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Home My WebLink About869215OA /-/2/ j This Mortgage SE EODK-` ®F MOATiAWES Return To: LOAN 6342253876 FL9 700 -01 -01 JACKSONVILLE POST CLOSING BANK OF AMERICA 9000 SOUTHSIDE BLVD. BLDG 700, FILE RECEIPT DEPT. JACKSONVILLE, FL 32256 Prepared By: PAULA GATES BANK OF AMERICA, N.A. 10850 WHITE ROCK RD, 2ND FLOOR RANCHO CORDOVA, CA 95670 DEFINITIONS C4 6(WY) (9904).01 Paeap, of 15 869215 [Space Above This Line For Recording Data] MORTGAGE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is BANK OF AMERICA N A WYOMING Single Family FANNIE MAE /FREDDIE MAC UNIFORM INSTRUMENT Initials: /r4.6% VMP MORTGAGE FORMS (800)521 -7291 CVWY 10/19/00 3:39 PM 6342253876 CEIVED Cat R� rn'..'s 1 C U _Ire 00 OCT j E./i $I I KC..iVi„I GNMING BOOK PR PAGE J J U LOAN 6342253876 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated OCTOBER 19, 2000 together with all Riders to this document. (B) "Borrower" is ROBERT M. COUSINS AND PATRICIA L. COUSINS, HUSBAND AND WIFE Lender is a NATIONAL BANKING ASSOCIATION organized and existing under the laws of THE UNITED STATES OF AMERICA 11 Form 3051 3/99 lull 1 3 m (4 11 II 66/S LSOE WJOd sie iiiu� 'YdSa2I sapun „ueoj aSESlsouz palEjas Allesapal„ E sE Alijgnb lou saop ueo-I aql Ji uana „Ilan aSESlsouz pglelaJ Ajjgsapal„ E of psESas ui pasodurt WE rip suotloulsas pue sluatuastnbas jIE of „ydsIL„ 'luatunJlsul Alunoas stgl ut pasn sy Jalletu loafgns atues OLD. 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Io pang aql angq 2E42) ssapso pue salmi anilgslstuitupe pus saoueutpso `SUOIleInSas `salmlels pgooj pue alels `IESapal ajgEogdde SuiljoJluoo jjE sueatu „meg apgeotpddy„ (H) p,iltoadsl (s)Jaglp J 1fjitued b -I Japm auJOH puoogs [5S X 5l to Z e6ed Japl21 luatu.fed iip3jaaMig Japig luatudojanaa 2Tafl pauuSld Jam uzntunuopuoj 9L8ESZZtE9 Old 6E:E 00/61 /01 AMA3 t o•tvoe6) (AM)9 9 112) IXI JaPRI VA s0pr21 uoolpeg Japjg a1E21 algslsnfpy :pajgeorldde se xoq 1oa10l JaMOJJO[ palnoaxa aq of WE slam SuIMOjjol aqZ •J0M0JJ0 palnoaxa ale lap luatunslsul Alunoas stgl of ssapt21 He sueatu „ssapig„ (0) •lsasalut snjd luauznslsul Japun anp stuns Hu puE `aloN aql Japun anp saSJEgo alej pug saSJEgo luatuAudoJd Nius 'lsasalu! snjd `aloN aql dq paouap!na Nap alp. sueatu „ueo'1„ (,3) „•Asadosd alp ut szpSt21 to saJsuEJ1,,, Suipeaq aql Japun Mopaq paquosap st lug; Slsad0Jd aql sueatu „Alsadosd„ (g) OEOZ '1.0 6881112A0N uegl JalEJ lou jinl ut lgap gip iced Ol puE sluaulIIEd otpotsad SejnSas ui lgap sjgl pied of pasituosd 5E4 JOMOJJOj •lsasalut snjd 00 000' 89 'S'fl) sJEIIoU 001/00 ONV ONVMOHl 1HJ 18 AlX I S Japuarl EOM° JaMOJJOg legl salels aloN a T1, 0002 '6L 2j880100 palep pug JQMOJJOH iiq pausts alou AJOSSttuosd aql sueatu „aloN„ •luatunslsul ifltsnoas stgl sapun aaSals0UJ aql st Japuarl OL996 VO vA0ab00 OHONVd '2:1001d 0NZ 021 )10021 Dl I HM 09801. sI ssasppe s,Japua-1 ,iriGirjr0 Ust ;921b3 55 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (1) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 15, STAR VALLEY RANCH PLAT 6, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. Parcel ID Number: 35183040611800 which currently has the address of 52 CEDAR DR I VE [Street] THAYNE [City] Wyoming 83127 [Zip Code] "Property Address"): p TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and nonuniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. 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 Initials: 4 6(WY) (9904).01 CVWY 10/19/00 3:39 PM 6342253876 Page 3 of 15 Form 3051 3/99 66/E LSOE u1JO1 L )o q e6*d 9LBESZ?tE9 Wd 6E:E 00/61/01 AMAO o' @o66) ()Mj9 -1 12 •tualj moJOSg us aq jlegs sluauussassg pug saaj `sanp lions pug `aamoaaog pamoJOsa aq 'Aug jj `sluatussassy pug saad `sang uotletoossy iiltunuutuo3 leg! aa►nbat Ague Jopuarj `ugorj aql jo tuaap gip 2ujanp gulp Aug le JO UOileuPuo ly ;swan moaosg„ paljuo aau SWOT! asaJJ •pj uotlOaS jo suotstnoad app gpjm aougpa000g ut sumtutaad aoueansuj agg2laojA! jo Twill/cud ago. jo nog ut Op aamoaaog ajggSgd scans Aug JO 'Aug jt `sulntuwaid aouginsuj o2gglaojnj (p) pug .`s uopoo aapun .tapua iiq paatnbaa aougansuj jig pug Aug aoj stunttuaad (o) :Aug jj `Alaadoad aql uo quo.' punoa2 JO sluauuAgd pjogasgaj (q) :Alaadoad alp uo aougaquunoua JO uatj g sg luatunalsuj Altanoas spgl aano Jiljaoiad Utglle uuo gotgm suualt JoLpo pug sluatussasse pug saxel (g) :aoj onp slunotuu jo luatuiigd aoj apinoad of „spunj„ agp) urns e 'urn ut pjgd s! aloN aLil !pun 'oloN agp aapun onp gag sluatuJfgd O!pouad AB!) otp uo aapuaf of Agd jjggs aamoaaog 'SWOT' moJosa aoj spunj •sluauu'fgd otpouad agl jo `punotue agl auggo JO `apgp onp alp auodlsod JO pualxa lou !togs NON app aapun onp jgdjouud of spaaooad snoauejjaosg j JO `spaaooad aoueansut `sluauc, vd jo uotpgotjdde Auy •aloN aql ut pagtaosap sp uegp pug so2Jggo luauuAgdaad Aug of lsajj patjddg aq jjggs sluauiAgdaad Saglunlon *onp so5Jggo ale! Aug of patjddg aq Autu ssaoxa lions 'sluatu&gd ojpouad aaoui JO auo jo luatuked jjnj alp of patjddg st luatuSgd app aaljg slstxa ssaoxa Aug 1gLil luapxa otp of jjnj ut pied aq UEO luatuAud Lino `lggl lualxa agi. of pug `j! sluauwiigd otpouad app jo luauzAudaa of p of aamoaaog won pantaoaa luaw sd fug Alddg /NUJ aapuaT Tutpuglslno sj luatuAgd o!pojaad auo uegl aaotu jj •a2aego alp! agl pug luatuded luanbujjap agl of patjddg aq /fuuu luoulAgd app `onp agaegO op! Niue fed of lunotug luatOtjjns g sapnloui gOiLim luauuAed Ojpotaad luanbutjap e JOJ aamoaaog won luatuAed e SOAI OOJ aapua •aloN all jo aougjgq jedtouud alp aonpaa of ua p pug `luauunapsuj Alunoos stgp aapun onp slunotug aaglo Aug of puooas `sagaego algj of lsanj pajjddg aq jjggs slunouue 2utu!Etuaa Suy *onp atugoaq li 4OTLim ut aapao alp ui luauuAgd Otpotaad pug of patjddg aq !legs sluauuAgd tiOnS uotlOaS aapun onp slunotue (0) :aloN gip aapun onp jedtouud (q) :aloN atjl aapun onp lsaaalu! (g) :Aluoud jo aapao gutmojjoj alp u! pajjddg aq Eggs aapua' iiq pajjddg pug paldaoog sluauiifed `z uotloos sugl ut pagtaosap astmaagpo sg ldaoxg •spaaooad ao sluatatied jo uotleoljddy z •luauimpsuj Alunoos sigp Aq paanoas sluatuaaa2g pug sluguanoo alp 2uttuaojaad so luatunapsuj Altanoos sigl pug al.oN aql aapun onp sluatuAgd 2uplgtu uuoaj aamoaaog anatjaa pugs aapuo'J lsutag aanlnj aLil ut ao mou angq 1112t111 aamoaaog gotgm uujgjo JO lasjjo oN •aansojoaaoj of aolJd Ajaletpatutut aloN alp aapun aougjeq jedtouud 2utpuglslno app op pajjddg aq !!pm spunj pons `aa►taea patjddg lou jj aamoaaog of wog; uanlaa ao spunj pans Sjddg ammo !lugs aapua' 'gun jo pouad ajgguosgaa e utgljm os op lou soop aamoaaog jj •luaaano ugo'J agl 2uuq of luatuSud aamoaaog !pun spunj poliddgun Lions !Nog Agtu aapuo'j *spunj pajjddeun uo lsoJoluj Agd lou poou aapuo'j uagp 'olgp anp pajnpagos slt jo sg patjddg s o!pojaad toga jj •paldaoog age sluauuAgd pons gulp all lg spuauuSgd pons &jddg ol• pale2tjgo lou s! aapuarj lnq `aanpnj atll ut sluoulAgd luilaud ao luauuAed pons asnjaa of slg5u sli of aojpnfaad JO aapunaaaq slg2u Aug jo JOAIRM 2flO42TM 'luaaano ugorj app Suuq of puo!ojjjnsut luauzAed jglland JO luauzded Aue ldaooe Meru Jopua-j •luaaano ugo' aql Suuq of luatojjjnsuj age sluauuded lejlaed JO luauuAgd agl jt luatuAgd jgtlagd JO luauuAgd Aug uanlaa Agtu aapuarj •S! uopoag ut suois!noad aotlou 042 111Tm aougpa000g ut aapuarj Act paggaosap aq Aguu se uo! 0T aapao Ions lg ao aloN alp u! palgAsap uotlgOOJ 0g1 pg pantaoaa uagm JopuaZ iiq pantaoaa powoop aag sluauuJigd •aajsugJZ spunj ojuoalOalg (p) JO :Ji3.t2u0 JO `Altjeluauunalsu! 'Aouogg jgaapaj g iq paansut aag slisodap aso4m uojpnitpsut ug uodn umeap s! loogo Lions ,iue papjnoad 5100110 matgsgo ao l00LiO s,aaansgaal `110040 Augq 'vow patjila00 (o) :aapao dauotu (q) :gsgO (g) :Jopuo'l paloajas se `stuaoj ffutmolloj ayl jo aaotu JO auo ut apguz aq luauznapsuj Al.!Jnoos sttpl pug aloN aql aapun onp sluauu,ied luanbasgns Hu JO Aug le4l aatnbaa jfeuu aapua'j `ptedun Jopuarj of pump.' Si puauunalsuj iilianOos sigl ao aloN alp aapun luauu1igd se aapuarj sq pantaoaa luauznalsut aa1110 ao )JOa4O Aug jj 'Jong/knoll louoaanO •S•rj ut apuuz aq pegs luauunalsuj Alla mos s!41 pug aloN 0111 aapun anp sluauu/fed uotloaS of lugnsand swan moaosg aoj spunj tt- 554 Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in Initials: /"AL 414 (9904).01 CVWY 10/19/00 3:39 PM 6342253876 Page 5 of 15 Form 3051 3/99 66/E 690E WJOd 5l !o g shed 90C5NVE9 Ad 6E :E 00/6L/OL AMA3 oYOO6O) (AM)9 giro :Slelilul pug sigdas lions 2uuna 'pauassai you ST Awnoas s,sapua-j pue aigtseaj Augottuouooa st studas JO uopesolsas all. ji `Suadosd jo siedas so uogesolsas pajdde aq Hap `sapua' iiq pasinbas SEM aougsnsut 2uiiflsapun all. lou so samagm `spaaoosd aougsnsut Aug `$up.ISM ut aasgE aSTMSag2O JOAA.0.1JOH pug sapua(j ssaiun 'samo.uog Aq A dutosd apgui lou ji ssoi jo joosd mu' Meat sapua-j •sapuarj pug sausRO aougsnsut aoRou 2dUTOSd OAIff fEiS saMOSSOg `ssoi jo 1U0na a112 UI •agiced ssoi iguomppe uE sE soipug aagEg1s0111 sE sapuaq autgu Timis pug asnWio a2E2lsout psgpuns E apnioui Hap £oiiod Lions 'Avadosd 'jo uoi.on4sap so `o2 agump soj 'sapua-j Sq pasinbas asTMSamo you `a2osanoo aougsnsut jo uuoj Aug suTElgo saMOSSOg jI •SaoRou ieMauas pug stuntutasd pied jo sldtaoas TI sapua-1 o} ants £la.dtuosd imp samossog sastnbas sapuarj 31 •salgotjipao JEMauas pug saiotiod aLi� Nog 2441 aq1 anEq HEgs sapua •aaAgd ssoi Iguop.Ippg uE SE soipue aaEga.soUJ SE sapua'j autuU hells pug 'asngio aaalsoui psepug2s E apnTOU! Mugs `sa!Otjod goes anosddESip o2 1.Li2u mapuarj 01 loafgns aq Bugs saiotiod gons jo SIEM0U0J pug sapua' Aq pasinbas saio!iod aougsnsut luautAud ffuRsanbas samossog o� sapua-I Utosj aoRou uodn `2sasalui Lions 4IIM `aigsiied aq hells pug Tuauiassngsip jo algp amp tuosj alga aloN age. Tv ISOJOIut JEaq Hugs sWunotue asagj •2uatunslsul Alunoas Aq pasnoas JOMOSSOH jo 2qap iguomppE autooaq Hggs S uogoas S1Li2 sapun sapua-j passngsip s2unouig Auy •paumgo anEq pinoo samossog aougsnsut jo }soo paaoxa ApuEo1jivats lggttu pauie2go os agsanoo aougsnsut am jo 2soo age Tegm sapaimou}iou saMOSSOg l0ajja UT Aisnoinasd sRM u942 aosano0 sasSai .10 sa}oaa aptnosd 1.142tuu pug 'ii.tiiggii so piEzsq Aug 1SUTE2E `ii2s0dosd a Li� JO sTuaa.uoo oq so `Asadosd 042 ui Ainba s `saMOSSOg 14 UJ so 2g3iuu lnq `sapua-i JOAOO Hugs a2ESanoo Lions `asojasagi •a2gsano0 jo lunotuE JO adAi. Jeinot2sed Aug asggosnd o� uoRugtigo ou sapun st sapual •asuadxa s,samossog pug uoRdo s,sapua'j `agESanoo aougsnsut uWE24O Sew sapua' `anogg paquosap saESano0 jo /CUE UTE2UTUUi 02 SIIEJ J0MOSSOg jj •samossog iq uoiloafgo uo UTOSj 2UT2JQsas uoTlgututsalap auoz pooij Aug jo MOTn01 042 41.1M UOT200UUO0 uT iioua y 1uatuagugN if0Ua$sautg TESapad am. Aq pasodutt saaj Suo jo 2uatuSed am soj aigisuodsas aq osiE Hells J0MOSSOg 'UOT2EOij12s00 JO uop.euTUUa2ap gong paw 24 UT Aigouosoas gOt4M sn000 sa8uego sgituTis .10 auTddEUZas auti} IOW SagiEgo luanbasgns pug saOTnsas uop.EOiji2sao pug uoIlguIuJa2ap auoz pooij JOj 05.1g113 OUJ!2_0U0 g (q) so :Sa0Tnsas SuDioESa. pug uoT2ootjilsao `uoguuiuua2ap auoz pooij soj a2sego autt._auo o (e) %Tamp `ueo-j Stg2 mInn uogoauuoo uT 'SKI o2 JOMOJJOH astnbas Aetu sapun' ANguosgasun pas!OSaxa aq 2OU Hogs 2g2u 40!4M `a0to40 S lOMOSSOg anosddusTp o2 242u s,sapua-j 01. loafgns samossog ACT uasogo aq Hugs aougsnsut age 2uipinosd satssoo a0UESnsuT a41 •uuorl ag2 jo uua2 age 2uunp 0U40 ugo Saoua2uas 2utpa0asd am 02 2ugnssnd sastnbas sapua-j lELirn •sastnbas sapuarj 2ELi2 spotsad soj pug (sianai aigilonpap 2utpniout) s2unotug age ui pauwwi.uiEUw aq Hgq aougsnsut S1LiJ •aougsnsut sastnbas sapua-j gotl soj `spooij pug salEnbg2sga `02 pa2tutti 1.ou lnq `2uipni0Ui spsgzg4 Jam() Aug pug „`aggsanoo papuaaxa„ =al am utgmM papniout spsuzeq `astj Act ssoi 2suig2g pasnsut if2sadosd am uo pa20asa saljoasaq JO 2uT.sixa Mou S2uautanosduTT 042 daal Hugs saMOSSOg a0uesnsuI Alsadosd 'S •uuo'j st42 42!M uoTloauuoo uT sapua'j pasn aotnsas 2ui2sodas soipue uoi2gotjuan n2 a2E2Sa Teas E soj 02s9110 atuR_OUO E 1i1d o} J0MOSSOg asinbas /fete sapuag '17 uoi2oas sig2 Ui anogE g2soj las SuoT2ag 0Li1 JO OJOUJ JO QUO 0)JE2 so uati ag1 djst2ES Hugs samossog 'uant2 st a0T2ou lap g0!4M uo glut) 04 jo sip pi ut42irn •uaTi ag2 2upijt2uapi aogou u sam03s0g 04 AR tu sapua'I `luautnslsui ApnOas siga. nano ii2uoud uig22u Uoo 4OTLiM uaTi E o2 l.oafgns si AJadosd am jo Tied Aug Imp sauriuJa2ap sapua-j ji luatuns2sui ii2un0as St42 o2 uaTi a42 2ui2EUtpsogns sapua-j 01. holoEjST2ES 2uautaaaE UE uatl 04 jo sapiog utosj Sasnoas (o) so :papni0uoo aJE s3utpaaoosd gons !gun Siuo lnq Tutpuad a.E s2uipaaoosd asom aHLiM uaTi ag1. jo 2uauiaOsojua 04 2uanasd a}ESado uoiutdo s,sapuarj ui got4M s2uipaaoosd Tag' `u1 uail 042 jo 2Uatuaosojua 2SU1 0 spuajap so 'Act 421Ej pool ut uaTi am 91902000 (q) :2uautaaJgg gons 2uttusojsad aT saMOSSOg se 5uol os ,fiuo lnq `sapua-j O2 aigE1dao0E 3auugut E czF 'fir' 0 O AC .5 5 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 the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. 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. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or 44-6(WY) (9904).01 CVWY 10/19/00 3:39 PM 6342253876 Page 7 of 15 Initials: Form 3051 3/99 66/E LSOE WJOJ S: 117!;1111 5l 40 8 es0d 9L8£5ZZtE9 Wd 6£ :E 00 /6l /OL AMA3 L o' @oe6) (Am)g- VD soj sutntwasd agp psemol s ;uacuAgd papguStsap Ajalesedas aleuz of pastnbas sEM samossog put: ugo' ai p 2upjuw jo uotltpuoo g se aouesnsuj auglsoj pastnbas sapua' jj •aouesnsuj a2g2;soyAj soj sutnttuasd agp psgmo; s ;uatu ed pajeu2tsap kjalesedas sestnbas sapua' pug `pautejgo st `ajgejtune sawooaq utg2u sapua -j Aq poloajas sasnsut Ug paptnosd (sOStnbas sapua' pe14; potsad agp soj pug lunouie 0142 ut) a2es0n0O aouesnsuj o2g2lsojt jt spuoulAud ansasas ssoj astnbas sa2uoj ou ugo sapua' •ansasas ssoj gons uo atrium so lsasalut Ain samossog pied o; pastnbas oq lou pugs sapua' pug 'jjnj ut pied Ajalew pjn st ueo-j oqp let p lOej atp 2u1pugpsgptMpou `ajggpunjas_uou oq pugs ansasas ssoj gons •aouesnsuj a2e21sojnj jo natj ut ansasas ssoj ajgepunjas_uou se spuawAsd asOgp utelas pug asn `2daooe JpM sapua' •poajja ut oq op poseao ag9JOAOO aouesnsut gip uogm anp asaM pe142 sluautifed palgatsap Ajalesedas 0141 jo punoutg agp sapua' op Aud op anutluoo pegs saMOSSOg `ajgejtgng ;oU st ausanoO aouesnsuj o2g2;soyAj ;uajgntnba Ajjetluelsgns jj •sapua' paloajas sasnsut o2g2 1s01Il Oleusalje ue uiosj '2Oajja ut Jijsnotnasd aouesnsuj O2e21soj, agp jo samossog o; lsoo 0142 of ;uajgntnba Ajjetluelsgns Ism g jg `poajja Ut iijsnotnasd aouesnsuj O2821sow otp of ;uajeninba Ajjepue ;sgns aeJOAOO utelgo of pastnbas stuntuiasd 0142 Agd TM's samossog `aouesnsuj a2g2lsoN soj sutntutasd agp psemol slugcu/igd pajgu2tsop Ajalesgdas Ovtu o; pastnbas sum samossog pug aouesnsut gons paptnosd SjsnotnOSd pe14; sasnsut o2g21sou1 0142 utosj ajggjtene oq op sasgao sapua' Aq pastnbas aagsanOO aouesnsuj a2e21.soN agp `uoseas Aug soj `jj •loajj0 ut aouesnsuj a2e2lsoy\j ag2 ute ;utgut o1 pastnbas stunttuoid alp Agd pegs saMOSSOg `ueo' agp 2utlgut jo uot2tpuoo g se aouesnsuj ag2lsojAj pastnbas sapua' ji aougsnsui 32021Jo •0j •2ut;um ut Jo5Jaut agp of saaJ2e sapua' ssaJUn a5s01u 2ou pegs aim aaj agp pue pjogaseaj agp `iipsadosd agp of ajpt; aaj sastnbog saMOSSOa jj •aseaj agp jo suotstnosd alp jjg gptm Ajdutoo pegs samossog `pjogaseaj a uo Si luauinspsuj £unoas stg2 jj •puautded 2utpsanbas saMOSSOg of sapua' utosj aopou uodn `lsasa ;ut ions gptm `ajgeifed oq pugs pug lu0utassngstp jo alup agp utosj apes aloN 0142 le lsasalut nog jjegs wino= asagl, •pu0utnslsuj £tsnoos pasnoas saMOSSOH jo jgop jeuot2tppg awooaq pegs 6 uotloas sTep sapun sapua' passngstp s;anoutg Suy °6 uot2Oas step sapun pazuo142ne suotpOe jje so Niue 2uDjel 1.0U soj iiltjtgetj ou snout sapua' legl poi st lj •os op 0; not ;atjgo so A;np Aug sapun ;ou st pug os op of anug ;ou sop sapua' `6 uotlOOs step sapun Uot2oe a3je; Am' sapua' 1121 •jjo so uo pausn2 sOtjtjtln ane14 pug `suotjtpuoo snosauep so suotlejotn apoo Ja1410 .10 &utppnq g ;gutuitja `sadtd wosj sO2gM utesp `sMopu!M pue sloop do p.m oq so Oogjdas auggo 'sstudgj Olgut op £sadosd a141 2uuawo `ol pa;tuttj jou st ;nq `sapnjout ;sadosd agp 2uunoas tutpaaoosd Aopdnsiueq g ut uot;tsod pasnoas sjt 5utpnjout `puatuns;suj £tsnOOs stg; sapun s1112u so/pug dlsadosd aqp ut ;sasalut spt poa ;old o; saaj �s�fauso ;e ajgguosgoS 2ut,igd (o) pug :;snoo ut 2uueadde (q) :2UOtunslsuj ti ;unoas step sano Ajuotsd Seg 14O114M uatj g Aq pasnOOS stuns Aug 2utAgd (E) :o; pa;tuttj you ale ;nq `apnjout ego SuotpOg s,sapua' •A;sadosd agp 2uutedas so /pug 5utsnOOS pug `,ilsadosd alp jo anjgn 0141 2utssasse so /pug Sut ;oolosd 2utpnjout `2uautns2suj AptsnOOs stg2 sapun slgffts pug £sadosd agp ut ;sasajut s,sopua' ;oa;osd o; o ;eudosdde so ajgguosgoJ st sana ;u4M soj ,fed pug op ,igui sapua' uaq; `ii ;sadosd 0142 pouopuegg sgg samossog (o) .10 '(suot ;ejngas so sMUJ OOSOjua 0; so puatun4suj Altsnoas Stgj sOnO £uotsd Utu ;e ARID gotgm u01j g jo puatuaosojua soj `asn ;TOjsoj so uop.euutapuoO soj `Olugosd 'Ao ;dnslugq ut 2utpaaoosd a se gons) luautns2suj Alp step sapun 82142ts so/pug A ;sadosd alp tit ;sasa ;ut mapuo' ;oajje Apjueotjtats 142ttu ;eg; 2utpoo old jaaj a st asaq; (q) ;uauins;suj £tsnoos st 142 ut paurepuoO sluguanoo 0142 Wsojsad o; sjtgj saMOSSOg (g) jj •luownslsuj Slunoas stgl sapun slq$t' j pug £sadosd aqj ut lsasajuj s jo uotjoalosd •6 •0ouaptsas jgdtoutsd S,J0MOSSOH Se ,ipsadosd agp jo Aougdn000 s,J0MOSSOg utusaouoo suot ;e ;uoSOSdos o; pa ;tuttj ;ou ale ;nq `apnjout suotpg;uasasdas jgtsa ;eJA •ueo' 014; t ptM not ;OODUOo ut (uot ;euusojut jeua ;gut g2TM sapua' aptnosd o; pajtej so) sapua' of s2U0utaje2s JO uot;euuojut a2esnoOeut so Tutpgajstut 'asjej Jijjetsa ;gut and' ;uasuoo JO apaJMOU3j S gptM 558 Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Initials:: -B(WY) (9904)0 1 Page 9 of 15 Form 3051 3/99 CVWY 10/19/00 3:39 PM 6342253876 66/E LSO ••Od GSS 56 !o Ol e6sd 9L8ESEEVE9 Wd 6E :E 00 /6l /Ol AMAO L o•LVOeet (AM)9 -111Z) samossog o1 luawAed loastp Aq apeui punjas Eons Aug jo aoueldaoog s,samoasog •(ajoN 0111 sapun soj paptnosd si a2iEgo luauAgdasd e 1ou so saglagM) a2.Ego 1uauadasd Aug lnogptm 1uawAedasd jetpsgd a SR palEasl aq !pm uotlonpas alp `jedtouud saonpas punjas e jj •saMOSSOg 01 1u0wad lOast■ g 2ut3jeui Aq so PION PM sapun paMO jgdtouud agp dutonpas Aq punjas stgp alew op asoogo eigu sapuarj •JQMOSSOg Ol papunjas aq jjtm Sjtuij papjiwsad papaaoxa goigM samossog wosj paloajjoo ApeasjE stuns Aug (q) pug :iitutj pouiwsad ag1 oT agp aonpas op Asessaoau Iunowg alp Aq poops aq pugs a2setjo ueoj lions Aug (e) :uolp `sliwij palliwsad alp paaoxa ugo-I aql gptM uoiloauuoo ui paloajjoo aq 02 so paloajjoo sa3sego ugoj sagpo so lsasapui 0111 TegT os palasdsajui djjeuij st mgj letjj pug tamp ugoj wnutxew slas gotgm mgj g o1 poafgns si ugo-j ag1 jI ME j ajggotjddy kg so luawnspsuj Alunoas stgl £q paligtgosd Ajssasdxa WE 1E11 Saaj asego lou Ault! sapuarj •aaj Bons jo 5Uiasego aq1 uo uoipigtgosd E sE panspsuoo aq you jjEgs samossog Oj aaj Otjtoods g aSJEgo 01 juaunslsuj Apunoos sig1 ww Aluoglne ssasdxa jO 00uasgg alp 'SPPj Jaglo SUE Op pJE2as ui •saaj uoijgnjgn pug uoijoadsut Aisadosd `saaj ,sSausollg '02 paltwij lou 1nq `2uipnjout 'luawnslsuj Altsnoas sitjl sapun s1gffu pug ,i2sadosd aq1 ui psasalui s,sapua-j Sutloalosd jo asodsnd alT soj `Ijnejap s,sam0330a tptm uot1.00uuoo ui pawsojsad SOOTAJ S soj saaj samossog AsgiO SEW sapUJ •Sa2set0 ugo1 17 i •sapua-j jo suss pug ssossaoons alp. Ttjauaq pug (pt uotloas ut paptnosd se Idaoxa) puiq pugs puawnspsuj iilunoas stgl jo sluawaaag pug sluguanoo at 1uilum ut asgajas tons of saasge sapuarj ssajun 1uawnslsuj /CTpnoas sigl sapun ,ilijTge!! pug suotjatjgo s,saMOSSOJ wosj pasgajas aq lou pals samossog •luawnsjsuj Alunoas stgp sapun sptjauaq pug slgMu SsaMOSSOg jo jjR uJEjgo pals 'sapua-j Aq panosddE si pug Tutpum ut luawnspsuj Alt' °Ps stgl sapun suoipatjgo s,JOMOSSOg satunssg O1M samossog jo lsasajuj ut sossaoons Aug 'gj uotpoas jo suotstnosd atjl Op poafgns •puasuoO s,sau2is_oo agp pnoglim a2oN aq1 s0 Tuaunslsuj Apunoas st111 jo swsal alp 01 pJaas g2!M SUOIIgpOUWO00E Aug al SO JEPgsoj `Ajtpow `pualxa OI aas2E UE0 samossog satjo Aug pug sapua-j lug; saas2g (o) pug :Iuawnslsuj Alp sigl iiq pasnoas suns am fed 01 pa1g2ijgo Ajjguossad lou st (q) `Iuaunsjsuj Alun0as stlj jo suWSa1 aq1 sapun £psadosd aq1 ut 1sasa1ut s,sauSis_oO aq1 Xanuo0 pug pueJ2 `OSES1sotu OT tijuo Tuaunslsuj tipunoas Sig1 2U!U ?iS_OO Si (g) „Jouffis_oo„ g) PION alp alnoaxa lou sop lnq luaunslsuj Alp St4T sais_oO olm samossog Aug `SaA0m011 •JEJOAPS pug 1UiOf Pq jjE11S [ilijigEij pus SUOi1aijg0 S,saMOSSOH 1E11 SOOSge pug S1UguaA0O samossog •punog su2tssy pus ssossaoons :ssauZts -op :Slijigst'j pianos pus lupar °£i •Apauas 10 RBIs Aug jo astosaxa agl apnj0asd sO JO J ATEM E aq 1011 jjggs 'anp uagl lunowg alp uggl ssaj slunouiE ui so samossog JO Isasapuj ui ssossaoons so satjilua `suossad pstll wosj sluaw1fed jo aoueldaooE s,sapuaq `uo!lEljuij Inogltm `211tpnJOUi /fpawas 10 Tuts SUE 5uisiosaxa Ut sapual Aq aougsgagsoj Iiuy •samossog JO lsasaluj ui ssossaoons Aug so samossog jeutg[so agj Aq ap1UJ puEwap Aug jo UOSEas Tuawnslsuj iipisnOas sttl ,iq pampas suns ag1 jo uoi1gzijsoug ,ijtpow astmsaglo so luau11Ed soj 0wtl puajxa Ol asnjas 02 JO samossog JO lsasajuj ut sossaoons Aug jsutag auipaa0osd 00119WWOO 0p pasinbas aq lou Timis sapua-j •samossog jo lsasaluj ut ssossaoons Aug so samossog jo Almq -e!! agl OSEajas 01 o2ES9do 1011 11gts samossog JO Isasapuj ut sossaoons Aug JO s0141.03s014 o1 sapual Aq pP1ues2 luauinslsuj iipufOas stgl Aq pasnoas suns alp. jo Uoi1EZT1JouIE jo uoiTeoijtpow so luau1fed soj atop aq1 jo uotsualxg •sanis� s TON sapuai Mfg aoueseagsog :paseajag TON samossog 'Zj t uotlOas ut soj paptnosd sapJO all ui paijddg aq jjEgs iilsadosd aqp jo stgdas sD UOi2ES01SQJ Oj patjddg 1ou asg Imp spaa0OSd snoaugpoosm •sapua-j o1 ptgd aq jjEgs pug pau2tss1 Agasaq asg Alsadosd aq1 ui_ lsasalui s,sapuarj jo luatusigdtut at1 01 ajgeingtsllg asg lggl saggwgp soj urep sO pJBME Aug jo spaaoosd aqJ •luawnspsuj iiltsnOas stgl sapun sl45ts sO IilsadOSd 0111 ut Isasalut s,sapuarj jo Tuaustedut jeJPTgw sa so Apsadosd aql jo asnjiajsoj sapnjoasd `luawffpnf s,sapua-j ui `pEgj gutjns E tp!M passtwsip aq 01 2uipaaoosd SO uoi2Og uisngo Aq `61 uoijoas U ►Ua Ali 5 6 0 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 Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 4 6(WY) (9904).01 CVWY 10/19/00 3:39 PM 6342253876 Page 11 of 15 Initials: Form 3051 3/99 66/E 650E WJOd 19 s1e1l!UI 9l to Zl e8ed 9L8ESZZbE9 Wd 6E 00/61./01. AMA3 loxvoce) (AM)9 -1ZZ) utna'oslad otxo3 .10 aiggtutlse'J sow) `auasosax `auiposeg :saouelsgns 2utmoi'oj agl pug Me' 'eluatuuoaTAUg Aq SalseM s0 `sueln"od `saouelsgns snopsezeti so mtxol se paugop saouelsgns asogl ass „saouETsgns SnopsezEH„ (g) :It uopoos sRgT u! posn sy •saouelsgnS snopJezeH •IZ °0Z uOTTmas Situ JO SIO!STAOSd 110110E antlmassoo Q1E1 oT ATlunpoddo pug aoipou aria. App. oT pautaap aq Hags gt uo1Tmas oT lugnssnd JQMOSSOH Ol uanT2 UOTTgsa'ammg JO amtlou alp pug tz uo!Toas oT lugnssnd samossog OT uan1S asno oT AltunTsoddo pug uotpgsapaoog jo wpm aqj •gdes2esed stgT jo sasodsnd soj aigguosgas oq oT pousoop oq "TM pouad atutl oq ugo uotTog utelsao asojoq asdgpa 1snui goTgM poTsad atutl g sapTAosd Mg' aigEoJiddy 3i •uotloe anpoossoO of oT aoTTou lions jo 2UTAl2 atp. soup poTsad aigeuoseas e olasaq Alsgd saglo alp. papso33e pug tioeasq papa "e tons jo (st uotpoas Jo sluatuastnbas agT gTTM Qouelpdtuoo uT uant2 aotlou Lions TIM) ATsed sow aql palJl2ou sEq sapun' JO samossog Lions 'Thin `luatunslsui Alunmas sl4T 'Jo UOSeas Ag paMO Alnp Aug .10 'Jo uotstnosd Aug pagoeasq seg iiTsed saglo otp TEgT saai'e Tegl so motunslsui AT!moos slgl oT Tugnssnd SuogoE s,Alsed sow agT tuosJ saspe TggT (SSEpm g jo saqutatu aqT so luatlt' ienp!A!pul ue sagTla se) u0poe ig!otpnf Aug Oa paulof oq so `u!of 'aouauttuoo ,cells sapun' sou saMossog sag1TQN •sasegosnd al°N ail Aq papTnosd asImsotpo ssa'un sasggosnd aloN aql Aq pawnssE lou asp pug soolAsas ugo' sossaoons g Ol passajsugJT act s() sao!nsas ugo' aqT ql!m u!gutas IMTM samossog oT suotlatTgo 2u!otASas ugo' affalsotu aql `aloN gip jo sasegosnd agl ue saga.° saoTASas ugo -1 g Aq pao!Asas sT ugo' aql salJeasagl pug pros s! aloN ago. Jj •2111OTASQS JO saJSUe.T JO amtl0u g qp!m uopoauuoo uT sastnbas ydsg2i uotpetusoJuT saglo Aug pug avow aq p'nogs sluatuad goTtiM ()T ssasppe aqT saoTASas ugo' Mau aqT Jo ssasppe pug atugu aqa aTels !pm goT4M a2uego aqT Jo aotlou uaTltsM uon!S aq'p!M saMossog `saoTASas UE0' aqT Jo o2uggo g s! asatp. Ji •aloN ago. Jo ales e ()T palgiasun saoTASas ugo' ago. Jo sauEgo asotu so QUO aq 1.112Ttu 0S'g asag i, ME'T aigeoiddy pug `Tuatunslsui ATTSnmas s!ga. `aloN otp sapun suona!'go 2uToTnsas ugo' agg51s0111 satp.o stusoJsad pug luatunslsui Alunoas sNl pug omN all sapun anp uluatuAed °!poTsad sloopp legl saoTASas ueo'„ alp sg UMOU)') Alllua aql uT auego B ut T'nsas lg2ttu a'es samossog of 0oi1.011 JOTsd inogilM SatuT; asout so Quo epos aq ugo (luatunslsui ATtsnmas sigT 4TTM saglaol) aa.°N aqT U! Tsasalu! 'eTpsed e JO al°N aq •031.1enats9 JO 0390N :saoTASas ugo' JO a3uegJ :aloN Jo aieS 'OT •gt uoJTmas sapun uopesapaoot. Jo aseo agl u! Aidde lou 'pegs aTEISUTQS oT 11.121J SJT4 `sanaM0H •p0ss11000 pgq uo!Tesa'aoOE ou 3! SR angoojja AJ'nJ uTgtuas gs Agasaq pasnoas suoTpaigo pug luautnslsui Alpnoas stgl `saMossog Ag luatuoi.nsulas uodn •sojsues,i, spund oTUesloaig (p) so Imo so ATTpeluatunsTsut `Aouae 'gsapaj g Aq pasnsu! asE sltsodap asoq& uotlnlTlsut uE uodn uMESp st loago gons Aug paptnosd `3'oago s,satgseo JO 1o01jo S,sasnseasl `)poago lueq `loago paTJTlsao (o) :saps() Aauotu (q) :gsgo (e) :sapua-i Aq paloa'as se 'suuoi 2uiMo" of atpl jo aJOUT so Quo uT sasuadxa pug stuns Tuatual.nsutas gons Aed saMossog Tem asTnbas Aetu sapun' •pauEgoun anuITuoo 'legs `Tuautnslsut Alunoas ST Aq pasnoas sums aqT Asd Ol uoTIaT'g0 S,JOMOJJOH pug `luauTnslSUi Alunmas s1tpT sapun slg2!S pus Alsadosd agl ut lsasalut s,sapuQ' Tegl asnsse OT astnbas A'gguoseas Ault.; sapun' SR uoTToe gons sop (p) pug :Tuatunslsui Altsnmas ST4T sapun s11141 pug Alsad0Sd atpl ut TSasalu1 s,sapuQ' 2utpoalosd Jo asodsnd otp. soJ possums! sooj sotpo pug 'sooj uo1Tenien pus uotpoadsut Alsadosd `SaaJ ,sAausollg aigguoseas `01 pol!tui T0s Tnq Tulpn'ou! `TuatunsTsui Al!snmas ST4I 2uTmsoJua u! passnmu! sasuadxa t'E sAed (o) :sluatuaasae so sluEUanom saglo Aug Jo Timm Aug sasnm (q) :passnOm0 pgq uo1Tesa'ammg ou 3! se aloN aql pug luatunslsui Al!moos stgl sapun anp oq p'nom uagT gmt4M sums He sapun' sAgd (e) :samossog Tg1T ase suoi1Tpuoo asou •luatunslsui ATTSnoas St1T $utmsoJua luatu2pnf e Jo Aslua (0) so :alelsutas 01 1.1.12ls S,JOMOSSOH JO U0T1.!Ultusal aql s0J AJtmads 1.1.12Ttu Mgrs aiggoliddy se pouad satpl0 gons (q) :Tuatunslsui Alunoas St4T uT paUTelsom a'gs Jo saMOd Aug 01. luenssnd ATsadosd a4T Jo apes asojoq scup OATJ (g) :Jo lsalisea aqT 01. supd otutl Aug TE panutluoostp luatunslsui Al snoas slgl Jo luatuaosOJua angq OT 142u agl 0Aeq 'legs saMossog `suoillpuoo uTglsao door samossog 3i •uoIlesoi000y Sa ljy alelsu!oN Ol 1.42R1 s,samossog •61 562 products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NONUNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: 4 -6(WY) (9904).0 1 CVWY 10/19/00 3:39 PM 6342253876 Page 13 of 15 Initials: Form 3051 3/99 66/E LSOE wsoj samossog- (I samossog- (Iu samossog- (IugS) samossog (IugS) SNI l tlI lH1Nd X SN I Sl03 1 11,13801:1 x 5t io bt !Ova semossog- (I samossog- (r semossog- samossog- (rugs) 9L8E2ZZtiE9 Id 6E :E 00/61./OL AMA3 t noose) (AM)9 tZ) :sassauntrn �I g�tM papsooas pug JOMOS30g pamoaxa aapt)j Aug ut pun luautn4suj Iilunoos stgl ut pautewoo sineuanoo pug swag; am ol sa0s2e pug sldaooe saMOSaog 'MO'laH °NINOIS Ag lutuioiirn jo smst not }dutaxa pealsauioq aq. jo annstA Aq pug sapun slg2ts lug santeM pue sonata' samossog •ssanter •Mw-j algeotlddy sapun poplutsad st aaj alp jo 2ut2sego age pug pasapuas saotnsas soj ATJUd Rap. pied st aaj aql jt Apo lnq `wuauinalsul Altsnoas stgl 2utseatat soj aaj e saMOSSOg 02se110 /CRIB aapua-j 'slsoo uotlepsooa t Aue iced Ilegs .taMO.uog luaumslsuj Alpnoos stgl asealas Bugs sapuarj `luautnslsuj Si.tsnoag Aq pasnoas sums He jo luaut1ied uodj1 •assaioN 'fZ •fit pajmua Allan' suossad JO uossad alp ssaoxa Pius (o) pus :}uaurns ;suj Si.pnoas spy Aq pasnoas stuns us (q) :son ,sSousons algsuossas `oa. polluz l ;ou ;nq `Sutpnlout `ales aq; jo sasuadxa llu ol. (s) U9S r c.1° O STATE OF WYOMING, WANDA N. NEWMAN NOTARY PUBLIC COUNTYOF STATE OF LINCOLN WYOMING My Commission Expires 1 -25 02 My Commission Expires: March 25, 2000 414-6(WY) 199041.01 CVWY 10/19/00 3:39 PM 6342253876 LINCOLN The foregoing instrument was acknowledged before me this 20th day of October, 2000 by Robert M. Cousins and Patrica L. Cousins Page 15 of 15 564 County ss: 1 Notary Public Initials: Form 3051 3/99 9L8ESME9 Wd 66:E 00/6t /01 dLoI4 SPSO-LZ£(008) ONI DINO LLDTIE b 3o I aged AI!uaed 816u1S H34IH Gild 31b1SI1lf1W Jo saio1lss (n) :uotlESSjoaJ (I) at(I asE „sluautnooU 1.u0111.i2SU0J„ aq1 •sivatunooQ luanitlsuo� s,Qnd atjl. sapun suojlOTjgo s,samossog jo JJE uuojsad jjsgs samossog suoileSijgO and 'y :smojjol SE aaas pus lusuanoo satjlsn3 sapun pus samossog `Iuatunslsul !moos alp ut apuw sluatuaaaE pus slusuanoo atjl of uomppE uI S,LNVNHAOD Qfld •Isasalut s,samossog jo spaaoosd pus sl!jauaq `sasn aql pus „uotletoossy ssaumO„ atjl) Qnd 042 JO satltjtoEJ puE SE= UOWUJOO aq2 2upUEtu so 2Utumo .p.ua luajsntnba so uotlstoossB ssaumoautoti am III IsasaluT s,samossog sapnjout osTE iilsadosd °II „Qfld„ i ftuauidoianaa ttun pauueld Jo auism HONVN A911VA HIV ±S SE umOU}j luautdojanap stun pauuEjd E 3o ISEd E st Alsadosd ata „uo1lESEjoaa„ am) 9G *0* SNO I lO I H1SaI (NV SNO I 1 I ONOO S1NVN]AOO [ssa.sppV ASOdoid] 34.0 (£000) HLS81 3 ut paquosap sE `satliposj pug sEaIE uouttuoo UIEldao pus sjaossd tjons Jatjlo 1.12!m satjla201 Tutjjamp g glim panosdtut puuj Jo jaosud E `ol paltutH lou si Inq `sapnjout Alsadosd at11, LZL£8 AM "2NAVHl "2AI80 ad0BO Z6 :IE pa1EoOJ pug luatunslsui Jilunoas aql ut paquosap iilsadosd am. 2ursanoo pug alsp OWES aql JO „sapua'„ am) V N VO I NV AO )INVB 01 aloN s,samossog asnoas of „samossog„ am) paugtssapun uaAT2 `alep atuss am. Jo „Iuatunslsul Alunoas„ atp.) paaU Slisnoas JO Isns1, Jo paaa `a2E21sow aql luatuajddns pug puautE of patuaap oq Ijsgs pug owUT palESOdsoou1 st pug OOOZ 2 E80100 Jo iiep Hl6 L s!tjl apEtu s! 2IHQI2I INHIAIdO'IHAHQ IINfl QHNNS'"Id SIHI ?I�QI2I ZNgIAMO'ITA3Q IINfl QE.NNYZd 9L8£QZZ17£9 NVO1 iTt incorporation, trust instrument or any equivalent document which creates the Owners Association; and (iii) any by or other rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and 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, then: (i) Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premium installments for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the master or blanket policy. In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 11. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. i0 —BS7R (0003) Page 2 of 4 TM M07P 10/19/00 3:39 PM 6342253876 9L8ESZZtiE9 Wd 6E :E 00/6L/01. dLOW b E aSed luatuAed 2uRsanbas aamos.TOg 131. sapuaq wo.q aopou uodn `isaio ut tmm `ajgeAed aq Hugs pus ales aloN ag ue;uawassngstp jo olup atp tuoij 2sasalut seaq Hells slunotue asagl `luatuAed jo sumal saq of gaffe sapua' pue samossog ssajun luatuns�suj ii2unoas Iiq pasnoas samossog JO Tgap jeuomppe awooaq Begs d gdeAesed sapun sapua' Aq passngstp slunowe Auy •tuag2 fed Sulu sapual uatp. `anp uatjm sluatussasse puu soup cum fed you swop samossog ji •saipatuag •3 L9S (E000) 8LSEr BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. ROBERT M. COUSINS PATRICIA L. C' -rNS 0 1—BS7R (0003) TM Page 4 of 4 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower MO7P 10/19/00 3:39 PM 6342253876 9L8ESNVE9 Wd 6E:E 00 /61./0l dLSW SbSO-LZE(008) SW'IOd DINO2IIDTI3 (Z166) tIL5S8 Q3 V JO I aged 113alti AIIWdd ti —I. 31V.LSIllf1W „°.tilsadosd„ agl SE luautnslsuj iilunoas am pug sapt21 Sllute3 t_j sttja. ut of passajas asE (pjogaseaj uo SI luautnslsuj AlisnoaS agl ji alElsa pjogaseaj am so) luautnslsuj iiltsnOas aql ut pagtsosap Asadosd am gllm saglasol SutoSasoj agl jo jjy °luautnslsuj Altsnoas pasanOO Aflsadosd agl jo lsed E utewas pue aq o2 pautaap act 'Hugs `olasagl suoiltppe pue sluauiaoejdas Suipnjouj `gotgm jo JTE `autsaAOo sooTj pat.pg4g pug 2uijaued `slautgEo `S,IOSStut pagoEl. `Spos ujelsno pug suTElsnO `sapegs `sputjq 'SUaOJOS `sloop tusols `smoputm utsols 'S2utumE `ssaiisp 'ssagsem `sjesodstp `ssagsEmgstp `ssolesaStsjas `SaAOIS `SagU J `S)juts `slasoJO Salem `ssaleag salEm `sgnl glEq `Sutqutnjd `snleseddg josluoo ssaooE pug !moos `snlesedde 2utgstn2utlxa pug uotluanasd asjj `lgSl pug sly `salgm `sES `,iltojsloaja 'Suij000 `Sutleag Sujlnqulsjp so Sut&jddns jo sasodsnd aql soj asogl `ol paltuti lou lnq `Sutpnjouj `Alsadosd aql qp uotloauuoo ut pasn aq of papualut JO `pasn so 'uo 'ut paleooj salJEasag so mou sanaoslegm asnleu SJOAO jo spooS pug saouEgdde `SjEisalew Suipjrnq :luautnslsuj AlpnOas am Aq piano° Avadosd am alnitlsuo0 osjg jjegs pug `uoildjsosap Jilsadosd agl of pappE ale sasnlxjj asE lualxa gip of Alsadosd agl of pagoElle salJEasag so mou Sorel! Suimojjoj aql 'luautnslsuj dljsnOas ui pagisosap Slsadosd agl of uoiltppE uI '1NalAIrLLSNI A1DIIIJUS GILL OZ 13IIELIS 1VNOLLIQQV 'Y :SMOJJOJ SE aassE puE lueuanoO Jaglsnj sapua-j pue samossog 'luautnalsuj Alunoas aql ut apRUt sluautaaJSE pue slueuanoO alp of uotltppe uI 'SINVN1AOD A I I LZ L £8 AM 3NAVHl an 12ia 2IV420 ZQ :le palEooj pug luauinslsuj Slisnoas agl ut pagtsosap Alsadosd am. Suuanoo pug alep aw S agl Jo „sapua aql) V N V312i3Wd AO )1NV8 0l aloN S,samossog asnOas of „samossog„ am) pauStssapun agl Liq uanTS alep auies am. jo „luauinslsuj Xlisnoas„ am.) paaa SltanoaS so lsnsy jo paaQ `aSESlsoj^j agl luatuajddns pug puatuu of pump act Hugs pug olut palRSodsoout st pug OOOZ '21280100 3 "P Hl6l stgl apEUi si t -I SIH.L (sluag jo luawuStssy) ?IHQRI A'III�IYd b t IssaJppy SIJOdoadl 9L8£9ZZ17£9 NVO1 570 B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower shall not seek, agree to or make a change in the use of the Property or its zoning classification, unless Lender has agreed in writing to the change. Borrower shall comply with all laws, ordinances, regulations and requirements of any governmental body applicable to the Property. C. SUBORDINATE LIENS. Except as permitted by federal law, Borrower shall not allow any lien inferior to the Security Instrument to be perfected against the Property without Lender's prior written permission. D. RENT LOSS INSURANCE. Borrower shall maintain insurance against rent loss in addition to the other hazards for which insurance is required by Section 5. E. "BORROWER'S RIGHT TO REINSTATE" DELETED. Section 19 is deleted. F. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing, Section 6 concerning Borrower's occupancy of the Property is deleted. G. ASSIGNMENT OF LEASES. Upon Lender's request after default, Borrower shall assign to Lender all leases of the Property and all security deposits made in connection with leases of the Property. Upon the assignment, Lender shall have the right to modify, extend or terminate the existing leases and to execute new leases, in Lender's sole discretion. As used in this paragraph G, the word "lease" shall mean "sublease" if the Security Instrument is on a leasehold. H. ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER; LENDER IN POSSESSION. Borrower absolutely and unconditionally assigns and transfers to Lender all the rents and revenues "Rents of the Property, regardless of to whom the Rents of the Property are payable. Borrower authorizes Lender or Lender's agents to collect the Rents, and agrees that each tenant of the Property shall pay the Rents to Lender or Lender's agents. However, Borrower shall receive the Rents until (i) Lender has given Borrower notice of default pursuant to Section 22 of the Security Instrument and (ii) Lender has given notice to the tenant(s) that the Rents are to be paid to Lender or Lender's agent. This assignment of Rents constitutes an absolute assignment and not an assignment for additional security only. If Lender gives notice of default to Borrower: (i) all Rents received by Borrower shall be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Security Instrument; (ii) Lender shall be entitled to collect and receive all of the Rents of the *BS 57R (9912) TM Page 2 of 4 M57F 10/19/00 3:39 PM 6342253876 9L8E9 tiE9 Wd 6E :E 00 /61./OL 9LSW t7 J° E aged luatunJisuj Al. dq pamuisad satpatua. jo Aug alonu! Lew Japuaq pug luauinJa.sui dl.tsnoas Japan gouasq u ag !legs lsasal.ut ue set! Japua'j goigm ut 1.uauiaaJffe JO 01.0U Aug Japan gogaJq Jo lingjap s,JamoJJOg 'NOISIAO'Id 1TEf1Vdaa 'I 'Ilnj ui pied ang luatun.q.suj dlpnoas dq pampas stuns am. Hu uaim aleutuuJal. !legs SI.JadoJd age jo jo luatuuffisse st4Z °Japua-j jo dpauiaJ JO lt(2u Jai11O Aug alopttRAU! so lingjap Aug antom Jo aJno lou !fogs swa21 jo uop.uotldde duy •ssn000 lingjap R uagm auti. Aug os op Amu `Janiaoai paluiodde dlletotpnf g JO S1.1,102E s,Japua j JO `Japuarj `JanamOH °JamoJJOH o� 2inejap jo aot.ou Suini$ saljg Jo asojaq dlJadoJd ute1.utecu Jo jo joswoo `uodn Jalua paJtnbaJ aq Tau !legs 'Jantaoas paa.utodde d!lgtotpnf g Jo swag mapua' JO `Japua-j °gdg.auJed siga. sapun Suisiosaxa uiOJj Japuarj Wanasd pinom a.gq. log Aug `uuojsad you !!tm pug 'pauisojsad Tou sal pug s2uag a jo 1uatuugissg Joud due painaaxa lot sg4 JaMOJJOH egg} slugJJem pug s1u0s0JdaJ JaMOJJOg •6 uogoas Tugnssnd �uautnJ�suj (p noas dq pasnoas Japua'j Jamossog jo ssaupalgapui auiooaq !legs sasodsnd Ions Joj Japual dq papuadxa spun] due SWOU 01.1 guRoalloo jo pue iI.JadoJd 2uigeueui pug jo ToJi.uoo 2UDle1. JO S1SOO ail. JaAOO luatotjjns Tou aJe da.JadoJd jo s1.u921 jj °dJJnoas se di.JadoJd alb jo doenbapeut alb o� se 2uimogs Aug 1.nola.tm dI.JadoJd ap. uuoJj panuap sitjosd pug swa21 loa!!oo pue AJadoJ alb aSeueui pug jo uotssassod paluiodde JaniaoaJ u angq pap91.1a aq !legs Japuaq (in) pug `.pantaoaJ Al!gul g sluaJ asom Alto Jolt lun0000 algutf act !legs JantaoaJ paiutodde dlletoipnf dug Jo slua2e s,JapuaJ `Japua-j (n) :TuattnJlsuj dltsnoas dq pasnoas stuns am ua12 pug `dlJadoJd am uo sa2JOgo Jamo pug sluauissassg `saxei. `stuntuuasd aougsnsu! `sl.soo aoueualuteuu pug JiedaJ 'spuoq S,JOAI000J uo suintuiaJd `saaj S,J2niaoaJ `saaj S,dausoUe `o pai.! ut! Tou �nq Tutpnlout `swuaJ 2ugoa!!oo pug AI.JadoJd 2u!2eueuu pug jo jo moo am o� �sJtj paildde act !lugs swag s,Japuarj so Japua-j dq paloa!!oo `astmsamo saptnosd mg! algeotldde ssalun (A!) :Tugual. pueuiap ualapm s,sapuarj uodn swage mapuaq Jo Japuarj o� piedun pug anp dud Hulls dwadoJd am jo goga Pegg SaaAe JamOJJOg (iii) :dlJadold T L'S (Z166) tiLSSEI �t1 Ill BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this 1 Family Rider. ROBERT M. COUSINS PATRICIA L. CiUS -BS57R (9912) TM 572 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower Page 4 of 4 M57F 10/19/00 3:39 PM 6342253876