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III 11 1 11 1 66/C L90£ WJoj 1 1 II 11 •S'IalAI-6L9 (888) •Ial `9ZOZ INi lulld `9Z0Z xog •0 3o auotidaial pug ssazppg ug sgti pug `azmmeiaQ 3o smgq ail zapun 2ullsixa pug pazivaio sr S2IgYN ;uaurnalsul Smarms siq; aapun aagnS;aour aq; Si Swami •sudlssg pug szossaaons s,zapuaj pug zapua7i zoj aautuiou g sg Slops Vu!lon si lggl uoilgzodzoo algi dos g si SNM aui `stuaisks uoigxlst2oN oiuozloaig 9801zow si „slow„ (g) •Iuatunzlsul *moos snp zapun zo8g2lzotu all si zamozzog aaIM (NV QNVgsfH 'Q'ISIN NNA'I K. 'I QNY GrlaIN •0 HdgSOE s! „aamoaaog„ (g) •luaurnoop sltil of szaplg TTg tp!m zotpo2ol 0 0 0 Z H,L gOJ O palgp si tpitim luatunoop slip sugatu Juauinalsul Smanaas„ (v) •9T uoiloos ui popinozd osig azg luaurnoop snp ui pasn spzom Jo ogesn alp 2utpzg8az saint ulglzap •TZ pug OZ `8T `£T `TT suopoos ui pautpap gig spzom nip pug moiaq paui,Iap azn luatunoop sTgl To suoTloas aidpinur u! pasn spzom 856£Ii9TZTi709Z9000T NIJ' c. L HDdd iId V xoog CO in e0 00Ni CJ3AI3O3I s�eµ!ul 9l o6ed (AMIV9 (9088) 5 (00/170) OLLLALLMN Sl13W 11 HM 1N3WfiUI1SNI 11111:104111111 O1A1IH1 /VWNd AI!wed el6u!S JNIWOAM IOVD] TO 1 [ma 8mp.ioaag .Jog aurI S!q.L aeogy ands] 9 06ZSL XI 'sp1TPC 05b agTnS 'anz.zQ wnuon0 0S86I )t OM ;aN 1 T3U uzd sEuzwo0ewoH :gig pan dazd 399 t6 L L 9(OO8) SWHOJ 39ViLHOw dwn SNOIIINI3t'IQ S-4£49iZ-i40 :iagwnN ueo1 £Z4SS NW 'sliodeoumyQ OOi s 'Suissoi3 ueiptxoW ouo "ow VomtoN piloting s2uIWo3omog :oy uznlag II6£` O O OSt;8876 7 2 6 (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 4TH 2 0 0 0 The Note states that Borrower owes Lender ONE HUNDRED THOUSAND AND NO /100 Dollars (U.S. 100, 0 0 0.0 0 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later tharNOVEMBER 1ST, 2 03 0 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider1 1 Condominium Rider 1 Second Home Rider Balloon Rider 1 Planned Unit Development Ride 1 1 -4 Family Rider F7 VA 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. MFWY7770 (04/00) 041- 216434 -5 (9905) Page 2 of 15 Initials: V1/4„--0 Form 3051 3/99 !2L 661E L 90£ Wioz1 [apoD diz1 OTT 8 [loads] jo ssasppg aiI sell Siluassno iotim 2ututoSM [kuo] 9 L to g 96Qd 19066) (AM)V9- CIP S (00 /b0) OLLLAMAW Avadosd pas gutsanoa )uaurnslsur X)Isnoas uuojiun a alnlpsuoo oI uotptpspn[ e(q suopgrsen paaimq ilim slueuanoo utsoltun -uou pug asn ieuopeu soj s)ueuanoo utsoJiun sautquroo LNgY�f12I,LSNIAIMDRS SIHI •psooas jo saouesqutnoua Sug oI pafgns `spugurap pug suggp tie )sutege d)sadosd all) (31) app aril Xj[gsaua2 puapap 'um pug slugssgM samossog p1Oaas josaouesqutnoua soj ldaoxa `pasaqumouaun si Spacial,' gip Ieil pug Alsadosd ail Sanuoo pug lugsS `a2g2lsout of lifts ail sell pug paJianuoo &gasaiale)sa all) 3o pastas dfnJmuj st samossog le pSJNVNgAODIIIAc1O2IfIOH •Iuaumslsui AlIsnoas sup 2utiaoueo pug Sursgaias `o) palturi lou lug `2uipnpui sapuari jo pasrnbas uopag Aug aAe1 o1 pug `.Alsadosd ail Jigs pue asopaso3 0l li2p ail `01 paltuni )ou lnq `2utpnput 'manful as0il 3o Jig so SUE astosaxa o) :lids ail mg (su2isse pug ssossaoans s pug sapua-i soj aautusou se) SggjAI `uto)sno zo Mej 'pm SIdutoo of Ssgssaoau 3r 'mg luatungsui Slrsnoag sup ut samossog palueiS slsasalu ail 01 app ie�ai Apo smolt SagN 1eia saasSe pugspuelssapun samossog „•X)sadosd„ gip seluautns)sui �S)pnoas sup ur o) pomp.' st SutoSasoj ail jo Illy •Iuautns)suj ,Slpnoas sup i(q pasanoo aq osie jp qs suomppg pue sluautaaeidas ity •tilsadosd ail jo Isgd a sa �3easai so mou sa.mvaj pug `saougualsnddg `sluaurosea Jig pug `Aisadosd gip uo papaw salJgasai so Mou Sluatuanosdutr ail IL H LIRA 2IgH LgDO L „ssasppy Alsadosd NOL Y 8£Z AMH H,Lrd,LS DNINOAM 98ZOT OOL8LTOOZS£6TZ£ :saquznN GI Iaasgd ;oaaau 1aed e apeui pue ogaaatl pat,]oegle uoT dt.zosap Te6e I [uoporpsunr Sutpsoova JO atuRH] [uono?psunl Surpooaj Jo ad/CI] N'IOONIrI 3O AJNLIO0 ail ur palgooi Aindosd pagisosap 21.qmouoj gip `gigs 3o samod slim `s gyl jo satsse pug ssossaoons gip o) pug (suatssg pug ssossaoons s,sapua-i pug sapua-i soj aautuuou se Apios) slow i' J of Sanuoo pug pima `a2g5)sour Sgasai saop samossog `asodsnd sup sod •aloN ail pug)uaumslsui AlisnoaS sup sapun sluautaasae pug slueuanoo s,samossog jo aoueutsopad ail (q) pug `.aION ail jo suopgot tpom pug SU0!SUalxa `siemauas up pup `ugol alp jo luautAedas ail (g) :sapuari o) sins luautnslsui S)isnoaS stiy A.LlIgdO'Id MIL NI S.LHORI 30 2I33SNy2I.L •luatunslsui A)isnoaS sup so /pug aloN ail sapun suotlaigo s pautnsse sell Spud i up lou JO sailaiM 11s0d0Jd ail 01 apt) ua)jgl sei )ell) Sped Niue situ= „aa noaaog Jo ;saaalui ui aossaaons„ (0) UNIFORMCOVENANTS. 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 prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbfanceon the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts MFWY7770 (04/00) 041- 216434 -5 ©®6A(WY) (9905) Page 4 of 15 72b Form 3051 3/99 661£ L90C WJod 3 2 9 L abed (90661 (AM)y9 S 1170 (00 /b0) OLLLAMdVI agl &uidJivapt a3i1ou g zaMOZZOg anti Sum zapua-i `luautnzlsui dl snll nano dlizotzd unepe ueo gonim uaq a of pafgns si dlzadozd 0110 jo Ind dug ripsauiutzalap zapuari 3i •Iuautnlsui Sa sup 01 uaq aq1 Supeutpzogns zapuari of dzopujspesluaumaaaar ug uaq alp jo zapioq alp uioz3 saroas (o) JO `.papnpuoO air s2urpaaoozd lions Ipun diuo Inq luipuad aze sSutpaaoozd asogp apgM uaq alp jo luauuaozojua aqp luanazd of algzado uoiundo s,zapua' ut gotgm auupaaoozd p2ai cut uaq a 1113oluaumozoJua 1SUi a spuajap JO 'At gpe3 pooS ui uaq aql slsapuoo (q) `.luatuaaz2v lions Suiutzojzad si zamozzog se Suol os /Quo Inq `zapua-i 01 aigepdaoog z0uueut u ut u0n alp dgpaznoas uotpaggo of p jo luautded atil 01 SU UM ut saaz2e (g) :zamozzog ssaiunluautnzisui di stg1 nano dpizoud se11 lonim uaq due 0Szgnosip Apdutozd iiegs zamozzog uopoas u1 paptnozd =MEW alp UT warp iced Rees zamozzog `sutali Mozosg aze sutalt asalp Imp lualxa alp o 3t `spuautssassV pue `saad `sang uonrposs'dltunututoD pug 'Aug 3t `dlzadozd all uo sluaz puno1S zo sluauTded pioiasuai luaumzpsui *moos sigp JOAO d1TZOtzd utelle ueo 11oigM dpzadozd alp of aigeingizlpe suopsodun pug 'soul; `sluautssassu `saxel iig iced uggs zamozzog 'man :salaegg •p •zapuari dq Nag spun dug zamozzog 01 punjaz dpdutozd jp qs zapua-i luaumzpsui Allmon sup dq pins sums III jo iin3 ut 1uautdud uodn •sluautded dililuout aAIOM1 uenl 0z0111 011 III Inq `VdS flI 1 I11m aouepz000e uT XOUaTOgap alp dn aojuui 01 dzussaoau lunoute aq1 zapuari 01 iced iiggs zamozzog pug `ddsga dQ pannbaz se zamozzog djilou hens zapuari `VdSg2I "Pun paut30p su `Mozosg ut piaq spun 30 SouatatJap e st 0za111 3I •sluautdgd digpuout 0n10M1 ueq) azout ou ut Inq `ddS flI gllM aougpz000e Ut a2elzons 0111 dn arIeta 01 dzessaoau Iunoure alp zapua-i 01 iced Rees zamozzog pug `vds ni dgpazmbaz se zamozzog 4P01I Ilegs zapua-i `ddsgg "Pun pauiPp sg 'mama uT piaIr spun 3o aSrizogs a st aza i13I as 'a 111imaODUpzoOOe ut spUn3 ssaox0 0111 zo3 zamozzog 01 11111033g iiegs zapual VdSg2i zapun pawl ap se `MOZOSO ut piaq spun 3o snidzns a sl 01O111 3I •vdsaa dq pazmbaz sr spun ag1jo Sutpun000e 'mum ug `ajgip pno1fm `zamozzog 01 anti Ilels zapua-i .spun alp uo pied aq ins IsazalU! rip `zanamol `Su11TIM ut aazde ueo zapua-i pue zamozzog .spun gip uo auluzua zo lsazalut due zamozzog iced mini-mbar aq 1ou hugs zapua-i `spun alp uo pigd aq 01 Isazalu! sazmbaz Me-i aige »tiddy JO Sur111M lit apeut stpuautaaz2g ug ssaiun -amp a lions a)IuuT 01 zapua-i sliUIzad me-i aiquogddy pug spun alp uo Isamu! zamozzog sdud zapua-i ssaiun `suuali Mozosg alp Sul/LE/an zo `1unooWe Mozosg 0111 Sutzdlgue diiunuuu `spun alp Sutdiddu pup Sulpioq 30310m0110g aSiggo 1ou Rees Iapua'i •ddSg2l zapun pajioads auttl alp mil zalel ou small Mozosg alp dgd 01 spun alp diddg Rees zapual •otueg ueo-i =old igzapad due u1 zo (paznsut os aze s1isodap asogM uotlnlpsui Ue s1 zapuari 3t `zapuari Sutpnput) dlilua zo `dltieluaumzlsul `Sonar Igzapa3 e /Col paznsut an slisodap asogM uopnlilsul ug ut piaq aq Begs spun aqs •mg-i aigeotiddy n1TM aougpz000e u1 asuAzanlo JO small Mozosg aznpn3 jo sazn1jpuadxa jo saleu aiquuoseaz pug glep warm jo sisgq all uo anp spun jo IunoUfl atpaleuIpsa iiels zapua-i Vdsg2i zapun aztnbaz ueo zapuai g Iunoute utnutixgut 0111 paaoxa 01 1ou (z) pug ddsg2i zapun paptnads aunt alp Ili spun alp didde 01 zapua1 1tulzad 01 Iuappjns (T)1Unoure ue u1 spun pion pug papa `aural due 1e 'Amu zapua-i uolloas sell zapun pazinbaz uaIr1 aze 1gg1 `slunoutg lions u1 pug `spung IIe zapua1 01 iced hags zamozzog `uo11goonaz Irons uodn `pug ST uotpoas gplmaouepz000u uT 110/0 00110U e dq 01.119 dug 1e sui21I Mozosg lie JO dug 01 SE zanigM 0111 0)10A0z dent zap1101 •lunoum Bons dug raping 01 dedaz 01 6 uolloas zapun palaggo aq uag1 iiggs zamozzog pue lunoute lions iced pug 6 uotpoas zapun sEiSp slit astozaxa Selo zapua1 `mall M0139g Ug zo3 anp 1un0ute alp dgd o1 situ3 zaMOZZOg pug `zantgM u 01 lugnsznd 'Swazi!) man Mozosg dud o1 pairStigo st zamozzog 31 •6 uolloas ut pasn st 1uautaaz2g pug 1uguanoZ„ asezgd alp se `lualunzlsui Allmon s111p utpaulepuooluautaazgg pug 1Uguanoo u aq Oppauzaap aq sasodznd IIe zo3 Bens sldtaoaz apinozd 01 pug slu0utdgd eons zoom o1 uotlatigo S,zaMOZZOg •aztnboz Amu zapua-i sr poizad amp lions un p1M 1uautdud lions SuTOUapina sIdIaOaz zapua-i 01 Irsiuzn3 Runs `sazmbazzapua-i 3i `pug zapua' dq pani9Muaaq suq spun jo 1uaulded 11otgM zo3 swan Mozosg dug zo3 anp 3G 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 /oral 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 216434 -5 6A(WY) (99o5) Initials: J h(.1v Page 8 of 15 Form 3051 3/99 66/£ 150E WJO 9 L 10 L °6ed (5086) (AM)y9 S (00 /1 OLLLAA!13141 ajgeuoseaz 2utked pue `lznoo ularodde (z) luaumzlsul Sprznoas sup nano ii)uoud seg iprgm tali a Act paznoas stuns Sur 2u!Srd (j) `oI poij!wq )ou air )nq `apnpul tea suoi)oe s,zapuol •X11ado1d ag) 2uuuudazzo /pue 2uunaas pug `Alzadold al) jo anjen alp Suussassexo /pue 2ui)oalozd Suipnjauu `)uaumnisuj Airman sup zapun pue Apzadold aqa 111 isazaput s,zapua -j loalozd op alelzdozdde JO ajgeuoseai Si zanapelm 1oj /cud pue op Mutt zapuoi uagl `Alzadozd all pauopuege set 1amozzog JO `(suotprinSaz zo smej aozojua op z0 luotutimul Allznoas sup 1ano iiluoud u!rpr hut lorgm tali e jo )uautaolojua 103 `alnplapoj 1ouopeuttapuoo zoj `alegozd `Aoldnilu1q ut2ulpaaoozd a se ujons)Iuauunzlsul Allmon sup zapun 9i12izzo /pue Apzadold alp uu )saza)ut s,lopua -I lame SpueozJluSls Iij iur )rip 2uupaaooid pt2aj 91st alagl (z) luatunzlsui S)unoas sup utpaut91)uo3s)uamt001291 pue s)11euanoo all uuojzad 01 sjrejz0mo11og (i) 3I •luautnalsui Sljanoas sjq; aapun slg2jg pug Slaadoad aqj uj lsaaalul s,aapun 3o not)oa)oad •6 •aouaptsaz p diouud s,zamozzog se ,ilzadozd all jo bu91dn000 s,zamouog 2utuzaauoosuopeluasazdaz `ol paliwij lou aze lug `apnjoutsuotleluasazdaz jeuap91JAJ •ueo-I aql t p m uopoauuoo ur (uopeuuojul 191110191111 glum zapuarl aptnozd 01 pop.; zo) zapua1 ols)uauua)91)s 10 uoupeuuojut al911nooeur 10 `SuipRajsi1u 'asj91j ifjjeualeuu aAr2 )uasuoo JO apajmomj s,1am011og glum 10 10M0110g JO uopo01ip alp pe 211111091 sa1)pua z0 suoszad X1191 JO zamou0g `ss03ozd uopeotjdde ueorl alp Suunp `31 ljn91jap ui aq jjegs 1amozzog •uo feagjdd\ ueorl s,aaA+oaaog •g •asnea ajgeuoseaz fans 2uiApoads uoilo0dsut 10110;111 1191 Bons 0) zoud 10 jo gulp al; )e a39011 10M0110& an12 jjegs lapuo l •Lilladozd alp 110 s)11au1ano1dutl alp jo 1011alu1 alp podsul SEM zapuarl `asneoajgeuoseaz sett )1 jI alp jo suopo0dsut pup uodn 9011)110 ajgeuoseaz ovut Diem )U0 91 91 zo zapuarl •1101)9110)90110 ztl'daz lans jo itopoiduuoo ail zoj uo1laujgo 5,10/A0110a jo panarj01 )ou 5110/A0110g q)1adozd 0g) az01901 zo ztu'd01 01 puauotjjns you 0191 spoo ozduot)eutuopuoo JO aouiznsui aq) jj •p0p0jduuoo st )j1om agp se sluauaed ssoi ozd jo sodas a ut JO lual pied apuls 91 uuuotpezopsaz pup szledax aq) zojspaaoozd aszngslp Amu u zapu01 •sasodznd ions zoj spaaoozd paseajaz sei zapua-I j1 Ajuo Al1adozd out) 2uuo)saz zo 2uuledaz 1oj ajgisuods0z act jjegs 10M0110g q1zad0zd agp `30 2uDje) alp 10 `01 aS91uirp 111m uopoauuoo ut pled aze spoo olduop1uumpuoo 10 031111111119 3I •ageump 10 uo1p911olza)ap ioi inj prone o) pa rturp 3r iilzadozd alp 1191daz Xpdtlozd jjegs 10M0110g `0jquseaj Suro1u1ouma )ou 511101)9110)501 10 1191(101 peg) S 1101130S 01 luenszndpaututzalap sr 1)1 ssajun •uorlrpuoo 911 01 anp own 111 Suts91o13op s0 5u1)ezoua)ap utozj (p odosd alp lUanazd o)1ap10 111 I )zadozd alp ut91)uteuz jjegs zamol1og Vt)zadozd alp 111 2ulprsaz su zamozzog )ou 10 zalpalrn •S)xadold alp uo 0)s91m )1ulutoo JO alelou0pap 01 Alzadozd alp moire `A)zadozd alp ztedul1 10 a rturp `Soz)sap lot jjegs 10M011og •suopoadsui :Xpadoad 0q3 jo uo►)aa;oad pug aoueua)utey\j `uoj)enaasaad •L •joz)uoo s,lamozxog puoXaq 0191 lo)gm lspto saaue)sutnazra &up91nua)x0 ssaJUn 10 `pjalgp1m iijg91uoseazan aq lot Ijels )uasuoo lalgm `2u1)1zm 111 5001 91 astmzag)o zapuo -1 ssajun `buednaoo 3o am) agp 10)391 zea i 0110 )seal )e zoj aouaplsal j91dlouud s,lamozzog se Spxadozd alp Adn000 01 mum= Hey pu91)uaumlpsUl *moos slap jo uo1)noaxa aql 1a)j91 skep Alxls u1q)umaouaprsaz jedlouud s,zamouog se iipzadozd ail asn pue `lsggeisa `Sdn000 jjegs lam0z10) •buednaaO •9 •anp tai) )01110 zalpgm `)11aulnz)sul ii)lznoas sup 10 0)0N 0111 10101111 pt91dun s)unotze cud o) 10 Ii)10d0zd 011) 0101901 zo 1191(101 0) zag)10 spaaoozd 03119111111101)1 asn kern z0pua -I ag) 3o a291xanoo agp o) ajg91orjdd91 0191 slq11 ions se lejosul `iLlz0dozd alp 211u0A03 s0iogod =mum! jje zapun (10molzog (q pled sunittuoid pau191aun jo punjal £1191 0) �01 alp 1191gp zaipo) sp1R11 s,zamollog 30 1011)0 X1191 (z) pue `)uauunzpsul &punoas sup zo aloN alp zapun P191dun slunoul91 alp paa3380 0) you )unoute 1191 111 spa0oozd 0311e119111 Niue 01 spp11 s (I) zapua-I of saissr Agazag zamo11og `091101110 10 zZ uolloas zapun k 1odozd alp 9011)091 zapuarl jt 10 )uana 101))10 111 •uan12 51 ao1)ou al) uagm u12aq w pouad tiep -O£ 01)J •t111Io alp 0)1)09 pue 0)911)0S0u Sew 1apua'I 1101)) `ittej0 91 0p)0s o) pazajjo seg 10911113 00ueznsu1 alp imp xapuai uloxj aop0u 91 0) &iep p£ uulplm puodsaz )ou saop 1am01zog jI p0)1jaz pu91 11191l3 001111119111 ojgejurnr eiu1 0)1)09 pug 0)11)oSou 'am but 1apua1 `Alzado1d alp suopuige 10M0110g 31 •z uopo0s 111 zoj paprnozd zaplo alp 111 pagdde aq Ijeis spaaoozd 031113111111 ionS zamozlog o) pled `Awe j1 `ssaoxa alp os€.SS 732 attorneys' fees to protect its 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 LenderrequiredMortgage Insurance as a condition of making the Loan, Borrower shall pay the premiumsrequiredto maintain the Mortgage Insurancein effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately 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 agreementbetween Borrower 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 restorationor 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- 216434 -5 6A(WY) (9905) Page 8 of 15 Form 3051 3/99 66/£ 1.50E WJad 5 r 1.O 6 e6ed (5066) (AM)V9- 5 (00 /170) OLLLAMdW sup 5uiu2is -oo si (n) „Jau2is -op„ p) atom alp apnoaxa )ou saop )ngpuaum1)sui ,i)ilnoas sup suBTS -oo 011M M011og ,Sur `zanamoH pianos pup Iurof aq liels Xpgrgeli pug suopeSggo s yelp saaJ& pue s)uguanoo J0Mozzog •punog suglssy pug saossaaans :.fwgei'I Ieaanas pue ;ueo f •£l •,ipauraz Jo WTI ug jo aspzaxa alp apnpaid JO JO J2nigM E aq you jp ijs `anp uai iunoum alp uglp ssaisyunouie ui JO JOMO11OH J0 150.10111I ui SIOSSaoanS Jo sagipua `suoszad pzigi uuoi3 sivati,ied jo aouupdaoan s `uoipe)luul inogpTM Tulpnpur Spam JO 1112u Sur 2uisiJZaxa ui zapua'I Sgaougzgagmj ,iuy •1amozzog jo )saiapui ui szossaaans thug z01aMOJJOg Ieur &uo alp ,igap19uipu19umap Sur jo 1105R0.1 ,(gpuaumlpsui A�lmoas sup Sgpalnoas sums alp 3ouopuzrpotue tijipoti aS[MIaIpo JO auauagd .O3 amp puapxa O) asnjaI O) zo zoMOuJOa 3o psazapui ui zossaaans ,iu19 psuiai Ouipaaooldaouauuuuoo op pas nbaz aq )ou ilnls zapua'i •1amoJZOg 30 )salami ur s1OSS0031Is Sun 10 JamoJJOg 30 kW :pH 0111 aseap1 opapelado you imp Jamonog 3o ysazayui ur Jossaoons ,iue 10 Jamozzog oy Japua-i ,igpapueapuauunl)sui Sipnoas 9N Sgpalnoas sums alp 3ouotpgzipzouie 30 uorpnompouu Jo puaur,ind zo3 am!) alp jo uoisuapxg g 20N aapual Bg aauiiie gao3 :paseapag yogi aamoaaog °Zi •Z uopoas u1 zo3 paprnozd zapzo alp u1 paiiddn aq Ilels ,iplado1d alp jo 1reda1 Jo 1109uz0)S0J o) paldde )ou o1' yul) spaaoozd 5000UU1103sTIAI ITS' zapuaZ 01 pled aq Ilels pug pau2isse ,igazal am SpadoJd alp ui )saJapur s,Japua-i 3o puauu Tduq alp oyaigq)nquppg azg pugp sa2iuuep zo3 unup Jo pzeme Sup jo spaaoozd atm )uatun1)sui ,i)i1noas sup Japan Jo &)10d0Jd alp ur )salayur selapua-i 30 )uati1ieduu irpa)eui zal)o Jo Spacial,' ply jo oinyiapo3 sapnpald `yuaiu2pnf s,Japua-I ur `poly 2UIlnz a 1p!M passliusip aq 0) Suipaa3old zo uor)on al) Suisneo ,iq `6T uor)oas ur papinozd sr apn)suraz 'pimp() sgquoiygzaiaaag 31 `pug )inepap a lions alto ago JaMOJZOg •)uauml)sui d)unoaS slip Japan s)1211 Jo ,f)Jado1d alp u1 psazayul s,1apua7 30 )uauureduul iguapnur Jalpo Jo I.)1ad0Zd alp JO a1n)1a31O3 u1 )insaz pinoo `)uatapnf s,zapua-i u1 'mu un2aq sr Igutuuizo Jo Irmo Jalpalm Iuipaaoold zo uorppg Sur 31)Inump u1 aq wogs 1aMOJJOg •spaaoozd snoaupiiaosm 0) pzg2az ur uorpoe 30 )1511 sgq 1amo11Og =Tim )surOu Spud alp Jo spaaoozd snoaugiiaosm JaMOJJOg samo yelp Sized pulp alp su19am And Suisoddp„ anp ualp )ou zo zalpaigq `puaurn1psul Spiwnoas sup Sgpalnoas sums alp 0) 10 ,iplado1d alp 3o Jredaz Jo uotpplo)saz 0) zal)ta spaaoozd snoauniiaosryN alp ,fiddn pug papa op pazrlolpne 91lapua-i `IMO' sr 03110U al) a)19p alp 13)319 s,fep p£ url)1M /Noun o) puodsaz 01 si1p310M0110 `sageurgp Jo3 uurnp 19 alms 0) pleme ug a3919ui 0) s1a33o (aoua)uas )xau alp ui paugap se) ,aped Sulsoddp alp )gip Jamo1J011 0) Japua-i ,iq ao1)ou zap319 `31 Jo `lamozJog ,iq pauopupgp s1 ,i)1ado1d alp 3I •anp ualp an sums alp )ou Jo lagpalM )uaumz)sui ,i)lznoaS sup ,iq paznoas sums alp 01 pa11dd19 aq hugs spaaoozd snoaupiposm alp Tu1)1M ui aa1d19 as1MZalpo Japuari pue Jamo1log ssaiuri `amen ui ssol JO `uoi)onz)sap Imp) I19p1ed alp azojaq,iia)19lpaunur pampas stuns aq) 3o )unour19 al) u19l) ssai si amen u1 ssoi 10 `uoiyonl)sap Tunle) imp rd alp azopq Splelpaiurul Spladold alp jo amen )a)1119W 11193 alp goilM It! Ap1adozd alp 3o amen u1 ssoi 1O `uolpnz)sap 'Stipp) Ietpzgd p 30 )uana alp ui •1amo11Og 01 mud aq Iinls aouninq i uy amen ui ssoi J0 `uor)onz)sap Tupip1 i191p1nd alp azopaq Jfia)nlpauruzr k)1adold alp jo amps ya31119ur zip3 alp (q) Sq pap!Mp anion u1 ss0l zo `uoi)on1)sap `2uejn) I19p119d alp alojaq &la)rpauuuu pampas suits alp 30 )unouz19 I19)o) aq) (19) :uoiyoul3 SuIMOiio3 alp ,iq paldpinui spaaoozd snoaueiposij4 al) jo )unoui19 al) ,iq pampa/ aq iinls )uauunlpsul ,f)11noas sup ,iq paznoas sums alp TulipJM u1 aaBe aslM1alpo Japua-i pug zam0l1og ssaiun `amen u1 ssol zo `uotponJpsap TuRn) inpied alp alojaq Stamp )uaum1)sui ,i)unoas sup Sq pampas sums alp jo )enure aq) um p Ja)19 I Jo 0) piuba sr anion ui ssoi .10 'uoipon1)sap lupi19) ippznd alp alopaq,iia)ulpaurun ,ipzadold alp 30 anion mpeur 11193 aq) golgM u1 ,ip1adold alp JO anion ut MI Jo `uot)on1)sap 'Sum) Tnp119d n 30 )uana al) ui •lamozzog 01 p119d `Sun 31 `ssaoxa alp 1p1M `anp ual) )ou Jo zalpagm `)uaumz)sui *mos sup ,iq pampas sums alp 01 pai1dde aq iiels spaaoozd snoau19liaosm alp `,ipzadozd alp jo amen ur ssOJ z0 `u0rpon1)sap `2upp) iep0) a 3o )uana aq) ui •Z uor)oas ur 103 papinold Japzo alp ui pagddu aq iipgs spaaoozd snoauulposm Ions •zamozzog 0) pled 'Sup 31 `ssaoxa alp gpinn `anp ualp )ou Jo JalpalM 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 construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally 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 connectionwith 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 Instrumentis 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 M1 (04/00) 041- 216434 -5 446A(WY) 19805) Page 10 of 15 7 3 4 Form 3051 3/99 661£ L9OE Wand f, J 5 L L *Bed (9066) (AAA)v9- 5 (00 /b0) OLLLAMdN^I Vdsgu uotlgutloJut zaipo Aug pug apgut aq moils sluautied gaium o3 ssazpp11 aq3 `zaotnzas ugoi Mau ai(3 jo ssazppe pug ameu au; 03eis II?M IloiigM aSueilo gip 3o aailou 11033TJM 110nt2 Oct Ilion zam0110g `z00i110S 11110 01 D jo augip a si amp 31 .g gip 3o is a olpal11gazun zaotnzas ueoi alp jo saump azow JO auo aq ogle ant u, •me-I algeoilddy pug `luaulnzisul A3jnoas sup `aloN alp zapun suoiiegtlgo SupIAJas ueol a2g23zouu 131110 stuzo313d pug luatznzlsul Sitznoas sup pug aloN aril zapun anp sivauded Otpoizad sloalloo 311tu „zaotnzas ugol„ am se uMou)l) Aipua alp ut aur p a ut �lnsaz 31i$iw a1gs •zamonog 03 aogou zoud 3noipii sauul aloft 10 auo plus aq ugo (ivautnzisuI iilunoas styli ipis lamaSol) aloN am ut isazajut puped g z0 MMON a1JZ •aouenaRD 3O aa13om :aaaptaas ugo' 3o Aueg3 :al0N 3o IS •0Z •81 uopoas zapun uot3gzgpoog jo am alp ut Ii1dde 3011 llegsa311isu131 03 1115il sup 'Jana/Aoki •pazzn000 pm'uotp11lapooe ou 31 se ani3oa33g eit1n3 ute1113z ((11119 Sgazailpaznoas suotpatlgo pu11luatmzlsul Altman sup `1amo11og /Qquatualeisuiazuodn •1aJsuers spun] oiuolloa(g (p) JO drug JO S111Eluautnzisut `Soua& lezapa3 paznstn Sze slisodap aso1rm uo1ln313sut ug uodn uug1p si pip ipns Niue papinozd 'pay s,zattlseo zo pago s,zaznsgaz3 Vago Iueq `goaip pagpla0 (o) `zapzo buout (q) `tlseo (e) :zapua-I /gpapaps se `suuo3 2uimollo3 aql jo a1Oti zo auo ut sasuadxa pue suinsivautaieisutaz irons d zaMOZZOg win azinbaz ,sew zapual •paSurtpun anuiluoo llegs `luaumz3sul S moms sig3 Agpalnoas stuns alp krd of uopeSi(go s,1am0110g pug `ivacunz3sul *limas still zapun s3g2iz pue fi3zadold ails ut isazalui s,lapuarl wtp aznss11 01 alinbaz Siquuosgaz hut 1apuarl se uoiiog irons sa)lel (p) pug `.luautnzisul ilpnoaS sup zapun slit &iz pue S.3zadold gip ui i sazalul s,zapua-I 2ugoalozd jo asodznd ails 103 palznoui saa3 1a1po pug `saa3 uoiignIgn pug uoi3oadsut Aliadozd `saa3 ,sii3uzoipe algeuos11a1 `01 pali11!1 iou lnq Tutpnput `3ualunzlsul Aliznoas sup 2ut0z03ua ut pazzn0ut sasuadxa lle &iud (o) `.sluauzaaz2e JO S1I EU0AOa 131 0 Niue 30 i1n1133p due 931110 (q) `.pazzn000 p11tluotle1a130011 ou 3t se 3loM gip pu11ivaiunzisui 'iliznoaS stgl zapun anp aq pinoM imp goilrm stuns 11e zapuarl need (e) :1oMoJ1og igill aze suop puoo as011,1, •lualunzisui Altman sup 5ut0zoJua luau1lpnf a 30 &lug (iii) JO :01E1SUI3I 01 11I111 S,z0m0zl0g 3o u011eutuu31 airs zo3 S3ioads iq itt Me-I alg11ogddy sr pouad zag10 epos (ii) `.luaiunzlsul *moos step uq pauie1uoo ales jo zamod Ave o3 iugnslnd S3ladozd ails jo airs =jag sSep anld (t) :jo isa1pea alp of loud auu3 Niue le panupuoosip luaiunzisul SlizUOas still jo luau1a01ojua anger 03 31.0!J gill anet1 IIrls IaMOZZOg `suot3ipuoO ute31a0 spout 13M011011 3l •uo13eaapaaV aa33y a;elsuiag 03 3 3)J 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1u33ui alp `luautaaz211 MOJOS3 10 3311131100 sales ivatzlleisut 'pan 103 331111uo0 'pap zo3 puoq a utpa11aJsuezl 51sa101u1 lei0t,3auaq asoip `03 paliutil Sou 3nq Tutpnput 'Spada',” alp u11sa1a1ut (11log0u0q JO Ir2aj Niue su11atl „,i11adozd am u13sa101ul„ uol33as 51113 ut pasty S' T •aaMOaaog uI 3saaa3ul Iepgauag a ao iC3aadoad aq3 3o aajsueu •111 •1uautnl3sul'lilnoas stip jo pue a3oN 3113 30 Adoo auo uan12 aq (I11i3slamozlog •Xdo) yaeloaaog •LT •uoi3311 Sue a)1111 03 uotl112ggo ,sue 1riO1p!M uopazostp x305 sang 11111 pIOM aq3 pug 'emit a3ie pue 'mid atl3 apnpui pug u11aul i1111(9 1113n2u19 ails ui spzoM (z) `zapua2 autu1u1a3 alp 3o Sp1oM zo spzoM 131nau Suipuodsalloo apnpui pu11 UE011 oils 10pua2 aullnOS11uI aq3 3o spzoM (J) :luauntpsui S31znoas stip 113 pasty sy •uoisinozd 2ut3o1i1u03 01(31notpim 30a33a uani2 aq 11110 I(OigM glom alp 103110u11I1191I A1un33S sup jo suoisTAOld 1x130 13333E Sou 1(111(5 I3LT3uoO ipns `Mg-1 obbs "1'b 736 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 transferred to a successor Loan Servicer(s) and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrumentor 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 defined in Environmental Law and (4) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or 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 Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (1) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge; (2) any 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 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 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 216434 -5 tago5) Page 12 of 15 Form 3051 3/99 66/£ 650£ waoJ 5l !o t e6ed (9088) (j)b9 C211) S17£179TZ (0O /170) OLLLAMITIAI luuuo&rn 3o smei uotldutaxa pealsautog alp 3o anlzrn Aiq pug zapun sag2u jje sanrem pug sasuaiaz zamozzog •saanlnM •1,Z mer ajggoiiddy zapun palliwzad st aaj all 3o 2uqzutp agl puepazapuaz saopuas io3 Slzgd pnq a of pied sl aaj agl Ii /quo lnq'luaumzlsul Allmon gm 2ulseaiaz zo3 aaj g zamoazog airy Amu zapuar slsoo uotlepzooaz Sur Sed ins zamozzog Iuauinzlsul AlTZnoas sup amp/ Ins zapuar luaumzlsui Allmon sup Sgpaznoas sums jig 3o luauiXgd uodn •asualag •£Z ;1 pall;ua Alan suosaad ao uosaad ag; o; ssaaxa Cu n (a) pug :;uauna ;sui Sganaas s!q3 Lq pampas stuns Hu o; (q) :saa3 ,skauao ;e a;quuoseaa 'o; pa ;hug ;ou ;nq 'gulpnpul 'ales aq; 3o sasuadxa ;g o; (e) :aapao 2ultogo3 aq; u1 pagdde aq ;;ggs is aq; 3o spaaaoad agj, •ales fug ;g ,f;aadoad aq; asegaand kern aaugtsap s ;1 ao aapuar °mgr alquallddy &q paglaasaad aauuew ag; ul Nos aq gegs S;aadoad ag; pun 'alas 3o aal;ou aq; gsllgnd limp aapuar •Sj uogaas u1 paptnoad aauueu ag; u[ aatoaaog o; alas aq; 3o aollou anl2 Hugs aapuar •Ater a;geal;ddv wit aauepaoaae ul ';uaaa33lp 3! 'L;aadoad aq; 3o uolssassod ul uosaad aq; o; pun aatoaaog o; asopaao3 0; ;ua ;u!Jo aal;ou an1O ;legs aapuar 'ales 3o aatod aq; saxoeul aapuaI 3I •aauaplea al ;l; 3o s;soa pun saa3 ,s,fauao ;3n a;gnuosuaa 'o; pa ;hull ;ou ;nq tulpnpul 'ZZ uot;aas slq; ul papinoad salpauaa aq; 2umsand ul paaanaul sasuadxa Ile papa o; pal ;l ;ua aq ;legs aapuar •tnr alquauddv Sq pa;;lwaad salpatuaa aaq ;o .fun pun ales 3o aatod aq; axone; £nut pun puewap aaq;an3 ;nog ;lm ;uawna ;sui Sganaas slg3 ,fq paanaas scans gm 3o Iln3 u1 luau fed a;nlpawul aambaa .dew not ;do sU ;e aapuar 'aa;;ou ag; u1 pajPads a;np aq; aaojaq ao uo paana Sou s; ;;ntgap ag; 31 'ales pun uo fgaa1aaae o; aatoaaog 3o asuapap aag ;o fun ao ;;nuJap g 3o aana ;sixa -uou ag ;;Jassy o; uol;au lama u 2ulaq o; ;Op aq; pug uoguaalaaau as ;3e a;msulaa o ;ggla aq; 3o aatoaaog waojul among ;legs aal;ou aqZ •if ;aadoad ag; 3o ales pun ;uawna ;sul Sganaas s1q; sq pumas suns aq; 3o uol;naapoan u;;;nsaa Sulu aal;ou aq; ul paglaads a;ep aq; aaopaq ao uo ;Intgap alp aana o; aanllg3 Iggl (p) putt :paana aq ;snuff ;;neJap aq; gatgt Ai 'aatoaa0g o; uaelg s1 aol;ou aq; a;ep aq; uoa3 %fep p£ until seal ;ou 'a;gp a (a) °';;nepap aq; aana o; paalnbaa uo;;ae aq; (q) :;1nuJap aq; (n) :Smaads ;lugs aal;ou aqZ •(as;taag ;o sapleoad Awl a;ggal ;ddyssa ;un gI uol ;aag aapun uol;gaa;aaau o; aolad ;ou ;nq) ;uawna ;sul Sganaas sag; ul ;uautaaagg ao ;ueuanoo fug 3o ganaaq matoaaog 2mtogo3 not ;gaapaan o; aolad aatoaaog o; aal;ou Hugs aapuar •salpawag :uol ;eaa1aa3V •ZZ :smojjo3 se aazfg pun lueuanoo zagpnjzapua 1 pug zamozzog •S1MVNUAODIAIUIO3INfl i 2. 9 'a' O 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 216434 -5 6A(WY) 19905) Page 14 of 15 JOSEPH C. NIELD r 73 (Seal) Borrower NIELD Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 3/99 661£ 650£ WJod 7.71T2 :811211M :ss SlunoD ujoou rl 5 L 1 L e ccx2zr ,Q f 6 :sazt (o66) (AM)V9- 5 bEb9TZ i170 (00 /b0) OLLLAMAN 0118fWA8V10N S3NOIANN3d Sc3Z'8I 19gwa3 as saJi(13 uoissamo3 w 8u!wdm 4 *aun W ela1S PPM uotss!tutuoJ SIN S3IM QNK QNVHSIIH QUIN NNA'I A DI QNV =IN 'D HdSSOL' kg 000Z egoiop 3o lisp g4I7 spp aui aiopq pa2paimomiau SUM auauzn4sut 2uIOSazoJ aqJ `OMIIIAi0AA A0 anus A portion of the NW1/4NW1/4 of Section 35, T32N, R119W, of the 6th P.M., Lincoln County, Wyoming being more particularly described as follows: BEGINNING at a P.K. Nail set at a point in the North line of said Section 35, said point being 1078.25 feet S89 °45'14 "E from the Witnessed Spike found marking the Northwest corner of said Section 35; thence S1 °39'37 "E 234.27 feet to an Iron Pipe set; thence West 143.31 feet to an Iron Pipe set; thence N0 °26' 10 "W 60.79 feet to an Iron Pipe set; thence N86 °54'09 "W 56.39 feet to an Iron Pipe set; thence N3 °42'22 "W 171.57 feet to a P.K. Nail set at a point in said North line of Section 35; thence S89 °44'14 "E, along said North line, 204.38 feet, to the Point of Beginning EXHIBIT "A" 74(: