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0868337
(D) "Lender" is OLD KENT MORTGAGE COMPANY
Lender is a MICHIGAN CORPORATION
organized and existing under the laws of THE STATE OF MICHIGAN
Lender's address is 7310 NORTH 16TH STREET, SUITE 300
PHOENIX, AZ 85020
(E) "Note" means the promissory note signed by Borrower and dated September 8, 2000
The Note states that Borrower owes Lender SIXTY -ONE THOUSAND EIGHT HUNDRED FIFTY
and NO /100 Dollars
(U.S. 61, 850.00 plus interest. Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later than October 1, 2030
(F) "Property" means the property that is described below under the heading "Transfer of Rights in the
Property."
(G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges
due under the Note, and all sums due under this Security Instrument, plus interest.
(H) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following
riders are to be executed by Borrower [check box as applicable]:
n Adjustable Rate Rider n Condominium Rider 0 Second Home Rider
n Balloon Rider n Planned Unit Development Rider 1 1 1-4 Family Rider
El VA Rider Biweekly Payment Rider Other(s) [specify]
MORTGAGE INSURANCE RIDER
(I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealable judicial opinions.
(J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller
machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
transfers.
(L) "Escrow Items" mean those items that are described in Section 3.
(M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i)
damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the
Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the
value and/or condition of the Property.
(N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
the Loan.
(0) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the
Note, plus (2) any amounts under Section 3 of this Security Instrument.
(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard
to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage
loan" under RESPA.
4:11) -6AtwV) (9905) 106a02wy.0899 Page 2 of 15
028
35265033 11945000]
Form 3051 3/99
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of pue :AJado1d aqI pas pun asopaao3 oI Ig;IIi agI 'oI pallwll Iou Inq 'Sulpnpul 'slsaaalul asogl jo IIe Jo
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app Oaf ,quo sploq Sggyg Ieq) SaaJ;IE pue spuelsaapun JaMoaaog „•iCliadoid„ aqI se IUawnJIsUI AIIJnuas
SIgI ul oI paHJajai sl 2uloSaaoJ aqI Jo !Iv •IuaumJlsul SIlJnaaS sit!) ,Cq paaan0a aq osle pegs suoplppe
pue sluawaDEldaI lId •4i doad aqI 3o IJEd E Ja13Eaaaq Jo Mou swum pue `sauuEUa)Jndde 'sluawasea
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0968337
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments
due under the Note and this Security Instrument be made in one or more of the following forms, as
selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or
cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a
federal agency, instrumentality, or entity or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 15.
Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are
insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient
to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such
payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the
time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then
Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower
makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of
time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds
will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No
offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower
from making payments due under the Note and this Security Instrument or performing the covenants and
agreements secured by this Security Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest
due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments
shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts
shall be applied first to late charges, second to any other amounts due under this Security Instrument, and
then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and
the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received
from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be
paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or
more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall
be applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due
for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a
lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c)
premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance
premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow
Items." At origination or at any time during the term of the Loan, Lender may require that Community
Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and
assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's
obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be
in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts
-6A(WY) (9905) 106a04wy.0899 Page 4 of 15
;IA5265033 [1945000]
Initial
030
Form 3051 3/99
66/£ LSO£ Iwoj
I0009P6LI ££O99ZS£
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sSulpaaaoad gans ;pun ,Cleo lnq lulpuad aJE sSulpaaaoJd asogl alltM uall atl 3o luauaaa03ua agl luanaad
of aleaado uoluldo s,Japua•I uI galgM sSulpaaaoad Iaal 'uI uall aqa jo luamaaaoJua ;sum& spuajap JO ',Cq
gjnj poo8 uI mil aq; slsaluoa (q) :luauaaJSu gans Wuluao3Jad sT JaM0J1011 sE Suol 0s Smo lnq 'Japua'I Ol
algeldaaae Jauugm a ul uall am £q paanaas uopeSggo agl jo ;uauAud aq; Ol 2uMJM uI saai8e (e) :Jamomog
ssalun luamnJlsul ,CIIJnaas situ JaAO tfj seq IIaIgM uaq Aug a8JEgaslp t(pdmoid Mugs JaMOJJOg
uopaaS Uf pap!AOJd JaUUEw 13131 ui uagl ,fed IIEyS JOMOJJOg 'Small MOJaSa ate swan asagl lug) mama am
oy •,CuE 3l 'sluamssassv pue 'saad 'sang uopepossd S lunmuoD pue ',Sue 3I '4z do1d aq; uo sluai punoa2
Jo sluauAd plogaseal luamnalsul Simms situ Jam) Allao1Jd ulem uea galgM Amdahl agl of algeing3Jlle
suoolsodul pue 'saug 'sa2Jutp `sluaussasse 'saxel Iie Sd Hugs JaMOJJOg •suan :sa8JEga •j
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Juno= aql Japua'I Ol /fed Hugs JaMOJJOg pue ddsgg q paJlnbaJ SE JaMOJJOg /C3Aou IIEgs Japuaq
'VdSg2I Japun paugap se 'MoJasg uI play spend 3o Sauapgap a sI agog; J; •sluaui,CEd iflgluou anlaMl
uigl aim oU uI lnq 'yam gum aaUEp1033E ul a8e3JOgs aq; dn wpm of SJUSSaaau ;unwire aql Japua'I
of Sd )legs JaMOJJOg pue 'ddsgg Act paJlnbaJ sE JaM0JJ011 ,C3pou )legs JapUa'I `VdS32I Japun pauuap se
'MOJasa UI plaq spend 3o a2elaogs a sl wag; 3I •f/dSg2I gIIM aauepaoaae ul spunj ssaaxa agl Jo3 JaMOJJOg
0l ;moan Hugs JapuaZ ddsgg Japun paugap se 'MOJasa uI Nag spend 3o swans a sl aaagl 3I
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maim; leg) 'Janamoq 'Swim UI aaJ8E UEa JapUa'I puE JaMOJJOg 'spund 3133 uo S2uluJea Jo lsaaalul Sue
JaMOJJOg /Cud of paJlnbaJ aq l011 )legs Japua'I 'spund aq; uo pled aq of lsaaalul saalnbaa ME'; algEallddd Jo
SuppM UI ovum st luauaaJ2u ue ssalun •aSiega E gans 3)3EU of Japua'l wand Meg algEallddd pue spund
alp 110 lsaaalul JaMOJJOg shd Japua'I ssalun `small MoJasg aq; 2Ul,C33Jan 10 'lunoaaE MoJasg alp 8ulz,Cleue
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of JapuaZ ))egad Ol lualal33ns (I) ;mom ue uI spund ploy pue laall0a 'auto ,Cue le 'Sum Japua'I
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gans ,Cue Japua'I Ol ,fudaJ of 6 uopaaS Japun pale8llgo aq uatl IIEgs JaMOJJOg pue lunoue gans ,Cud pue
6 uollaas Japun slg8I1 sll asl3JaXa huh Japua'I 'call MoJasg 1111 Jo3 anp lunoue aq; Sled Ol slle3 JOMOJJOg
puE 'JaAIEM E Ol )UEfSJnd `,fllaaJlp small MoJasg ICEd Ol, palualjg0 SI JOMOJJOg 3I •6 uo aI pasn sI
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`saalnbaz Japua'I 3l 'puE JapuaZ Sq paAIEM mac; seq spund 30 luau,Ced galgM Jo3 small MoJasg Cue Jo3 anp
OS68337 032
lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or
more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or
reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended coverage," and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be maintained in the amounts (including deductible levels) and for the periods that
Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of
the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's
right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone
determination, certification and tracking services or (2) a one -time charge for flood zone determination and
certification services and subsequent charges each time remappings or similar changes occur which
reasonably might affect such determination or certification. Borrower shall also be responsible for the
payment of any fees imposed by the Federal Emergency Management Agency in connection with the
review of any flood zone determination resulting from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower
acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of
insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest
at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as
mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal
certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender,
for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
shall name Lender as mortgagee and /or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall
be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken
promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any
interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by
Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance
proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with
411+ -6A(WY) (9905)
106a06wy.0899 Page 6 of 15
Initials:
(jC
35265033 [19450001
Form 3051 3/99
661£ 1.S0£ wwod SL fo L abed
nlui
[0009t6L] ££O99ZS£
6680
(5066) (AM)v9
a1geuoseal SulSed (E) pug ')anon u► 2ulieadde (z) ')uawnJ)sur Slanaas sty; JOAO ,Gpnpd seq gapim
uan e ,Cq,pain s sums ,Cue ;Iul,fed (I) 'o) paa)w)) mu ale )nq 'apnpul uea suolpe s,lapual 'Spada'," aq)
Su)1)edal Jo /pue Su)Jnaas pug 'Spada'," aq) 3o amen a4) Suissasse Jo /pug 5up3apold 2uipnpu; 'puawnl)sui
Swims sltp Japun pue Spada'," aqp ui )sala)u) s,aapuari pa)old o; a)epdoadde 10 a)geuoseal
s) Jana)egM l03 iced pue op Sem lapua•i uagp 'Spada'," aq) pauopuege seq JaMoJJog (E) JO (suope)n2a1
JO SMe) a3JOjua O) JO itmun J)sui ,fp)maas sly) JOAO XlIJOlJd u)ep)e ,Cew (p qM uaf e 3o )uawaalojua
Jo3 'asn)]a31o3 10 uopeuwapuoa 1o3 'a)egoad `,Ca)dn.n)ueq ui Suipaaaoid a se q3ns) )uawnisui ,Cv'naas slip
Japun s)q;ip Jo /pue Spada'," aqi ui "swam! s,lapuai 13333E ,Cpueai31ug)s ig2iur imp 5ulpaaaoJd ie8ai e s)
aJaq) (Z) 'JUawnl)SUJ Animas Sly) U) pauie)UO3 S)Uawaa& pue S)UEU3AOa atp UIJ03Jad o) sile3 JaMO1JOg (0
Jr ;uaucnl;sui Animas slq; Japun sulk' pue SpadoJd aq; ul ;saga ;ui s,Japun 3o uopaa;oJd •6
•aauaplsai iedpupd s,JaMo1Jog se Spada',"
aq) jo buedn33o s,JaMOJ1og Su1ula3uo3 suopepuasaadax 'o) pa)]m]i jou am pig 'apnpu) suope)uasaldal
"miaow •ueo' alp t))M uopaauuoa ul (uopewloJu) )epa)ew q))M aapua-1 apinoad op paile3 Jo)
Japuari o) s)uawa)e)s Jo uopeUUO3u) apelnaaeu) Jo '9u) 'asp ,f)le)1a)ew ane5 )uasuoa 10 apa]MOtnI
S,JaMOJJOg q))M JO 10M0110g JO uopaalip aq) )e SUpae sallow 10 suosiad /BUR JO JaMoJJog 'ssaaold
uopealidde ueori aq) 2u)1np '3] ))neJap u) aq "legs JaMoJJog •uope31lddd ueo7 s,JaMOJJOg •6
•asnea aigeuoseal pus SulSjpads uo)padsu) loua)w ue gans o) Joud J0 3o amp ay) )e aapou JaMOalog
a/48 ]legs 1apuari •,C)aadoad aq) uo s)uamanoldwl aqp jo 10)13)111 aq) padsul Sem Japual 'asnea aigeuoseal
seq p] 3i 'Spada'," aq) jo suopaadsu) pug uodn Sa)J)ua aigeuoseai ahem Sem )wage s)] JO Japua7
•UOpe1o)Sa. 10 JiedaJ tans
jo uopaidwoa aq) 103 uopeS)igo s,JaMOJaog 3o pana))aJ )OU SI aaM0110) 'Spada'," aq) 310)S31 10 4edal o)
)uapt33ns )ou ale spaaaoad uopeuwapuoa JO aaueJnsu! aq) 3I •pa)aidw0a s) >1JoM aq) se s)umuSed ssa12old
3o sa)las a u) 10 )uaw,Ced aiSu)s a ui uopglo)sai pue sJledai aq) 1o3 spaaaoad asangs)p Sem lapua•i •sasodand
gans ao3 spaaaoad pasea)al seq Japua- 3i ,ciuo Spada'," alp 2U)1o)s01 JO Su)J)eda1 Jo3 a)gisuodsal aq ]legs
JBMOJJOg 'Spada'," aq) '3o Hupp) a4) 10 'o) aRewep g)IM uopaauuoa u) pied 01e spaaaoad uopeuwapuoa
10 aaueJnsu) 31 •aSewep Jo UOpeJ0i1a)ap Jaq)1n3 plot o) pa2emep 3! Spada'," alp aledal Apdmoid
)legs JaMO11og 'aiq)sea3 Sfea)wouoaa 1011 si U092101933 Jo 1ped3J )e4) g uolpas o) )uenslnd pau)m1a)ap
si p] ssaiun •uop)puoa s)i o) anp amen U) 2uiseaaaap Jo Supel0)aa)ap wan Spada'," aq) )uanald o) 1apa0
111 Spada'," ay) uie)u)ew legs JaMoJJog 'Spada'," aqp U) Swim' s) laMOJJOg jou JO Jaq ;aqM Spada',"
aq) uo a)seM Hamm 10 3)1110113)ap o) Spada'," at) M0))e 'Spada'," a4) J)edui) JO °heumep ',C01)Sap
mu ))1149 J3MOJJOg •suopaadsui :,C ;JadoJd alp 3o U0133 ;oJd pue aaueua ;uley%i 'uopenaasaad •L
•)01)1103 S,JaM01JOg puo/faq 3111 4a)4M )sixa saaue)SUIn31)3
Supenua)xa ssaiun JO 'piaggp)M ,C)geuosealun aq you um 3U3SUO3 ga)4M '8up)JM U) 93332E 3S)M1311)0
1apuai ssaiun ',fauednaao 3o amp aq) Ja)3e JeaA 3110 )sea) )e 103 aauap)sa1 )edpuild s,lamoIJOg se ,C)ladoad
34) ,Cdnaao o) anu fUO31legs pue )uamnJ)sui ,fp)lnaas s)g) 3o uopnaaxa 34) 33)311 s,Cep ,f)x)s u)q)4M aauap)sa1
iedpupd mammon se Spada'," a4) asn pue 'gsi)ge)sa ',Cdnaao netts JaM0110H ',Cauedn330 •9
•anp ualp jou 10 Jaq)a4M ')uawnl)suI ,CplJnaas s1 to a)oN 34) lapun p)edun S)UnoUIe iced o)
10 Spada'," al) a10)Saa Jo J)edaa o) Jaq))3 spaaaoad aaueJnsu) al) asn ,Cuw Japual •,c)Jadoad aq) 3o a2eaanoa
aq) o) a)gea))dde 31e s ;y8)1 tans Se 1ejosu) 'Spada'," a4) Su)laAOa sa)a))od aaueJnsu) ))e aapun (Jamming
,Cq pied swn)wald paUJeaun 3o pun3aa Sue O) 148)1 al) ueg) 134)0) 9)4811 S,1amo1JOg 3o 1aq)o Sue (z)
pug ')UawnJ)suI ,f)lanaas spy) Jo a)oN alp Japun p)edUn S)unowe 34) 1333x3 0) )ou mom ue u) spaaaoad
aaueJnsu) ,Cue o) 9)42)1 S,JaMO11og (1) 1apua1 o) sU8isse Along aaM011og 'as)M1aq)o 10 ZZ UopaaS
Japun ,C)JadOJd at) sa1)nbae 1311131 3i so 'Juana lagpla u) •uan)2 S) aapou a4) ua4M ul8aq )))M poilad
Aep aqJ •11)11)3 a4) aims pue 0)epo8au ,few Japaarl 11341 'm)ep a ap)as o) plop' set 10111ea a3ue1nsu)
alp peg) lapuai wag aapou a o) s,Cep OE 'wink puodsai 3011 saop Jamming 31 •913))ew p3)e)31 pug w)ep
aaueansuI menu/kg ,Cue ap)as pug apepo8au 'am ,Cew Japua1 'Spada'," a4) SUOpUege JaMOJ1og 31
Z UopaaS
u) Jo3 pap)noJd aapa0 alp u) pa))dde aq netts spaaaoad 331111.1110) 4 S Jamming o) pled 'he 3) '9933x3 34)
C
83
attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to,
entering the Property to make repairs, change locks, replace or board up doors and windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all
actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the
lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless
Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate
mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not
available, Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these
payments as a non -refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be
non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be
required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss
reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires)
provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires
separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide a non -refundable loss reserve, until the Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and
Lender providing for such termination or until termination is required by Applicable Law. Nothing in this
Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been completed to
Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the
repairs and restoration in a single disbursement or in a series of progress payments as the work is
completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such
Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such
Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would
be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
6A(WY) (9905) 106a08wy.0899 Page 8 of 15
Initials:
034
35265033 [1945000]
Form 3051 3/99
661£ 190£ uuoj
1 0 11 1u1
t
91, Jo 6 abed 6680'M60E901
(5o66) (AM)V9 Nij 1
[000Sb6L1 E£0S9ZSE
slgl 2uluEIs -o3 sI (e) „JauSis -oa„ e) aJoN aqa aanaaxa jou swop )nq )uawnmul Aalanaas s!q sugIs -oa
oqM JannoJaog SUe 'JanaMoH •IeJanas pug Iulofaq Keys d)Illgell pue suopeS1Igo s,Jann0azog Ieq) saawde pue
s)Ueuanoa aaMo1JOg •punog su2lssd pue saossaaans :sJau2Is -oo !Xml uil IeJanas pue aulof '£I
•Spawau JO 301.1 due jo aspaaxa ayI apnpaad
Jo jo JanleM e aq Iou Ilegs 'anp um!) unowe aq) ueya ssal s)unowg ul _to aaMOaaog 3O )saaaiul tit saossaaans
ao sallow 'suosaad p woad s)uatuded jo aaue)daaae s,aapuar 'uope)lwll mown 'Rulpnlaul dpawaa
Jo )q2p due ;Iu spiaxa Ul Japua'I tCq aaueJeagaoj dud •JaMOJJOg jo paaa)U! ul saossaaans dug JO laMOJJOg
4eul5po aq) dq apew pump ,Cue jo uoseaa Xq )uawni)sul')pnaas slgi dq paanaas scans alp jo uopezpaowg
dllpow asInuat)o 10 ivawCed Joj awl) puma o) asnpaa o) Jo JammJJOg jo salami uI Jossaaans due
)sup &e sSulpaaaoad aauatutuoa o) paalnbaa aq Iou Heys Japuarl •JaMo1JOg jo )saaa)ul uI saossaaans Aug Jo
JaMOJaog jo d)I[Igel( aq) amp.' 01 a)eaado Iou Heys JaMOJaog jo )saaa)uI ul Jossaaans Aug Jo JaMOJJOg 0)
aapuaZ Xq pa)ueJ8 )uawna)suI d)l1naas sly) dq paanaas stuns ay) jo uopgzpaowe Jo uopealllpow Jo )uawded
JOJ awp aq) 3o uolsua)xg •Janium, U iom JapuaZ dg aaueleagao3 :pasealag JON JOMOJJOg
•Z uopaas ul JOJ papinoad Japao ay) uI palldde
aq Heys d)aadoid ay) jo Jledaa a0 aOPEJO)saJ o) palldde )ou an Iey) spaaaoad snoauellaasilAl lid
•aapuaZ 0) pled aq hags pue pauSisse ,Cgaaaq aJg
d)Jadoad ayi ul )saaa)ul s,Japua1 jo )uawaledwl ay) o) alge)ngla))e an my saSetuep ao3 wlgp Jo pew due
jo spaaaoad aqj •)uawna)sul d)Iinaas sly) aapun s)gSIJ J0 C)Jadom ay) ul paaa)ul s,Japuaj,lo )uaw.q dwl
IeIJa)ew Jaq)o Jo R)aadoad aq) jo aan)lajaoj sapnpaad ')uaw2pnf s,Japua7 ul ')eq) Sullni e y)lM passltuslp
aq o) gulpaaaoad Jo uopae aq) Sulsnea dq '61 uopaas ul papinoad se a)e)sulaa 'palanaa0 set! uopeaajaaae
31 'pug )4n1Jap a tans aana ma Jawing •)uatunJ)sul d)lanaas sly) aapun s)q;lla s0 diaadoad ay) ul paaa)ul
s,aapuai jo )uawaledwl lelaa)ew aat)o J0 C)aado1d ay) 3O aan)1aja0j Ur )Insaa pima 'ivaw2pnf s,Japua'
uI let) unSaq sl 'IEUIw!Ja Jo IIAt Jag)agM `2ulpaaaoad Jo uopae Cu e 11 )4ngjap u! aq Ilegs JaMOJJ0
•spaaaoad snoaue14aaslyAl co) pae;la!
uI uopae 30 )12IJ a set JaMOaaog wogM )sule &e Stied at) 10 spaaaoad snoaUeJaaslw JaMOaaog sam0 Imp
Sped pwlq) aq) sueaw And Sulsoddp„ •anp ua p Iou Jo aaq)agM ')uawna)sul d)lanaas sly) dq paanaas stuns
ay) o) Jo diaado1d at) jo aledaa 10 uopeao)saa co) aaq)la spaaaoad snoauellaasllN ayI C4dde pue mom o)
pazpoq)ne sI aapuaZ 'uanI2 sl aapuu aq) a)ep at) Jape sdep p£ uly)lM Japua•l o) puodsai o) sow Jamoaaog
'sawn!) aoj wlgp g aplas o) paeMe ire m4etu o) saajjo (aaua)uas Ixau ay) uI pauuap se) Aped 8ulsoddp
ay) )eII JaM0JJ0g oI sapuai Cq aapou Ja)3e '11 Jo 'JaM0JJ0g dq pauopuege sI d)Jad0ad ow 3I
•anp uaq) aJe stuns ayI um Jo Jay)agM IuawnJlsul ,CfJnaas slgl Xq paanaas
suns aq) O) palldde aq Heys spaaaoJd snoaue14aasIIAI ay 'Summit uI aa1;ie as!MJa)o JapuaZ pug Jannoaaog
ssalun 'amen ul sso4 Jo 'uo[)anJ)sap 'Sun) pond aq) aaojaq Sla)elpawwl paanaas suns aq) jo Iunowe
at) ugq) ssal sI amen ul sso4 Jo uopana)sap 'Rupp) lepaed ayI aaojaq dla)elpawul d)aadoad ay) jo amen
)a)IJew a4e3 aq) tal1M uI d)aado.d aq) jo amen ul sso4 Jo uopanJlsap 'Buhl¢) IgpJed a Jo Juana ay) ul
•aamo1JOg 0) pled aq Ilggs aaugp q dud amen uI sso4 10 'UOpanJ)sap 'Sum IgpJed ay) aaojaq dja)elpatuuq
d)JadoJd ay) 3o amen )ar4Jgw Jle3 aq) (q) Xq PaPIAIP amen ul sso4 10 'uopanJlsap ';IuRE) pond
aq) a1Ojaq d)a)elpawtul pampas suns alp 3o Iunowe pm alp (e) :uopaea3 SuIM0110J ay) dq paidA4ntu
spaaaoad snoauellaasm aq) 3o 'mum ay) dq pampa aq Heys )uawnJisul d)lanaas sly) dq patinas
stuns am `Rupl1M ul aaa;le as1MJaq)o aapuarl pue aamoaaog ssalun `amen U) 5504 Jo uopanJlsap 'gup4e)
piped ay) aamaq d4a)glpatutul )uawna)sul dilanaas sill Xq paanaas stuns ay) ,lo Iunowe ay) uutl Ja)eaiS
JO 0) 4enba sI amen ul sso4 Jo 'uopanJlsap lup4e) lepaed alp aaojaq Sla)elpawwl d)aadoad ay) 3o awn
)a)4Jeu alej aqI talgM uI ,Claadoid ay) Jo amen u4 sso4 JO 'uopanJlsap 'SuF4e) lepaed u jo Iuana ay) uj
•JaMOJJOg o) pled 'Aug JI 'ssaaxa at1
y)IM 'anp uayl )0U Jo Jat)a(M 'IuawnJlsul d(anaas sop Cq pumas scans at) o) palldde aq Heys spaaaoJd
snoaue14aaslyAI ay) 'd)ladoad ay) 3o amen UI sso4 Jo 'uopanJlsap '2up4g) Imo) a 3o Juana ay) Ul
•Z uopaas ul J0j papinoad Japao ay) uI palldde
aq Heys spaaaoJd snoaueHaaspni tans •aaMoaaog o) pled 'due .11 'ssaaxa ay) y)IM `anp uay) um Jo aay)al%
O i i833t7
Security Instrument only to mortgage, grant and convey the co -signer's interest in the Property under the
terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security
Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or
make any accommodations with regard to the terms of this Security Instrument or the Note without the
co -signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain
all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in
writing. The covenants and agreements of this Security Instrument shall bind (except as provided in
Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees.
In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific
fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge
fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so
that the interest or other loan charges collected or to be collected in connection with the Loan exceed the
permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted
limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal
owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note) Borrower's acceptance of any such refund made by
direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out
of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument
must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to
have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's
notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers
unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address
unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly
notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's
change of address, then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any
notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address
stated herein unless Lender has designated another address by notice to Borrower. Any notice in
connection with this Security Instrument shall not be deemed to have been given to Lender until actually
received by Lender. If any notice required by this Security Instrument is also required under Applicable
Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security
Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All rights and
obligations contained In this Security Instrument are subject to any requirements and limitations of
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
036
5265033 [1945000]
Initia
.6A(WY) (9905) 106alOwy.0899 Page 10 of 15 Form 3051 3/99
ais\4'S
66/C I.SO£ WJod
nitil
IOOOSi'6l] ££099Z
VdSgJJ uonetuaojul Jay ;o Cu e pue spew aq pings s ;uawhd gaTgM o; ssaappe aq1 'Jaalnaas ueo'I Mau
aq; jo ssaJppe pug aweu a4; a3E3S IoM y3IgM a2uuna ag; jo aanou Ua131JM uaAl2 aq HIM JaMOJJOg 'Ja3)nJas
UEo'i aq1 jo amp e sl amp 3i 'a1ON aqi jo ales e o) pa;etaiun Ja3)nlas ueoi aq1 jo sagugyo aa0tu JO auo
aq 342Itu os'e aaa4Z me-1 a'gEijddy pue ';uawnu ;sui ktinaas sl 'a3oN ay; Japun suone2i'go 2uppuas
ueol a2e2;aotu Jay;o stulojsad pue auawni sui iC3un3as sl pue 33oN am Japun anp s1Uawked 3)popad
wallop pegs „1a3)naas ueoZ„ aq; se uMou)l) A ;nua aq) ul a2uega a ul ;Insaa ;Am ales d 'aaMo.uog
o; 030ou Jo)Jd )nog1)M sawn aaow Jo auo p'os aq ue3 (;uawna3sul k)lnaas sun q)IM Jay3a2o3) moN ag;
ul 3saaa3u)'enaud e Jo a)oN aq j •aauenalJ9 JO aanoN :Jaa!Mas ueoZ Jo a2uego :a30N 3o is 'oz
•g' umpas Japun uoneaalaaag jo asea ay; u) Aldde
Sou Heys a ;E)SU J 0) 34211 sly; 'JanaMOH •paJJnaao pug uofEJala3ae ou 3I se anipajja A11n3 u)ewaJ
,(gang pampas suondligo pue ;uawn1;sui kpn3as sly; 'JaM01JOg Aq ;uawa;e;sulaJ uodn •JajsueJ,i, spund
aIu0J;aaig (p) 10 kpua Jo kfleluawnJ;sul 'A ua2e imp! e Rq paansui aJe s))sodap asoyM uonn;nsui ue
uodn UMeap s) raga tans Cue pap)Aoad '>)aa43 s,Ja)tsu3 Jo >jaaya s,Jaanseai; 'lamp xueq 'x3643 paUAaa3
(3) 'Japan Aauow (q) 'tse3 (e) :Japuai Aq papaias se 'swaoj 2uIMOAo3 ay; jo aaow .10 auo uI sasuadxa
pue stuns ;uawa ;elsupa vans iced Jamming ;eq; aiinbaz ,few aapua7 •pa2uegpun anunuo3 'legs ;uawn1 ;sui
Swims sly; Aq pampas swns aq; i(ed o; uone2Hgo s,JamonoH pue ;uawn.)su1 S3lan3as 5'43 Japun s ;ggp
pug d)JadoJd ay; u) 3saaa3u) S,aapua' mg) aansse o) as)nb3J Rlgeuoseaa few aapua1 se uo pe tans swig;
(p) pug :;uawnJ3suI £)IanaaS spy aapun sigSp pue ksadoid ay) u) 1saaa;U) s,Japual Bunn ;old jo asodind
at) Joj paJJn3u) saaa Ja4 ;o pue 'saaa uonenlen pug uopDadsui 4iadoad 'sag.; ,sicauJoue algeuoseai °0)
paging Sou 3nq '2u)pnpul '3uawnJ ;su1 S3)Jn3as slq; 2up1oJua u) paiinau) sasuadxa lje shd (a) :s;uawaaJ2e
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4 1 0
4Av
S L Jo e6ed 66801mI3e90I
(5066) (ANOyg
OS68337
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is
serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations
to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer(s) and are
not assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an
Individual litigant or the member of a class) that arises from the other party's actions pursuant to this
Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by
reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such
notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective action. If
Applicable Law provides a time period which must elapse before certain action can be taken, that time
period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and
opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to
Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (1) "Hazardous Substances" are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the
following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides
and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
(2) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that
relate to health, safety or environmental protection; (3) "Environmental Cleanup" includes any response
action, remedial action, or removal action, as defined in Environmental Law and (4) an "Environmental
Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental
Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (1) that is in violation of any Environmental
Law, (2) which creates an Environmental Condition or (3) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding
two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to
maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (1) any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge; (2) any
Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
release of any Hazardous Substance, and (3) any condition caused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified
by any governmental or regulatory authority, or any private party, that any removal or other remediation
of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.
(Sp- -6A(WY) (9905) 106a12wy.0899 Page 12 of 15
Initials 2 :)/'1
0 38
35265033 [1945000]
Form 3051 3/99
66 /E LSO£ WJOJ
(000St6L1 ££0S9ZSE
6C0
:SIB NI
S l to t 96ed
6680
(9066) (AM)y9
•8u;woIM jo smel uopdwaxa
pea;sawoq aq) jo an;J;n Aq pue aapun s;g8p Ile mink pue sasealaa aamoaaog •saanleM •fiz
me-; alge q ddy aapun pa ;luuaad s1 aaj ay; jo 8ul8aeg3
aq; pue paaapuaa saa;naas aoj Sped paly; a o pled sc aaj ay) j; ,Cluo ;nq ';uawna ;sul iC;linaas slq; Wulsealaa
aoj aaj a Jamming amp ICew aapua-i •s;soa uopepaoaaa Sue Aed ;seas aamoaaog ;uawna ;sui Slanaas
sly; asealaa Heys aapuaZ ')uawna)sui S)pnaas sly; Aq pains scans lie jo )uatu ed uodn •asealau 'EZ
;l o; pappua Sllegal suosaad JO uosaad ay;
o; ssaaxa Cue (3) pue :;uauma)sui S.;;anaas slq; £q pampas sums He o; (q) :saaj ,sSauao) ;e algeuoseaa
'o; mum Jou ;nq '8ulpnpu; 'ales ay; jo sasuadxa t;e o; (e) aapoo 8utmol ;oj aq; ut p31dde
aq Begs ales aq; jo spaaaoad aq •ales Cue ;e ,C;aadoad ay; asegaand few aau8;sap s;; JO aapua•i •me'
algeallddd Sq paglaasaad aauuew a p ul Nos aq ;;eqs Saadoad ay; pue 'ales jo aapou ay; gsi1gnd
Ilegs aapuaZ I uol ;aas u1 papinoad aauuecu ay; ut aamoaaog o; ales aq; jo aapou ael8 Hegs aapuaZ
•me•i a ;geafddd g ;lm aauepaoaae u; ';uaaajjtp jI ',C;aadoad aq; jo uo;ssassod u[ uosaad aq; o; pue
aamoaaog o; asopaaoj 0; ;ua ;u; jo aapou an18 Heys aapuaZ 'ales jo aamod aq; sapnu; aapuaZ 31
•aauap;na app jo s;s03 pue saaj ,sSauao) ;e algeuoseaa
'o; pa ;twin ;our ;nq '8u ;pnpu; 'ZZ uopaas sly; u; papinoad sa;paluaa aq) 8utnsand ut paaanau; sasuadxa
He paHoa o; pappua aq Heys aapuaZ •me7 algeat;ddd ,Cq pa);;waad satpawaa aaq ;o Aug pue ales
jo aamod aq; apnut Sou pue puewap aaq;anj ;noq;;m ;uauina;sui ,C;;anaas mg; iCq patinas stuns ;;e
jo Iinj tat ;uauuCed a ;e;pawuq aatnbaa Seui uopdo s ;t )e aapua•i 'aapou aq; u; pappads amp ay; aaojaq
ao uo paana 3011 s; )Inejap ay; 31 ales pue uopeaalaaae o; aamoaaog jo asuajap aaq ;o Sue ao ;lnejap e
jo aaua ;slxa -UOU ay; POSSE 03 uot;ae ;anon e Supq o; ;Op aq) pue uopeaalaaae as ;3e a;e ;sutaa o; map
ag; jo aamoaaog uuojui la Hugs aapou ag j; •,C;aadoad ay; jo ales pue ;uacuna ;sui *mass s;q;
(q paanaas sums aq) jo uopeaalaaae u; ;;nsaa Lem aapou ay; u; pagpads amp aq; aaojaq so uo )Inejap
aq; aana o; ammo leg; (p) pue :paana aq ;snm ;inejap ay) gatgm £q 'aamoaaog o; uant8 s[ aapou aq;
amp aq) tutu.; siCep pg ueq; ssa13011 'amp a (a) ;Inejap ay; aana o; paatnbaa uopae ay; (q) ;inejap ay;
(e) :4jpads Heys aapou ay i (aslmaa saptnoad me•i aige3Hddd ssatun 8 i uopaas aapun uopeaalaaae
(3; aoud ;ou )nq) ;uawna ;sui ,C;[anaas $1q) u[ )uawaaa2e ao ;ueuan03 ,Cue jo yaeaaq ;Jamming
8utmoiloj uopeaalaaae o; mid aamoaaog o; aapou an;8 Hugs aapuaZ •salpauiag :uopeaa;aaaV •ZZ
:smolloj se aaa2e pue ;ueuanoa aay;anj aapuaZ pue Jamming 'SINNNHA00 1Al2IOdINfl-NON
086833'7
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:
HAROLD D. ANDREWS
il
6A(WY) (ssos) 106a14wy.0899 Page 14 of 15
040
(Seal)
Borrower
(Seal)
DONNA M. ANDREWS Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
35265033 [1945000]
Form 3051 3/99
66/E LSOE wJ0 J
[00006L] EEO99ZS
TI0
smaziQNFl w vNNOQ u w smaua w a Q'Io wii /Cq
000Z 2sn2ny go App T aaopaq pa2pa[Moure seen )uaumaasu] 2uioSaaoj aqZ
:ss A unoO
N'IOONI1
S L S L abed
6680*LMSiE901
(9066) GlM]H9-
0 0 Z Z --78- sandx3 UO!SSIWW00 AV/
8UIW0AM r U1001111
1 ams �o klunoo
aggnd be;oN- 1 1 31 11iW Aiia>
E 00 Z asany :sai[dxauoiss►uImo3,CyN
`ONINIOAM 30 MINIS
Legal Description for
Harold D. Andrews and Donna M. Andrews
042
A portion of the W' /aNW 1 A of Section 35, T33N R119W of the 6th P.M., Lincoln County,
Wyoming being more particularly described as follows:
Beginning at the Northwest 1/16 Corner of said Section 35 and running S 0 °13' W, 54 feet to
a fence line;
thence West along said fence line and the westerly prolongation thereof, 231 feet;
thence N 0°13' E, 219 feet;
thence East 231 feet to the East line of said W INW I/
thence S 0 °13' W, along last said East line, 165.00 feet to the point of beginning.
II 011 0I 1
I0000 ££0S9ZS£
iClaadoad ag) 8uiaanoa pue alep awes aq) jo „aapuarl
CPO
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oo8o'IPIWI
wawnilsui wiopun aey11 aluuei-AIlwe4 9I61.49-Japla aaueansul e6e6uovv1 alelspinW
s,aaansui a8e8)aow aq) 8uijipow JO 8uRegs aoj a8uegaxa ui 'aaueansul a8e8)aoyq aoj suuaui,Ced
s,aamoaaog jo uol)aod a (se paziaapaeaega aq )g8iw ao) woa; aniaap )gq) slunowe (Si)aaaipui
JO Spaaai)) aniaaaa Sew '8uio2aaoj aq) jo Sue jo a)eiitjJe Aug JO Inua aag)o Cue 'aaansuiaa
Cue `aaansui aag)oue 'aloN aqa jo aasegaand Cue `aapual 's)uawaaa8e mall) jo )insaa a sv
(swniwaad aaueansul a8e8)aow woij pauie)go spunj apniaui Sew ga[gm) aigeiiene
aneq Sew Jamul a8e8iaow aq) )eg) spunj jo aaanos ,Cue 8uisn s)uatuSed ajew o) aaansui
a8e8iaow ag) aambaa Sew s)uawaaa8e asagj •s)uawaaa8e asaga o) (sallied ao) ,Caned aag)o aq)
pug aaansui a2eS)aow aql o) £io)aejsl)ps an leg) suoWpuoa pue SWIM uo aae sluawaaa8e magi,
•sassoi aanpaa ao 'Asia spy 'Wow 10 aaegs legl sawed imp giim sluawaaa8e ow! aa)ua Stew
pue 'awn o) awl) wag aaaoj ui aaueansui gaps lie uo Imo) aiagl aleniena saaansui a8e$)aow
•aaueansul a8e8)aoyyi
aq) o) Stied a )ou si aamoaaog •paaa8e se ueo' ag) Aedaa lou saop aamoaaog 3i maw Amu II
sassol uIE)aaa aoj (a)oN agi sasegaand rem Sum Cue ao) aapua7 sasangwiaa aaueansul a8e8)aoyq
(66/£ trey) aailaea si iegi aauaoa HMI aamoi alp )e amp waoj a seq ivawna)sui
SiianaaS alp 3I) 8 uoiiaas 10 Owl ao 66/£ 3o aauaoa )118)1 aamoi aq) )e amp two; g seq )uawna)sui
k)Ianaas aq) 3i) OI uolpas 3o pun alp )e &limoiio3 ag) 8uippe ,Cq papuawu si luawna)sui *man agi,
[ssaappy ,fuadoad]
111£8 AM 'N/111 1111.V 'i£i# 11 NOANVO SJi O1 L6y
:)e pa)eaoi pug )uawna)sui Auanaas alp ui pagpasap
ANVdI' IO0 HOVO1UI01H .LNDI G1
0) „a)oN„ aqI) aiou [a)ea pax 8 a 'a)ou jo adS) AJfluapi]
ILON g.LVU Q3XI I s,aamoaaog moos
of „aamoaaog pau8isaapun at!) iCq uani8 amp awes aq) jo („)uawna)sui Mtanaas„ at)) paaU ,C)ianaas
10 ')snas jo paau 'a8e8)aoy\i alp luawalddns pue puawe o) pump aq Ilegs pue o)ui pa)eaodaoaui si pug
000Z aagwaidas 30 Sep q)g Sp!) apew si aapig aaueansul a2e8)aoyq situ
L6ZL SWaOI 3J4(9121O01 d'JA
a�¢I1iul Jo I. 06ed
00/17 09L£ WJOj (17000) aL112
risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of
the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is
often termed "captive reinsurance." Further:
(A) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance, or any other terms of the Loan. Such agreements will not
increase the amount Borrower will owe for Mortgage Insurance, and they will not
entitle Borrower to any refund.
(B)
SD 11 R (0004)
Any such agreements will not affect the rights Borrower has if any with respect to
the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other
law. These rights may include the right to receive certain disclosures, to request and
obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance
terminated automatically, and /or to receive a refund of any Mortgage Insurance
premiums that were unearned at the time of such cancellation or termination.
1011r2.0800 Page 2 of 3
Initials:
044
35265033 [1945000]
Form 3160 4/00
00 /b 09L£ WJOJ
I0009b6Li EE0S9ZSE
10M01.109-
(MS)
10M01.10 0- JaMO111OE1-
(i (I
JaMOJJOa-
(IeaS)
.10M0110 g-
(ins) �'v/ y
C
(311 0
E 3 a E abed 0080'EJIIOi
JaMOJJOg-
(I
1OMOJJOg-
(I
(P000) a L L
M32I0NV 'IN VNNPU JaMOJJOg S 32I0NV 'U U102IVH
°IuauznJlsui Xtpnaas alp sluautaiddns
pue spuauce 1i Iegl saade pue tam aaueinsui aSeRIJow stip Wane JaM0JJOg 'Moiaq Suiudis /Cg