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HomeMy WebLinkAbout86841610 66!£ 690£ woJ '91 uoiloaS ui paranoid osiu are luauinoop sun ui pasn spiOm JO agusn all gutp a ai satin utel.ia3 •1 puu OZ `8t `Et `II suonoas ui paugap are spiom .iallo pun mom paugap are luaumoop sill jo suoioas aidilinui ut pasn spiorn f ,,Z` arovd xa owitev., xOOg (13ALLO3 aSI Nn SSI2IJ 'N MIAMI Si „.iaeto.i.iog„ (g) luauinoop sigl of slap ?2I ttu glim .zagla2ol 000Z 'Ft zaqura;des palup st gonim luauinoop siitl suuaui ;uawiulsuI ,flunaaS„ (d) LiS0 1NBWf .LSNI IN O INf1 OWl WNd 9l61.!S OHIO' 30 rdss EHL JO smut all iapun 2uils!xa pun paziuugao u s! iapua7 ami O wai ao asveZ2iow1 UN/KOILItN si „aapua-T„ (3) ivaunulsul °flimo°S sup .iapun 102U51.1011.1 all Si Jamouog aDVD,L2IOIAI [Rpm 2uipaoaag Jog a ui'I spa anogy aaeds] 9 09 1.6ZL SW210d 30VOILIOW dWA S t to L 06ed Lo ('o(36) (AM)9• W 98Z88L SNOLLINIdaa 3tld 91��1�G1d j8 MU 33S a3 atIO as Ansa do 0'ss8 aI '141110L S ILi2 YH NvsnS :°Cg paredard TOO E8 ONINOXM °Mosxovr L8Vt XOS 'O'd- XYMa'dO2IS SSK3 0£Z ONI oHyaI 30 HOVOIHON 'IKNOISVN :o,� uinlag Tn /rTnrn Lender's address is 230 EAST BROADWAY -P.O. BOX 4487 JACKSON, WYOMING 83001 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated September 14, 2000 The Note states that Borrower owes Lender One Hundred Thirty -Five Thousand and 00 /100 Dollars (U.S. 135 000.00 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 (E) 'Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: 788286 42)-6 (WY) (9904)01 Adjustable Rate Rider Balloon Rider VA Rider Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] FNMA MTG. INS. RIDER (II) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" mean those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) 'Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) 'Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U. S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. Initi Form 3061 3/99 I CJ 20050 -02 24(C £0 rt•� 661E 1.90E W eipu� 98Z88L snll zo 010N otp iapun luaus Japua7 Sq pantaoal 1uau11uisul ]01410 ao xoago ICu13i `.JanannoH •Souauno •S 11 ui aputu oq hugs luaus is!I ,C1i.moaS s1141 pug 02oN a141 1apun anp s2uau Sud 'E uopoas of wenslnd srua"l Molosg .ro3 Spun3 ,Cud ow ]lugs zaM011Og 'mom 0111 iapun anp sa.rego aiul pug sa.rego 1uawSudaid ,Cue pue atoll paouap!A0 igop ail to Isamu! pile '3o ludioupd atil anp uoq t /Cud !lugs JOMO.uOg •sa2aug0 awl pug 'sa2aug3 1uaw&udaad 'swab nnoaasa ;saaaluI 'ludPulad 3o luawgud 1 :sMollo3 sg aa1Su pug lueuanoo lopuoi pug zannod10g "S.LNyN]AOD YARIOdINfl Suodozd !um &IUOnoo Iuaunuisul uuojnm u a1n3t1suo0 of uopolpsunf Sq suoi11!JBA mum! 1411M s;upuanoo uUOjUJn -uou pug osn luuopuu .1o3 sluuuosoo uuojnm sauigmoo SIH.L 'mow JO saouliqumoua Aug 01 ioofgns `spumtuap puu suin I[u• isulm5e kpadotd 0141 01 01111 0141 Iille.laua0' puO3ap IITM pm STU MM 10M0110g 'Rural 3O saoutuqumoua .103 1.d00X0 `pa.laqumouaun st ki.ladotd 0111 114141 pug Aiodold 0142 iCanuoo pug urei5 `9 1S110U1 01 11451I 0141 Sint puu poSanuoo ,Cgaioq alulsa 014130 pastas Slln s1 J0M01.10g Will SINYNgAOO 2Iak1O flIOH „.4mdoid„ 0111 su Iuaruruisu! SuJno0s Sup u1 01 pauoja.1 s1 0141 3O Hy •luaumllsul iiuznoas snit Sq palanoo aq osiu !legs suoiilppu pug sluauiooeida.z !!y •Suadoid 0141 3 Ind 1 ninon!! .10 ',sou samixij pug `saoueuaunddg `sivaulas1 o Ile puu `kpadord 0141 uo pop= .10131 JO MOU sluaul0AOIduli 0141 IIe HIIM IIHRLHOO,L [apo3 diz] 8 ZT £8 5unuoiCM [40] (100-ts] 3o ssaippe 0141 s114 iClluauno ioi14m S l to g abed o (rooss) (A A4)9- „ssazppy A11odoid 3idld'Ifi HAIiia iiHAI2i 3?iYNS TEE :1ogmnN QI pored 9TbL9L lia8TdflN SNZNOILLSMI Si £66T Z SKHZ OS JNIQiiOOOV 1SIM 8I aat∎Ti 214 'HL OM LE dIHSNMOS OE MOIZO3S 30 6/T LSIZILL 1OS NHS IQIHSIM HI3I&ZK 30 NMOL 3HL OS NOLLIQQti SMOQrdHK M3IA iIHAlii LE SOr1 [uogoIpsun f uipi000x jo aurem] [uogotpsunf Suiplooa)J 3o ad j NZOOMI'I JO A4unoo 0141 111 p0MOI ,Ci.ladoid pagtlosap 5uinnol1o3 a142 `ails jo 1amod 14I1M `salss1 pug siossaoons S lapuol pup Japua'I 01 ,Canuoo pue iu11S `0512uoul Scion!! saop 1amouog `asodtnd sup Jod •a1oN gip pug luatutulsuj *moos sup Japun s2uatuaazg1 puu sunuosoo S 10M0110 JO aouluuojiad oqi (q) puu `.0101 014130 suopuoijipotu pug suOisuaixa `sluMnauaa Ii1 pug `r uog a14i 30 luaul1iudaz 0141 (u) :.tapua'j of saznoas ivaunuisu! ,Ci1.m0as situ AlH d011d Hill NI SIHORI AO IIgdSNV ILL •ivawnlisu! SU1n0as sup Jo/ U mom 01411apun suotw qqo s,1annoxlog paulnsse Su!! Sired logs sou 10 10142agm `Spodoad 0112 01 01111 ua)iel Sul! 21112 died ,Cue Sneaul „aaMOaaog 30 lsaaalul ul aossao0ns„ (d) 1 1789 t-.q() OSC8416 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 t, where payable, the amounts 788286 ©-G(WY) (9904).01 Page 4 of 15 Initials: Form 3061 3199 (�l 20060 -04 248 90 661E 190£ wroJ s to s Bead to (voce) (Am19 rtarip 98Z88L alp 5UJLi3puapt 00pOU a JOMOJJ0 anti Anil 1apua1 luatunpsul ,ClunoaS sup .IOAO ACl!Jotld utepe Imo tronlm trail u o1 loafgns si Stradord ail jo lred /Cue rum sautmaa4ap aapuaJ 3I •luaurn.ilsul A1jlnoas sup or uatl 3 114 &urleutp1ogns lapua'l of A.roloejspes luauraaae ue mall ail jo Japloq a111 wag saunas (o) .10 `.papnpuoo an sSutpaaoo1d ions pun AUTO lnq `2utpuad ale s2ulpaaoo.rd asogl altgm mall ail 3o 1u01110oiojua 01 14 luanard 01 autiado uonndo s ,zapuag ut trotgm OuipaaooJd j of `ui map aill 3o luamao.rojua 4surau spuajap Jo `,Cq g1pj pool ut uatl ail slsa4uoo (q) `.4uamaar2u Irons tutu iopad st iamonog sm Suol os Aluo lnq `Japuo o4 alquldaoou .zauueur g ut matt 31 11 Sq pa.znoas uopaIrgo a 3o luaurAud ail of Sutlt1m u! saar& (g) :JOM011og ssalun luaurn.rlsul XlunoaS s1111 .13A0 ,ilt.uoud sett 110111m uatl Cue agretlostp AIiduroid pegs Jamouog u ui paptnord aauueur aq1 ut mail Seri HMIs zamo.1 OH `small mo.zosg a.1m smau as0111 lutrl lualxa 0114 o l ',Cue 3t `sluamssassy puu `saad `sang uolleioossy AltunururoD pue 'Am 3t `AUadold ail uo swat punot5 .10 sluam,Cud plogaseal `4uaurtu4sul Alunoas st11l _MAO ,Ciuotrd mum treo go114m Apado.rd ail of optimugtrllu suotltsodurt pue `saug `saamtro `sluamssassu tam ltu ,Cud pegs Jamollog *sum tsalrega •b •.rapua'1 sci plaq spund /Cur Jamollog of punjai 1Clldtuoid pugs Japuafl `luamtu1sul *moos sup Sq paznoas stuns p 3o ITn3 ut 4uamAud uodfl *maw Aud AI111uom anlaml uutp aaoul ou ui inq `ydSgal gltm aourp1000u ut Soua!ogap ail do mill of £ressaoau lunoure alp Japua7 01 /Cud pegs aamo.uog pue 'ydsg?I Cq paunbal se 1amozlog IC3j1ou Heirs Japua' ydSg2I Japun patriot) se `mOJOSO ur p1 spund 3o ,Couatogap u Si amp Jr •s4uamiCed ,Clg4uon' anlaml uegl wow ou ut lnq `yaSg2l q4TM aotrepz000u ut aml.logs ail do aVm or £ressaoau lunoun 0111 Japuarl of ,Cud hugs .1amor.log puu `ydSg2I ,Cq partnbai se ]amoldog ,C311ou Timis iapua'1 `ydSa zapun paugap sm 'mono ui platl spund 3o a euogs u Si 0101413I 'vVdSa 1141tm aouup.z000e u1 spunj Ssaoxa 0141 Jo3.10At0JJog or 4un000u Hulls .Iapua' `ydsali .spun paugap su `mo1osa ui pla14 spund 3o swims m Si amp 3I 'VdS22I pantnbar sm spund a141 3o 5utum000u lunuuu uu 'amp lnogltm `.Iamouog o1 aAIg hugs iapuag *spund alp uo mud aq llmgs Isara4u! 1e141 `.ranamo14 &u111.1m ut aar& uuo Japua7 puu 10M0J10g 'spund a114 uo Outurea Jo 4S010lu1 ,Cue 10M011013 ,Cud or partnbar aq 4ou hugs .Japuarl `spund ail uo pled aq of Isaralul sa.rmba.r mu•1 alquorlddy .10 $u14Um 111 apum s1 3uatuaal$e tre ssalun *a2.rego u tpns alum or Japuafl s4ttulad mm7 algmotlddy puu spund alp uo 4sa.ta4u1 Jamonog s,fed iapua'l ssalun `saran marosg 0141 2u!i(jpan Jo lun000u mo.losa alp utziCluue AIlunutre `spund 0141 5u!Alddu pug utploi Jo3 aamol1og aamtlo 1ou llu11S zapua'I •ydsa .lapun pagpads au 3141 Limp Jam ou small MOIOSJ a144 /Cud of spund 3141 ,CTdde hugs Iapua'l *)luug umo-1 atuoH lu1apad Aug ur Jo (pa.lnsur os are slisodap asotlm uotln111su1 um Si 1apuarl J! `.lapua'J 5utpnput) Alllua Jo `(1tlu1u0u1m1sut `i(ouau Im.lapa3 u Aq palnsut are sltsodap aso11M uorin1l1sul ug u1 plag aq hugs spund 0141 •Al21 ajguoilddy 1111M °ouup.room ut astmratllo xo small mo.rasg a.min3 3o sa.mltpuadxa 3o saTmm1sa alquuosua.r pue ulup luann° 3o slsuq 3144 uo anp spund 3o lunoure ail 01um11s0 pulls 1apua' •ydS I .spun aJmbai Imo Japual e lunottre mnmixem alp 'nano o1 4ou (Z) puu ydSgu zapun pagto0ds aun4 a spung 0141 Clddm of iapuarl 1jm1ad of 1ua1T3ns (I) lunottre uu ut spund plo14 pue loallo0 'amp ,due 1e `Amur .iapua- uoloas si141 zapun paitnbar trail Ore 1u `s4unoure ions ul pre `spund ire .1apua' 01 C1d Bugs JamolJog `uot4eoonar Bons uodn `pue SI uo!oaS 11!M aouup1ooau ut uani2 aoilou u iq 01114 iiue 1u s111011 marosg Hu Jo AM 01 se .13AT/A 3 11 1 0310n01 Sum dapua7 'lunoure Irons fue Japua7 01 Aedai or 6 uoTloaS zapun pale2tlgo aq uagl pegs zamouog pue lunoure ions ,Cud pug 6 uojloaS ,spun s1Lj 1.1 s11 aslo1axa Sem Japua7 `Mall mo1osg ue .103 anp 1m10ure 0141 Aed of s1rej J3mouog pug `Jantem m o1 mens.md 'Appall') small mo1osg 1Cud of palu2tjgo s1 .13m0IZ0g Jr '6 uotloaS u1 pasn si „4uamaaAu puu 4umuanoo„ aseatld 0141 se `luamtulsul iC4j.lnoaS sup u1 pautuluoo 1u0m001 0 pue ltreuanoo e aq 01 pamaap aq sasodlnd ttu io3 Hugs s4dtaoar apinoid o1 pue sluam,Ced Irons a)luur or uope5'tlgo s,Jamo.uog °annbar Sum 1apuaj su pouad atu14 Irons Limpet 3uam1Cud trolls 3upuaptna sldlaoal .lapua •1 or gsruIn3 hugs `sa.ltnbar iapua'13i `pug Japuai ,Cq panlem uaaq sag spund 3o 4uamXud 11o111m Jo3 small monsg ,Cum Jo3 anp 0&_i bS41 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 Instrume et her or not then due, with 788286 -6(WY) (9904)01 Page 8 of 15 250 lnitia Form 3061 3199 (C91 20050 -06 LO 661E 190£ uucd elillui S L JO L ()Bed LO(4068) (AAA)9•Wip 98Z88L ajq uosuai 2u!Sud pun 00 ur 2uueaddE (z) luaunulsuj ,illmoas sup iano JCluoud seg gartim uaq U iq paanoas sums ,iue ut,fed (j) `o1 paw!' lou am 1nq `apnjour ugo suorlou s,iapuarj •&lladoid 0n 5ttutndal .io/puu 2uunoas puu `,Cl1odold am Jo awn. urssassU .to/puu Surloaloid 2urpnpur luolinllsuj ,ilr.inoos slip .Iapun sup.' pun lipadold all ur 1s01alut s ,Uapua -j loalold o1 aupdoidde JO ajgi uosuai SI 10A01?gM .IO3 SUd pug op Sum .Iapuaj uagl `SUadold a11l pauopunqu 5111 UaMOU1og JO `(suolliinSal Jo SMUT 001OJUO 01 10 1U01U1UlSUl SWIMS srgl Jam) iluoud umpu iE111 gor11M 'tali u jo luoui001ojuo .Ioj `ainlrajioj .io uo .Ioj `alugoid `Soldna5iunq ur 5urpaaooid u pons) luamngsul Slrino0s sup Iapun .Io/pue Spadoid 0141 111 Isamu!! s,Japuarj 1oajJu Sinm0grats 1gR1u 111th 2utp0a0o1d u sr atom (Z) luauln.Ilsuj *moos sup U1 pOUII luoo slu0uraaaU pue slunuanoo ag1 uuojlad of sjnj JOMOJJOg (I) 3l ;uatutu ;sui ,f;unaas x111; aapujl gift; putt Xpadoad 0111 111 ;5000 ;ttj s,aapun 30 uor ;aa;oad •6 •aouaprsai jt drouud s,ioMoaiog sr SpadoJd alp Jo Soui dn000 s1oMoiiog 2uiuiaouoo suorluluasaadai `o1 palruilj lou am inq `apnpur suorinluasaidai IUraalUj�I Uuo7 0141 glint 110110au1100 ul (uor1UUI103Ur T!UO1rm IJUM 1apua7 aprnoid of palm,' Jo) Iapua-1 0l Sluaura1ulS JO uorluuuoJtn aN1n00UUr 10 `Wurpuajsnu 'Ogg /Curia r u an12 111051100 10 apaJMOtnj s ,IaM011og 111IM 10 IaMOUIOg Jo uorloalip alit 111 gurl0u SOI111UO 10 suosiad Sur 10 Iam0Iog `ssaooid uopu0rjddu uuo-j 0141 Wuunp `Jr 1jnujap ur aq jp qs IOMOIIOg •UOi ;nallddV uuo' s,aantoaaog •8 •asneo ajq uosi of pons &111 jroods uorloadsur Ioualur 111 pons 01 Ioud JO JO 011114 01111 a0t10u IOMOI IOg 04 Hulls Iapuo l •,CUadoid aql uo S1uatuanoIdutt am Jo 101101ur am loads!! 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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 sec i this Security Instrument, 788286 Initials Page 8 of 15 Form 3061 3/99 ®6(WY) (9904) 01 20050 -08 or s0 0900Z 661E 190C W s 1 5urOrs -oo sr 1 -o0 1 al0 0111 alnoaxa 3013 soo In luaurnllstr A3rinoa sun stars-oo rot O N P g I S .I su oqM 1aM011og Atm `IanaMOH 'pangs pue lutof oq Hugs Arruqull put suogarigo s,iaMOiiog rap soar& put S3UeUOAO0 igM0II0g •punog sutissV puff saossaaans :s.Laudis -o3 :A1t3igufl 3laanas pue rum. 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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 No conflicts with Applicable 788286 CD•6(WY) (9904)01 Page 10 of 15 Initial 11 2 f•' Form 3061 3/99 20050 -10 11. 661E 1.90£ m sIeiRu 9 L la I. e6ed to(Vo6e) (AM)9 mutt Imapa3 iq paltglgoxd st aspiaxa qons 31 xapua-I Cq paslaiaxa aq 1ou hugs uolldo sup `xanamog tuatutulsul ,ilunoas still iq painoas stuns Iiu jo IIn3 11 1 luaul,Cud a)elpatuun annbal Amu iapua7 luasuoo uallum xoud s,xapua7 lnogllm (panajsuexl xo plos s1 J0M011og ut'salalut Ietogauaq u pue uosiad ttuxnleu a 1ou s1 Jamoxxog 31 xo) paxxajsuexl xo plos si ,il.zadold all 11t 1s0101u1 Sur io Alladoid a41 3o Ind Au xo Ire 3I •xasugoind u o1 amp awn u 111 JOMOJ O ,Cq 01111 JO x03s11mu1 s1 pupa jo luolut 041 `luatuaaxfe MOJOS0 JO puiluoo sates 1uauillelsui `poop Io3 pe11uoo `poop xo3 puoq e ui paixajsuex) s)saxalul po13auaq asogl `01 pailtutl 1011 Inq iutpnpul uodoxd 042 ul'salalut Iuiogauaq 10 ION ,iue sueotu „Stiodoid agI 111 Isalalul„ `g[ uotloas sup ut pasn sd •aamoaaog ul ;saaa ;ui tupgOuag u JO Spadoad alp 3o aajsuuas •gj luatulu)sul ,ilunoas sup jo puu a1oN am JO ,idoo auo uan1O' aq Iings lamoxl0g •,Cdo3 s,aaMoaaog *LT •11011011 ,Ctm glut of uo11e51Igo SuE 1no4ltm uopaxosip altos san1O' ,Cuu1„ PIOM 041 pue 'ESJOA aotn puu tumid agl apnpul puu maw pugs lein5u1s 041 ut spiom (z) '10pua5 autuuna3 all 3o sp10m JO splom xalnau 2utpuodsaxxoo apnlout puu maw netts lapua' aullnosetu alp 3o spiom (I) :luaulnllsul dnlnoas sup 111 pasn sy 'uotstnoid V1111o1I3u00 014111101.1UM 10010 u0/45 aq 11110 lotlm OToN am 10 1u0u1n11SUI 4x1100s 51111 3o su01sInoid x0410 ;003311 1011 II IS 2 0 43 1100 lions `marl 98Z88L VdSal uot1eu11oJut x0410 puu °pain aq pinogs sluauT,Cud go14m o1 ssaxppn 041 `.1001AJOS treo-I ma11 04I 3o ssaippe puu aureu a141 aline 'pm 14o114M 051111140 all 30 0011011 u011um uant5 aq IIpm IOMOIiog `x0oin1as ut?o7 all 30 021111140 a s1 amp 3I •atoN alp jo ales u 01 palettaxun =Inns uuoi 01130 saguulo 010111 JO auo aq lg2nu ow alma •Mu-i aiquoilddv pue `1uat11nT)sul ,Clunoas sup `01oN 0ll lapun suo11a11go 5u1otnzas mot 02110x0111 Impo suuojxad puu 111aUmx1sUl Alunoas sup pm a1oN all xapun arm s1u0u1,Ced otp sloai1oo imp xaotnlas ueo'I„ all su umou)1) ,Llllua all 111 amp u 111 llnsai 11a1tu ales d 'JP/410110g of 009011 xoud lnogltm satutl 010111 JO auo pttos aq two (luamtutsutt *moos sill gltm 104lao1) aloN am. 111 Isamu! 'wind a JO NON 0 4 1 •aauunalaI 3o aagolsl taaalnaas 111101 Jo Amu ta;oN 3o al 'OZ •141 =pas xapun uotleial0ooe 30 aseo all 111 ,Cldde 1ou pugs 011?1sUtax of 11511 sill `I0AOMol-I •ponn000 putt uotlelalaoou 011 31 se an11o033a Atln3 11)1111101 hags fgaiO4 pampas su0tlallgo pue luatutulsul *moos s1141 `Iamolxog iq Iu0ulatutsulai uod[I •Iajsuexy spun,d oIuo11oalg (p) xo A tlua .to /llulu0u1n11sul 'Swage W.10 130J u iq pa.msut axe sltsodap asoIM uo4nitlsm uu uodn uuexp s1 raw lops ,fue papinoxd 'loop s,ialgseo xo ratio s,lainseaxl `Vttoalo )Itreq 'raw pat311lo° (o) 'xapxo ,Cauow (q) too (e) :Iapua -1 ,Cq props su `su11o3 5'utmoil03 all 3o WOW JO auo 111 sasuadxa puu sums luatua)ulsulai dons ,Cud I0M0110g 11111 aimbai ,Guru xapua•I •paWt uloun =mum netts luau1n11sul *moos si11 iq painoas sums a ,Cud o1 uojlailgo s ,10M0110g pue `luaurtu1sul i(411100S sill lapun slq�tx puu ,Ci1odold all ut lsatalu1 s,xapuoq lull axnssu 01 axinbai ,Clquuoseax Amu Iapua-I se 11011011 lions smut (p) puu 'l11atu1ulsul ,Clunoas sup xapun slOi1 pun ,C1.iadoxd 0141 ut Isaxalu! s,xapua7 uUoaloxd jo asodxnd all 103 p011nou1 saa3 Ia4lo puu `soot uOtlnnluA pun uoi)oadsul ,CI.Tadoid 'sap ,s,Coulolle attgnuoseal `01 palnutl 1011 lnq `Sutpnloul luawnxlsul *moos s141 Wuio1ojua u1 paunoul sasuadxa Itte s,iud (o) 'sluaumaiSe io sluuuanoo 10 ,Cue 30 llnejap ,Cue saxno (q) 'pautt000 put 1101le10laooe ou 31 su 01oN 014 put; luatunllsutt *moos s111 xap11n anp aq pinom 110 14otgm sums 1111 xapu07 s,Ced (u) :Iamollog term 0111 suo111puoo aso41 lua11Ttulsul *moos s111 5'utolojua 1u0tuVpnf a 30 ,CIIuo (111) JO `.01u1s11t01 014 115 s,xamoxlog 3o uoiluunuJal all x03 jtoads 1Oitu Mel algeollddy se pow(' x0410 Ions (11) 'luauzn.11su1 *moos sup ut p0ute)uoo alas JO JOMOd ,11111 0) luensxnd ,ivadoxd al) 3o ales axojaq s,fep an13 (1) :jo 1saTllua all 01 Ioud au111 ,iue 11 panulluoostp luaunulsui ,Cf 1noas sill 3o )u0u10o1oju0 anal 01 14 11 all mutt Mutts J0moxlog `suotnpuoo 11te)Iao maw x0Moxl0g 314 •uo4eaalaa0y as ;3w a)e;sUlag o; Wm s,aaMoaaog 61 •J0M011og uo pueulap JO 0011011 1ag11n3 lnogltm luatunilsul ,ilunoos sill ,Cq pal)nulad salpatual Aug aS lonul ,Caw xapuarl `pouad sill 3o uopeitdxa all 01 Ioud stuns mom ,iud o1 s11u3 10M0110 314 •1uau1TUlsul *mops s111 ,Cq p01no0s sums nu ,Cud 15n111 Jamoi10g 14o14m ui411m S i uoiloas tII1m 0011ep1000e 111 =AO' s1 0011011 041 01ep all 11013 s,Cep O£ ue<l1 ssatt 101130 pouad e apinoxd MILS 0011011 04.1, "u0i1u101000U JO 0011011 Jomoux0g 04 Netts xapua7 tondo still sastolaxa iapua7 3I -66,9R0 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. 788286 Cip®6(WY) (9904).01 Page 12 of 15 256 Form 3061 3199 20050 -12 I. L C Z GG •90£ wJo S l 1 C l 06ed [o (bo66) (AM)9 98Z88L 5uuuo,frn jo smut uoildwaxa puaisauioq aql jo anlin iq puu iapun sigSii Ire SOATBM pus sasuaia.z zannouog •saaniuM 'bZ muZ aiquoiiddy Japun pallnuaad si aaj alp jo 2uigiego aql puu pazapuai saoinias .io3 Spud piig; u of mud s! aa3 agl3i iliuo lnq luauuulsul *moos sup 2uisuapa .io3 aaj u Jamouog amp ,isiu .iapual •slsoo uoilsp.iooai Sus /cud Hugs iamonog •luawnalsul ,lliinaas snit asuaia.J Hugs iapuaZ `luawn.zlsul ilt.znoos siiil Sq pampas scans Hu jo luaw,lsd uodn •asraiap '£Z ;1 0; pat ;r ;ua ,Hulot suosaad ao uosaad alp 0; ssaaxa Sur (a) puu :;uawna ;sul Spanaas situ Aq paanaas scans Hu o; (q) tsaa3 4 sSauao; ;g aigiuosraa 'o; pa;Ilup uou unq '2uipniaui 'airs alp jo sasuadxa iir o; (g) :Japan Suinnoiio3 aqu u1 paT1ddr aq pugs airs aq; jo spaaaoad aq j, 'airs slur ;r Spadoad aq; asrtaand Sum aauaisap s ;I ao aapuarl *mu aiqua11ddy Sq pagpasaad aauuuw aq; ui pios aq Hugs Sj.zadoad at!' pur 'airs jo aapou at; gsiignd hugs aapua7 •sj uoi;aas u1 papinoad aauurw ag; u► Jannoaaop o; airs aq; jo aal;ou an12 pugs aapua-1 n+rZ aigiagddv quiet aaurpaoaar uI ';uaaa33ip 31 ',l;aadoid aq; jo uoissassod u1 uosaad ag; o; puu aan►oaaog o; asopaao3 03 maw! 3o aal;ou an12 ergs aapuarl 'airs 3o aan+od 0q3 samonui aapua7 3l •aauapina aft; Jo s;soa puu saaj ,sSauaofu aigruosuaa '03 pa ;Iwli uou unq %uipnpui 'ZZ uoi ;aas sitl u1 paAinoad saipawaa ag; 2uinsand ui paaanaui sasuadxa IIr ;aapoa o; pal;i;ua aq pugs aapuai nnrrl aiquaiiddy Sq pa; ;lwaad saipawaa Jaq ;o fur pur airs jo aamod ag; anonui Sulu pug purluap aaq;Jn3 ;noq;Im ;uawna;sul ,lamas slg; £q pins suns pr 3 ❑n3 u1 ;uaw,frd a ;gipawwl aalnbai Sulu uoildo s;i ;g aapuarl 'aal;ou alp ui pa131aads amp aq; aaopaq ao uo palm uou s1 ling3ap at; 3I •ai1S pur uol ;raaiaaar o; aamoaaog 3o asua;ap aag ;o fur ao ;inrjap 3o asua sixa -uou aq; 11355U o; uoilar JJnoa r 2uuq o; 101.1 ag; pug uopraaiaaar Ja ;r a;u;sulaa o ;q;31a aq; Jo aaMoJaog uuoJui [tugs aailou aqj •,f;.iadoad ag; jo airs pur uuawna;sul S ;ianaas situ ,fq pains suns ail; jo u0i;gaaiaaau ui ;insaa Sulu aai;ou aq; u1 pal iaads amp at; aaopaq ao uo uingpap aqu aana 01 aanilg3 ;gq; (p) pug :Nana aq usnw ;ingjap aq; galgsn Aq 'aaAtoaaog o; uaniN s1 aal;ou aq; amp aq; woa3 sIlgp p£ imp ssai uou 'amp r (a) ;in1Pap aq; aana o; pannbaa uol;ar at; (q) :;inu ap ag; (r) :Sjiads pugs aal;ou ats •(asin+aaq ;o sapinoad nngZ aiqual1ddy ssaiun gi; uopaas Japun uol ;uaapaar ou aoud IOU ;nq) ;uawna ;sul ,f ;ianaas situ u1 ;uawaaa2r ao ;uguanoa ,fur 3o gagaaq s,JanMoaaog 2ulnn0iiO3 uol;raaiaaar o; aoitl aaMOJJOg o; aal;ou anti hugs aapua'l •sa!Pawag :uopraaiaaaV 'ZZ :smopo3 su aa.i& puu luuuanoa .iaglan3 iapua7 puu zamolog 'SINVNHAO0 ARIOdINIl-NON OG.Y i8 1 b 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: 788286 6(WY) (9804).01 Page 14 of 15 \t (Seal) KEVIN M. GRIES Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3061 3/99 (�l 20060 -14 258 i 91. l 661E 490E WJod :ss Slunoj og19nd XirLoN uogay S L Jo 9l 068d L (6066) AM)9-%Top 98Z88L C0 /Z-1/6 :sazidxg uoissuunuoj c SaI2ie Yd MIA �q ooQZ aequiagdas go AEp un.yj am a.zojaq pa paiMoulau sum luauuulsui 5uioVazoj aq j `9 IIL1IOAM JO MINIS MORTGAGE INSURANCE RIDER This Mortgage Insurance Rider is made this 14th day of September, 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned "Borrower to secure Borrower' s [identify type of note, e.g. fixed rate] note (the "Note to NATIONAL MORTGAGE OF IDAHO, INC. described in the Security Instrument and located at: 331 SNAKE RIVER DRIVE, ALPINE, WYOMING 83128 [Property Address] The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at the lower right corner that is earlier than 3/99): Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower' s payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's 788286 Multistate Mortgage Insurance Ride ngle Family- Fannie Mae Uniform Instrument 1 1 R (0004) Form 0 Page 1 of 3 Initials. VMP MORTGAGE FORMS (800)52 291 "Lender of the same date and covering the Property IV 20744 -01 Ii i zo-stLoz OM 081.E WiO :s�eq C oza6ed •uo!irutuUal ao uoilripaut !pus jo augj aq1 lr pauanaun aaant Imp stun!waad aauuansuI a2r2laoi,J ,fur jo punjaa u an1a3aa o; ao /pun ',f1Lnaiintuolnr palru!uua; aauuansuI a2n2poy& aql anrq 01 'aauuansuI a2alaoy, aq; jo uoilripaura uplgo puu lsanbaa of 'saansopsip umaaa anpaaa 01 30u aq3 apnpu► Srtu sigap asagi, Atr1 aaglo ,fur ao 8661 Jo lay uoilaa;oad saaun%oatuog aql aapun aauuansui an2jaoy4 aql 01 laadsaa glint fur set' aantoaaog slg2p aq3 pajji jou !pm s;uamaaatn gans Suy •punjaa fur o; aantoaaog a1lt;ua jou !pm ,fag1 pun 'aauuansuI a2r2jam ao; anto !lint aantoaaog }unotur aq3 asnaaau! jou Him sivatuaadr !pus •uroZ aq3 3o stuaal aaglo ,fun ao 'aauuansui a2i toyj aoj Sud of paaaan sr!! aantoaaog jug; slunotur alp pang jou mm sivauWaaau gans Sul/ (ti000) a1. vacs, 98Z88L (g) v) :,zatpin,3 „•aotreinsuiaz ant3deo„ patu.ial uaijo st luatuaguaui 3111 `iajnsui ag1 o1 mud sumiuioid 3111 jo anm a zoj auetioxa u! Ng! s,zaznsui alp Jo a 1 qS u sa)Jel 1apuol Jo alutl1J1 ue Mil sapinozd luatuaa1 lions dl •sassoj 2uionpai Jo `xsia oss 6 By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and supp ments the urity Instrument. KEVIN M. GRIES (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 788286 -11 R (0004) (Seal) (Seal) Borrower Borrower Page 3 of 3 Form 3160 4100 r�9 2C2 20744 -03