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868439
°xzaTO 4fluno0 uToouTZ aijl 3o spzooaz alp Jo LZ aged uo Moog uT OOOZ `17T aagmaldag papzooaz a8e8lzom u1:elzao 4e144 4o luam2paimouva alp loazzoo of sanzas sTtjy :gym 5- L58900PTOT- Z6T000T MINI 3Jdd lid �r>��IOO 1 X1 1 L'= t 6680 ROVOJLQOY Al 1.6zL tz9(008) swaoi 39V9flIO ■d dA 9t to t e6ed (9066) (AM)Vg -"VIfN 66/E 1.90£ 11 Sil3IN HIIM 1N3Wf I1SNI W2IOJINl 3L lHdNINN l IIwe3 916uigONIINOAM 'S2jaN1 (888) 'pal '9Z0Z I098II INN 'Will '9ZOZ XOg 'O'd 3o auogdajat pue ssaippe ue seq pue 'areNejaQ jo mMej am .apun 8upspxa pue pazpue8ro sp sum ;uauIna;sul ,ftpanaas spq; aapun aa8e81a0ui aq3 sp SHgj j 'su8psse pue siossaaans s,rapuai pue .apuai .io; aaup uou e se /flaps 8upae sI mg) UOIjeJOdroa ajeledas a sI S2 ai' 'auj 'suiajstfs uoperjsi8aH 3Iuo.pajg a8eStiow SI „S2jaw„ (0) 'juaumrjsuj *man spgj rapun ro8e8jroul gip 9 .0M0ri011 3,3IM QNY QNVESfH SMSHQAIK '14 limNOQ QNFi SM32IQNrd Q QZOWiH sp daMOi.IOg„ (g) •tuaulnaop slgj of srappH jje gum ragja2ot 000z '114 8 ZegiaeldeS pajep sp gapgM luatunl op sjgj sueaul „;uauma ;sul 3pan3aS„ (y) gj uopaas up pappnord osje ale juawn op spgj up pasn sproM JO a8esn aqt 8uppre$ar salmi upejaa3 'IZ pUe OZ '81 'El 'II `E suopaas up paupjap are vim ragjo pue Mojaq paugap are tuaumaop spit jo suopoas ajdpjnul up pasn sproM [ma HmpaoaaH Jog aun slgy aeogd aaedsj [00051f6T] EE099Z9E 'oN SNOI.LINI33Q ueori 9525 -02058 Td 'XIN3OHd 00E 31IIIS s332iss HS9T MUM OTEL ANEMINOD ZDVDs11ONN ZNH)I CIO 6 2 HDVd lid 7 lOOH I'3 C' 9070- 20961' IN 'saIdv2i QN`d2I9 'OZ XOE 'O'd NOIJxLNHNOOOQ IVNI3 NSSY XidWOO H0 SNai QUO -1 9 a ;.za$1 sggJ4 -%/7/7 t �r sv3-j3m ti° :Asj paiedard :01 uintaH 6 1 99 9 OS68337 0 G84,39 (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. (11) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Condominium Rider 1 !Second Home Rider Balloon Rider Planned Unit Development Rider 1-4 Family Rider VA Rider El Biweekly Payment Rider Other(s) [specify] MORTGAGE INSURANCE RIDER (1) "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. CD- -6A(WY) (9905) 106a02wy.0899 Page 2 of 15 „p 35265033 [19450001 Initialer 028 300 Form 3051 3/99 66/£ LSO£ w On) I000SI60 ££OS9ZS£ /,yip TOE :WW1 91. Jo E o6ed 6680' (9066) (AM)b9- •S1adold pal Supanoa )uauml)su! SIJnaas ulloJtun a a)n)psuoa o) uopaipspn[ Sq suopepen pa)IUIII q)IM s)ueuanoa uraojlun -uou pue asn Ieuopeu JOI sWeuanoa W1o34un sauiquzoa .LN3I f12LLSNII A,LRII1O3S SIH,L •pioaai Jo saauel Sue o) )aa('gns 'spueulap pue stump pm )su)e &e A)Jadold ow 0) app aq) )(puma puajap iIIM pue S)ueUJeM JaMOJJOg pa0aa1 JO saautiqumaua 1oj piano 'palaqumauaun sI ,f)1adold aq) )eq) pue aq) Aanu03 pue )ue12 'a8eS)low 0) )qRIJ aq) seq pue paiCanuoa Sgalaq a)e)sa aq) 3o pastas sI JaM011og )eqi SINVN3A00 N3MONNOg •)uaum.gsul ,f)pnaas slgi Haauea pue ;Iuiseapi '0) pa)Iwii )ou )nq '8uipnpul Japuai 3o pallnbal uopae Aug axE) 0) pue :A)1adold aq) pas pue asopaao3 0) piSp aq) 'o) pa)IuiII jou )nq 'Suipnpui `s)sala)u! asoq) 3o IIe 10 Cue aspiaxa o) 3112IJ aq) seq (su;Ilsse pue slossaaans s,lapua7 pue Japua-I 1oj aauiulou se) SN3IAI 'WO)sna Jo MR) q)IM �Cld um 0) JCaessaaau 3I )nq ')uaumi)suI *limas sIq) uI JaMO11og Aq paiue12 s)sala)ua aq) o) app IeSai ktuo sptoq SN3w )eg) saalile pue spue)slapun JaMOfog „Iladold„ aq) se )uacunl)suI S)Ilnaas sIq) uI o) paila;au sI 2uio;Ialo3 aq) 3o IId •)uatuni suI A)Ilnaas s)qi Rq polanoa aq osle pegs suomppe pue s)uaulaae)da1 •,f)Jadoid aq) Jo )Jed a 1a)3ealaq 10 Mou saln)xg pue `saaueua)lndde 's)uatuosea tie pue 'iCpadoid aq) uo pa)aala mijealaq so Mou s)uaulanoldull aq) Iie IUIM N3H1200,L („ssalppd M1adoJd Iapo3 diZ1 L L L£8 ;Iu)woiCM [9001 rnmenv I(aaa(s1 t E t# QVO2I MOXNYO S T4IOZ L6 D jo ssaJppe aq) seq Spuaiina gapim OOZTOOOZSE6T6£ZT :JaquinN GI Poled 3O32I H LUVd V MVP.' 'MTV QHHOKZSK OSSH3H sI NOIZdI OS3a TifH'I [uopP)ps(.m f 8u(piwaN 3o awe j1 Iuopp(ps(rn f 8u(pioaaj Jo ad Cy1 N''IOONI T JO xsxnOO aq) uI palm' S)1adold pagrsasap 8ujMoIIo3 aq) 'ales 30 JaMOd q)IM 'sHaNI 3o sugIsse pue slossaaans aq) o) pue (suSIsse pue slossaaans s,lapua7 pue Japuai Jo3 aaulul0u se ,Claios) Row o) SOAUO3 pue )ue1S 'a2e2)1oul Sgalaq saop JaMO11og 'asodind siq)Jog •a)oN aq) pue )uauml)suI' )Ilnaos slip Japan s)uawaa12e pue s)ueuanoa s,1aMO11og JO aaueullo,Ilad aq) (q) pue :a)0N aq) Jo suopeagipoul pue suo)suaixa 'slemauai ire pue 'ueo7 aq) Jo )uatuXedal aq) (g) :Japual o) swims )uaumgsul *man spa ADIadONd 311.E NI SIHOIH 3O 2I3.SNV LL •)uauml)suI A)Ilnaas siq)Jo/pug a )0N aq) Japun su0peSpgo S,J3M01J0g paumsse seq Sped )eq) )ou Jo Jaq)agM '4i dold aq) o) al!) uov) seq )eq) Sped Cu ,e small „aaMOlaog jo )saaa)uI uI aossaaans„ (j)) GrAiSINO OS68337 OSi8439 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 ,A5265033 [19450001 Initial (0- 6A(WY) (9905) 106a04wy.0899 Page 4 of 15 Form 3051 3/99 030 302 661E 150£ UJ03 100056611 EE0S9Z9t r 0 GI. JO S °Bed 6680' 50E90I (so66) (AM)v9 agt 2up(3Ituapl anpou e JaMOaaog ant2 ,few tapuaZ 'tuatunlisul Animas slit aano ,Ctltoyd mum uen yaEgM uall a ou pa[gns si ,Ctaadold aqu jo wed ,Cue teyt sautuuaaap aapuag 31 ,CitannaS slgl Ot nail alp Supeulptogns tapuaZ of ,Caopejspes tuawaaiSe ue uall aya jo taploq alp wot3 sainnas (n) so :papnpuon an s8ulpaanoad vans twin ,fluo tnq 'Sulpuad ale aulpaaaoad asogt allgM uall agt jo tuawauojua agt tuanaad of atetado uoluldo s,lapuag ul gnliM s2ulpaa3otd legal 'ul uall alp jo tuawaatolua tsulege spuajap JO ',cq tine.; pool tit mu alp sisatuon (q) :tuawaaa8e vans 2ulmaoplad sl JaMOltog se ¬ os ,fluo tug 'aapuarl of algetdanne aauuew a ui uall alt ,fq pampas uope2llgo alp jo tuaw,Ced alt of &uplpM tit saat &e (e) :JaMOalag ssajUn tuawnatsul Aulm3as slit aano &aitolad sett gnlgm 'mu SUR 081e1(3s0p ,Cpdwotd Netts Jamming uopnaS ui papinoad aauuew all tit watt iced Netts taMOttog 'swag Moansa ale swag asagt Imp tuatxa attt os Sue 3I 'stuawssassv pue 'saad 'sand uopepossv ,CtiunmmoD pue 3I ',Gtadotd alt uo stoat punot2 ao stuatu,Ced ployaseal 'tuawntisul Animas slit aano n41o1ld norm uen gatgm ,ptadotd aya ou ajgetnglalte suoplsodwl pue 'saug `saSiegn 'suuamssasse 'saxet Ile iced netts 13MOa10g •sualg :sa2leg3 •aapuag ,Cq play spund ,Cue JaMOatog of punjat Apdwoad netts tapuaZ `tuawnatsul ,Ciltnnas slit ,Cq pampas stuns He jo IIn3 tit tuam,fed uodn •stuaw,fed ,clg1uout anlaMt Uey1 aaow ou tit tnq 'VdSg i y)IM an tit ,Cnuapgap aya dn a3tem of £iessaaau tunowe aqt lapuag Ot ,fed pegs lamming pue ``daS$2I £q paalnbal se 1aM0a10g 4p0U Begs tapuaZ 'VdS32I aapun paugap se 'M013s3 tit plag spund 3O ,cnualnlJap E sl aaatt 3I •s ,Cjytuow anlaM) uegt aaow ou ul tnq 'yam gtuM anuepaonne tit a8etlogs aya dn ,f tessanau tunoute agt lapuag of iced pegs JaMOtaog pue ddsgg ,C paalnbal se JaMOanOg ,f3Aou ins lapuag 'VdS321 aapun paugap se 'mimosa ul Nag sound 3O a8etaogs a sl aaayt 3I •VdSg1l qulM anuepaonne UI spunj ssanxa aya ao3 JaM0laog of tunonne Netts lapuag `ddSall aapun paugap se 'MOtasa tit play spund jo snldtns a sl amp 3I ddSg2I sq paalnbal se spund aql jo SUpunonne tenuue ue 'alaeya inoyfM 'JaMOltog of ani0 Ileys aapuarl spund aya uo pled aq netts isata)Ul tegt `1anaMoq 'S'upl1M UI aa12e Uea aapuag pue a9M0110g 'spund alp uo s8ulutea 10 tsa.i ui ,Cue aaMOtlog iced of paalnbal aq pm Heys tapua' `spund agt uo pied aq of tsatalul satlnbaa Meg algenllddy to SilpliM tit apetu sl tuawam &e ue ssalun •a2tey3 a yaps alew of tapuaZ stlmlad Meg atgrailddy pue spund alp uo palm! Jamming s,Ced aapuag ssalun 'swag Moaasg agt Sul,fJ11an 10 'trnonne MOaasa ag1 Butz/Clem nilenuue 'spung ail 8ul,Cldde pue 8ulploq ao3 Jamming a2ley3 ton Ileys lapuag 'VdS32I aapun pagpads amp alp ueyt aatel ou small mama aq) iced of spund aya ,Cldde Heys tapuaZ 1lUeg ue01 mum leaapa,d ,foe tit 1O (paansul os ale silsodap asoyM uopnIltsUl ue si aapuag 3i `lapuag 2ulpnpui) hum ao `,filletuawnatsul ',fnua &e Ieaapa3 a ,Cq paansul aae silsodap asoyM uopnipsul ue ul play aq pegs spund j Meg algengddd gi3M aaUeploaae tit as3Maagto ao small Moaasg amyl 3o saanllpuadxa 3o satetupsa algeuoseaa pue etep tuatann 3o slseq alp uo anp spund 3o tunome aya atewpsa 1111135 tapuaZ •VdSg1l aapun aalnbal Uen aapual a motile wnwlxem alp paanxa 01 3011 (Z) pue ddS Dl aapun pagpads amp aya to spund aya ,(Idde of lapuag ilwaad 0t tuapllJns (I) tUnowe Ue ill sound ploy pue gallon 'amp he to ',few tapuaZ uopnaS slgt 1apun paalnbaa cram ate teyu 'surname inns ul pue 'spund Ile aapuag of ,Ced Netts 1aMOaaog 'uopenonaa inns uodn 'pue Si uo twit 0311ep1033e 11) Uanl2 anpou e ,Cq auto ,CUB tE small Molnsg HE .10 ,SUR 0) se tan11M aya a)lonat Sew tapuaZ •tunowe yens ,cue aapuag of ,Cedaa of 6 uopnaS aapun pate8tlgo aq uatu Ileys aaMoJJog pile lunoux gnus ,Ced pue 6 uopnaS aapun signll sal asplaxa hut aapuag `maul Molnsg UE ao3 anp tunome aq) iced ou sue,' taMOJJOH pue 'aanleM a of tuensand ',Cpnallp small mama iced Ot pate2llgo sl 1amomog 3I •6 uopnaS tit pasn sl urawaat &e pue tueuanon„ aselgd aq) se 'tuatunitsul ,Ctltnnas slit tit paulEIUO3 tuamaa &e pue tueranan a aq of pawaap aq sasodand 1111 ao3 pegs sidlanal apinold of pue stuaw,fed inns a>(etu 0t uope2llgo s,aaMOttog •aalnbaa hut aapuag se popad amp yens ulyt5M tuaw,fed inns Supuapina stdlanal aapuag of gsluln3 1111135 'sallnbat tapuaZ 3l `pue tapuaZ ,fq panieM uaaq sett sound 3o tuam fed 1131gM ao3 small mama he ao3 ant) USC8'13:j 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 C)- -6A(WV) (9905) 106a06 .0899 Page 6 of 15 Initials: G3 V 032 304 35265033 119450001 Form 3051 3/99 661£ L90£ wJOJ 100090611 ££09929£ 0E :CJ St 3 L efied 6680 (4066) (AM)v9 algeuoseaa Sur fed (E) pue 'moo uI gupeadde (Z) ';uatunl;sul pumas s4q; JOAO ,C ;tlo4ad sey yawn um; a Aq pampas sums Cue 2ulSed (I) 'o; pawn; mu RJR ;nq 'apnpu4 ue3 suo4pe s,Japuai •A;ladoJd ay; guinedaa loipue gu4Jnaas pue 'Jadold ay; 3o anon ay; guIssasse loipue gupaa ►old gu4Pnpu4 yuatunnsul 'C►►Jnaas sly; Japun spiSp pue Apadoad ay; ut ;sala;ut s,Japual ;amid o► a ►e!Jdoldde Jo a;geuoseai s; lava ►eyM Jo3 ,fed pue op Sew Japuai uag; ',f;ladold aq► pauopuege set JaMOJ1og (E) Jo (suope;ngal Jo SMe; a)JO3ua o► Jo ;0auml;sul A;llmas slq; Jan) iC ;41oi1d wile km 4314M um; e jo ;Uauta3JO3ua Jo3 'aln ;pajlo3 Jo uopeuutapuo3 1o3 'a;egold 'S3 ;dnaijueq 114 gujpaa3old a se vans) ;uatunnsul Mpnaas s4q; 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;13211 ay; trey; Imp) 5013211 S,13MOa10g 3 tat( ;0 Cue (z) pue 'Iu3UmI;sul MIJn3as sty; 10 3301 ay; Japun piedun 50111011111 ay; paa3xa o; 3011 ;mom 1111 113 spaaaold a3U111n5U4 Sue 0; S;ggp manning (I) lap11a-I 0; 5112455¢ ,Cgalaq JaMOJ1og 'as3MJay;O JO ZZ UO Japun Spada]," ay; 53/3/16311 1ap131 3I JO 'pima Jay;ia ul '1131132 si aapou ay; ua4M uigaq II3M pouad Aep 341 •wiep ay; ap ;as pue a ►11poga11 Sew Japual ua13► 'atop 11 ap ;as 0► pala33o sey 10411¢3 a3uelnsut ay; ;1113► aapual UtoJ3 a3p011 11 0; &Cup pE 1112 ;4M puodsai IOU 53013 JaMOalog j; 513;;¢111 pa ;¢pal pue trn1143 a3uelns114 a4ge;4ene Cue ap ►as 131111 a;11p0gau 'mu few Japuai 'S;Jadold ay; suopueg11 Jamming 3I •Z 11013335 ui 103 papinold Jam ay; 114 palldde aq Heys spaaaold a3u11JnsUI 43ns •1amo11Og o; pled 'Cue 3t '5533x3 ay; C34 OSC 83431 306 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, 1/11/- -6A(VVY) (9905) 106a08wy.0899 Page 8 of 15 Ini 35265033 [19450001 Form 3051 3/99 66/£ I.S0£ 111JO1 I000S6611 EE0S9ZSE St. JO 6 abed 6680' /W60e901 (9066) (AM)dg sjgi Supdis -on si (E) „JauaIs -oa„ E) aJON ay) a)naaxa )ou stop inq 1uautnmsui S {tints situ suSjs -oa oqM JaMOJJOg XUE 'JanaMOil •jEJaAOS pue )U!0[aq jj qs ,CifgETj pue suopeSujgo S,JaMO110g )Ey) saaJSE pue saueuanoa JaMO1JOg. •punog suSissd pug siossannns :saau2is -op :ijfgef jeaanas pue ;ujof 'ET •,Cpawal Jo )0i1 Cue jo asplaxa ag) apnpaad Jo jo JanieM E aq )ou iieys 'anp uay) )unoue ay) ueq) scat s)unowE ui Jo JaMOalog jo isalaiui ui siossaaans Jo sap 'suosiad pity wou3 s)uaudEd jo anue)danne s,Japual 'uope)iwf )nog)iM 'Sujpnpui Apawat Jo )0j1 Sue 8UjspJaxa Ui Japua'I tCq aauenaga03 e(uv •JaMOJaog JO )saia)ui uj siossaaans Sue Jo JaMOJJOg jeui2ilo apeui pump Cue jo uoseai ,Cq )uawnl)sui Su si Aq pamaas stuns aq) jo uopezi)JOUe A3upow asjMJaq)0 JO )uaw,Ced Joj awp puma o) asnjai 0) Jo aaM0J10g JO maim' Ui JossannnS /due mum auipaaaoJd aauauuuuoa o) pai nbal aq iou iieys Japua-i •JaMOJJoq 30 )saia)ui uj siossaaans Sue Jo JaMOJJOg jo /C)ifgeij aq) aseaia. o) a)E1ado jou iiEgs JaMOaaog jo )saIa)ui ui Jossaaans /SUE Jo JaMOJJOg O) Japuari Sq pa)ueJ5 auauuni)sui A)jannas sigi iCq patinas suns ay) 3o uojaezpiouue o uopeMJipow Jo juauuAed Jo3 amp ay) jo uoisua)xg •Janigj g 1oN Japua'I Sg aaueigagao3 ioN JOMOJ1011 •Zj z mums w ao3 papinoid Japio ay) ui paiidde aq iieys Spadold aq) jo medal Jo uopeto)Saa o) paiidde )ou aaE my) spaaaoad snoauejjans! yi iid •Japuai o) pied aq iieys pue pauSisse Agataq ale A)JadoJd ay) ui )saaa)uj s,Japuari jo )uauaiedui ay) o) aige)ngppe aaE my sa2euuep to3 uujep Jo p11Me �CuE 3o spaanotd aqy •)uauuna)sui /Commas spp Japun s)gSi1 iCjladoad ay) ui )sala)ui s,aapuai o )uammeduuj mum= 1aq)o 10 X)aadoad ay) 3o aaniajto3 sapnpald ')uawSpnf s,Japuari Ui ')FIJI Suiina E y)iM passiwsip aq o) Suipaanoad Jo mime ay &uisnea Aq '61 mums ui papinold se a)e)suiai 'paJJnnno seq uopVaajanne 3T 'pUE ijnejap E vans a1n3 tea taMOlaog •)uaunJ)suj ,Pitts si Japun s)ggj1 10 Spadoad ay) ui )sala)uj s,Japua7 3o )uawliedwi ieila)Ew Jay)o Jo A)1adold ay) Jo aJnga3JO3 ui )jnsal pjnon ')uauuSpn f s,aapual ui 'mg) unSaq si 'ietginpa Jo Hill 1ay)agM Iucpaaaold 10 uoppe Sue ji unepp ui aq iieys Jan/twang 'spaaaoad snoauEijaasgn; o) pJeSa1 Ui mime JO )g2u e sEq JaMOJJOg mown )Sum& Aped ay) JO Spaa3OJd Sn0aUEiiaaSI^i JaMOJJOg S)M0 )egi Sped paiq) ay) sueaw „Aped Sujsoddp„ 'anp uaq) mu Jo JaypyM ')uauufJ)sui ,Wilms siq) ,Cq pamaas sums ay o) Jo d()aadoid aqi 3o medal Jo Uoi)Eao)SaI o) Jay)ia spaaaold snoaueijansun; ay) *Ode pue maim o) pazjJOq)ne sj Japual 'tans su anpou ay) amp ay Ja)3e SACep pE ujq)jM Japua-i o) puodsai o) sjje3 aaM011og 'saSeuep Jo3 wjep e aims o) piRME ue avuu o) m33° (aauajuas ixau ay) ui pauuap se) titled Suisoddp ay) )FIJI JOMOJJOH 01 Japua•i tCq anpou Ja)3e `3j 10 '1aMOJ1og ,Cq pauopuEge si tC)Jadoid aq) 31 'anp uay) OR suns ay) mu Jo 1ag)agM glomming fl °nas spj Aq pamaas suns ay) o) paiidde aq iieys spaaaold snoaueijaasij^i ay) luppM Ui aaJSE aspmtagjo Japua-i pue JaMO11og ssajun 'amen Ui sag 10 'uopnnJ)sap 'SUpje) jellled ay) alojaq ,Cia)Eipawwi patinas suns ay) 30 punowe aq) ueq) ssaj sr amen ui ssoi Jo 'uopanisap 'Sum) jellied aqi alopaq tCia)eipawwi tC)Jadoad ay) jo amen )04Jew J[E3 alp ynigM uI S)JadoJd ay) o amen Uu SSOi 10 'uopnnl)sap 'Sum) jmpaed E 3o Juana aqi ui •JaMOlaog o) pied aq Heys anuejeq ,Cud 'aniEA ut ssoi Jo 'uollpnlmsap 'Supp iRj)1ed ag) alojaq tCia)Eipawui Ai1adoJd ay) o amen )axIEW 1je3 ay) (q) tCq pap)nip amen Ui ssoi Jo 'uopnnl)sap `Supje) jephld ay) alojaq tCia)Eipawui patinas stuns ay) Jo )unoue Imo) ay) (E) :uopnel3 SU!MOujo3 ay) Aq paijdpjnu spaaaold snoauejjansm ay) 3o )unowi ay) Xq paanpal aq Hugs )uawnl)sui S)ilnnas spy) Aq pamaas suns ay) 'Supj1M Ui aa1Se aS Maay)o aapuari put 1aMO11og ssaiUn 'amen Ui ssoi 10 'uo )nna)sap 'Stipp) piped ay) alojaq Aja)eipawwi )uawna)sui tC)imnaS siyi Aq paannas sums ay 3o )unowg ay) ueq) Ja)eaJS Jo o) jenba si amen ui ssoi 10 'uopnnJ)sap 'Sui>jm) jellied ay) aaopaq tCia)eipawui iC)1adold ay) Jo amen mjaew tiu3 ay) ga)gM ui tC)Jadotd ay) o amen it! sso( Jo 'uollnna)sap 'Stipp) piped E o Juana aqi uj •JaMOaaog o) pied 'tCue 3j 'ssaaxa ay) tight 'anp uaq) )ou Jo 1ayiagm ')uauni)sui *was sjg) Aq pamaas scans ay) o) paiidde aq jjegs spaaaold snoau1iia3sii^i aqi 'A)1adold ay) jo amen uj ssoi Jo 'uopnnl)sap 'Sump) pm) E 30 Juana ay) ui 'z mums uj 103 papjnotd 1ap10 ay) ui paiidde aq iieys spaaaoad snoauejjaasm gans •JaMO11og o) pied 'Sue 3j 'ssaaxa aqi gjjM 'anp uay) )oU Jo 1ay)ayM OStitik1 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 $A(WY) (9905) 106alOwy.0899 Page 10 or 15 036 308 5265033 [1945000] Form 3051 3/99 661£ LSO£ WJOJ 10009P6Lr EEO99Z 6O 4 1: 0 4\\PD /mum S L 1 L L abed 6680 (s066) (AM)y9--0 ydSd21 uoyetuaolut aag ;o Sue pue apew aq wogs s;uatuSed yargM 0a ssaappe ayi 'JaalnaaS ue0-i Mau ay; jo ssaappe pue auieu ag; ale ;s rum yaiyM antra atr; jo a3130U 110)3j1M uanr2 aq rum JOMOJJOg 'JaalnaaS ueol ay; to antra a sr wag; Jr •a1°N ay; to arm a o) pa)eraiun raainras ueo7 ay; jo sa2uega aaow JO auo aq igSiw ogre crag" me-r aigeaiiddy pue `;uawn.)sui Symms sly; 'a;oN at) aapun suoneSigo Sup;nras ueol aSeS;aoui Jaw swrolaad pue )uawn.nsui S ;irnaas spy pue a)oN aq; aapun anp s;uatuSed alpopad smarm ley) „raalnMaS ueoZ„ at) se umoug) S;yua aq; ur amp a ur ;lnsar ;ySiw aies y 'Jamming o) aanou mad 'nog ;it sawn crow Jo auo pros aq uea ;uawnr ;sui Sn1n3as sly; gym aay;aSo;) a)oN ay; ui ;sara;ui repied a .10 01°N ayy •aauenapo JO cal ;ON :raalnraS 11e01 JO aSuega :WON JO aJeS 'OZ 'gI uopaaS aapun uopeaa'aaae to asea ay; ui S1dde ;ou 'legs a;e)sutar o; ;yap sty; 'ranamof •parmaao peg uoneaaraaae ou 31 se anpaalla Siinl ulewaa Aets &rang parnaas suoi ;egtlgo pue ;uawn.)sui Surnaas spy 'Jamming Sy ;uawa;e;sutaJ uodn •aalsueJ1, spund aluoapaid (p) Jo Sipua JO S;'pe;uawna;su' laua &e reaapal e Sq parnsut are silsodap asoiM uopn;psul ue uodn uMeJp sr gawp tans Sue papinord 'gawp s,Jargsea ro raga s,rarnsear) 'pap gueq 'gawp paynaaa (a) 'aapro Sauow (q) 'ysea (e) :Japua7 Sq pa;aalas se 'sturol 2 Ll'Moll 0 l ay; jo aaow 10 a110 11! sasuadxa pue scans ;uawa)e)sutar tans Sed JaMOiJOg mg; arinbai Sew JapuaZ •paSueyaun anui;uoa lletrs ';11atunJ ;sui S)1Jn°aS sty; Sq pumas scans ay; Sed 0; uopeStrgo s,aamoJJ0g pue ';uawn4sui S;tanaas sty; aapun s;gSp pue Spadoid ay; ut ;sanity s,Japual mg; aansse o; annbaI Srgeuoseai Sew rapuai se uoyae trans swig; (p) pue ;uawniisui Symms spy aapun sigS1r pue S)aadoad ay; 111 ;swa ;ui s,aapua7 Sun °a;oad to asodind ay; Jol paamaur saal ratio pue 'saal uonenien pue uopaadsut Siradord 'saal ,sSauro;)e argeuoseaa `o; pa;tw'l )011 ;nq 'Su'pnpui ')uawnaisui SyanaaS spy Supaolua u1 paaanaul sasuadxa lie sSed (a) :s ;uatuaaiSe JO s)ueuanoa aay;o Sue jo )Inepap Sue scam (q) :paarnaao peg uopeaaraaae ou Jr se a10N ay; pue ;uatun1;sui Silrnaas sty) aapun anp aq plumy uay; yaiyM scans lie Japuari scud (e) :JaMouog )eg; are suonipuO3 asogj ')uawnr ;sui SUanaaS sty; Suprolua ;uawSpn[ a to Aiwa (iii) Jo :a;e)sutar o; piS)J mammy jo uopeutwaa) ay; Jol Slpads ;Owl mg-r algeallddy se polaad ray;° tans (li) ;uatunJ ;sui S;1JnaaS spy ul paule)uoa ales jo JaMod Sue o; )uensand SiaadoJd ay; to ales aaopaq sSep any (r) :lo myna ay; 0) aopd awn Aug ;e panupuoastp ;11atunU;sui Symms sly; to )uawa3JOlua aneg o; ;Op ay; aneg Hugs Jamming 'suorypuoa u3e)Ja3 s;aatu Jamming Jr •uOl ;era1a3ay roily a ;eisulag O; )11S18 s,aaMOraog •01 Jamming uo puewap Jo aanou Jay)Jnl inoyiiM ivawnI)sur S;lrnaas spy Sq pafiwaad salpawar Sue a)onut Sew aapua1 'popad sly) to uoyeatdxa ay) o; aotad stuns asay; iced o; dial JOMOJJOH Jr 'ivawna)sui S;tanaaS spy Ay parnaas stuns lie Sect ;sntu Jamming tratyM ury ;jM 51 uopaaS gym aauepaoaae ui uan!S si aanou ay) amp ay; WOJJ scup O£ Lleg; ssar ;011 to po'aad a apinoad lletrs aapun ay,r, 'u0peaalaaae to aapun JOMOarog an3S lletrs rapua'i 'Lloyd° spy sawing rap11a1 Jr Mel leaapal Sy paltgiyoad si asp1axa tans jr rapua1 Sq paspraxa aq ;ou lletrs uondo sly) `ranaMOH •)uawna)sul ;lamas sly) Sy paan °as stuns lie Jo my ui )uaWSed apetpawwl aatnbaa Sew aapuai ')uasuoa ua))l1M Jotad s,Japuaj )nog ;IM (paaralsu1J) 10 pros sr JaMOJJOg 11) ;swa;11t lepyauaq a pue uosaad iean;eu a ion sr JaM0rr0g Jr Jo) paIJOJSueI) J0 pros si S)radOrd ayi ui ;swa)ui Sue 10 S)Jadord ay; to ;Jed Aug Jo lie Jr •Jasegaand a o) amp amyl; a )e raMOarog Sq app to rajsuer; ay) s) ya3gM to pra)ui ay) ')Llama &S& Moaasa J0 ;°e131103 sales ;uawrre1gui 'pap rol )3e1)1103 'poop rol puoq a 111 parJalsuea) s)sara;u' ieiayauaq asoy; '0) pafwll 3011 mg 'Suipnpul 'S)aadoad, ag) ul )saaa)ui'epyauaq Jo raaal Sue sugaw „S;Jadoad ay) 111 ;swa ;ui„ 'g1 uopaaS sly) u' pasn s' •raMOrrog of 'swami 1epyauag a so S;radord ayi jo ralsuuJJ, •81 ')uawnJ;sui M1rn°aS sag; to pue a;ON ay) to Sdoa auo uan12 aq yetis 13M0110 3 'SdO3 S,aaMOrrog 'Li •uop °e Sue 3)111) o) uopeSilgo Aug inoyiiM uopaJaslp Nos san32 „Sew„ paoM ay; pue 'goat 333A pue !mid ay) apnpul pue MOW gulls mauls ay) 111 spaoM (z) 'rapuaS autulwal ay) to slum Jo spaoM aa;nau Sutpuodsaaaoa apnpul pue ueaw frets rapuaS au41nasew ay) to spaoM (l) :)uatunr)sur Symms sly; 111 pasn sy •uolsinOJd 8upa'y1103 at) )noy)1M;calla uan32 aq ue° yaiyM a)°N ay) Jo )uawn1)sur S)iJnaaS sty; to suols'nord Jat)0 mane ;ou 'rugs mum gang 'Meg 08G8:33vi 08684:3 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 S ecurity 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. (0- 6A(WY) (9905) 106a12wy.0899 Page 12 of 15 5033 [19450001 Initials 038 310 Form 3051 3/99 66/£ LBO£ WJOJ 10009176 L ££09925£ TIC 6C0 :ste 0�u� SL JO EL efied 66501m£IE9OI (soss) UAM)v9•-T4201 •SulwoIIM, 3o smei uopdwaxa pea ;savoy ay; jo awn Aq pus Japun s ;ggli its sanlem pus sasealaI Janno1JOg •saanieM •6Z Mg alge3llddy Japun pa;;iwaad si aa3 ay; jo gulgseg3 ay; pue paaapuai sa3;mas mu Sped p4q; a o; pled sl aaj aq; 3i /quo ;nq ;uawn1 ;sul SIan3as sly; Sulssalai Jo3 aa3 a laming 32JS43 few Japua•i •9so3 uopepaoaa. Sue /fed Hugs lamming ;uawnJ;sul Slan3aS sly; aseala. ins Japua1 ';uawnJ ;sui ;pn3as sl ,Cq pain3as scans He jo ;uawged uodn •asealag •£g ;i o; pappua ,C11e2a1 suosaad Jo uosaad aq; o; ssa3xa Aug (3) pue ;uaum. ;sul Simzas sly; Aq pumas stuns fie o; (q) :saa3 ,sfauao ;e algeuoseai '0) pa ;hull ;ou ;nq 'gulpnpul 'ales aq; jo sasuadxa Ile o; (e) :Japao SulMollo3 ag; ui palldde aq Itegs ales aq; jo spaa3oad aqs •ales Sue ;e SpadoJd aq; aseqund Sew aauglsap s ;i Jo JapuaZ •Mel algs3ilddv ,Cq pagiJ3saad Jauueut aq; ui P1os aq hells SlJadoJd atp pus 'ales jo 33pou ay; gsllgnd Hells JapuaZ •5i uoi ;3as ui papinoJd Jauueiu aq; ul JaMOasog o; ales alp 3o a3i ;ou anig Begs JapuaZ •nne7 alge3llddy g ;lnn 0311epa033e ui ;uaaa33lp 3I ',C ;JadoJd aq; 3o uolssassod ui uosaad ay; o; pue JamoJJOg o; asopaao3 0; maw; 3O aapou aAI Ilegs JapuaZ 'ales jo Jamod ay; sarnui JapuaZ 3I •a3uapina app 3o s ;503 pue saa3 ,sSaulo; ;e algeuoseaJ `o; pa;itull ;ou jnq 'gulpnpul 'ZZ uop3as sig; ut papinoad saipatuai 34; 2uins.md ui paJJn3ui sasuadxa IIe ;331103 0; papa ;ua aq pegs JapuaZ •nne1 alge3ilddd £q pa;;lu1Jad saipatuai Jag ;o Cue pue ales 3o Jadod alp a)lonul Sem pus puetuap =pug ;nog ;inn ;uatunJ ;sul Sf ;im3as s1q; ifq paJn3as stuns its 3 iin3 ui ;uauuCed a ;eipatutul ai nbai ,Cem uopdo s;i ;e JapuaZ 'aapou 3143 ui pagpads a ;ep aq; aao3aq Jo uo paan3 ;ou si ;lnejap ay; Jr ales pue uoi;eJa1a33e o; JOMOJJOg 3o asuaJap Jag ;o Sue .10 ;IneJap e 3o 33ua ;54x3• uou ay; ;Jasse o; uop3e ;Jno3 e Su1Jq o; ;141413 ag; pus uopeaa4a33e Jaye mow.; o; ;Op 34) 3o JamoJJog tUJO3ul Jag3Jn3 Ilegs 33pou agy •,C;JadoJd ay; 3o ales pus ;uatunJ;sul ,C;lan3as sly; Sq paJn3as stuns aq; 3o uopeaa1a33e ul ;lnsaa ,Ceti aapou ag; u1 pagpads amp alp aao3aq Jo uo ;lneJap 3143 aan3 0; amps.; ;sip (p) pue :3aJn3 aq ;sntu ;lnujap aq; g311M £q J3MOJJO11 o; uani2 si 33pou 3143 amp ay; tuOJ3 s,Cep p£ ueq; 5531 ;ou '3 ;ep e (3) :;lneJap 34; am3 0; paJlnbai 11093e 343 (q) :;1neJap ay; (e) :,C31ads hugs 33pou aqJ (asinniay ;o sapinoad mei alge3llddv ssalun gj uolpas Japun uopeaaia33e o; Joiad ;ou ;nq) ;uatunJ ;sul 4.103S sly; ul ;uatuaaige Jo ;ueuano3 Sue 3o tpeaJq S,JamoJJOg &linnolio3 uoi;eaaia33e 0; Jolad JammJJOg o; 33pou 3 A4 2 ilegs aapua1 •saipatuag :uopea01033V •ZZ :smolloj se 33.18g pus;ueuano3 Jay ;Jn3 JapuaZ pus lamoiJOg 'SINVNaAOD IARI0dINfl OS6833' Ob€18 39 ©10 312 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: -6A(WY) (9905) 106a14wy.0899 Page 14 of 15 'l�l ✓G� 1 (Seal) HAROLD D. ANDREWS Borrower y�nA A/04(i(,(7 (Seal) B DONNA M. ANDREWS (Seal) (Seal) -Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 35265033 119450001 Form 3051 3/99 66/£ LSO£ W 10000 Li ££099Z9 00 .4 ,3 :s1 ETC 11 O :ss Auno3 NZOONIZ g` Jo 66801^+Sie90i (s066) (AAA)v9--CO 00Z Z i l s any sa gdxg uolsslumioa ,cy� xagma4daS mammy ICI Kit= arm SMa2TQNK Q Q'IO?IVH Xq 000Z asn2DV 3 kap gal aui aiojaq papalMOmpe seep► waunuisul Nuio8aaoj aqj `ONINIOAM 3O MINIS Obb84 j j Legal Description for Harold D. Andrews and Donna M. Andrews 042 314 A portion of the W 1 NW'% 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'hNW'/a thence S 0°13' W, along last said East line, 165.00 feet to the point of beginning. TT 1111 00097611 EEO99ZSE 00801ITTOt L6zL SWaOi 39V91aOW dWA z� s�eiliul E jo L abed 00ib� 11 ioj (7000) aL D LuawnJlsuI WJO ;iun aeytJ atuuej-XMLIed oI6uig -Jap!a aoueinsui a6e6voyg aleisiunyy s,aaansui aSeSuou aq) Sulkjipow JO Supegs aoj aSuegaxa LIT 'aaueansui aSeSuoj ioj s)uauAed s,aaMOaaog jo uoiuod a (se paziaa)aeaega aq igSiw ao) woad aniaap imp siunowe (Spoiling Jo gpoagp) aniaaaJ Sew 'SuioSaaoj aqj jo Cue jo ajeiigje Cue 10 'Sipua aay)o he 'aaansuiaa Cue 'Jailing aagioue 'a)oN ayi jo aaseyaand Cue 'aapua7 'sivauaaw&e asagj jo )jnsaa a sv (swniwaad aauemsui aSeSuoyg woaj pauiefgo spunj apniaui Sew yaiym) aigejiene aneg Sew Jamul aSeSuou alp imp spunj jo aaanos Aug Suisn s)uauSed arm of aaansui aSeSuow ayj agnbaa Sew sjuaru i8'. asagj •sfuawaai2i asagi o) (sallied so) Sued aayio aq) pug aaansui admix' ayj of )(minispes OR iegf suopipuoa pue swag) uo aae sivawaaiSe asagi •sassoi aanpaa ao 'a[sia gag) kjipow ao antis imp sallied imp tight sivawaa&S& oiui aajua few pue 'mull of awl) uoa3 aaaol ui aauemsui vans iie uo xsia iejof aiaq) a)enjena vatting aSeSuow °aaueansui aSeSuoyv ay) o) Sued a )ou si aamoaaog •paa&S& se ueo-i ay) ifedai )ou saop Jamming 3i now Sew )j sassoi uie)aaa aoj (a)oN aq) sasegaand feyj Sjpua Cue so) aapua7 sasanquiaa aaueansui aSeSuoiAl (66/£ new aaiiaea sr my aauJOD )gSia aamoj ay) jg ajep uaoj g sey ivaunajsui Swims alp 31) 8 uopaaS JO (aa)ei JO 66/£ Jo aauaoa jgSja Jamoj ay) )e afep u1Oj a seq ivawnajsui S)naas ay 3i) Oi uopaaS jo pua alp ie SuimojjoJ aqf Suippe Aq papuaue si )uaunaisui Sfipnaas aqj iCuadoad aqi Suiaanoa pue amp awes alp jo aapua1„) ANVd1 IOO 3OVO UIOY1i IN3N Q'IO of „ajoN„ aqi) ajou [aiea paxu •8•a 'afou jo odic) Ajpuapi] g.LON g,Ld2I Q3XM manning minas o) Glomming.) pauSisaapun ayi ,Cq uan!S amp awes aq) jo („juawnajsui *moos. aqj) paaQ 11111aaS JO 'IsniZ jo paaQ 'aSeSjaow ayi )uawajddns pue puawe of pawaap aq pegs pue oiui pajeaodaoaui si pue 0002 .zagwajdaS 3o ARP gig sit) apeu si aapig aaueansui aSeSuoY11 spa t;10 [ssa1ppd X)JadoJd] HIES AM 'MIIIffI V 'IEI# QHO2I NOANVO SAN UL L66 le paten' pue ivawna)sui Swims am tit pagiaasap 2I�QI2I 1ONV2If1SNI aOVO.1110I^I IMO Obbtiaa 044 316 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) (0 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 35265033 [1945000] Form 3160 4/00 00 /ti 09LE LIMA E Jo E abed [0009t6L1 EE0S9ZSE JaMOJJOg JOMOJJO- (i' s) (t eas) J aMOJJOg (I LIE cq© JaMOJJOg (leas) J 9MOJJOg 1aM077011- (ins) (ins) ooSO'£Jiioi (v000) at. L JaMoiJOg- y M3HONV 'W VN a JaMOJJOg jj SM3aUNV 'U UIOaVH (IEaS) //J/ ivaunu sui ICTIJnaas aq) sTuauxalddns pug spuatuu TI Toga saaae pug Japcg aauiansui aSe8)Jow sup sidaaau Jamming 'mom SuAs iCg