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HomeMy WebLinkAbout868500pfre v10 11 1 66/E 1.90£ w�oj 1 Ts 09 S9ZZI70L6I7T 9ZZIi0L6! OP 11 F g`J'�d ?ICJ 5xoo8 V Y6ZL SI Od 3DvaLHOW dV A 5l to l aBed 14066) (AM)9 IN31HUSNI WdOAIN() oW1Hd /VWNA Nlwej 9 1 6 u!S �JNIWOIJAM/WI/USN! Aas.zar MaN IO ELVIS EEL Jo sme[ agl .iapun 8upspca pue paztue8.to NOIIFRIOd2 OD a si .zapua NOI.Llz'2IOd2IO0 SOVOLHOW NK,LLVHNKW SSVHD St „aapual„ (0) luatunalsu] Alianoas stgl lapun ao2E81aout alp Si aamotaog QSI2I2IFIWNfl '2ISSOOd O VNNV QSINEVWNII '2ISNEILL O QIAVG st. „aaMOaaOg„ (g) •luaumoop sign of slapi2I ]te gPm .10upa8ol 000Z 'ST .zaquiagdaS palzp st !plum luaumoop stgl sum!' „luaumalsuI ,f ;►anaas„ (V) '9I uotloas ui papinoJd os]e aze moult sign ui pasn pion& Jo a8esn alp 8utpiv2ai sa[n1 uiel.ua3 'I Pue OZ 81 `£l `]i suopaas ut pauuap aze spaom laglo pue moiaq pau Jap ale luauinoop sign Jo suopoas a[dil]nm ut pasn spioM HOVOIHOIN [eloa atgpaoaag .zog aunt spa anogv aaadS] SNOLLINHal pazedatd ONI SO' LSOd NOI,LNELJLK 0098 9 0 TOZTL FI'I 'SOENOW 'BLS HL6T N 00ST NOI,LVNOd2lOa SOVOIEOW NVZIVHNKW SSVHO 08 i8 00 Lender's address is 7550 West Yale Avenue, Suite B200, Denver, CO 80227 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated Sept ember 15 2 0 0 0 The Note states that Borrower owes Lender Ninety Two Thousand, and 00 /100 Dollars (U.S. 9 2 0 0 0 0 0 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2 03 0 (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]: Adjustable Rate Rider Balloon Rider VA 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. CD (9904) Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 Second Home Rider 1 -4 Family Rider Other(s) [specify] Initials: 460 90-'4(7) Form 3057 3/99 66/E 190E 111 "A B l 10 g ape (17066) (AAA)9- SIM JO 010N 0111 zapun luau /cud se zapuo l)iq panpoaz luaurnzlsu! zaglo JO xoauo Aue Jt `1OA MOH °Xouazzno •S•n ut apuw oq hells luaumzlsul'iuznoos spp pue a10N aq1 zapun anp sluauaed uoioas o1 luensznd sutall Mozosg ioj spun] ked one hugs zamozzog a10N at'i zapun anp sagzego ow! pue saazego luaulkedazd Niue pug aloN a'i paouaptna lgap alp `uo Isazalui pue `Jo ludtouud 0111 anp uogm Xgd "[Ns zamozzog •saluno a ;e7 pue 'saneg0 luatuAuda td 'small tonsil 'lsaaalul 'Iedlaulad jo luauzSed I :smolloj su aazge pue luguanoo zapuoq pue zaMozzog •SINVNHAOO b1I1IOdINn Aizadozd luaz 2uuanoo luaunulsui ilunoas uuoJ.IUn g a1n1t1suoo 01 uouoipsunf suoiletzen paltuiil gI!M slunuanoo uuojtun -uou pun asn luuotlgu 10j sluuuanoo uuO3tun sautgmoo LNHY\in2I.LSNI A LI2inOHS SIHZ •pzooaz jo saouuzquinoua ,iuu of loafgns `spueuuap pug suitulo IIg lsutae )(nodal,' alp 01 a11i1 0111 kljgzaua puojap ljim pug sluezz1M zamozzog •pzooaz 3o saouezqumoua zoj ldaoxa `pazaqutnouaun si )(nodal,' am Imp pue )(nodal,' agi Xanuoo pug luez2 `oAWilout 01 11.1$iz alp set' pug poiconuoo )(gang alulsa 0 Jo pastas Xllnlmgl si zamoUog 1gt'1 SINVNHAO3 2IHMO2I2IOg )fuadozd„ at'i se luaurtulsul XitznoOS sigi ut O1 pazzapz st 2uio5azoj at'i Jo Hy °luautnzlsul XlunoaS spp pazanoo aq Osig Hugs suoilippu pug sluautaogldaz Hy •i1adozd a111 3o lied u zaljuaza11 z0 mou sainixu pug `saoueuaunddu 'sluomosea He pug `iCuadozd alp uo paioaza zageazag JO MOU sluautanozduzi alp UIe HIIM 2IHH.LHOO1 [apo0 d!zJ L Z T 8 $utui0AM [I!D1 pans! Jo ssazppg 0111 sell iClluazzno t'Oigm SNK H,L HADICI MVO EIIL10S S 88Z 00T80TOTT06Tf'E „ssazppd ,Cnodozd :zaquznN QI 'amid DN I WORM 2 LNIIOO N'IOONI'I 30 SQ2IOOH2i 'WIDI330 HELL NI QHQ2IODH2i QNv' QH,L,LFi'Id SY (5) HAI3 .LV'1d HONVII XH'I`WA ?ILLS NI HH2iHLL A,LUIH,L [uouo[psunr gulp ooag ;o a'- N1 [uopoipsunr 9ut jo adiijl N'IOONI'1 JO A,LNIIOD 01 11 u! pOlgool Auadozd paquosap 8 uimollo3 alp `ales Jo zamod 11ltm `suSisse pug szossaoons s,zapurj pug zapua7 01 Ifanuoo pue luez2 `o u2izouz ,igaza11 soop zamozuog `asodznd stgl zo3 •aloN all pug luaurtuisul 'Clunoog stgl zapun sluauiaaae pug slueuanoo s,zM0zzog 3o aouguuojzad alp (q) pue :a10N at'i Jo suoueotjipouz pug suoisuaixa `sJRMauaz He pun `ueo1 0p1 Jo luauz,Cndaz alp (u) :zapua -I o1 saznoas luauznzlsul AlunoOS spa luautnzisul 'ClunoaS spp zo/pue aloN 0111 zapun suotlu5Ilgo s,z0M0110g pautnsse seq /clued iu111 lou JO zat'lat'M `iilzadozd OM 01 Opp uavi sell lull Auud Cue sue= „aamoaaog jo lsaaalul ut aossaaans„ (d) J37 AIIIHdO2Id HILL 3O 2IHdSNd2II O iSJ00 Cr? 6(WY) (9904) Page 4 of 15 Initia 46 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 F 3051 3/99 661£ 390E wao g L to g seed (b066) (AM)9- CID 0141 $ut,i3Tluapi aOtioU 10m0a1og OAP' item aapual `luamnalsul JiltanoaS sup JOAO iiluoud UMW 11110 gotgm uat! a o1 loafgns si Spada'," agi jo laud Niue imp sauuuuiap aapual 3I •luamniisul iilunas sup of mil am Sutieutpiogns aapual o1 Aioloejspes lmamaal& ue uaq ammo 1aploq 0141 mou3 saanoas (0) JO .papnlouoa aaE dutpaaoold tons Itiun inq T11lpuad aae s &uipaaooid asogl aught uall a (i1jo luamaoioju0 aqi ivanaJd o1 alendo uotutdo s,lapu0' ut ton auipaaooid Ie$al `ut uat! ai i jo luamaoaojua isult2e spuajap .zo `Aq tp1e3 pool 111 uatl aqi sisaluoo (q) `.luauzaaiSE (ions 2utuuojiad s1 nMOJJog se VIM( os Aluo lnq `aapual 01 alggldaoou Sattu1m t m uat! 0141 Aq pamaas uou tlgo alp jo luautked a141 o1 2upum 111 saalge (g) :aamollog ssOiun luauzn.zlsul ICllanoas sup JOAO 12!10ud Stq totgm uatl Sur a2Jegostp ipduzoid hells lamoalog uouoaS ut paptnold aauuEUZ all 111 magi iced ilggs lamoauog `SLUM molosg ale s molt asa ll imp 1110ix° alp o l •iiue 3I `sluamssassy put `saad `sang uopu!OOSSy iCltunuzuzoj put 'Niue 31 `filmdom aqi uo sival punoa so sivam,Ced plotaseal `luautnalsul Allmon sip1 JOAO Xluouud UU 1114 11140 totgm Auodold a141 01 algtingpme suotltsodun put `saui3 `saSaego `sivamssasst `saxEi !!E Atd !legs aamoaaog •suai-I :salmto •aapual! Aq Nag spund Cue aamoaaog of punjat ,illdwoad !lugs aapual `luautniisul £iunoas sup Aq patinas sums IT 3o !!n3 It! 1uamXEd uodn sluatuktd JItluout anlaml uetp 010111 ou ut lnq `ydSd2l 1411m aougpioom ut Aouatot3ap 0141 dn 03IEtu o1 Ai ssaoau iunotzzt aqi aapual 01 Atd Bets aamo.uog pue `ydsgal ,iq paatnbaa se aamoaaog X31lou hugs aapual 'yam; aapun paut se `mo1osa ut plat spund 3 /iouatogap t s1 a1ag1 11 •S1U0U1 iEd JSlgiuouz aAIaml U T4 010m Oil III 1nq `VdS3'1 (i11m 001E11030R 111 a$g11ogs 0141 dn 0)!14111 01 £I2SSao0u iunouze 0141 aapuarl 01 Aud !lulls 10M0110g put `VdS1'l iCq paatnbaa se aaMo1log ii31ou imp aapual `VdSaa aapun paugap se 'mama ut plat spund 3o arum's a s1 0101413I 'Vdsa I 1 11!m aoutpa000e u! spund SSOOxa 0141 a03 aamoaaog of lunoOOR !legs Japua-1 `ydsau "Pun paugap se `mo1OS0 u! plat spund jo snidans E st aa0141 3I 'VdSg2I Aq paatnbaa sr spund am jo $upuno0O1 jenuue uE 'Amp lnogplm `aamoaaog 01 ant2 Iitis aapual spund o p uo pred aq Begs lsalam! 11114!1 'Jana/mil TutlUm u! =Be 11eo lapua'l puu 1amo11og spund 0141 uo ammo 0 ao Isamu! 1(1111 aamoaaog i(Ed 01 paatnbaa aq iou !legs lapua-I `spund 0141 uo pled aq 01 lsaaalut saltnbai mtl OIgEOIlddy so 2uplam u! apem s! luamaaJge tie ssalun amp E (ions a1ltm 01 aapual siumaad mtl algeotiddy put spund a141 uo lsaaalut 1amo11og s,Ced aapual ssalun 'sutall Mo1OSg 0141 2UIX3t1an 10 `111110011 mama a141 2 ititnuut `spund 0141 2u!iilddt put 2utploq 103 1amOIIOg 0 11110 1011 hugs aapual •ydsgu aapun paijioads amp all tre141 lam ou small mo1OSg 0141 1SEd 01 spund 0141 Aiddu 11ets 1apuarl •pluug 1110' auzog lelapad Au1 111 10 (paansul os 0111 sltsodap asogm 1Otini11su1 tre s1 aapual 314 `aapual gutpnlout) 1C11iva 10 `XllieluamnlisuI ',ioua& !E1apa3 palnsul 0111 sltsodap asogm Uopn111su! tie 11! pi0g aq !legs spund atZ mtl aIgeotlddy gitm 0otrepa000e Ut astmlatllo io sulail m01OSg alnln3 3o saanitpuadxa jo saltmpsa algeuostai put tltp maim jo spat 0141 uo anp spund jo plume a141 altmpls° Huts aapual •yds a aapun aatnbaa 1120 aapual t mum= utntutxtuz 0141 paa0xa 01 mu (Z) put ydSHU aapun pat amp am le spund 0141 Aiiddt of aapual lttulad 01 lua!Ot33ns (I) lunOme ire 111 spund plot pug loalo0 'amp X112 111 'hut aapual uo110as sup aapun paltnbai 11014! 0111 111141 `siunotuu gons 111 put `spund 11 aapual 01 ,cud IIe14s .12m0110a `uotluoonOI gOns uodn `pure SI uotloas g11m OOUep1o00E u! uan12 0011011 a ,Cq 0111141 AIR 114 sma1I mo1OSg lie 10 AIM 01 st 1an!em 0141 0)10nal ,CEU1 1apu0l !11111114 goes Aug aapual 01 /CEda1 01 6 uouoaS aapun pale aq 110141 Hells 1amo11og pug lunotue tons put 6 uoIIOaS aapun wig!' sat asIOlaxa Amu aapual `11101l mo1OSg Ire 10J anp iunOmt alp /Cud 01 si1E3 aamoaaog put `Janttm E 01 lutnslnd ',Cpo0atp small moaosg iced 01 palaggo s1 1amo110 1 3I •6 uouoaS u! pasn s „luamaaat put IUEUano0„ asglgd a141 sE `luamnalsul 1ilunoas sup 111 pau!t1U00 lu01U001 t put IUEUanoO u all 01 pump aq sasodlnd lie 10 3 IlMIS sidtaoaa aptnold 01 put sivaulAud (ions wiem o1 110I1V2I 140 s,1amolaog •ai nbat Amu aapual se pollad amp goes utgliM 1uamAed wits Butouaptna sid1aoai lapuarl 01 gstuln3 Timis `sannbaa aapual 31 `put aapual ,iq pantgm uaaq set' spund 30 1uamLCud 1oi14m ao3 small mama Au1 ao3 anp 090 0868500 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 -6(WY) (9so4) Page 6 of 15 Initfa 464 F orm 3051 3/99 66/E 190E W1oj 4 L 10 L 96ed 14 6) UM /9 aigguoseal 2u!Xud (E) pee `moo ui $upeadde (z) `luautulsul ,ililnoas sup Jam) A111oiud ssu gaigm uaiH 11 ,Cq paln0as suns Aug aui1Cud (I) `01 pallet! lou 3111 lnq `apnlaut uuo suotloe s,lapual •J(11adoJd a141 guutedaj so /pue Buenas pug `filmdold aqi jo amen alp gulssasse 10 /pu11 2upoalold 2utpnloui `luaunllsul /Cliln03s sup lapun sup!' pug Alladold alp uT isalapui s,lapuarl loaioid of aleildolddu so aigguoseal si 1analugm l03 iced pue op fiuw lapuaj uagl `filmdom am pauopuege seq iamouog 10 `(suopuin5al JO smei 0010j113 01 10 3uautulSUI 'C1i.11100s sup lano ,iluoud ulelle Sulu gotgm uati a jo puaua01oJua 103 `ainlia31o3 10 uoilguuapuoo 103 `al11gold `Aoldnniueq ut Suipaaoozd 11 sg gons) luautnlpsui iilpn0as sup lapun s10!1 10 /pup filmdom am ui lsalapu1 s,1opua-I ma33e ,Cpueoidiugts 1g2iu legs 5uipaaooid iaal a s1 31341 (z) `luaunnsui Allmon sup ui pauieluoo sluauaalge pue slueuano0 am ulojlad o1 sit113 zamouog (I) 3I ;uatinulsuI Apnaas slq; aapun sui2m pus ,fwadoad 314; ui ;saga ;UI mapual 3o uol ;0a ;0ad •6 •aouapisal Igdt0uud s,lamollog st A11ado1d all jo Aougdn000 s,la'ollog guituoouoo suopeluasaldal `01 paliuq iou ale lnq `apm0ut suotl11puasaldal mpale Ai •ueo-i all gltm uopoauuoo ui (uoneulojui I1111aleu 411m lapua' apinold 01 pait113 10) lapua'I o1 sluaualups 10 UOIIRWIOJui alu1n00eui 10 `$uipeaisu `as' Aiieilaleu anu2 luasuoo 10 apaimouf s,lamollog glim 10 1amo11og 3o uopoa1ip alp le !!!log sappua 10 suosl3d diue 10 10M0110g `ss00old !IMM dde ue01 am Wuunp `3t 1lnejap ui aq pegs 1amo11og uso7 ma,uoaaog •9 •asne0 aiguuosual gons 2ui,(110ads uop0adsut Jowl!!! ug !Ions 01 10ud 10 JO amp am le a0ilou lamol10H 0n42'HMIS lapua I •ii110d01d 0111 uo sluauanoldui am jo /opalui am madsui Amu lapua'l `asneo aiquuosual nil 1i 3I •I(iladold alp 3o suopoadsut pee uodn saillua aigeuoseal a}Ieu Amu lua3u sli 10 WW1 •1O119101S31 10 iigdal gons jo uopaiduoo all 103 uoi1 iigo s,l0'o11011 3o panaijal lop s! 1amo11og `filladold am 0101501 10 1i11d01 01 luaTOIJ3ns 101I aie spaaoold uolleuuapuoo so aouelnsut 314131 •papaiduoo st vont aril se sluauAud ssaBold 3o saws u u1 10 1uaufiud al5uis u ui uoi1e1oisa1 pu11 sltudal ag11o3 spaaoold asingstp Auu lapuari •sasodlnd !Ions 103 spaaoold inseam' oil lapua-I 3i Aiuo ,C1ladold am ffui1o1sa1 10 2tuiledal 103 aigtsuodsal aq pegs 10mo.Liog `rilladold am `30 Suniel alp 10 `01 aeuep g11& uoil0auuo0 u1 pied an spaaoold uopeuuapuoo s0 00119111sul 3I •ageuep 10 uoilgloualap 1a1411n3 pione o1 pa2eugp 3i filladold all 1t11da1 1Clpduold pugs 10M011og `aigisea3 AIIeotuouooa 1ou si uoi1e1oisa1 10 .pedal 1gg1 S uopoas o1 luenslnd pauiulalap si 1i ssaiun •uopipuo0 s31 of anp amen ui 2uiseo13op 10 2utpuloilalap u013 filmdom all luanald 01 laplo ui Auadold all uieluieu 'Hens 1amo11og `filladold all ui 2u1P1sa1 Si 1amo11og mu 10 =palm •,C11ado1d all uo alsem liunuo0 10 a1e10!1010p o1 Jivadold all moue `filladold am Rude' to aReuep `,Collsap lop pugs 1amo11og •suoi ;0adsuI ',Claadoad 3143 3o u0t;oa;oad pus a0ueua;ulejAi 'uol ;sntasaad °L •iolluoo s,lamollog puo,Caq 3111 140i1IM 1six3 sooueisutnolt0 2uilenualxa ssaiun 10 `piaggli' ,CHquuoseolun aq 1ou Jugs luasuoo l0tgm `Ruipilm u1 saane astmla4po lapua-I ssaiun `,Couudn00o jo amp am 131311 111aii ouo 1seaJ le 103 oouapisal ledlouud s,la'o11og se ,iliodold 314p iidn000 01 anuiluo0 pegs pee luaunllsiil Ii1i1n0as sill 3o uopn0axa all 131311 situp Awls utgpim a0uapisal ledtouud s,lamollog su ,C11ado1d all asn pue `gsiigelsa `iidn000 IHegs lamollog •,fausdn0aO •9 •anp pail lop 101allagm `puaumllsul Ji1i1n0as sup 10 010N all lapun predun siunoue ,ied 01 10 A110d0Jd 0141 alma! 10 1i11d01 01 1314113 spaaoold a0uelnsui am asn Amu lapua' •,C11adoJd a113o ae13no0 all 01 aig11oidde a1u sug3i1 !Ions su lujosui `Aliadold uilano0 saioJod aouelnsui'Ie lapun (Jamollog Aq pied summald pauluaun jo punJal Cue 01 1145'1 am Jell laglo) s1pi1 s,lamollog 30 1ag10 Aue (z) pue luaunllsul iilun0as sup 10 010N 3141 lapun ptedun slunou11 am paa0xa 01 mu lunoue u11 ui spaaoold a0uelnsu1 Aug 03 s1145i1 s,lamollog (I) 13pu3rl 01 sua!sse Apia!! 10M0110g `asim101410 10 zZ 1101100S lapun filmdom all saltnboe lapuarl 3i 10 'lean 1314110 uI •uani2 si a0pou all uagm ut2aq Ili' pouad iiep 0£ 0141 •uti11i0 alp aims pee a11111ogau Amu lapua'l pall `u111p 11 allpas o1 pa13jj0 5111410111110 a0uelnsut alp 111141 lapuarl u013 aoilou 11 01 sIi11p p£ ug1IM puodsal 1ou saop 13'011014 3I •5131311W pal11131 put: uiui0 a0u111nsut aig11H1en11, ,Cue alllas pup al11poWau `3Iij ii11u lapuarl `Aliodold 3141 suopuege 1am011og 3I •Z 1101100s ui 103 paptnold 101/10 am a middy aq 1111gs spaaoold a0uulnsul gons °1amo11og 01 pied `Aue 3i `ssaoxa 3141 08C8500 46G 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, (9904) Page 8 of 15 Initials:_ Wilt /r� Form 3051 3/99 66/E L90£ wuoj 9 r7 L JO6abed 117066) (AM)9-CZ sup 5utuRts -oo si (11) „1a0ts -oo„ e) aloN ail alnoaxa you saop pnq luaum.nsui Aitpnoas sup su$ts -oo 014M aamouog Aug `Janamog *pianos pue luiof aq hugs Aitiigeii pue suopallgo s loll saa.de pue slueuanoo zamoz1og •punog sAssV pug saossaaans isa0udis -co :Simon ieiOnas pue ;uiof '£I •iipatuai ao 1112ii Rue 3o asiO1Oxa 0141 apnpald JO 3o zantem E aq you hugs `anp uagl lunowe 01414 tom ssai slunouIE u! ao JaMO11Og JO 1S0101ui ut S10SS90on$ JO sappua `suosiad pzigl utoz3 sluatuAed jo aoueldaoon s,iopua- tomtit!' inotlit `5utpnioui ,Cpautai JO 11441 Xue 2utstoiaxa ui aapuai Act aouuivagtoj Aud •.tamouog 3o oolo g ut siossaoons Aug Jo iamo.uog I11ui2uo ail Now puutuap Niue jo uoseaa Xq luatutuo i Apunoas sup Aq pamoas sums atf jo uoileztiaowe i astM.tatfo so luamked Jo; aur puma 01 asnjw 01 so 1amouog 3o isa.talui ut Jossaoons Niue 1suoh auipaaooad a0uatuutoo of paztnbaz aq lou Bulls zapur •.tamotaog jo lsaaaiui u! siossaoons Aiu11 Jo J0MO.uog 3o AillIqull all aseai01 of aleaado 101 Ii JOMOJ10g 3O 1S01apui ui IOSS000ns /Cuff zo Jamoilog 01 aapua -i ,{q palueJ2 fuauttulsui Sltmoas sup ,Cq pamoas sums alp jo uopezp.mun 3o uotlu0iJtpout JO 1u01IIAEd 103 0utt1 am 3o uotsualxg •aani3M g ;oN aapuaj Bg aoueaeagaog :pastrami i ;oN aaMoaaog •ZI Z uotl0as ui ao3 paptn0id .tapio all ut paiidde aq hugs Auado.1d ail 3o 1t11d01 JO uoife.tofs0a 01 patidde loll an fell spaaoold snoaueiiaost A. TINT Japual of peed aq pegs pue paudtsse Agataq OJE ,Clzadotd 0141 u! Isa.talut selapua' 3o luautatedtui 01101 aiquinquue OR rip sa2Ew p Jo3 utt11lo s0 plume ,Cue 3o spaaooad aty °fuaunulsui 'C1tm0as sill Japun sf142u Jo ,iltad01d 0141 ut 1Saiaput s,lapua-i 3o luaus odutt miaow 101410 zo AttadoJd ag13o amITOJIo3 sapnioaad `ivamuapnf s,zapua-i ut `1 $ugn.t 11 mint passtuustp aq 01 Sutpaaoozd z0 WIPE 0141 2utsnuo Aq `61 uoiloas ut paptnoad se ap11fsuta.t `paum000 SETT uotle.taiaooe J! `pue mom a lops atno 11110 aamollog •luauttulsui Iilun0as sup zapun sf14$11 10 filmdom a141 ut 1saialut s,iapuYi 3o luatuuedurt 111ua111ut .101410 so Iil.tadotd a141 3o aanpiajao3 ut linsai moo `luatuRpnf s,iapuari ut `1E141 un2aq st I11uiutu0 zo unto 3a11a14M `2uipaaoo1d ao uotlou Attu 3i 1inE3ap ui aq pegs IaM03iog •spaa0oid snoauellaosm o1 p1EWaJ ui uouoe 3o 145!.1 E su14 laMOJSOg mum 1suteffe /Cued amt JO spaaoo.rd snoaueijaosti,14 .Iamoitog same 111141 Aunt mul10141 sueaut „A112d 5utsoddo„ anp u0TT1 loll zo 10141014M `luatunusui'Cpunoas suit Aq pamoas sums all 01 zo A1.tado1d am 3o ueda1 xo uotluJoisai 01 zaglta spaaoozd s Ni 0141 ,Cidde pue 13aiio0 01 pazuoupne si aapua-j `uan!S st a0tp0U 0141 ap11p amt aap3E sAep p£ ut14lum aapua i 01 puodsat 01 spej .tamonog `saf11tu11p .Jo3 mop 11 aillas o1 pteMe tie 0)11tu 01 saa33o (aoualuas 14xau alp ui pauijap se) ,Cued Suisoddo all 111141 10M0110 o1 iapual Act 0012ou .rage `3t 10 `10M0110g iiq pauopuequ st iClJado.1d 0 141 3i anp 110141 we stuns alp 1ou 10 10 laatutulsui Alun0as sup Aq pamoas sums a141 01 patidd& aq pets spaa00zd snoauepa0styni all `2utn1M ut 0013E astM.tallo Iapuari pUE .IOMOIIOH ssaiun `anion ut SSOI Jo `uoilpnllsap &upiel ogled 0141 aiojaq ,ilaletpauuut pamoas sums all 3o lunotu11 aril 1111141 ssai Si anion ui ssol 10 `uoilOnnsap `gup[111 I11illed 0141 azojaq 'CIal11ipatttut Auado1d all 3o anon 1031t11ut 1!113 alp 4014M ut IC110dold a141 3o anion ut ssot JO `uotlOtulsap `211ix111 ogled 1130 IUana 0141 ui •lamoatog 01 pt11d aq nuns 00u11IEq ,iud anon ut ssoi so `uoilOtulsap '5upoi mind am aaojaq iCla1Etpauturt Xuadoid alp 3o anion fa)111ut 11113 0141 (q) paptntp anion ui ssoi so `uoi1Onllsap `2uix111 mind all aaojaq ,CIa2eipatutui pamoas stuns a141 3o lunout11 1E101 0141 (E) :uop01113 2 uiMOiio3 all AI paiidilinm spa0o0zd snoattellaosiy% a141 3o luno1UE all Act pampa' aq Il luautnafsui 11i.m0as sup ,iq pamoas sums am Tut1iM ui 0015e as1MZagpo aapua-i pue Jamolog ssaiun 'anion u! SSOI 10 `uotpotuisap 'fupi111 i11tu11d 0141 atojaq Aiap11tpauuuti mammon' ,Clunoas sup Aq pamoas stuns all 3o funom11 alp imp ialea12 JO 01 I11nba st anon ui SSOI Jo `uotpOnulsap `5ui)Ie1 i1111111d alp atojaq JCi0111tpatuuu! rivadoid alp 3o anion 1aveut 11113 0141 140i4m ui AiJadoad alp 3o anion ui ssOJ 10 `uotlOtufsap 45utx111 IEt1 11 JO IUOAO 0141 ui 1amo aog 01 pied 'Aug 3i `ssaOxa 0141 gum `anp imp 1ou zo JatpagM `luaumalsui ril sup Aq pamoas sutras a141 01 middy aq pp11TTs sp0a0oxd Sn00UEIIOOStyAI 0141 `Suado1d all 3o anon ut ssoi JO `uotlOtulsap `2upi11f owl 11 JO 1110n0 0141 ui •Z uoiloas ut zo3 paptnozd .tap.to aq1 ui patidd11 aq hugs spaaoozd snoaueiiaosm tons •JOMO.uog 01 plod 'Aug J! `ssaOxa 0141 gutM `anp tall feu so 1a141a14M t R 1{ O 468 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 -6(WY) (9904) Initials; Page 10 of 15 Form 3051 3/99 66/E 150E g L L L 9@ed (4066) (AM)9 `ddSg2I uotlgtuJo311t Jaglo Aug pug op= aq pings sluowked g3m14m of ss0lppg 0141 `mown ug0-i mall 0141 JO ssalppu pug atugu 041 algis iilM 14oi14m 0$11ggo 0143 3o 0o11ou uaiillm rant$ aq IIIM 1amo11og `1a3tn1as ugol x143 3o a$ttg14o u st wow 3I •a30N ag13o aws g 01 palgi0lun 100!A10S 11g01 0143 JO sa$11g14o 010111 10 auo aq i1481uz osig a1oq •mgrs aiggotiddy pug luatunl3sui IC1tlnoas sup `aloN 0141 iopun suopg8tigo $ut31n1as uuoi o$g$ilouz 101430 suuojiod pug luatuntlsui A311n0os sup pug a3oN x141 lapun onp sluauz,Cud 3tpotlad 8100(300 114141 „10o!moS ugo-i„ agi sr umoux) eAipua 0141 w 08ur143 g 111 1(1101 1101uz airs d •1amo11og of o3pou loud lnogltm mull 01ouz 10 auo pjos oq ugo (luaunulsui Alunoas sap 143tm =paw) OION ow ut 180103u! irtllgd r 10 aloN 0141 •a311rna1JD 3o aai ;oN :aa3inaas u1ori JO a$urga :a;oN jo airs .oz 8 i uomos iopun uon ioj000u 3o asuo agi ut Aiddg loll 1114s alulsutal of 114$t1 st41 `lanamog •pa.unoo0 pug uouglaiaoor ou 3t sg anpoa33a'jin3 utgWal 11x148 Aga10q pamoas suotlg$ggo pug ivautn.zisui A311n3oS sup `1amo11og luatuaigisutal uodn •10jsumj spund oiuo113aig (p) 10 Altlua 10 Iliwluatunl3sut O110 g w1ap03 E Act palnsut 0114 sitsodap asOgm uopn3psut ug uodn umrlp Si 313014° lions Aug paptnold 'row s,1a114suo 10 rap 8,1011114011 `3100143 xugq `3100140 patjivao (3) `1opwo ifauoW (q) `14sg0 (g) :Jopuoi Act paloaias su `stulo3 8utmotiO3 ow 3o wow 10 auo 111 sosuodxo pug sums iu0tu03glsutal 14311 /cud 10M0110g 1E141 altnbal lapuo i •pa$ug14oun 0nutiuo0 iig14s `luatu1IIsui Altlnoas sup Aq pamoas sums oip Avd of uopE$1(go s,lamo110H pug `luaunulsui ,Citmoas sup iopun 8314$11 pug Ai1odold ow II! 180101111 s,lapuo i irtp alnssr 03 altnbal ,tig14uosuoi Agw Japuo-1 su uopOg Lions swirl (p) pug `luatuttnsui iiit1noas sup lapun s1148!1 pug iC31ado1d 0141 111 Isamu! s,lapu07 $upoalold 3o asodlnd agi 103 pallnout sow 101410 pug 'sow uopuniEn pug uopoadsut A31adoid 'sow ,SiC0u1033r 0iquuosg01 `01 p0111111 loll inq `8utpnioul `1110um11sui Xitlnoas sup 8ut31olua ut pa11noUi sosuodxo iw sAud (o) `.s3u0tua01$E 10 sluguano3 1a1410 Aug 3o lingJap Aug salvo (q) :palm= pug u0prlaiO33r 011 31 sr OION 0143 pug ivaumllsui Allmon sup lapun onp aq mom ua141 143114m stuns ii lapua-i sAud (r) :1amo11og 18141 are suoptpuo3 080141 •luauml3sui ICltlnoos slit $utolojua tuatu$pnf r 3o Aiwa 10 `alutsulal 01 14811 s,lamo110g JO u0Ugutuual agi 103 An3ods 1g8tuz m14-i aiggogddy sg pouad lagio 14011 (tt) :tuomni1sui ,iltmoas sup ut pautriuoo airs 3o lamod Aug 01 iuunsind ,C11ado1d ow 3o airs alojaq sAgp anti (t) :Jo isatirea ow 011oud amp Aug lg panupuooslp luatunllsui iC311no0S sup Jo 1Uatu03103ua an1414 01 148!1 0141 ang14 1148 1amo11og `suotltpuoo ure3100 mow 1OMO11og 3I •uoi;raaiaaa' .za ;3( a ;t.;suiag o; 1183J vamoaaog •6I •1amo11og uo puguzap 10 a0tlou Ja1411n31no141tm lu0um11sui /1t1n3as s141 iq palltuzlad satpautal Aug axonal AEU' lapuOZ `popad stop 3o aoprlidx0 ow 01 loud sutras 08043 hd o1 siT3 10mo110g 31 •luautnlisui 1Clt1no0s sup Aq pampas sutras 1314 Red lsnui 10M0110 140t4m u1411m si uopoas 141!m 0ouep1000g 111 IMP st 001lou 0141 aigp 0141 1.11o13 siirp o£ uggl ssai loll JO pouad r apinold 1314148 00110u ati,i, •uoprlata0og JO 0013011 10M0110g ant$ (314148 10 U0 `uo11d0 81141 sasiolaxa 10pua'1 3I iglap0J Sq paitgtgold s1 as1Olax0 Bons 3t Jopua-i Act pastolaxa aq 1oll (iris uotldo 8!141 `lanamog •luounulsui ,Ciunoas sup Act pamoas sums Hy 3o iin3 111 ivaubCgd o1 ipaunut gitnbal Artu lapuaZ luasuoo ua31t1m loud s,1opua'i inoi ptm (pa11oJsuu11 10 Nos s1 1amo11og 111 180101u! wtotjauaq E pug uosiod 'gin= r loll Si 1amo11og 31 1o) pa110Jsug13 10 pios st IC31ado1d ow 111 180103111 Aug 10 A1•tadold 043 JO 11ud Aug 10 ire 3I •1asrgolnd g 01 algp alnin3 g lg 1am011og iCq app 3o 103sug1l ail st gwgm 3o wow! 0141 `luatu0018g M01050 10 13211uo3 saws 1Uauziwlsul `poop 103 10r11u00 `poop 103 puoq r 111 pal038uu11 8180101111 wtoljauaq mow `01 paltutti lot inq `$utpniout `iilladold 0141111 180103ut wtotuauaq s0 w$0( Aug small „Ai.ado1d 0141111 isa101ui„ `8i u01100S sup 111 posn sy •aannoalog ut ;saaa;uI iup auag a JO ,fytadoad ati; jo aajsuuaj, •81 •luatutuisui ii4m30s sup Jo pug 010N ow 3o Adoo auo uant8 oq iT14s 10M011011 •AdoD mannoaaog •L1 •uopog Aug 0x143 01 uotlr8tigo Aug ino14ltm uotialostp aios sang$ „Iiruz„ p1om 0141 (E) pug `Eslan gown pug 1inid 043 apnput pug mow Hugs 1gin8uts 0143 111 sp10m (z) `10pua$ autuna03 0141 3o slum 10 splom 1ain011 $utpuods011o3 0pnioul pug ream (3x48 lapua$ 0utin3sguz 0141 3o sp1om (I) :3uatunllsui *moos sup ut posn sy •uotstnold $up01T3u00 01411nogilm 330330 rant$ oq ug0 14ot14m 010N ow 10 luaumllsui Aitlnoas sup Jo suotstnold 10430 1303314 Sou gulls 13tiiuo3 140ns '/Ar-i 08685'00 470 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. 6(WY) (9904) Page 12 of 16 Initials: 4 ,1--s Form 3051 3/99 66 /E 150E wJoJ (SQV l slenlul 9L 40 Ele6ed 11 (AM)9 CIO luiwo,CM Jo smu! uotldwaxa pualsawoq alp Jo anlzin ,fq puu zapun siggia Ilg san!um pug sasuapz .ramo.uog •saan!uM •1'Z mg�l alquotlddd zapun pauiuu d s! aal ag13o gu!Riuga ag1 puu pazapuai saotnzas .ioj iClzud pzigl u o1 mud s! aa; am d! Aim lnq 'luaunzlsui Allmon sup gu!sgalaz Jo; aa3 g zamozzog amp Amu zapua-i •slsoo uopupzooaz ICue Aud Bugs zamozzog •luaunnlsui Aliinoas sup amp.' !lugs zapua' 'luawn.usui Al sup Aq paznoas suns up jo luawicud uodn •aseapg •£Z 0; pal ;p ;ua 'CHIAal suosaad ao uosaad aq; o; ssaaxa ,Cue (a) pug :;uawna ;sui ,f ;lamas s►q; £q paanaas scans lln o; (q) :saaj ,sifauaogg a!gruosraa '01 pa ;lwtl ;ou ;nq 'gulpnpul 'ales aq; jo sasuadxa IIn o; (u) :aapao gu!Molloj aq; ul papidde aq I!egs ales aq; jo spaaaoad aq,L •ales Sue ;r Spadoad aq; asegaand ,few aaug!sap s ;t a0 aapua-i •n&gfi aigeallddy Cq paq!aasaad aauugw aq; u► plos aq I!egs ,fiaadoad aq; puu 'ales jo aaplou aq; gsllgnd Ilrgs aapua'- •Sj uo!pas up pap!AOad aauugw aq; u! a3A4oaao11 o; ales aq; jo aaplou an!g !lugs aapuari .mur1 aigeapiddv gl!mt aaugpaoaau u! 'lualamp 3! 'B aadoad aq; jo uo!ssassod u► uosaad aq; o; pug aamoaaog o; asopaaoj 0; ;ua ;w jo as for an!g Bugs aapua1 'ales jo aaMod aq; saKonul aapuari 3I •aauap!Aa ail!; jo s;soa pue saaj ,s,fauaoj 13 a!quuosnaa 'o; pa ;!call lou lnq 'gu!pnpu! 'ZZ uo! ;aas s!ql u! pap!Aoad sa!pawaa aq; gu!nsand ul paaanau! sasuadxa Ile ;oailoa o; palmua aq !lugs aapua-i 'Mwri alquanddv Cq pa ;pusad sappawaa aaq ;o uu pug airs jo aaA4od aq; Sum puu purwap aaq;anj jnogl!At ;uawnalsui ,C ;panaas s!q; fq paanaas scans Hu jo Hui u! ;uaw,fud a;rppawwp aambaa ,few uop ;do s;! ;u aapua-i 'aa ;ou aq; u! pal;paads a ;ep aq; aaopaq ao uo paana ;ou s! llnrjap aq; ji 'airs pug uo! ;eaapaae 0; aamoaaog jo asuajap aaq ;o ,fur ao ;map 11 Jo aaua;slxa -uou aq; passe o; uo!lau pnoa a gulag o; lgg!a aq; puu uo!;uaalaaau as ;,le a ;u;supa o; ;qg!a aq; jo aamoaaog maw! Japan.; Ilggs aa! ;ou aq,L •Spadoad aq; jo airs puu ;uawna;sui £;!anaas s!q; sq paanaas suns aq; jo uo! ;uaapaau u! ;insaa Xu1u aaDou agl u! pawaads am) aq; aaojaq ao uo ;In1Jap aq; aana o; aanlln3 lug; (p) pun :paana aq ;gnu linujap aq; gatgm% fq 'aamoaaog o; uan!g s! aa! ;ou aq; awl) aq; w0JJ s,fup p£ urq; ssal ;0u 'amp g (a) :;Inejap aq; aana 0; paambaa uo! ;ar aq; (q) :;Inujap aq; (u) :kjpaads Hugs aap ;ou aqy •(aspmMaaq ;o sap!AOad Awl aiqual!ddv ssa!un gj uop ;aas aapun uo!;gaalaaau o; ao!ad ;ou ;nq) ;uawna;sui S;!anaas s!q; u! ;uawaaaSu .10 ;uruaAOa ,fun Jo gagaaq s 2mAt0JIoj uo!;raalaaau 0; solid aamoaaog 0; aafou aAIS Hggs aapuari •sa!pawag :uo!;saaiaaay •ZZ :smolloj se aazgg puu luguanoo zaglznj zapuarl pug zamonog 'SINVNgAOD Y�i2IOdINI1 NON 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: 4 00 DAVID G TURNER by ANNA POOSER, ATTORNEY IN FACT ANNA C POOSER CD-6(WY) (99041 Borrower Borrower 472 (Seal) Borrower (Seal) Borrower (Seal) Borrower L o-na,;11%;;_______. (Seal) (Seal) Borrower (Seal) (Seal) Borrower Borrower Page 14 of 15 Form 3051 3/99 WASSOO STATE OF WYOMING, The foregoing instrument was acknowledged before me this September 15, 2000 by ANNA C. POOSER ATTORNEY IN FACT"` FOR DAVID G TURNER, UNMARRIED AND ANNA C POOSER, UNMARRIED My Commission Expires: 2/26/02 -6(WY) (9904) Teton County ss: 473 Initials: Page 15 of 15 Form 3051 3/99