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868564
A 11 1 iu 1 66/E ISOE WI03 1 1 1 11 •S2Ig1A1 (888) •Ia) '9Z0Z I1AI 'guild `9Z0Z xog •0•d To auogdalal pue ssaappe ue sm.! pug `a11MelaQ 3o mete! alp Japun Oupsixa pue paziue5JO si SgglAi •puawnapsul ,Cplanaas slip .iapun aa2e2p.ioui a H si Sggy\] •su8isse pug saossaaans s,Japuag pug Japuarl Joj aauiwou a se Alalos ;pupae si pegp uopeJOdaoa apeaedas a si sggyq •auI `swapsAs uopeapsr.&ag oiuoJpoalg aSAaoTAI st „sgaml„ (Q) •puawnapsul Swims s)q) Japun JaeSpaow agp si JaMOJJOg 000Z 'unoZ •9I uopoas ut papinoad oslg aJe )uawnoop sigp ui pasn spaom To aVesn agp 8utpae8ai salnJ uiepaa0 •IZ pug OZ '81 '£T 'ii suopoas ui paupap ale SpJOM Jagpo pue Molaq paupap ale puawnoop slip To suopoas aldpjnw tit pasn spaoM 9 596900VTOT- ZVTOOOT NII'T G 9 $rO Vd 21(1 )100 I CI A 3 -r T3v No 6680'AI Oe901 L6ZL 9(008) sWMOJ 39V0LH0W db'A emu, 9 L !o l abed (90 66) (AM)y9- SH3W HIIM 1N3Wf WSNI WMOlINf OW 1H3/yWN3 el ONIWOAM NYHOM a3I2111vwNII NY 2I3NNI) S HMV WHOM Si „.IaMOiIog„ (a) •puawnoop s]qp op Slam IIe twi Jagpa2op iequiagdes papgp si go►gnn `puawnoop s►qp sugaw „puawnapsui ,fpranoas„ (v) [eaeu ;fuppaoaag Jog auf situ anogd ands] [8555V6t] 56T59Z5E 'oN SNOI.LINIdg 1 33901110i 311"1 I00g 33S %f ae$ ;.,T©TAT scgZ ffi■ rni*o U 33S op 0131V scg1. uEO'I 99ZS -OZ058 ZY 'XIN3oHd OOE alIIIs I332IZS HS9T HON OIEL ANVdHOO HOYOS2IOH SN3?I a'Io :41 paaedaJd 9LV0 Z056V IN 'SaidV2i aNY2I`J VOZ xog •o•d NOISYSN3WIIOOa 'IYNI3 :NZZY ANYd4OO 3oVDJ ON LN3N a'Io :os uan)ag (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 20 2000 The Note states that Borrower owes Lender FIFTY THOUSAND and NO /100 Dollars (U.S. 50 000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2030 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Balloon Rider VA Rider Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Second Home Rider 1 -4 Family Rider Other(s) [specify] 603 (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" mean those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. etllr- 6A(WY) (9905) 106a02wy.0899 Page 2 of 15 0 Initia 5265195 [1945558] Form 3051 3/99 t'69 epiuI SI. 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Japua7 jo pailnbai uopae Aug avl of pue :Iflaadoad aq) Has pue asopaaoj 0l Ig2IJ aq) '0) pawn!' lou Inq '5ulpnpu! `slsaaalul asogl jo IIe ao ,Cu e aspaaxa of :Ig5la aq) set' (suNisse pue saossaaans s,aapuai pue Japuarl aoj aauluiou se) slim 'wolsna JO MEI q)JM Alduloa OI bessaaau ]I 'Inq 'Iuauzniisul SIlJnaas slgl ut Jamoaaog iCq palueu$ slsaaalul aql of app Ie5al Apo smog S2IHYAt IEq) SaaBe pue spuelsaapun Jamoaaog „•z uadoid„ agl se Iuaullulsul /fltanaaS slq) u! of paaaajaa S! 5uldaJo3 aq) jo IIV •luawn.nsul Munaas spy q paaanoa aq osle ins suoplppe pue sluawaaeldaJ IIV 1laadoad aq) jo IJEd a Jal Jo MOU saanlxg pue `saaueua)Jndde `sluaulasea IIe pue `Alaadoad aq) uo palaaaa aalleaaaq Jo Mou sluawanoadul! aq) IIE H.LIM 2IHH.LHOOI „ssaappV �ClaadoJd (apoD d!Z) Z L L£8 5ululo/CM [SI!�l Q2io3Q3s [!aaAS] QVOli ?I332IO A2i2I3sMY2ISS Z6S jo SsaJppe aq) seq icpuaaana gaPIM 00 SZ0OTIE8tV£ZT :aaquinN Ql Iaaaed 3032IHH S23'dd V 3GVI4 QNK Galloway o232IKH sI NOISdI2i0SHQ 'won [uopalps!m j du!paoaag Jo alueN] [uopa!psiun j Vu!paoaag 3o ad,C j] MOONI'I 30 A•■IIIOO aq) u! paleaol Xlaadoad paglaasap u!MoIIoj aq) `ales jo Jamod gllM 'SgHIA jo SUVISSe pue saossaaans aq) of pue (saIsse pue SJOSSaaans s,aapua' pue aapuaH Joj aau!wou se Slaps) s iai"I of Sanwa pue lima 'ae5IJouz Xgaaaq saop JamoJJOg 'asodind spp Joq •aloj\] aql pue Iuaulnllsul AIlanaaS spp aapun sluaulaai$e pue slueuanoa s,Jamoaaog jo aaueulJo aq) (q) pue :alo].[ aq) jo suopeaglpoul pue Su0lSUalxa 'SIEMauaJ IIe pue 'ueorl aq) jo IuawXCedal aq) (e) :Japua- of saanaas Iuawnilsul All1n3as sits, AIIIHd02Id HILL NI SIHOI2I AO 2IHdSNV2I.L •luauln.lsul ,fllanaas spp aoipue aloN aql aapun suopaIlgo s,Jamoaaog pawnsse set XIJed leg) lou Jo nippy 'AA)Jadojd aql of will uaajel seq leg) C)Jed SUE sueaul „JaMOJJOg JO lsaialul u! JOSSaaans„ (a) t9 N f U b8564 UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts 6A(WY) (9905) 106a04wy.0899 Page 4 of 15 Initial 695 35265195 [19455581 Form 3051 3/99 66/E LSO£ U103 [859906L] S6LS9ZSE 959 S L )o 9 abed 6680' 50 (S066) (A/W)/9- M aq) 2u; jTuapp aafOU a laming a4 Sew aapuaJ ')Uauma)SUJ Sluau)aaS Sxy) JaAO ijiaopd •upe)le UM gapgs uan a o) )aafgns s► Xlaadoad ag) jo lied Aug leg) sauguaa)ap aapua7 3I •)uauma)suI ,C)panaas spy) 0) uan ay) Supeuppaogns aapua'I 0) klo)aejspes )uauuaalSe UP lap ay) 30 aap;oq ay) wog saanaas (a) 10 :papn;auoa aae auppaaaoad tans ;pun Apo lnq Tutpuad aae auppaaaoad asog) alpgm tap ay) Jo )uauuamolua aLp luanaad o) a)eaado uopupdo s,aapuaj u► gaptm sguppaaaoad ;aal 'up uan at) jo luauzaaaojua ;sule& spuapap a0 'Aq tine; pool up uan aq) S)sa)UOa (q) :)uauxaaBe tans &Upucaojaad sl aamoaaog se 2uol os Sluo )nq 'aapua� o) a;ge)daaae aauueux a up uai aq) ,fq paanaas uopeSplgo at) jo )uauuhd ay) o) 2uppam up saaade (o) :aamoaaog ssa ;un )uawngsuI X)panaas TT; aano S)paocad seq gapgm uan Cue aSiegaspp ipdwoid pegs aamoaaog E uopaas tic pappnoad aauueuc aq) ut wag) Sed pets aamoaaog 'swan moaasg am swap asaq) leg) )ua)xa aq) oZ Cue 3p 's)uaucssassy pug 'wag 'sang uopepaossy A)cunUIUCO3 pue que Jp `JC)aadoad aq) uo s)uaa punoa 10 sluawhd p;ogaseal `)uauma)suI S)pnaaS spy aano 'World wile Uea yapgs iC)aad0ad aq) 0l apgeingpa))e suoppsodxup pug 'sang 'saaagga 's)uauxssasse 'saw IIe A d pegs aam0110g 'snarl :salt 17 aapua I Sq ;lag spund Aug aam0aaog of punlaa Apduuoad pegs aapuaJ 'luauma)suI 'C)panaas spg) Aq paanaas sums ire jo IIn3 u; )uauuhd uodn sluauu,Ced fC;q)uouu aAlam) ueyl wow ou up )nq 'VdSg2I yips aauepaoaae up buapapap aq) dn arum of £aessaaau )unplug aq) aapuag o) AEA ;pegs aam0110g pue 'ydSgg paambaa SP aaMOalOg iJp0u ;Iegs 19 U0'l 'VdSg2I aapun pautjap se 'moaasa up ;pay spund 30 Aauapapap a sp aaayl 3l •s)uauchd Appumu aAIam) ley) aim ou up lnq `ddSg21 tics aauepaoaae up aV0)aogs at) dn arcu o) k essaaau )unowe aq) aapual o) iced ins aamoaaog pue 'ddSgg ,Cq paapnbaa Se aasoaaog jpou pegs aapua'I 'VdSg2I aapun paugap se `mOaasa up p ;ag spund jo ae)JOts a Sp 0101) dI 'VdS321 g)pm aauepaoaae Uc spunj ssaaxa ay) ao3 la/Isamu o) )un0aae pegs aapua1 'ydSg2l aapun paugap se 'mama up p;ay spund 3o snpdans asp aaag) 3I VdSg2I Cq paambaa Se spund at) jo 2upunoaae ;enuue ue )notpm 'laming 0; anp pegs aapua' spund ay) uo ppgd aq pegs )saaa)up leg) 'aanamoq `Supcam up aaag1 lea aapual pug aamoaaog spund ay) uo au)uaea 10 ;salalui Cue aam0a10g Xed o) paambaa aq )oU ;puts aapual 'spund ay) uo pled aq o) )saaa)up saacnbaa me'I apggauddy .10 SU up apOuu s) )uaUCaaafe UP SSa)un 'amp a tans a)ietu 0) aapua'I s))ucaad mei a;geallddy pue spund ay) uo )saaa)u) aamoaaog sXed aapua' ssa)Un 'swan moaasg ag) SutS 10 1U1O33e MO13Sa aq; 2uczA;eue Allenuue `spund aq; Suufldde pue 5'upp;ot ao3 aam01a011 aaaega )ou Vets aapuaT •ydSgg aapun papcaads auxp aq) let) .10)0I OU suua)I nM013sg ay) hd o) spund at) A;dde pegs aapua7 •xlueg ueorl moll Ieaapad iCue ul 10 (paansup 0s 01E s)lsodap asogm uopin)psup ue s) aapuarl J) 'aapuarl SU)pnlaup) Silvia 10 'ifile)Uauma)su) qauaNe Ieaapaj a ,fq paansup aae s)psodap asOgm uOpn)psu) ue up ppag aq Timis spund agI apgeaplddy Epps 03u0111oaae u) aS[maag)o 10 swan moaasg mug 3o saanfpuadxa jo sa)gcupsa apgeuoseaa puu glee manna 3o spec) ay) uo anp spund Jo ;mom at) a)eUCpsa Vets aapual 'ydSgg aapun aambaa lea aapuap a ;mottle WflUUXeux aq; paaaxa o) )ou (Z) pue ydSg2I aapun paplaads a tm ay) )e spund ay) ,fldde o) aapua7 )puuaad 0l luacaIJns (I) )unoIUe ue up spund Nog pue papa 'awn Slue )e 'Sew aapua7 •E u0paaS spy) aapun paambaa lay) aae ley) '5)unouce tans up pug 'spund Ile aapuar o) /Cud I;eys aamoaaog '110p1JOA9a gaps uodn 'pue 5l uopaas glom aauepaoaae Li) uan)2 aapou a Xq awn Slue )e swam moaasg HE 10 /WE 0) Se aanpem ay) axlonaa AeUw aapua'l •)unouxe gans ,Cue aapuaZ o) i daa o) 6 uopaas aapun palegp;go aq lag) ins aaMOJJOH pue lunoute tans ,fed pue 6 uopaas aapun s)gSpa s)) aspaaaxa Kell aapual 'wan moaasg ue aoJ anp )Unouxe aq; fed 0) suer aamOJIOg pue 'aanlem a o) )uensand 'Spaam) swan soaasg Aed o) pa)13 );qo Sp aamoaaog 3I •6 uopaas up pasn s) „)Uacuaaage pug )Uguanoa„ aseagd ay) se ')uauuna)suI S)panaas spg) up pau)e)uoa )uama& pue ItIEU0A03 a aq o) pauxaap aq sasodand ;e au pegs s)dpaaaa ap)noad 0) pue s)uauuXed gans u0pe$plgo s,aamOaaog •aambaa Xeuu aapua1 se popaad awn gans upylpm )uauxiCed gans Supauapcna sld)aaaa aapua1 0) gs)uanj pegs 'sagnbaa aapua-I jp 'pue aapua7 ,Cq pan)em uaaq seg spund jo )uauL,Ced gags ao3 swan mOaasg Cue aoj anp 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(WY) (9905) 106a06wy.0899 Page 6 of 15 Initia 697 35265195 [1945558] Form 3051 3/99 66/£ LSO£ urioj I3SSSb6L] S61.S9ZS£ S l Jo L abed 6680' %LOE9OI m (So66) (AJyg- algeuoseaa Vu!Ced (E) pue yanoa uI sulaeadde (z) ')uauma)sui 'f)Ianaas slt)i aano /Cplaopd seq galgM uall a icq palms sums ,Cue Vu!Xed (j) 'o) papiucl] )0U aae )nq 'apnpul ueo suopae s,aapua7 •X)aadoad aq) Wulaiedaa ao /pue Supnaas pue 'if)aadoad aq) jo anlen aq) 2uissasse ao /pue 4upaaload 2utpnpul `)uatuna)sui Afilanaas sit)) aapun 9q41 pue X)aadoad aq) u] )saaa)ul s,aapua-j papoad o) aleladoadde 10 algeuoseaa sI aanapegM aoj iced pue op Amu aapua- uagi 'X)aadoad aq) pauopuequ seq aaMOaaog (E) JO (suopeln5aa 10 sMei aaaOJua o) 10 puaumapsui X)lanaas slip aano ,C)laopd ule))e Amu galgM uag a JO ivauzaaaoJua aoj 'aangajaoj ao uopeuuzapuoa aoj 'ap goad 'Xa)dn.queq ul 5uipaaaoad a se gans) )uaucna)sui S)canaas sit)) aapun ao /pue X)aadoad aq) uI maim! s,aapuarl palm Xpueagivacs )lMcu )eqp guipaaaoad le8ai e sI aaagi (Z) ')uauzna)suj iC)Iinaas slip uI pauie)uoa s)uaucaaaSe pue s)ueuanoa aqi maojiad o; Sile3 aaMOa1Og (I) 3I ;uaucna)sui iC ;lamas sIq) aapun s ;g8lg pue ,C)aadoad aqi ul Isaaa ;ul s,aapuar Jo uopaa;oid '6 •aauapisaa ledlaulad s,aaMOa1Og se Apaadoad aq) jo Xauednaao s,aamouog WUluaaaUOa suolpe)uasaadaa 'o) pa)Iarii )ou am inq 'apnpul suope)uasaldaa Ielaa)eyxl •umo-i aq) gilts uopaauuoa uI (uopeucaojul minim gplM aapua7 apinoad 0) palie3 ao) aapuai 0) s)uaaca)eps ao u0pewa03Ur a)eanaaeui 10 1urpeaisiur 'aslej /Cuepaapeuc axes )uasuoa 10 apaIMOU)I s,aaMOaaog q)IM ao Jamming 3O uopaagp aq) ie Vupae sappua ao suosaad Cue 10 aaMOIIOH `ssaaoad uolmalidde ueol aq) 2upnp 'jI )Inejap uI aq Ilegs aaMOaaog •uopeallddd ueoi s,aaMOaaog •asnea algeuoseaa gans 2up jpads uopaadsu] aolaa)u! up gans 0) ao!ad ao jo amp aq) )e aapou aaMOaaog RAO llegs aapua'j •X)ladoad al) uo s)uaucanoaduii aq) 3o aolaa)UI aq) )aadsu] Xem aapuaq 'asnea algeuoseaa set) )I JI 'A)aadoad at)p jo suopaadsui pue uodn sap)ua algeuoseaa alecu Xew iva2e 9) 10 aapuari 'uopeao)saa 10 medal gans jo uopaidcuoa al) ao3 uopaIigo s,aaMoaaog jo panaliaa )ou sI aam0aa0g ',fpaa(1oad al) aao)saa 10 aledaa 0) )uapUJns Iou am spaaaoad uopeuucapuoa ao aoueansul aq) 3i •pa)aiduioa sr voM aq) se s)uatuXed ssaaRoad jo salaas a u! ao )uaw/Ced lulls a ul uopeaopsaa pue satedaa at)) aol spaaaoad asangs]p Xew aapuaj •sasodand gans aoj spaaaoad pampa seq aapuaq 3! 'Ciuo X)aadoad aq) Nulao)saa ao Vulalmdaa ao3 aigisuodsaa aq !lugs aaMOaaog `A)aadoad aq) '3o 2uplep aq) 10 `o) a eurep q)IM uo]pauuoa uI pled am spaaaoad uopeuuzapuoa ao aaueansul 3i •aVeurep 10 uopeaopa)ap aagpanj plone 0) paeruep 3i IC)aadoad aq) aledaa Apducoad Heals Jawing 'aiglseaj XIlealurouoaa Iou sI uopeao)saa ao aledaa )eqp c, uopaas 0) )uensand paulucaapp Si )1 ssalun •UOplpuoa s)I 0) anp amen ul Suiseaaaap ao gupea0laapap uroa A)aadoad aq) )uanaad 0) aapao ul Apaadoad at)) uIe)uleuz ins aaMOaaog `Xpaadoad aq) uI Suiplsaa sI aaMOaaog )ou ao aat)pagM •,C)aadoad aq) uo apseM )Iucuzoa .10 a)eaolaa)ap 0) A)aadoad at)) moue 'iC)aadoad aq) aredrui 10 aeurep 'Ifoa)sap )ou ilegs Jamming •suol ;aadsui :,C)aadoad aq) Jo uopaa;oad pue aaueua)uleJAJ 'uoliexaasaad •L •l0a)uoa s,aaMOaaog puoAaq aae galgt )sixa saaue)sucnaap Supenuapxa ssalun 10 'piaggp!M )Cigeu0seaaun aq )ou Bells )uasuoa gaigM '$upiaM ui saaAe asixuagpo aapua' ssalun 'Jfauednaao jo amp aq) aa)3e aeai( auo meal )e aoJ aauapisaa ledlaulad s,aaMOaaog se ifpaadoad aq) Xdnaao o) anupuoa Hugs pue )uaurna)sui ,Cllanaas sit)) 3O uopnaaxa alp aaiye s,Cep iC)xis urt))IM aauapisaa ledpulad s,aaMOIJOg se X)aadoad aq) asn pue 'gsilge)sa 'Xdnaao Ilegs aaMOaaog •,Cauednaa0 '9 'anp uat)) )ou ao aat))aIM')uaucna)sui Ailanaas sit)) 10 a)oN al) aapun pledun s)unouze fed 0) ao ,f)aadoad at)) aao)saa ao aledaa o) aaq)la spaaaoad aaueansul aq) asn Xeuc aapua-i •X)aadoad aq) JO aSe1an0) al) 0) algealldde aae s)110p gags se aeJosul 'Xiaadoad aq) Vulaanoa sapllod aaueansul lie aapun (Tanning �Cq pled sumituaad pauamaun jo punlaa Xue op )112I1 at)) let)) aaq)O) s)01 s,aaMOaa0g 3o aat)po Cue (z) pue ')uauma)sui *anaas slq) aO apoN aq) aapun pledun s)uno= aq) paaaxa 03 Iou )Unouce ue uI spaaaoad aaueansul Xue 0) s)lAa s,aaMOaaog (I) aapuari 0) sugisse Xgaaaq aamoaa0g 'as!Maaq)o 10 ZZ uopaas aapun /C)aadoad aq) saa]nboe aapuaq 3) ao 'Juana aaq)Ia UI •uax!N sI aapou at)) uagM u)Saq ]IIM polaad 'Cep -pE aqj, 'lump aq) alms pue a)epoSau Amu aapual uaq) 'rulep g ap)as 0) paaain° seq aalaae3 aaueansul ag) )et)) aapua7 uuoai aapou a 0) s,Cep pE uit))IM puodsaa )ou saop aaMO1JOg 3i •saa))eur pampa pue uuela aaueansul algellene Xue alms pue a)epo2au 'Ng Xeru aapuaq `X)aadoad aq) suopuege aaMOaaog 3I Z uopaas u► aoj papinoad aapao at)) uI pagdde aq Ilegs spaaaoad aaueansul gans •aaM0a10g of pled 'Aug 31 'ssaaxa aq) 869 tn!NISO 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, C 6A(WY) (9905) 0 106a08wy.0899 Page 8 of 15 Initi G99 0 46 /35265195 [1945558] Form 3051 3/99 66 /E LS0£ wJOJ [8995b6 1.] S6L59Z5£ S l to 6 abed 6680 (loss) (AM)t/93121 Sig) Rulu8is -oa sI (e) „Jaais -03„ e) aI0N alp a)nzaxa jou saop jnq )Uawn1)Suj S)IJnaas siq) suds -03 oqM JaMOJ1og Cue 'lanaMOl:1 •jeJanas pup )uiof aq Hells S)ijige!I pU11 SuofeSi[go S,1aM0JJ0g )pip saalSe pue s)Ueuano3 1aM0J1011 °punog saisSy pue sjossaa3ns :sJauais -oa :Amen jeJanas pue )uiof •£I •Apawal Jo 1g2!J Sue jo asplaxa aq) apnIaald 10 JO JAM 11 aq IOU Bugs 'anp uaq) Iunouze alp um!) sSa3 S)UmOw11 UI 10 1aM0110g jo )sala)ui ui S10SSa3anS 10 sappua `suoslad pliq) wag 5)uawiced jo aaue)daaae s,Japuarl 'uopel1wii )noq)IM Apawai 10 )13231 Sue 5u!sp1axa ui Japua'I aaueleaglo3 Cud •1aMO11og jo )sala)u] u! sJossaaans Sue Jo Jamo110g ieuiO[lo aq) Aq pew pueuiap Sue jo UOS11a1 Sq )uauinJ)sui Swims slip 4 pumas stuns aq) jo uopezp10we Jipouu asitlalpo Jo )uauiied Joj awl) pua)xa o) asnjal o) Jo Jamollog jo )sal3)ui u! iossaa3ns Cue )suidp sSuipaaaold aauawwOD o) pagnbai aq jou ins Japua'j •1aM011og 30 )Sala1Uj UI sJOSSaaans ,Cue Jo JaMOJJOg 3O')iiigEii aq) amp.' 0) a3) iado Iou 'legs Jamming 30 )Sa1a)UI UI lossaaans Sue Jo Jamming 0) lapuai pa)ueJ8 )11awnJ)sui SIJnaas sigj palnaas swns aq) 3o uopezpl0we 3o uopeagipow 10 )uawiCed 103 awn aq) 3o uo1sua)xg •JameM a )obi Japuaq a3uiueagao3 :paseapu KIN JammJJOg 'ZI Z uop3aS Ili 10J pain/mid Japlo ay u3 pai3dde aq iipgs A)ladold 311) jo Jiedal 10 uoi)euo)sai o) paiidde Iou an )eq) spaaaold snoaue11a3sT} ii`d •lapuarl 0) pied aq iielis pue pau5Isse Sgalaq ale Spada',” aq) uI )saaa)UI s,Japua-I jo )uawJipdwi aq) 0) aige)ngil))e ale )eq) saewep Jo3 auto Jo Rime Sue jo spaaaold aqj •)uawnJ)suj S)jln3as siq) Japun s)gSi1 JO /C)ladold aq) UI )sala)w s,Japuari 30 )uawliedwi Iei1a)ew Jaq)o Jo A)1adO1d aq) 3o a1n)Ia31o3 sapnpaid ')uawapnf s,Japuaq Ili ')eq) 5uilnj p g)IM passiws!p aq 0) &uipaaaold Jo lion3e aq) uisne3 Aq '6i uopaas 11! pap1n0Jd se a)p)suial 'pa11n3ao 51113 110ve1aja3311 3i 'pue )in113ap a Bans am Ilea 1aMOJ1og •)uawnJ)SUI')ilnaas spi) Japun S)11SI1 JO ,C)Jadold aq) Ui )Sala)w s,lapua1 3o )uawl3edwi leila)ew 1313)0 10 ,C)Jadold aq) 3o a1n)ia3JO3 Ili )3nsa1 pinoa ')uaw2pnf s,lapuaq Ili ')eqI unSaq si 'Ieu3wpa Jo Iinia 1aq)a4M `Sujpaa3old J0 1103)311 AU11 J3 )3nejap Ili aq 331113513M011og •spaa30Jd Snoau11Iia3s3Y\3 0) p111Sa1 UI UO3)311 30 )1V3J a Se11 1aM0110g wO4M Aped aq) 10 spaaaold SnOaUeiia3SiJA 1aM01JOg S3MO )eq) Sped pJigl aq) sueaw „Aped 113soddp„ •anp tag) )ou 10 1ag)a1M ')uawnl)sul ifl!lnaas spy ,Cq pains swns aq) 0) 10 A)1ad01d alp 3o Jiedal 10 110111110)531 0) 1313)33 spaaaold snoauellaasm ag) ,Cldde pup )aa13oa 0) paziloq)ne 53 Japuai 'tams S3 a3p0u aq) 3)1111 94) lane siC11p p£ 'wpm JapUa1 0) puodsal 0) s3ie31am0110g `S3gewep 303 wieia a apimS 0) p1eMe U11 3)3ew 0) SJa33o (a3ua)uas )xau alp Ili pau33ap se) Aped $u3soddp aq) )1111) 1aMOJJOg 0) lapua'I Aq a3pou Ja)3e '3i 10 `1aMO11og Aq pauopuege si A)ladOad a1)) 3i •anp tag) an swns aq) jou 101aq)agM )uawnI)sui Sipn3aS 5313) ifq pawns swns ag) 0) pat1dde aq ]legs spaa3oJd snoaueiia3sm ag) '2upi1M Ili aa12e asimlaq)o Japua-I pup 1aMO1JOg ssalun 'amen Ili 5503 Jo `uop3nJ)sap 'Supje) jelled 311) alojaq Aja)eipawwi pampas swns aq) 30 )unowe aq) ueq) 5533 s3 amen u3 5503 J0 `uo3)afJ)sap 'Sui 311) piped alp 3103ag Sia)e3paww3 'Spada'," aq) 3o amen )3)11pw 13113 alp 4334M Ili X)Jadold agI 3o amen Ili 5503 Jo `uoi)anJ)sap `$up(e) piped 11 3o )Ilona ag) uI °1aMoJJog 0) pied aq netts 3311113118 Cud °anjen u3 ssoj 10 'uo3pnl)sap 'Sure) levied ag) alojaq Ala)11ipaww3 A)Jadold 311) 3o amen )9)jlew JIe3 aq) (q) Aq pomp amen 113 SSOI 10 'uoi)3fJ)sap 'tune) mind 311) aJoJaq Sla)e!pawwi paJn3as swns aq) 30 )un0w11 311)0) aq) (e) :uonael3 &ilmollo3 alp ,fq paijdA1nw spaaaold snoaue11aas3JAj aq) 30 )unowe alp ,Cq pa3npal aq Hugs )uawnl)sui 'C)ilnaaS stip 4 pan swns aq) 'S11viiM Ili 3918e asiM13430 Japuari pue Jamming ssaiun 'amen Ili SSOJ 10 'u0iI3f1)sap '2ui)3113 1elped alp 310313 iCia)e3pawwn )uawnJ)suI Animas 534) Aq palnaas swns aq) 30 )11nowe all) 1111133 13)11312 10 0) ienba sI amen 113 5503 10 'uo3)3n1)sap '8UO311) piped alp) a103aq Xja)e3Pawwi SJadold 311) 3o amen )3)jlew 1)113 313) gaigM Ili A)Jadold a1)) 3o amen Ili 5501 10 'u0p3n1)sap 'Stipp) iepled 11 Jo Juana aq) uI •1aMO11og 0) pied 'Cue 3i `5533x3 ag) gIIM `anp 113p) )011 10 1314)agM `)Uawnl)suI Animas sly ifq paJn3as swns 313) 0) pai)dde aq 1111115 spaaaold SnoaU11i1a3SIIAI aq) 'Spada'," 3131 3o amen 113 5503 Jo 'uo33nl)sap '2113)311) 311)0) 11 30 Juana ail) Ili UO3)3as 113103 p3p!Aold 133)10 alp u! paijdde aq jl11gs spaa3oid snoaue11a3s33A3 p3uS •Jamollog o) pied '.Cue 3I '5533x3 311) g)IM 'anp 1134) )011 10 Jaq)agm 0 o 6A(WY) (9905) 106alOwy.0899 Page 10 of 15 obcis 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 Initi 701 35265195 [1945558] Form 3051 3/99 66/£ LSOE waoj [999Sb6Li S6L99Z9£ u l.4 Mud SL JO LL abed 6680q^^1 1e901 (s066) (Am)V9-131 VdSd2I uopeuJOlut Jag)o Cu e put apew aq pinogs s)uawSEd gatgn 0) ssaappe aql `Jaatnaas ueo-1 mat ag) to ssaappe pue aweu aqa a)els !gm tplgm a;Iuiga aq) to aapou ua)ltan uant2 aq !Its Jamming 'aaatnaaS ueoi aqa to a;Iuega E st aaag) lI •aloN aq) to ales a 01 paleIaaun aaatnaaS ueo7 ag) to sa$uega aaow Jo auo aq )g;Ilt ow anti! •ne' algeatlddy pue ')uawnalsul S)IJnaas sop 'aloN atp aapun suopegtlgo guptAJas ueol a;Ie;I)JOu aaq)o suaolaad pue Iuaumalsul S)tanaas sop pue mom aq) aapun anp s)uawked atpotaad s)aalloa )Eg) „aaatnaaS ueo'I„ ag) se unou)I) Smug aq) ut a2uega a ut Ilnsaa )g; to ales y 'Jamming 0) aapou aotad )nogltm saw!) aaow 10 auo Nos aq uea (luawna)sul'ltanaas sop u)tm Jag)ago)) al°N agl ut )saaalut lepaEd a Jo OWN ags 'aauenap9 to aapoN :aaatnaaS ueoi JO aSueu :a1oN JO NES '0Z •81 uopaaS aapun uopeaalaaae 3o asea aq) uI Sldde )wu !legs a)e)sulaa 0) mgt.) sly 'Jasanoll •paaanaao peg uotlempaae ou lI se ast)aalla AIR utewaJ !legs Sgaaag pampas suope;Illgo pue )uawnalsul Swims sop 'Jawing /Cq )uaua)e)sutaJ uodn •aa spun,q atuoJ)aaIg (p) 10 Smug 10 iCltji)uawna)su1 'Saua;Ig !Eaapa3 E A paansul aaE s)Isodap asogn uopnitlsut ue uodn unneap st pap gans Xue paptsoad 'pap s,aatgsea Jo vaga s,aaanseaa) Vaga pug '4aaga pagpaaa (a) 'aapoo Sauow (q) 'gsea (e) :Japua'l Aq palaaIas se 'swaol gutmollol aq) jo aaow Jo auo ut sasuadxa pue suns )uawale)sutaa gans iced la/Isamu mg) aatnba1 hw aapua' •pa$uetpun anupuoa IIegs 'luawnalsuI S)tanaas sop A pampas stuns aq) iced 0) uopegggo s,aamoaaog pue 'luawnJlsul'Cltanaas sop aapun s)q;Ita pue Spadoad atll u! lsaaalut s,aapuaj leg) amsse 0) aatnbaa Algeuoseaa Amu aapuarl se uopae gans sale) (p) pue :)uawna)suI A)tanaas sop aapun pue AlaadoJd ag) ut )saaa)ut s,aapuarl ;Iutpa)oad to asodand ag) aol paaanaut saaj Jaglo pue 'saaj uopenlen pue uot)aadsut Slaadoad 'saaj ,sSauaoge algeuoseaa '0) pa)twt! lou )nq 'gutpnput')uaun1)sul ,Cltanaas s!q) ;Iupaolua uI paaanaut sasuadxa Ile shd (a) :sluauaaa;Ie Jo s)ueuanoa Jay() Sue jo )Inelap Cue saana (q) :paaanaao peg uopeaalaaae ou It se a)0N aq) pue )uauna)suI X)tanaas sop aapun anp aq mom uaq) gatgm suns IIe Japua-1 sited (e) :JanoJJog mg) age suoptpuoa asogl, •luaunJ)su1 Sltanaas sop ;Iupaolua )uawgpnf a to Salta (n!) so :a)E)sutaJ 0) )qua s,JanoJaog Jo uopetgwJa) ag) Jul Slpads lq;Itw Mr algeatlddy sE potaad aaq)o gans (tt) :luawnJ)suI ,Cltanaas sop ut pauteluoa ales to Jamod Aug o) )uensand S)aadoad ag) to ales aaolaq sXEp asi3 (t) :lo lsatlaea aq) 0) Jo!Jd aup MIe )e panupuoastp )uawnJ)sul Swims sly to )uauaaaolua aseg 0) Ig;Ip aq) aseg !legs Jawing 'suoptpuoa ulelaaa s)aau Janoaa0g 31 •uot)eaalaaad Jolly ale)sutau of lgOtu s,aannoaaog •61 'Jawing uo puewap Jo aapou aaglanl )noggin )uauna)sul SC)IJnaas sop Xq pa)ltuaad satpawaJ Cue wpm!! Xeu Japuaj 'potaad sop to uopeatdxa aql 0) Jopd suns asatp Aed 01 duel aanoJJOg lI •luawna)suI Swims stgl Aq paanaas stuns IIe )snw Jammu gatgm utgltm 51 uopaaS glum aauepaoaae u! uast8 st aapou aql amp atp wool sAep 0£ um)) ssa! )ou JO potaad E aptnold IIegs aapou agy •uopeaalaaae JO aapou aamoaaog aA!8 pegs aapuarl 'uopdo sop saspaaxa aapuarl lI 'Mel leaapal Aq pa)tgtgoad s! aspaaxa gans I! aapuar Aq paspaaxa aq )ou IIegs uopdo stq) 'aanamoll •)uawna)suI S)tanaas stgl A pampas scans IIE to Itnl u! Iuaw1Ced a)Etpaww! aatnbaa Sew aapuai yuasuoa ua)ltam aotad s,Japua1 lnogltm (paaaajsueJ) 10 plos s! aamoaaog ut )saaa)ut Iepuauaq a pue uosaad Ieanleu a lou Si aamo1JOg It so) paaaalsuea) Jo plos st /flaadoJd ag) ut )saJa)UI /WE 10 iC)Jadoad ag) JO )Jed /Cue Jo IIe 3I •aasegaand a 0) amp aJn)nl ale Jawing A app to aalsueal aq) s! gatgm jo maw! aq) ')uawaaJ8e mo1asa 10 )3e1)u0) sales mammal! 'paap awl )3e1)UO3 'pap awl puoq a ut paaaajsueal s)saaa)uI Iepclauaq asoq) '0) papal!! )wu )nq 'Sutpnpu! 'iC)Jado1d agl ut )saaalut lepgauaq 10 legal ,Cue sueaw „,C)Jadoad agl uI )saaalul„ '81 uopaaS sop ut pasn sy •Jan01J0 ut lsaaa)uI letagauag a 10 £1Jado1d aq) to JalsueiJ •81 •)uawna)suI SltanaaS sop to pue a)oN aq) jo Xdoa auo uant8 aq !legs JanoJaog •,Cdop s,Jamou0g *LT 'uopae Cue a)le) 0) uope8tlgo Cue lnog)tm uopaaastp alos sastg „Sem pa0M ag) pue 'man gals pue leanly aq) apnput pue teat !legs ae)n8uts aql u! spJOm (Z) 'aapua8 aututwal agl jo spawn Jo spoon Ja)nau ;IutpuodsaJaoa apnput pue ueau IIegs aapua8 autlnasew aq) to spawn (1) :)uawna)suI X)Ianaas sop u! pasn sy •uotstnoad gupatlluoa ag) wows palls uanl8 aq uea gatgn a30N ag) 10 )uawna)sul X)pnaas sup to suotstnoad Jag)o )Jape )0U Hells )011luO3 gans 'ne'I R -1 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. 6A(WY) (ssos) 106a12wy.0899 Page 12 of 15 Initi 703 5265195 [1945558] Form 3051 3/99 66/E 1.50E WJOj [8SSS66L] 96LS9Z9E 1!Ul sLJoELe6ed 6680' £ie90i (so66) (AM)v9 -0) •5ujuioXM 3o sMpj uopdwaxa ppajsawoq alp jo an ;ajn pue aapun sjgSja jjp sanjeM pup saseajaa aaMOaaog •saanj2M 'i7Z .Me' ajgeajjddv aapun pajjjuuad sj aaj aq) jo 2u15aetp aq) pue paaapuaa saajnaas aoj A ;apd parq; a o; peed sj aa3 aq) j! Ajuo jnq `juaumajsui Ajjanaas sjgj utseajai ao3 aaJ a Jawing amp Xew aapuaj •sjsoa uopepoaaa Aug iced jjegs aamoaaog •juawnajsuj 'Cjjanaas sup amp.' !legs aapuai `juawnajsuj Ajpnaas sup Aq pampas sums Hu jo ;uauuhd uodn •aseapag 'EZ ;j of pappua ,fjjaaj suosaad JO uosaad ay; o; ssaaxa Aug (a) pue ;uatunijsui Symms sty; Aq paanaas stuns nu o; (q) :saa3 ,sSauaoie ajgeuoseaa '0; pa;jtujj jou ;nq '2ujpnjauj 'ajes ay; jo sasuadxa He 0; (e) aapao VUIMojjo3 ay; uj pajjdde aq Hugs ajes ay ;o spaaaoad aqj •ajes ,Cue je kjaadoad ay; asugaand Sew aau&sap s ;j ao aapuari MEri ajgeajjddd A q pagjaasaid aauuetu ay; uj pjos aq Hugs A ;aadoad ag; pue 'ales jo aaj ;ou ay; gsjjgnd Hugs aapuai •sj uoj ;aas uj papjnoad JODUMU ay; uj aamoaaog o; ales ag; 3o aaj ;ou amS Hugs aapuari Me i ajgeajjddy gym aauepaoaae uj ';uaaa3j p 3j `,C ;aadoad ay; jo uojssassod uj uosaad ay; o; pue aaMOaaog 0; asopaao3 o; wavy ;o aapou anjV Hugs aapua•i `ajes jo aaMod ay; sarnuj aapua7;i •aauapjna app jo s ;soa puE saa; ,s,fauao ;E ajgeuoseaa `o; pa ;utujj ;ou ;nq '2ujpnpuj 'ZZ uou ;aas sjg; uj papjnoad sajpawaa ay; 5ujnsand uj paaanauc sasuadxa He papa o; paj pua aq Hugs aapuari Me'i ajgeajjddd ,fq pa ;;jwaad sajpauuaa aag ;o ,Cue pue ajes jo aaMod ay; alonuj ,few pue puetuap aag;an3 ;noy;jM ;uatuna ;sui Symms sjg; £q pampas stuns He jo jjn3 ut ;uaw,Ced a ;ejpawwj aajnbaa ,few uopdo s ;j ;e aapuai `aapou ay; uj paj3Tads amp ay; aaopaq ao uo paana jou sj ;jne3ap ay; 31 •ajes pue uopeaajaaae o; aaMOaaog JO asuajap aay ;o ,Cue ao ;jne3ap jo aaua;sjxa -uou ay; ;aassi 0; uoj ;ae ;anoa a 2utaq o; ;q&a ay; pue uopeaajaaae as ;3e a ;e ;sujaa o; ;y&a aq; jo aaMOaaog wao;uj aayaan3 !legs aaj ;ou ay,i, •,C ;aadoad ay; jo ajes puE ;uatuna ;sui S ;janaas sjy; Aq pampas stuns ay; jo uopeaajaaae uj ;jnsaa Sew aapou ay; uj pagpads amp ay; aaonaq ao Uo ;jne;ap ay; aim o; amine.; jug; (p) pue :paana aq ;sum ;jne3ap ay; gajyM ,Cq 'aamoaaog o; uanjW sj aapou ay; am) ay; woa; s,Cep HE um') ssaj ;ou `amp a (a) ;jne3ap ay; aim o; paajnbaa uopau ay; (q) ;jne3ap ag; (E) :AjTads Hugs aapou ays (asiMaag ;o sapjnoad Mel ajquajjddtd ssajun gj uopaas aapun uopeaajaaae o; aojad jou ;nq) ;uawna;suj ,f ;janaas spy uj ;uawaaa2e JO ;ueuanoa ,Cue jo yaEaaq s,aaMOauog uopeaajaaae o; aojad aamoaaog 01 aapou anjg Hugs aapuaZ •sajpatuag :uoj ;eaajaaav •ZZ :sMOjjo; SE aaa2p pup jueuanoa .iagjan; .iapuaj pup aaMOSaog 'SINVNHAO0 Vft1O3INf1 17 01« t7 1'S!) 0 O 8564 Witnesses: N CD- 6A(WY) (9905) 106a14wy.0899 Page 14 of 15 MA ANNE SKINNER 7o 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. Seal) Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 35265195 [1945558] Form 3051 3/99 66/£ LS0£ waoj I8SSSti6LI 96LS9Z9£ :ss ijunoo ,JV 7,/ RM UI 91. 1 St a6ed 6680' STE90l (9066) (AM)v9- �YY mom. +fig •L` ID 4 wand AHY10N- b3188YH'Q M8VV( :saardxg uoissiuzuiog SIN xsMNINs MN? V14111oN �fq 000Z z agiva3dag Jo 'Cap 1 14OZ slip auz a.mjaq paSpaiMou sung luaum.psul 5'ulo2aJo3 aqd, `ONINIOAM 3O 3IV S Ob GS 6 EXHIBIT A Legal Description for Norma Anne Skinner 707 Portions of the SW'/aNE /a and the SE /a of Section 31, T34N R118W of the 6th P.M., Lincoln County, Wyoming located South of the centerline of the Strawberry Creek County Road No. 12 -126 and being more particularly described as follows: BEGINNING at the Center Quarter Corner of said Section 31 and running thence N 34 °10'59" W, 618.99 feet, more or less, to the beginning of a curve to the right in the centerline of said County Road and having a radius of 1909.859 feet; thence running Southeasterly, along said curve through a central angle of 20 °26' an arc distance of 681.111 feet to a tangent line; thence S 63 °45'05" E, along last said tangent line, 202.64 feet to the beginning of a 19° curve to the left having a radius of 301.56 feet; thence running along last said curve through a central angle of 20°16'05" an arc distance of 106.674 feet to a point on said curve; thence leaving said centerline and running South, 208.45 feet, more or less, to a point in South line of said SW 1 /aNE 1 /a, said point being 728.00 feet N 89 °44'53" W from the Southeast corner of said SW thence N 89 °44'53" W, 587.08 feet to the POINT OF BEGINNING.