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Home My WebLink About86796811 iii [X ij 1 011 asogm pug 101 st zo2e2izow ata 1 11 1 „ssazppd Aizadozd [0po3 d►Z] "9NIWOAM 'A1Nf10O NlONI1 JO )1/1313 3H1 30 33I IJO 3Hl NI 098955 •ON 1N3Wf1211SNI SV T861 '8 l I21dV 0302103321 303213H1 ldld 1VI3I330 3H1 A8 NMOHS SV S3113H3Nd21 IS2103 JO TT 101 :5unuosm `iiiuno3 Nl03NI1 ui paieooi Aizadozd paquosap 2uimoiio3 agi `ales jo zamod gitm `zapuai of hoot°° pue iuez2 Wallow Agataq swop iamoxzog `asodznd spp iod •aioN agi pue ivawntisui Aiunoas spp zapun sivawaaiSe pue siueuanoo s,zamozzog jo aoueuuopad agi (o) pue `luautnnsul Aiunoas spp jo Aiunoas agi loaloid of L gdezfei d zapun paouenpe 'ma'am! think `stuns .tarp° iie 30 luautied atp (q) :a20N agi jo suotieotjtpow pue suotsuaixa `sigma= iie pug 'isazaiut tpp `a1oN atp paouapina igap atp jo ivawhdaz alp (e) :zapua-I of saznoas luaunuisui Alunoas s]qj 0£OZ 'TO dagwe.daS uo aigeifed pug anp 'Jag= pied iou 3i 'Nap titq atp gum `sivaw,Ced Aigiuow zo3 sapunoxd goit[m „aioN ivawtulsul Aiunoas stgi se amp awes agi pomp aiou s,zamozzog .iq paouapina si igap sig1, 0000O •S"n) SJRII °a jo wns iedtouud agi zapua•I sank° .amozzog „zapual VOI213WV JO SILVIS 031INl 3H1 lueq s8u Vines paJa ;Je S i iejapaj P "O'S'3 'NNVB 3VWAONI of uant$ si ivawnzisul'iunoas spa zamonog 33IM 0Nd 0Nd8Sf1H S113M 41 von 0Nv S113M V AM V9 OOOZ 's3 sn6ny uo uani2 st („ivaumzisui 'ilunoa 1) aovoillov SIH.L 8L£LT L q N 0'I aDV ,L2IOLAI za wn c E aOdd xa x00g t I F �t a �'L 1! 1 d3S U� a3AI3038 [ele0 kutpaoaag aUfl spa aAogv ands] 896L98 bAM /-2. :sleiliul 9 to L eBed 16ZL SWk104 30\191130W dWA E6 /Z L Papuewy zo 1601761 (AM)H9 06/6 L50C wood 1N3LNflli.SNI Vd HOdINfI OWIHd /VWNJ al 8TT£8 $unuoIiM VN1.3 '3NV1 S L£ JO ssazppe agi seg go]gm 0080020 eZ6T9£ :zagwnN Tooled 00T /00 PU SnOyl -J paipunH au0 T0Tt6 VD 'VN30VSVd 3f1N3AV 3)IV1 H1210N SST st ssazppe jo sme[ agi zapun SuUSixa pug paziuuSlo si gomm 819Z6 VD `aNIIAHI HAIM U LNiaa S9SL '11'S•1 `MINIVH DVI4IA INII :Aq paiedaad LSL£TO7.n 326 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 0 -6H(WY) (940302 DDS -WY4 Page 2 of 6 Form 3051 9/90 Initials� vv'`� riz y 06/6 L60C wind 9 bAM zo lsob6) (AM)H9- anzasaz SSO •aoueznsut aggguom 3o nap ui anzasaz SSOT a se sfuaWIigd asap uigiaz pug asn idaom inn zapuai •iaa33a ui aq of pasmao zo pasdul aggzanoo aougznsut ail uagm zamozzog Aq mud gutaq tunnuazd aougznsui aggguoui ApuaJi rjo g13laMl -auo of lenba wins g iluout soma zapual of Xed Tlgis zamozzog `algeligng iou st aggzanoo aoumnsut ageglzouz lualmntnba Aip uelsgns 3I •zapua1 panozd& zaznsui aguguoui ma'am ug Luoz3 `100330 ui Alsnotnazd aougznsut °Sallow agl jo zamozzog of fsoo atll 01 lualgnmba Ajenuelsgns lsoo m lm `1oa33a lit Alsnoinazd aougznsui argil= atll of lualgninba AIlmlumisgns aggzanoo uieigo 01 pazinbaz suinnuazd alp hd nulls zamozzog 'raga ui aq o1 sasgao zo sasdgl zapun ,iq pazinbaz aggzanoo aouuznsu! agmguotu ail `uosgaz Aug zo3 `3I •100330 ui aougznsut agggizoui atll uigluigui of pannbaz sumnuazd alp ,it:d Timms zamozzog luaumzlsul (u.moas sill Cq paznoas ugol alp guplutu jo uotltpuoo g su aougznsui aguguom paunbaz zapua-1 3I •aaueansuI a uglaojtj •g luatuAed guilsanbaz zamozzog o1 zapuarl man aouou uodn 'maim! qum `algehd aq Timis pue algz a1oN all lg luautaszngstp 3o amp ail map lsazalui nag Tmgs sfunottm asap `fuatuAnd jo swim zailo of aazgg zapual pug zamozzog ssalun •luatunzlsul Aliznoas sup sq pamoas zamozzog jo lgap Tmuopippg amooaq Hugs L idgzggzmd stgl zapun zapual Aq paszngsip slunoui Aud •os op of anti iou swop zapua-T 'L tlduzgezt:d sup zapun uotlog mmi Agtu zapuarl ggnotply •sztgdaz alum of Alzadozd alp uo guualua pug saa3 ,sAatuolig algguosgaz gu!X d 'unoo ui guuuadde yuawt ulsul 'CUm°as sup zan0 Auzoud sgq gotgm uail a paznoas stuns nitre gui,Ced apnloui htu suopog s,zapua-I •Auadozd ail UT sfigu s,zapua' pure Auadozd agl 3o antgn atp loalozd of iiiessaoau st zanalmt;m zo3 Agd pug op Amu zapun tail '(suotlgjngaz JO sMgl aozojua 01 JO azn 10 uougunuapuoo zo3 `afmgozd `Aoldn1jugq ui gutpaaoozd g sg lions) Auadozd ail ui slggiz s,zapuael ioa33g Rptreog►ugts 1mi1 gutpaaoozd Tggaj g sT amp zo `luatutulsul Alunoas su lit pautgluoo sluatuaazgg pure sluguanoo alp tuzopad of sim3 zamozzog 3l •Alaadozd ail ut ROTH s jo uonaalo.id •L •gut2UM fit zagzaui ail Ol saazgg zapuaJ ssalun agzam iou Timis app aa3 atT1 pug plotlasual atll 'Amdahl ail of app aa3 sazinbre zamozzog 3l •OSROI alp 3o suoisinozd ail nu qum ATduuoa netts zamozzog `ploq sgal g uo si luatutulsul'f2Unoas sup 3I •aouapcsaz Tedtouud u se filmdozd alp jo buednOOo s,zamozz0g gutuza3uo0 suou 3uasazdaz `01 paliQ mu 1nq `guipntoui `aloN alp Aq pa3uapina ma aril tpim uopoauuoo ui (uotigtuzoJui Imizafguz Aug tpim zapua-I apinozd of papg3 zo) zapua-1 01 Sluaui0121S 10 110tfgtizoju1 algzn33gut z0 OSIRJ /Ilgizalmu anug `ssaoozd uopgoHdde ueol ail guiznp `zamozzog 3I llneJap ui aq osle Tlggs zamozzog •Jsazalui ICuznOas s,zapuarl zo luatunzlsul Ammaas stir sq palgazo tail am 3o fuauuledtui Igizalmu zaglo z0 Auadozd aTT1 lit maim! S l MOzzog Oil JO aznlia3zo3 sapnloazd `uotiguluuafap glig3 poog s,zapuaj ui `1gu1 guilnz u gum passnusip aq 01 guipaaoozd zo uotlog ail guisnga ,iq 'gT idgzggzgd ut papinoid sg `almisuiaz pug ung3ap g ions azn0 Auui zamozzog •JsazalUt Altmoas s,zapua7 10 2Uatunzlsul iCUznoas sill iq palgazo ua!T ail ziedtut Appal= astMZ0tp0 JO ,i1z0dozd OM 3o aznlia3zo3 u! 1Tnsaz pino0 luatugpnf glig3 poog s,zapuarl lit leg1 ungaq st `lmunuizo 10 limo zaglaiM `guipaaoozd zo uo!IOR aznlia3zo3 Aug 3i 1ingJap ui aq Timis zamozzog •Auadozd amt uo a1sgM iji.umoo 10 'algzoualap of Alzadozd agl molls 'Auadozd all ziudtui z0 aggunup `Sozlsap iou Hggs zamozzog •lozlUOO S,zam0zz0g puoAaq azm IOi1M lstxa saOuelsuin uo gupgnualxa ssalun zo 'plai i uM ,CTgguosgazun aq iou hugs luasuoO t lqm `gutf!M lit saazgg asptuatpo zapuaJ ssalun '1iougdn00o 3o amp ail za13g zma,i auo 1sgai 114 zo3 aouaptsaz Tgdiouud s,zamozzog sg Auadozd an Adn000 01 anutluo0 imp pug luatunzlsul Altman sup 3o uotlnoaxa a zags sJCmp AJxts uigum aouaptsaz Tudtouud s,zamozzog se ,ivadozd aqi asn pug `gsgqulsa `Adn000 Tlggs zamozzog •splogasen :uot;eallddV ueo7 mamoaz0g :Blzadoad aqi jo uotlaaload pue aaueualulejAI 'uoi;enzasazd qauednaa0 9 •uOptsinboe ail 01 zoud JCTa1gipaunut luamtulsul Alpn0as stir Aq paznoas sums Oil JO luafxa alp 01 zapua1 of sod Ilggs uoiusinbOg am 01 zoizd Slzadozd ail 01 aggtugp uuoz3 gupinsaz spaaoozd pug saioilod aotreznsui Aug o1 iggp s, zamozzog `zapua-1 ,iq paunboe si Auadozd alp Iz idgzggzgd zapun 3I •sivam1fed am 3o lunouue ail aguggo zo z pug I sgdezggJed ui 01 pazzaJaz sluatuhd iCTgiuot11 ail 3o amp anp ag1 auodlsod JO puma loll hems Tmdiouud o1 spaaoozd 3o uopg0ildde Aug `guizm 11t aazgg asiMZaglo zamozzog pug zapuai ssalun •uanig s! aOpou all uagM uigaq TT ?M potzad' P -p£ at, •anp tall mu .10 zaglaUM `JuatufJIsul LCljznoas sup Aq paznoas stuns d of 10 filmdozd an azolsaz JO zigdaz of spaaoozd aqi asn ,imui zapua-1 •spaaoozd aOugznsui all 130TIoa iCgui zapua'l tail 'J uielo g aalfas o1 pang() sgg zaizzgO aOtremsut 0141 imil zapun tuoz3 ao110u a siCep pl; utluM zamsug 1011 S00p z0 `Xlzadozd alp suopuggt; zamozzog 3I •zamozzog of pied ssaoxa /Cue gum `anp ua iou JO zagla1M luaunulsul JlunOas si141 (q paznoas stuns ail 0l paildde aq hugs spaaoozd =Truism attf 'pauassal aq pinoM Auzn0as s,zapua1 z0 algisga3 IITg0ltuouo0a iou st zredaz JO u0i1mz0JSaz ail 3I •pauassaJ iou st ilun0as s,zapun pug algisea3 ijlg0nuouo0a st zigdaz zo uOtlezolsaz ail 3I `paggump Alzadozd ag13o zigdaz 10 uotlgzoisaz o1 pa iddi aq imp spaaoozd =rum! `gutlizm lit aazgg astMZailo zaM0zz0g pug zapual ssalun •zamozzog ,iq 'Cpdtuozd apgtu iou j! ssoi 3o 3oozd 0)lgti Arm zapuarl •zapual pug zatzzgo a0ugzns11i am Ol a0p0u ldutozd anug hugs zaMOZZOH 'ssol 3o Juana atll uT •sa0tlou TeMauaz pug sum mud 3o sldta0az IIu zapua-I o1 anug Apduiozd Ileis zam01z013 `sai nbaz zapua-I .n •slemauaz pug sa!Oitod 0141 pToq of 1g8iz alp anug Timms zapua1 •asngl0 aggguotu pzmpuels g apni0ui Ilmis pug zapun 01 alquida00m aq imp sjgMauaz pug sapiod aotreznsut ITd •L gdgzggzgd g1!M 00trepzo00g ui zCuadozd agl lit slggu s,zapua-T loalozd of aggzanoo urelgo `uondo s,zapua7 le 'Amu zapua-1 '°nogg paquosap aggzanoo urelutgtu Ol slig3 1OMOZZOH 3I .Platinum Algeuoseazun aq iou Ilgtts tt0igm Tunozddg s,zapuarl 01 lOafgns zamozzog uasog0 aq Ilggs aOueznsui am guipinozd zaizzg0 aougznsut a1Z •sazinbaz Japuai imp spouad 0141 zo3 pug siunotug 0111 lit pauigiuteut aq Hugs a3ugznsui spa •a0ugznsu! sazinbaz zapua -T gotgm zo3 `guipoon zo spooi3 gutpnIout `spzuzgg 10910 Aug pug „08 10A00 papualxa„ uuaf ail uiguM papnloui swung 'az13 Aq ssoj lsuregm paznsut Auadozd ail uo pap= zaljgazai zo gupsixa Mou sluatuanozdtui atp daa)T netts zaMOZZOg •aaueznsuj ,ilzadozd ao paezelK •s payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower'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 may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument 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 under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. C11) ®6H(WY) (9403).02 DDS -WY4 Page 4 of 6 328 Form 3051 9/90 Initials: �V cr/ t &M-saa zacsots) (Am)H9-� :sle[UUI 06/ WJOd o; ales aq; jo aat ;ou anig Mgrs aapual °noel alggalldde glint a°uupaoaag ut ';uaaa33lp 31 ',f3aadoad aq; jo uotssassod ut uosaad aq; o; pug aamoaaog o; asopaao3 o; mug jo aat ;ou anlg hogs aapuari 'ales jo aamod ag; salonui aapua' 3I •a°uapina app 3O s;sOa pug saa3 ,s,Cauaopg algnuosuaa 'o; pa1zuxti ;ou ;nq 'guipnpui iZ gdeageagd sup ut papinoad satpatua' aq; gutnsand ut paaanaut sasuadxa lie ;°alloy o; pappua aq Mugs Japua' •mni algealidde Cq pa ;;tu nd sazpatuaa _taw ,Cue pug ales jo aamod aq; aMonut Ague pug puwuxap aaq;Jn3 3noq;zm ;uatunJ ;sui ,C;tanaaS stq; £q paanaas sums ge jo IIn3 ut ;uatuSed a ;gipauzutt aatnba. ,few 'uopdo s ;t W 'JapuaZ aopou aq; ut pagtoads awl) aq; aaojaq Jo uo Rana ;ou st ;map aq; 31 .ales pug not ;eaalaaag o; aamoiiog jo asuapap Jaq ;o Sue Jo ;Inejap g jo aaua;sixa -uou aq; masse o; uopan 3Jnoa g gupq 03 ;qgu 0141 pug not ;gaalaaau Ja ;311 alelsupi o; ;Op aq; jo Jamoaaog maw; aaq;Jn3 Iiggs aopou aqj •Spadoad aq; jo ales pue 3uauzna;sui R ;tanaas sig3 Sq paanaas sums aq; jo not ;eaalaaae ut ;Insai Sew aopou aq; ut pat3pads alep aq; aaojaq ao uo ;inept) aq; aana o; aJnge3 lug; (p) pug :palm aq ;snm ;inejap aq; gatgM £q 'aamoaaog o; uanig st aopou aq; aiep aq; uuoa3 %fep OE ueq; ssai ;ou 'am g (a) :;Innpap aq; in o; paatnbaa not ;ae aq; (q) :inepap aq; (n) :,fjpads hags aopou aqZ •(asimaaq ;o sapinoad me; aiquatl(idu ssaiun LI gdnaSeled aapun not ;eaalaaatt o; loud ;ou ;nq) ;uatuna;sul Sganaas stg3 ut ;uatuaaage ao umuano° dun 3O gagaaq mamoaaog gutmoilo3 uopgaalaaae o; amid aamouog o; aat;ou antg ;pm aapua7 •satpatuag :uoi;gaalaaad •IZ :smoil03 se 0012e pus 311g110n0O 1atp1n31apuai pug 1am0110g •SINVNTAOO MOdINfl •uoioaloid Ir1ua11tu01tnua .10 Slops 'Tivoli of aerial 1x111 pa3eooi st S31ado1d 0113 azagm UopOipstmf 0141 3o smri pure sMei irlapa3 sueatx „MWWi irluaUxu01tnug„ `oz gdwSu d sup it pasn sd •sirtlaluw anp°rOtpg1 pug `apiigapiruu03 to solsagsr guiuteluoa sirtlalrtz `s3uanios ait1gion `sapt°iglaq pus saptoj1sad atxol `slonpoad umalol3ad otxol 10 aigetJt tup Jaw° `0uasola3i `autiosES :saourlsgns 2utmOilO3 aq3 pug Mr--1 ir1uautuolinug Aq saouslsgns snopttzsq Jo otxol sr p0uijap saourisgns asogl alt „saougisgnS sn0p1rzef„ `OZ gddi$rird sup ut pasn sd •mri ieltatzu0nnug tigm aourp10 °°r ui suotp°g lstpawa. S essaoau jle a�ir1 Siidwold hugs Jamoilog `ittussaoau st d3Jadold alp gut3o033r aourtsgnS snopirzeg Cue 3o uotletpauuaI Jag10 1O ign0tuO1 Sur 1x `A1uoglne ,CJO3ringat 10 isluautu.Ianog Aug ,Cq poppou st 10 'sulrai J0M0110g 31 •agpaiMOtni ien3or seg 10M01J0g 110111M JO MW ig1uatxu0linug 10 aoumisgns sn0p1ezeH Sur pug ii3Jad01d alp gutnionut Surd a3rntld 10 L 0UO2r S1OW111201 10 ie;uatutuanog Aug ,iq u0pm 101110 Jo linsMri `purtuap `111iri0 `u0t1rgj3sanut fur 3o aopou uall!IM lapual anig Sildwoid pegs J0MO110g •AlJadoki ag33o aougualwrin 03 pug sasn Iet1uapisat irtu1OU 01 a3rud01ddr aq 01 paztugooa1 Allwauag air 1rtp saouslsgnS snoplrzeii jo satulusnb putts jo S1Jado1d aq3 uo a$elols 10 `asn `aouasaid alp of ACidde Sou pegs saoualuas oM3 guipaoaid ag1, •ME'I je3uat1u0Jinug Atg 3o uopsiotn ut st Imp d31ad01d 0141 gupoajjg gu!iiiStre 'op 01 0sla au0Jur moils .JOU 'op lot ilrgs JamOJJOg •,C11ad01d alp ut J0 110 saourlsgnS snop1rzeH Aug 3o asraia1 10 'arms `lrsodstp `asn `aouasaid 0141 11111.10d 10 astir° Sou pugs JOMOIJOH •saaun;sgns snopagzeH *OZ Mri aigrogddr ,Cq pannbal uoprut1ojut _taw Sur utuluoo Osie ii!M aopou aqZ •aprnx aq pings s3Uatu1ied gotgM of ssalppr alp pus Ja°in1aS uRO-i Mau ag13O ssalpps put a11re11 aq3 awls iPM aopou aqZ •mri aigsoiiddr pug an0g1 jI gd1Jg1Jrd gl1M 0011ep1033g ut aguego aq3 3o aopou ualliIM uanig aq ii!M JaMO.uog `Ja°in1aS nevi atll 3o aSurgo g sI amp 3i .010N aq3 3o airs r o3 PalriaJUn 1winlaS ugo'i alp jo s0211U113 010111 JO auo aq Jim osp antic, •3u0tutulsui Ammon sup pug aloNi age Japun anp sluaw,ird ifi1Tuotu s3OOUOO 311141 „Jaopuos uro'„ 0111 sr umou)i) Sputa aq1 ut agusgo s ut 3insal hut airs d •10M011og Ol aotlou loud in0g3!M ramp 010111 10 0110 pios aq hut (luatunhlsui ,pile °aS sup g1!M 1a113a5o1) a3oN 0143 ut 1saaalut irtl11d a J0 aloN 0141 'P S ueo1 3o agueg0 ta3°N 3o ales •61 •Li gdrugeled Japun uotis1aiaoor 3o am 0141 ut Aiddr 3ou Begs 03r1s11101 01 311gu sup .`1anamog •pann000 prq uotlg1aiaoor ou 3t sr °At3°apa Sum utetual Timis Sgataq painoas suoprgtigo atll pue 3Uatunllsui 'C3un °aS sup `1am0110g ,Cq luatua3elsuta1 uodfl •paguggoun anutluoo pegs 1U0U11Jlsui IC1tlnoaS sup Rq pain °as stuns aq3 )Crd of uotlegiigo s,Jam011Og pug fC31mdo1d alp ut 5T14 11 s,lapuo `luaumJlsui iC1tlnoas sup jo uati 0 141 18111 alnsse 01 annbai Sigeuoseai hut Japua-i se u0p °e wits swirl (p) pug :1003 ,sSaut0lle aig1uossal '01 p01ituii Sou lnq `gutpniOut `luaunulsui IilimoaS sell gut°J03ua ut pallnOut sasuadxa ilg sAgd (o) :sluawaalge 1O SIUSUOAO° Jaglo Cur 30 1inejap Iiur sasn° (q) :pa1Jno °0 pug uotlr1aiao °e ou JI sr aloN 0111 pug luatutulsui Allmon sup Japun anp aq pinoM uagl gouim sums iir 1apual sAsd (g) :Jamoiiog Imp 01e suopipuoo asotl,I, •luatunllsui Ki °aS 1!141 2ut°JO3ua luatugpn f e 3o Slum (q) Jo `.3tatxtu1sui iilimoas sup ut pautg1uoo airs 3o JaMOd Niue 01 lusnslnd S1Jado1d 0141 3o airs atom (luauxalrlsutal 1o3 Snoods hip Mgi aigsotiddg sr pouad 101130 gons 10) sJiep S (r) :3o 11tl1ga 0141 01 1oiid auxp Slur 1E panupuoostp luauznllsui 'i11Jn °aS sup 3o 3uattaO103ua anti! 01 10u 0111 anti liggs 1amonog `suoptpuoo utg3100 s3aauz JaMOJJOH 31 •a ;n;sutag o; ;gglg s •gi •1amO11og uo pustuap s0 aopou 1atpinj mown luatutulsui ii1t1nOaS sup iiq pallitulad saipattal Aug a)jOnut ,feux lapua' pouad sup 3o u0ilratdxa aril 03 loud sutras asap 1ird of sitr3 10M0110g di •luatunl3sui Ammon °aS sup palnoas stuns lie ,led 3sntu 1aM01JOg g°IgM UIg1iM paire11z 10 patanIap st aopou 0141 amp alp W013 siisP 0£ tegl ssai lot JO pouad a aptnold ilsgs aopou aqZ •uoils1alaoos JO aopou 10M0110g an12 1rgs lapual `uoudo 81141 S0SIOl0x0 J0p110' 3I •3uatutuisUi 'ilun °aS sup Jo a3rp alp 3o sr Mrl Ielapa3 Cq paligigold st 051310x0 3i 10PtI i ,iq past°laxa aq 3ou Timis uotldo stun `1anaMOH •luatttu1sui 'ilun °aS sup Aq pamoas stuns iir 3o iin3 ut ivatt&1d alripoutuii annbai `uojido sit 1g `Artl lapua' luasuO° ua11!Im 1o!Jd mapua -i 3nog1M (uosiad intimru g 3ou st 10M0110g pug pa.uaJsug1310 pios st JaM01109 ut 3sa101111 iei°i,3auaq r 3t 1o) pa11aJsu113 10 Nos si 1! ut 3SOJa3ui Cur 10 X110do1d 011130 11ed Jfue 10 3311 •aamolJOg ut ;saaa;ul IUtapauag a JO A3Jadoad aq; 3O Jaisu1J,L •LI 9 ;O 9 eBed Ubb7;i68 Borrower in the manner provided in paragraph 14. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by applicable law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument to Borrower. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtesy and dower in the Property. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] Adjustable Rate Rider I1 Condominium Rider n 1 -4 Family Rider 7 Graduated Payment Rider Planned Unit Development Rider n Biweekly Payment Rider Balloon Rider Rate Improvement Rider Second Home Rider VA Rider Other(s) [specify] by My Commission Expires: 11- 19- b0 Ix IXI 330 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: BARRY A. WELLS and LINDA M. WELLS a BARRY A. WELL (Seal) Borrower Q .1(,) 46 (Seal) LfIIND M. WELLS Borrower (Seal) (Seal) Borrower STATE OF aa., Salt Lake County ss: The foregoing instrument was acknowledged before me this c, A u s 2/00. 1)64 6(0-{b1 b- Notary Public Borrower NOTARY PUBLIC Barbara W. Thurgood 196 South State, suite 700 salt take City, Utah Mitt CZ 6HIWY) (9403). u s� My Commission Expire age 6 or 6 Form 3051 9/90 DOS -WY4 November 19, 2000 STATE OF UTAH 1.6/9 1 11 011 sie'1'u' 'L E v11S 1.6ZL SWHOd 3DVD1HO■ dINA (90L6) l60Z- Z ;o l GBed Aliwed elDu!S 8301H 31NOH 0NO03S 31d1SI1ifW tium 1apuai aptno1d of pajtg3 .to) .tapua-I of sluautalels .to uousuuojut alginomeut .co aslej AIleualeut aneS `ssaooid uongoijddg ugoj aTil 2uunp `zamoiiog 3] ut an osje !pus aamouog •1saialu] ,ilunoas s,.tapuari so luatututsul Allmon 'sun icq pram uau aq1 jo luauuieduti jeua1 w aaglo JO AuadoJd at 1 ut Isamu! s,iamozzog aul Jo aznliaJzo3 sapnj3azd 'uo tlEu un op q iE3 poo3 s,aapual ui `legl gugni a gllm passrtustp aq o1 &I paaooid so uojlOE ag1 gujsnuo Aq `gj gdE1 B1 d ut paptnoid sE `alelsuta1 pue lineup E Timis amo Amu .tamoazog •lsazalut Alunoas s,.tapual .to luauttulsuI Amnon sun Aq paw= uajj at i lTEdun Ajletaalgut asp i io so Auadoid ag1 jo ainljaJaoJ u► ljnsat moo luaut2pnf g1tu3 poog s,iapua -j ut 1gTi1 un$aq st Iguiutum Jo jtnto iaTiiagm Iuipaaoozd .to uopmu ainlia3.toj Aug 3i ljngjap ut act jjggs aamo.uog •Auadozd ag1 uo alsem lituut0m Jo `ale.1oualap o1 Auadotd am mom qUadoid aq1 aieduti 30 a2 i.0 p `Aollsap lou jjggs lamoilog •autog p11030S s,aamoaaog se Sl1adoxd ag1 `asn quo jjggs pug Adnmoo IIEgs aamot.zog •spjogasea7 :uol;sotjddd uuo1 mamoaaog :,f)aadoad aqa ;o not ;aa;oad pug aauguaaum °uoTplAiasaad :asn pus Sauudnaa0 '9 :2tumollo3 ail Aq pa3elda.t sI pue palajap si manumit' ,ilun0os aql J0 9 muuano0 uuoJIun 1eJ1 aat& pug Iuguan03 Jagun3 iapual puE zamo.uog luauuulsul ,flimmaS aTil ui apEut sluautaaJ2E pug stueuanoo am 01 uolljppE uI [ssaippy Auadoid] 8II£8 AM 'VNl3 3NV1 S L£ :IE palgmoi si gmjgm `(,.iivado aq1) luautntlsul Allmon aql ut paquosap Amdahl am guuanoo pue a1Ep auras am jo „aapua'j„ am) )jueq s8u Vines paaa ;,aega X 11e,aapa4 e 8'S'3 ')INV OVWAONI 01 al0N s,aam0.110q alums 01 (pauaisiapun suosiad WOW JO auo aae a1agl Iaglagm „`Iamouog„ am) paugtsaapun ag1 i(q uantg amp cures atjl jo „luaumclsui Suinoas„ aq1) paaU Ammon zo `lsntj jo paa j `oSeSpow atjl luautajddns pug puaum o1 pautaap aq jjggs pug olut pale1odao3ut st pug 0000 gsn6ny j0 Cup IPSZ sigl uo apgut s 2I�QI2I II1IOH QNOJIS 8L£LT L :2J 1 1N NVO'l 12IdURI HI OH QNOO1S SIH,L any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy and use of the Property as a second home. 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. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. BARRY A. WELLS (Seal) Borrower (a)-209U (9705) Page 2 of 2 DDS -SHA Borrower 3" Borrower LINDA M. WELLS (Seal) (Seal) Borrower (Seal) (Seal) Borrower (Seal) (Seal) Borrower Borrower 5/91 11 11 1 11 1 1 1 1 1 11 L0O :slewui ,o L e6ed 06/6 09I.£ wmod 1N3Wf1HISNI INHOJINI1 aeIN elppOJd /eeyj eluued KIIwed 9I6u1S H3OIH and 31V1SI1'1fI l 6ZL LZ5(0021 SWHOi 3OVaitIOW dIiA to (5oLs) •sluaulnoou 1uan1t1suoJ ag1 op luensind pasodun sluautssasse pun sanp le `anp uatM `iced Apduloid j]etis 1aM011og '11olpeiaossd SIauMp ag1 JO suo11L'jn;lai 10 saint latlo 10 smej -Aq SUE (jii) pun :uouetoossd slaump alit saleaio gotgp luauznoop luajentnba Cu e 10 luaumllsut 1sn11 `uotlglodioout jo sapple :uoilelepou (t) :agl ale „sluaumooQ 1uan111suo0„ agj, •sulauznooQ luanitlsuoO s,Qnd alp iapun suoilaijgo s,lamonog Jo jje uuojlad tints 1amo11og •suoilegiigo and •V :smojjoJ SE 0312E pun lueu0n0 1atpinl lapua' pug JOMO11og `1U UInl1SU 'C1i1nnaS ail ui apeut sluaulaaI E pug slueuanoO alit 01 uoIIIppe uI 'SZwvNaAOO Clad •1sa1a1ui s,lamo11og 3o spaaoold pun signal `sasn all pug („uotletoossd slaump„ alp) and alp JO sailtj!Oej pun Snare uounuo3 211! eue111 10 5uiumo ,ililua 1uaIenlnba 10 uoileiaosse slaumoaulot all ut 1S2101U1 S,10M011011 sapnJOU! Osje ii11ad01d NI •(„and„ ail) [1uawdo nun pauneld ;o =IN] S3113HONV21 IS2103 su umoul luautdojanap liun pauugjd s Jo lied s si iilladoid au „uoilelepau„ all) SNOI10Ri1S321 (INV SNOIlION00 SINVN3A03 30 NOI1V V 13 O 3H1 ui pagilOsap se `sai11IIOe3 pun stale uounzloO u!ellaO pug spored tons lotto t1IM lagiaSo1 `;luijjamp a 1I►iM panoldun puej Jo paled a `01 palimlj 1011 si lug `sapnput iCpladold agZ [ssalppd ,Suadoid] 8TT£8 AM 'VN13 3NV1 S L£ :1g papeooj pug luaunulsui 'ipilnoas all III pagilosap Apladold alp 2uilaA03 pun alep awes alp 3o „lapua'„ atIO lueq s64A2s paJa;Jap k ueJapa1. e "9'S'3 'NNW 3VWAONI of a10N s,lamollog alnoas 01 „1amonog„ alp) pau;Iisiopun at1 uan12 'amp owes at1 Jo („puaunuisuj icuinOas„ at1) poou ,ililnoas 10 1sn1,I, Jo pooa `aSe;S110j,4 alp puaUtajddns pug puaure o1 pautaap an pus pun 0111! papglodloOU! sI pun 0003 iSn6ny Jo hp 4493 sttp ap1U1 sI II3QRI INHAIdO'IHAga IIN 1 adNNV'Id SIHI 8L£LT L :laqum],I lreo'j ?MGM LLNHINdO'IRAEQ JJN l QENNYI• DDS -008 fjg lik7U (9705).01 334 B. Hazard Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts, for the periods, and against the hazards Lender requires, including fire and hazards included within the term "extended coverage," then: (i) Lender waives the provision in Uniform Covenant 2 for the monthly payment to Lender of the yearly premium installments for hazard insurance on the Property; and (ii) Borrower's obligation under Uniform Covenant 5 to maintain hazard insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. Borrower shall give Lender prompt notice of any lapse in required hazard insurance coverage provided by the master or blanket policy. In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, with any excess paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Uniform Covenant 10. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. Initials: 4e3 Page 2 of 3 Form 3150 9/90 06/6 OS LE wlOJ E 1 E abed S111M '1AI VUNI1 lamollog- (itaS) lamollog- (ivaS) laMO110g- (IuaS) laM011og- (ItaS) Lo nc®P STIIM'V A2i2IVH zapt Qfid snit ut pauttluoo suotstnoxd put suual am oI saai& put sldaoot .10M0.11og `MUM O IINJIS AU luau/Cud 2upsanbat .tamouog oI aapua' wag aotlou uodn Isamu! gltm `aiquiCud aq iiugs put aluJ aloes aql Iu Iuatuasingstp 3o amp am Luoa3 Isaialu! nag Nulls slunotuu asap `IuauiAud jo suuat aagto oI 00a2t aapua^i put Jamonog ssaiun •tuautniisuj AtunoaS aqI Aq patinas Jamouog jo Igap iuuotlippt autooaq Hugs g gduiSti d step aapun iapua-j iiq pasingstp slunoutt &iv •utagl /cud Cu tu iapual nap `anp uagm sluautssasst puu sanp and /Cud Iou saop SamoI.tog n •satpaulag j 800-S00