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HomeMy WebLinkAbout868219Return To: ROCKWELL LENDING CORPORATION 812 NORTH LAST CHANCE GULCH HELENA, MONTANA 59601 Attn.: SHIPPING DEPT./DOC. CONTROL 0 .a 100 4. i Prepared By: DEFINITIONS Adjustable Rate Rider Balloon Rider VA Rider WYOMING Single Family FNMA/FHLMC UNIFORM INSTRUMENT Page 1 of 13 wyctd [Space Above This Line For Recording Data] MORTGAGE Condominium Rider Planned Unit Development Rider Biweekly Payment Rider BOOK_ PRPAGE RECEIVED 00 r r; r W Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated September 8, 2000, together with all Riders to this document. (B) "Borrower" is ROBERT E KOUF and BERTHA M KOUF husband and wife, Borrower is the mortgagor under this Security Instrument. (C) "Lender" is ROCKWELL LENDING CORPORATION. Lender is a corporation organized and existing under the laws of the State of MONTANA. Lender's address is 812 NORTH LAST CHANCE GULCH, HELENA, MONTANA 59601. Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated September 8, 2000. The Note states that Borrower owes Lender Twenty Seven Thousand Two Hundred And 00 /100 Dollars (U.S. 27,200.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2030. (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Second Home Rider 1 -4 Family Rider Other(s) [specify] Initials: Form 3051 3/99 `(k :s�e►acui 66/£'S0£ lJOd U,9 GT S9S() El Jo Z aSad •Joaaagl pqd iglag ;o alp uo paquosap se 2uFuzoAm °Blunop uloauf `anggg1 Jo uAOI alp 01 nspii 03 uollppd puoaag agi Jo loofa Jo Z pun j slot [uopotpsunr Butpiooajjo owrN] [uonorpsunr 2uiplooag jo adkl j Ai'IO�I�II I Jo Aluno3 aql u! paleool Xiradord paquosap &utmoijo3 aql `Jigs jo ramod aq3 gum `satsse pug srossaoons s,Japuari pug rapua7 of ,Canuoo pug luur2 `aagS iouz Agaraq saop Jamouog `asodrnd sup rod •aloN aqi pug luauiruisui Alunoag sup rapun sluauzaaag pug sumo/too s,.iamouo8 jo aouguuojrad aql (q) pug `•alorl alp JO suoi3eoIJipow pug suoisualxa `sigmauar pr pug `aeon alp jo luawXgdar aq3 (e) :rapuaj of sarnoas luaumrlsui AiimOaS sigZ AilIgdO2I(1 3H.L NI SIHORI dO 2Igasiq 2II •luaum1lsui A3trnoos sup ro/pug aloN aq3 rapun suopuSggo s,ramo.uog paumssr sgq Aired rap 30U ro raglagm `Xl zadoad ow of app uo3im sgq lggi )(Ind Aug sue= „iaMOraog 3o 3saaalul tit aossaaanS„ (d) ddS I .zapun „ugol a2g24sou1 poplar (iigrapoj„ e se Angnb lou saop ugoj aq3 3i uana „ugol age$lrout parlor AIlerapa3„ e of preSai ui pasodwt are lggl suotlotzlsa1 pug sivawaiinbar jig of si pi „ddSgii„ `ivawnrlsui Xunoas sup ut pasn sd •Ja33gw ioafgns mugs ai 3 suJanog rip uoi3einSa1 Jo UOt3gisPal Jossa00ns ro iguot3tppt ,(ug ro `aw11 03 O 119 wag papuaurg Aaqi sr `(005£ ued bZ) X uotielaa'i `uoilginEai 2ujuawaidwt Sli pug (•bas la 109Z uo9o0S 'D'S'fl ZI) 1 sarnpaOord luatua131aS alglsg pall alp stream «Vdsa i,, (0) •luaumzisui xiunoaS sitp Jo uoi3oos rapun slunourz Aug (Z) snid `atom aq1 Japun lsaralui pug Igdiouud (i) .zoj anp lunowe painpagos Xliglaar alp sugaw „luaw,tgd alpopad„ (N) •ugo-i alp `uo lingjap Jo `3o luawgeduou 041 isuig2e rapuo i Suiloalord aougmsui sugauz „aaug.znsul a21 330 jAi„ (N) •,(pado1d ag2Jo uoiltpuo0 ro/pur anlgn aq3 `01 sg SUOISSiwO JO `JO suoilgl IOSOIdazsiuz (At) 10 uopeuwapuo0 JO nail ui 0OU Xanu00 (iii) `410do1d of 30 3113d Aug ro Iig jo 5unjei ni io JO uopeuurapuoo (u) `Xlradord aql `Jo uouonzlsap Jo `01 agwgp (i) r0J (s uoilpaS ut paquosap sa2grano0 aq1 Japan pied spaaoord aotremsut ugg3 raw) X3Jmd prigl Aug Xq pied spaaoord Jo `saSewgp jo prgme luawalllas `uoilgsuadwoo Aug sugaw „spa000rd snoaug11aas1L&i„ (9) •E uoi30aS ui paquosap are Imp SUIa3i asog3 ueaut „swain Mo.zasg„ (}I) •srajsugrl asno4Suugai0 palewo3ng pug `sraJsuer3 arim `auogdalal Aq palet3iui srajsuer3 `SUO110esugrl aui4Oeuz Ja11al porewoing `srojsuerl ales jo -luiod `ol poniard Sou si lnq `sapnioui uual gonS •lunoowe try 3ipam0 Jo ligap O3 uoIIn3ilsuz iemueUi3 a azuoglne JO `lOtu3suz `rapp° o3 Se os ade3 0t10u2euz r0 `Jalndwoo luawnrlsui 0iuogdaia3 `ieuiuual Oiuo11Oaia ue g2no1g3 palgiliui Si gOigm `3uawnJlsui Jaded Jeliuzis Jo `33erp Vag0 Xq palgupuo uot30esue13 a ueg3 ragl0 `spun] jo JaJsuerl Aug sue= „ra;sugaZ spung oluorloaid„ (r) 'UO11BZiUga1O MUM 10 uoileIOossg sraumoauroq `uoi3etOosse wniuiwopuoo g .tq x3.Iadord alp r0 ramouog uo pasodun are Imp saRiggO rag30 pug sluauzssasse `saaj `soup Ile Rigour „sluauzssassd pun mg `sang uo131Possd &ilunwwoD„ (1) suoiuido lgioipnf aigelgadde -uou `ieutd aiquogdde ije se iiam se (mgt jo 10anna aql angq 3eg3) srapro pug sojtu .anjleIlsiuiwpe pug saoueuipro `suoileln2ar `salnlels jeooi pug owls `ieropa3 aigeogdde &uiliorluoo ije Sueaw „'ng`I alqualjddy„ (H) Parcel ID Number: 12- 2612- 06 -4 -05- 126.00 which currently has the address of 235 WEST FIRST STREET LA BARGE "Property Address 08(8219 700 [city], WYOMING Page 3 of 13 [Street] 83123 [Zip Code] 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, 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 Form 3051 3/99 Initials: 1 1(2 66/C 66/£ ISO£ waog 0/, ET jo b aSEd 'YdSgl1 Xq pannbai se spund ail jo Sutlun000e jenuug ue 'amp Inogltm `aamo.uog of ante jjegs xapua -j spund oq uo pid aq jjggs isaia3ut jgtj `ianamoq `2uilum ui aaagg ueo .uapuai pug .iamouog 'spund ail uo Ouiuiea .to lsa.iajut 10m0.10g ad 01 pa.nnbai aq lou jjegs iapuarj `spund am uo pied aq oI Isaialut sannbai mgI ajgeotjddy Jo Sutp.tm ut apgui st luattaa.uag ug ssajun 'amp qo g tons 031eui of .zapua-j sltuuad me-j ajggotjddy pug spund ail uo Isa.ialut lamouog sad iapua-I ssajun `swan moiosg ail 2utjuan 10 `lun000g mama ail SutzAp ug Ajjgnuug `spund am $utAjddt pug Sutpjoi Joj 1amo.uog aaeto lou jjegs iapua -j 'ydsgx .pun pagtoads amp am uggl ialej ou swan motosg agI'Cud oI spund ail Aid& jjggs .iapual •3jugg ueo'j atuoH jeuapad Aug ut .to (painsut os ale sjisodap asogm uotlnitjsut ug st aapua7 3T `Japua'j autpnjout) Ajilua .zo `,Cltjgluatutu sut `Xouag puopaj a Aq pa nsut are sltsodap asogm uotjnjtjsut ug ut pjaq aq jjggs spund at,j, meZ ajggogddy gltm aout;pi000g ut astmsaglo .io small mo.zosg a.minj jo so1nitpuadxa jo sammusa ajgguoseat pug glgp luauno jo stseq am uo anp spund 3o Junot.0 am omui lsa ITT iapuarj •ydsgx .pun attnbat ueo .capuaj a lunotue uinunxgtu atj paaoxa oI iou (z) pug ydsgg .iapun pautoads amts am m spund aqi Ajddg of .tapua-j Ituuad oI luato jjns (j) Iunoui ug ut spund Nog pug loajjoo `aunt Aug m `Attu iapua'-j uoiloaS spy .xapun pannbal uagl am my `slunom qons ut pug `spund jjg Japuarl of ad jjggs iamonog `uotleoonaJ tons uodn `pug S j uoiloaS gjtm aouepa000g ui uaniS aotlou g Aq amp Aug Ig sum' molosg Hu .io ,Cue of sg .ianrem QUI allonaJ Xeui .iapua7 •Juno= tons Aug .iapua -j of ado.' of 6 uoiloaS xapun palg2tjgo aq uatl jjggs .monog pug Iunotug tons ad pug 6 uoiloaS .pun s1g2u slt astoxaxa Attu .tapuarj `mall moiosg ug ioj anp lunotue ail ad of sjte3 xamoxxog pug `xantgm g of Iuensxnd `Ajloanp sum' motosg Agd 01 patatjgo st .zamortog JI '6 uoiloaS ut pasn st „luautaai2g pug luguanoo„ asenjd ail sg `juatunxlsul Alunoas sup ut pautgluoo Juatttoaag pug luguanoo a aq 0l patuaap aq sasodind jig .ioj wags sidtaoaj aptnold of pug sluatuXgd qons alemt of uotlaggo s,1amouog •aitnbax ato xapua-j se pouad amp tons utgltm IuauIXed tons 2utouaptna sldtaoax xapua of gstuinj jjegs `sannba.i xapua'j 3t `pug .iapua-j ,Cq panrem uaaq set spund Jo luatt,Ced gottm .toj small moiosg Aug .toJ anp slunouig ail `ajggXed Ong/t1 pug uajm 'Ajloaxtp fed jjegs xamoxiog `xantem tons JO Iuana ail III •Sutlixm ut aq Ajuo xantem tons Xuy amp Aug Jr small moxosg Ng 10 Aug ioj spund xapua7 01 ad 01 uotle2ggo s,1 M0.uog antem �Ceuz .zapuarl small mama jjg .to Aug xoj spund ail Agd of uogeSijgo s,.iamo.uog santem xapua-j ssajun small moxosg .ioj spund ail xapua-j ,Ced Hulls xam0110g •uoiloaS sttl xapun pied aq 01 slunouig 3o saotlou jje .iapua-I oI tstuxnj iijlduio.id netts .tamo.uog mall moxosg ug aq jjegs sluatussasse pug saaj `sanp tons pug `xamoixog Aq pamoxosa aq 'Aug J! `sluatussassy pug saad `sang uotletoossy Xltuntuui0J Intl annba.z Amu .iapua -j `ueoq ail 3o uual alp &utxnp amp Aug Ig xo uotleut2uo ly „'small moxosg„ pajjeo axe stualt asa4J •pj uoiloaS JO suotstno.id ail gltm aouepx000e ut sum uiaxd aougxnsuj aegj ioj, Jo luatuad ail Jo nap ut .tapua7 oI xamonog ,Cq ajge,Ced stuns Niue JO 'Aug ji `stuntuiaid aouexnsuj aSeElxow (p) pug `.S uoiloaS xapun iapuarl Sq paxtnbax aoue.insut jje pug Aug xoj sutnnua.id (o) !Aug J! `X3.iadotd ail uo qua.' puno.S .io sluautXed pjogaseaj (q) `Xytado.id am uo aouexgtunoua xo uatj e se luauinxtsul 4x1100S SRI JOAO Aluoud UTelle ueo ijottm stuajt 101430 pun sluatussasse pug saxel (e) :.ioj anp slunoutg 3o Iuauiad .io3 aptnold 01 „spund„ ail) tuns a `jjiy ut pied st aloN ail jijun `aloN ail xapun anp oie sluatu,Ced otpouad Agp agI uo .iapua'l of ,Ced jjggs xamoxxog 'swan A4o.iosa ao; spund •sluauuXed otpouad agI Jo lunouie ail °Sumo .to 'amp anp at2 auodlsod .to puma mu jjegs aloN agI .xapun anp jedtouud 0l spaao0xd snoaugjjaost A .io `spaaooxd aoue.insut `sjuatuad jo uoileoijddg Xuy 'aloN aql ut paquosap se will pug saxeio luauiadaxd Aug 01 Jog patjdde aq Hugs sluatu,Cedaxd Xaelunjon anp sa.ieto ale' Aug 01 pagddg aq Amu ssaoxa tons `sluattuAed otpouad axoui JO QUO J0 luou.I ed jjnj am 01 patjdde st luamad ail xa1Jg s3Sixa ssaoxa Aug mm lualxa am os 'jin3 ut pied oq ueo luautad toga `Ietl lualxa agI 01 pug `31 sluauL ed otpouad atjl3o Iuauiadat aim 01 .iamonog tuox3 pantaoa.I luatu led Aug Xjdde Aetu xapuaq `2utpuelsjno st IuauuAgd otpouad auo um WOW 31 'Ammo am am pug Iuazuad luanbutjap am 01 patjdde aq Attu mama(' am `anp axego art Aug Aed oI Iunoute tuatogjns sapnjout town Iuaulad otpouad luanbutjap a .ioj lamo.uog uuox3 luamXed a SOAtaoax xapua7 'aloN my) aouejeq jedtouud ail aonpa.1 of uatl pug `luatuiulsuj ,Clunoas sup xapun anp sumo Iatpo Aug oI puooas `saaaggo am oI Isxt3 If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. 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, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; 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 can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 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 Page 5 of 13 702 Form 30513/99 n. f,e. Initials: f ...,1 A <23� r :sletuui 66/£ LSO£ WiO3 •asnmo aiq uoseai tons 2utA3toads uotloadsut 1oualut ug tons of .zoud .103o aum ail w aotlou iamoliog anti pals lapua'I A3ladold otp uo sluatuanoldtut app 3o .toualut am loadsut Amu iapuoi `asnro aigruoseai set u 31 •Auadoid am 3o suotioadsut pug uodn saulua ajgguosgai a3igw Arm mar SIT l0 lapua'I •uotlrlolsal .to itgdal tons 3o uot1aidwoo ail io3 uogatigo s,laMOilog 3o panatlal lou st JO /110110H `Aliadold ail a.iolsai io itgdal 03 3uatowns 1011 air spaaoold uotlruwapuoo to aoumnsut a41 3j •palaldtuoo st 3110M app Sr sluawAmd ssoi o.Id 3o S2llas m ut 10 3uawAgd 0j5uts m ut uoprio1sa1 pug s.trdai alp .O3 spaaaoid asingstp Arm iapua'I •sasodind dons io3 spaaaold pasmalai srq iapua'I 3t Apo Aliadoid alp �uuolsal JO Stuuirdoi 103 ajglsuodsai aq pals laMOlio `410dold am `3O gui3jg3 aijl to `o3 a rturp t3iA uot3aauuoa ut turd alb spaaoold uotlguwapuo0 l0 aOurinsut 3I •artugp 10 uot3rlotialap laglin3 ptong 01 pa$rturp Jt A1ladoid alp lirdai Aj3dwoid pets iomollog `aultsra3 AjjroltuouOaa 1011 st u0tlgiolsai 10 itgdai 14th S uotloas o3 lugnsind pauttulalap Si 31 ssalun •uotltpuo0 53! of anp amen ut gutsgaloop .10 &utlgloualap tu0iu Aliadoid 041 3uanaid 03 lap) ut Aliado1d ail utrultrul jjrgs laMonog `Aliadoid Gill ut 2utptsal st iMM011og 1011 10 iatpatlM °A1ladold a41 uo alsrM 11wwOa JO alglotialap o1 Alladold 041 moiig `Al1odo1d 043 itgdwt 10 amyl) ',Causal) lou Iirts lamo.uog •suollaadsui :Apado.cd all 3o uopaaloid pug aougualutgytj `uollLn.casa.td 'L ammo s,l0M011o11 puo oq are ijo!gA lsixa saouelswnoito Stmenualxa ssojun 10 `piotplltM Ajgguosgaiun aq 1011 jjris luasuo0 tlottIM `$tltlum ut sooih as!Mia410 lapua'I ssotun `Aotmdn oo 3O amp 043 i0ij iral auo 3smaj lg io3 a =uaptsai jedtoutid mam011og sr Aliodo1d alp Adn000 03 antit3uoa pints pug luatunllsul Alunaas sup 3o uotlnoaxa 041 ialpr sArp A1xts uttptm aouaptsai jedtauud s,laM011og sr Aliadold atp osn pug `gsggglsa `Xdn000 jjrts lamollog •Aaundnoa0 '9 •anp 110411011 l010 luounulsu1 *moos still 10 mom 043 iapun ptgdun slunowg Ard 01 10 Atiodoid all 0103501 10 itgdai 01 1041[0 spaaoold aouginsut atjl asn Arm lapua'I •Aliadold all 3o aeianoo 04101 ajgratiddr air S34 11 Lions sr 1njosut `A3ladoid alp 2ution00 satoljod aourinsut jir lapun (iaMO.uog Aq ptrd stuntwaid pauigaun 3o punjal Aum o3 10i alp uggl 10430) a48!.1 S e l0M0110g JO 10410 ttum (Z) pug luawnilsul Allmon still 10 aloN all lapun ptudun s3unotur 041 p000xa o1 1011 lunotlm ug ut spaaoold aourinsut Auu O3 s34St1 mamoilog (I) 10pua'[ o1 suatssg Agaiag iamoliog `astulatpo to ZZ uotloas 101311n Alladold all saitnbar iapua'I JI l0 `luana latlia 111 •1101142 st 0043011 a41 uat4M ut2oq rpm potlad Aup -p£ 011 ntrjo 043 all;as pug alepo2au Amu lapua'I 11041 `wtrjo m ajllas of pala33o set iatligo 00uginsut 043 3441 lapua'I wo13 a0jlou g 01 sArp p£ utgl3M puodsoi 3011 saop lam0iiog 31 •sia3lrw patrol pue tutrja =urinal! aigrltrnr Aur 033las pug 01 31aau `ail Amu lapua'l `A3ladold a41 suopurgr IaMOZIOgJ1 •Z uotloas ut 103 paptnold iaplo a43 ut ponddr aq Timis spaaaold ooueinsut tans •10A 0llog o1 ptrd `,Cur 313 `ssaaxa ail gutm `anp 11041 1011 10 1041a4m `3uawtulsul Altinaas sill Aq pampas stuns am 02 patjdde aq Huts spaaaold =urinal! ail `pauassaj aq pjnom Altlnoas s,lapua'I 10 a3gtsroJ Ajjrotwou000 Sou st itgdai 10 uot3rio3sai 04131 •iamoilog 3o uouatigo ajos ag1 aq hats pun spaaaold =urinal! 043 3o lno ptrd oq 1011 Timis 10M011og Aq pout of `sound p1i41 10430 10 `sla3snfpg oilgnd 103 soo j •spaaaold tans uo S &11ttura .10 ;salmi"! Aug lamollog iced o1 paitnbal oq 1011 Timis lapua'J `spaaaoid aaurinsut tons uo ptrd oq o1 3salalut saltnbai mei ajgeatjddv 10 Su1311M 111 aprw st 3uatuaal3g ire ssalun •palajdwoo st 3jiom a41 sr s3uawArd ssai2oid 3O satlas r ut 10 luau/Cm' abuts r ut uotlg103sa1 pun sitrdai a41 io3 sp0000id asingstp Arm iapua'I •Apdmold ua)jguapun oq Tags uot3aadsut tans Imp paptnold `uojlar1st3es s,lapua'I o1 pa3ajdwoa uaaq sal 3llom 041 01118110 01 Aliodold tans loadsut of Altunlloddo um pmt sgq iopua'I jjlun spaaaoid oourinsut tans plot 01 1041 041 anal pugs lapua'I `potlad uot3ri0lsal pUr itgdai tons SuunQ •pauassaj lou st Auinoos s,lapua'I pug ajgisra3 Ajjrotmouooa SI ltrdal 10 uo13mio1S01 04133 `Alladold at13o itrdai 10 UOt1r101S01 01 patjddm oq hags `lapua'I Aq pannbal srm =urinal! &u3A3iapun 041 1011 10 10 `spaaaoid aaurinsut Aug `3ulltim ut ooar astMia4lo IaMOZIOg pug lapuol ssalun lomouog Aq Apdwold opal' lou 3i ssOJ 3o 3oold alum Arm lapua'I lapua'I pun latlira =urinal! 041 01 aotlou ldwold ani2 j1ggs 1am0.LIOg `8803 3o mono 0131 111 •ooArd ssol Iruot3tppr up sr to /pun aaall0m sr iapua'i aureu 3jrts pug asnrja ar511otu pirpum3s r apnlaut ilr4s Aotod tans `Aliadold 04p `3o uotloni3sap 10 `03 amyl) 103 `lapua'I Aq paitnbal asimiag3o lou `0 10100 aaumlnsul 3o tulo3 At m sutrlgo lamoilog 31 •saoj3ou jgmauai pun stuntwoid pled 3o 53dta001 jim iapua'I o1 01145 Apdtuoid jlrgs IamOIJOg `saltnbai I OPU0'I 31 •salrapt1100 jrM0U01 pug satotlod 043 Nog 03 342i1 am anal 3Ir4s lapua'I •ooArd 8803 jeuot3tppr um sr loipue CO £13 d 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (1) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (2) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (3) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to, (1) paying any sums secured by a lien which has priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable 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 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. Page 7 of 13 ObC821 704 Form 3051 3/99 Initials: Li- septa J o 8 And 66/£ ME waog Aug lstngge s &utpaaooid aouaututoo 01 pat aq lot netts 1apua-1 •zamouog jo 1sa.zalul u! siossaoons Aug _to .Iamouog jo Altitggti agf aseajat o1 alendo 1ou jjegs iamouog jo Isatalu' ut iossaoons Aug .zo aamouog 01 zapua-1 Xq palue 2 luauttulsul X;t.moas sup Aq pa.Inoas sums atjf jo uougzumtue jo uoueot tpow 10 luaus ted .tog aunt ag13o uotsualxg •aan!BM g loM aapua' aautugaq.Iog !pasgajag joN .t Ato.taog •Z1 z uotloas ut JOT paptnotd iapio alp ut patjdde aq jjegs fil.mdo.ud aq1 jo .ugdai .zo uollg.Iolsa.0 01 patjdde lot! am 1g 't1 spaa0o.td snoaugjjaOsiyAj jjd •.tapua, 01 pled aq jjegs pug pauStsse Agatag azg Avadoud alp ut isaialut s,xapua1 jo luatuttgdtut alp of ajgeingtgle ate Imp sageturp .Ioj urtejo .10 plume Aug 3o spaaootd a 'tZ 'luaunulsul ICltmaas sup Iapun suiRta a0 ,Cl.Iado1d agl ut Isatalut s,.tapua7 Jo luauui duIt jeualgut imp 10 fC1.i0doad agf 3o a.mltajtgj sapnjoaud luautipnf s,aapua7 ut `leul Butjzu g gpM passtutstp aq of 2tnpaaooad 10 u09Og a't1 &utsneo Act `6 j uoifoas ut paptno1d se alelsutai `pa.un000 sgg uotlgtajaoog 3t `pug 1jngjap g 'tons amo ago tamouog •luaunulsul Xlunoas sup aapun sni2ti .zo Avado1d atjl ut Isatalut s,zapua' 3o luauutgdurt jgt.talmu iaglo so Auadotd alp Jo a.mitaJ.to3 ut ljnsat pjnoo `luaw pnf s,lapua-1 ut `lpgl un2aq st `jputuuio 10 two aatjlagm Tutpaaooud 10 uotlog Aug 3t lingJap tut aq jjegs aamouog •spaaoozd snoaugjjaostJA o1 pigOai ut uotlog Jo 1gSt.1 g sp't aamouog tuogm isutngg ,cited agf 10 spaaOoad snoaugjjaostyl 1amouog samo legf itl.zpd pat 't1 a't1 sugatu Aurd &utsoddp„ •anp uagl lot JO .zaglagm `luaumIlsuj Ailmoas sup Aq pa.m0as sums agl 01 10 ,iltado.zd a111 Jo itgdaa .I0 uotlgtolsat o1 xatjlta spaaOoud snoaugjjaasm alp Ajddd pup loajjp° 01 pazuoglne st aapua-1 to/0 st aoTlou alp afep agf ..ta1 soup p£ utglim iapua-1 of puodsai 01 sue; 1aM0Ji0H `saZptuep 10j ttgjo g ajllas 01 pigmy ug awn o1 s1a33o (aoualuas lxau agi ut paugap se) Aug gutsoddp a 't1 1mtj1 JO/AO-110g 01 IapuaT Xq aoifou _m13g `JI .zo `aamouog ,Cq pauopuege st ,Cltadoid ag13I 'anp uagl am stuns alp 1ou .10 aaglagm luaturulsul iiltznoas sup Aq pamOas sums alp 01 patjdde aq jjegs spaa0oad snoaugjjaostyAI agf Tuilum ut aa.tgg astAuaglo .zapua-1 pug aamouog ssajun `anjen ut ssoj 10 `uoIIOrulsap Tutaigl jgtl.I d alp aaojaq Xjaletpatuun pam0as stuns agf jo mourn 041 uggl ssaj st anjpn ut ssoj 10 `uotlon.zlsap TuDjel jgtfaed alp amp(' ,Cjaletpatuun Apadoad ag13o anjen lavgtu itej aw tiot 'tm ut Xlaadoad alp JO MINA ut ssoj 10 `uotlonalsap `Supjel jgjlagd g JO 1U0A0 ow. uj •aam0110g 01 pled aq jjegs aoupjeq ,Cud •anjen ut ssoj JO `uotlonllsap Tupjel reused agl aaojaq Ajalgtpatuun A1.tado1d alp Jo anjpn 1a3japtu aij alp (q) paptntp amen ut ssoj .10 `uonotulsap Tuptel jgtlaed alp =Jag Ajaletpatuutt paanoas stuns agl Jo lunottg jg1o1 agf (e) :uotlogij 2utmojjo3 atjl Aq patjdtljnut spaa0oad snoauejjaOSm alp Jo lunotug alp ,Cq paOnpaa aq Hells luaunulsuj ,tltmOas sup ,Cq pa.moas stuns am Tutlum ut aatag astmaaglo .zapua-j pug JOMOUOg ssajun 'amen ut ssoj .to `uopartilsap Tupirl jgtind agf aagjaq Xjalutpauttut luatutulsuj /ilunoas sup ,Cq patinas stuns alp Jo lunowe alp ug141 aalgaa3 10 01 jgnba st amen ut ssoj ao `uotlon.zlsap 'gum; jgjl.zed agf aaojaq ,Cjalgtpatuutt ,Claadoad alp Jo anjen 10)1 to .11 j 041 4Otgm ut Attadold agf jo anjen ut ssoj JO `uotlotuisap `fupjel jelled e 3o fuana ay ul 'aamouog o1 pted 'Aug JI `ssaOxa agf g11M cant) ua't110u 10 as 'them luauzrulsuj A1unOas sup ,Cq pampas stuns ag1 01 patjdde aq jjegs spaaIoad snoaugjjaostw agf `,C1.tado.zd agf Jo =ten ut ssoj JO `uotlotufsap Tupjel jg101 g Jo Juana 0 41 u1 Z uotloas ut .10J paptnold aapao alp ut patjdde aq Hug spaaooad snoaugjjaostw Bans 'aamouog of pled 'Aug Jt `ssaOxa alp tjltm `anp uagl fou 10 asg1a4M luatun.zisuj itltmOas step paanOas sums alp 01 patjdde aq netts spaao0ad snoauejjaOSijA a't1 `1)01105501 aq pjnom ,tltmoas s,aapua-1 10 ajgtsgaj iCjjpOttuouoOa 1ou st .tteda.t 10 uollpao1S01 a11 J1 •spaaooud snoaugjjaosm Bons uo autuzga ao 15010111t Aug aamouog fed 01 pannbaa aq 1ou !tug aapuarl `spaa0oad snoaugjiaostyq lions uo pled aq 01 lsaaalut saatnbaa mpZ meat .10 Etnll1m ut apgtu st luauzaa 2e ug ssajun 'palajdtuoo st )jaom alp st sluatu,Cgd ssai8oad Jo sataas g ut 10 fuautasangstp warns g ui uotlg1olsa1 pug satpdaa agl .zoj /Cud Atm aapual 'Apduto.zd ua)jglaapun aq jjegs uotfoadsut Bons Imp paptnoid `uotloejstlgs s,aapua-1 01 palaidtuo0 uaaq sgg )j.zom agf amsua of'Cl.tadoad guns loadsut o1 Altunitoddo ug peg sgg aapua7 'pun spaa0oad snoaugjjaostyAI lions pjog 011441 alp angg Reg 1apuaJ `pouad uoilpaolsaa pug atedaa Bons 2utmc •pauassaj 1ou st ,Clunoas s,aapua- pug aigtsgaj ,Cjjgotutouooa st itgda.z JO uotlgaolsaa 041 jt `Xf tadozd alp Jo jtudai ao uotiwolsaa o1 patjdde aq jjegs spaa0oad snoaugjjaostyi 'tons `pageutep st .Claadoad agl 3I •.uapuaj 01 mud aq Hug pug 01 pau2tsse )(gang am spaaoo.td snoaugjja0stjA jjd •aanlja;ao3 :spaaaoad snoaut:jja3sjy4j Jo luautudjssd it e 08E8219 706 Successor in Interest of Borrower or to 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 any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this 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. Page 9 of 13 Form 3051 3/99 o Initials: c r.�.. aF' :sjetitul 66/E ISO u►a01 Lod, f T 9r o Et Jo oi Ara atoui 10 auo aq 11.12ttu osjg a.zatjj °mg7 ajggotjddy pug `;uaumxusui ,(unoas sup `atom 0143 lapun suot3gMggo 2utotnzas ugoj aasguotu iatj;o stuzojiad pug 2uatun lsuj Allmon sup pug aloN 0143 lapun anp s;uatuAgd oipouad sooaljoo 2gtj1 zaopu s ugol„ atj; sg umounj) Alpo atj; ut amp g ut 1lnsaz iq ui ajgs y •iamo°uog o; aot3ou loud ;notjum sawn a.iow 10 auo pjos aq ugo (luaumuisuj Allmon siq tpim .catj ;a2o1) atom a141 ut solo ui puled g 1O a3oN a14Z •aaugnat.z3 3o aai ;oNj :loam zaS W O'J 3o aguuga Jo a1 S '0Z •g I uotloas iapun uongia1aoog 3o asgo OM III ,tjddg ;ou jjg14S a1. SUial 0; 114011 s1141 `1anamoH •pa.un000 pgtj not ;gzalaoos ou 3t Sg ant2oa33a 'lln3 ut11uzal jjggs Agaiaq pamoas suot qqo pug ;uatun.z3suj A3 sup `zaMO.uog Aq ;uatua;g;sutaz uodn 1ajsugm! spund otuo12o01g (p) zo Alum 10 kijg1uatunllsui `Aouagg imam g pamsui 0xm susodap asotjm uoinu ;sui ug uodn umuip si zjoago lions Aug papinold `5joagjo s,lat14sso 10 Imp s,laznsgaJ1 '31ootio Iugq `loago patJtuao (o) `1apio Aauotu (q) `tjsgo (g) :lapua -1 Aq pops sr `suuoj 2utmolioJ am 3o alotu 10 auo ut sasuadxa pug sums ivama2s2sutai gons Xgd 1oM011og 211142 aunbaz Arta lapua-j •pauggoun anut ;uoo jjggs `;uaumz ;suj A ;unoas sup Xq pamoas sums age /cud o; uoi3Otlgo S,1amo11og pus `;uatunl ;suj A ;unoas s142 xapun s pug Auadold alp in Isamu! s Imp ainss11 o; almbaz Aigguossai Amu iopuo' sg uot3og gons so3igl (p) pug ;uatutu suj A;tmoas sup xapun s3j a pus Ayzadold 0143 ut ;sa10 ut s,lapua 5ui;ooiold jo asodznd 042 103 pazmout saa3 1a14 ;o pug `saa3 uougnlgn pug uogoadsut Xlladold `saa3 ,sAouzo ;lg ajgguosgoi `o3 paqunj;ou 3nq Tuipnjoui luatunz ;suj X3jmoas sup Sutolojua ut paunout sasuadxa jjg sA11d (o) °sluatuaalg11 10 s;uguanoo 101410 Aug jo ijng30p Aug somo (q) :poiin000 pgq uog11zojaoos ou 3i sr a ;om alp pus 3uatunl ;suj Aqmoas sup xapun onp oq pjnom uotp tot14M sums jjg lapuoi sAgd (g) :lomotlog ;11p3 azs suoutpuoo 0SOg ;uaunu;suj iiJjunoas sup Sutozopua luauapnf g 3o Aiwa (iii) 10 °a2g;stuaz 01 3140U S,z0M01U0g3o nou utuua; oge 10j (3toads Willi mg-1 ajggotjddy sg pound 1a1410 gons (ii) °zuatunnsu1 Allmon sup ut pautg ;uoo airs 3o lamod Aug o; iugnsznd X11ado.d a142 3o ajss oiojaq sXgp anti (t) :3o ;satjzna a14; o; 1ot1d atuz; Aug 3s panui;uoosip 3uaumzlsuj Aulno0s sup 3o 3uatuaolojua angq o; ;q2u 0143 ang14 jjggs 1oM011og `suot;tpuoo tnguao mom 10MO.uOg 3j •uoi ;uaajaaay .ia ;y a ;g ;spas o; ;ON mantoi1og '61 °1amo11og uo pusuzap 10 aouou 1a1431n3 ;nog ;tA 2uaum1Isu1 X ;unoas sitj Xq paniuuad satpatual Aug a)jonut At cu lapua-j `pouad sup jo not ;sztdxa alp 0; zoud sums asatj; Xgd o; sltg3 101401101431 •luatunz ;suj i( ;unoas sup X14 pampas stuns us Avd lsntu 10140.uog goulm ui1421M s j not ;oas 141tM aouspz000s ut uant$ si aoi30u alp. amp 0141 111013 sXgp p£ imp Ssaj ;ou 3o pouad 11 apinold jjggs aoilou 0141 mot ;slajaoog 3o 003011 lomozzog ant2 11g14s 1apu0'j `uopdo sup sastozaxa lapua -j 3I °Mug ajggotjddy Xq paligtgozd st asiozaxa tons 3t zapuo'I ,tq pasiolaxa aq mu jjggs uotido sipp `lanamog •luatunulsui X ;unoas sup Xq pamoas stuns jjg 3o jjn3 ut 3uatu,tgd algipoutun aiinbal Attu uapuo'j `3uasuoo uauilM 10iid S,1apua7 1noglim (panojsus1110 pjos St 1amo11og ut 2sala3ui jgioijouaq 11 pug uosiod jslnmgu 11 2011 si .10m0110g 3i 10) pa.uajsug11 10 pjos si Xuadold 0141 ut Isamu' Aug s0 Allodold 0143 30 I111d ATM 10 jjg 3I °zasg1oind g o; OWp ainm3 g 314 zaMOIIOH ,iq aj313 3o 1ajsu111; 0141 st got4M 3o 1ualut alp `;uatua0l$g MOJOSO 10 101141100 Saps luauujjg ;sut `poop 103 ;og1 ;uoo `poop zo3 puoq g ut pa1z0Jsug1; s ;sa1a ;ut jgtogauaq aso141 `0; pa11UIti 3011 ;nq Tutpnjoui `,(;1ado1d 014; ut 1sa1a2ut j11lozjauaq 10 jsSaj Aug maul „X1.Iodold a141 ui ;sala3ul„ `81 not ;oas sup ui pasn sy •J0A(0..1og u! ;salami jutauauag u .10 £.zadold 0143 3o .iajsugzy •81 •3uaurtu3sui J ;unoas sup 3o pug alojq alp 3o Adoo auo uani2 aq jjggs zaMouog •AdoD s,aa,toauog •uotlou ,iu11 a)j112 01 uotlg5ilgo Aug 2notptM uoilazostp ajos san18 X14111„ p10M 042 pug `11s1an aoin pug 1111n1d 041 apnjoui pug mow jjggs 1gjnftis 0141 ut sp1oM (z) `lapua2 au1tiitua3 alp 3o spIoM zO sp1oM :mum Suipuodsomoo apnjoui pus mow pegs iapuo2 autlnosgut 041 3o spIoM (I) :2uatun13suj ,t ;unoas sup ut pasn sy •uotsinold 2uz3oipuoo 0141 ;nog ;!M mama uant8 aq inn gotgA a20N alp .20 2uaum1Isu1 ii ;unoas sup 3o suotstnoud 101410 ;oa33g 1011 jjggs ;0431100 lions `Mg'j ajg11ogddy 1411M s2oiT3uoo a ;oN a141 JO luaunuisuj itlunoas sup 3o asn11jo 10 uotstnold Aug Imp ;uan0 ag3 111 •3011111100 Aq luatua01$11 3suir2g uoi ;tgt4ozd g sr panl2suoo aq 1011 11ggs aouajts lions 1ng 'luajzs aq 24 itu 3i 10 ;og13uoo iiq 001311 03 sound 043 molls Aj2totjdtui 10 Xjuotjdxa 1 mr 1 alg11oijddy •Mg-I ajggotjddy 3o suot1111jurtj pug s2uatuazinbai Aug 01 ;oafgns 0111 ;uatunz;sui ,i ;unoas sup ut paut112uoo suO1111 1 go pug s3143t1 jjy •140111001 st MJodozd 041 got4M ut uoiiotpsunf 043 3o M111 a141 pug mei 1111apa3 iiq paulano3 oq jjggs luaum12su1 ApinooS situ •uoi ;anl ;suoD Jo Sajng :,C;iliquaanas :MlVJ 3utu.tanoD •qj changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA 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. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the Page 11 of 13 OS S 19 708 Form 30513/99 Initials: j t ./C /r;, 66/£ iS0£ ►ua03 tamouog- (igas) Jamo uog- (igaS) Jamortog- (IgaS) ta (IgaS) ;t q tm paptooat pug tamonog ,Cq pa;noaxa iapu Aug ut pug ;uautnt;sui X;unoas stti; ut pautg;uoo s;uguanoo pug suua; alp o; saaag pug s;daoog 10/O11011 MO'I3g DNINOIS All •ftttuod(M3o smgi uopdtuaxa pga;satuog aq; 3o atuttn Act pug tapun s;g5u fig santgm pug sasga;at .tamo.uog •sJanium 'bZ me-1 aiggotiddy iapun pa ;;tuuad st aa3 all; jo Su:atggo atp pug patapuat sous .zo3 Aged ptttp g o; ptgd st aa3 alp 3i Apo ;nq `ivatunusui X;ttnoas stq; 2utsgaiat to3 aa3 g tamouog aigtio Amu tapua-i s;soo not ;gptooai Aug ,fgd !tugs tamouog •tuatunt ;sui ,f;ttnoas stq; amp.' Timis iapua7 ;uatnna;sui 'ftunoas stgi painoas stuns ;;g jo luaus fgd uodri •asgafan '£Z •;i o; militia ,flly2al suosaad Jo uosaad ay; o; ssaaxa Aug (a) pug ;uautna ;sul ,f ;ianaas stq; Aq paanaas sums fill o; (q) :saa; ,s,fauao ;g ajquuosgaa `o; paging ;ou ;nq luipniaui `afys all ;o sasuadxa iln o; (g) map() 2uiAtogo3 all; u; pa;lddg aq liggs alas aq ;o spaaaoad at u, .alas Aug ;y ;aado.d aq; asggaand Auut aau2 ;sap s;; Jo aapua7 •nMw I alqua;iddy Bq pagiaasaad aauuutu all; u; Nos aq iiggs SJadoad aq; pug 'aims jo aa;;ou all; gs;ignd;tugs Japua' •ST uo;;aas u; pap;noad Jauugm aq; u; Ja,Ao.Jog o; aims all ;o aa;;ou an12 iiggs aapuai tu7 all:muddy t p& aaugpaoaam u; `;uaaa33;p ;t `A;Jadoad all; jo uo;ssassod u; uosaad all; o; pug Jam o1Jog o; asopaao; o; WW1 JO aafou an42 !fulls JapuaZ aims jo JaAtod all; sagonui Japua' 3I •aauappta aft jo s;soa pug saa; ,sBauao; ;m alquuosmaa `o; paitug ;ou ;nq lu;pnpu; `ZZ uo;;aas s;g; u; papinoad salpatuai aq; 2u;nsand u; pa.Jnau; sasuadxa Iim ;aaIIoa o; pal ;ua aq ;iugs Japua' .mgt alquagddv fq pa;; ;utaad sa;pawai Jaq ;o Aug pug afros ;o Jamod aq; agonu; Sum pug puuutap aaq ;an3;nog;tM ;uatuni ;sul ,f;;Jnaas siq; Bq paanaas sums Hu jo lln; u;;uatuAud a;g ;patuug u nbaa ,from not ;do s ;g Japuari `aapou all; u; pagpads amp aq; aao;aq Jo uo Nana ;ou s; ;ing;ap all •alas pug uo; ;gaalaaag o; Jamoaaog ;o asua;ap Jag ;o Aug Jo ;iny;ap m ;o aaua;s;xa -uou all; ;Jassy o; uo ;am ;anon g 2maq o; ;gip aq; pug uo; ;gaalaaag Ja ;g a ;m ;sutaa o; ;Op all; ;o aaktoaaog mama; lag ;Jn; ;lugs aai;ou ags •B;Jadoad all; ;o algs pug ;uautna ;sul A;anaas s;q; ,fq paanaas scans aq ;o uo; ;gaalaaag u; ;lnsaJ Amu aafou aq; u; pagpads a;t p all; aao;aq Jo uo inmtap all; Jana o; aangu ;mg; (p) pug :Nana aq ;sntu ;ingtap aq; gapim `aantoaaog o; uan;2 s; aapou 6 0 FTZSIS41 £i 3O ZI a rd 311ONI P VH.LII g nox a 1ll3gO1l :sassau ;tM STATE OF WYOMING, The foregoing instrument was acknowledged before me this ETU joi Lt Z..00D by ROBERT E KOUF and BERTHA M KOUF husband and wife, My Commission Expir: County of Lincoln Kerry Millich Notary Public State of Wyoming My Commission Expires 8_j Z_j,003 ObC8 w1.J Page 13 of 13 tAl Notthy Public Not 710 Lincoln County ss: Form 3051 3/99 Initials c/