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(D) "Lender" is HOMECOMINGS FINANCIAL NETWORK INC
Lender is a CORPORATION °SI;7, 72
organized and existing under the laws of DELAWARE
Lender's address is ONE MERIDIAN CROSSINGS, STE. 100
MINNEAPOLIS, MN 55423
(E) "Note" means the promissory note signed by Borrower and dated AUGUST 10TH 2000
The Note states that Borrower owes Lender EIGHTY FIVE THOUSAND FIVE HUNDRED AND
NO/100 Dollars
(U.S. 85,500.00 plus interest. Borrower has promised to pay this debt in regular Periodic
Payments and to pay the debt in full not later thanSEPTEMBER 1ST, 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]:
1
Adjustable Rate Rider
Balloon Rider
VA Rider
MFWY7770 (04/00) 041 203935 -6
(0 6A(V/Y) (99051
Condominium Rider n Second Home Rider
Planned Unit Development Ride x1 1 -4 Family Rider
Biweekly Payment Rider 1 Other(s) [specify]
(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 describedin 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) misrepresentationsof, 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 SettlementProceduresAct (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 requirementsand 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.
Page 2 of 15
Initial.:
Form 3051 3/99
66/E L90£ mod
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Page 4 of 15
0 7472 1 12
UNIFORMCOVENANTS. 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 instrumentreceived by Lender as payment under the Note or this
Security Instrumentis returnedto Lender unpaid, Lender may require that any or all subsequentpayments
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 deemedreceived by Lender when received at the location designated in the Note or at
such other location as may be designatedby Lender in accordancewith 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 prepaymentsshall
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 encumbranceon 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
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ON67472 114
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, earthquakesand 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 determinationand
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 /oras 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 requiredby Lender, shall
be applied to restorationor repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restorationperiod, 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 restorationin a single payment or in a series
of progress payments as the work is completed. Unless an agreementis 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
MFWY7770 (04/00) 041- 203935 -6
®6A11NY) (9905)
Page 6 of 15
Initials: e.-/
Form 3051 3/99
661£ L90£ twod
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19066) (AM)V9- C2)
9 (00 /b0) OLLLAAUTAI
°b 116
attorneys' fees to protect its interest in the Property and /orrights 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 designatedpayments 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
requirementfor Mortgage Insurance ends in accordancewith any written agreementbetween Borrower and
Lender providing for such terminationor until terminationis requiredby 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 restorationperiod, 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 undertakenpromptly. 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 agreementis 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 restorationor 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,
MFWY7770 (04/00) 041- 203935 -6
412) -6A(WY) (9905)
Page 8 of 15
Initial,:
Form 3051 3/99
66/£ 6 90£ LIMA 9 6 abed
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(9086) (AM)
9 (OO /170) OLLLAMdVI
MFWY7770 (04/00) 041- 203935 -6
®6A(WY) (99051
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 Instrumentin 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 Instrumentunless 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 Instrumentto 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 interpretedso
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 permittedlimit; 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 Instrumentshall be deemedto
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 Instrumentis 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 agreementby contract. In
the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable
Page 10 of 15
Initials:
118
Form 3051 3/99
66/£ 190E W Od
6 T Te,tr�,9R4
9 t l t 060
cip
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91£6£OZ (00/40) OLLLAMdNI
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MFWY7770 (04/00) 041 203935 -6
®6AIWY) (9905)
Page 12 of 15
0 &67472
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafterthe 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 breachedany 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 requirementsof 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 threatento release any HazardousSubstances, 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 EnvironmentalCondition 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
EnvironmentalCondition, 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
HazardousSubstance 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 HazardousSubstance 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.
Initials:
120
Form 3051 3/99
66/E L90£ wind
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9 (00/170) OLLLAMAIAI
gututoci� 3o sMej uoi;dutaxa
pea;sauumi a p jo an;zrA ,iq par zopun s;ggiz jje sanieM pue saseaiaz nmozzog •saan;PM •6Z
°Me' j ajgEagddy zapun papjutzad si aaj alp jo Suigzntp
aq; puepazapuaz sao!Azas zoj dazed pziq; a o; pied si aa3 aq; ji Sjuo 3nq' ;uautnz3suj S;pnaas siq; guisealaz
zoj 00j a zaMozzog amp Firm zapua-j s3soa uoi ;epzoaaz Niue pied jjEgs zaMozzog 'ivautnz3suj Liaizn3OS
SIT aseajaz jjegs zapuarj'luatunz;suj Agpaznaas sums ur jo;uautdeduodn •asyalag •£Z
03 pal;;;ua SunSa; suosaad ao uosaad aqa
o; ssaaxa Sus (a) pun ;uauina ;sui SIanaas s ;q3 Aq pampas sums jje o; (q) :saaj ,sBauao3 ;e algmuoseaa
'o; paging ;ou ;nq 'guwnpu; 'ales aq; io sasuadxa lle o; (g) :aapao Sul tolloi aq; uI pa ;ldde
aq ;let's ales ay; io spaaaoad aqZ •ales Sun le Slaadoad aq; asegaand Sem aaug;sap s ;l ao aapua7 .Mel
algna;lddy Set pagpasaad aauuntu aq; a; Nos aq Hugs ,f3.tadoad aq; pug 'ales io aa;pou aq; gs;lgnd
netts aapuarl •51 no; ;aas u; pap;AOad aauuetu aq; u; aanoaaog o; ales aq; io as ;3ou Hugs aapuarl
'Mtn a;gga ;lddy ggtt aaunpaoaae u[ ;uaaaii ;p ii qJadoad aq; io uo;ssassod u; uosaad aq; o; pug
aaMMoaaog o; asopaaoi o; ;ua ;u; Jo aapou ael ;legs aapua7 'ales io aaMod ay; sa)lonu; aapuarl II
•aauapjAa a1; ;3 jo s;soa pun saai ,sSauao3 ;e a;geuoseaa
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jo aaMod aq; axonu; Sem pun punucap aay;anj ;nowt 3uauma3suj S;lamas sly; sq paanaas stuns lle
io gni u; ;uauded a;e;patutu; aalnbaa Sem uo;3do s;; ;e aapuari 'aalou aq; u; pagpads am) aq; aaojaq
.10 uo paana Sou s; 3lneiap ay; jI •ales pug uo;;yaapaan 0; Ja410.1.10ff Jo asuaiap J31130 ,fue .10 ;Inejap g
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aq; io aauoaaog mop; aag3an3 ;eqs aa13ou aqZ •S;Jadoad aq; jo alms pug 3uatuna3sui if; ;anaas s;y3
sq paanaas sums aq; jo uo; ;eaapaae u; 3insaa Sem gallon aq; u; pagpads app aq; aaoiaq .10 uo 31nm3ap
aq; Jana o; wimp; leg; (p) pug :paana aq 3sntu 31nejap aq; ya;gln sq 'aa<noaaog o3 uan>g s; as ;;ou ay;
a ;gp aq; moaj sAlp p£ ug ssa; Sou 'a3ep a (a) :;Inejap aq; Jana 01 paa;nbaa uopae alp (q) :3ingiap aq;
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o; aopd Sou 3nq) ;uatuna;sul Sg;anaas slg3 u; ;uautaaage Jo ;uyuanoa Sue jo gaeaaq s,aaiAoaaog
guLnolloj uo;3gaalaaan o3 aopd aatnoaaog o3 aa;3ou aA ;g ;legs aapuarj •sa;pamag :uopeaalaaay •ZZ
:smojjoj se aazgE puE;uRUaAO9 zaq ;zn3 zapua-I pug zaMozzog SJ YM AODL"RIOdlisin-AIOM
Witnesses:
MFWY7770 (04/00) 041- 203935 -6
6A(WY) 189 05)
Page 14 of 15
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.
s
LIS H NELSON
EILEEN P NELSON
12t
Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
Form 3051 3/99
66/£ L50£ wind
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`DNI IOAAA 30 3I.VIS
1 -4 FAMILY RIDER
(Assignment of Rents)
THIS 1 -4 FAMILY RIDERis made this 10TH day of AUGUST 2000
and is incorporatedinto and shall be deemed to amend and supplement the Mortgage, Deed of Trust or
Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower to
secure Borrower's Note to
HOMECOMINGS FINANCIAL NETWORK INC
(the
"Lender of the same date and covering the Property described in the Security Instrument and located at:
1113 NORTH STUMP CREEK ROAD
AUBURN, WY 83111
[Property Address]
1 -4 FAMILY COVENANTS. In addition to the covenants and agreements made in the Security
Instrument, Borrower and Lender further covenant and agree as follows:
A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTRUMENT. In addition to
the Property described in the Security Instrument, the following items now or hereafter attached to the
Property to the extent they are fixtures are added to the Property description, and shall also constitute the
Property covered by the Security Instrument: building materials, appliances and goods of every nature
whatsoever now or hereafter located in, on, or used, or intended to be used in connection with the
Property, including, but not limited to, those for the purposes of supplying or distributing heating,
cooling, electricity, gas, water, air and light, fire prevention and extinguishing apparatus, security and
access control apparatus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves,
refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens,
blinds, shades, curtains and curtainrods, attachedmirrors, cabinets, paneling and attachedfloor coverings,
all of which, including replacementsand additions thereto, shall be deemedto be and remain a part of the
Property covered by the Security Instrument.All of the foregoing together with the Property described in
the Security Instrument (or the leasehold estate if the Security Instrumentis on a leasehold) are referred to
in this 1 -4 Family Rider and the Security Instrument as the "Property."
MULTISTATE 1- 4 FAMILY RIDER Fannie Mae /Freddie Mac Uniform Instrument
MFCD8057 (4/00) 041 203935 -6 Page 1 of 4
-57R (9912) VMP MORTGAGE FORMS (800)521 -7291
Initials:
FORM 3170 3/99
11
1
11
1011
1 24
1
11
INN
66/£ 0L6£ WHOA
(Tnn) `.Alzadoxd am jo sauag amid jo ile aniaaaz pue papa m paITL1ua aq geiis zapuaq (nn) `.auaumilsui
Allman am pampas stuns am o; ponddi aq oa 'Apo zapua -I jo aipauaq aTp zoj aalsnii se zamoizog
Aq piaTt aq Ilggs zamoxxog pantaaaz sauag Iie (1) =mama of lingjap jo aopou sani2 zapua'i 3I
t�iu0 AlunaaS peuOilippg zoj auauwu2!ss ue lou pug i)uaTum2isse alnjo qe ue sainmsuoa qua'
jo auauuu2ISSg spu, 'lua u sjapua'1 JO zapua'I Oa pied aq of are slung am Te p (s)luguai am oI aopou uani2
Sidi zapua'I (TT) puquaunuisul'liznoaS agl 3o ZZ uoiapaS oI luensind 1ingjap 30 aollou zaMOZZOg u0n12 S Tj
zapua'I i ipun Sauag agI aniaaaz OILS zamorr0g 'Jana /OH •S1U0Se s,zapua1 x0 zapua'I Ol slung aga /Cud
pits Aliadozd am jo Iuguaa gaga lggl Saar* pug `Saul) am papa 01 swag s,zapua'I JO zapua'I sazUoTimne
zamorrog •aige&ed axe Alzadoxd aria jo swag aria Tuogm of jo ssaipreSax `Alzadoxd aria jo „slung
sanuanaz pug sluaz aria IIe zapua-i oI szajsug q pug suitsse SiiguoTlipuoaun pug £iaaniosge zamozzog
1OISSIISSOd M 8aa>\iII'I *IdAIII3DI 10 INIalAIINIOddV tSJNIaa d0 LAi3NINOISSV 'H
piogaseai a U0 Si luauinzlsui AmmaaS am 31 „asgaigns„
team Timis „aseal„ prom agp `Ogdhr2ezgd sTgl ui pasn sy •uollazosip aios mapua-i ut 'Sawa! matt alnaaxa
01 pug sasgai 2uiasixa aglaagu!TUxaa z0 puapxa &jipom OI RR!' am anvil oils zapua'I luaumaisse aria uodn
•kpadozd aria jo saseai gaimuopaauuoo ui apgm saisodap kaiznoas iig pug Alradozd aria jo sasgai iig zapua'I
01 u2Isse Begs zamozz0 `IlnWJap zaale isanbaz s uodn •sasva'I 30 J aF1iN9Issv '0
•paaaiap sl Apadozd 0T 3o Saugdnaao s,zamozz0g Suluzaauoa 9 uolloaS
`2u1JTxm ui aaJ2e asimraglo ramoxrog pug rapua-i ssaju
•S uoTaaaS pa unbar si aoueznsui goTgm xoj spirzgq nip am
01 uouaippg ul ssoi Iuax lsuie2e aaugznsUT uipluptu HMIS zam0zz0g •gDNV 1f1Sm SSO'I LN U 'Q
•uoissIuuad
uaalirm zoud s,xapua-i lnomuit Alradozd am Isuiag palaalzad aq oI luaumxlsui AliznaaS agl oa zouajui
ua1i Aug moue loll Ilggs ramor10g `mg! pguapa3 tigpaaaiuuzad SE ldaoxg aivmml1Ogf1S 'i
•Alzadoxd gip 01 aigeagdde kpoq Ieluauuuzano2
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OM 0) 2upizm ITT plane sgg zapua'i ssaiun `uopgai iss%lp &uiuoz SIT zo Alzadozd aga jo asn am uT auega
03I1TU JO 01 aai2g `Maas Iou Begs xamozxog •Avn HIIM apispi IJJNOD
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n •A3NVdIDDo s flaAAOIRIOl •3
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1 26
Borrower agrees that each tenant of the Property shall pay all Rents due and unpaid to Lender or Lender's
agents upon Lender's written demand to the tenant; (iv) unless applicable law provides otherwise, all Rents
collected by Lender or Lender's agents shall be applied first to the costs of taking control of and managing
the Property and collecting the Rents, including, but not limited to, attorney's fees, receiver's fees,
premiums on receiver's bonds, repair and maintenancecosts, insurance premiums, taxes, assessments and
other charges on the Property, and then to the sums secured by the Security Instrument; (v) Lender,
Lender's agents or any judicially appointedreceiver shall be liable to account for only those Rents actually
received; and (vi) Lender shall be entitled to have a receiver appointed to take possession of and manage
the Property and collect the Rents and profits derived from the Property without any showing as to the
inadequacy of the Property as security.
If the Rents of the Property are not sufficient to cover the costs of taking control of and managing the
Property and of collecting the Rents any funds expended by Lender for such purposes shall become
indebtedness of Borrower to Lender secured by the Security Instrument pursuant to Section 9.
Borrower represents and warrants that Borrower has not executed any prior assignment of the Rents
and has not performed, and will not perform, any act that would prevent Lender from exercising its rights
under this paragraph.
Lender, or Lender's agents or a judicially appointed receiver, shall not be required to enter upon,
take control of or maintain the Property before or after giving notice of default to Borrower. However,
Lender, or Lender's agents or a judicially appointedreceiver, may do so at any time when a default occurs.
Any application of Rents shall not cure or waive any default or invalidate any other right or remedy of
Lender. This assignment of Rents of the Property shall terminatewhen all the sums securedby the Security
Instrument are paid in full.
I. CROSS DEFAULT PROVISION. Borrower's default or breach under any note or agreementin
which Lender has an interest shall be a breachunder the Security Instrumentand Lender may invoke any of
the remedies permitted by the Security Instrument.
MFCD8057 (4/00) 041 203835 -8
C)-57R (9912)
Page 3 of 4 FORM 3170 3/99
Initials•
BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this
1 -4 Family Rider.
ELLIS H NELSON 1 Borrower
MFCD8057 (4/00) 041-203935-6
-57R (9912)
EILEEN P NELSON
127
Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
(Seal) (Seal)
Borrower Borrower
Page 4 of 4 FORM 3170 3/99