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HomeMy WebLinkAbout867585Return To: HomeComings Financial Network, Inc. One Meridian Crossing, Ste. 100 Minneapolis, MN 55423 Loan Number: 041- 207906 -3 Prepared By: HomeComings Financial Network 14850 Quorum Drive, Suite 450 Dallas, TX 75240 DEFINITIONS 867585 [Space Above This Line For Recording Data] MORTGAGE n I Vr. D 00 t i U G 16 1300K PR PAGE__) 8_b MIN 100062604120790631 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 AUGUST 15TH, 2000 together with all Riders to this document. (B) "Borrower" is DANIEL K DOCKSTADER AMD KIMBERLY A DOCKSTADER, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT WITH MERS MFWY7770 (04/00) 041 207906 -3 6AIWY) (9905) Page 1 of 15 Initials: VMP MORTGAGE FORMS -18001521-7291 KEMMERE WYOMING 11 iu II Form 3051 3/99 1 III 08E7585 (D) "Lender" is HOMECOMINGS FINANCIAL NETWORK INC Lender is a CORPORATION organized and existing under the laws of DELAWARE Lender's address is ONE MERIDIAN CROSSINGS, STE MINNEAPOLIS, MN 55423 (E) "Note" means the promissory note signed by Borrower and dated AUGUST 15TH 2000 The Note states that Borrower owes Lender ONE HUNDRED FIFTY FOUR THOUSAND AND NO/100 Dollars (U.S. 154,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 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. (II) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Balloon Rider n VA Rider (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" mean those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under' the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. ;.Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. MFWY7770 (04/00) 041- 207906 -3 6A(WY) (9905) Condominium Rider Planned Unit Development Rider n Biweekly Payment Rider Page 2 of 15 100 Second Home Rider 1 -4 Family Rider Other(s) [specify] a r 1 Initials Form 3051 3/99 66/C L90£ WJod [apo0 diZ] Z Z T E 8 [mils] 6 'Auodoid igaJ 3uuanoa ieawnusui Munoos WJOJlun a ainipsuoo of uopoipsunf ,iq seopuuen poiputi y1iM slueuanoo uuoyun -uou pug asn iuuopee Jo3 siuguanoo wzojiun sautgwoo .LNHN]f12ILSNI UDIf10dS SIHJ. °pzooww jo saoueJgwnoua Niue of loafgns `spuuuiap pug swrnio I[e isurgh Auadoid oqi of app oqi Aligiauo2 puajap iitM pue siug°uem zamoziog 'mow jo saougigwnoua Jo; idaoxa `pazagwnouaun si MzodoJd ow imp pug MuadoJd ayi 4tanuoo pug umi `o2g2uow o1 i112u oqi my pug poA0M1OO £goioq aiefsa ay13o pastas kin3Mei st JOMOJJOH ie[p S,I°NVNHAOO ?IdMO1NOg ivawnzlsui Alunoos stye 2ugaoug3 pug utsgaiai `oi painuq iou 1nq `2utpniout iapurj jo pazinbai uopoe Aug ojm of pug :Auadold acg Iias pug asoJOaJo3 01 iygu aq1 'GI paliwti iou inq `2utpniout `slsaJalut asoyi 3o iiu Jo Aug astozaxa of :1y$u zip sgq (su3tssg pug szossaoons s,Japuo i pue zapua-I .toj aautwou sg) s air `woisno Jo MeI yfiM i 1dwoo of AnessaOau jt 1nq luatinuisui Munoos stye in JOMOZZOg iiq paluga slsazaiut ayi of app law ,iiuo smog SlIdw imp saa12e pug spu SJapun JOMOIJOEI °,CuodoJd„ aiii se luawniisui Aiunoas stye ut of pauajoi st 2uto2azoj ayf jo iiy luawnzisui Munoag stye Ai poionoo aq osie Hulls suopippe pue sivawazgidai iid luadozd otp jo ued a Jaljeazay Jo Mou saznixij pug `saxmeuaunddu `sivawasga IT pug `iivadozd oqi uo moon zaijeazaq Jo iou sivawanoJdwt 91 Ile RUM 2IaR129O.L 3o ssa1ppe aqi suy dpuauno gOIgM 2utwoi(M [Ain] 9 L JOE 9694 iso66) (,AM)v9 CS) E (00 /b0) OLLLAMdNN „ssaippv MuadoJd 2IHAO2I`J 6 Z T QK02i 1C1NQO3 T EL, 0090ZOOTZE8TEEZT :JaquinNQliaoled ;oaaaq 1.zed a apew pue ogaaaq pagoegqe uoigd TebaI [uonotpsun1 SuTpiooaJ jo auxiN] [uonotpsunj 2utpiooaJ jo adijj N`IOONI'I Jo LLNII00 ay1 w poigooi ,fuadozd paquosap 2 utmoiio3 ayi `olus jo Jamod yliM .saais jo su2isse pug szossaOOns ayi of pug (su2isse pug szossa0Ons s,Japuo i pug zapuol JOJ aauiwou se /iaios) SggiAI of ,ianuoo pug iugz2 `o2g2uow ,igazay sop iomouog `asodznd siyi Jod °a1ON ay1 pug luawn°nsui i(lunoos stye Japan sfuawOOJ 1 pug smug/too s,Jamouog jo aouuwzojiod ayi (q) pug °a1oN ayi 3o suopeoi31pow pug suoisuaixa `siumouaJ «g pug `limn ai[i JO luawAudaz ayi (g) :Japuol of samoas luou nJisuj Xlunoos s!UZ AIIIddO2Id MIL NI SIHJRI JO 2IddSNH1II luawnnsui Aiunoog stye Jo/puu oioN ayi Japan suope2iigo s,Jamo°uog pawnssu suy Hued imp iou Jo JagfaiM `filmdomd alp of app uwiei suy imp Aued Aug suuaw „JaMO.uog 3o isaaaiuI ui Jossaaans„ (a) 0&30'58 5 UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items.' At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts MFWY7770 (04/00) 041 207906 -3 6A(WY) (99051 Initia Page 4 of 15 Form 3051 3/99 66/C L90£ wiod e 40 s used Noes) (AMIV9 (1),„„, E 1170 (00 /170) OLLLAAAdNI 0141 Ruhi;tivapt OOIIou a zamozz0g anti sum zapua-I `luawnzisul Aftmaas stip JOAO Aluoud ure11e UM tpignn uoti a o1 loafgns st filmdom otp jo lied Aug legs saupuJoiop zapua-I ;I •luownzlsUJ Mlunoas snp o1 uagt alit 2upeutpogns zapua-j o1 £rolae;stlgs luawooan tm uatt aqi ;o zaptoq alp mu saunas (a) zo `.papnpuoa azn sRutpaoaozd Bans 'pun inq Tutpuad aze s2utpoo ozd asogl altgM Jig!' aq1 ;o luawaazo;ua aql ivanazd 01 afezodo uotutdo s ut gotgm s2utp0000zd Tn2at `ut uatt alp jo fuawaazo;ua lsute2e spua;ap JO `Aq glte3 pool 111 uatl 0q1 s1s0111o0 (q) `.luawaa.an Bons 2utuuo;Jod s1 zamoUOg se 2uot os Atuo inq `zapun- 01 otqgjdoom zauuew a 111 uatt aqi ,iq pampas uoui ijgo aqi jo 1uawiied alp Ol 2upum ut saaz$e (n) :zaMOUOg ssaiun luownzisul diunoos snti zano /Cluoud suit gatgm uott Aug aftgostp iipdwozd pegs zOMOUGH uonoos ut papinozd zauuew otp ut wow And jings zamouog `swan Mozasg azn swap asagi legs luolxo otp oy *Atm T `sluowssassy pug `saod `song uoputoossy AitunwwoD pun `,iue ;T `Aizadozd uo sum punoa JO stuawAnd ptogaseat luownzisul Afunoos stgl JOAO Muoud utnfie ueo gatgm Arodozd alit of atquinquue suoptsodwt pun `sour; `so2inga `sluawssossn `soxnl Iin And ;tugs zamortog 'wan 1sanngj •b *.topual iCq Nog spund ifue zamozzog o pun ;az Apdwozd pegs zapuaj luawnnsul *moos stgi Aq paznaas scans rig 3o TIn3 ui ivawAed uodll •sivaw,ind Atgluow antOM1 ungl azOw ou uT inq `ydsgi giTM aauepzoaag ut Aouarai;ap aqi dn Agin of Azessaoau funoure ayi zapun' 01 And pegs zamouog pun `ddsa I iq paztnbaz se zamoUOg C;T1ou TTggs zopuog `vdSa I zopun pout;ap sg 'mama ut ptaq spund jo Souatatpap a st wow 3I •sfuawAed Aigluow anlaM1 uegt azow ou w inq `ddS E I 1 11!M aouepz000e ur ofnuogs oqi dn ortuw o1 £I ssaoau iunowg otp zapua-I of And pegs zamoUOg pug `vdsgg pannboz sit zamozzog A;nou eggs zapuai `vdsau zapun paugop sn `MOZasa ut ppq spund jo aftuogs n sr mow 3I •HdSd2I 111TH aaugpz000n 11t spun; ssaoxa otp z0; zam0U01j of lunoaan pugs zapuoi Vas au zapun paugap sit `MOZasa ut ppq spun; jo snjdms s st mow 3I •�'dSd2i Rq pannbaz sit spun; 0141 ;o 2ullunoaan pnnuug un `a2zego inoiltm `zamortog 01 04 hugs iopuaj *spund aql uo mud aq pegs lsazafu! 1eg1 `zanamoq `2ufUM ut man ueo zapuaq pug zaMOZtog *spund agl uo s2utuzna JO isaz0111t Aun zamonoa And o1 paztnbaz oq 1011 putts zapuo-j `spund 0111 uo pied oq o1 Isazalu! sannbaz Men atgnogTddd JO 2ut1uM ut apew sT 1Uawoaz.S1 11¢ ssatu(I •a2zego a qons oijew o1 zapua-I situuod Mg7 algeaitddy pug spund alit uo 1s0z0111t IOMOUOg spied zapua1 ssatun `swan Mozasg aqi tut i;uan JO lunoaae Mozosa ag1 $utzAinue Afnnuun `spund 0111 2utiitdde pun 2utptoq so zamoUog o2.mgo 1011 pegs zapuoi •ddS )J zapun po �3toods awq aq1 until zalnt ou swan mimosa 0111 And o1 spund otp Aidde'tugs zapuo-I •hung 111101 owoH tezapad Aug ut zo (paznsw os aze susodap asogM uoTinitlsut 1111 st zapuol Ji `zapuo•j 2utpnput) 41u0 JO `A1Tinluawnzlsui `Aoua2e inzapa; n iiq paznsul azn sltsodap asogM uotinitisut tin ut ptaq aq pegs spund agy mg"i atgnoitddy 111tH aaunpz000t ut asihuoglo z0 swan Mozasg aznln; jo saznitpuadxa ;O saigwllsa atgnuoseol pun elnp luOUna ;o stsgq ow uo anp spund ;0mown otp algwtlso Ilmis zapua-I •VdSd2I zapun annbaz uga zapuat a lunoum wnwtxnw agl paaaxa 01 1ou (Z) pun ddSd2I zapun po pads aw11 ag11g spund otp Aidde of zapun' itwzad of fuaTat;;ns (t) funown 1111 111 spund ptoq pun mum `aunt Niue 1n `Anw zapuol uotiaas S141 zapun paztnbaz uagl 01e 1ng1 `slunoum lions ut pug `spund Itn WW1 01 And rings zomozzog `uopttoonaz lions uodn `pug SI 11onoas glTM aaunpzoaan ut UOATff 0011011 awn Aug in swag Mozasg i1n .10 Aun o1 sit JOATUM aril a)Ionaz Inca zapual •lunown lions i(un Jopua-I o1 ,(edoz 01 6 uopoas zapun pole2ggo oq 110141 limp zomouog pun mown lions And pug 6 uotlaas zapun siq41 slt astazaxa Amu zapua-I `wall mama tie z0; anp lunown 0141 And o1 spe; zaMOZiog pug `zantSM g o1 luensmd 'Amami swa1l mama find 01 pow qqo sT J0MOUOg ;j •6 uottoas uT posn sT „fuawaa1B1 pun lUUUOAOO„ asezgd otp sit luaumzlsul i(1Tm00S stgi 111 pauteluoo luawaaz2e pug luguanoa a aq 01 pawaap oq sasodznd ire zo; rings sidtaooi award o1 pug sluawAnd "pus aatew o1 uopiaggo s,zomoUog •annbaz Amu zapun' sit pound awti 'pus utglJM 1u0WIind lions 2utau0Plna sldtaoaz zapua-I o1 gstuzn3 hugs `sannbaz Japuo-1 ;T `pus, zepua -I Aq pantem uaaq se14 spund jo fuawked goigM zo; swot' Mozasg iiue zo; onp nRn4.9ifin U��7r lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone determination, certification and tracking services or (2) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with MFWY7770 (04/00) 041 207906 -3 ®®6A(WY) Ism) Page 8 of 16 In 39 r u Form 3061 3/99 66!£ 150£ WIod 96C L 90 L 050d (5066) (),M)V9- E tIO (oo /HO) OLLLAMdYAt aigeuoseai 2ub(1 d pue 'moo ut Suugadde (z) 'uawnJlsUi Alunoas snit JOAO Aluoud sey goplm uan! m Aq palnoas scans Aug SutAed (I) 'et pawn!! 1ou OR nng `apnput tiro suonog s,Japua-I •Auadoid ayi Suundai Jo /pue 5uunoas pue `AtJadold alit jo amen 2141 Sutssasse .10 /pue 2utioaloid 2utpnput `ivawnmsui Aiunoas stye Japun slgsu pug AuadoJd aqi ut isalaiut s,Japual toaiold o1 aieudoldde io aigeuoseai sT Jana1giM Joj Agd pue op Sew Japua'j uayl `AUadold alp pauopurqr JJMOJ1011 io `(suotlginsai Jo SAM a0J0JUO 01 Jo luawtuISUJ Aiunoas snit Jano Aitloud utgng Arm yongm uat! g jo tuawaolojua Joj `aJn11a3Joj 10 uoneuwapuoo Joj `alggoad `Aoldnplutq u! 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(uonewiojun fUualgw ytnm Japua apinoJd o1 pajw; ao) Japun- of S1uawai11S Jo U09gUUO3ut algmoogut Jo `Sutpeaisiw `asle3 Aiigtaalew Onus 11as1103 JO 0SpOTM0Uj S,JOMOJJOg iIIM Jo JaMOJJOg 3o uonoaJip aq1 114 Swing satlpua Jo suosiad Aue Jo JaMouog `ssaooid uongonidde ugo-I atp Suunp `3t 1lneJap u! aq iimys Jamouog •uot ;eoliddy ueo•I mamoaaog •g •asneo aigeuoseai lions SuiAjioads uopoadsut Joualut ue ions o1 Joud Jo JO Omit ag11g aopou JOMOJJOH an!S Hugs Japuaj •A11 doJd aq1 uo sivawanoldw! alit jo Joualul alp loadsut Arm Japuari `asneo algeuosgaJ st q 1! 3I •Auadold alp jo suotloadsut pug uodn sa nua algeuosgal mien! Suw lua& sin Jo iopuaq •uonlu1O1SOJ Jo Jigdai ions jo uopaidwoo alit au uopuStigo S,JaMOUOg jo panatps ton st JaMouog `AUadom ail 0J01saa 10 Jtedai o1 luato133ns loll we spaaooad uonguwapuoo JO aouelnsut 01413! •paiaidwoo s1 *Tom atil sg S2UatuAgd ssai old 3o sauas a ut Jo 1U0WAgd 0j2UiS m Ut UOIIRJOISOJ pug undo' 0q Jo3 spaaooad asmgsip Amu Japua•i •sasodand ions Joj spaaooad pasgai0J seq Japua7 3t Aiuo Auadoad ayi Sutaolsal Jo Suun dal Joj aigisuodsai aq !lugs aamoiiog `A1JadoJd agi `3o Supigt alit Jo `o1 aSgwep glim uopoauuoo ut pigd an spaaooad uonguwapuoo Jo aougmsu! 31 •asgurep Jo uonlgloualap latiun3 pnong 01 po gwgp 31 Auadoid atp Jredoi Aiidwold dugs J0M0J10g `appsga3 Aip,otwouooa 1ou Si uopgaolsaJ 10 JigdaJ Imps UOnoas o1 lugnsand pautwJalap st 1T ssalun •uonnpuoo s1T of anp amen ut Sutsmaloap JO SU11 10ualap W04 AuadoJj ail luanaJd o1 Japao u! AMJadoad ag1 urelurew !lugs JaMO.uog `A1Jad0Jd anp ut 2unp!sa1 sn JOMOJaog 10U 10 JOt lagM •AuadoJd alit uo mum itwutoo 10 a1gJOUatap of AuadoJd ail moils `Auadold ail amdwn Jo aSmtugp `Ao.nsap loll !legs JaMouog •suol;aadsul qpradoad ay; 3o uolpa;oad pue aaueua;u I%I 'uopenaasaad •L •losluoo s,1oMOJJOg puoAaq an gotgM 1ST/CO s0Z11g1SWU011O Supgnualxa swim Jo `piayyliM Aigguosgaaun aq IOU Heys tuasuoo go `SufUM u! saalse astMuaylo Japun ssaiun `Aougdn000 jo amp at{i Jour JmaA auo !seal lg Joj aouapTSaI p dTOuud s,JamoJJog sr Auadomd am Adn000 01 anutluoo ins pug luawnesui Alunoas spp Jo uopnoaxa alp Ja13g &Cup Mxis uny1TM aouapisaI p d!ouud s,Jamouog sg Ailadold ay1 asn pug `ysgiqutsa `Adn000 !lugs 1amouog •Aauedn3a0 •9 •anp uagl 10U JO Jagtaym luawnASUJ Alunoas snt.p Jo atoN 0141 aapun pnedun murmur Agd 01 Jo AlaadoJ, 0141 0101501 JO ngdai 01 aaylp spaaooad aoutunsur ay1 asn Agw Japua'i •Aiaadoid 0141 jo a2Eaanoo ail 01 algeotiddm a.m s1y2u lions se moan `AuadoJd 0141 2UU0A00 SOLM Od aougansut !Im Japun Jamouog Aq pmd swntwaad paturaun jo pun3a. Aug o1 lysU ay1 amyl aaylo) su a s,1amouog 3o Jay10 Aug (z) pug luawfJlsui Alimoas sail JO atoN 011 Japun pnedun siunowe 0141 paaoxa of toll lunoure ue ut spaaooad aouemstn Aug 01 RIOT.' S,10MOJJOg (I) Japua1 o1 su Agaaaq 1amouog `astMJagio Jo ZZ uoTioos Japun AuadoJm ail sannbot Japua-I 3T Jo luana Jay110 !II •uanns si aouou aq1 uagM utsaq IIIM pouad Aup au •wrelo alp arms pug almtlo2au Agw Japun' ump `wrep a arms o1 pa1a33o seg JauJ10 aouglnsu! alit test Japun -i woa3 aopou m o1 &Cep O£ URy IM puodsai 1ou saw JaMouog 3J •s1a11mw patglaJ pun wisp aotnunsut alggligng Aug alms pue aletlosau `ait3 Attu Japual `A1JadoJd anp suopugqu JaMOJJOg 3I •z uotloas u! Joj pap!noad Japao alp ut ponld& aq !lugs spaaooad aourinsut lions •JaMO.uog 01 pied `Aug 3T `ssaoxa 0141 attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable; notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, MFWY7770 (04/00) 041- 207906 -3 6A(WY) (9905) Page 8 of 15 Form 3051 3/99 66/£ 1.90£ mod 36( 91. ►o 6 e6¢d (9066) (AM►V9- (00/170) OLLLAM1141 sup $utu2is -oo si (g) „xau$is -oo„ 11) aioN otp alnoaxa iou swop 1nq luawniisul Agmaas Sup s112iS -o0 otM xOMOJJOg Aug `xanamoH •Igxanas pug luiof aq pegs ,ilgigeq pug suopu tjgo s,zammouog mtp saax2e pug siu11uanoo zaMouog •punog sulIssy pug saossaaans :saaupls -o3 `inIIggli Igianas pug lulof •£i •Apawax JO iq u Aug jo asroxaxa otp apniaaxd zo 30 31AIM e aq 1011 hugs 'onp uagl lunoure otp uegl ssal slunoure 1111 JO JOM0110g 30 1saxa111l ui S10SS000ns JO sotlr 110 `suoszad pngl wog sivawArd jo aou111d00oe s,zapua'I `uopegtup lnoipiM Tuipnput Apawax JO 1gan Aug Buistoxaxo ui xapua' Aq aouezgagio3 Airy •xamouog 3 lsaxalui ui sioss000ns Aug JO zaMouog put2uo aqi Aq apuw pumuop Aug jo uosgaz iiq luawiulsul Aiunoas sigi iiq pamoas swns otp jo uopuziuotuu C3ipow astMxaglo JO 1uawA11d x03 amp puma o1 asnpaz 01 JO zaMouog jo lsaxalui a xossaoons Aug isum2g spuip0000xd aouowwoo of pannbax aq iou pegs xapua-j •zaMouog 3 Isazalu' ui szossaoons ,iue x0 xamouog o Aiiligetl otp asgalax rn oituodo iou Begs zaMouog 3 lsaxalui ui xossaoons Niue JO zaMouog o1 zapuarl Xq puma ivawnz'asul Alunoas stgi Aq pomoos scans aqi jo uopuzpiowg jo uoUeot31Pow JO luawited zo3 awn otp 3o uotsuaixg •aanlIM g ION aapua' kg aaugagagaog :pasuatag ION aaMOaaog ZJ uo ut zo3 poptnozd zapxo aq1 ui pagdde aq hugs /lxadoxd aqi jo xtgdax xo u0i1ezolsax of patjdde iou 0x11 1g1(1 sp0000zd snoaugpaosilnl IId °zapuarl 01 peed aq hugs pug p0uWIss11 iigazag azg (lzadoxd 0111 a Isaxalu! s luouziedtui 0111 01 algeingpllg axe 111tp so3eump x03 wisp x0 pigmy Aug jo sp0000id aill •luawnzisul Munoos sigi xapun JO Alxadozd aqi ui Isaxalu! s jo luouun dui letzam11W x0110 xo Iilxadozd at1 jo axniiapo3 sapnjoazd `1uau2pnf s,xapu0-I ui `111111 $11ilnx g tuM passiwslp oq 01 3uipa000xd zo uoilog ay1 puisneo Aq `61 uop0as ui paptnoxd sg alelswaz 'poun000 sgg u0ilexal000g 311 'pug 1lttejap a tons amo 11110 zaMouog •luawnzisul Mlun0as sup zapun ROI' JO A adoxd alp ut lsaxalui sdropua' jo luouutedwi leualew xaipo JO Mxadoxd 0111 3o axnitapo3 ui 1lnsax pino0 yuawppnf s ur `111({1 un2aq st `leuttign JO Itnm° xaglagm `8uip000oxd zo uoilOg Aug 3i ipwjop ut oq pugs x0MOxxog •spa0oozd snoau11lla0StW 01 pre20x ut uotlog jo 1g2u a set xamouog wogm isuieh /Cued ow JO spa00oxd snoauell00sm xamouog saMO 111(11 M1znd pn111 otp su11aw „dlzed .Sutsoddp„ onp 110tp mu JO xaglaiM luawnxlsul Agmoos s!g1,iq pamoas scans aq1 01 JO filmdozd otp jo xiedax .10 uoiiezolsaz 01 xatlia spa000zd snoauepoospAl otp dldde pug 10apo0 01 pazuogln11 si zapuoi `uantp st 00(1011 0111 amp ail xalme s1iep wpm xapu0Z en puodsoi o1 sjte3 zaMouog `s0Seurep zo3 wiep a apps o1 pzeMm 1111 oval o1 snip (aouaivas 1x011 otp ui paugap sg) Alzgd 2uisoddp 0111 111(11 zaMouog 01 xapuo'j Ag aoilou x01311 `3i JO `zaMouog pouopuege st Mlxadoxd aq1 3I •anp u0g1 az11 scans 01111011 JO xaipagM luawnzisul *moos sup Aq Palmas scans ow 01 paildde aq puts sp0000zd snoauellaosil^l 0113 TuilUM ui aai2u asIMZatlo zapua-j pug xamouog ssalun `omen ut ss01 JO `uojlonxisap `2utaiel lepled aq1 axojaq Ajaletpawwt pamoas stuns otp 3o lunotue 0111 ueyl ssal Si amen ai ssol JO `uopO(uisap `2ui)iel Igilxed ow atom iilaleipawwi Auadoxd 011130 amen 10)1111w x111; ay1 g0igM ut Mxadozd 011130 amen ut SSOI JO `uop0nxlsap `211(x11( leuxgd a 3O Juana otp tit •zaMouog o1 pied aq pugs aotreleq (uy *own ut ssol zo `uoilon.nsap `2uptei mind otp axopag Apleipawun Alzadoxd 0111 3o amen la)lxew zte3 otp (q) iiq papinip amen ut ssoj xo `uoilonxlsap 'gilxed ow mpg (lalgipawwt pamoas swns 0111 jo lunowe 111101 oq, (e) :110(1011x3 puIM011oj 0111 Aq paildpinw spa0oxd sno0uepa0sm ati 3 Iunoum aq1 Aq pOOnpax oq pugs luawnxlsul Alunoas sill Aq paxn0as stuns 0q1 Tui1uM w 0axag as!Mxatl0 xapua-I pug zaMouog ssalun 'awn ai SSOI JO `uo11On.psap `2111)1111 mind ail azo30q Al0l11ipawwi luawnzlsul Mlun0as sup Aq pamoas suns otp 3 11111(11111 otp 1111111 xalgax2 JO 01 111111)0 si amen ui ssol JO `uopon.usap 'mind ow axo ;aq Aplgipawwi Aliodozd 0111 3o amen 10xxgw zre3 0111 gOigM ut 6lxadozd 011130 awn ur ssol JO 'uoilotulsop `put 'Rived a jo Juana ow 111 •zaMouog o1 pred `Aug JI `ssooxa otp g1!M 'onp u0g1 1011 JO x011iagM lu0wnxlsuj Aiixn0as sup iiq pamoas suns otp 01 paildde oq hugs sp0000xd snoatrellaosm ail ail 3o amen ut SSOJ JO `uoiiOnxisap `puixgi 111101 a 30 Juana otp tit °Z uopoas ui x03 paptnozd xapxo 0111 ui potlddg aq pegs spaa°ozd snoauell00S1JA Lions *IOmouog o1 pied `Aug It `5500x0 0111 g1TM 'onp now iou z0 zatlagM oSb 39•1 Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable MFWY7770 (04/00) 041 207906 -3 6AIWY) (9905) Page 10 of 15 Initla Form 3051 3/99 66/£ 650E waoA 5t !o t t 96ed Cittr isoesl (XMIt19 (00/170) OLLLAM3NI ddSdJ uopuuaoJUT 1a ,iue pug apuw aq pings sluawAud gaigM o1 ssaippn am 'mamas ui o' Mau oqi jo ssazppu pun aging QUI alnps IITM !palm a2ungp alp jo aonou uauuM uanTB aq IItM JOMOZtog `1a3Tn10S UEO' OM JO a.uega g Si only ;i 'aloN ag1jo gigs u o1 palnialun mamas U10 aql ;o sa2uu4O 010W JO QUO aq 14$Tw osiu azagi w' aigeoiiddy pug `luownusui *moos stye `glom am zapun suopu2ggo 5ut3Intas unoi a2u2l.iow Ja410 swio;zad pug luaumnSUi AlunoaS sup pug a1oN ail aapun anp sluau OTpouad smajo, i tp zaornlas uno' gyp su umou)i) Alnua alp uT a2ungo g ui linsaz 1g2iw gigs y •.raMO.uog of aopou zoud motwM sawn a1ow JO QUO pios aq ugo (luawnzlsuj Alunoas sup pm 1agpa2o0 glom alp ui Isamu!! iunmd u 10 aloN aqi •03Ugn911a9 Jo oopoN :aaaiaras uuol Jo aguugj :a ;oN jo gigs 'OZ *8! uonoas zapun uonuaiaoog jo asuo agl uT kiddy mu Hugs aleisura1 01 1g21.1 sup `zanamoH •paunOOO pgq uopg1aiaoou ou Jr sn anpOa; ;a iiin3 Tema! Timis Ag0.10q pamoas suopu2Hgo pug luawnrisui Alunoas sup 'JaMOZaog £q luawalglswal uodn •zoJsuu1i spun Ouuolloaig (p) 10 (pnua 10 Auiuluaunalsu1 `AOUa& ivapaj u ,(q painsur aze susodap asogM uopnlpsu[ ue uodn uMg1p sT loago lions ,(um papinozd Vago maigsuo JO 3ioago s,zamsnaq `31oago Auuq '31oago poi ium (o) 'zaplo ,Cauow (q) `gsuo (u) :1apua-I Aq palaai °s s1 `suuo3 2uTM011o3 aq1 Jo azow JO auo ui sasuadxa pug suns IUaualglswaz lions Aud 1OMOZ.1og lUtp aJTnbaz Arai zapua- •pa2uggoun anufuoo iiggs 'lua nnzlsui Alunoas sup iq pampas suns a41 /cud o1 uopu5ligo s,laMo1Jog pug luaunalsui Xlunoas slip lapun slqpu pug Auadold alp ui Isazalu! s,zapua7 lute alnssu 01 annbaz Aignuosnaz zapuai su uopou lions saqui (p) pug `luawnnsul iC1unaas sags lapun sy1SIJ pun Auadold 0q1 UT Ismail! s,zapua-i 2upoaiold jo asodmd aq1 1o; pallnour saa3 za pug `saaj uopunien pug uorloadsut ,(lzadozd °saa3 ,sAaulolpn aiquuosuaz `01 pa1TUH 1011 1nq Tutpniaw luawnzlsul I(lunaas sup BUIOmJua UT patina!! sasuadxa Tali sA d (o) :sluaw0012u JO S1uuuanoO zallo .(uu jo linuap Aun samo (q) :paun000 pug uopuaiaom ou 3t su aloN am pug ivaunlisui '(lungs sup lapun anp aq mom uagp gatgM SLURS IIg lapuai &iud (u) :zaMOZZOg 1gg1 a1g suorlipuoo asogy •luawnzlsul Agmoas s141 2UT0103119 1uaw5Ppn f u 30 £IIUO (itt) z0 `01U1SUlaa o1 11151a s,1amouog jo uopgutuzal ag1 aoj /(pods 142uu tar aiggoiiddy su pouad lagw qons (p) :1Uawnalsui Al!moas sup ut paun goo gigs jo zaMod Aug o1 lunnsand Auadold alp jo gins azo;aq sAgp anr3 (t) :3o lsaiizna ail 01 loud awp Aun 1g panunuoOSUp IUawnpsul Alunoas sup 3o IUawaOIO;Ua anug of 14811 aq1 anuq iiggs JOMOZiog `suopipuoo uTUl1aa maw 1aMO11Og 31 •uonuaapaO\ as ;3w a ;U;sumi o; ;ggig s,aaMOaaog •61 •a0M0u0g uo puuwap 10 aapun 1aglln; lnogliM 1uaum.psUi Agina0s sup Aq pouiuuad satpawar Aug arm!! Amu zapua1 `pouad sup 3o uonnndxa 041 01 1ou1d sums asap ,(u o1 S TUJ 10MOZ10g 31 •luawnllsul A1unOas spy (q pa1fOas suns Hg Ard 1snw zaMO.uog 4OTgM uig1TM SI gongs g1TM aounpz000n ut 1104 ST 00p0U am amp am woz3 situp p£ uugp ssai 1ou jo pouad g apunold Ilggs aa1OU ay •uonglaiaaan 3o a310U IOMOZZOg 0A18 sings 1apuari uondo sup saSrazaxa aapua-I 3I •AA% iulapaj Aq paltgigozd sT asiO1axa gons 311apua-i Aq pasiozaxa aq IOU Hugs uondo sup `JOAOMOg •luawnIIsui iClunOas spy iq pamOas scans IIg 3O IIn3 uT 1uawAgd 0lgtpawa! annbaz Amu zapuari luasuoO uauuA mud s,zapuari lnoglIM (pauojsuul JO pios sT 10MO1a011 uT !sawalut P !Jauaq u pug uoslad iumlgu u lou sT zaMOZlog 3i 1o) pa110Jsun1 JO pips su Auadold all uT 150101ui Ann JO Alladold 041 JO 1md Aug 1O IIg 3I •1asng0and u 01 amp amin3 g 11110M011og Aq app 3o ia;sug]1 ail sT 4OT4M JO IUO1w a41 `1uauaa12u M01050 JO 1Ogz1u00 saps 1UawypisuT `poop zo3 1au11UOO `poop 103 puoq g 111 pa1raJsuu1 slsazaIU1 I1TOTJauaq asol1 `01 pa2Tw!i mu inq Turanian `Auadoad am uT 180101u! iuiO �3auaq JO le2a1 fug sugaw ,,,ivado1d alp uT isaiaiui„ '81 UOpaas sup ut pasn sv •J0MOaa0g ui ;saga ;ul iniapauag g JO i(;aadoad aq; 3o .iajsunaj, •gj •luawnzisui Alimoas sun jo pun oloN ag13o Moo auo uoiu8 oq Tangs 10MOUOg 'Mop s •LI •1101013 Aug mill 01 uopeOggo Auu 1nogliM uopalOSup gips sang Auw„ p10M alp pug `g510A aotn pug Tumid am apniaui pug ugaw Hugs 1uin2uts 041 nT spzoM (z) `zapua2 OUtuTwa3 aql ;o swum 10 sp10M Jalnau 8utpuodsalzo) apniout pug UMW Buys 1apu32 0UTinasgw aq1 3o Sp1oM (T) :luawtulsui *moos sun uT posn sy •uorsInold Supoijjuoo aql lnogl!M 1Oa33a uani2 oq ugo (Ought a1ON 041 JO lUauinz1SUJ A1ufOas sure 3o suorsrnozd 10410 laajje Ion Qg4s 1ar13UOO gons 'Awl 0807: 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. MFWY7770 (04/00) 041- 207906 -3 6A(WY) (gao5) Page 12 of 15 Initia Form 3051 3/99 66 190E Woad iuguodM 3o stmt uopdwaxa pealsawog agl jo °note dq pun iopun si1211 He saeiem pun sasnajai ramouog •saaeleAti •bZ t ojgnogddy iapun pauiwiad st aaj ag13o gutgiega zip pun poiopuai saoielas zo3 /Cued pr up g o1 pied si aa3 agl 3i djuo lug ivawnaisui dlunooS sup guiseajai io3 aoj a iamouog a2mgo Amu .iapuo i •slsoo uounpionei Aug ded Hugs iamouog ivawnnsui dlimoaS sup °seajai iiegs iapuo' luawn.psui dltmnas sup ,iq painnas suns jjn jo luawded uodfi aseala2I £Z ;l o; pal ;l ;ua SHuRaj suosaad Jo uosaad ay; o; ssa0xa due (0) pue :;uawna;sul d ;lamas sly; dq pampas stuns He 0; (q) fsaa3 ,sdauao ;e ajgeuostaa '0; pa ;null 30u ;nq 'Sulpnpul 'ales ay; jo sasuadxa Hu o; (e) :aapao ;luletollo3 ay; ul paljddu aq Heys ajes ay; jo spaa3oad ay' •ales due ;e djaadoad ay; asutpand dew aaualsap s ;l J0 aapuarl •Me'I me ,fq pagInsaad Jauuew ay; ul pjos aq Heys d;aadoad ay; pug 'ales jo amp', ay; ysljgnd Heys aapuaq •SJ uolpas ut papleoad aauuew ay; ul Jams:wog o; ales ay; 3o a3nou am; Heys Japua-I .Memel ajg110ljddy plat aauepaoaae ul ';uaaa331P 31 qjaadoid ay; jo uolssassod ul uosaad ay; o; pug JaMOJJOg o; asopaao3 0; wavy 3o a3nou aA! a Heys aapua' 'ales jo JaMod ay; smelt! aapuarl 3I •a0uapiea am; 3o s;so0 pue saa3 ,sdauao; ;e ajgeuosuaa 'o; pa ;lull ;ou ;nq 'Bulpnpul 'ZZ uolpas sly; al papleoad salpawaa ay; Sulnsand ul paaan0ul sasuadxa IRE ;0311o0 0; pal ;l ;ua aq Heys Japuarl •MW-I algealjddy fq pa;;lwaad salpawaa say ;o due pue ajes jo Jatod ay; aloeul dew pug pugwap aay3Jn3 ;noy;lM ;uawna;sul d matins sly; dq pains scans Ile jo Hu.; ul ;uawded a;elpawwl aalnbaa dew uol ;do s ;l ;e aapuarl 'a0l;ou ay; ul pagpads any ay; aao3aq Jo uo plan° ;ou Si ;In113ap aq; 3l •ajes pin uol;11aaja0011 0; JaMOJJOg 3o asuapap aay ;o due Jo ;Ine3ap e jo aaua;slxa -uou ay; ;Jassy 0; uol ;0e jno0 a Sulaq o; ;Op ay; pug uol;eaajaane as ;3e a;e;sulaJ o; map ay; 3o JaMOaaog uu03ul Japan.; Heys a)l;ou °1414 •d;aadoJd ay; 3o ales pug ;uawna;sul ,f mamas sly; dq patinas stuns ay; jo uol;8Jaja00e ul ;Insaa dew a0l;ou ay; ul panpads app ay; aao3aq .10 uo ;jn13ap ay; alto o; aanll113 ;1114; (p) pue :plan aq ;snw ;Ine3ap ay; yalgA dq 'laMOJJOg o; uaAIS sl aal;ou ay; a ;ep ay; woa3 sdup OE u11g; ssal ;0u 'a;ep 11 (0) ;Ine3ap ay; in 0; pa gnbaa uolp11 ay; (q) `;Ine3ap ay; (e) :d3Pads Heys all ;ou ayl, •(aslMaay ;o sapleoad Merl ajg110gddy ssajun gl uol ;Jas Japan uol;11Jaja0011 0; aolad ;0u ;nq) ;uawna;sul d;lm0as sly; ul ;uawaaJa11 ao ;u11uaeo0 due 3o tpuaaq maiming 2 u1M 0 11 0 3 uol;eaaja00e o; aolad aaMOaJOg 0; a3nou ael$ Hulls Japuarl •salpatuag :uol;11Jaja00V •ZZ :smojjo3 se 33.12e pun lueuaeon 'NNW iapua-j pun iamouog 'SIMVNHAOO YAtUOdiNn )01/ t la E L °Bed (9066) (AMIV9 E T170 (00 /170) OLLLA/ MN 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: MFWY7770 (04/00) 041 207906 -3 6A(WY) (9905) 0 (1 401 Page 14 of 15 DANIEL K DO(KSTADER Borrower KIMBERLY W1'CKSTADER eal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 3/99 66/£ L90£ twod :ss ,f;unop 70P •sle WI 9nd Li ioN 9l 10 9 oBed ujoouTB (9066) (AMIV9 E (00/b0) OLLLAMI Wi rS �r`$ sandx3 UO!SSIWW00 AN "iC, uiwoAM u100ui1 (o awls 0 AlunoO oggnd itiewN q�i��iW .1.19N Soot 1 v :soudxg uoIsstuiwop i(j S,3IM aNY UNVESnx 'uaaV,LSxooa V J hTHNIN GN'i EHGVLSxooa x 'IaINVG r Aq 000 Z .}o N'br rspci siga ow aiopaq papainnouxau svm luaLunfsui 2up.Sa ro3 ata `DNIINIOAM 30 3.LV.LS 086'7;385 That part of the NEVI of Section 32, T33N R118W of the 6th P.M., Lincoln County, Wyoming, being part of that tract of record in the Office of the Clerk of Lincoln County in Book 138PR on page 541, described as follows: COMMENCING at the southeast corner of the NE' NE'% of said Section 32, found as described in the Certified Land Corner Recordation Certificate in said Office; thence N 89 °52.3' W, 1320.00 feet along the north line of a driveway of record in the Office of the Clerk of Lincoln County in Book 122PR on page 392 to a point; thence N 00 °44.6' W, 127.08 feet along the east line of that tract of record in said Office in Book 76PR on page 239 to a point; thence N 85°02.2' E, 1098.28 feet to a point on the southwest line of that tract of record in the said Office in Book 106PR on page 482; thence S 45°18.5' E, 320.00 feet along said southwest line to the CORNER OF BEGINNING. EXHIBIT A Legal Description for Daniel K. Dockstader and Kimberly A. Dockstader 4