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HomeMy WebLinkAbout86602611 1 66/£ l50£ WJod JNW Jc ,&M "u "]j3''+h" (J3ALLJ3J 1 III 11 000Z 'T AMbLO'I lueumooa .q.zedo1d Altununuoo sle IDVDI Qo1A1 [elB] &uipioaall 1o aurl sfg1, anogy aaedS] 3Ddd &i )IOOa EDT 9H990 S331/3111014 .'-C.1101111 3+3S ads eV pow 9114, /.,r 0 3813,3$ 16Z SWdOd 39V91HOW d NA 511 8511 (17066) (AM)9 'ste(L)u) yJ.. 1N3Wf1HISNI WHO JINfI OWIHANIAINA eI6u!S-9NIWOAM eaeMatea 3o sMei am Japan 8uilstxa pue paztuEBJo uoTgvaodsoD E s! Japuag NOI LYUi0a2I00 'IYI01`IKDIId NI'I?I13K2M .LS2!I3 s? „Japua1„ (D) •luaumJlsui iiliJnoaS sup Japan 1o$6Tlroul am Si JamoJJOg a3TM pug pulegsnq 'a vd Hs •H vacuum pule auvamiS ''I Ares sr aIM0raog„ (g) •luauznoop stti101 srapig U glim raupa8ol .aw pa16p s! !4 M `luauznaop sigl sue= IuaumalsuI Altanaag„ (d) •9i uotloaS u! papinord osie ale luaumoop sail u! pasn spJOM Jo sn saint uielJaJ iZ PUR OZ `8I 'Et II suotloaS ut paupap are spiom Jat;10 pue mom paupap are luaumoop sail 3o suoiloas aidtlinuz ut pasn spJO SNOLLINI331 X71HOI'I00 =war :,ig pamdard LTS'S /99LLL6£000 :aequuu ueo' IETS6 VD '800f ales 4e811S gsaTJ 114-10N ZON OSTZ uOTlle.zod1O3 TaTouvuTal uTP(ua.z,? !S.XT o u1nlag 3JMd S330111011 ie" -7 SOU 33S athIV P° W sig1, SENT BY: FFFC; 503 2 65 5403; Lender's address is 2150 North Piret St., San Jose, ca 93131 Lender is the mongagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated stay 1, 2000 The Note states that Borrower owes Lender 7ORTY TWO TROUSA1 D YOUR IUNDUD 00/100 Dollars (U.S. 4 2, 400.00 plus interest. Borrower has promised to pay this debt its regular Periodic Payments and to pay the debt in tall not later than Jana First, 2 03 0 (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 thia Security instrument that ate executed by Borrower. The following riders are to be executed by Borrower [check box as applicable): Adjustable Rate Rider fl Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider 1-4 Family Rider VA Rider Biweekly Payment Rider Other(s) [specify] Prepayment Rider (13) "Applicable Lew" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) u well as all applicable final, non-appealable judicial opinions. (I) "Community Association Dual, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominitun association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of fonds, 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, polnt -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" mean those item that are described in Section 3. (L) "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 ere to, the value and /or condition of the Property. (M) "Mortgage insurance" means insurance protecting Lender against the nonpayment of, or default on, the (N) "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. (0) RESPA" means the Real Estate Settlement Procedures Mt (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 front 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 doe not qualify as a "federally related mortgage loan" under RESPA. e -d tY) Iaa0 PWY P O( fa Document Ik L075W5 MAY -3 -00 8:07AM; PAGE 3/8 104 Perm 3051 3 /90 661£ 690E W10J s�eiuul Mil JO MMON all iopun luotuAvd se zapuo' ,iq paniaoaz luaumpsui 10110 JO ratio 1Cue JI `JOAOMOH •Souauno S n uj apntu oq ljgls luaumzlsuj Alunoos sup pus aloN all iopun onp sluamiiud uoilooS o1 luensind small Mozosg .zoj spunk Ard osju jjgls zamozzog °aIO all iopun onp soSi tjo alg1 pus s0 1E1 o luautadazd fug pus aloM all paou0ptna lgop oll `uo isazaluc pus `3o judtouud alp anp ua1M Sad pals zamozzog •saflael0 owl pup 'saRael0 luaugedaaa 'swan Moaosg 'lsaaaauI 'Iedpuud Jo 1uauLfed •1[ :smoljoj su ooiRe pus Iuuuanoa zapua-I pus zamo°uog •S.LAIVAIRAOO Y�I2IOdIAIn Apadozd poi 1.11.10AO3 luamnzlsuj ilunoas mzoJtun g alnitpSUO0 01 uojlotpsunf Aq suojputJEn paljtujl II1M sIuuuanoo mzoJjun -uou puu osn Iuuojluu ioj spuuuanoo uuoJjun soujgmoo SIH.L •pzooaz jo saounqumoua Sue o11o0[gns `spuemop puu smjulo Ile lsuiy2u ,ivadozd all 01 01111 all AIlezaua5 pua ;ap Iljm pus sluezzum zamozzog piooaz Jo saouEigmnoua 103 1dooxa `pazaqumouaun st Suadozd all 1gtI1 pus Spadozd alp efanuoo pus u .12 `o2epom 01 100 all suit pus poSonuoo Jigoioq alma 01130 pastas ifljn3M5j sj .10M01108 1 u1 1 SINVAI3AOD 2IgMO2I?IOg Slzadozd„ alp s5 maiming Aluno0S sup Tit 01 paJJPJaz st 211l02azo3 all 3O jj`v' •luamntlsul AlunoaS sill Aq pazanoo aq osju huts suotpipp5 pug s1uamoouldaz IIy •Suodozd alp 3o Ind u zalluazal JO MOU sazUIxg pug `saoueuaundde `sluamasua TIT pug `,ipadozd 0111 uo paloaza za1Jgazal zo MOU spuamanozdmj [apo3 d!Z] Z T 8 [laauS1 3o ssazppg all set Apuazzno lojgM AM9L0'I gueumooa 5utmoAm ['cuo] 9 L to sped (t066) (AM)9 0 141 IF HZIM URHJ2DO! „ssazppy Suadozd SJIMI Y'I Z8�j Ia1s HS.3Id ISM LZi' 00 ZLT- SE- t-90-ZT9Z -ZT •zaqutnAl uI taord ,30811sHs S�'Id 'IYIDIaao sHL 130 a88I2t0saa SY DNINOAM 'AJN11o0 NIOOAiI'I 'YS'ILls A'I2I W2!O,3 'EDUYSV'I 3O NMOS SHa oS xoijiaav SSEI3 sHS .3O 9Z x00 CIO 8t aNIK Lt S1O'I ;oexstt laud a epgut pug ogexeit peitogqug .aepTi quemAydexa [uouocpsunr Sutpi000u Jo a N1 [uo)lotpsunj Eutpiooaj jo adSjj uToouTl JO dqunoo all uj poluooi Auadozd paglzosap &u!M01103 011 `alas jo zamod 11jm `su2tssu pug szossaoons s,zapuarl pua zapu0Z 01 So/woo pus Iuuz$ `0 pool Agoiat saop IOMOIIog `asodznd sill Iod •010N 0111 pug luamnzlsul AlunoaS sup zapun sivatuoo.au pug sluguanoo s,zaMOZZOg 3o aouuuuo3.zad alp (q) pus :aloN 014130 suotluogtpom puu suotsualxa `slgmauaz Ije pua `ugo -I alp 30 luauavdaz 0141 (e) :zapuarl 01 saznoas luamnzlsul SllznoaS s!14L S •luamculsul Allzno0S sup zo/pu5 OToM 0141 zapun suot1S5jlgo s,z0M011og pamnssg su14 Aped lull lou zo zalla14M quadozd alp 01 01111 ua)j51 su14 1511 Spud Auu sue= „JaMO.Ltog jo lsaaalul u1 aossaaons„ (d) AilIgdOad MIL All S.LHJRI d0 2IgdSAIV1.L c. tOSO OtSbU.,014k, 10 6 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 CI) 6(WY) (9904) Initials;,t;,>V' i '.T Page 4 of 15 Form 3051 3/99 Document L077WY AM8LO'I lueumooa 661£ L50£ wood 5l to g e8ed s�enlu� (.17066) 04,109 CO all SutA3Tuapi anilou E zamo.uog ant2 Ant' zapua-1 `luatutumul AluttnaS sup Jan) Aluoud ure11u treo InigM uatl E o1 loafgns st Apadoad atp jo Ind Aue rip sauptualap iapua-1 11 •1uatunllsul Alunoas site of uail ail gui1Euip1ogns .tapua-I o1 AcoloEjspus luatuaaJgg uE tail aqi jo .zaploq alp wag saznoas (o) 10 :papnpuon are sguipaanozd ions !pun Aluo lnq `Suipuad are s &utpaaoo1d asogl apgm uail ail jo luauzaomjua ail luana.zd 01 aluiado uoiutdo s,i pual ui gotgm sguipaano1d Ig8al `ui uatl ail jo luauzaomjua lsutege spuajap 10 `Ali t nj poog ui uail ail slsaluoo (q) :luatuaaige ions SuiuuoJ1ad st aamot. og su guol os /quo 1nq `Japuarl of apjuldaom dauuEm E ui tail ail Aq pains uo11Egijgo ail jo 1uaU'AEd ail 01 $utlum um saadE (E) :zamouog ssapn luatun.usul Alunnas sill zano Aluoud sEI gotgm uaq Ave a2iegnsip Apdmoid Mugs Jamoaaog uopnas ui paptnoJd i uuEm 01.11 ui mail AEd IIEIs Jamo.uog `small mozosg are smali asagl imp wawa alp of *Aug JI `sluauzssassd puE `sand `sang uopgtnossy A11unuzmo3 puE `due 3i `ASadozd atp uo sluai punoig so sfuauz/iud plogaseal `1uatutulsul Al sill Jam A1uoud utt:ffe ueo goigm Auadoad atp of algEingpuE suotllsodup pug `snug 'sai1Etp `sltamssassg `saxB2 g Ard Begs aamo.uog °sum :saginga °b •zapua7 Aq ping spund AuE .1amoutog o1 pun;a' Alldmo1d Ilegs aapuarl `luamn.ulsul Alunoas sup Aq pains stuns IF jo IIn3 ui luaU'AEd uodn •sluatuhd Algluotu anlaml uetp aaom 011 ti 1nq ddSgg I1im aouzpx000e ui AouatniJap ail dn a31gW o1 A(ESSanau lunouru alp zapuaJ o1 Aud hags aamo.uog pue 'vdSa I Aq pannbaz sE 1amo.uog AJpou IlE Iapua'l `ddSgg 1apun pautjap se 'mama ui plaq spund 3o AouaintUap E sI azatp 3I •sluautAEd Appuom anlaml uugl atom ou ui log `ddSg'l gltm 03uep1o3ne ui agelaogs am dn a)IsU' o1 Anssaoau lunotuE ail aapua' of Aed Reis .zamozuog pug `vdsag Aq pazmbai sE 13m0.110g A311ou Reis aapuaq `ydsa i .tapun paugap sg `MOJOSa uI Nag spund Jo agEsogs E Si alagl 3I 'ddSH2I dim antrep.zonmE ui spun; ssaoxa all 10J 1am011011 of lunoa3E IIEgs Iapua'I 'VdSHII 1apun pauijap SE `molnsa ut pjaq spund Jo snldhns E st azagl 3I VdSg1i Aq pa nnbat sE spund ail Jo guilunoon Ienuuu uu `agmtp lnoglim `Jamonog 01 and Hap zapua1 spund am uo pied aq IIEgs maim! imp 'Jana/mil '2uifum ui aade ueo Iaptaq pug aamouog 'spung am uo s &uttuga .Jo 1s0.10111t AuE 1am01.10g AEd 01 pannbat aq lot hugs iapual `spund ail to pied aq o1 1sataful sannbai /Awl algEntlddd .Jo 2UIIUm ut apuuz st luatuaadu ue ssalun •aS1Egn E Inns a)Iem of 1apua-1 slttuad mE'T algEallddd pug spund aI1 uo Isazalu! zamozzog sAed aapua-1 ssalun `small moznsg am 2uiA3uan 10 lunonnu m013s0 ail SupAlEUE AuenuuE spund ail &uiAlddE pue 2U1p10q ao3 Iamosog agregn 1011 IIEgs zapua-1 •ddSHg lapun pat3Tads amp aq1 tell Jalul ou small molnsg alp AEd of spund ail Aiddu Reis iapua'l •alueg uso•1 auz°H JElapad Aue ui Jo (paznsui os 01E slisodap asogm uopnljsui Ue si 1apua-I3i `zapua7 Stipnpui) A111ua Jo `A1IIgluawntlsui `Anuage jeJapaj E Aq paansui are sltsodap asogm uopnlilsui ue ui plaq ag hugs spung auj algEOilddy qum antrepioong ui asimu31110 .Jo small mama aznlnj jo satnfipuadxa jo sa1EUZilsa algguoseai puE EIEp lua.unn jo smug, ail uo anp spund jo lunoure alp awmilsa Reis zapua •ddsgg 1apun annbaa uEo Japual E mourn mnm!XEm ag1 paaoxa o1 mu (Z) Pu VdSHU aapun pa1JInads amp atp 1g spund alp AIME of aapuaq fiuuad o1 1uapt ns (I) lunotue ue uI spung plug pug fnallon 'amp AuE fE 'Amu zapuarl uoiloas sup Japun paainbat tall aze 1Etp 'munaum inns ui put `spund IJE JapuaZ o1 Aud pugs 1amo.uog `U0fE30n01 lions uodn `puE SI uopnas Iltm aottepzooae ui uand aopou E Aq amp Aue 1E small moinsg IIE 10 Atm o1 SE JOAIEM 3I1 0310Aa.0 AEU' 3apua-1 •lunotue Inns Aue Japua o1 Audaa 01 6 uoiloas zapun palEgilgo aq tall limp .t3m0110H pue lunoU E inns AEd puE 6 uoiloas iapun s1q p SIt astndaxa AEU' Japua-1 `mall mama uE .zo3 anp lunoum am Aud 01 sum zamortog puE `.1antEm E o1 lugnsand `Allnaaip small mama Agd o1 pa1Egilgo si 1amozaog 3I '6 uoiloas uI pasn si „luamaaigE puE 111E113n03„ aS Nd MD sE `luamtulsul A1i.mnas sill ui pau1Eluon luamaa gE puE IUEU0A0 E aq 01 pamaap aq sasodind 1Iu 10J Mess sldiana.0 apino.1d 01 puE sluatuAEd Inns avm 01 uopEgggo S,1amoz.1og •apnbal Aura zapuai sE pound amp Inns uiglim 1uatuAgd Inns gupuapina sldiaoat 1apua-j o1 Isitutg Reis `satmbat aapual 3i `pug Japua-I Aq paniem uaaq SEI spung jo luatuAEd Inigm 10J small mama Ate 10J anp lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone determination, certification and tracking services or (2) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security' is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with -6(WY) (9904) tit 1 Initialr... Page 6 of 15 Form 3051 3/99 Document LO79WY 108 66/£ L 90E 'mod AM 1u 601 g t L e6ed (vow (AM)9 �CY s�eisiu� ajquuoseaz &upitd pue `lino ur 2uuradde (Z) `luaurtuisul AlunOas sup zano Aluoud sou lotum uart 5 ,Cq paznoas sums Cu r gut,Ced (j) 'o1 palrtutj lou 015 lnq `apnlouj ueo suoior s,zapual •,cuadozd atjl Wuutedaz zo /pus 2uunoas pus 'filmdom a111 jo anjtn am 2urssasss zo /puo 2uiloalozd 2ujpnjout `luautnzlsul ,ilunoaS sup zapun s111$p pug ,ivadozd al3 ur lsazalur s,zapua-1 loalozd 01 a3eudozddu JO ajgouosEaz st zana1e11M ioj gird put op Attu zapua-j ua111 `Auadozd a111 pauopurge so11 zaM0110g JO `(suou5jn20z 10 smut aozojua 01 JO luaumzlsuj AnznoaS stul JOAO ,Cluoud Weir few 11plm uarj E jo TUatuaozojua zoj `aznitajzoj JO u0tlsuutapu03 zoj `alegozd `Aoldnniuug ur Surpaaoozd s sr ions) luatunz1sul AltznoaS sup zapun zo /puu Alzadozd 0111 ut lsaza311t s,zapuaq 1oajje ,ijlutoUtu2!s 1tj2juz Teal 211rpaa3ozd js2aj s sr azatp (z) `Tuatutu1sui iC3un0aS stul 111 paureluoo sluatuaaae pue slu1uanoo am tuzo;zad o1 sjrsj zamouog (j) 3j •luatuna;suj i. nags sjtjl zapufj sItgal pug ,flaadoad au; trt paaaluj s,lapuarj ;o uorlaal°rd •6 •aouaprsaz jedrouud s,zaMouog SE ,ilzadozd 0w jo ,Courdn000 s,zamozzog 2utuzaouoo suopeluasazdaz `o1 paltutij lou aze lnq `apnjouj suot3eluasazdaz jeualej,s •ueorj a111 gum uoiloauuoo it! (uopguuojuj jeuaietu gum zapuaq apptozd o1 palm zo) zapua'1 01 s111atuaTg1s 10 uojleuuojuj a3ezn000ur z0 `Surpgajsrtu `asjEj Ailrtzalrtu anrg luasuoo 10 02pajMom1 s,zamozzog tjl!M JO JOMozz0g Jo uouoazrp 0111 15 2ujlou sarlrlua 10 suoszad Jiue JO zaMozzog `ssa00ld uotl5orjddd ueo7 0111 &11unp `3r 1jnepap ut aq pegs zamouog •uouttatjddy ugorj s •g •asnno ajgouosuaz eons 2utetJpads uonaadsur zotzalur ue Tons o1 zoud JO JO aunt alp IE aopou zam0110g ant2 jlels zapuarj •Auadozd 0113 11O sluatuanozdun a14 3o 10rza1ur 0111 3oadsur Astu zapual `asnea ajq uosuaz suu 1t 31 •i(1.tadozd am jo suotloadsur puu uodn sau2Ua ajquuossaz awn Arm iva55 sat zo zapua'l •110tlu101s01 10 itydaz guns jo uopajdutoo 0112 zoj uoileSugo s,zamouog 310 panagaz lou st zamozzog `,ivadozd 0112 azolsaz JO ztedaz 01 luapgjns lou aze spaaoozd uoprutuapuoo JO aoueznsuj am 31 •palajdm0o st vjzoM am se swam/cud ssaaozd to sauas a ur 10111aluAed aPuts a ur uorlezoisaz pug szredaz am zoj spaaoozd aszngsrp Arm zapua-I •sasodznd gong 10J spaaoozd pasuajaz sgu zapua-j 3r Ajuo Auadozd 0111 2uuolsaz JO $utztudaz z03 ajgtsuodsaz aq Hugs zaMOUOg `Auadozd 0111 `3o 2uraj5l am 10 `03 a2rutup 111tH uopoauuoo ur prod aze spaaoozd uojletnuapuoo 10 ao11tznsur 3j •a5'sut5p 10 uot1Ezoualap zaminj ptonE 01 pa2511np 31t ,ivadozd all .nudaz 1ijldutozd !Imp zamouog `ajgrseaj iijt5oruzouo0a lou s1 u013510lsaz JO zrudaz 15111 S uor30aS 01 3uensznd pauruua3ap sr 1! ssatufl •uotupuo0 s1t o1 anp amen ur 2tusoazoap z0 2urlgzoualap wag iCuadozd 0111 luanazd o1 zapzo 111 ,ivadozd am utglujutu !pus zaMOUOg `iilzadOZa 0111 ui Surprsaz sr 10M011og 1ou 10 laulaum •Suadozd 0111 uo 01s5M nutuzoo JO 01e1011010p 01 Suadozd a111 motto `iClzadozd 0111 ztedun JO a25U15p `A011S0p 1011 11545 IOMOZZOH •suojlaadsuj `.,flaadoad all Jo uomalo.td pug a0uuualurejx `uopunaasaad •L °jozlmoo s,zamozzog puoSaq azu 11ot11M wpm saouSTStunozp 2u115nua1xa ssajun JO 'pjau11um ,itquuoseazun aq 1ou !imp 3uasuoo tlonTM 'u!111M uj saa125 as!MZaulo zapua-I ssatun `Aousdn000 Jo aIgp 011110135 waif auo twat 15 zoj aouaPlsaz ledrouud s,zamozzog ss filmdom 0113 ,idn000 01 anut1u00 pugs pue 311autnzlsuj Siltznoas sup Jo 11041100x0 0143 z01j5 sAep A1xrs 111111tH a0110prsal 15drouud s,zaMOZZOg se ivadozd atp asn pus `1sljgelsa `Adn000 !legs zaM0110 •Aauednaap •9 •anp tta111 JO za111a11M `luauttulsuj /C1unOaS s1ll _to aloN 0141 zapun pwdun 53unoui5 /Cud 01 JO ,1.10d0zd 0111 0z01.501 10 zt5daz of zaulta spaaoozd aouuznsur au1 asn Aria zapual •Jivadozd a113o 02510A00 am 01 ajgsotldds are s11W1z tjons ss zmmosul `Suadozd am 2upano0 sap11od aouoznsut lie zapun (zannozzog (q prod sumjuzazd pauzsaun jo punjaz Auu 01 1112!1 am u5tt1 10410) 511124 s,z0M0zz0g Jo 10410 Slur (Z) pus luautnzlsul A1tznoaS sup JO aION all zapun predun s3uno1115 0111 paaoxa O1 lou 3unotue ue ut spaaoozd aouoznsur Slur 01 sll2rz s,zamouog (I) zapun' 01 su2rsse Agaza11 zamouog `asrnuallo 10 ZZ u0!IoaS zapun Auadozd aul sazmbos zapuai 3t .10 luana zallta 111 •uanr2 sr aotl0u all 11attM ur2aq !pm popad up-p£ 01 •unep 0111 aj11as pus 0151102au Arm zapua-1 ua111 'unej0 o a4Ias 01 pazajjo ss11 za1zzg0 0011E111SM 0111 15141 zapun' mug 0011011 5 01 shop 0£ urul!M puodsaz lou saop zaMOUOg jj •slal3etu pa1rjaz pus turelo aou5znsur ajgg45n5 Aug ajllas par 0351102au 'am Arm zapun -j `,ivadozd all suopuugr aaMOUOg 31 Z uOtl0aS a1 z0; paptnozd zapzo a111 ur panddr aq 11u1s spaaoozd aou5znsur gong •10MO11Og o1 prgd `Aus 3t `ssaoxa a111 o }"r) 6 6 o 4 1 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, (a) 6(WY) (9904) Initials:, Page 8 of 15 Form 3051 3/99 Document L081WY 661£ L50E WJou ITT AMZ8O'I 4ueuznooa i s1e! 6 L )O 6 abed (v066) (AM09- CZ sup gu1uSls -oo Si (g) „1augts -oo„ r) aloN 0141 alnoaxa iou saop Ing luaum.zlsul Altanoas sup sugts -oo ogm aaM0110H Auu 'Jana/Am-1 •jrlanas pus ititof aq pugs A1ii1gEu pus suopsgggo s,aamouog 1stj1 saai s pue siusuanoo 1 M011og •puns sugiss' pup saossaaanS :saaugis -op :,f111igsi7 !prams pus lutot '£T •Apatuaa 101tjgeu Sue Jo asimaxa aril apmoald JO JO lanium s aq loti (jstjs `anp uagl lunotur at 1 uutjl ssaj slunotus tit 10 M011og 3o maim' tit S10SS oohs JO satltlua 'suosaad panjl map smatuAgd jo aourldaoos s,lapuo' `uotiuuurtj inotptm lutpmout Apatual JO 11i21a Aue gu1sio1axa ui Iapua-1 Aq aouersagio; Awy •1amo11og 3o maim! 111 slossaoons Aur 101amo11Og isutguo atjl Aq aprm puruuap Aur 3o uosea.i Aq luatutuisuj Aitln °as sail Aq paanoas sums atii ;o uotlt:zpiouis A;tpotu aslmaatjlo 10 luatuked ao; atop puma of asnpai 01 JO aamo.uog ;o isama1u1 u1 aossaoons Aus 1SU1m$r sgutpaaooid aouatuuioo of paatnbal aq iou jjstjs lapua-1 •1aMo11og ;o maim' tit saossaoons Aug 1O 1amo11og ;o ST1ilgsti atp asuatal of ais.zado 1ou mils 1amo11og 3o maim' tit aossaoons Au 10 1amo110g of aapual Aq paiusag ivatunaisUI S1tlnoas snit Sq paanoas stuns alp 3o uollgztuotue Jo 11o1153iE1)0111 10 luauiArd 103 aW11 aril 3o uotsu0lxg •aan!rm s 1oN .zapua- Ag aausapagao3 :paspajag 10N aaMOaaog `ZT °Z uojloas 111 paptnoad Japao alp u1 paljddu aq (jrtls A11ado1d aril jo atrdal so uoprlolsaa o1 patidds 1ou are 181(1 spaa)old SnoaUri(OSlbAI (TV •1apual 01 mud aq i(sgs pue palm Agaaatj a1u Alladold atji tit lsaialut s,lapuaZ ;o luauuiudtut am 01 ajgginqpiig am Imp sageurep 103 tutgjo a0 plum Atm 3o spaaooad aL(Z •luaum11su1 Alunoas sup lapun s1tpt1 so A1.10d0ld agi 11t Isamu!! s,iapuaj ;o luauutsdtut (staaluul latjio 10 Auadoad am 3o a1n11a31o3 sapnioaid `luaui2pnf s tit `1st(1 Sugtu u tiitm passnustp aq 01 2utpaaooad s0 uotlou 0141 S11isnso Aq `61 uopoas 111 paptnoad su aluisutat `paaan000 seq uopriajaoor jt `pug 11ng;ap r bons 01110 tiro 1amo.uog •ivatun11su1 Altlnoas sup 1apun sltpi1 10 Au0d01d atjl tit Isaami!! s,1apua'l 3o luatuatrduu Ft/mu .101410 so Aumdold aril 3o alnita;lo3 tit linsaa moo `ivatugpnf s u1 `lstii ungaq st `(sunutlo 10 unto 1aglauM `gutpaaoold ao uotloe Aur ;t 1jnr5ap tit aq otitis 1amo1a0g 'spaaooad snoauriiaosm 02 plegaa tit uotlos 3o 1i 11 s srq lamonog tuotpM isutsgs Aurd am 10 spaaooad snoatn:jjaos1JA lam0aa0g samo lets Aced panji aril steam „A11sd gulsoddp„ •anp uatjl IOU JO latga1M luauIn11su1 Altlnoas sail Aq paanoas stuns am 01 10 Auadold ag13o nsdat 10 u0115101sa1 01 1aglla spaaooad snoausjj0ostyAi aril Ajdds ptr loaii0o 01 paztlotjlne st 10pua-1 `uantg st a0(ou aril amp aril 10425 sArp p£ 11ttgIM 1apu0.1 01 puodsai 01 situ; aamoaaog `sagu1usp 103 11l15(3 s 0(110S 01 premr ur a)jrtu o1 saajjo (aoualuas lxau 0141 tit paugap sr) Surd 2utsoddp aril 1uti1 10M0110g 01 lapua' Aq 0o11ou 10138 `3t s0 `1amo11og Aq pauopusgs st Auado1d au1 3I •anp uatg an stuns am 1011 10 1011101.1M 1uau11111Sul A111n3as sup Aq paanoas stuns am 01 patidds aq ((gujs spaaoOld snoausjja3S!N am `gut1t1M tit aaas 051M1atjlo lapua' pug 1aMO110g ssaiun `anlgn tit ss01 JO `uotlotulsap &ut)iu1 jelled aril aaojaq Ataluipatuu11 paanoas sums aril ;o lunotur am ustil ssa( Si amen tit ssoi 10 `uotlonllsap 'ut}(51 (Spud aril alojaq A1alrtpatutut Suadold aril 3o mutt la�jartu 1153 0141 1joulm tit A11ado1d aril 3o amen tit ssoi 10 `uoponalsap 1ulusd s 30 loan aril 111 •1aM011011 o1 plod aq Imp aousjgq Aud anion tit ssoi 10 `uoponusap jupasd aril =Jag Ajaigtpatutut A31ado1d am 3o anjrn 103(1st11 ats3 aril (q) Aq paptntp 011(811 tit ssoi 10 'uopon1lsap `2upisl (shard aril alojaq Aj0lgipatutul paanoas stuns aril 3o lunouls (5101 am (s) :uop3s13 gutmojjo3 am Aq paljdpintu spaaooad snoatis(jaosm aril 3o 111notue aril Aq paonpaa aq Timis luatunllsui A1tlnoas snip Aq paanoas sums aril `8ut11M tit aaar as1Maamo lapua-I pus lamoUOg ssaiun `anisn tit ssoi so `uotlolulsap '211T1s1 jstiied aril alopaq AjalsiPauluil luatunusui Saunas sup Aq paanoas sums aril 3o limo= 01jl 118tj1 x015012 10 01 jsnba s1 awn tit ssoi 10 'uop01111sap 15(11rd 0141 =Jag Ajalslpatuun Auadold aril 3o amen laajartu atr; 01(1 tj0tt(M tit A11ado1d aril ;o anisn tit ssoi 10 `uoponllsap `2upjul wpm' r Jo luana am ui •1am011og o1 ptsd 'Atm 3t 'ss00xa aril ti1(M `anp uagl 1011 a0 aaglat(M luaulnalsul Alunoas sup Aq paanoas stuns am 01 patidds aq (jugs spaaooad snoauriiaos(N aril `Suadoid aril ;o amen 11t ssoi 10 'uoponalsap (5101 5 3o loan am 111 z uotioas tit 103 paptnoad aapao aril 111 patidds aq Imps spaaooad snoaurjja3S1J 4 bons •1amo11og 01 pled `Sue 3t `SSO3XO 0141 t(1(M `anp uat11 1011 10 aaglagM ()ley iirTOS 112 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 CC)-6(WY) (9904) Page 10 of 15 Initials:.•".) 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Aiddu 1011 MIS 01u1sul0a oI 11M1 SIM `aanamog •palan000 prq uolllaaiaoou ou 3! su ant1OQJJQ -AMU ulgtua1 hugs Agamq pamoas suoprilgo pug 3uatunulsul ATunoag sup `.I3mo1.1Oa luautalslsu!al uodn •1oJsus1,I, spund otuouloaig (p) so Alllua io Altirmuaultulsut `,(oua2r ivaapaj g ,iq pamsul aug sllsodap asogm uollnlllsui ue uodn umrip s! paw qons nitre papinold 'paw s,iaigsso 10 Sioago s,aa1nsuaal `Sioago 3iugq `Sioago pappuao (o) 'Jap10 Xauoul (q) `gsro (r) :1apual paloaias sr `suuoj 2u!moiio% aql jo afoul ao auo u! sasuadxa pus stuns luammulsula1 lions Ord aamouuog imp aulnbaa Arm uapua-i •paWurgoun anutluoo iirgs 'luaumu1sui filtanoas sup pamoas stuns at3 gird o1 uopapgo s,lamonog pus luatunllsui iilunoas sup lapun s3tT pug filmdom alp u! 1sa1a1ut s,lapuaq $1T1 aansse 01 a.Ilnbal Aigguosral virtu aapuai sr uotlor tons swirl (p) put :luatunalsui Alunoas sup aapun s1tI !1 put (uadold alp u! 1saaalu! s,aapua-i 2upoalo.1d 3o asodand am 10j pa1nou! saa3 1at10 put 'saa3 uollrnign put uolloadsut Xi.iadoid `saaj ,sAatuo3lr aigruossaa `o1 palluuli lou !IN iunpniout `luatunulsui kimoas sup &p mopua uI pauunoui sasuadxa iir sfisd (o) :sluaumaugr ao sluuuanoo 1ag10 Niue Jo 1insjap Sur salvo (q) `paaan000 pug uol3s1aiaoor ou 3l sr atoNi all pus Iuatun13sui Alunoas sup lapun anp aq pinom uatl golgM sums pr lapua'i &fud (r) :1amo11og 1eti1 aus suolltpuoo asou, •luatunalsul 3jnoas sup guloIoJua luatugpnr r Jo Aiwa (II!) JO :32u3sulaI O1 3t 11 s,1amoalog jo uollrultual am aoj Ajioads lgg1ul Mr•i aigroliddy se pouad aaglo lions (n) :luatungsui Alunoas sup u! pauleluoo airs Jo lamod fur o1 3uenslnd A31odoad am Jo airs aaojaq sAup any :Jo 1sapira at! o1 aoud amp d UE 1u panutluooslp 3uatutulsui iilunoas sup JO 1uautaoaojua PAN 01 3011 0143 anrq frgs 1OMOJIOg `suoplpuoo ulelaao MOW 10M0110g 1j •uOileaaiaooy achy a3elsuiag 03 3ta?i MaMOaaOg '61 °1amo11og uo puguuap ao aollou 1ag3111J SnogljM IlaunuIsui i(ljnoas sill Aq pa3lluuad salpatuai Atm awionu! Amu aapua-i `pound sup jo uoprildxa alp o1 loud sums asatl Ard o! sl!u3 aamoaaog JI •luaumulsul ,fllanoas stgl palnoas stuns !!r /cud !snug 1amoIog goitM upp M SI uolloaS g2lm aourpa000r ul 110AI2 s! 03l1011 at! amsp am may sfirp p£ Imp ssai lot JO pouad r apinoad Ilrts aollou atid, •uotlslaiaoor JO aollou uamouuog an!g Ilggs aapuai `uopdo sup sastoaaxa lapua'i 3I 'MET iriapaj paltglgold s! as!olaxa lions 3l 10p1101 Iiq pasioIOXa aq 1ou iirgs uolldo sup `aanamoll •luatunulsui 'lunar snip pa1noas stuns !!r 3 !!n3 ul luatufird alelpauuull a1lnbau virtu aapua'i `3uasuoo uall1M loud s,uapual lnotllIm (panalsuull JO pios sl ammo/Jog u! !salami iutoyauaq u put uosuad iulnlru r 1ou s! aamoaaog JI so) p0110jsur1l JO pios sl filmdold aq1 ul Isaaalui Aug 10 Rlaadoad alp 3o and Niue so its 3i •aasrtomd g of alsp am31g r 1r aamoaaog i(q app Jo 1aJsugal am sl toltM Jo maw! alp 'luatuaaau MOIOSO JO 1og11uoo sails 1uauliislsul 'paap 103 lora3uoo `poop uoj puoq r u! paaaaJsusal ma'am! isloyauaq asogl `o1 pallutl! Iot mg 'Swum! `)ilaadoud ag1 ul 1sa1a3ul irloyauaq JO It:gai Aug suram „filmdoad am Ili 1sa1a3ui„ `gi uolloaS sup ul pasn sy •aamoaaog u! 3sala3ul Ieloyauag a ao X3aad0ad aq3 30 aajsusa,I, •8t •Iuaulnalsul Alunoas Epp JO pus 31ON ag1 ,idoo auo uanl2 aq iirts 10 011og •,ado) mauoaaog •L1 'uopm iiue wig!. 01 uopeSpgo Cur inotpiM uopauostp aios sang „,unit„ mom agI pug `Ewan 03tn pur Fluid ag1 apnioul pug ugauz pugs muftis am u! spaoM (z) `aapua2 autuitua3 am Jo spaoM 10 slum lalnau 2uipuodsanoo apnioul pug maul hugs lapuag aulinosguu alp Jo spaoM (I) :luautnaIsul 'lunoas sup u! pasn sy •uoislnoad gut1oly100 am !no loaJla uanlg aq use tot1M mots' am JO IuatunaIsul J3lmoas sup Jo suotslnoud uatlo page 1ou pugs loliluoo lions `met 9 �4j() ;4 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 m 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 deemed 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. -6(WY) 19904) Initials; a�V C 1 Page 12 of 15 Form 3051 3/99 Document L085WY 661£ L9o£ LIMA SIT XM990'I 4ueumooa •a�eillu� gl, ;O EL 966d (4066) (AM)9 1uiuxoiM 3o silo$! uoudtuaxa pzalsamot! am jo amain siq pue zapun supp !is sanisM pus sassalaz zamozzog •saanluM 'bZ °MS-I algsoilddd zapun pannuzad si aaj ag3 jo 5uiarego agl pus pazapuaz saotnaas zo3 /Wed png3 E of pisd s! aai am 3i /quo lnq `luatutulsui iilianoas sitl3 Su!ssalaa zo3 aai s zamozzog agautp Sex zapuxi s3soa uoi3spzooaz Aus Asd Ilstls zamauog •3uauznx3sul iiwnoas snj assalaa Ilsgs zapuarl luauxnzlsul A3unoas sup siq paanoas stuns lir jo 3uautSd uodn •as8alag '£Z '31 pal;i;ua ,flJBSal suosaad !o uosaad aq; o; ssa3xa fug (3) pug :3uauzna;sul ,f3pn3as siq; ,fq pains sums Hy of (q) :saw ,sSaulo ;8 algBuost i '0; paptull ;ou ;nq Iu!pnpui 'ales aq; 3o sasuadxa H8 0; (8) :aaplo SunMOIIo3 aq; ui pawIddu aq Hugs ales aq; jo spaa3old aq y •alas Sub 18 Spadold aq; asgg3.md feet aauffisap s ;t !o lapua•I •MwI alggallddy fq pag3J3sald laumnu aq; ux plos aq Hugs ,f;.Iadoad aq; pug 'ales jo 3331ou aq; gsl1gnd !pm lapual 'sj uolpas ui papinold lauuntu aq; ui laMO!!og 03 albs aq; jo aai ;ou aA33 Hugs lapua•I •M8 algi n ddv q ;i t aau8pao338 111 '1uaaa331P 3l 'XI-Iadoad aq; jo uoissassod u1 uosaad aq3 0; pug aantoaaog o3 asopalo3 03 maul! 3o 3313ou ante hugs lapuaz 'ales 3o aaMOd aq; sa)Ionui lapuai 3I •a3uapina a13t3 jo s3so3 pug saa3 ,s,fauaol;u ajquuosua! '03 pallmil Sou pig 'guvpnpul 'ZZ uoi33as siqp u! papinold saipautaa aq; Sumsand ui pa!lnau1 sasuadxa Ivu ;3aH03 0; paj313ua aq Hugs lapuarl •Mg-I alg83tlddv £q pa331utaad saipauia! lag3o ,fug pug ales jo lamod aq; !)lone! ,faux pug puntuap aag3an3 3nog31M 3uauma3sUl ,f3ianaas stg3 palmas sums IIg jo IIn3 ui;uauL Id a381Pauuui almba! Sm uoi3do 63! 38 lapua•I 'a3t3ou aq; ui paijiads amp aqI alojaq !o uo pain Sou st 31nBJap aq; 31 •ales pug uo1;ula1a338 03 aaMOaaog 3o asuaJap aaq ;o ,fug !o ;In83ap 8 3o a3ua;sixa -uou alp ;!assn 03 uolpe 3.11'103 8 2uuq o3 31323a aq; pug uo3p3JaIa338 !3338 a383suia! 03 ;Op aq; 30 lam0!!og amp! lag3ln3 !lugs a313ou aqy •.f3ladold aq; 3o ales pun 3uauml3sul £3i.m3as spy �fq paln3as sums aq; 3o uoil8lap338 111 ;visa! Sulu 3313ou aq; ui paljpads a33p aq; aaojaq !o uo 31n8Jap aq3 aln3 0; alnf83 pug3 (p) pug :palm aq ;stun 3inuJap aq; ga11M 'aaMO!!og 03 uaA33 s1 3313ou aq; a3gp aq3 may S 8 p 0£ unto ssaI Sou '33833 8 (a) :1In83ap aq; !.1113 03 pallnba! 1103138 aq; (q) :IIR ago (8) :AjLads hugs 3333011 aqy •(asotaag3o sapinold Meg avg8311ddv ssalun 9T 110313as lapUn 1101381349338 0; !opd 3011 nit!) 3uautn4sul S;iln3as sit; 111 311aunaaa8 !0 ;11811an03 SUB 3o g38alq s,laMO!!og 2u1MO11o3 uof8aa4a338 03 aot1d IaMO!!og 03 a31;ou an4fl 4113gs Japuaq •saipauiag :uoi ;81aja33N7 'ZZ :smollo3 ss aaa& pus lusuano3 aaglzn3 zapua'l pus z3MOZ1Og S,LAIVNaAOO JADIOtINfl -NOM Witnesses: 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. -6(WY) (9904) Page 14 of 15 1 (Seal) GARY I1. SHEPARD Borrower C f L..t:. .�l )c' ._4e (Seal) DEBBRA R. SHEPARD Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Document L087WY Form 3051 3/99 66/E L90E WIOj 9LlO9LeBed p p siemu; I., TT AM880'I luelanooa :ss ,faunoj 000 `Z �Ew UT0OUT1 (toss) (AM)9- ONIVIOANI N103N11 AO31V1S ►,R.': 30.1J.141100 O1l8f1d AMV1ON 33)4 3121f1V1 4 100Z T T iaenuur :sa.nidxg uoisstuituo3 auvasxs •u vusssa 'auYasxs •z AurYJ Aq sitil aw aaojaq paWpainnouxos SEM ivaumt3sui Suwaa1o3 atiy `oNWIOAM Jo 1ZVZs S6(2,60.,Q 118 This Prepayment Rider is made this 1st day of May 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or the Security Deed (the "Security Instrument of the same date given by the undersigned the "Borrower" to secure Borrower's Note the "Note" to FIRST FRANKLIN FINANCIAL CORPORATION, a Delaware Corporation "the Lender of the same date and covering the property described in the Security Instrument and located at: 427 WEST FIFTH STREET, LA BARGE, Wyoming 83123 ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security instrument, Borrower and Lender further covenant and agree as follows: Except as provided below, Borrower may make a full prepayment or a partial prepayment of principal at any time without paying any charge. However, if within the first 4 year(s) after the date Borrower executes the Note, Borrower makes a full prepayment (including prepayments occurring as a result of the acceleration of the maturity of the Note), Borrower must, as a condition precedent to a full prepayment, pay a prepayment charge on the prepayment of that amount of principal which exceeds 20% of the principal amount stated in the Note (the "Excess Principal The prepayment charge will equal the interest that would accrue during a six -month period on the Excess Principal calculated at the rate of interest in effect under the terms of the Note at the time of the full prepayment. Rider. ekAll GARY 14.1 SHEPARD Document L0029 PREPAYMENT RIDER NOTICE TO BORROWER Do not sign this loan agreement before you read it. This loan agreement provides for the payment of a penalty if you wish to repay the loan prior to the date provided for repayment in the loan agreement. By signing below, Borrower accepts and agrees to the terms and covenants contained in this Prepayment (Seal) (Seal) 1 1 Q..Zi1'( li DEBBRA R. SHEPARD (Seal) (Seal) Fixed Rate Prepayment Rider First Lien- AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA (1S" only) MT, NB, NV, NH, NY, NC, ND, OK, OR, PA, SC, SD, TN, TX, UT, WA, WY