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Home My WebLink About866198£6 /ZI PapuauWV 06/6 ISO£ WJO3 „IJadoJd„ alp se puaunurui ,Clunoas stud ut op pa1Zajaz st 8uio8azol all Jo IIV •luaumnsui Aliznoas sup Act pazanoo aq osig Itggs suoipippU pug s;uautaoeidaz riy •Alzadozd alp 3o IJUd a .tal3zaaaq zo Mou saJnpxg pug `saougualznddU `s ;uauzasga ][E pug `Xp dozd alp uo moan zal3gazaq Jo Mou spuauianozdun agp IIg H.LIM ualaaDO.L DNINO,aM U3831/03>I NNVJP LO :C Wd 1- nr 00 i` 1OoNE 03A13O3J `.(„ssazppy XJado1d [apo3 diz] bi1£8 ONII1 TOAM `[431 aIlinaloD IKE MgIA Aa IVA 609 JO ssazppg al; S lOtiM loa.taq ;Jed a apeui aauaJaJaJ sup £q pug o ;slay pagae ;e „y„ ;pima aas :OI■iILQOAM `i(lunoD uioaurI ui pa ;goof AlJadozd paquosap 5ulmo[]o3 all `ores jo zamod l;!M `Iapua-i o; /ianu0o pug ;ugz8 `a8U8 ;Jour Agazaq saop JaMOitog `asodznd sill .10d •apoN all pug luauinusui kiunoas sill zapun S;uauzaaJBe pug spuguanoo S Jo 0ouguuo3Jad all (o) pug `luamt usui Apiznoas sup jo fC.lunoas all loalozd of L gdea8ezud Japan paouenpU `lsazalut glint `sums nip() Ire Jo maul/Cud all (q) `•al agp Jo suoi ;goijipout pug suoisualxa `siemauaz Tie pug `lsaza ;ui glint `apol`i all Xq paouapina ;gap all Jo luau/Mai alp (g) :Japua•i o; swims luaun usui i unoag sig.I '0£OZ `i aunp uo aiggiCgd pug anp `Jaijiga pied;ouji `leap mu all gptM `spuautiigd iCigluouz Joj sapinozd goigt `(„aloN puaumzlsui kunoas sill se app autes alp palep apou s,Jamortog Aq paouapina st ;gap TT”, •(00 .s .n) sJETIOQ 001 /00 Puy puesnogs aa.nn S Jog jo ums iediouud al; zapuari samo I0MO1.1Og •(„Japuai ZO£817 AIVOIHDIL I `a LIdLQOO'If `QdOlI Hdd2IOg'IaI 009Z st ssazppe asogM pug `AIVOIHDIL%I Jo a ;e ;S ag; JO SMUT alp Japan 8utpstxa pug paziue8zo si gOi1M gSd NNivg IyISOV'U 0; uani8 Si puauninsui Animas sigi, '(„JaMo1Zog `aji, pue puegsnq spaoj siaoa pug swum' Q i Jeg Si zo 8 e 8 1 10111 NJ. .000Z £Z Ae LQ uo uan18 si ;uaumusui A gDvD.LnIOYAI SIH.L a9V LMO1A1 [gm Sutpaoaag Jo3 au f spa, anogy aasds] WI HOW Id MOO 1 861998 t s�zq[ul LM3L1IR2ILSMI IA11103INfl RAC IH3/VAIPI3 0 1 2 utS 9MIAIOAM :•oN Japa° 91ZIL0866 :'ol`i ueo' J;uoD;uaiunao( /;daa 8uiddigs ally ZS60 ]JJVOIHDHAI `STIIH I IIIgIJNOO1$1 OOZ g,LIf1S `QYOH HdVUID IU,L 009Z fS 1 `MNVfl 2Iy.LSOV1 I ]1ew papzooa'i uagM p;o,CM 9 Jo 1 asrd BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right tdd5ottgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens, Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien of take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or 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 floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender Page 2 of 6 Form 3051 9/90 Initials: s�eit�ut 06/6 IS0£ UI103 930E 22ed •Mgl 'aigtotidde JO zapual pup Iamonog uaammg luatnaaz2¢ ualtt1M Auu gltm aouep000e ut spua aourinsut a2s2izotu zo3 ivatuaztnbaz agu [gun `anzasai ssoj u aptnozd o; JO 'papa ut aouoznsut a�t�ytotu urelutgut o; pannnbat sum-tumid all Amd Togs Iamozzog •paurelgo st pug aigmirenm samooaq mar Iapua'i Aq panozddm zaznsut um Aq paptnozd (saztnbaz zapuaZ rem pouad 0111 zo3 pus lunoure am twt) a$gIanoo aoueznsut agaizouz 3t `Iapua-i 3o not ;do ail It `paztnbaz aq zaSuoi ou Amu sluauiAsd anzasaz sso •aoutznsui a3s2;.iouz 3o nau ui animal ssoi s se smatuAtd asatp mum pus asn `ldaooe 'um Iapua -i •Io033a ut aq o; pasmao zo pasduj auzanoo 0oumznsut a111 uagm zaMOZZOg Aq prod &utaq mntuzaid aousznsut a2s21zou1 AizeaA all 3o tp3TaM1 -auo o; Tonba wins m gluotu tiosa zapuaZ o; Amd iisgs zamonog `aigmions 1ou st aStzanoo aoumznsut aSallotu luattntnba Auspus ;sins jj •zapua -i Aq panozddm zaznsui a2s2;iotu strum Tu us tuo13 'maim ut A aoueznsut a2n2 ;iota am jo IaMOIIOg o; ;soo 0111 o; luaTuntnba Aiotluslsgns lsoo t ;m 'maw ut Aisnotnazd aougznsui °Ragout all o; ;uaientnba Ausuuslsgns a2r13A0O uts ;go 01 paztnbaz suznttuazd a11u Amd netts zamOIJOH `1oa33a ut aq o1 sassao JO sasdui zapuai Aq paztnbw a2uz0n03 0oumznsut a2e21zotu am `uosgaz Aug zo3 `3I 1 00 33 0 ut aousznsut a2s2lzout all utslutsut o; paztnbaz stunt am At togs zamonog `11uatunz3sui AlunoaS stgp Aq pampas toot am 2upptu 3o uotltpuoo a se aoutznsut a2o2lzow paztnbaz Iapua7 3I •aaueznsui a2uNlioN •g luau/Cal 2uusanbaxzamonog o1 zapua•i utoz3 aot;ou uodn `isazalut gltm `atgmAmd aq Togs pus a;uz a2°N am ;s 1uautaszngstp 3o aiup am utoz3 lsazalut Iraq Timis suunotuu asatp `;uatuXmd Jo stunt zatpo o; 0az& Iapua-i pus zamozzog ssaiun •3uatunl3sui AtnnoaS stq; Aq pampas Iamollog jo ;qap tmuot;tppt autooaq imp L gduatzmd sup zapun zapuaZ Aq paszngstp slunoum Auy •0S op 01 aim( mu saop zapuaZ `L gdg18mzmd stq; Iapun uogoe mot Attu zapuaZ g2noguty •szredaz aoiotu o; Alladozd am uo &utza;ua pus saa3 ,sAau10 2 atgmuosmaz &unAsd `ytnoo ut Suumaddm ;uatun°tlsui Alunoas stgl IOAO Aluoud smq gotgm uatt m Aq paznoas stuns Aug 2utAmd °putout Arm suotloe s,zapua'j •Alzadozd all ut s 11112!1 s,zapual pus Auadozd all 3o amen aq3 loalozd o1 Azgssaoau st zanaltgM zo3 Aid pus op Sum zapuaZ ua113 `(suotitin2az .lo smut aozojua o; JO aznitajzo3 JO uotluuutapuoo zo3 `alsgozd `Aold1uju q ut 5utpaaoozd s se tens) Auzadozd all ut stu2tz s,zapuai loa33t ATlugotpuSts Amu tutu 8utpaaoozd Taal o st azagl JO `luatunz3sui Altznoas stg; ut pauteluoo sluatuaaz8g pus slutuanoo am monad of sTte3 zamonog jj •Alzadozd all ut s1g2Ri mapua7 3o uotlaalozd 'L •2U9t1M Ut Jamul am o; saaz& Iapua-i ssaiun a2Iatu 1ou Timis atltl aa3 all pum ptogasmaj ail `A11adozd a111 of atltl 0o3 saunbou Iamouog3i •asmat ag13o suotstnozd aq; its q ;tM Aiduzoo Tugs Iamozzog `ptogasmaT a uo st luatunz3sui AljznoaS sF1113I •aouaptsat Tmdtouud a sm Ajtadozd all jo Aousdn000 s,zaMOZZOg Ruttuaouoo suotlsluasazdaz `o1 paltuzq 1ou lnq Tutpnput `a3oN ail Aq paouaptna tom am 4ItM uot3oauuoo ut (uo13suuoJut miaow Aug gltm zapua'j aptnozd of paire3 zo) zapuari of sums JO uotlsuuojut olgznootut JO asjg3 Auoualotu ans2 `ssaoozd uot3sotidde toot ail 2uunp `zaMOIJOg 1Tngjap ut aq osig iimgs 10MOZZOg •3sazalut A;tznoas s,zapuaJ _to ivatuni sui A ;unoaS stq; Aq patron uaq all 3o 1u0uutmdun miaow zaglo JO Aytadozd aq1 ut 3saza3ut s,zamonog ag13o aznlTapoj sapnioazd `uouguttuzalap g;re3 pool s,IapuaJ ut `;em Sugnz g t ptM passttustp aq o; Sutpaaoozd zo uotlou am gutsnto Aq `g i gdmamzud ut paptnozd se `a;s;sutal pug 3inrjap t ions azno Amu zamozzog •;Sazalut Ainnoas s,zapua7 JO ;uatunz3SUJ A;tmoas stg1 Aq pa ;sazo uaq am ztmdtut AtTmtzal= astMZaq ;o JO Auadozd 0111 aznitojzo3 ut 1tnsaz pinoo 3uatu2pnf mot pool s,zapuaJ ut 3sgl un5aq st `pututuo JO two IOg1a4M '21npaaoozd JO U011os aznita31o3 Aug 3t itnsjap ut aq imp zaMOZZOg •Alzadozd am uo mum 3IUZUZOO JO `01.uz0I1010p o1 A ;zadozd am moue 'Almdozd all zredtut zo a2etusp `Aoz ;sap ;ou uegs zaMOf0g •Tozluoo s,zamonog puoXaq an gottim 3stxa saouu3suznorto &ugsnuaIxa ssaiun JO `piagqutM ATgeuossazun aq 1ou eggs luasuoo got11M `8u1;t1M ut saai a astmzag ;o zapuari ssaiun `Aouudn000 Jo amp am mug zmaA auo neat 3g zo3 aouaptsaz 1udtouud s,Iamonog se Alzadozd am Adn000 01 anutluoo Timis put 1UatunzIsui A;tmoaS mu 3o notlnoaxa am Ia13u sAup Alxts ut111IM aouaptsal tgdtoupd s,Iamozzog sr A ;zadozd a11; asn pug `gsgqu1sa `Adn000 Togs IOMOJIOg •spiotiasea' :uot3Iapddy unou yanno.taog :Alzadozd ail jo notlaa;ozd pus aausualupgj `uopentasazd 'Aaundnaao '9 •uot3tstnbot atp 01 zoud Ata1ttpauttut 1uatunz1suJ A ;unoaS stg1 Aq paznoas stuns all 3o 1Ua3xa am 01 Iapua7 0; sued Tugs uogtstnbog all o; zoud filmdozd all o; &mm p mat Sui;Tnsaz spaaoozd pug satotiod aousznsut Aug 01 1142p s,zamolog `zapuaZ Aq pannbou st A ;zadozd all 1Z ttdszguzsd zapun 31 •s3uauzAud a11; 3o lunoure am a2umlo zo Z pug i sgduz2mzmd ut o; pazzajaz s ;Taut /ud ATg1uOnt all 3o sump anp aq; auodtsod 10 puaIxa ;ou usgs jgdtouud 03 spaaoozd 3o uot1motidde Aum `2u9TIM ut aaz3m asTMZa4Io IaMOIIOg pug zapuaZ ssaiun •uant2 st aoT1ou am uagm ut5aq 'um pouad 'cep-0E ata •anp Tag 1011 JO zag1agM luatunnsui A1unoaS stgl Aq Palmas stuns Agd o; JO Alzadozd 010. 0z0150z JO zredaz o; spaaoozd all asn Arm zapuaZ •spaaoozd aousmsut 041 loauoo Arm Iapuai uag3 'mop u aptas 01 paz033o sgq zanzeo aoueznsut all Iglu zapuari matt aotuou o sap pE utgltm zamsue 1ou saw 10 `Alzadozd all suopusgs zamolog jj •zamonog o1 pod ssoox0 Alt g3tm `anp uagl mu zo zalla4M luatuttzlsui A ;unoaS stg1 Aq pampas stuns all 01 paudde aq Togs spaaoozd aoueznsut all `pauassat aq mom Alunoas s,zapua-i Jo atgtsta3 Auuotutouooa 1011 st zredaz zo notluzolsal all 31 •pauassat 1ou st *moos s,zapua-t pus aigtsma3 Ausotuzouooa st zredaz zo not ;mzolsaz ag13t `pautusp A;zadozd am 3o zredaz so not;szolsat 01 pattddu aq tolls spaaoozd aoueznsut `Sut1t1M ut aaz2s astMlaglo zaM011og puu zapuai ssatun •Iamozzog Aq Apdtuozd apmut map ssoi 3o 3oozd aoiutu Amu zapua'i °Iapua-i pue zatzzmo aousmsut all 01 aot;ou Idutozd ant2 togs zaMOZZOg `SSOJ JO liana all Ui •saotlou Tumauaz puu stun prod 3o sldtaoaz iio zapuai o1 anti Aildutozd iols zamozzog `saltnbaz zapua'i 3I •sj1Mauaz put satotiod all mu 01 142p al; anal imp zapuaZ •asnsio a2u2notu pzmpugls a apnput Iiggs puu Iapuari o; atge;daooe aq Tugs siomauaz pug saiotiod aougznsut IIV •L gdtagzmd l;1M 0ouspz0oom Ut Apadozd all ut s112tz s,zapua' 3oa3ozd o; atzanoo ure;go `uogdo s,zapua7 ;u `Amur zapua-i `anogm paquosap 08szanoo ure1utttu 01 sire31amollog3I •piagg1tM Aigeuoseazun aq 1011 togs got4M iunozddu s,zapua7 0; loafgns IaMOIIOg Aq uasogo aq tots aousznsui all &utptnozd zat°us0 aousmsut 0141 •saztnbaz 45 4 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Page 4 of 6 Form 3051 9/90 Initials: tOkrVI 17\7 .sIcuiuI 06/6 IOC WJod 9 Jo S aged Hots ales ay; jo spaa3oad aq1, •alt's Aug ;u A;aadoad aq3 asetaand .few aaualsap s ;l ao aapual tttq alqualidde Aq paglaasaad Jauunw ay; ul pios aq Buys A;aadoad ay; pun 'ales jo aagou ay; gsllgnd ungs Japual °PT gdeateand ut paputoad aauuow ay; u[ aamoaaog o; ales ay; jo aal;ou anlg llnys aapual •,4Agl alqualidde y ;lam aauupaoaae ul' ;uaaa33►p ji',f ;Jadoad aqt jo uo!ssassod ul uosaad ay; o; pun Jai oaaog 0; asop0ao3 o4 ;ua;ul3o 03l;ou 9,0 llnys aapual'ales jo JaMod ay; savenul aapuaq ji •aauapina aim jo s;soa pun saa3 ,sAauao; ;n algnuosnaa '0; pa ;lwti ton onq lulpniaul 'TZ gdgagnand sly; ul papinoad salpatuaa ay; flumsand ul paaanaul sasuadxa llu papa o; palol;ua aq lints aapual •Atli alquaniddn Aq pa;;lwaad salpawaa aaypo Aug pun ales jo aamod ay; a�lonul ,few pun puewap aay ;an; ;noy;t,t ;uatuna ;sui 1lanaaS sly; ,fq paanaas suns Hu jo I4n3 ul ;raw fnd a;nlpawtul aambaa Soul 'uol ;do s ;l ;o 'Japual 'aal ;ou ay; ui pamaads a;op ay; aaojaq Jo uo Rana ;ou sl 3inejap ay; 3I •ales pun uoggaaiaaae 03 aa,toaaog jo asuajap _taw 'Wu ao ;innjap a jo aaua;slxa -uou ay; ;Jassy o; not ;3e ;anon o 2ulaq o; ;gtha ay; pun uol3gaalaaae as ;3e a ;g;sulaa 03 ;Op ay; ;o aaMoaaog waoJul aay;an3 Hugs aauou aq1 •AOaadoad ay; jo Jigs pug 3uawna ;sul Swann sly; Aq paanaas stuns ay; jo uol ;gaalaaz 0 uI ;lnsaa ,fem aa1lou ay; ul pat3pads amp ay; aaojaq ao uo 3ln0Jap ay; Jana 03 aanlin; 3014; (p) pug :paana aq ;sum ;inejap ay; gala t Aq 'Ja,toaaog o; uan0 sl a3gou ay; amp ay; wo.4J sA0p o£ unto ssal 3011 'amp o (a) :;lnejap at; Jana o; paambaa uol ;an ay; (q) :;inojap at; (o) :AJpads Heys aal;ou aqj •(asl,taaq ;o saptnoad mei alqualidde ssalun LT gdea2eaed aapun uoguaaiaaan o; Jolad ;ou ;nq) ;uatun.;su4 A;lanaaS sly; ul ;uawaaau ao ;uguano3 ,fug jo g3eaaq ma,to.aog 2u!moiioj uol;eaaj3330 o; aoNJd Jamoaaog o; aal;ou anp Nuys aapual •salpawag :uopuaalaaad •IZ :smofo3 so aa1Sg pu0 1uouono0 1041J1j iopua'-y pug 19m0110 g •SINIVNgAOD JA11IOdINf1 •u09.001old I0luatuu01lnua 10 A49J0s 4 14310011 03 a;04a1 ;0g; p3 ;too4 s1 Al1adold 9143 aia4m uot3otpstznf oqi 3o smo1 puo SMUT 4013p3J suoaut „m0Z I0;u9tuuo1lnug„ `oZ gdgaoiod sup tit pasn sy •s10ua30w ant300otpol puo `340414OJ0uuoJ 10 so3sags0 &utut03uo0 siutto 011 `s3uanlos 34904011 `saptotgiaq pug s3Plol ;sad otxo3 `s3onpoad uxna1ot3ad 01x03 01goUU0H 131410 '3uasola04 `autlosa :saouelsgns a114moJoJ a43 pug m0- 41rluatttuonnug Aq saouoisgns snopozoq 10 01x03 s0 paugap saourlsgns aso41 310 „s90utlsgns snopJOzOH„ `oz gdoiSuiod sup ut pasn sV mg7 IOIuauUOJtnug g3jm 30110p10000 ut suot3o0 40tpawal £tus533311 110 qui A4;duold IIugs 13mouuog `A..1ossaoau st A31adoid alp 3ut30aJ30 aouolsgns sn0ptuz0H Au0 jo uot;rtpaw31 1atl3o 10 4gnouat Aug 30143 `A4u014;n0 ,CIO104fSa1 10 1O2UOtuulano11 Aum Aq patjt3ou s1 10 'suural lamortog 3l °0Sp04m0u)1 4011300 504 1amo11og 140i14m JO MOI j0luatuuoltnug 10 aouoisgns snopIOZOH Aug put Apodoid 3143 2UInlonut A3°tod O3unud 10 Aou34u A101OI1150110 IOl11awu1On02 Au0 Aq 11014300 13410 10 1tnsm04 'puuuap 'cutup `rot ;02l3sanut Aum jo a013ou ua3311m JOp11O1 01112 Apdwoid 4lugs Jamouog °A31adoJd 34330 OOu0ua3u10ux o3 pu0 sasn lOtluaptsa140tu1ou o3 a30ud01ddO aq o3 paztu2o0a1 A11uiouo2 310 3043 saou03sgns snopIOZOH 3o sat1quonb liras jo Auadold 312 uo 080.035 10 `asn `mosaic' 043 03 A4ddo Sou 44045 saoua3uos om3 Sutpa0ald 941, °MWJ 4O3uautuolinug Au0 JO x10110101A III st 30143 Ai10do1d 043 211130033r SuupCuo `op 04 asp 3uoAuo moi10 mu `op Sou 41045 1amouog °Xpodold alp w J0 uo saouglsgns snop10z0g Auo 3o as0a4a1 10 `320103s `4osods112 'mu `3ou3said 043 3ttuaad Jo 3snOO Sou i1045 J3mOJJOg •saau0lsgns snopaOZOH 'oz °mut ajgoogqddo Aq paltnboi uot10u1oJut Ja43o Aug u103uo0 0540 411m a013ou 04 •3pRw aq P4nols s;uawAud goI4m 01 ssalppr 043 put =Inns 1100' mar 343 3o ssaippo pug ouou 043 33035 411m a04ou ou j :mu! 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Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument to Borrower. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtesy and dower in the Property. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] [X] Adjustable Rate Rider Graduated Payment Rider Balloon Rider VA Rider Condominium Rider Planned Unit Development Rider Rate Improvement Rider Other(s) [specify] 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: STATE OF WYOMING, My Commission Expires: by Earl D Morris and Doris Morris husband and wife, February 2, 2002 Earl D Morris Doris Morris The foregoing instrument was acknowledged before me this 1 -4 Family Rider Biweekly Payment Rider Second Home Rider Lincoln County ss: Page 6 of 6 25th day of May, 2000 Notary Public (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower Form 3051 9/90 S7 iII £osn (E 3o 1 awl) S8 II LE 111a0,3 luawnalsui wionun avw alppaiJ/auL9 aluue3 4111E4 a15u1S Z -9 IAIUV aaptg IOW alelsijInl%l s1R; 30 ;insaz aq; punoz uatj; iitm zapioH a ;oN aq,I, •xapuI ;uaun0 au; o; %sLB'Z) snRod ar;uaozad sq ;g2la -uanaS pug OAtL Butppn Aq a ;ez ;saza ;ut Mau Atu a ;einoiea jj!fin zapioH a ;oN aR; `a ;eQ aBueRO Rona azolag saBuggO 3o not ;rinalg0 •0010110 slip 3o aopou OUI aAI8 HIM zapioH a ;oM 0111 •uot ;euuojut aignzedmoo uodn pang st RotRM xaput Mau a asoono II1m zapioH a ;oN aIp `aigeitene za&uoi ou st xapuI alp 3I „xapuI 1.uazzn0„ aR; Paiieo st a ;nU °Buryy Rona azojaq sap Sb app oR; jo se aigepene azn8 j xapuI lima' ;soot amt, •pzeog anzasag Iezapad alp Aq aiquilunn apgtu sn `Iran j 3o A;uninul ;ue ;suoo a o; pa ;snipe sat ;tznoas Aznseazl, sa ;e ;S pa ;tu f uo plo!A a2ezane Ai3iaaM aR; s1 „xapuI„ ota °xapuI ue uo pang, aq junk am ;saza ;ut Au' 'ma amp mg OR; R ;IM Butuu!Bag xapuI aq L (g) „'a ;ec aBurRO„ n paiino s1 aBungo pinoo a ;ez ;saza ;ttt Auz Rotgm uo ale!) Roeg 'zageazaR; R ;uotu q;Zi Anna Aep;eR; uo pun 'i00Z 'Alnp jo Aap ;szt 011; uo aBuego Am And iipM I a saza u l aq j saps aBurgO (v) SIIONVH0 INIIIAiAVd A'IHINOb1I (INV aIVUI 1SIIDIII.LNI '6 :smoitgl se `s ;uatuAed Appuoul alp pun a ;ez ;saza ;ut atg in sa tang° JOJ saptnozd 0;0N OiU %SZ9'L 3o a ;ez 1saza ;ut jet ;tut ue z03 sapinozd O ;oN aq L SIIONVHO 1N 1JAIAWI A IH LNOIAI QNV MINI! 1SIIZUII LNI '`v :smoiio3 se aazBn pun ;ueuanoo zaq;_ttt3 zapual pun zamozzog ;uatunz;sui A;tznoas al; ut aputu s ;uautaaar pun s ;ueuanoo al; o; not ;tppe uI 'S.LN`VNIIAOO 'ItVNOILIQ(I�' 'AVd 1SIMI IlaMOlRIOg aiu aIVU Y%I ThIIXVIAI IIH,L QNV IILIIIL IINO ANd IV IIONVHO NVD aIVII LSII2IIILNI SAIIIMOmRIOf IIHZ LNLIO1%I V IIHI S,LHAII'I II,LO■ IIH1 'INHIATAdd KIH.LNOIAI IIHl (INV a1v 2I LSII2III1 I�iI HILL NI SIIONVHO 110,1 ONIMOTIV SNOISIAOIM SNPVINOO IIZON IIH1. [ssoippv Auadozd] PII£8 ONIIAJOAM `alllna `WI MIIIA AIITIVA 609 pa ;eooi pun ;uaunulsui Aiunoas alp ut paquosap Apadozd alp Buuanoo pun a ;ep awns ati; jo „zapua7„ al is i gvis9v'I3 o; („a ;oN„ am) a ;oN owl; aige ;snfpy s,zamo.uog aznoas o; „zamozzog„ atp) pauSIszapun aR; Aq uan18 a ;ep awns ati; jo ;uau1tu suj A;unoas„ al;) gaol A ;tznoas z0 ;sni” 3o paa j `o eB;zow 011; ;uautaiddns pun peat= o; patuoop oq iie11s pug o ;ut pa ;ezodzoout sI pun '000Z `sew JO AnP pI£Z st11; apeul sI 2IIIQRI IIiv i a snraW SIH,L (sdg0 alrj xapuI Alnsrazy Iran I) xaani aivu arigvisarav 458 addition to the nearest one eighth of one percentage point (0.125 Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 9.625% or less than 5.625 Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than Six percentage points (6.000 from the rate of interest I have been paying for the preceding twelve months. My interest rate will never be greater than 13.625 (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone number of a person who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. Multistate ARM Rider ARM 6 -2 Single Family Fannie Mae/Freddie Mac Uniform Instrument Form 3111 3/85 (page 2 of 3) 3o aged) S8 'TIE wao3 ,uatunaasuI mao31un aeyAT atppaa,3jaeu atuue,d ,Cliuie3 alguis z -9 aaptt 'Amy aaelsDI'NJ scu .10M01.10 El- zamo.rzog- (ins) (inS) aamo.riog- (j 6SP SUJOj 19.I°a zamortog- St.xaOy4[ Q iaga (spas) 17-1--,-7 •aappi aigrIsnfpy ui pauit uoo gueuanoo pug suual aqp oI mar pug s3daooe iamo.uog 'MUM DNINDIS MI Re so EXHIBIT A Legal Description for Earl D. Morris and Doris H. Morris Lot 16 of the Taylor 5th Subdivision, Lincoln County, Wyoming as described on the official plat thereof. 460