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HomeMy WebLinkAbout866221661£ L90£ WJoj 98TV901OTO 50 -MISS 'S2IgIAi (888) 'IN `9Z0Z IIAI `3U!1.3 `9Z0Z xog 'O'dJo auogdala; pue ssazppe ue sng pue `aanMBIOG JO sMn1 au; iapun ut;stxa pun paztungio Si slo •;uawna ;sul ;i.tnaas slat; Japun 332e2 ;.tout alp si .satsse puu s1ossaoons mapua7 pun aapua7 Jo; aauguou a sn 'Claps 2upon s► ;egg uoue-todtoo am das a si Sggys1 oul `suta ;siCS uoi ;u.1 ;shag oiuot ;oatg a2e2 ioj si „smalki„ (0) luatun1 ;sui ki.unoas sit; mpun .to2r2pout aq; Si .IOMO.ltog 91 uogoas ui papinoJd osie aae ;uaumoop stg; ui pasn sptoM Jo aesn Ouip.L 1 salnz uteuaJ 1Z P OZ `81 `£1 `t t suoi ;oas ut paugap are spIoM Jag ;o pun Motaq paugap am mawnoop sig; 3o suoi ;oas a1di ;lnw ui pasn sptoM e 9 g -HOW lid et x00>3 9PJIL^10,4M 113831t4ln>i NNVJr Id E- NNnr op I!d`INN! QJA1303 1 Z98TP9OTOTO8£T000I NIN aDVD,LITOIN eteQ 2uipaoaag ao,3 auq sigj MOW aaeds] 1Ze998 1.6U 129(00M MI1o4 30H01210W dWA slemul 91 1. esed (9066) (AM)V9- S213W H1IM 1N31010211SNI W21O3IN0 OWlHd1VWNd e(6U!S-ONIWOAM uppi paz11I4 I °TZbag pso3peag 4iegog si „.mmoaaog„ (g) ;uaumoop sitg o; siapig 11g TIM 10t140201 OOO /T0 /90 pomp Si gotgM `ivaumoop stg; sueow ;uawn.t;sul A ;►.tnaas„ (y) SNOLLINId1G 6£6b6 gluJoJigD °ands laui 56Z a;tns `aPJD 2utpugr indsMan 1 006 auI '2uipung a; u2poytl;uioduaaa0 :Cg paredaJd 6£0/6 gtuaoJilg0 `.tndolae7 101 ins `a1 2uipug7 inds 00I I atq `Su!pun3 aaapoj1i ;moduaa.t0 :oI utn;ag (D) "Lender" is GreenPoint Mortgage Funding, Inc. Lender is a corporation organized and existing under the laws of The State Of New York Lender's address is 1100 Larkspur Landing Circle, Suite 101 Larkspur, California 94939 (E) "Note" means the promissory note signed by Borrower and dated 06/01 2 0 0 0 The Note states that Borrower owes Lender One Hundred Fifty Three Thousand and 00 /100ths Dollars (U.S. 153, 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 6/1/2030 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: F1 Adjustable Rate Rider 1 1 Condominium Rider Balloon Rider n Planned Unit Development Rider VA Rider n Biweekly Payment Rider BBAT -05 6A(WY) (9905) Page20115 Second Home Rider 1 -4 Family Rider n Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" mean those items that are 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. Initials: D- 56E 0101064186 Form 3051 3/99 661E 1.90£ wiod 5 1. Jo 6 e6ed (5066) (),M)v9 ieppul 98T6901010 SO -LESS X.pado.id Ita1 2uuanoo Iuaumtlsut Xitanoas uuoJtun t alnitisuoo oI uotloipsunf ,Cq suotiutaun palm!! Minn siutuanoo uuoJtun -uou pun asn ltuotitu Joj siutuanoo uuo31un sautquzoo .LM IA1fnxisNl AIflInDis situ, p Iooa t jo scout igtunoua Xuu o; Iaafgns `spuuutap put ammo llu Isutat i(laadoad aql of aliil all )(pima puajap !Juno put siuuu um Jan/tome p.zooa.I 3o saouu.Iqumoua Io3 Idaoxa `paaaquinouaun si Xl1adotd aql lugl pun Xi.Iadoid aui Xanuoo pun iuu12 `a2n21out OI itl2ta alp stq puu pa,(anuoo Xgaiaq aiuisa alp jo pastas /IlnJnnul si 1aMO1og lutjl SINVNNAOJ 2I[MO flIOg ulsu ilunoas stul Sutlaouuo put '2utsuala1 `ol palm!' lou inq Tutpnlout .Iapua' jo pa.nnbat• uotiou ,puu aNul of puu `Xpadoid atll pas pure asoloaaoj 0l I4p.I au `04 milli!! iou Inq `2utpnlou! `sisataiut asotli Jo ire Jo Xuu astotaxa of :4141 atli suq (satssu puu s.[ossaoons s,.tapua' pun .Iapua' aoj aaututou su) slow `utoisno 10 mu! ttitnn Xidwoo oI £Iussaoau 3t `inq `ivaturuisul Xit.tnoas Stull ut Iamonog ,Cq paluu.I2 sisaiaiut anti 04 app lu2al /quo sploq s'gIAA ltgl saaav put sputisaapun lamonog „.Xuadoid„ a su ivauuntlsul Xlt.Inoas stgl ut of pauaJa1 st utaaJoj aql 3O IIy •luauutuisui Xlunoas sigl paianoo aq oslt pugs suotltppt put? sivautaouldaJ IIy •Xiiadoid all Jo Ind t lap Jo MOU saanixg pure `saouuuopnddu `sivauuasua IIt put `XI_tadoid a uo pap= Jaseaiaq JO MOU sivautOAOIdutt agi Itu HIIM N 1,1200i [apop d!Z] TtTE8 SututoXM !DI [pals] jo ssaappu alp suq XIluaaano got4M „ssaippy ,ipado1d uangny+ LEZ Aezgbtg egs4g butlWOAM S66Z :1agwn]N QI pon •goeaeq gild s spew pus ogexeq pee „y„ gtgtqx8 ut pegTaosep Aii inotnsd exonz sy El10901pSptlf 8u!piooag 3o OWEN] [uo!Io!psunr Su!paooag 3o ad,CS] utoou -Z 3o Aquno3 all ut paiuool Xiaado1d paquosap 2utnnollo3 aqi `alaS Jo Jamod illtM sggy� Jo suBisst puu sJOSSaoons alp 04 put (suOtssu put sIOSSaoons s,Iapua7 puu Japua-1 .ioj aautuiou st Slops) SiIgN of Xanuoo puu iut12 `a2ai lout fCgaiaq saop Iamo.Uog `asodind dull Jod •aioM alp put Iuauzn.Iisul ,Clunoas stgi aapun sivautaaJ22 puu SIUL'uanoo s,Jamoatog 3o aoutu.uojJad agi (q) puu `.aioN aqi 3o suotltotJiPoul puu suotsuaixa `slunnaua1 lIu puu `uto7 aqi jo ;uau Xuda1 agi (u) :lapuaq of saunas IuatuIulsul Xit.moas sp.!” A L2IgdO Id gH L NI S.LHODI ,dO 2IgdSNy2I,L •luatunuisul /lianas sup .IOipuu aioN aqI .zapun suotiailgo s,aamo.Uog paumsse nil kind Imp lou Jo 1aglagM `XlJadoad alp of app ua)Iul sal imp kind ,Cuu suuauz „aamo.uog Jo Isaaainj nt iOSSaaans„ (a) 1.95 OS6 K:eA 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 tern 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 BBAT -05 4211,6A(WY) (9905) Page 4ot15 Initials: tB F 568 0101064186 Form 3051 3/99 661E 640E WJad 98Tb90T0T0 F S /r�11 aiep�ui 91, )0 9 e6ed (9066) (AM)V9- a!i fu!4J uap! aotlou u aamoaaog ant2 ,Cgua aapua' `luatunalsuI ,Cltan0aS sigi JOAO ,Cltaoud utgliu ugo gotgm uatl u of IoaCgns si ,(laadoad otp jo Ii d ,Cuu 1pgl sautuuaalap aapuai 3j •Iuatunalsuj ,(itanoos sip. of uo!! a!l Sutlgutpaogns aapuol of ,C.toloujsipus mauuaaa& uu ua! ow 3o aapjoq aql woad saanoas (o) ao `.papniouoo aan autp0000ad lions !pun ,Cjuo Inq Tutpuad ATE sSutpaaooad asogi ajigm uo!! agl jo luatuaoaojua aql luanaad of aluaado uotutdo s,aapua'j ut gotgm autpaaooad [J `ui mil 0Lii jo Iuautaoaojua isutag spuajap ao `,(q wit; pool ui 'toll otp slsaluoo (q) `.luaulooiRe Lions 2utuuojiod st aamoaaog su Ouoj os /quo inq `aapua7 0l olquidaooe imam u ut uo!! aql ,Cq paanoas uoiiaggo aql jo luau/Cud aqi of 2uiltam ut soaa& (g) :aamoaaog ssajun Iuauznalsul ,Cltan00S sup aano Xltaoud oil gotgm uo!! Aug a iutiosip ,(jlduuoad !lugs aamoaaog uotloaS ut paptnoid aauugtu atp ut amp ,(rd nugs aamoaaog 'swan moaosg aag ma! asap Tut( lualxa agI o j .Aug 3i `sluauussassy pun `saad `sang uotlutoossy iCltuntumo) pug 'Aug 3i `,(iodoad agl uo sivaa punoB ao sluautu(ud plogasgaj luatzmaisuI ,(ltanoos sup aano ,Cltaoiad uinllz uuo !otgm ,(Iiodoad aql of au:mug suotlisodun pug `saug `sadaggo `sluauussasse `sax% u ked Hugs aamoaaog •suairl tsaaeto •$7 aapua7 ,Cq pia! spund ,Cut aamoaaog of puma! ,Cjidtuoad Hulls aapua- `luatunaisuj ,(ltanoaS sup ,(q paanoas sums Hu jo ijn3 ut luatu,Cud uodn •sluam,Cud ,Cullum anjaml Imp aaotu ou u! inq `ydS)i Lillm aougpao0og ut ,iouatogap a dn axgut of ,Cmssaoau Iunome 0Lil aapuo oI ,Cud !jugs aamoaaog pug `ydSg'a ,(q paainbaa su aamoaaog ,ijtlou Hulls aapua-j VdSg2I aapun paugap sg `moaosa ut pjaq spund 30 ,Couaiogap g s! aaa 'Ii 3I •sluaut,Cgd ,Cjlluout aniaml ug4i 0a0tut ou ut Inq `ydSgdl glum a0uepao0ou ut 0Sulaogs agI dn 07jutut of ,(agssaoau Juno= alp aapua7 of kW Hugs aamoaaog put `VdS32I iq paambaa sg aamoaaog ,(3tlou Hulls aapua' `ydSaI aapun paugap se 'mama ut pjag spund 3o agiaogs g s! 0101 3I 'VdS32I TIM aougpa000g ui spund SSO0X0 a ao3 aamoaaog 01 luno0og Hg 'Is aapua' `ydSgH aapun paugap su `moaosa u! pma i spund 3o snjdans u st aaagi 3I ydSg2i ,iq paambaa sg spund 30 5utluno0og !mum uu 'amp Inoglim aamouog of anti Hugs aapuaZ spund aqi uo mud aq Hugs lsaaalut Iutjl `Jonamo! Tutitam ut 001E Imo aapua' pug aamoaaog spund a uo aiming 10 lsaaalu! ,lug aamoaaog ,Cud of paambaa oq 1016 Hugs aapua-j `spund aqi uo mud aq 01 Isaaalut saatnbaa mu-1 ajggotjddy ao 2utltam ut omit 51 luautaaaau ire ssajun •02aggo u gons axew oI aapua'l sltuuad Awl ajquotjddy pug spund agl uo lsaaalut aamoaaog S,Cgd aapua7 ssajun `small moaosg alp Sut,C3taan ao `luno0011 moaosa aril 2uiz,Cjguu ,Cljgnuuu `spund a 'I 2ut,Cjddu pure 5utpIoq ao3 aamoaaog amp jou Hugs aapual •ydSg2I aapun pagtoads own aqI uutp aaluj ou Stualj moaosg alp Awl of spund a!l A(jddg Hugs aapua' •xugg ugo-j autoH luaapad ,Cum ut ao (paansut os aag slisodap asogm uoiinitlsut uu Si aapua73i Outpnj0ut) ,(414160 10 `Xlijgivautntlsut `,CouoSu jgaapa3 g Aq paansut am slisodap asogm uoilnljlsu! uu ui pia! aq Hugs spund 0 4 1 mWZ alquoijddy Liitm a0uupao0ou ut asima0Lilo ao swan moaosg aanln3 jo saanlipuadxa 3o saigu algguosuaa pug %lup Iuaaano 3o siseq aqi uo onp spund 30 lunoure ow algtutlsa hugs aapua' •ydSg2i aapun aatnbaa two aapuaj g lunouzu tuntutxgtu alp p000xa of lou (z) pug ydS I 1 aapun pagtoads otuti a lu spund aql ,ijddu of aapua7 ltuuad 0l lua!owns (I) lunoure 1611 ut spund pjoq pug Io0Hoo 'own Aute Ili `,(gut aapua7 uotloaS sill aapun paambaa uag! aag imp( `slunoute 'Ions u! pug `spund !!g aapuaq of ,Cud pip aamoaaog `uotlg0onaa pus uodn `puu S I uotloaS 'Il1M aouupaoaau u[ uant2 a0jlou g ,(q 0161614 ,Cur le swan mama Hu 10 ,Cue oI se aantem 01.14 axonal Amu aapua7 •lunouue dons Attu aapua' of ,iudaa 01 6 uotloaS aapun pals tlg0 aq 160 hugs aamoaaog pug lunoutg lops ,Cud pug 6 uotloaS aapun silpta slit as!oaaxa ,(gut aapua'4 'wog moaosg U11 ao3 onp lunowu 0Lii ,Cud 01 sjig3 aamoaaog puu `aantum a oI Iugnsand `,(iioaatp smog moaosg ,Cud 01 palg2ijg0 st aamoaaog 3I '6 uotloaS u! pasn s! „luautaa1S1 pug luguano0„ aseagd a SE luautnalsuj ,Clun00S sup ut pautgiuo0 luatuaa1 2 pug luguanoo g aq of powoop oq sasodand jig ao3 !pis sldta0aa aptnoad 01 pug sluauuXgd lions 031uut oI uotlu5tigo s,aamoaaog •aambaa Attu aapua7 sg pound 016614 Sons utgi1M Iuaut,Cgd 'Ions Sut0uapina sldta0aa aapua7 0l gstuuf3 hugs `saatnbaa lopuoi 3! `pug a0pua7 ,Cq pantum uaaq sgq spund jo Iuow111d 'I0tgnn ao3 swan moaosg ,Cum ao3 onp '4'49 0 os 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 BBAT -05 6A(WY) msso5) Page 6 of 15 Initials: 12-bP- 5 'r 0101064186 Form 3051 3/99 661E 1.S0£ WJOj 9l Io L e6ed (9066) (AM)V9 sietpui 981P901010 50 —INNIS ajg13uostai Suu d pull `ltnoo ut Suptadd13 (z) `Iuauzngsui !1noas sup JOA0 Aluoud s13q �jotgM uatl 13 ,tq patnoas sums Are 2utad (j) `o4 pa4iutij Iou alt Inq `apnjoui use suoilo13 s,lapuaq '41adom ago Ouuredai 1o/pug uunoas pus `Alladold a41 Jo =tun ago 2uissass13 10 /pus 5upoaloid Outpnjoui `Iuautn14su1 Atlno0s sup .10pun s1qpu pus Xlaado.td a44 ui Isala4ut s,.zapua-I loa4old of altudoldd13 10 ajquuostai sI 1ana4u4M 1oj Atd pus op am lapuarj U044 `,tltadold 044 pauopuuqu ssq 1amo11og 10 `(suo1113In2a1 10 SM13l gawpua o4 10 4uau.Inllsuj ii4Tlnoas s144 .JOno X4uoud mum atu gotgM uatj t Jo luatuaoaoJua Al; `alnlIa31oJ 10 uo►Isuutapuoo 1oj `a413goid `Ao4dnnju13q u! 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I 5;? 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, BEAT -05 Q�{� 0101064186 Initials: 4 1`- 6A(WY) (9905) Page 8 of 15 Form 3051 3/99 66/£ 190£ WJOI veiyui 981b901010 5 IVIES St to 8 eBed (soss) (Am)vg-gaw sup 2uta[s -oo st (u) :(,,iaugts -oo„ n) alom a44 a1fOaxa 4ou saop Ing Iuawnaisui Altanoas sup suits -03 OqM 1 M01JOg Xug `JanaMoii •relanas pun lwof aq iiegs Aug!! pun suopaggo s,aaMouog 1e44 saaJau pup S4uguanoo JOMO.uOa 'punog su2tssy pus saossaaans aaaudts -oD :Sltilge1l pianos pile 4utot '£I •,Cpawai Jo 442!1 ,Cue 3o asta caxa a44 apnioaJd Jo 3o JaAlum g aq lou Hugs `anp ua44 4unouam a41 0044 ssal s4unowe ut Jo JaMO.uog 3o Isalalui ut SJOSSaoons Jo saimua `suosaad p1[g4 woJ3 swatuked 3o aouuldaoog s,Japua-i `uol4e4twtl 4no44tM Tutpniout Apatua1 Jo 442p ,Cum 2utstoaaxa ut Japua' Xq aouezeagao3 iiuy •10M011og 3o ma'am ut s.OSSaoons ,Cue Jo 10MO1JOg IOuiVpo a44 Aq apnut pumwap Auo3o 005001 Aq luawn.isui Xlunoas sup Xq paJnoas sums a44 3o uot4nzt4JOw0 (jipow asIMJaglo 10 luau /cud Jo3 awti puaixa o1 asnjal 04 Jo JaMOJJOg 3o macaw' u1 Jossaoons Cum Isureao autpaaoold aouautuxoo o4 paltnbw aq 400 Hugs Japua' •JaMouog 3o ma'am ut slossaoons Auu Jo JaMOu0g 3o XTtiigmli a41 asualai of almado 4ou hugs Jamozcog 3o 1S0104ui ut aossaaons Cum J0 JamoIJOg o4 Japua7 Aq pa1UW0 IuawnIIsui ,(4tmoas si41 Xq pamoas sutras a443o uOt4ezt41otue 3o uot4eogtpotu 10 4uaw,Ced .103 amp a44 3o uolsuaixg •aanisM a iow Japua7 fg aausasagaod :passaiag aauoaaog 'Z1 •Z uotioas ut 103 paptnold aaplo 041 ut patiddm aq hugs A41ado1d a44 3o atedal J0 u0140104Sa1 of patiddn mu aJn 4044 spaaooJd snoau0u00SJA •Japua7 o4 pied aq 11gs pun paatssm i(gaJaq oJm ,(iJadoid a41 ut 4Sa10401 s,JOpua-130 4uatugedwt a44 04 aiquingiJiie 010 4044 s0fnwnp Jo3 wteio Jo p10M0 Niue 3o spaaooJd aq1 •4uawn.4sui i(4tmoas s141 Japun sup.' 10 ,(1aadold a44 ut 4501010! s,Japua-i 3o 4uauureduu IeUJa1uul aa410 Jo X4.adold a44 3o a.nlla3Jo3 sapnloaid Iuatapnf S,JapUa-i ul `4 $utin1 m 44tM passtutstp aq of 2utpaaoold Jo uot4o0 a44 5utsnuo Aq `61 uot4oas u[ papinoad se a40isut0J `paJJn000 s04 uop4glalaoog 3t `p00 4inuJap u 4ons amo 000 JaMO.uog •luawnIisul Xltlnoas s144 Japun sot p Jo AiJado1d a44 ut Isala4u! s,Japua-I 3o 4uauutedtut IuiJa4uuz Ja44o Jo A41ado1d a41 3o a1tt1t03ao3 ut 4jnsaJ moo `4uaw2pnf s,Japua-i ut `4044 un2aq st `i0utucuo Jo unto Ja41a4M `futpaaooid 10 u0t400 ,toe 31 linejap ui aq iT4s JaMOJJOg °spaaooJd snoau0JOOS1JAI 04 !maw u► uot4ou 3o 1441 m s04 Jamo.JOg uto4M 4su1S0 ,Claud a44 Jo spaaooJd SnoaunuaosIIAI 1aMOJaog saMO 4044 Xl.tmd p1144 a41 sue= 'j.red 5utsoddp„ •anp ua41 mu JO Ja41a4M `4uawna4sui 11tmoas sup ,(q pamoas sutras a44 04 Jo XIJado.d a44 3o Jleda. Jo uot40104501 0l Ja44!0 spaaooJd snoauuiiaosnAl a41 ,Ciddu pug 4301100 04 p0zpog4ne sl Japua'i `uant2 sl aot1ou a44 amp a44 nip &Cup 0£ ul411M Japua-i o4 puodsai o4 sltu3 JaMOJJOg `sa 0urep 103 00040 m aims O4 p10M0 uu °Aiew 04 sa033O (aouaivas 4xau a44 ut pautjap so) Sired Butsoddp 044 1041 JaMOUog o1 Japua1 ,(q aot4ou 10130 `3t Jo `JaMOJJOg Aq !moping Si A41ado1d a44 3I •anp 0a41 010 sums 044 lou Jo Ja44a4M 4uawnJisui X4unoas si44 Aq pamoas sutras 044 04 paliddu aq hens spaaooJd snoauuipostjAI a44 Iut41JM ut aat& 0stMJa440 Japua-i p110 JaMOJJOg salon `amen 0l ssoI Jo `uot4onJ4sap &uprel retuud 041 aJojaq iilalgtpawtut pamoas sums 044 3o ItmoUJO 044 00 Ssai st anion ut SSOI Jo `uot1onalsap `Suplu1 101410d 044 aaojaq Xia40tpoi.uw! 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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 BBAT 05 0101064186 OI I .6A(WY) (9905) Page 10 of 15 57 Form 3051 3/99 661£ 690£ w'od 981t901010 911 LL e6ed (9066) (AM)V9` t�dSg2I not ;tuuojut z04uo /Cut pun open' aq plump s4uatu/(ud uotgnn o; ssazppe ago `zaotnuas uno' Mau 041 30 SS0J pu put auznu 044 alms 11[M 4O14M aun4O a44 30 0ot4ou 11a14UM uant2 aq !um zaMozzog `.'aatn.►as utorl 044 3o agutgo u st wain 31 •0oom a44 3o alas t 0; pa4tiazun notnzas u2o'i ago 3o s021.12110 010111 .10 auo aq 4qpuu oslu azagZ Merl alquotiddy put luaumzlsul *moos sup `atom 041 zapun suot4a4go 2u!Otnzas ueol aBt54iou' '0440 suuojzad pun 4uaumz;sui k4unoas 5144 put a40N 044 zapun anp sluatuXed otpotzad s;oalloo 1244 zaotnzas u2o7„ 041 52 umou)l) A11ua 041 u► au240 t u' 4lnsaz 44pcu alts y •zamozzog 04 ao14ou loud lnogltM sawn azou► zo auo Nos aq uto (luauinfsui /C4unoas s1go gum 10440304) aloM ago u►_ Isamu! 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Ietogauaq 2 put uoszad l2znl2u a mu st 10M0110g 3t 10) pauaJsuu14 plos 91 ,(410d01d 044 ut 4S0104u' /iut 10 /Clzado1d 044 JO lztd /Cut .10 li 3I •1as2401nd t 01 a42p a.mun3 2 421amozzog Aq a1414 3o zaJsu214 041 st 4314M 3o ;ualui 041 ;uatuaaae MOMS0 10 40211uo0 salts 4u0u'lle4sut 'pap 103 40211uo0 'pap 103 puoq u ui pa ajsUu14 %sazaoul 12togau0q aso44 `04 paituttl 4ou inq `Buipnlout `,(lzadold ago ut Isamu! lutogauaq 10 Taal /Cur su2atu 1padozd 044 ut 4saza4ul„ `81 uoi4o0s 5141 ut pasn sy •aaanoiaog ui ;sacra ;ui IetOgauag a ao 14.tadoad ay; Jo as ;suIUI •81 •4uau1n14sul ,Clunoas st413o put glom atop Moo auo uaniB aq 11tgs zamozzog •/CdoD S Li •uoj402 /Cut a)r24 04 uoi4a11go /Cue 4no41TM uoi4a10stp a1OS sang „Amu. !mom 044 (E) put 'man a0►n put It1n1d 044 apnput put maw pus maws a41 II! sp1oM (z) `zapua2 aUIUtuia3 04130 sp1oM .10 sp1oM 1a4nau uipuodsa.uoo apnlout pun maw i124s 1apua2 au11n0stui ago 3o sp1oM (I) ;uau'ntlsui 1i1 s144 ut pasn sy •uoisino1d 8u'10tpuo0 044 ino4l1M mama uan42 aq uto 4014M a40M 044 10 4uaunu1sul 11un0as 5144 3o Suoistnold 10440 ;00332 1011 Epp 40tiJuo0 40ns OS s 5 7 6 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. BBAT -05 at (9905) Page 12 of 15 Initials: IF 0101064186 Form 3051 3/99 661£ 690£ Wi0d 9811901010 s�eil!UI EL 10 EL e8ed (so66) (AM)V9l /r g •2utuxoAM jo snnul uol ;dwaxa pna ;sauiog aq3 jo an;,iin /(q pun .zapun s ;q i lln soArem pun sasuolaa aannoaaog •saanleM "pt marl aignoliddy .tapun pou!waad sI aaj amp 2upugo ay; pun paw= saoinaas ao3 kind palm u o; mud s! aaj ag; 3E /quo ;nq ;uauina ;sui Mantas slg3 5u!sualaa aoJ aaj n aomoaaog amp /Cum aapua? s ;sot uoi ;upaooaa iiuu ,Cud Hugs aanAouog ;uauina ;sul ,t;unoas sip; asnalaa Bugs aapua-I ;uauina ;sul X;unoas sigl /Cg paanoas sums Hy jo ;uauc,Cnd uodn •asealag •£Z o; pal ;i ;ua ,Ciie2ai suosaad ao uosaad ay; o; ssaaxa ,fue (a) pug :;uauna;sul ,f ;ianaas sly; fq paanaas suns lie o; (q) :saaj ,sBauaoiu algguosuaa pa;Iwil ;ou ;nq luipnlaui 'ales ay; 3o sasuadxa lie o; (g) maim) 2uintoiioJ ay; ui palidde aq Heys ales ay; 3o spaaaoad ayZ •aies Aug ;e Aiaadoad ay; aseyaand Agin aauaisap s ;i ao aapuarl 'meg algeai;ddy fq pagiaasaad uauuew ay; ui pios aq Heys ,C;aadoad ay; pug 'ales 3o aai ;ou ay; yspgnd Heys aapua -I •Si uox ;aas uI papinoad aauugw ay; ui uantoaaog o; ales ay; jo aal ;ou ani2 Hugs aapua' M11' alquaiiddy y;i% aaugpaoaae u; ';uaaa33lp 3I 'A;aadoad ay; 3o uolssassod uI uosaad ay; o; pug aan►oaaog o; asolaaao; o; ;ua ;u; JO aai;ou ani3 pugs aapuarl 'alga JO aaMod ay; salonui aapuarl 3I •aauapina al;i; Jo s;soa pug saaj ,s,fauao; ;e algguoseaa 'o; palim' ;ou ;nq luipnpui 'ZZ uo; ;aas sly; ui papinoad saipawau ay; 2uinsand ui paaanaui sasuadxa He ;aalioa o; mum aq Heys aapua] .Aturi aiquapddy ,fq pa3;ivaad salpawaa aay ;o Aug pug gigs 3o aantod ay; anonul Auto pug pugwap aay ;an; ;noy ;IM ;uauna ;sul ,f ;ianaas sly; Aq pampas suns lig 3o Ilni ui ;uatuAnd a ;uipawwi aainbaa ,cum uoi ;do s ;i ;e aapuai 'aai ;ou ay; ui pagiaads amp ay; aaojaq ao uo paana ;ou si ;IngJap ay; 3I •ales pug uol ;eaaiaaag o; aamoaaog ;o asuaJap aay ;o Aug ao ;In1Jap e Jo aaua;sixa -uou ay; passe o; uoi3ae puma g Suiaq o; ;Oa ay; pug uoi; gaaiaaag as ;3e a ;e ;suiaa o; ;Oa ay; Jo aamoaaog uaoJui aay ;an3 hays aai;ou ayd •,i;aadoad ay; Jo ales pug ;uauna;sul ,f ;ianaas s►y3 ,fq paanaas scans ay; 3o uol ;gaaiaaag ui ;lnsaa few aai ;ou ay; ui pa jlaads alep ay; aao ;aq ao uo ;Ingjap ay; aana o; amine; ;gy; (p) pug !paana aq ;snw 31n1Jap ay; yaiyMn Ay 'aan►oaaog o; uanl2 sI aai;ou ay; am ay; tutu,; s,Cgp 0£ ugy; ssal ;ou 'a ;gp g (a) :;ineJap ay; aana o; paambaa uoi ;ag ay; (q) :;lneJap ay; (e) :A31aads Heys aal;ou ayZ •(asimaay ;o sapinoud Mtgrl aiyeayddv ssalun gl uoi ;aas aapun uo; ;gaaiaaae o; .loud ;ou ;nq) 3uawna;sul A;Ianaas sly; u; ;uauaaa2g ao ;uguanoa ,fug 3o yagaaq s,aan+oaaog 2UIMMopt3 uoi ;gaaiaaag o; aoiad aamoaaog o; aal ;ou Heys aapuarl •saipatuag :uol;eaalaaay 'ZZ :smoiioj su aaa8u puu ;uuuanoo aaglan3 aapuaq pun aamoaaog 'SINYNgAOO LARIOIINfl c)9 q0 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: BBAT -05 CD-6A(NY)0905) Page 14 of 15 578 i*O W "`^'v'u (Seal) Robert Bradford Regli Borrower (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower 0101064186 Form 3051 3/99 661E LSOE WJOJ Sl JO SL e6ed (so66) (AM)V9= siei11ui 9811901010 SO -IVES :ss £lunoD I f s Z 00 `Z i(i nzgad :saudxg uotsstututo3 SIN 0ft9_ld AW10N TT$au paojpvag 3 iagog Aci 000Z `aunt Jo Cup 3s 1 sttil ow aiojaq paSpaimourt sum luautnmut 5uto3aaoJ au uToou!Z `OAIIJA OAM 3O aivis "(PI' 08/01/00 10;49 FAX GREENPOINT 21010 Exhbt ri A" 5 6'0 A portion of the NWUNW' (Lot 4) of Section 3, T32N R119W of the 6th P.M., Lincoln county, Wyoming, being more particularly described as follows; $eginning at the Northwest corner of, id Section 3 and running thence 8 89°68 E along the North line of said Section 3, 101.55 feet; thence South 221.73 feet; thence East 42.00 feet, thence South 165.58 feet; thence East 313.95 feet to the Taut line of a parcel of land described in Book 158PR on page 518 of records'of Lincoln County Clerk; thence 6 0°09'19" s, 559-81 feet to the Southeast corner of the land deacribed herein, thane Wsat, along the South lime of said land, 463.44 feet to the West line of said Section 3; thence N 0 g, along last said lisle, 947.16 feet to the point of beginning.