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HomeMy WebLinkAbout86568811 11 1 11 1 1 `['cz'D '100%1 NO,L1d dNV1 SOS AVf Jo ssazppg agl sgg 110igM dORIIdH IIIVd V HCIVIN QNV O,Ld2IdH U HOVJJ V NOI LdI2IOSd I IV DTI :8uiuzoAM `,iluno0 N'IOONI1 ui paigool Aizadozd paquosap 8 uimoilo3 agi `gigs jo aamod giiM `aapual of 'co /woo pug iuea `a8g2iaouz Agazaq saop zamo.i.zog `asodmd sigi .iog gioN am pug ivaUnuisul '(!!.moos sigi aapun manmade pug siuguanoo s,.iaMO.uog 3o aouguuojaad aui (o) pug :luaumlisul 'iiiznoas sigi jo Aiiznoas aui ioaioid of L gdgagigd iapun paouenpe `lsaialui gi!M `sums zagio Iig jo luauiAud aui (q) `aioN aui jo suoiigogipouz pug suoisuaixa `s]gMauai im pug `isaiaiui glint `aloN agi ,(q paOUapina igap agi jo ivauzAudai agi (g) :iapual 01 somas luaumaisul AlunoaS slta 0£OZ I Aviv uo aiquicgd pug anp `iat]aea pied lou 3i 'Nap um agi giim `sluauz,(gd ,ilzliuouz 10j sapinoad gown „aioN zuazunzisul Aiunoag my se amp awes am pomp aiou s,aamozxog Act paouapina si Nap sna 00 •S'f1) sre]Ioa jo ums Iedzouud agi aapua-I samo Jamonog „iapuai„) 898Z6 VD `HONVUIO `QVO2I A2I LNf1O0 NMO.L 00I i st ssaippg asogm pug ammrioQ jo alg1S agi jo sMel aui lapun 2uilsixa pug paz!Uegio si go!gm si ao21Slzouz aq j 7:11:17i 1113>i `s r r r,1 I .I 1 r 1u v1 03i\1333 11 N „ssaiPPV Xuadoid.,) [apoD d?Z] E1 VD1IO11 [ma 2ufpaoaag aog awl s(q i, aeogy goods] gOVd 2Id xOOg 8, :wpm! 011 (96/8Z/0 IAMO.L 9 to e6ed L6 SWHOd 30%10114OW dWA /ZL 1.0 1£0176) (AM)H9- 06/6 LSOC WJod 1N3WfiHLSNI IN 0 lNfi 01A111d /VWNd 9 1 6 u!S ONIINOAM 011E8 £8 2uzuzoI(M 00I /ou pue Lii ;td pazpunH uanaS pugsnogs dilauiN ANNdIAIO3 HOVD,LlIOY`\] HDddg DNO'I of uan15 8! luauzzuisui *moos snj „.1amoiaog NOS2Igd QgI2I2IV!AI gNI LNg IVA •g 1 IdHO2i 0002 IZ [izdy uo uani sz („luauznlisul'SiunoaS dDVDL2IOY•I SIH.L LS£0£ NVO'I I I LZ6 VD `NNV VIN'S 06tI I XO I 'O'd ANVdNIOD dDNDfIOIN HOVdg DNO'I :01 Hum `papiooai uagM 6H(WY) (9403).o1 TDWY2 (11/18/94) Page 2 of 6 228 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, 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 or take one or more of the actions set forth above within 10 days of the giving of notice. Form 3051 9 0 Initials: Loan No. 8820656- 0 57 MIS 9S90Z88 •oN ueoi Y/ :siemul olT /b LSOE Wl0 j 9 !O E a6ed (V6/81/11) AMC!! f 1.01EOV6) (AM)H9-■ anzasaz ssol •aougznsut a8g8uotu ;o nau ut anzasaz ssol g su swam/Cud asagi utuiaz pug asn '1d0oou u!M zapuaI •foa; ;a ut aq of pasgao .10 pasdui aguzanoo 0ougznsut aril uagM zamozzog ,iq mud Sutaq =tumid aouminsut ageguouz Apra( ail ;o g1jiaMi -auo of ignba funs u gluon tpua zapual of 'Cyr' hugs zamozzog `aiquitmne lot st aSgzanoo aauuznsut agg8lzotz luatmntnba ATTgtlugisgns 3I •zapua7 Xq panozddd zaznsut agalzour afmuaaltg uu wag loa; ;a ut ,iIsnotnazd aouemsut ag8uofu ail ;o zamoz10g of lsoo 0111 of fuaientnba Almturmisgns moo m im loa; ;a ut iiisnotnazd aougznsut argil= 011i o1 luaientnba Alletluefsgns agmzanoo uteigo of pai!nbaz stintutaid 0111 ,imd hu zamouog loa; ;a ut aq o1 sasuao JO sasdei zapua7 ,i paitnbaz aguzanoo aougznsut a2u2uouz agf `uosmaz Aug zo; `;i 'loa; ;a ut aouuznsut aguguoti 0111 utglutuuz of pazinbaz sutntuiaid 0111 ,cud Bu zaMOZZOg `luauttulsui M!1noas sup pamoas mot am $upiuui ;o uotltpuoo e SE aouminsut aguSuoui pal zapuaj 31 •aoueunsui age8;.zoyti •g luaulAud 8utlsanbaz zamonog of zapua -i utoz; aotlou uodn 'ma'am g1it `alqu,Cud aq uegs pug alga afoN afn le luauzaszngstp ;o amp am wag maim! nag Timis sumo= asagi `matu,igd ;o suual zagfo of 00z2u zapua-i pug zaMOIJOg ssalun •fuamn.i sui 'iltznoas sun ,iq pamoas zamozzog ;o igap lguotitppg auuooaq jr ugs L gdgzgumgd stip zapun zapual ,iq paszngstp siunouig ,fud •os op of angt JOU saop zapuaj `L gduzguzud sup zapun uouou 'Cgui zapual ggnot lid 'sztgdaz algti of Auadozd 0111 uo 8uuaiva pug saa; ,s,Cauuoug aigguosuaz gut,(gd 'moo ut guugaddg luauinulsui Aitmoas suit zano Aluoud suq tptgM uatT g ,iq pamoas sums Aug gut,ied 0pnput Amu suotlog s,zapuaj A1.1adozd am ut mg!' s;zapua-I pug ,ivadozd am ;o anion agf Ioalozd of £i ssaoau st zanalmJM zo; Xmd pug op /Cuui zapua7 uagf `(suoufein2az zo smog! aozo ;ua of JO Oitupjzo; JO uotluuuiapuoo zoj `alugozd `,Coldnqueq ut 8utpaaoozd g sg lions) ,ivadozd alp ut sig8tz s,zapual pang Xiluuogtu8ts Amu legs 8utpaaoozd Taal g st azag; zo `luaumzisui iiitmoas stip ut pautgluoo sfuamaaIgg pue slueuanoa am fuuo;zad of situ; zaMOZZOg ;i •,f;.Iadoad alp ui s ;g8cg mapuari Jo uo! ;aa ;oad 'L •8utit1M ut JORIOUI ail of saaz$g zapuari ssalun IOU Timis aim aa; ail pug piogasgai agf `/ivadozd agi of aim aaj saztnbou zaMOfl0H ;i am! ail ;o suotstnozd ail lim q i& Aldwoo hugs zaMOZZOH `plogasuai e uo st luaumzlsui Alunoag stgi 3I •aouaptsaz imdtouud m sg Atiadozd ail ;o ,iouudn000 s,zamozzog gutuiaouoo suotlgluasazdaz 'oi paftuni )ou inq `8utpniout `aioN agi Aq paouaptna two! am gftt uotloauuoo ut (uotluuuo;ut !mama' ,iuu gitM zapua -i aptnozd of pang; zo) zapual of sluauzaluis JO uotluuuo;ut almznoogut zo asig; ,iiiutzaluui anm8 `ssaoozd uotlgotiddu mot ail 8utmp `zamozzog ;t i ng;ap ut aq oslu TTgts zamouog •fsazalut ,Cltznoas s,zapua7 JO fuautnzlsui ,iltmoas stgl ,iq pafuazo uati agi ;o luauutgdutt iutzalgut za1110 zo Suadozd am ut fsazalut s,zamozzog Mil ;o aznfta;zo; sapnpaid `uotigutuualap tue; poo8 s,uapuaj ut Imp 8utitu g gltM passnustp aq of gutpaaoozd z0 WIPE ail 8utsngo ,(q `8T gdez8uzmd ui paptnozd se `almisutaz pug ling;ap g tons auto Amu .amozzog •fsazalut ,iftmoas s,zapuai JO luautnxlsui ,ilunoas St111 Act paw= uatl ail nmdun ,fuetuamm as!MZatlo JO Xuadozd 0111 ;O Ortup;zo; ut iinsaz pinoo luautgpnf qum; poo8 s,zapual ut lmgl ungaq st `Tuututtzo JO Ttnto zaglagM `gutpaaoozd JO uotlou azn4011o; Aug ;t ling;ap ut aq imp zamozzog •,fuadozd 0111 uo aisgM mu moo zo `aigzotzamp of ,fuadozd ail Moue `,(uadozd ail ztuduit JO a8eu p `,f0zfsap lot mugs zamonog •loziuoo s,zamozzog puo,iaq azu gotgM lstxa saouelsfunorto 8utlgnualxa ssalun JO `piaggltM ,iigmuosgazun aq iou Tiggs fuasuoo gotgt `8utiuM ut saaz5g astmzaglo zapuari ssalun `Aouudn000 ;o amp am za13e naA auo isuai lu zo; aouaptsaz ledtouud s,zaMOLIOg sm Alzadozd ail Adn000 of anutiuoo um pug fuaumzlsui A; Stg1 ;o uotlnoaxa ail zalwm s,iup ,Clxts utgitm aouaptsaz Tgdtouud s,zaMOUOg su ,fuadozd agi asn pug `gstiquisa `,idn000 Tiugs zamozzog •spiogasuari ueori ma,Noaaog :Apadoad mil 3o uoipaload pug aaueua;u►ey&l 'uo!;unaasaad ',fauudnaa0 •9 •uotltstnbog ail of zoud ,iiafmtpaunut fuaumufsui ,iitznoas stip pamoas sums ail ;o luaixa ail 01 zapua' of ssed eggs uotltstnbou ail of zotzd Auadoud a p 01 a8gun p uuOZ; ButiJnsaz spaaoozd pug satotiod aougznsut Aug 03 11441 s,zamauoti `lapuaJ Act pautnbog st ,ivadozd am I gduagzmd zapun 3I 'sluatu,imd ail ;o lunotug am agumgo z0 z pug T stdgz8uzgd ut of pazza;az sluaui,Cgd rf1g1uout ail ;o amp anp aqi auodlsod JO pualxa 1ou Hugs Tmdtoutzd 01 spaaoozd ;o uotlgotiddu Aug `8uptim ut aazgg astMZailo zam01z0g pug zapua1 ssalun •uantg Si aotlou ail uagM ut$aq !um potzad'fup -p£ ag,i, •anp uagf 10u zo zaglagM `luatunzlsui Allmon sup Cq pamoas sums ,Ted 01 .10 Auadozd 0141 azoisai z0 ztudaz o1 spaaoozd ail asn ,iuui lapua'1 •spaaoozd aouulnsut agi 10atioo Amu lapua'i uagf `1utgp g alias O1 paza; ;o sgq zatzzgo aoummsut ail iggl zapua-i u1oz3 aotlou m s,iup p£ utgltM zamsuu lot saop JO `,cuadozd 0111 suopugge zaMOJJOH ;i •zamouog of mud ssaoxa Aug gltM `anp uatl 1011 JO zaglagM luau ,Cltznoas sup Iq pamoas stuns ail 01 patiddu aq Hugs spaaoozd aoumznsut 0ql `pauassaj aq pinom'fi s,zapua-i JO aigtsga; ,fueonuouooa lot st ztmdaz z0 uotigzoisaz atl;i •pauassai lot st Mltmoas s,zapua-i pug aigtsga; ,fumotuiouooa st ztgdaz JO mop 1o1saz agf 3t `pagguImp ,fuadoud ail ;o ztudaz z0 uotlmzofsaz 01 patiddg aq Hugs spaaoozd aougznsut `iuuuM ut aazgg astMZa1110 uamozzog pug zapua-i ssalun •zamozzog ,iq ,Cildutoud apmui Iou ;t ssol Jo;oozd aVut Amu zapua-i •zapua- pug zatuzgo aougmsut ag101 aotlou idutozd anti Hugs zamo.uog `ssol ;o mono ail ui •saotlou Tmmauaz pug sutntutazd ptgd ;o sidtaoaz Ilm zapuai of 0ni8 ACildumid !legs zamozzog `saztnbaz zapua-i •slmMauaz pug saTo!Tod am plot of iggu ail aim !Tuts zapuaT •asnejo agu31.10u1 prepumis u apnput iiggs pug zapuai 01 atggidaoom aq hu siumauaz pug satotiod aougznsut TIC' L tdmz8giud mtm aougpz000m ut ,ivadozd ail ut sig8tz s,zapua-i loalozd of a8mzanoo utelgo `uotldo s,zapua7 lg zapua'i `anoge paquosap aggzanoo utglutguu 01 site; uamouog ;i •piaigltM ,ilquuoseazun aq lot Hugs gotgn Tgnozddg s,zapua-i o1 loafgns zamouog ,(q uasogo aq Tiggs aouuznsut agf $utptnozd zap= aoueznsut ags •saztnbaz .apua-i legs spotzad agi zo; pug sumo= am ut pautgfutefu aq Hugs aougznsut sti.L •aougznsut saztnbaz zapua-i totgM .o; `8t11p001J JO sp00T3 gutpniout `spzezgg zaglo Aug pug „a8uzanoo papuafxa„ uual alp utgltM papnput smug `aztj ,iq ssOl isutugg paznsut ,ivadozd ail uo poloaza zai;uazag JO 51.1pstxa MOU s1uauianozduit atl daaaj Hugs zamozuog •03ueansui ,f;.zadoad ao paezeH •S OS AS 2 3 0 payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 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. 6H(WY) (9403).01 TDWY4 (11118/94) Page 4 of 6 Form 30 9/9O Initials: Loan No. 8820656- 03 06 /6'LSOE WJOJ 9590Z88 -oN ueo'j :slemul T Ez 9 to g abed (D6 /gI /I0 sxmai 1.0'1e0176l (AM)H9- o; ales aq; jo aa►lou anl8 ;Tugs aapua7 •Me; alqua►Iddu q ;In+ aauepaoaae up ;uaaa ;JIp 3I ',flaadoad aq; jo uo(ssassod up uosaad aq; o; pull aan%oaaog o; asoi3aao; o; lua;ul ;o aal;ou 3,42 ;legs aapuaZ `ales Jo aa,uod aq; savnu! aapua'I 3I •aauap►na apt; Jo s;soa pull saa3 ,s,fauaolle algeuoseaa 'o; pa;Iwl; lour lug lu(pnlaul `iZ gdeateaed slq; uI paptnoad satpawaa aq; 8u1nsand up paaanaul sasuadxa lie papa o; papllua aq pegs aapua7 'mu; op:m ;ddt /fq pa;;Iwaad sa!pawaa aaq;o /fun pull is jo aantod aq; alonul /ftw put puewap aaq;anj ;nog ;IM luawnalsul ;ian3as spg; £q pumas scans pe jo tin; up maw/fed alu!pawwl aambaa Sum 'uoi ;do s;I ;e 'aapuaZ 'aapou aq; up paliiaads amp aq; aaojaq .10 uo palm lou sI ;nujap aq; 3I .ales pull uopeaa;a33e o; aaMoaaog jo asuajap aaq ;o Rue JO line ;ape 3o aauals ;xa -uou aq; passe o; uol ;all ;ano3 a 8ulaq o; ;Op aq; put uopeaa;aaae as ;,ill alelsuiaa o; ;gala aq; Jo aantoaaog utaojul aaglan3 Hugs aapou aq,L •,flaadoad aq; ,lo ales pull ;uawna;sul ,f;Ianaas split fq paanaas scans aq; 3o uopeaa;aaae uI nnsaa /Cum aapou aq; up pa!Jlaads app aq; aaojaq ao uo ;;nejap aq; aana o; aan;Ie3 ;eq; (p) put :paana aq ;sum lint,;ap aq; gaiq,u fq 'aamoaaog o; uanl8 s! 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a(gEot ;dde sr pouad 1ag10 ions 1o) s/Cup S (g) ;o 001!0110 am 01 loud amp /(U1 1r p3nupuoostp luaumalsui 1!1noaS sup ;o luatU3010Jua 0ngg 01 1112p ail aneg (MS a3M011011 `suotlipuoo 11te1133 slam 1amo11og ;I •alt ;su(ag 01 ;Oig s •g1 1am0°u0g uo puewap 10 0311011 lagun; InogitA ltt3tutulsui /i1un00S spit Aq palltu£ad satpomat ,full a)(onut Arm 10pu3Z `pouad sup Jo uo11e1(dxa ail 01 loud sutras asagl /Cud 01 sire; 10MO11Og ;I •luaumalsul /Clan °aS sup /(q palnoas sums lir /Cud lsnuz 13MO110g g31gnM u!gl(m pall= 10 palan!Iap s( 03(10U am amp aq1 mot; SA!) of uet(l ssa( 1ou ;o pouad r aptnold !re a3p0U aqj •u0(w10l033g ;o a3tlou 13MOJJOH WO !legs 1apu3ri `uo!ldo spit sOs(013X3 ;I •luaumllsul 'ilun3aS sigi ;o amp ail ;o sr mg! ;elapa; /Cq pougigoad sI as13laxa ;I lapua-i /(q paslataxa aq 1ou !legs uo(ldo sup `aanaMOH •luauttulsul AllmonS sup /Cq palnoas stuns ((e ;o jln; u( luaut/ied a1r(patuul( almbat `uopdo s1( 1r 'Arm 1apu07 lu3suo3 ua11uM loud s,lapu3'i lnogl(M (uosaad (rinl1u u 1ou st 13MO110g pUe p3110 ;sue1l .10 p(os s( 13MO°uog up Isamu! !e(3pauaq a p ao) paIa ;suea1 plos s1 1! u( 1sa131u( Aar 10 ,i113dold ail ;o ued ,Cue 10 ire •aattoaaog up ;saaa ;ul ;e10l;auag a ao Ayadoad aq; Jo aajsueay •LI Borrower in the manner provided in paragraph 14. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by applicable law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. 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)] Adjustable Rate Rider I 1 Condominium Rider 1 1 -4 Family Rider Graduated Payment Rider 1 Planned Unit Development Rider 1 Biweekly Payment Rider Balloon Rider 1 Rate Improvement Rider 1 1 Second Home Rider V.A. Rider I 1 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: (Seal) (Seal) Borrower Borrower STATE OF WYOMING, Lincoln The foregoing instrument was acknowledged before me this by Robert E. Valentine and Amy Valentine (person acknowledging) My Commission Expires: January 11, 2004 CD 6 TDWY6(II/ LAURIE McKEE NOTARY MAI COUNTYOF STATE OF LINCOLN i p- WYOMING WY) (9403).01 Page 6 of 6 (Seal) Borrower ROBERT E VALENTINE 232 (Seal) Borrower County ss: No Pub c April 24, 2000 (date) Form 3051 9/90 Loan No. 8820656 -30357 EXHIBIT A Legal Description for Robert E. Valentine 233 Parcel 1 That part of the S1 of Section 14, T31N R119W of the 6th P.M., Lincoln County, Wyoming being part of that tract of record in the Office of the Clerk of Lincoln County in Book 369PR on page 298 being more particularly described as follows: BEGINNING at the southwest comer of the SE'/a of said Section 14; thence N 11°14'32" W, 273.79 feet; thence N 89 °38'44" E, 837.24 feet, along a line parallel with the south line of said SE'A, to the east line of Tract E -1 as depicted on that plat of record in said Office as Plat 94M; thence S 00°12'11" W, 268.88 feet, along an existing north/south fence line, to a point on the south line of said SE thence S 89 °38'44" W, 782.91 feet, along said south line to the comer of beginning. Parcel 2 The right of access as provided for in instrument recorded May 30, 1977 in Book 397PR on page 750 of the records of Lincoln County Clerk.