HomeMy WebLinkAbout86584311
011 0I 0hI llI
IA tD '3aasiS]
1
H hI
Si s aqi
11
9Z8SLSOE09 WV bS :8 00 /80 /SO AMA
„ssa.ippy Alsadosd la'° d ?Z
d0383H 18Vd V 30VIA 0NV 01383H 03HOV11V.NOIldIHOS30 1V931„
:2utuloifrn `Aluno3 N10ON I 1 ui palgooj Apadosd
pagtsosap 2utmojjoj 'ajgs jo samod `sapua-j ifanuoo pug TINA `a2E21soul Agasaq sop samossog `asodsnd
SIq] sod •aloN alp pug luauznslsuj AlunoaS stql sapun sluauraas2g pug s1ueuanoo s,samossog JO aoUEUusOjsad gip
(o) pug :2uaurns2suj AltsnoaS jo £lisnoas loo osd o} L gdgs2gsgd sapun paougnpg `1.sasalui gptm 'stuns saglo
lIE
jo luau Avd (q) :aloN ;o suop.gotjipouz pug suotsuapxa `sjgmauas nu pug `2sasal.ul g.!M 'al.oN QT. paouaptna
Tgap aq1 jo ivatuAgdas aTT1 (g) :sapuarj sasnoas Altsnoag sq OZOZ L0 3Nf1f
uo ajggAgd pug anp 'satjsga pied 1ou 3T `1.gap jjnj qi.t■ `s2uauriigd Ajq ;uoul soj saptnosd goigm „aaoN luauznslsui
AitanoaS gigp gums alp palgp alou S,SOMOSSOH paouaptna st 1.gap stq j 00 009 EL s n) ssgjjou
00 1. /00 ONV 0380Nf1H XIS ONVSfOH± 3a8H1 AIN2A3S
jo urns jgdrouisd sapul sank() samossog „sapua-j
L60L —LEVQ9 NW 'NOl9NIW0018 `000L# 3AI80 831N3O NVIANON 00E8 sissasppg
OSO4M pug VO 183WV dO S3IV1S 031 I Nfl 3H1 Io amyl age sapun ;tugstxa pug paziug2io st goiTTM
9Z88L9lE09 NV01
V N VO I 82111 dO )INVB uan1S Si TuaulnsTsuj �i�un° S siq „samossog
0002 "OL AVW
a -DV91110W
[visa 8urpaoaag and QUfl Sflil anogJ aaeds]
`1 C F aDVd 11(1 7,}IOOB
S33VIalt►1i ii177, 10a9 33S
eta taolAI s►qJ,
i1
4® si7sI 110
9 +o L '6'd
L6ZL-LZ5(008) SW11O4 3DVD.L IOW dWA
£6/ &l Mum)/ L o1£o*6 (AM)H9 —lerp
06/6 1.50£ WJ01 1N3INMLLSNI
W11031N0 anvil alppeij /esyy eluue3 _AIiuej a1
L0lE8 21.1tUI0AM
H3H3VW43)I '3A180 01 a 130 9081 JO ssasppe OM. SETT VITA
11081A 'M IlSI8)i ONV 1I0dIA °1 N38
uo uant2 Si „Tuauzns�suj Aiunogs„) HOVD.L2IO1A1 SIH,L
99ZZE 1d 311 I ANOS)IOVf
'1d30 1d13038 211d "O0L 0018
aA18 30 I SH1flOS 0006
VOI83wV dO )INV8
DN I S01O ISOd 311 I ANOS)IOVf
LO—L0-00L-61d
9Z89L9t7E09 NV01
:01 N8(1138 GNV AS
N0I±V080038 80d 03111W8fS
OS 4idj4:3 516
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 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.
4 6H(W)lca4o3l.ot CVWY 05/08/00 8:54 AM 6034575826 Page 2 of 8
Form 3051 9/90
Initials:G�� X v
06/6 150f WJOJ
g 6 eisd
9Z85LSOE09 AV b5 :8 00/80/50 AMAX to•ceo>eo (AM)H9 -1010
'paiTnbas aq Jaguoj ou AEw SluatuAEd aAJOSaJ SSO'j •azuesnsut a201Joui jo nog ut aAJOSOJ SSOj E SE STUOLU BEd
asagl utelaJ pue asn `ldaooE IT Japua'j •loajja uT aq o; paseao Jo pasdej agEJaAOO aouEJnsut alp uaw a JaMOJJOg Aq pied
2utaq tunttuasd oouEJnsui aESlJOtu AjivoA ag1 jo gZjjaM }_auo oZ jenba tuns a gluotu goes Japua'j OZ £ed Hugs JOMOJJOg
'ajgEj}EAE loll st oguJanoo aouEJnsut oSeglJOtu luajentnba Ajjer welsgns jj •sapua'j Aq panoJdde sasnsut ageglsotu
a1EUJalTe UE tuoJj 'loon° ui A1SROIAaJd aoueinsui a2e51Jotu atp jo JaMOJJOg 01. ZSOO 0111 OZ luaTeATnba iiJJEiluelsgns
1soo g ZE `ZOajja ut SJSROTAaJd aouesnsuT 02E51J0LU acl 01. TuajeATnba AjjetluelsgnS aEJOAOO uTE1go o1 paJTnbai stunTw Jd
agl Aed Hugs JO/WO-1.10a 'loajja ui aq OZ Saseoo Jo sasdej Japua'j tiq pa.Tnbai 02EJ0A0o aOUEJnsut affe21.1o1u 0111 `uosEai
Jiue Joj `jj pang ui aOUeJnsu! age ag1. uiE1.UIELU OZ pasTnbaJ stunituaJd alp pied jjEgs S0M03sog '1UatunJlsuj Alpnoas
sjgl ,iq pasnoas ueoj alp Suplew jo uojlTpuoo E sE aougsnsui o2e2pouT pastnbai Japua'j jj •OOuEJnsui a$eglsoysj •g
•ZuatuAed 2uilsanbai
JamoiJOg of Japua tuoJj aojlou uodn `lsasalut tpTAI `ajgeAEd aq Hells pug ales al0N alp le luatuassngsip jo 01ep 0111 tuoJj
lsasalui Jeaq Hugs slunotue asagl `luatu,ied jo stusal saglo o1 ooiffe Japua'j pue JO/WO-1.10a ssajun •luatunslsuj Alunoos
sTtp Aq pampas JaMOJJOg jo lgap jeuotltpps atuooaq Hugs L gdeJ5eJed sTgl Japun Japua'j Aq passngstp slunotue Auy
•os op of aneg loll Saop Japua'j `L tjdeJ2Eaed sttjl Japun uotloe AEtu Japua'j gSnogljy
'sJTgdaJ a)j ?W o1 £2JadoJd acl uo gupalua pue saaj ,sicousollg ajgeuosgaJ 2ui,ied '1Jnoo ut 2u }JeaddE'luatun4suj Alunoas
ST42 JOAO'ZTJOTJd SEq goitqM uaij paJnoos stuns AuE 2ul1Ed apnJOUT AEtu SuoIIOE mapua'j •AlJadoJd agl ui sltOTJ
mapua'j pue AlJadoJd alp jo amen atjl loalosd 01 Asess0o0u sT Janale4M Joj Sd pug op iietu Japua'j uagl '(suotlejn2aJ
.10 SMej aoJOjua 02 .10 asnitaJJOj Jo uotleuu puoo Joj 'alegoJd `&oldnJlugq ut Sutpaaoosd E se Bons) ,ilJadoJd
atjl uj slg2TJ s,Japua'j loajjy AjlueoTjiu2is Stu 2942 2utpaaoosd Tao' a St aJagl Jo `luatun4lsuj Aljsnoas STg1 ut pauieluoo
SluatuaaJ2e pue S1.1.1e1.10n0O agl tuiojsad OZ Sjtej JamoJJOg jj •Alsadosd am U! Slgaig 9 JO u0i1.3010sd •L
•2Ui1!JM LIT Jo2Jatu atp 02 saaJSE Japua'j ssa[Un a2J01U loll Hugs ajljl aaj all pug pjogasgaj aql 'AlsadoJd aq1
O1
app aaj saJmboe JaMOJJOq jj •aseaj 0111 jo suoTsiAOJd agl Tie gl!M Ajdtuoo jjegs JaMOJJOg `pjogaseaj a uo si luatuaJlsuj
i 2iJnoas sjgl jj •aouaptsaJ jediouiJd E se Alsadosd ag1 jo AouBdn000 S,J0A0JJ0 2u1UJaouoo suoi2EluasasdaJ '02 paltuuTJ
loU 1nq Tuipnjour `aloN ag1 iiq paouop!na u9oj alp TIM uoTloauuoo ui (uoil9wJojui jepaletu Japua'j apinosd
OZ pajTEj JO) Japua'j 01 S2U0tu01.E19 JO uopeuuOjuT alestio EUT .10 asjej ATtepoletu aAeg `ss )OJd uoilgotjdde ueoj aql
2uunp `JOMOJJOH ji ljnejap ut oq Osje 'legs JOMOJJOH •1saJa4ui Iilisnoas s,JOpua'j .10 luatunJlsuj iiliJnoas sigl Aq paleaJo
uOTJ agl jo luattuTEdtuT TE!JaleLU Jatjlo JO A2J0d0Jd 0111 UT ZsasaluT s,Jam0JJ0a OM JO aJnliaJJOj sapnjoasd 'uopeuT UJalap
gltej poo5 s,JapuO'j ui 'ZEgI Suijni E gpiM passitusip aq o1 2uipaaoosd .10 uogoe a111 2uTSn90 At 'gj gd9aESed
ui papiAoJd se 'a2Elsu1QJ pug ljnejap a 4OnS aJno iigtu JOMOJJOg •lsaJalui £lTJnoas S,Japua-j .10 luatunJlsuj 'il!Jnoas
sttp Aq paluoJO uaij act JTeduJT ,ijjg!Jaletu OSTMSa4IO .10 iil.adoJd acl j0 aJnliajJOj ui ZjnSOJ moo luatu2pnf 11ltej pO0
S Japua'j ui lap un2aq ST `JEUTLUTJO JO juATO fallow TuipaaooJd .10 uo!loe aJnliajJOj Aug jt ljnejap UI aq Hells JaMOJSOg
�ils adoJd 0111 uo als9M litutuoo .10 'al9JOiJalap of AZJadoJd alp moue `IilJadoJd alp Jiedtui .10 a5EUTep `AoJlsap loll jjegs
.10.M.OJJ0q 10J11100 S,J9MOJJO[ puO,iaq 0.19 11014M 2570 S9OUe1sumoJTO Su!2Enualxa ssajun .10 `pjaggliM £jgguossaJun aq 1
jjEgs Zuasuoo coigns Tut2iJM u! S0QJ2e asIMJatjlo Japua'j ssajun `Aouedn000 jo a1Ep atjl Jalj9 Jemi auo 1sE0j Zg Joj aouaptsaJ
jsdiouud s,saMOSSoa se AlJadoJd act Adn000 02 anuiluoo jjegs pue luatunJisuj ,il!Jnoas stgl jo uotlnoaxa agl Jalje
s,fep iilxjs uTtjltM aouaptsaJ jedtou!Jd S,J0MOJJOg se AlJadosd atjl osn pug 'gs►jgels0 ',idn000 Hugs JaMOJJOg •spjogasea'j
:uoileoijddy nso'i S,JOMOSSOg :AlsadoJd alp jo uotloalo1d pus aoueualujej^j `U0I2 AJOSOJd `AousdnooO '9
•uotltsinbDE atpl 02 mud iijaletpatutui luatunJlsuj AAIJnoas sttjl
Aq pasnoas stuns alp jo lualxa atjl OZ Japua'j o1 ssed Begs uotlis!nboe 0112 of Joud AlJadoJd 9112 02 aSewup tuoJj 2u►ljns9J
spaaoosd pug saioujod aouRJnsu1 Jfue 02 2g2TJ S,J9MOJJOJ `Japua'j ,fq p9JTnboe s! AlJadosd act It gdeJ8EJEd Japun jj
'sluatuAed agl jo lunoure act 02UE110 Jo Z pus j sgdeJ2eJEd ui OZ paJJaj9J slu9w sd Ajtjluotu aql jo ovep anp alp auodlsod
JO pualxa IOU Hells jediouud o1 spaaoosd jo uoileotjdde Aug `iui2iJM ui 33.129 asIMJatpo J0m0JJOH pue Japua'j ssajun
•uan12 sT aoTlou acl uat4M uigaq
jj!M pouad'CEp_p£ 091 anp uatjl loll so J041agM `luauinJlsuj Iil1Jnoas sitjl dq pasnoas stuns Awl o1 .10 AlJadoJd alp aJO1saJ
so JTedas OZ spaaoosd 942 asn ti9tu Japua'j •spaaoosd aou9Jnsut alp loajjoo ,ieLU JOpuoi uacl 'UImmjo a ajllas OZ paJajjo
sat JOTJJEO OOUEJnSUi agl Imp Japua'j tuoJj aOilou E Sk9p 0£ uT4ITM JOMSUE 20U Saop JO `ii2J0d0Jd 0111 SUOpuegg J9MOJJOg
jj •J9M0JJ0g 02 pied ssagxa Niue 11ZIM `anp uatp 1OU .10 JaglagM `luatufJlsuj JiliJnoas sttjl ,iq pasnoas stuns 942 02 patjdd&
aq jjEgs spaaoosd aoueJnsut 9112 `pauassaj oq pjnoM'C2!Jnoas S,sapua'j .10 ajgtseaj iijjgottuouooa 10U ST JtedaJ .10 UOt1.9JO1.SOJ
gip jj •pauassaj loU si Jilpnoas S,Japua'j pue ajgiseaj IijjeoTtuouooa Si JTedaJ Jo uo11EJols3J atjl ji `paietu9p 1i2Jadoad ag1 jo
J TEdaJ .10 UOT1EJOISOJ 02 paijdde oq Hells sp0000id OoUEJnSU1'Sut1ppM UT aasge aSTMJa4IO J0M0JJOg pue Japua'j ssajun
•JaMOJJOg Aq ,ijldtuosd °pew 1OU ji ssoj jo joosd alEtu Aeul Japua'j •Japua'j pue JOTJJEO aouRJnsut
alp O1 aorlou ldtuoJd sniff Hells JOMOJJOH `ssoj jo Juana 0112 ui •saoTlou JEMauOJ puE stunTtuaJd pigd jo sldiaoaJ jje Japua'j
of 0AT2 iijldWOJd HMIS JOMOJJOH 'sOJtnbOJ Japua'j jj •Sj9Mau0J pus satotjod atjl pjoq of 2u2TJ acl 9A94 jjegs Japua'j
•0SREJO o2e21J0Ut plepuels E apnjoui wells pue Japua'j 01 ajq?ld9OOE oq !legs slEMauwJ pug SaTOTjod aOUEJRSUT
L gd9JSeJed
tjl!M 9OUEpJ000e UT JilJadOJd alp ui S1g21J S,Japua'j lOalOJd OZ aEJ9AOO u1Elg0 'uOildO S,Japua'j ZE 'tiEtu Jopua'j 'anoge
pagiJosap a9Janoo utelutetu o1 Sjtej JaMOJJOg jj pjaggltM AjgeuosEaJUn oq loU Hugs gott4M jenoJdde s,Japua'j of loafgns
J aMOJJOg tCq =soup aq netts aoURJnsu1 0111 2utp►AoJd JauJeo aouSJnsuT ag,j, •saJinbOJ Japua'j lap Spo!Jad all Joj pue
S1un0LUE agl ui pauTElUTetu oq Hugs OouEJnSUT STg j 'aOUEJnsUI SOJlnbOJ Japua'j gOt11M JOj 'gutpoojj .10 spoojj $utpnjoui
`SpJEZe11 Jatjlo Aug pue „ag9Jan09 papualxa„ tuJal ag1 uigliA papnjoui spJez9g `aJij Aq ssoj lsuie2u paJnsui ,ilsadoJd 042
uo pa2OaJa J01JEOJ011 JO 2U!ISTXa MOU S2UOLUaAOJdLUi 042 dog)! Hugs J9M0JJOH •OOURJnSUi [i1J0d0Jd JO p19ZE1 •S
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
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.
Cirt 6H(WY) (9403).01 CVWY 05/08/00 8:54 AM 6034575826 P 4 of 6
Form 3051 9/90
Initials:
06/6 LSOE WiOA
61
9 io g •6id
9Z8SLSt O9 VW VS:8 00 /80 /S0 AMAX to•cso05)(AM)H9 —tIZ
jo sasuadxa jje o; (s) :sapso Su!Mojjoj aq; uT paijdds aq Hugs ajss aq; jo spaaoosd au, •ajes tiue ;e tf;sadosd ag;
asegoind deter aauStsap s2T so sapua mej ajgeoTjdde Aq paquosasd sauustu 0142 uT pjos oq jjegs A;sadosd age
pus `ajes jo ao!;ou 0142 gsTjgnd jjegs sapua-j yj gdssSessd ut pap!AOSd 30uueur 0142 uT samossog o; Ups 0142 jo
aot2ou an!S Hugs sapua-I •mej ajgeoijdde '2p& aoueps000s uT `;uasajjTp jT `A;3adosd aq; jo uOTSSassod uT uossad
aq; o; pus samossog 01 as01303Oj 011UOVUT JO 039OU aATS Hugs sapuoi `ajsS JO samod 0142 sa)JOAU! sapua-I jI
•Oouappto aim jo s;so3 pus ssaj ,sAauso ;e ajgsuossa3 `o; pa ;Turij 2ou;nq `Sutpnjoun `jZ
gdesSessd siq; uT paptnosd satpauras aq; Suinssnd uT passnou! sasuadxa Tie 2oajjoo o; pajmua aq 'legs sapua-I
mej ajgeoijdde Aq pa2;Tuuad somotuas sag ;o due pue ajss jo samod aq2 a)jonui dear pun pueurap sad ;snj
;nod ;Tm 2uaurns2sul d;unoos STq; Aq pasnoas suuns jje jo jjnj uT ;uotuAed a ;eipaururi asinbas Asti `uoi ;do
s2! ;e `sapuoi `ao! ;ou aq; ui pa!JTOOds wimp aq; asojaq so uo pasno ;ou sT 2jnsjap aq; ji •ajss pus uoT;esajaoos
o; samossog jo asuajap sag ;o Aug so ;jnsjap a jo aoua;STxa -uou aq; TJOSSE O; UOT ;OS ;sno3 a Suisq o; ;gSts
0142 pue uoT ;esajaooe ions a;s2sura3 o Tipp ag; jo samossog ur.ojul Jam2snj jjegs aOT2ou aql, Aisadosd 0142
jo ajes pus ;uaurn32sul d ;Tsnoos S q; Aq po inoas sums aq; jo uo!;ssaja3OS uT ;jnsas Amu aoI;ou ag; ut pa!;Toads
a;ep aq; asojaq so uo ;jnejap aq; asno o; a1njTej ;eq; (p) pus :pomp aq ;snur 2jnejap aq; go!gm Aq `samossog
o; uant2 sT OOi2ou ag; a2ep aq; tuoJj stfep of usq; ssaj you `31.ep a (o) :;jnejap ag; asno o; pa.inbas uo1 ;os
0142 (q) :;jnejap aq; (e) :tfJTOads Hugs aon;ou aqJ •(as1msaq ;o sapiAosd mej ajgeonjdde ssdjun Li gdesSessd sapun
not ;esaja3Oe o; soisd tou ;nq) 2uatuns;sul tf;Tsnoas sTq; uT ;uatuaaJSe so ;ueuanoO Aus jo gosoiq s,samossog
SUTmojjoj UOT2e301333 o; soisd samossog 0; 00T20U OATS TIMIS sOpua •s3tpaurag `.uoT ;esaja3Oy •jz
:smolioj SE arise pue 2ueuanoO s3423nj 3apu3'1 pue samossog 'S.LNYNJAO0 I' TOdINf1 -NON
•uo12oolosd je1uatuuos!Aua so ti ;ajes Veal o; a2Ejas lap pa2EOol si ti23adoJd
3142 3104M UOt2OIpSI3nf 3142 j0 SMej pUE SMej JE33p3j SuE3t11 „Meg TE2u3UJUO3TAua„ `()Z gdeige3Ed S142 Ut p3Sn Sy •SJEiJa2Etu
0Ai2OE0ipE3 pUE `3pti4apjeuuoj so so1s3gse 2UtUIe2U00 Sjeu02etu `s;UanjoS aj11eloA `Sap1oTgJoq pus sap1ot ;sad oIxo2
`s;onpo3d tunajo32ad o1xo2 so ajgetutuejj Jagmo `3u0so. `auijoseS :s3oue2sgns 2u1mojjoj 042 pue ME'I je;Uatuuostnug Aq
soou8 ;sgns snop3EZeq Jo 31x02 sE pouij3p soowelsgns 3SO42 3se „s3ouE2sgns SnOpseZeH„ `ot gdeAued Sig; ui paSn Sy
'Mel je2U3tuu03TAUg 421M oouEps0ooe UI Su0i238 1Etpoula3 tiJesS3O3u jje 3)JE2 ij ;dAI03d Hugs sam0330g `LiBss3o3u
Si ti ;3adoJd aq2 SUi2O0jje aounsgns Sn0p3EZEH Atm j0 u012EIpaula3 10 42 0 30 jenotu03 tfte mil `ti21so42ne tiso2EjnSa3
30 TE1U0t11U30A0g Aug Aq p01j120u S1 .10 'sum! 3aMO33Og jI 'OSpopeoul pure SE4 3aMO330g 4014M j0 /AEI jE2u0tuuO31AUFI
So oouw sgns SnOp3EZEH Aug puE ti2sodosd aq2 Suinjonui Ailed o2eniud s0 tiouoSE LIo2Ejn8as 30 j82U3t11US0AOS tiUE
Aq uolp8 30 42 0 10 2inSMej `puetuop urtej0 'uol2BSi2soAui Cu te jo ao!2ou UO2;TSM 33pu3rl an15 tijldtuosd jjegs 33MOSSOg
•tf1JodoJd 042 j0 3oueua ;UIeui O; p1J8 8080 jei ;uap1Sa3 jEtuJOU O; a ;E!Jd03ddE
oq o; p3ztu2ooas AjjesouoS a3E 2e42 saouolsgns SnopsezEH jo sat2T2u8nb Hews jo A2sadosd 042 uo aSe3O2s so `asn
`oouosaid 042 01 tijdde 2ou jjegs Saou02UOS oM2 SuipOoOJd ag j •ME'I je1u0tuuostnug tiuE jo uot;ejotn uT si 2eg2 ti233doJd age
2ui20ajje 2ui42tfu8 `op 0; asp 0uotiue moue sou 'op 20U Hells saMOSSOg •ti2s0cI0sd 342 uT 3o uo saouE2sgng snopsezef 1111E
jo aseajas so `aSeso2s `jesodstp `asn `aouasasd 042 2Ttusad 3o asneO 2ou Hulls samossog •saoue;sgns Snopssz8H •0z
'MEj 0jg8otjdde £q paiinba3 UOt2EtuJOjut.10420 titm UIe2UOO OSJE 'um 0O120u 041
•apetu aq pjnogs s1uotutied 1 14M 01 ss03ppe 042 puE 300insas ueol Mau ag2 jo ssasppe pue atueu age a2e2s !pm 3012011 ag I
•mej ajg8otjdd8 pUE OAoge bj gd835EJEd 421M 00ueps000E UI 0211840 041 j0 3o120u Ua;;i3m u0AI2 aq jjpM .OMO33Og `30OIAJOs
UEO'I 042 j0 aU840 E SI 03042 jl '02oN alp j0 0188 E 0; pa;Eja.IUn =OOFASos u80J a142 j0 S3Slmio 030111 .10 QUO oq tf8W OSte
31041, •;uatun32SUI tf2un00S Si42 puE 02oN a4; sapun anp sitioul Ted tijg2uotu s ;oajjoo ;E4; „JOOTAS0S u80'L 042 se umou)l)
041 uT 02u8140 a u ;jnsas tietu ajes v •saM3s
Oog 02 00120U soud ;nog2TM sotui2 03otu 3o ouo Nos oq Autu (;uaurns ;sul
�i2T3n00s 9142 42!M J3410 a;oN 042 u!1.5313111! TET ;sad 8 30 010N 041 •J3 AJ3S 'nog jo aSus1D `.a1oN jo aj8S -6i
•L1 gd8SSEJEd 3OpUn u01281310008 j0 0SE0 a4; ui 1 Jdd8 20u !Tugs 0282SU13s 02 242u 814; `3anOMOH •poa3n000 peg
UOt2ESOj00oe 011 jt Se OAi2o3jj3 Ajjnj uIEtWa3 Hugs Agosoq pampas SU012ESilg0 age pUE 2uOtun32SUl ti2un03S Si4; `30m033Og tiq
2u3AIO282SUIoJ uodn 'poSuEgoun anUI ;UOO !yetis ;Uatwn31Suj ti2unoo5 9142 Aq po.nooS stuns 042 tied 01 u012ESIjg0 S,s3M03JOg
puE ti23ad03d 3142 uT s245u S,30pu3'j `2uatun32sul ti2uno0s s142 jo u04 a42 2842 33088E 01 3smbos tilgeuose0s beta 33pu0-I
se uo12Oe 4005 sa)1E2 (p) pue :8031 ,sti0uso22e ajgeuoseas `02 p02Ttu4 2ou 2014 `Suipnjout `2uatun4suj d2uno3S sig2 2u10SOju0
ui pas3n0ut sosuodxo jje sA2d (0) :S2uouloos28 s0 SlueuanoO 1042o tine jo 2jnajap iiU8 sasno (q) :passn000 peg u01281313008
ou jT se 02oN 042 puE 2UauJOJIsul ti2un0as 914; sapun onp oq pjnoM u042 4014■ stuns Hu 3apuoq s&ed (8) :JOMOSSOg
2Eg2 038 SUOI21pUOO 0SO41, •2uatuns29ul ,i2tsn0as 5142 SuioJoju0 2u0111Spnf a jo d32u0 (q) so :2uatun32sul 1f2Tsn0as s142
u1 p011182U00 0J88 j0 3aMOd Aire 02 2UEnS3nd ti23odo1d 042 jo 3183 a3Ojaq (2u0twa2E28u133 s0j tijtoadS Am tee! ojgsotjdd8 SE
pound 30420 40nS .10) Sii8p S (e) :j0 3011380 042 02 30ijd gulp. title 2E p3nui2U00Sip 2Uatun32SUl ,f2uno0s St42 j0 2U31uOOJOjuO
0Aeg 02 242u 042 3AE4 jjegs 3amO330g `SUO121p100 11182300 S2a0UJ 3OM0330g jl •3;e2SUt0ZI 0; 242i11 S •81
'samo33og uo puetu0p so a012ou .13421012no42tm 2uatuns2sul ti2un00s 8142 dq p022Ttusad satpaivas tiue
O)Ionu1 Aetu 33pu0• `pound st42 jo uo12ESidxO 042 O2 soisd stuns 39042 tied 01 sJTej 3amossog jl •2uatun325uj d2un0as st42 tiq
pasnoas stuns i1e tied 2Sntu JOMOJJOH 40Tt4M u142TM palietu s0 p033n4ap ST 00pom 0142 02Ep alp wag %fep OF trap ssaj 2ou JO
pound E apinold jjegs 3012011 0141 lot28101000E jo a0120u saMOSSOg OniS Hugs 3apua -I `uoildo 9142 9091033x0 3apua-I jI
•2uaurn32sul tf2jnoas 8142 jo 0289 0142 jo se mej iesapaj Aq pa2lgTgosd
si as1010X0 jT sapuO-I Aq pastO3axa aq 2ou Hugs UOildO 8142 `3anOMOH •2uatun32sul d2TSn03s si41 Aq pampas stuns 1ie
jo Ilnj uT 2u0tWd8d a2e!patutu! asinbas `uolldo 821 ;8 `"fear 3apua'l'2u0su00 u0uuA solid S,sapu0-I 2nog2TM (uossad jpan2EU
E 20U SI 3oMO33og pug p033ajSUE32 30 9108 St 3QMO33Og 111 2sa3O2ui jeiOijOUaq E ji 30) pO33ajSUE3; 30 9108 Si 1! 11I 22030;111
title 30 ti230d03d 0142 j0 23Ed ,Sue 30 Tie jI •sOMO330H UT 2S0301iI 1EPPij0uag a 30 AlsOd03d 3141. j0 3ajsueal, Li
•2uat.un3 ;sul tikun00s 5142 jo pup 02oN 3142 jo £doo patuJojuoo auo u0n!S aq 11egs samossog ti do3 s,sam0.00a '9 I
521
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 feeds 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)]
II
Adjustable Rate Rider
n Graduated Payment Rider
n Balloon Rider
n VA Rider
STATE OF WYOMING,
by
My Commission Expires:
014-6HONY) (940 31.0 1
.�s
LAURIE McKEE NOTARY PUBLIC
COUNTYOF STATE OF
LNCOLN WYOMING
Lincoln
The foregoing instrument was acknowledged before me this
January 11, 2004
Condominium Rider
Planned Unit Development Rider
Rate Improvement Rider
Other(s) [specify]
(Seal)
Borrower
(person ackn
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:
BEN L. VIRGIL, INDIVIDUALLY
KRISTI W. VIRGIL BY BEN L. VIRGIL, HER
ATTORNEY -IN -FACT
1 4 Family Rider
Biweekly Payment Rider
Second Home Rider
County ss:
May 10, 2000
(date)
Ben L. Virgil and Kristi W. Virgil by her atto ey in fact, Ben L. Virgil
•g)
Nota y Public
Page 6 of 6 CVWY 05/08/00 8:54 AM 6034575826
(Seal)
Borrower
eal
Borrower
(Seal)
Borrower
Form 3051 9/90
W:!;* 64
EXHIBIT A
Legal Description for
Ben L. Virgil and Kristi L. Virgil
Lot 3 of Block 2 of the Lincoln Heights 5th Addition, First Filing to the City of Kemmerer,
Lincoln County, Wyoming as described on the official plat thereof.
521