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1N3IJI1U1SNI I1I11O11Na DIVIH3/VIAIN3 Alluma aIBu!S ONHKOAM
Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to
restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's
security is not lessened. 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 any excess paid to Borrower. If Borrower abandons the Property, or does not answer within
30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect
the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured
by this Security Instrument, whether or not then due. The 30 -day period will begin when the notice is given.
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 the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any
insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to
Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan
Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within sixty days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the
Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if
any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment
could result in forfeiture of the Property or otherwise materially impair the lien created by this Security
Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in
paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith
determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of
the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if
Borrower, during the loan application process, gave materially false or inaccurate information or statements
to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced
by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property
as a principal residence. 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.
7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and
agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect
Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture
or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value
of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured
by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees
and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender
does not have to do so.
Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower
secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these
amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest,
upon notice from Lender to Borrower requesting payment.
8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan
secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage
insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases
to be in effect, 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 approved by Lender. If
substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month
a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the
insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss
reserve in lieu of mortgage insurance. Loss reserve 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.
WYOMING Single Family FNMA/FHLMC UNIFORM INSTRUMENT
MG3051A.WYM [I/R 2/17/98]
LOAN ID# 0803325174
ALXV FORM 3051 9/90 (page 3 of 6 pages)
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T 9 9 1'• 1. 0
WYOMING Single Family FNMA/FIILMC UNIFORM INSTRUMENT
MG3051A.WYM [i/R 2/17/981
662
18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the
right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days
(or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to
any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security
Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this
Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other
covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but
not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure
that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the
sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this
Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had
occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17.
19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with
this Security Instrument) may be sold one or mole times without prior notice to Borrower. A sale may result
in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note
and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale
of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in
accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new
Loan Servicer and the address to which payments should be made. The notice will also contain any other
information required by applicable law.
20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage,
or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else
to do, anything affecting the Property that is in violation of any Environmental Law. 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.
Borrower shall promptly give Lender written notice of 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. If Borrower learns, or
is notified by any governmental or regulatory authority, 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.
As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or
hazardous substances 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. As used in this paragraph 20, "Environmental Law" means federal
laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental
protection.
NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to
acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a)
the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date
the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the
default on or before the date specified in the notice may result in acceleration of the sums secured by
this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right
to reinstate after acceleration and the right to bring a court action to assert the non existence of a
default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before
the date specified in the notice, Lender at its option may require immediate payment in full of all sums
secured by this Security Instrument without further demand and may invoke the power of sale and any
other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in
pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys'
fees and costs of title evidence.
If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower
and to the person in possession of the Property, if different, in accordance with applicable law. Lender
shall give notice of the sale to 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 without charge to Borrower. Borrower shall pay any recordation costs.
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.
LOAN IDOL: 0803325174
ALXX FORM 3051 9/90 (page 5 of 6 pages)
(sand 9 jo 9 And) 06/6 IRK 11R103 ATIV
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[(so)xoq aiquoliddu 3ioag3]
ADDENDUM TO MORTGAGE/DEED OF TRUST/
DEED TO SECURE DEBT /SECURITY DEED
This ADDENDUM TO MORTGAGE/DEED OF TRUST/DEED TO
SECURE DEBT /SECURITY DEED (also known as "Security Instrument is made
this 11th day of MAY 2000 and is incorporated into and
amends the Security Instrument of the same date given by the undersigned (the
"Borrower to secure Borrower's Note (the "Note to
Alliance Funding, a Division of Superior Bank FSB
(the "Lender of the same date and covering the Property described in the Security
Instrument and located at:
In addition to the covenants and agreements made in the Security Instrument,
Borrower and Lender further agree as follows:
1. The paragraph of the Security Instrument entitled, "Application of
Borrower's Payments" or alternately "Application of Payments," is
deleted in its entirety and the application of payments is governed by the
Note.
2. Unless prohibited by applicable law, the paragraph of the Security Instrument
entitled, "Acceleration; Remedies" or alternately "Lender's Rights if
Borrower Fails to Keep Promises and Agreements," is supplemented by
adding the following provisions:
"Additionally, Lender may require immediate payment in full of the entire
amount remaining unpaid under the Note and this Security Instrument, if:
(1) On application of Lender, two or more insurance companies
licensed to do business in the State in which the Property is located, refuse
to issue policies insuring the buildings and improvements on the Property;
or
32 HIALEAH ROAD, AFTON, WY 83110
(Property Address)
(2) Borrower fails to make any payment required by a senior
mortgage, deed of trust, deed to secure debt or other security instrument
encumbering or affecting the Property or fails to keep any other promise or
agreement in any senior mortgage, deed of trust, deed to secure debt or other
security instrument encumbering or affecting the Property; or
(3) Any representation made or information given to Lender by
Borrower in connection with Borrower's application for the loan evidenced
by the Note is false or misleading in any material respect; or
(4) Borrower allows the Property to be used in connection with any
illegal activity."
3. For a loan secured by Iowa real property:
ACCOUNT #:0803325174
a. The following sentence is added to the end of the paragraph of the
Security Instrument entitled, "Release" or alternately "Redemption
Period:"
"Borrower shall pay any recordation and /or official costs in
connection with this mortgage."
b. Language is added to the Security Instrument as follows:
MULTISTATE ADDENDUM TO 1ST /2ND
FNMA /FHLMC SECURITY INSTRUMENT
SUPERIOR (4/30/98)
"NOTICE TO BORROWER
I UNDERSTAND THAT HOMESTEAD PROPERTY IS IN MANY
CASES PROTECTED FROM THE CLAIMS OF CREDITORS
PAGE 1 OF 4
AMCJ
AMG014A.USM
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and, to the extent permitted by law, waives Borrower's rights under any law
which provides for an increase of said prior deed of trust, mortgage, deed to
secure debt or other security instrument to pay for repairs, improvements,
replacements, taxes, municipal liens, assessments or other charges on the
Property. If, notwithstanding the foregoing waiver, such funds are advanced
to or on behalf of Borrower, whether voluntarily or involuntarily, Borrower
agrees that Lender, at its option, may accelerate the indebtedness secured
hereby."
10. A provision is added to the Security Instrument as follows:
"Borrower hereby acknowledges receipt, without charge, of a true copy of
the Security Instrument."
11. Escrow Waiver
If the box above has been checked, Lender waives the requirement for
Borrower to make payment to Lender for the escrow items referred to in the
paragraph of the Security Instrument entitled, "Funds/Monthly Payments
for Taxes and Insurance." Borrower shall pay these obligations on time
directly to the person owed payment. Borrower shall promptly furnish to
Lender all notices of amounts to be paid under this paragraph, and receipts
evidencing such payment.
Unless otherwise prohibited by applicable law, Lender reserves the right to
require. Borrower to make payment to Lender for the escrow items referred
to in the paragraph of the Security Instrument entitled, "Funds /Monthly
Payments for Taxes and Insurance," if Borrower defaults in the payment
of such escrow items and such default is not cured within the time set forth
in any notice sent to Borrower by Lender. Lender reserves such right even
though Lender did not establish such escrow account as a condition to
closing the loan. If Lender requires Borrower to make payments to Lender
as provided herein, the provisions of the paragraph of the Security
Instrument entitled, "Funds /Monthly Payments for Taxes and Insurance"
will be in full force and effect.
12. A paragraph is added to the Security Instrument as follows:
"FORCE PLACED INSURANCE. Unless otherwise prohibited by
applicable law, if Borrower does not provide Lender with evidence of
insurance coverage (for any type of insurance that is required by Lender),
Lender may purchase insurance at Borrower's expense to protect Lender's
interests in Borrower's Property. This insurance may, but need not, protect
Borrower's interests. The coverage that Lender purchases may not pay any
claim that Borrower makes or any claim that is made against Borrower in
connection with the Property. Borrower may later cancel any insurance
purchased by Lender, but only after providing Lender with evidence that
Borrower has obtained the required insurance. If Lender purchases insurance
for the Property, Borrower will be responsible for the costs of that insurance,
including the insurance premium, interest at the rate provided by the terms
of the Note and any other charges that the Lender or the insurer may impose
in connection with the placement of the insurance (for example, a fee from
the carrier for processing the force placed insurance), until the effective date
of the cancellation or expiration of the insurance. The costs of the insurance
may be added to Borrower's total outstanding balance and secured by this
Security Instrument. The costs may be more than the cost of insurance that
Borrower may be able to obtain directly because Lender will be purchasing
insurance under a general policy that does not consider Borrower's individual
insurance situation."
MULTISTATE ADDENDUM TO 1ST /2ND
FNMA /FHLMC SECURITY INSTRUMENT
SUPERIOR (4/30/98)
LOAN ID #:0803325174
PAGE 3 OF 4 AMCL AMG014A.USM
MULTISTATE ADDENDUM TO 1ST /2ND
FNMA/FHLMC SECURITY INSTRUMENT
SUPERIOR (4/30/98)
14. If an Adjustable Rate Rider is executed in conjunction with the Security
Instrument, such rider is amended by: a) deleting the section entitled,
"Transfer of the Property or a Beneficial Interest in Borrower" and b)
adding to the section entitled, "Interest Rate and Monthly Payment
Changes" (D) "Limits on Interest Rate Changes," the following language:
"My interest rate will never be less than N/A
15. If the Security Instrument is assigned or transferred, all or a portion of this
Addendum may be voided at the option of the assignee or transferee. Any
terms and provisions of this Addendum which are voided will be governed
by the original terms of th Security In trument.
13. A paragraph is added to the Security Instrument as follows:
"Verification or reverification of the Property's valuation or any other
information normally contained in an appraisal may be required as part of
Lenders's ongoing quality control procedures. Borrower agrees to cooperate
fully with Lender and /or its agents, successors or assigns in obtaining and
completing a full appraisal in the future at Lender's sole option and
expense."
CHRISTINE CALL
64 L e
ETHAN CALL
667
Borrower
Borrower
Borrower
Borrower
Borrower
Borrower
LOAN ID #:0803325174
PAGE 4 OF 4 AMCM AMG014A.USM