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HomeMy WebLinkAbout890010Return To: GreenPoint Mortgage Funding, Inc. 100 Wood Hollow Drive, Distribution Novato, California 94945 Prepared By: GreenPoint Mortgage Funding, Inc. 777 Post Oak Blvd., Ste. 700 Houston, Texas 77056 BOOK ~,~r~ ~_: PR PAGE 78} [Space Above This Line For Recording DataI MORTGAGE MIN 100013800818182624 DEFINITIONS Words used in multiple sections of this document are defiued beloxv aud other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document which is dated May 12, 21}03 together with all Riders to this document. ' (B) "Borrower" is Shelby H Pierce and Ta~nira Pierce, Husband and Wife Borrower is the mortgagor under this Security h]stmment. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns MERS is tile mortgagee under this Security Instrument. MERS is organized and existing under the la ws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. BBGX- 100 · WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3051 1/01 ~,a;- 6 A (WY) (o0o5),Ol VMP MORTGAGE FORMS - (800)521-7291 (D) "Lender" is OreenPoint Mortgage Funding, Inc. 781 Lender is a corporation organized and existing under the laws of The State Of New York Lender's address is 100 Wood Hollow Drive Novato, California 94945 (E) "Note" means the promissory note signed by Borrower and datedMay 1 2, 2003 The Note states that Borrower owes Lender One Hundred Four Thousand Four Hundred and 00/100th.q Dollars (U. S. $104,400.00 ) plus interest. Borrower has promised to p~ ty this debt in regular Periodic Payments and to pay the debt m full not later than June 1, 2033 (F) "Property" means the property that is described below under the head:ng "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the Note, plus interest, any prepay nent charges and late charges due under the Note, and all sums due under this Security Instrument, plus inlerest. (H) "Riders" means all Riders to this Security Instrument that are execute( by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: / [-~ Adjustable Rate Rider [] Condominkm~ Rider Seco ~d Home Rider [] Balloon Rider [] Plmmed Unit Development Rider [] 1-4 ~amily Rider ~ VA Rider [---] Biweekly Pa3qnent Rider [] Other(s) [specifYl (I) "Applicable Law" means all coutrolliug applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) ~s well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all due s, 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 tba a transaction originated by check, draft, or similar paper instrument, which is initiated through an e~ectronic tem~inal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a, financial institution to debit or credit an account. Such tem~ includes, but is ]lot limited to point-of-sale transfers automated teller machine transactions, transfers initiated by telephone, wire transfers, ~nd automated clearinghouse transfers. · (L) "Escrow Items" means those items that are described in Section 3. (~I) "Miscellaneous Proceeds" means any compensation, settlement, award lof 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) condenmation or other talcing of all or any part of the Property; (iii) conveyance in lieu of condenmation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. i (N) "Mortgage Insurance" means insurance protecting Lender against the~onpayment of, or default on, the Loan. ' 1 (O) "Periodic Payment" means the regularly scheduled amount due for (i) pbncipal and interest under the Note, plus (ii) 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 I or regulation that governs the'same subject matter As used in this Se'curity Instrument, "RESPA" refers to all reqmrements and restnctmns that are m~posed m regard tOloan,,a "federallYunder RESPA.related mortgage loan" even if the Loan does not qualify as a "federally related mortgage BBGX-100 Initials:.~ I~.~-6A(WY) (0005).01 Page2of15 Form 3051 1/01 (Q) "Successor in Interest of Borrower" means any party that has taken ti! not that party has assumed Borrower's obligations under the Note and/or thi: TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, modifications of the Note; and (ii) the performance of Borrower's cove this Security Instrument and the Note. For this purpose, Borrower does hereb to MERS (solely as nominee for Lender and Lender's successors and a~, and assigns of MERS, with power of sale, the following in the County of Lincoln [Type of Recording Jurisdiction] [Name of Re Lot ~3 of the Star Valley Ranch Plat 13, Lincoln Count described on the official plat thereof. e to the Property, whether or Security Iustmment. d all renewals, extensions and nants and agreemeuts under mortgage, grant and convey signs) and to the successors lescribed property located :ording Jurisdiction] y, Wyomin[t as Parcel ID Number: 12 - 3 518 - 3 2 - 2 - 01 - 0 0 5.0 0 whi(:h currently has the address of 1115 Vista Drive [Street] Thayne [City] , Wyon~ing 83127 [Zip Code] ('Property Address"): TOGETHER WITH all tile inlproveulents 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." Borroxver understands and agrees thai MERS holds ouly legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the fight to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasin and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the :ate hereby conveyed and has the fight to mortgage, grant and convey the Property and that the Propert~ is unencumbered; except for encumbrances of record. Borroxver warrants and will defend generally the ti le to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines unifom~ covenants for r}ational use and non-uniform covenants with limited variations by jurisdiction to constitute a unifom~ secufity instrument cOvering real property. BBGX-100' Initials:~,~j'r~ ~.;6A(WY) (o0o5).o1 Page30,15 ~ Form 3051 1/01 782 783 UNIFORM COVENANTS. Borrower and Lender covenant and agree 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 egidenced 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 m u.s. currency. However, if any check or other instrument received by Lender as ~ayment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that ;ny or all subsequent payments due under the Note and this Security InstTument be made in one or mole of the following fom~s, 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 upou an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Paymeuts are deemed received by Lender when received at the location desig~ated in the Note or at such other location as may be designated by Lender in accordance with the ~otice provisions in Section l 5. Lender may return any payment or partial payment if the payment or parti~,l payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to iefuse such payment 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 da:e, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borlrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of !ime, 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 inm~ediately 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 other~vise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following] order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) 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 unde: this Security Instrument, and then to reduce tbe principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Perio(Lic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied o the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any paymeut received from Borrower to the repayment of the Periodic Payments if, and to the ext :nt 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 ~he Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the d~y Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provid, for payment of amounts due for: (a) taxes and assessments and other items which can attain priority ove:' 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 auy, or any sums payable by Borrower to Lender in lieu ~f the payment Of Mortgage Insurance premiums in accordance with the provisions of Section 10. Th~ se items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require tbat Comnqunity 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 u}~der this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrowers obligation to pay the Funds for any or all Escrow Items. L?der may waive Borrower's obligation to pay to Lender Funds for auy or all Escrow Items at any time Any such waiver niay only be in writing. In the event of such waiver, Borrower shall pay directly when a~d where payable the amounts ~(~X- 10 0 Initials:~'~''~'~ 1[~-6A(WY) (o005).0~ Page4of15 { Form 3051 1/01 08&- DO.TLO due for any Escrow Items for which payment of Funds has been waived by shall furnish to Lender receipts evidench~g such payment within such time Borrower's obligation to make such payments and to provide receipts shall 78,1 Jender and, if Lender requires, ~eriod as Lender may require. ['or all purposes be deemed to be a covenant and agreement contained in this Security Insmnnent, as the ph'ase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exel-c]se its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section ~ to repay to Lender any such amount. Lender may revoke the ~vaiver as to any or all Escrow Items at any tinie by a notice given in accordance with Section 15 and, upou such revocation, Borrower shall pay to Lender all Funds, and iu such amounts, that are then required under this Section 3. Lender ]nay, at any time, collect and hold Funds in an amount (a) suffix:lent to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the ntaximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise accordance with Applicable Law. The Funds shall be held in an institution whose deposits are i ;ured by a federal ageucy, instrumentality, or entity (including Lender, if Lender is an institution whos deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrcw Items no later than the time specified under RESPA. Lender shall 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. Unless ar agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall nc be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can 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 as required by RESPA. If there is a surplus of Fm~ds held in escrow, as defined under RESPA, Lender shall: account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA,' and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shail pay to Lender ~he amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthl'~ payments. Upou payment in full of all sums secured by this Secuhty Instrument Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, cl' ~rges, fines, and impositions attributable to the Property which can attain priority over this Security Insttument, leasehold Payments or ground rents on the Property, if any, and Conm~unity Association Dues, Fee: and Assessments, if any. To the extent that these items are Escrow Items, Borro~ver shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees m writing to the payment of the obligation secured by the lien in a mmmer acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, b~t only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Insmtment. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the BBGX-iO0 1[~)~76A(WY) (0005).01 Page5o[15 // Form 3051 1/01 785 lien. Within 10 days of the date on which that notice is given, Borrower shal 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 lestate tax verification and/or reporting service used by Lender in co~mection with this Loan. I 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards inclnded within the tem~ "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 l~vels) and for the pehods that Lender requires. ~at Lender requires pursum~t to the preceding sentences :an change duhng the term of the Loan. ~e insurance career providing the insurance shall be Chosen b Bo~ower subject to Lender's hght to disapprove Bo~ower's choice, which hght shall not be exercised unreasonably. Lender may require Bo~ower to pay, in connection xvith this Loan, either: (a) a ore-time charge for flood zone determination, ce~ification and ~acking services; or ~) a one-time charge for flood zone detem~ination and certification se~ices and subsequent charges each t~e remappings o similar changes occur which reasonably might affect such determination or ceaification. Bo~ower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency ~ connection with the review of any flood zone detem~ination resulting ~om an objection by Bo~o ~er. If Bo~ower fails to maintain any of the coverages deschbed above, Lender may obtain insurance coverage, at Lender's option and Bo~ower's expense. Lender is under o obligation to purchase any particular Wpe or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bo~ower, Bo~ower's equiW in the Prope~, or the contents of the Prope~, against any hsk, hazard or liabiliW and might provide ~eater or lesser coverage than was previonsly in effect. Bo~ower acB~owledges that the cost of the insurauce coverage so obtmned m~ght s~gmficantly exceed the cost of insurauce that Bo~ower could have obtained. ~y amounts disbursed by Lender under this Section 5 shall become additional debt of Bo~ower sec~ed by this SecuhW Instrument. ~ ~se amom~m shall bear interest at the Note rate from the date of disbursement and shall be payable; with ~ch interest, upon notice from Lender to Bo~ower requesting payment. All insurance policies required by Lender and renewals of such polk es shall be subject to Lender's hght to disapprove such policies, shall include a standard mortgage clau~;e, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the hght te hold the policies and renewal certificates. If Lender requires, Bo~ower shall promptly give to Lender all 'eceipts of paid premiums and renewal notices. If Bo~ower obtains any fom~ of insurance coverage, not >the~vise required by Lender, for damage to, or destruction of, the Prope~, such policy shall include a standard mortgage clause and shall name Lender as mo~gagee an~or as an additional loss payee. In the event of loss, Bo~ower shall give prompt notice to the insuran :e career and Lender. Lender may make proof of loss if not made promptly by Bo~ower. Unless Lender and Bo~ower othe~ise 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 Prope~, if the restoration or repmr is economically :feasible and Lender's secuh~ is not lessened. Duhng such repair and restoration period, Lender shall have the right to hold such insurance proceeds nntil Lender has had an oppo~niW to inspect such Prope~ to ensure the work has been completed to Lenders sansfactton, prowded that such l~spectton shall be unde~aken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a sehes of pro~ess payments as the work is completed. Unless an agreement is mad~ in whting or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Bo~oxver any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Bo~ower shall not be paid out of f~e insurance proceeds and shall be the ~ole obligation of Bo~ower. If he restoration or repmr ~S not econommally feamble or Lender s secunW w~uld be lessened, the insurance proceeds shall be applied to the sums secured by this SecuriW Ins~ment, whether or not then due, witl{ BBGX-100 I .~ ~[6A(~Y) (ooos).ol Pa~e ~oils ~ Form 3o5~ ~lO~ / 786 the excess, if any, paid to Borrower. Such insurance proceeds shall be appli~:d in the order provided for in Section 2~ If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance career has offered to settle a claim, then Lender may negotiate anld settle the claim. The 30-day period will begin when the notice is given. In either event, or if LenderI acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to auy insurance proceeds in an amount not to exceed the amounts unpaid under the Note orI this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund o~ unearned premiums paid by Borrower) nnder all insurance policies covering the Property, insofar as such fights are applicable to the coverage of the Property. Lender ]nay use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borro~ver's principal residence for at least one year after the dat~ of occupancy, unless Lender t ...... o herwise agrees in writing, wlnch consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or hnpair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower }hall maintain the Property in order to prevent the Property from deteriorating or decreasing in value du~ to its condition. Unless it is determined pnrsuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condenmation proceeds are paid in connection with damage to, or the takin, g of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender llas released proceeds for such purposes. 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. If the insurance or condenmatiun proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. ' I Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspect]on specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate infomlation or statements to Lender (or failed to provide Lender ~vith material infon~ation) in connection with the Loan Material representations include, bnt are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residunce. I 9. Protection of Lender's Interest in the Property and Rights Unde~i this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or fights tinder this Security Instrument (such as a proceeding in bankruptcy, probate, for c~ndenmation or forfeiture for enforcement of a lien xvhich may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and Pay for iwhatever is reasonable or appropriate to protect Lender's interest in the Property and rights under tl!is Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) payin~ any sums secnred by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying: reasonable BBGX- 1 0 0 I~.~6A(WY) (0005).01 Page7o~15 Form 3051 1/01 787 attorneys' fees to protect its interest in the Property and/or rights under this gecurity Instrument, including its secured position in a bankruptcy proceeding. Securing the Property ir cludes, but is not limited to, entering the Property to make repairs, change locks, replace or board up dears 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 do4s 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 becom~ 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 ,'e title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as :ondition of inaking 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 availabl~ from the mortgage insurer that previously provided such insurance and Borrower was required to make sC parately desigmated payments toward the premiulus for Mortgage Insurance, Borrower shall pay the xemiums required to obtain coverage substantially equivalent to the Mortgage Iusurance previously in leffect, at a cost substantially eqtfivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If snbstantially 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 covei-age 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 th~ 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-refundableI loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tenuination or until ternfination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided ih the Note. Mortgage Insurance reimburses Lender (or any entity that purchases ~he Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or re, tuce losses. These agreements are on temps and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to lna]:e payments using any source of funds that the mortgage insurer may have available (which ]nay include ands obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, nother insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, ]nay receive (dire :ly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reins~,rance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Iusm'ance, or any other terms of the Loan. Such agreements.will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Boriower to any refund. / BBGX-iO0 in itia is/,),t._~/~ 1(~-6A(WY) (ooo5).o~ ' PageSof15 / Form 3051 1/01 * / (b) Any such agreements will not affect the rights Borro~ver has - if any - ~vith resPect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or my other laxv. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Iusurance, to have the Mortgage Insurance terminated automatically, and/or to receive a termination.refund of any Mortgage Insurance premiums that ~vere unearned at the time of such cancellation or 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 fight 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 pron'ptly. 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 requir ~'s 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 feasil:le or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total ,taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, ~hether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Pro :rty in which the fair market value of the Property innnediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument irm~ediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwis; agree in writing, the sums secnred by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amom~t of the sums secured inm~ediately before the partial takh~g, destruction, or loss in value divided by (b) the fair m~rket value of the Property inm~ediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial [aking, destruction, or loss in value of the Property in which the fair market value of the Propei~y ilmnediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured ilmnediately before the partial taking, destmclion, or loss in value, unless Borrower and Lender otherwise agree in wfitmg, the Miscellaneous 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 Llender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice i~ given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or replair of the Property or to the sums secured by this Security Instrun~ent, whether or not then due. "Opposin~ Party" means the third party that owes Borrower Miscellaneons Proceeds or the party against whom Borrower7 has a fight of action in regard to Miscellaneous Proceeds. I Borrower shall be in default if any action or proceeding, whether civil lot criminal, is begun that, in Lender's judgment, could restdt in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower c~n cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing tht action or proceeding to be dismissed with a ruling that, in Lender's judgment, preclndes forfeiture of the Property or other matefial impairment of Lender's interest in the Property or fights under this Security Ilnstmment. The Proceeds of any award or claim for damages that are attributable to the impairment of Lecder's interest in the Property are hereby assigned and shall be paid to Lender. / : All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. ~x-~oo la 12. Borrower Not Released; Forbearance By Lender Not a Waiwr. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors iu Interest of Borrower. Lender shall not be required to conm~ence proceedings against any Successor in Interest of Borrower or to refuse to extend time for p~yment or otherWise modify amortization of the sums secured by this Security Instrmnent by reason of any,demand made by :ithe original Borrower or any Successors in Interest of Borroxver. Any forbearance by Lender in exercising any right or remedy including, xvithout linfitation, Lender's acceptance of payments fr~m third persons,: entities or Successors in Interest of Borrower or in amounts less than the amount then dhe, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. IHowever any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (~) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the ~ums secured by this Security Instrulnent; and (c) agrees that Lender and any other Borrower can agree ~o extend, modify, forbear or make any accommodations with regard to the terms of this Security Instmfi~ent or tbe Note without the co-signer's consent. Subject to the provisions of Sectiou 18, any Successor in Interest of Borrower wlio assumes Borrower's obligations under this Security Instrument iu writing, and is app~ oved by Lender, shall obtain all of Borrower's rights and beuefits under this Security Instrnment. Borrower shall not be released from Borrower's obligations and liability under this Secnr/ty Instrument unless Lmtder agrees to such release in writing The covenants aud 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 sen, ices I:erfonned in cmmection with Borrower's default, for the purpose of protecting Lender's interest in theP operty and rights under this Security Instrument, including, but not limited to, attorneys' fees, property i~spection and valuation fees. In regard to any otber fees, the absence of express authority in this Security btstrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Leuder may uot 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 th it law is finally interpreted so that the interest or other loan charges collected or to be collected in connection witb the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the an:ount necessary to reduce the charge to the pemfitted limit; and (b) any sums already collected from Borrov,er which exceeded permitted limits will be refimded to Borrower. Lender may choose to make this ref :~d by reducing the principal owed under the Note or by makiug a direct payment to Borrower. If a ~efund reduces principal, the reduction will be treated as a partial prepayment without any prepaymelt charge (wbetber or not a prepayment charge is provided for under the Note). Borrower's acceptance >f 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 iu connection with this Security Instrument t ..... must be in writing. Any notice o Borrower in cmmection with this Secunty 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 ' I · . means. Notice to any one Borrower shall constitute notme 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 uotice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If ' Leuder specifies a procedure for reporting Borrower's change of address, then Borro~ver shall only report a change of address through that specified procedure. There may be only one designated notice address under this Secnrity Instrument at any one time. Any notice to Lender shall be giveu by delivering it or by mailing it by first class ]nail 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 .giveu to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirelnent will satisfy the corresponding requirement under this Security Instrm~ent. BBGX- 10 0 1 1[~..,~6A(WY) (ooo5).o~ Paoe~Oof~5 ] Form 3051 1/01 16. Governing Law; Severability; Rules of Construction. This Security governed by federal law and the law of the jurisdiction in which the Prop( obligations contained in this Security Instrmnent are subject to any req~ Applicable Law. Applicable Law might explicitly or implicitly allow the pal might be silent, but such silence shall not be construed as a prohibition agai the event that any provision or clause of this Security Instrument or the N Law, such conflict shall not affect other provisions of this Security Instrum( given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gel Instrument shall be rty is located. All rights and firements and limitations of ties to agree by contract or it ast agreement by Contract. In ~te conflicts with Applicable nt or the Note which can be ~der shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. ' / 17. Borrower's Cop),. Borrower shall be given one copy of the Note ariel of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Propelrtyl, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, instalhnent sales contract or escroxv agreement, the intent of which is the transfer of title by Borrower at Ifuture date to a purchaser. If all or any part of the Property or any Interest in the Property is sold 3r transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transl~rred~ without Lender's prior written consent, Lender ]nay require inunediate payment in full of all sums secured by tiffs Security Instrument. Ho~vever, this option shall not be exercised by Lender if su~:h exercise is prOhibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of ~cceleration. The notice shall provide a period of not less than 30 days from the date the notice is given iiI] accordance with Section 15 within which Borrower must pay all sums secured by this Security Instnm]ent. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pem~itted by this Security Instrument without further notice or demand on Borrower. I 19. Borro~ver's Right to Reinstate After Acceleration If Borrower meets certain conditions, Borrower shall have the right to have euforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to aCy power of sale cOntained in this Security Instrun~ent; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing thisI 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 def~ ult of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrum{:nt, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Secnrity Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrumeut, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses 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, instmmentalit~ or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument add obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, th s right to reinstate shall not apply in the case of acceleration trader Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. Th, Note or a partial interest m the Note (together with this Security Instrument) can be sold one or more imes without prior notice to Borrower. A sale might result in a c}~ange in the entity (ka~own as the "Loan Servicer") tliat collects Periodic Payments due under the Note and this Security Instrument and p servicing obligations nnder the Note, this Security Instrument, and Applical: one or more changes of the Loan Servicer unrelated to a sale of the Note. If Servicer, Borrower ~vill be given written notice of the change xvhich will state new Loan Servicer, the address to which payments should be made and ar BBI~.X - q 0 0 I~%~[6A(WY) <0005) 0~ Page 11 of 15 · ,rfonns other mortgage loan le Law. There also ]night be here is a change of the Loan the name and address of the y other information RESPA Form 3051 I101 088D010 requires in com~ection with a notice of transfer of servicing. If the Note is ;old 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 and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. ! Neither Borrower nor Lender may conm~ence, join, or be joined to any judicial action (as either au individual litigant or the member of a class) that arises from the other p~rty's/ actions purguant 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 allleged 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. ]'he 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 oppommity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Sectiou 21: (a) "Haztrdous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes l:y Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fonnaldeh',de, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the.jurisdiction wh~re, the Property.is located that relate to health, safety or enviroumental protection; (c) "Environmental Cleanup" includes ally response action, remedial action, or removal action, as defined in Environmental Law;! and (d) 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 uot do nor allow anyone else to do, anything affecting the Property (a)that is in vlolatio~ of any Environmental Law, (b) which creates au Environmental Condition, or (c) which, due to thg presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value c the Property. The preceding two sentences shall not apply to the presence, use, or storage on the P~ perty of small quantities of Hazardous Substances that are' generally recognized to be appropriate to onnal residential uses and to maintenance of the Property (including, but not limited to, hazardous substan :es in consumer products). Borrower shall promptly give Lender writteu notice of (a) any investi ;ation, claim, demand, lawsuit or other action by any g0vemmental or regulatory agency or private party nvolving the Property and any Hazardous Substance or Environmental Law Of which Borrower ha actual kmowledge, (b) any Enviroumental Condition, including but not limited to, any spilling, leaking,I discharge release or threat of release of any Hazardous Substance, and (c) any condition caused by theI presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower lean, s, 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 , I necessary Borrower shall prompt y take all necessary remedial actious in accordance with Enviromnental Law. Nothing herein ~hall create any obligation on Lender for an Environmental Cleanup. BBGX- 1 0 0 (~-6A(WY) (0005).01 Page12of15 Form 3051 1101 792 NON-UNIFORM COVENANTS. Borrower and Lender furtber covenan 22. Acceleration; Remedies. Lender shall give notice to Borro~ver pr Borrower's breach of any covenant or agreement in this Security Im acceleration under Section 18 unless Applicable Law provides otherwise). the default; (b) the action required to cure the default; (c) a date, not less the notice is given to Borrower, by which the default must be cured; ant and agree as folloxvs: or to acceleration follo~ving trument (but not prior to The notice shall Specify: (a) than 30 days from the date (d) that failure to cure the default on or before the date specified in the notice may result in acceler,' tion 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 t~ 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 shhll be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, i~tcluding, but not limited to, reasonable attorneys' fees and costs of title evidence. If Leuder invokes the power of sale, Lender shall give notice of int{ nt to foreclose to Borrower and to the person in possession of the Property, if different, in accord nce with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable n I Law. Lender or its designee may purchase the Property at a y sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, inclhding, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrulment; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by tiffs Security hrstmment, Lender shall release tbis Security Instrun~ent. Borrower sball 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 br services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rigbts nnder and exemption laws of Wyoming. BBGX-iO0 (~..,~-6A(WY) (0005).01 Page 13 of 15 -- ,y virtue of the homestead Form 3051 1/01 BY SIGNING BELOW, Borrower accepts and agrees to the terms ar Security Instrument and in any Rider exeCuted by Borrower and recorded with Wimesses: 793 covenants contained in this lt. BBGX-IO0 1~,;6A ( W Y) (ooo5).01 (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower Shelby ~ Pierce Tamira PierC~ Page 14 of 15 Form 3051 (Seal) -Borrower (Seal) · -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 1/01 UTAH STATE OF VqYONHN~, ~me~t~- Salt Lake The ~regoinginstmment wasacM~owledgedbe~remethis by Shelby H Pierce and Tamira Pierce My Conmfission Expires: l&./ "-"2 Notary Public BBGX-iO0 (~.~-6A(WY) (0005).01 Page 15 of 15 Initials: 794 County ss: Form 3051 1/01 SECOND HOME RIDER THIS SECOND HOME RIDER is made this 12TH day of } and is incorporated into and shall be deemed to amend and supplen: Trust, or Security Deed (the "Security Instrmnent") of the same date gi "Borrower") whether' there are one or more persons undersigned) to GreenPoint Mortgage Funding, Inc. (the "Lender") of the same date and coveting the Property described in "Property"), which is located at: 1115 Vista Drive, Thayne, Wyoming 83127 [Property Address] In addition to the covenants and agreements made in the Security Inst~ further covenant and agree that Sections 6 and 8 of the Security Instrument m the following: [ay, 2003 ent the Mortgage, Deed of ~en by the undersigned (the secure Borrower's Note to the Security Instntment (the ument, Borrower and Lender deleted and are replaced by 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property' to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management finn or any other person any control over the occupancy or use of the Property. 8. Borrower's Loan Application. Borrower shall be in default if durihg the Loan application process, BorroWer or any persons or entities acting at the directioh of Borrower or with .I Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to prOvide Lender with material informa the Loan. Material representations include, but are not limited to, re Borrower's occupm~cy of the Property as Borrower's second home. MULTISTATE SECOND HOME RIDER - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Page 1 of 2 1[~.]365R(0008) VMP MORTGAGE FORMS (800)521-7291 BBGX-IO0 fion) in connection with ~resentations concerning Form 3890 1/01 I n iti a I s: "~-/~'~ ~ 100013800818182624 BY SIGNING BELOW, Borrower accepts and agrees to the temps am Second Home Rider. Shelby ~ Pierce -Borrower ~a ~"'~' Pierce (Seal) - Borrower (Seal) - Borrower (Seal) - Borrower (~] 365 R (0008) Page 2 of 2 BBGX-100 796 provisions contained in this ;~~'/ (Seal) - Borrower (Seal) - Borrower .(Seal) - Borrower (Seal) - Borrower Form 3890 1/01 100013800818182624