Loading...
HomeMy WebLinkAbout893858SEP 24 2003 11:1'8 FR WFHM 402 Return WELLS FARGO HOME MORTGA(ZE, INC. 3601 MINN'~SOTA DB. SUITI; 200 BLOOMINGTON, MI~ 55435 893858 ~a~ed By: WBLLS FAR(~O H01v[E MORTOAGE, INC. 536 TO 9]30787?9602 RECEIVED LINCOL~I COIJNTY CLERK P.14 1919 DOUGLAS,, OMAHA, 681010000 · BO .. ?rP^cJ~ ~5 5 {Space Above TI~ Line For Re~ording D~ta] MORTGAGE" DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Secions 3, Il, 13, 18, 20 and 21. Certain rules regarding the unge of words used in this document are also provided in Section 16. (A) "Security Instrument" means this documc~tt, which is datedS~lPTlrbZBER 24, 2003 , together with all Riders to this document. (B) "Borrower" is DAVID J. ROB]~RTS AND BOBBI~ J. ROBERTS, HIJSBAND AND WIFR Borrower is the mortgagor under this Security Instrument. (C) "Lender" is ICI[LL$ ~'A.~OO HOtel MORTOAGIio 'rNc. Lender is a CORPORATION organized and existing under the laws of THE $TATIt OF CA-~rFORI~A 0034702498 WYOMING-Sift§lo Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP MOSTGAGE I:0FtM8 - 1800}821-7251 Form 3051 1101 402 535 2501 TO 913578779502 P.15 BOX 1.0304, DIgS ~lO'rl,~8, 'rA 503060304. 6 Lender is the mortgagee under this Security Instrument. (D) "Note" means the pron~ssory not~ signed by Borrower and dated gI~PT~'I~IBP. R 24, 2003 The Note states that Bonower owes Lender NINgTY FOUR THOU-qjkl'lD FIV~ HUNDRI~D 'I'WIgl~Y FTVI~ Xlm 00/100 Dollars (U. S. $' '* * ' 94,52 S. o 0 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than OCTOBI~R 0i, 2033 ('fi) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (19 "Loan" meres the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" me,ns all Riders to this Security Instrument that are exerted by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: R Adjustable Rate Rider [] Condominium Rider [--] Second Home Rider' Balloon Rider [] Planned Unit Development Rider. ~-] I-4 Pamily Rider [~] YA Rider [--] Biweekly Payment Rider ~ O~)[specify] Manufactured iH) "Applicable Law', means all controlling applicable federal, state and local statutes, regulations, ordinances and admirfistradve niles and orders (that have the effect of law) as well as ali applicable final, non.appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Properly by a condominium association, homeowners association or similar organization. (J) "Eledxonie Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic tennlnal, telephonic instrument, computer, °r magnetic tape so a~ to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse 'transfers. (I0 "Escrow Items" rrmans those items that are described in Section 3. (L) "Miscellaneous l~oeeeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section :5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (lVl) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (iq) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (O) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing r~gulation, Regulation X (24 C.F.R. Pan 3500), as they might be amended from time to time, or any additional or successor legislation or regulation thit governs thc same subject matter. As used in this Security Instnunent, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a 'federally related mortgage loan" under RESPA. Form 3051 1i01 Home Rider SEP ~4 ~003 11:19 FR WFHM 402 531~ ~0] TO 91307~779S02 P.IIS 257 (P) "Successor in Interest of Borrower" means any party that h~ taken tide to the Proper~y, whether or not that pa~5' h~s ~ssumed Borrower's obligations under the Note md/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrun)mt secures to L~nder: (il the repayment of the Loan, m~d all renewals, ex~e~siom sad modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security 'Im~t and the Note. Nor this purpose, Borrower does hereby mortgage, grant and convey to Lende~ and Lender's ~uccessors sad assigns, with power of sale, the following described property located in the COUNTY of LINCOLN : (Type of Recordin~ Jurhdlcdo~] [Name of Recording }'urtsdictlon] 1998 ATLANTIC HOKE, SERIAL ~4798-078-99%8 A/B HUD # NEB094531 AND N'g~094532 THIS IS A PURCHASE MONEY SSCURITY INSTRUMENT. TAX STATE~BNTS SHOULD BE SENT TO~ WELLS FARGO HOM~ MORTGAGB, ~OX 10304, DBS MOINES, IA 50306030% INC., P. 0. Parcel ID Number: 1795 COUNTY ROAD 342 KLT~MHREI~ CProperty Address"): which currently has the address of lSu~l Wyoming 83101 ['Zip C~deI TOGETHER WITH all the improvements now or hereaft~ ~rected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. Al! repl~ements and additions ~hall also be covered by this Security lnstrurr~nt. All of the foregoing is referred to in this Security Lustr~ment as the "Property." BORROWER COVENANTS ttnt Borrower is lawfully self, ed of the e~tate 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 w~rrants and will defend generally the title to the Property agairmt all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines umform 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 axed Lender covenant and agree as follows: 1. Payment of Principal,. Interest, 'Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and imerest on. ~he debt evidenced by the Note and any prepayrrmnt c2mrges and late charges due under the Note. Borrower ~hall also pay funds for Escrow Items pursuant to Section 3. Payments due trader the Note and this Security Ir~rument shall be made in U.S. currency. However, if a~y check or other instrunmat received by Lender as payment under the Note or this (~-6{WY! tooos! voeea ot ~ Form 3051 1101 SEP 24 2003 l l: 19 FR b. IFHM 402 536 21S01 TO 9130787791S02 P.l? Security Instrument is returned to Lender unpaid, I.~nder may require that any or all subsequent payments due trader the Note and this Security Instrument be made in one or more of the following forms, as selected by I.~nder: (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 d~posits are i~urccl by a federal agency, instrumentality, or entity; or (d) Electronic l%nds Transfer. Payments are deemed reofived by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in acco;dance with the notice provisions in Section 15. Lender may return any paymmat or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept ;my payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its fights to refuse 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 a_s of its scheduled due date, than Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes paymex~t to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure.. No offset or claim which Borrower might have now or in the f~ture against Lender shall relieve Borrower from mal~ing payments due under the Note and this Security Instrm'nent or performing the covenants and agreements secured by this Security Instrument. 9.. Application of Payments or proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by [.~nder shall be applied in the following order of priority: (a) interest de under the Note; (b) principal duc 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 trader this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Petfiodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than otte Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payment~ if, and to the extent that, each payment can be paid in full. To the extent that may excess exists afte~ the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charge' due. Voluntary prepayments shall be.applied first to any prepayment charges and then as described in the Not~. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or pos~one ~e due date, or change the amount, of the Periodic Payments. 3, Ptmds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments axe due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security ln.qtrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow ItcheS." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Pees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be .an Escrow Item. Borrower shall prompdy furnish to Lender ali notices of amounts to be paid under this Section. Borrower Shall pay Lender the Funds for Escrow lter~ unless Leoder waives Borrower's obligation to pay the Funds for any or all Escrow Itams. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Iterns at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the arr~unu SEP 24 2009 11:19 FR WFHM 402 536 2~01 TO 91907@779602 P.18 due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such paymem within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be d~emed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section D. If Borrower ia obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise itl rights under Section 9 and pay ~ch amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all F_sc. row Items at any time by a notice given in accordance with Section 15 and, UPon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that axe then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and Co) not to exceed the maximum 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 in accordance with Applicable Law. Thc Funds shall be held in an it~titution whose deposits are insured by a federal agency, instmment:flity, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Leader shall apply thc Funds to pay the Escrow Items no later thaq zhe time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing thc 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 an agreement is made in writing or Applicable Law requires interest to be paid on the laund~, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower end 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 them is a surplus of Funds 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 thc shortage in accordance with RESPA, but in no more than 12 monthly payment,. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower ~hall pay to Lender the amount necessary to make up the deficiency in ac. corflance with RESPA, but in no more than 12 monthly payments. Upon payment in full .of all sums secured by this Security lnstm, rnent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, eharge$, fines, and impositions attributable to the Property which can attain l~riority over this Security Instrument. leasehold pay. menu or ground rents on the Property, if any, end Community Association Dues, Fees, and Asse.~.qments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security lnstrumem unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing tach agreement; CO) contesu the lien in good faith by, or defends against enforcement of the lien in, legal prOCeedings which ia Lender's opinion operate to prevent the enforcement of the lien While those proceedings ;ge pending, but only until such proceedings are concluded; or (C) secures from the bolder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Lmtmment. 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 9 Form 3051 1101 SEP ~4 ~003 I1:~0 F~ I~FHM 40E 536 E601 TO 51~07877S$0~ lien. Within 10 days of the date on ~vhich that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. $. Property Insurance, Borrower shall keep the improvements now existillg or hereafter erec. zed on the Property insured against loss by fire, hazards included within the term "extended coverage.' and any other hazards including, but not limited aa, earthquakes and floods, for which Lender requires insurance. This insuxance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentence-~ can change during the term of the Loan. The i~lrance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove BorroWer's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a on,-time charge for flood zone determination, certification and tracking services; or (b)a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affec! such ..determination or certification, Borrower shall also be responsible for the payment of any fees imposed' by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might ~ot protect Borrower, Borrower's equity in the Property, or the eontenu of the Property, against any risk, hazard or liabilit~ and might provide greater or lesser coverage than was previously in effect. Borrower 'acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice f~om Lender to Borrower requesting ~ayment. All insurance policies required by Lender and renewals of ~ch policies shall be subject to Lender;s right to disapprove such policies, lhall include a standard mortgage cla~e, and shall name Lender al; mortgagee and/or as an additional loss payee. Lender shall have the fight to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for danmge to, or destruction of, the Property,. such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property. if the restoration or repair is eCOnomicallY fezsible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the ' work has been completed to I_~nder's Satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreenz~t is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Box'rower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with II~-(~(V~t'YI 1o~o$1 P~ga I~ ,,f 1'~ Form :3051 1101 SEP 24 ~003 11:20 F~ ~FH~ 40~ 536 ~601 TO 913078779602 P. ;:'0 the excess, if any, paid to Borrower. Such insurance proc___,~,4s shall be applied 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 doe~ not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either cvcm, or if Lender acquires, the Propc~'ty under' Section 22 or otherwise, Borrower hereby a~signs to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Non= or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar u such rights are applicable to the coverage of the Property. Lender may 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 Propetay as Borrower's principal re;idence within 60 days after the execution of this Security lmtmm~nt and shall continue m occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless L~der otherwise agrees in writing, which 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 impair the Propc, Ity, allow the Property to deteriorate or commit waste on the Property. Whethe~ or not Borrower is residing in the Property, Borrower shall main~n the Property in order to prevent the Property from deteriorating or decreasing in value due m its condition, Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair [he Property if damaged to avoid further den;flotation or damage. If insurance or condemnation proceech are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Leader has 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 condemnation 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. . 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 inspection specifying such reasonable cause. 8. Borrower's Loan Appltcation. 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 information or statements to I. znder (or failed to provide Lender with material information) in connection utith the Loan. Mate-rial representation~ include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection oK Lender's Interest in the Property and Rights Under this Security Instrument. If (al Borrower fails to perform the covertures and agrecmenu contained in this Security Instrument, Co) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for cond~rnmation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then ~ may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Prolmrty and fights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or rcpaking the Property. Lender's actions can include, but ar~ not limited to: (al paying any sums secured by a lien which h~ priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable ..................................... Pa~lo 7 of 1 li Form 30~ 1 1101 SEP 24 2003 1~:20 FR ~FHM 402 S36 2~0'1 TO 913078779~0~ P.21 ' 62 attorn~s' fees to protect its interes~ in the Property and/or rights under this Security lp.~rument, including its secured position in a bankruptcy proceedlng. Securing the ProPerp] includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, elimlmte buildi~ or other code violations or dangerous conditions, and have utilities ruined on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or ail actions authorized under this Section 9. Any amounts disbu~ed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. lVlortgage Tmsurance. If Lender required Mortgage Insoarance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage l.ns~rance in effect. If, for any reason, the Mortgage Jouurance coverage r~uired by Lender ceases to be available from the mortgage insurer that previously provid~ such insurance and Borrower w~s required to make separately 'designated payments toward the premiums for Mortgage Insurance. Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, f~om an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain the~e 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' ultinutely paid in full, and Lender shall not be required ~o pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) p~ovided by an i~urer 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 tlae 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-refunOble loss reserve, until Lender's reqUirement for Mortgage Insurance ends in accordance with any written ag~ement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Ivlongage Insurance reimburses Mnder (or any entity that purchases the 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, ~ud may enter into agreements with other parties that share or modi~ their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements rr~y require thc mortgage insurer ~o make payments using any source of funds tint the mortgage insurer may have available (,vhich may include funds 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, may receive (direcdy or indirectly) amounts th~ derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in ~change for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that ~u 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 'cap,ire rcmsuran · Further: (a) An), such agr~ments will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Ins'ttrance, and they will not entitle Borrower to any rerund- 1~I~-tlwY) iooos~ ' ~° a a~ ~s Form ~O'~1 l tO~ 40? 536 ~601 TO 913078779607 (b) Any such agreements will not affect the rights Borrower h,~ - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of MLscellaneous Proceeds; Forfeiture, All Miscellaneous Proc~s are hereby assigned ~o and shall be paid to Lender. If the Proper~y is damaged, such Miscellz. neous Proceeds shall be applied to restoration or repair of the Prope~y, if the restora~on or repair is economically feasible and L~.der's security is not lessened. During such repair and restoration period, Lender shall have the right to bold such Miscellz,,~ous Proceed~ until Lender has had an oppor~ur~ty ~o inspect such Proper~y to ensure the work has been completed to Lender's satisfaction, provided ~at such inspection shall be und~'~ak~ promptly. Le~der r~y pay for the repairs and restoration in a single disburser~nt or in a s~ies of progress payrr~n~s as ~he work is completed. Unless an agreement is made in wrffing or Applicable Law requires interest to be paid on such Mbcell~eous P~oceeds, Lender sh~ll not be required to pay Borrower any inter~t or earnings on such Miscellaneous Proceeds. If. the restoration or r~a~r is not economically feasible or Lender's security would be lessened, thc Miscellaneous Proceeds sh~ll be applied to the sums secured by this Security Inst~t, w~ether or not ~en due, with the excess, if any, p~Jd ~o Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. I~ the event of a ~otai t~ing, destruction, or loss in value of the Property. ~be Miscellaneous Proceeds sh~ll be applied ~o the sur~s secured by this Security lnstrun~nt, wh~ther or not then due, ~h¢ excess, it' any, p~id ~o Borrower. In the ~veot of a p~.rtial ~king, destruction, or loss in value of the Proper~y in which the fair market value of the Prope~y inunediately before the pa~ial ~king, destruc~on, or loss in value is equal to or greater ~hau the amount of the sun~ secured by ~is Security Instrument immediately before the partial t,~ng, destruction, or lo.ss in value, unless Borrower and Lender o~herwise agree in writing, the secured by this Security' ln~truir~]"~bali"be-'~educed 'by the-ar~ount--of-th¢-_Miscellaneous Proceeds multiplied by the following fraction: (al ~he to, al amount of the sums secured imrnedia~ely before the partial oking, desm~c~ion, or loss in value divided by Co) the fair market value of thc Proper~y immediately before fl~e panini ~king, destruction, or loss in value. Any bal~ce shall be paid to Borrower. In the ~vent of a partial t~king, destruction, or loss in value of the Prope~y in which the fair rn~rket value of the Property in, mediately before the partial taking, deswuction, or loss in value is less than the amount of the suras secured immediately before the partial ~king, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to' the sums secured by this Security Instrument whether or not the surm are then due. If the Proper~y is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in ~he next sentence) offers to make au award to settle a cl,~u for d~mages. Borrower fails to respond to Lender within ~0 days a~cr the dare the notice is ~iven, Lender is authorD-ed to collect and apply the Miscellaneous Proceed~ either ~o restoration or repair of fl~e Proper~y or to sums secured by ~ Securffy Insu-urn~t, whether or not ~hea due. "Opposing Par~y" meam the third party that owes Borrower Miscellaneous Proceeds or ~¢ party againr~ ·whom Borrower has a right of action in regard to Miscellaneou~ Proceeds. Borrower shall be in de~ault if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could resul~ in forfeiture of the Property or other n~l~ial impairmcn! of Lender's interest in the Prop~y or ri~ts under this Security Instrum~t. Borrower can cure such a default and, if acceleration has occurred, reinstate az provided in Section 19, by causing the. action or proceeding to be dismissed wi~h a ruling that, in Lender's judgment, precludes forfeiture of the Property or other materi~l impairment of Lender's interest in the Property or rights under this Security Insmwaent. The proceeds of any award or claim for damage~ ~t ~re attributable to ~he impah~t of Lender's interest in the Property are hereby ~sign~ and shall be paid to Lender. All Miscellaneous Proceeds tha~' are not appli~ to restoration or repair of the Proper~y shall be applied in the order provided for in Section 2. Form 3051 1/01 P.28 SEP FR ~FHM 402 536 ~601 TO 9!307877960~ P.23 "'64 12. 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 Insixument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings againsz any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the roms secured by this Security Instrument by reason of any demand made by .the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender ia exercising any fight or remedy including, without limitation, Lender's acceptance of payments from third person~, entities or Successors in Interest of Borrower or in amounts less than the amount then due, 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. However, any Borrower who co-signs this Security Instrument but does not execute' the Note (a 'co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terrm of this Security Instntment; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (o) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instnuncnt or the Note without thc co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and .benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except az provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the property and rights under this Security Instrument, including, but not limited to, attorneys' fees, properW inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shill not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shzll be reduced by the amount necessary to reduce the charge to the permitted limit; and Co) 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 wilt be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of ~ction Borrower might have arising out of such overcharge. 1.5. Notices, All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument sh~ll be deemed to have been given to Borrower when mailed' by first class mail or when :~:tually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law .expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shill promptly notify l.~nder of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified proce.dure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by .notice to Borrower. Any notice in connection wi~ this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. (~-6[WY1 Iooos~ p~g~ ~o o! ~S Form 3051 1101 SEP 24 200S 11:8! FR WFHM 482 53~ 2~BI TO 91307~77~802 P.:~4 16. Governing Law; Severability; Rules of Construction. 'Fnis Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the paxtie$ to agree by emntract or it might b~ silent, but such silence shall not he construed as a prohibition against agreem~t by contract, 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 lnsm:ment or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; CO) 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 Copy. Borrower shall be given one copy of the Note and 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 ally legal or beneficial interest in the Property, including, but not limited to, those beneficial inter.ts transferred in a bond for deed, contract for deed, installment sales contract or 'escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any pan of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without I.~der's prior written consent, Leader may require immediate payment in full of all sums secured by this Secarity Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower falls to pay 'these sum$ prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower rn~s certain conditions, Borrower shall have the right to have enforc~'ment of this Security Instrument discontinued at any tirr~ prioz to the earliest of: (a) five days before sale of the Propert~ pursuant to any power of sale contained in this Security Instrument; (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 this Security InstI~ment. Those cnnditions are that Borrower: (a) pays Lender ali sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; CO) cures any default of any other covenaiats or .... agreernena: (c) pays all expenses incurred in enforcing 9is .Sec.u. rity.Instrume, n. t,_.in_~lu~n_g..,_~_u.L~o) limited ~o, reasonable attorneys" fees,' pioPerty inspection ann valuauon zees~-eno outer ~ ,~.~, for the purpoae of protecting Lender's interest in the Property and rights under dais Security Instrurr~nt; and (d) takes such ~tion as Lender n'~y reasonably require to a~sure tha~ Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by dtis Security Instrun~nt. shall continue unchanged. Lender may require that Borrower pay such reinstatement auras and exp*~.nses in one or more of the following forms, as selected by Lender: (a) ca~h; Co) 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, instrumentalily or c~tity; or (d) Electronic · Punds 'l~ansfer. Upon reinstatement by Borrower, thi~ Security Instrument and obligations secured lmreby shall x~.main fully effective ~ if no acceleration had occurred. However, dais ri~t to reinstate shill not apply in the case of acceleration under Section 18. ~0. Sale of Noie; Change of Loan Servicer; Notice of Grievance. The Note or. a partial interest in Ihe Note (togaher with this Securi~ Instrument) can be sold one or more times without prior nodc~ to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer') thsl collect~ Periodic Payrr~.ats due under the Note and this Security Im~t and performs other mon§a§e loan servicing obligations under the Noun, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer u~elated to a sale of the Note. If there is a change of the .Loan Servicer, Borrower will be !iven written notice of the chan§e which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other info .rn~ation RESPA Form 30Sl 1101 SEP ~4 Z003 11:~1FR WFHM 402 536 ~GOl TO S 130787791S0~ P.~5 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaer of the Note, the mortgage loan se~icing obligations t~ 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 ray commence, join, or be joined to .any judicial action (as either an individual litigant or the member of, a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by re. on of, this Security Instrument, 'until such Borrower or Lender has notified the other p~a'ty (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hezeto a re~asonable period after the giving of such notice to take corrective action. If Applicable Law provides a tin'~ period which must elapse before certain action can be taken, that time period wilt be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section :12 and the notice of acceleration given to Borrower pursuant to Section 15 shall be deemed to 'satisfy the notice and opportunity to take corrective action provisions of this Section 20, :ll. Hazardous Substances. As used in this Section 21: (a) 'l-I~z~dous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, keros~e, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or forrmldehyde, and radioactive materials; (b) "Environmental Law? means federal laws and laws of the jurisdiction where the Property is located that relate to health, safe~y or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmen~ Law; and (d) an "Environmental Condition" means a condition that can c~use, contribute to, or otherwise trigger an Environmcn~ Cleanup. Bonower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, Co) which creates an Environm~mal Condition, or (c) which, due to the presence, use, or release of :~ Hazardous Substance, creates a condition tha adversely affects the value of the Property. The preceding two sentences shall not apply m the presence, use, or storage on the Property of small quantities of H.?~,rdous Substances that .are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, h~zardous substances in consumer products). Borrower shalt promptly give Lender Written notice of (a) any investigation, clam, demand, lawsuit or other action by any governmental or regulatou agency or private party involving the Property and any Hazardous Substince or Environmental Law of which Borrower has actual knowledge, (b) any Environmental COndition, including but not limiu~d ko. any spilling, leaking, discharge, release or threat of release cf any Hi~rdous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which ~dversely ~tffects the value of the Property. If Borrower learns, or is notified by any governmenud or regulatory authority, or any private p~rty, that any removal or other remediation ,of any Hazardous Substance affecting the Property is necessary, Borrower shall Promptly take all necessary remedial ~ctions in accordance wi~h Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. Form 3051 1101 SEP ~4 ~00J 11:~ FR ~FHM 482 538 2Ggl TO 913078779G02 P.2G : 67 NON-UNIFORM COVENANTS. Borrower ~ Le~der further covenant and agree ~s follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Seturity Instrument (but not prior to acceleration under Section 15 unless Applicable Law provides otherwise). The notice shall specify; (a) the default; Ca) the action required to cure the default; (c} a date, not less than 30 days from the date the notice i.~ 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 sh~ll farther inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existenea 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 colle~ all expenses incurred in pursuing the remedies provided in this Seciion 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 ~f intent to foreclose to Borrower and to the person in possession o~ the Property, if different, in accordance 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 nmm~er 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' ~ees; Ca) to all sums secured by this Security Instrumenl; and (0 any excess to the person or persons legally entitled to it.. 23. Rdease. Upon payment of =11 sum~ secux~d by this Security Instrument, Lender shall release this · Security Instrument. Borrower shall pay any recordation cosu. Lender may charge Borrower a fee for releasing this Security Insmunent, but only if the fee is paid to a fltird party for services rendered and the charging of the fee/s permitted under Applicable Law. 14. Waiyers, Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyon~ng. (~-OI, WY) iooo;} Pag, I-~ o~' ls Form 3051 1/01 SEP WFHM TO BI3078779802 P.~7 ,-'; 68 BY SIGNING BELOW, Borrower accepts mud agrees to the terms and covenants contained in dais Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: . (s~) -Borrower -Bowower (Seal) (Seal) .Borr~,~er .Borrower (Seal) (Se~) .Borrower -Borrower (Seal) -Borrower (Seal) .Borrowc[ Form 3051 1/01 SEP ~4 ~00~ 11:~ FR ~FHM 40~ 53tS PISO! TO 9!307R7791SOP P.88 STATE OF W~OM]~G, LINCOLN The foregoing instrum~at w~ acknowl~g~d before me ~his by DAVID J. ROBERTS AND BOBBIE J. RO~IERTS County s~; 24th day of September, 2003 My Commission Expires: February 2, 2006 ~4L:U,EY ISANO,AU. · NOTARY FH,,ISUC Notary l~blk I~e-eGIWY} Page 15 of 15 Form 3061 1101 00347024.q8 2003 11:22 FR IdFHH ~{02 5J6 2601 TO 91J078779602 P.29 MANUFACTURED HOME RIDER TO THE MORTGAGE/DEED OF TRUST/SECURITY DEED This Rider is mede this SEPT~R 24, 2003 , and is incorporated into end amends end supplements the Mortgage/Deed of Trust/SecuritY Deed Ithe "Security Instrument") of the same date. given by the undersigned [the "Borrower") to secure Borrower's Note to (the "Lender") of the same date (the "Note") end covering the Property described in the Security Instrument and located at: 1795 COUNTY ROAD 342, /(EM/~R~R, WY 83101 IPtoI~FtV Addresg) Borrower and Lender agree that the Security Instrument is amended and supplemented to read as follows: A. The Property covered by the Security Instrument Ireferred to as "Property" in the Security Instrument) includes, but is not limited to, the Manufactured Home [Serial Number, if required. ) affixed to the property legally described in the Security Instrument. Bo Additional Covenants of Borrower 1. Borrower will comply with all state and local laws end regulations regarding the affixetiOn of the Manufactured Home to the property described in the Security Instrument including, but not limited to, surrendering the Certificate of Title (if required) end obtaining the requisite governmental approval and accompanying documentation necessary to classify the Manufactured Home as real property under' state and local law. 2. The Manufactured Home described above will be, at all times and for all purposes, permanently affixed to and part of the property described in the Security Instrument. 3. Affixing the Manufactured Home to the property described in the Security Instrument does not violate any zoning laws or other local requirements applicable to manufactured homes. NMFL #3322 03101 Page 1 of 2 SEP 84 2003 11:22 F~ WFHM 482 536 2681 TO 9]30?8??9608 P.30 1 By signing below, Borrower accepts and agrees to the terms and covenants contained in this Manufactured Home Rider. (Scat) (S~) -Bm~owcr (Seal) (s~) .Bono~ver -Borrows' STATE OF J~'OJ~J~NG ) )ss. COUNTY OF LINCOT.~I } I, the undersigned Notary Public, in and for the aforesaid State and County, do hereby certify that DAV]~D J. ROBERTS AND BOBBIR J. ROBERTS Borrower(s), personally appeared before me in said Counffy~d acknowledged the within instrument to be their act and deed. Given under my ha~d ~J~d seal this 2~I~H day of ' ~~ ~ ' ~otary ~blic My commission expires: NMFL ~322 03/01 P~oe 2 of 2 : '.:,.9',:, TOTAL PAGE.gO