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HomeMy WebLinkAbout894950WHEN RECORDED MAIL TO: SECURED FUNDING CORP. 2955 REDHILL AVENUE COSTA MESA, CALIFORNIA 92626 Loan No. 80003270 Title Order No. FA-10908 Escrow No. State of Wyomh~g 89 950 RECEIVED LINOOLN COLiNTY CLERK Space Above Tiffs Lh~e For Recording Data MORTGAGE (With Future Advance Clause) DATE AND PART1ES. The date of tiffs Mortgage (Security InstrUment) is ...... .O.~T..O..B..E..R. ..... ...................... 23, 2003 and the parties, their addresses and tax identification numbers, if required, are as follows: MORTGAGOR: KEN R. KULINSKY AND VICKIE A. ~'ULINSKY,~ H[J,~BAND [] If checked, refer to the attached Addendmn incorporated acknowledgments. AND WIFE herein, for additional Mortgagors, their signatures and LENDER: SECURED FUNDING CORP., A CALIFORNIA CORPORATION 2955 REDHILL AVENUE; COSTA MESA, CALIFORNIA 92626 CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debt (defined below) and Mortgagor's perfornmnce under this Security Instrument, Mortgagor grants, bargains, conveys, mortgages and warrants to Leuder, with power of sale, tile following described Property: LEGAL DESCRIPTION ATTACHED ItERETO AND MADE A PART HEREOF. PARCEL NUMBER: 12-2116-25-2-22-165-00 The property is located in ...... IJNCOLN ......................................... at (County) I WEST HILLCREST DIA/VIONDVILLE 83116 ..................................................................................................................... , Wyoming ....................... (Address) (City) (ZIP Code) Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all existing and future improvements, structures, fixtures, and replace~nents that may now, or at any time in the future, be. part of the real estate described above (all referred to as "Property"). MAXIMUM OBLIGATION L1MIT. The total principal amount secured by this Security Instrument at any one time shall not exceed $ ...................... :q.0.,.0.q0. :0. .0 ..................... This limitation of amount does not include interest aud other lees and charges validly made pursuant to this Security Instmmem. Also, this lindtation does not apply to advances nmde under the terms of riffs Security Instrument to protect Lender's security and to perform any of the covenants contained in this Security Instrmnent. SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows: A. Debt incurred under the terms of all promissory note(s), contract(s), guaranty(s) or other evidence of debt described below and all their extensions, renewals, modifications or substitutions. (You must specifically ~dentify the debt(s) secured and you should include theft,al maturity date of such debt(s).) THE TOTAL PRINCIPAL AMOUNT SECURED BY THIS SECURITY INSTRUMENT IS: $ 50,000.00 HOME EQUITY LINE SECURITY AGREEMENT DATED: OCTOBER 23, 2003 THIS OBLIGATION IS DUE AND PAYABLE ON: OCTOBER 28, 2013 ORIGINAL WYOMING - HOME EQUITY LINE OF CREDIT MORTGAGE (NOT FOR FNMA, FHLMC, FHA OR VA USE} © 1994 Bankers Systems, Inc., St. Cloud, MN Form OCP-REMTG-WY 10/7/98 ~NIT~ALS (page ! of 4) permitted under Applicable Law. ¢O 7 5 :24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s.) executed by Borrower and recorded with it. Witnesses: ANGIf LEE C/~ELL / _(Seal) Social Security Number 520-50-6932 Social Security Number (Seal) Social Security Number (Seal) (Seal) Social Security Number ............................ --[Space Below This Line For Acknowledgment] .................................... STATE OF WYOMING ) ) $S: COUNTY OF LINCOLN ) The foregoing instrument was acknowledged before me, a Notary Public, on OCTOBER 2 7. 2 0 0 3 Date by: ANGIE LEE CAMPBELL, a single person Person(s) Acknowledging In WITNESS WHEREOF, I have hereunto set my hand and official seal. MY Commis sion expires: /7//////~ County of II~"~ . _State WYOMING - Single Farnily- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Page 12 of 12 Form 3051 (01/01) 6'77 LOAN NO.: 80003270 ORIGINAL .C. All future advances from Lender to Mortgagor or oilier future obligations of Mortgagor to Lender under any prmnissory note, contract, guaranty, or oilier evidence of debt executed by Mortgagor in favor of Lender executed after this Security Instrument whether or not this Security Instrument is specifically referenced. If more than one person signs this Security Instrument, each Mortgagor agrees that this Security Instrument will secure all future advances and future obligations that are given to or incurred by any one or more Mortgagor, or any one or more Mortgagor and others. All future advances and other future obligations are secured by this Security Instrument even though all or part nmy not yet be advanced. All future advances and other future obligations are secured as if made on the date of this Security Instrunient. Nothing in this Security Instrument shall constitute a co~nnfitment to nmke additional or future loans or advances in any amount. Any such connnitment must be agreed to in a separate writing. All oilier obligations Mortgagor owes to Lender, which nhay later arise, to the extent not prohibited by law, includingl but not linfited to, liabilities for overdrafts relating to any deposit account agreement between Mortgagor and Lender. All additional sums adv. anced and expenses incurred by Lender for insuring, preserving or otherwise protecting the Property and its value and any other sums adva~lCed and expenses incurred by Lender under the terms of fltis Security Instrument. In the event that Lender fails to provide any necessary notice of the right of rescission with respect to any additional indebtedness secured under paragraph B of fids Section, Lender waives any subsequent security interest in the Mortgagor's principal dwelling that is created by this Security Instrument (but does not waive the security interest for the debts referenced in paragraph A of this Sectim0. MORTGAGE COVENANTS. Mortgagor agrees that the covenants in this section are nmterial obligations under the Secured Debt and this Security Instrument. If Mortgagor breaches any covenant in this section, Lender may refuse to lnake additional extensions of credit and reduce the credit limit. By not exercising either remedy on Mortgagor's breach, Lender does not waive Lender's right to later consider the event a breach if it happens again. Payments. Mortgagor agrees that all payments under the Secured Debt will be paid when due and in accordance with the terms of the Secured Debt and this Security Instrument. Prior Security Interests. With regard to any other mortgage, deed of trust, security agreement or oilier lien document that created a prior security interest or encumbrance on the Property, Mortgagor agrees to inake all payments when due and to perform or comply with all covmmnts. Mortgagor also agrees not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by the lien document without Lender's prior written approval. Claims Against Title. Mortgagor will pay all taxes, assessments, liens, encumbrances, lease payments, ground rents, Utilities, and other charges relating to the Property when due. Lender nmy require Mortgagor to provide to Lender copies of all notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the Property against any claims flint would impair the lien of this Security Instrument. Mortgagor agrees to assign to Lender, as requested by Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or materials to maintain or improve the Property. Property Condition, Alterations and Inspection. Mortgagor will keep the Property in good condition and make all repairs that are reasonably necessary. Mortgagor shall not conmfit or allow any waste, impairment, or deterioration of the Property. Mortgagor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent. Mortgagor will not pernfit any change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor will notify Lender of all demands, proceedings, claims and actions against Mortgagor, and of any loss or damage to the Property. Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender shall give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection of the Property shall be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's inspection. Authority to Perform. If Mortgagor fails to perform any duty or any of the covenants contained in this Security Instrument, Lender nhay, without notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor shall not create an obligation to perform, and Lender's failure to pertbrm will not preclude Lender from exercising any of Lender's oilier rights under the law or this Security Instrument. Leaseholds; Condominiums; Planned Unit Developments. Mortgagor agrees to comply with the provisions of any lease if this Security Instrument is on a leasehold. If the Property includes a unit in a condonfinium or a planned unit develop~nent, Mortgagor will perform all of Mortgagor's duties under the covenants, by-laws, or regulations of the condonfilfium or planned unit development. Condemnation. Mortgagor will give Lender prompt notice of any pending or threatened action, by private or public entities to purchase or take any or all of the Property through conde~mmtion, enfinent domain, or any other means. Mortgagor authorizes Lender to intervene in Mortgagor's name in any of the above described actions or claims. Mortgagor assigns to Lender the proceeds of any award or claim for danmges connected with a condemnation or oilier taking of all or any part of the Property. Such proceeds shall be considered payments and will be applied as provided in this Security Instrument. This assigmnent of proceeds is subject to the terlns of any prior mortgage, deed of trust, security agreement or other lien document. Insnrance. Mortgagor shall keep Property insured against loss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Mortgagor subject to Lender's approval, which shall not be unreasonably wiflflleld. If Mortgagor fails to maintain the coverage described above, Lender nmy, at Lender's option, obtain coverage to protect Lender's rights in the Property according to the terms of this Security Instrutnent. All insurance policies and renewals shall be acceptable to Lender and shall include a Standard "mortgage clause" a~d, where applicable, "loss payee clause." Mortgagor shall inuuediately notify Lender of cancellation or termination of the insurance. Lender shall have the right to hold the policies and renewals. If Lender requires, Mortgagor shall iunnediately give to Lender all receipts of paid premiums and renewal notices. Upon loss, Mortgagor shall give immediate notice to the insurance carrier and Lender. Lender lnay make proof of loss if not made inunediately by Mortgagor. U~fless otherwise agreed in writing, all insurance proceeds shall be applied to the restoration or repair of the Property or to the Secured Debt,. whefller or not then due, at Lender's option. Any,.applica}iolt $tf proceeds to ©1994 Bankers Systems, Inc., St. Cloud, MN Form OCP-BEMTG-WY 10/7/98 [pa.ge 2 of 4) LOANNO.: 80003270 ORIGINAL ~ 7 8 principal shall not extend or postpone the due date of the scheduled payment nor change the amount of ally payment. Any excess will be paid to the Mortgagor. If tile Property is acquired by Lender, Mortgagor's right to any insurance policies and proceeds resulting from damage to tile Property before the acquisition shall pass to Lender to the extent of the Secured Debt inmlediately before the acquisition. Financial Reports and Additional Docnments. Mortgagor will provide to Lender upon request, any financial statement or information Lender may deem reasonably necessary. Mortgagor agrees to sign, deliver, and file any additional documents or certifications that Lender lnay donsider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Instrmnent and Lender's lien status on the Property. DUE ON SALE. Lender may, at its option, declare the entire balance of the Secured Debt to be immediately due and payable upon the creation of, or contract for the creation of, a transfer or sale of file Property. This right is subject to file restrictions imposed 'by federal law (12 C.F.R. 591), as applicable~ 7. DEFAULT. Mortgagor will be ill default if any of the folloWing occur: F(aud. Any Consumer Borrower engages in fraud or material misrepresentation in connection with the Secured Debt that is an open end home equity plan. Payments. Any Consumer BorroWer on ally Secured Debt that is an open end home equity plan fails tO ~nake a payment when due. Property. Any action or inaction by the Borrower or Mortgagor occurs that adversely affects the Property or Lender's rights in the Property. This includes, but is not limited to, the following: (a) Mortgagor fails to maintain required insurance on the Property; (b) Mortgagor transfers the Property; (c) Mortgagor conmfits waste or otherwise destructively uses or fails to maintain the Property such that the action or inaction adversely affects Lender's security; (d) Mortgagor fails to pay taxes on the Property or otherwise fails to act and thereby causes a lien to be filed against the Property that is settlor to the lien of this Security Instrumem; (e) a sole Mortgagor dies; (f) if more than one Mortgagor, any Mortgagor dies and Lender's security is adversely affected; (g) the Property is taken through enfinent domain; (h) a judgment is filed against Mortgagor and subjects Mortgagor and the Property to action that adversely affects Lender's interest; or (i) a prior lienholder forecloses on the Property and as a result, Lender's interest is adversely affected. o Execntive Officers. Any Borrower is an executive officer of Lender or an affiliate and such Borrower becomes indebted to Lender or another lender ill au aggregate amount greater than the amount pernfitted under federal laws and regulations. REMEDIES ON DEFAULT. In addition to any other remedy available under the terms of this Security Instrumentl Lender may accelerate the Secured Debt and foreclose this Security Instrument in a mamler provided by law if Mortgagor is in default. In so,ne instances, federal and state law will require Lender to provide Mortgagor with notice of the right to cure, or otlmr notices and may establish time schedules for foreclosure actions. At the option of the Lender, ali or any part of the agreed fees and charges, accrued interest and principal shall become immediately due and payable, after giving notice if required by law, upon the occurrence of a default or anytime thereafter. Lender shall be entitled to, without lindtation, the power to sell the Property. The acceptance by Lender of ally sum in payment or partial payment on the Secured Debt after the balance is due or is accelerated or after foreclosure proceedings are filed shall not constitute a waiver of Lender's fight to require complete cure of any existing default. By not exercising any rmnedy on Mortgagor's default, Lender does not waive Lender's right to later consider the event a default if it happens again. EXPENSES; ADVANCES ON COVENANTS; ATTORNEYS' FEES; COLLECTION COSTS. If Mortgagor breaches any covenant in this Security Instrument, Mortgagor agrees to pay all expenses Lender incurs in performing such covenants or protecting its security interest in the Property. Such expenses include, but are not limited to, fees incurred for inspecting, preserving, or otherwise protecting the Property and Lender's security interest. These expenses are payable on demand and will bear interest from the date of payment until paid in full at the highest rate of interest in effect as provided in the terms of the Secured Debt. Mortgagor agrees to pay all costs and expenses incurred by Lender ill collecting, enforcing or protecting Lender's rights and remedies under this Security Instrument. Tiffs amount may include, but is not limited to, reasonable attorneys' fees, court costs, and other legal expenses. This amount does not include attorneys' fees for a salaried employee of the Lender. To the extent pernfitted by the United States Bankruptcy Code, Mortgagor agrees to pay the reasonable attorneys' fees Lender incurs to collect the Secured Debt as awarded by any court exercising jurisdiction under the Bankruptcy Code. This Security Instrument shall remain in effect until released. Mortgagor agrees to' pay for any recordation costs of such release. 10. ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As used in this section, (I) Enviromnental Law means, without limitation, the Comprehensive Enviromnemal Response, Compensation and Liability Act (CERCLA, 42 U.S.C. 9601 et seq.), and all other federal, state and local laws, regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the public health, safety, welfare, enviromnent or a hazardous substance; and (2) Hazardous Substance ~neans any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or enviromnent. The term includes, without linfitation, any substances defined as "hazardous material," "toxic substances," "hazardous waste" or "hazardous substance" under any Enviromnental Law. Mortgagor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance is or will be located, stored or released on or in the Property. This restriction does not apply to small quantities of Hazardous Substances that are generally recognized to be appropriate for the nornml use and maintenance of the Property. B. Except as previously disclosed and ac ~knowledged in writing to Lender, Mortgagor and every tenant have been, are, and sllall remain in full compliance with any applicable Environmental Law. C. Mortgagor shall inmlediately notify Lender if a release or threatened release of a Hazardous Substance occurs on, under or about the Property or there is a violation of any Enviromnental Law concerning the Property. In such an event, Mortgagor shall take all necessary re~nedial action in accordance with any Environmental Law. D. Mortgagor shall i~mnediately notify Lender in Writing as soon as Mortgagor has reason to believe there is any pending or threatened investigation, claim, or proceeding relating to file release or threatened release of any Hazardous Substance or file violation of ally Enviromnental Law. ©1994 Bankers Systems, Inc. St. Cloud, MN Form OCP-REMTO-WY 10/7/98 (page 3 of 4) LOAN NO.: 80003270 ORIGINAL [~ 7 9 Ii. 12. 13. 14. ¸15. 16. 17. 18. 19. ESCROW FOR TAXES AND INSURANCE. Unless otherwise provided in a separate agreement, Mortgagor will not be required to pay to Lender funds for taxes and i~zsurance in escrow. JOINT AND INDIVIDUAL LIABILITY; CO-SIGNERS; SUCCESSORS AND ASSIGNS BOUND. All duties under this Security Instrument are joint and individual. If Mortgagor signs tiffs Security Instrument but does not sign an evidence of debt, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debt and Mortgagor does not agree to be personally liable on the Secured Debt. If this Security Instrument secures a guaranty betweeu Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim against Mortgagor or any party indebted under the obligation. These rights may include, but are not linfited to, any anti-deficiency or one-action laws. The duties aud benefits of this Security Instrument shall bind and benefit the successors and assigns of Mortgagor and Lender. SEVERABILITY; INTERPRETATION. This Security hzstrument is complete and fully integrated. This Security Instrument may not be amended or modified by oral agreement. Any section in this Security Instrument, attachments, or any agreement related to the Secured Debt that conflicts with applicable law will not be effective, unless that law expressly or impliedly pernfits the variations by written agreement: If any section of tiffs Security Instrument cam~ot be enforced according to its terms, that section will be severed and will not affect the enforceability of the remaiuder of this Security Instrument. Whenever used, the singular shall include the plural and the plural the singular. The captions and headings of the sections of this Security Instrument are for conveifience only and are not to be used to interpret or define the terms of this Security Instrument. Time is of the essence in this Security Instrument. NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by nmiling it by first class mail to the appropriate party's address on page 1 of this Security htstrument, or to any other address designated in writing. Notice to one mortgagor will be deemed to be notice to all mortgagors. WAIVERS. Except to the extent prohibited by law, Mortgagor waives any right regarding the marshalling of liens and assets and all homestead exemption rights relating to the Property. LINE OF CREDIT. The Secured Debt includes a revolving line of credit. Although the Secured Debt may be reduced to a zero balance, this Security Instrument will remain in effect until released. APPLICABLE LAW. This Security Instrument is governed by the laws as agreed to in the Secured Debt, except to the extent required by the laws of the jurisdiction where the Property is located, and applicable federal laws and regulations. RIDERS. The covenauts and agreements of each of the riders checked below are incorporated into and supplement and amend the terms of this Security Instrument, [Check all applicable boxes] [] Assigmnent of Leases and Rents [] Other .................................................................................................. LEGAL DESCRIPTION [] ADDITIONAL TERMS. VARIABLE RATE: THE INTEREST RATE ON THE OBLIGATION SECURED BY TItIS MORTGAGE MAY VARY ACCORDING TO TIlE TERMS OF THAT OBLIGATION. SIGNATURES: By sighting below, Mortgagor agrees t° the terms and covenants contained in this Security Iustru~nent and in auy attaClunents. Mortgagor also acknowledg6s receipt of a copy of this Security Instrument on the date stated on page 1. (Signature) (Date) KEN R. KULINSKY (Signature) (Date) (Signature) (Date) ~AcKNOWLEDGMENT: ~ ' / ' , _ This instrument was ackuowledged before me this ..~...~.~.0~....~..: .. day of ..... (~.C~)~..~ ...... ~q...~..~..~... by KEN R. KULINSKY AND VICKIE A. KULINSKY (Seal) My connnission expires: (~~ (O SHELLEY ~A,t'~IN.L - NOTN~Y PUBLIC © 1994 Bankers Systems, Inc., St. Cloud, MN Form OCP-R/MTG-WY 10/7/98 (page 4 of 4) LEGAL DESCRIPTION Lot 1 of Block 1 of Hillcrest Subdivision to the Town of Diamondville, Lincoln County, Wyoming as described on the official plat thereof. ALSO A parcel of land in Tract 41 of Resurvey of T21N Rll6W of the 6th P.M., Lincoln County, Wyoming more particularly described as follows' Commencing at Corner NUmber 4 of said Tract 41 and running thence East along the North line of said Tract 41 a distance of 50.43 feet to a point on the west boundary Of Hillcrest Subdivision of the Town of Diamondville, Wyoming, said point also being a point on the easterly right-of- way line of US Highway 30 North; thence N 17012'00'' W, a distance of 77.59 feet to the POINT OF BEGINNING of this description, said point also being the Northwest corner of Block 1 of the Hillcrest Subdivision, said point also being the Southwest corner of the Van Gas Tract; thence S 89o42'00'' E, along the north line of the Hillcrest Subdivision, a distance of 199.13 feet; thence N 11°04'00" W, along the westerly line of First West Avenue of the Town of Diamondville, a distance of 40 feet; thence S 78°42'43.3" W,'a distance of 195.22 feet more or less to the point of beginning of this description. LESS AND EXCEPT land contained in Quitclaim Deed recorded September 21, 1993 in Book 336PR on page 35 of the records of the Lincoln County Clerk. HO'ME EQUITY ACCESS LINE RIDER (Open end credit with [] fixed rate [] variable rate interest) This Equity Line Rider is dated OCTOBER 23 , 2003 , and is an antendment to the Mortgage or Deed of Trust ("Mortgage") of thesame date given by the undersigned, KEN R. KUL1NSKY AND VICKIE A. KULINSKY ('"Borrower") to secure Borrower's Equity Line Agreement with 1 WEST HILLCREST DIAMONDVILLE, WYOMING 83116 ("Lender") of the same date covering the property described in the Mortgage and located at: SECURED FUNDING CORP., A CALIFORNIA CORPORATION In addition to the covm~ants and agreements nmde iu the Mortgage, Borrower and Lender further cove~mnt and agree as follows: 1. The word "Note," as used in the Mortgage and this Rider, refers to the Home Equity Access Line Agreement. The Note evidences an open end revolving line of credit agreement between Borrower and Lender under which future advances may be made. The amouut stated in the Mortgage as the principal sum of the indebtedness is the credit limit for the liue of credit. All advances made at any time by Lender in accordance with the terms of the Note, and all interest on the advauces, shall be secured by the Mortgage. However, at no time shall the principal amount of the indebtedness secured by the Mortgage, not includiug sums advanced in accordance with the Mortgage to protect the security of tine Mortgage, exceed the stated credit limit for the li~te of credit. The Note provides for: [] a fixed rate of interest expressed as a daily periodic rate of %. This corresponds to an mmual percentage rate of %. a variable rate of interest expressed as a daily periodic rate equal to 1/365 of an actual rate of 3.850 % plus the "Index Rate., The daily periodic rate may increase if rite highest prime rate published in The Wall Street Journal "Money Rates" table (the "Index Rate") increases. The initial daily periodic rate is .0215 %. which corresponds to an initial ammal percentage rate of 7.850 %. The annual perceutage rate will never be more than 18.000 %. The daily periodic rate will be adjusted on the day the Index Rate changes. 'An increase in the daily periodic rate nmy increase fine monthly payment due. NOTICE: THIS MORTGAGE SECURES CREDIT IN THE AMOUNT OF 50,000.00 LOANS AND ADVANCES UP TO THIS AMOUNT, TOGETItER WITH INTEREST, ARE SENIOR TO INDEBTEDNESS TO OTHER CREDITORS UNDER SUBSEQUENTLY RECORDED OR FILED MORTGAGES AND LIENS. ~ U Date Date ~KTE A. ~(UL~NsKY KEN R. KULINSKY VI Date Date HOME EQUITY ACCESS LINE RIDER DOCPREP SERVICE& INc. BORM - WFACCESS-2141 LOAN NO.: 80003270 ORIGINAL