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Home My WebLink About20101079.tiff JUN'1b-.LUUI NUN u4allfrn ,on ,,,,. • .. —. OMB NO,25020265 1f B TYPE OF LOAN ■NORTH A 1UPHA 2j]FmHA 3.[IicCONV UNINS. 4.OVA 5,DCONV.INS. AMERICAN U.S.D DEPARTMENT 6. FILE NUMBER 17. 1WAN NUMBER TITLE a URBAN DEVELOPMENT 8. MORTGAGE INS CASE NUMBER • COMPANY OF C NOTE The Toni,nmirnenOs K. a emoted of actual eNoned melt Anbeae ptid Ia and b Like Clockwork' STATEMENT IleseNnet apart en,dluet Iran marked TPOCr ica FSY alelde Is etagp:May are,nowt hem rrinkmetbnal Pxpame end ere net edcd M the eat 1.0 &W (341pe07„ccoa.PFD'941eg NAME AND ADDRESS OF BORROWER E.NAME AND ADDRESS OF SELLER F.NAME AND ADDRESS OF LENDER -nderick A.Deering�` Helen M.Lenehan Market Street Mmleage Corpora :rzabeth K.Deering L7 18690 Weld County Road 17 6025 S.Quebec Street#120 :51 Latimer Street Johnstown,CO 80534 Englewood,CO 80111 .:rover,CO 80202 PROPERTY LOCATION H. SETTLEMENT AGENT 84-1240237 (I.SETTLEMENT DATE 13690 Weld Count/Road 17✓ Nortm American Tile Company of Colorado --ohnstown,CO 80534 ✓ June 20.2007 Veld County,Colorado PLACE OF SETTLEMENT 806 Mountain View Ave.#103 Longmont,CO 80601 J.SUMMARY OF BORROWER'S TRANSACTION K.SUMMARY OF SELLERS TRANSACTION 00. GROSS AMOUNT DUE PROM BORROWER: 490. GROSS AMOUNT DUE TO SELLER: .Con Pri Contact Sales Nee 450,000.00/U1 401. Contract Bales Price ' 490,000.00 02 Per4Ylel Prnneny 4117 Perenlal Poverty 03. Settlement Charges to Borrower(Line 1400) 3.119.89 403. ':4. Re6 Payoft to 404. :6, Roll Payoff to 405. ...Adjustments For Items Paid By Seller in advance Adjustments For Items Paid By Salter in advance "6.City/Town Taxes to 408. Citv?own Taxes to ,i7.County Taxes to 407, County Taxes to too Assessments to 408, Assessments to ,p9. 409. .10. 410. 11. 411. 112. 412. • !27. GROSS AMOUNT DUE FROM BORROWER 493,119.89 420. GROSS AMOUNT DUE TO 9Ft I PR 490,000.00 ',flp. AMOUNTS PAID BY OR IN BEHALF OF BORROWER: 500. REDUCTIONS IN AMOUNT DUE TO SELLER '01.Deposit or earnest money 5.000.004561. Excess Deposit(See Instructions) :02. Principal Amount of New Loan(s) 343,000.00'02, Seffiemenl Charges to Seller(Una 1400) 28,644.00 103 Exlstnn loan/s1 taken sul iert to 603 Existing loan(sl taken sublet to `=14.Lender Credit . 3.001.251,E . Payoff 1st Loan to :i5 505. Payoff 2nd Loan to H6. 508. :707. 507. .Je. 508. "09. 509 Adjustments For Items Unpaid By Seller Adjustments For Items Unpaid By Salver 210.CIN/Town Taxes to I 5 j0. Caty/Town Taxes to ?11.County Taxes 01/01/07 to 08/20/07 531.36 11, County Taxes 01/01/07 to 06/20/07 531.35 212.Asra sments to 512. Assessments to '213. 513. 714. 514. t15. 515. ::16. 516. — 217. 617. _ 218. 518. fig. 519. '1230. TOTAL PAID BY/FOR BORROWER 351,53260 520. TOTAL REDUCE.AMT DUE SELLER 29,175.35 :NO. CASH AT SETTLEMENT FROMITO BORROWER: 800. CASH AT SETTLEMENT TO/FROM SELLER: I 01 Gross Amount Due From Borrower(Line 1201 ' 443.119 89 601. Grua Amount Due To Reiter aloe 4701 490 000.00 .02. Less Amount Pald By/For Borrower(Line 220) ( 361,532.60)602,1.ess Reductions Due Seller(Line 520) ( 29,175.35) 303. CASH(X FROM)( TO)BORROWER 14 , g tog CASH(X TO)( FROM)SSLER 460,824.85 ro THE REST OF MY KNOWLEDGE,THE HU61 SETRBU ATEMENT WHICH I HAVE PREPARED IS A TRUE AND ACCURATE ACCOUNT OF THE 'RINDS WHICH WERE RECEIVED AND HAVE BEEN OR WILL BE DISBURSED BYTHE U IGNED AS PART OF THE SETTLEMENT OF THIS TRANSACnON, ';v • o merman a mpanya o 0 Settlement Agent -RIMMING• TT IS A CRIME TO KNOWINGLY MAKE FALse Ton TO THE INNTIFD STATES ON THIS OR ANY SIMILAR FORM. PENALTIES UPON :CDM/IorlUN CAN INCLUDEA RN AND IMPR5 EN 0NMT, Ton DETAILS SEE:TriLE16 U.S.CODE SECTION 1001&SECTION luta A51kli`3b5`l.&4 e ,eulnaelA¢e4reeou Y ale 2010-1079 P dun 1n zuul nun uR••1 d, • .. __ Pal L SETTLEMENT CHARGES _ 40.TOTAL COMMISSION Based OP Price S 490.000.00 O 5.5000% 26,950,00 ems nom Maori 4v$(AI of Comken(M19700)as Fallon aoNgidIAs se115P5 0005 AT MINOS At • '01.5 13,7 0.00 to Colorado Rural Properties y6P1S4 4T SEn1EMENT r02.5 13,720.00 to Coloradememea Rural Properties 26,9509.0 703.Commission Palo at Samamanl 104. 1a 100.ITEMS PAYABLE IN CONNECTION WTTH LOAN ?LYE Loan Originator Fee % to 302.Loan Discount % to • Km.thereat Fee/Racer of Value to Charles WKnan'- • .5500 POUR -76.00., Md.Credit Report to Factual Data ,7 •4'520.00 POCIB 2.17 •✓ 7:5.Lenders Mspection Fee to ,,d.Mortgage Ins.App.Fee to 17.Assumption Fee to 08.DGcmnenl Prep Fee to Market Snot Mortgage Corpora 415.00 • t2.Food Cart Fee to 1st AFS 10.00 Le O.Tax Service Fee to 1st ARETS 7].00• • _12.AssAamenNNERS Reg.Fee to Markel Snet Mortgage Cornea 4.95,,/ 413. 114. 315. _ 116. 317. _ .118. 919. . 320.YSP J00.ITEMS RE0111RED BY LENDER ro BE PAID IN ADVANCE _111.Interest From 000107 to 0]/01/07 0 5 68.130000/dM ( 11 days %) _ 740.E 4Cl.MOPgage Insurance Premlumlor monthslo sot HaxaN Insurance Premium for 1.0 yeas to Allred Insurance 725.42 304. '_O5. ::001 RESERVES DEPOSITED WITH LENDER ':01.Hazard Insurance 3.000 mantis B $ 60.20 par month 180.80✓ 002 Mortgage Insurance mums B $ Per month 303.City/Town Taxes months B $ Per month ` .004.CountyTaxes 3.000 months 0 5 87.44 Per month 252.32 f/ ,005.Assessments months B $ per month 1006. months B $ par north _ ;007. months B $ Per moth 1008 soar a Adidst:met months B 5 par month r1let TILE CHARGES • '1101.Setemenl or Closing Fee b Norte American Title CompellV l 90.00 r� 50.00 ;1102 Abstractor-Fa Search to North American rite Company i 103.Tips 61minelipn to Noah American 111)0 Company 1109.Tee Instance Binder to North American Tab Company '1105.(aeument Plepamton to North American 11)18 Company 1106.Notary Fees to North American Tee Crogan :1107.AtOmeYs Feel 10 NOM Amstar Title Company (etudes above Gam man beta: ) '1106.Me Insurance In Ned,American The Company 125.00•✓ 1,394.00 (asitvav above item numbers: ) ',109.Lenders Coverage $ 343,000.00 125.00 '110.Owners Coverage $ 490.0x0.00 1,394.00 _ , 'x111.End(s)8.1.100 to North American TNe Company 100.00 1— =112.Em(s1130.0 to North American The Company 50.00 t.113.overnight/Courier Fees to NorthAmerioen Tine Unbent/ 25.00✓ .1114.Wee/CC/Adm Checks/VOA to North Amoroso Tide Company to.D6 .515.Release Tnmkb9 Fee North American TIM Company -:116.Tex Statement Fee to North Amerasn Tile Company 25.00 .1117.Loan Closing Fee N North American TAM Company 189.Capt/ .:il 8.E-dar/CEpy Fee to North American Tile Company (3G , .1200.GOVEWW ENT RECORDING AND TRANSFER CHARGES 1201.RemNing Fees: Deed $ 800;Mortgage 5 91.00; Releases$ 97.00✓- _ 1202.Gly/CaunM Tax/Stamm Documentary Fee :Mortgage 11203.Slate Tax5Bmpa: Deed 49.00:Mortgage 49,60 V •1204.Renaming Escrow to Weal Clerk&Recorder 50.00[/ ;1205.Miscelaneaus RecoNings Web Clark&Recorder 1300.ADDITIONAL SETTLEMENT CHARGES '1301.Survey to ;1302.Pest lnspeclon to -1303.Defeated Water Final to Ube Thompson Water Dahlcl 150.00 1304.ETransmbelon Fees NATANeld Clerk&Recorder .1305.Reserved for Adrltluai Dtshur 'i400.TOTALSETIT.EMENT CHARGES(Enter opines 103.Section.1 and 502 Seddon K) 3,119.89 22644.00 5TMeeooaned brim mama aria er madaamwd se r52 cent euwtiago TO Ina n.m of IP x a tea sic mamma.!wait ;!HAVE CAREFULLY nemixd13 THE KPH SETTLEWNT ar atrn51MnsON W s ACCa CP 0 PAS IN,IRPPEP CERTIFY i� r ANDVE RECEIVED A COPT OF PIE 11UO.1I srrrrnal.M lEMENT. o •i eontwer Salbr Frp•AP4k A Dealing Helm N.Langton • r Elizabeth K Deering.— • ($1004].003)11 541007-001]151 t 4 • MARKET STREET MORTGAGE CORPORATION June 19,2007 Frederick A.Deering and Elizabeth K.Deering 18690 WCR#17 Johnstown,CO 80534 Dear Frederick A.Deering I want to take this opportunity to thank you for allowing us to process your recent mortgage , .application. We at Market Street Mortgage Corporation strive to give you the very best possible service. I am enclosing a questionnaire that I hope you will take a moment to fill out and tell us if we lived up to that level of service. • Again,I thank you for letting us serve you. Sincerely, Sandra Pettinger Branch Manager • • LOAN SURVEY COVER LE I tR 10/03 2220001 1111111111111 IWill Market Street Mortgage Corporation We'd like to know... • 1. How would you rate the Market Street employee who took your mortgage loan application? Excellent Good Fair Poor `Professional presentation 4 3 2 1 `Courtesy and friendliness 4 3 2 1 'Knowledge of Market Street products and services 4 3 2 1 'Ability to clearly explain Market Street products and services 4 3 2 1 'Ability to resolve problems 4 3 2 1 'Responsiveness to requests during loan processing 4 3 2 1 'Timeliness of service 4 3 2 1 Comments: 2. How would you rate the Market Street employee who processed your mortgage loan application? Excellent Good Fair Poor 'Courtesy and friendliness 4 3 2 1 'Responsiveness to inquiries 4 3 2 1 'Timeliness of service 4 3 2 1 'Knowledge of Market Street loan requirements 4 3 2 1 `Questions answered to your satisfaction 4 3 2 1 Comments: a How would you rate the Market Street experience overall? Excellent Good Fair Poor 'Courtesy and friendliness 4 3 2 'Ability to clearly explain procedures and documents 4 3 2 'Responsiveness to requests 4 3 2 'Ability to resolve problems 4 3 2 'Accuracy of service 4 3 2 'Timeliness of closing 4 3 2 'Questions answered to your satisfaction 4 3 2 `Calls returned promptly?(Our goal:return calls within 90 minutes) 4 3 2 'Emails answered promptly?(Our goal: reply within 90 minutes) 4 3 2 Comments: 4. Were your loan charges(less than),(the same as),(more than)the final estimate?(Please circle one) • 5. Would you recommend Market Street based on your experience? Yes,without reservation Yes,with some reservations _No,would not recommend Name and phone number of someone you know that would benefit from our services. Comments: 6. What is the single most important thing we could do to improve our service? Comments: Were you kept informed during the process? (Please circle one) Yes No 7. What led to your decision to choose Market Street as your lender? _Previous Market Street Customer Referral from Market Street Employee _Referral from friend,relative or business associate _Yellow Pages _Referral from Realtor _Advertising—TV,Radio, Newspaper or Magazine _Referral from Builder or Developer _Internet _Other(Specify) 6. If your phone number is changing, please provide us with your new phone number Please provide us with your email address 9. If you are a first time buyer,what surprised you most about applying for a mortgage? Comments: 10. If one associate stood out during your experience with Market Street,we would love to hear about it. Please provide the name of the associate and tell us how their actions set them apart: Thank You Very Much!! Market Street Mortgage Corporation P O Box 22128 • Tampa, FL 33633-0345 Veering/1000664033 Niwot Sandra Pettinger / 12/31/99 / Cathy Fischer / Michelle Stephenson Cr • MARKET STREET MORTGAGE CORPORATION GOOD FAITH ESTIMATE DATE: June 19,2007 LOAN NO.: 1000664033 BORROWERS: Frederick A.Deering and Elizabeth K.Deering • PROPOSED LOAN: Conventional 10-30 Year Fixed PROPERTY ADDRESS: 18690 WCR#17,Johnstown CO 80534 APR: 7.2733% SALES PRICE: $490,000.00 BASE LOAN AMOUNT: $343,000.00 LOAN AMOUNT: $343,000.00 The information provided below reflects estimates of the charges which you are likely to incur at the settlement of your loan. The fees listed are estimates—the actual charges may be more or less. Your transaction may not involve a fee for every item listed. The numbers listed beside the estimate generally correspond to the numbered line contained in the HUD-1 or HUD-IA settlement statement which you will be receiving at settlement. The HUD-1 or HUD-IA settlement statement will show you the actual cost for items paid at settlement. We estimate that you are likely to incur the following settlement charges: ESTIMATED CLOSING COST ESTIMATED PREPAID ITEMS 800 Items Payable in Connection with Lean 901 $ 749.43 Interest for 11 des (s) @ B03 $ 425.00 Appraisal Fee / Recert of Value" $68.1300day (s) (000-5) per day 903 $ 722.42 Hazard Insurance reservm 804 5 22.17 Credit Report' $20.00 (IOC-e) 1001 $ 180.60 3aartl insurance reserves for 814 $ 415.00 Document Prep p p rep tee 3 ayment(s) @ $60.20 816 5 10.00 Flood Cart Fee' 1004 $ 262.32 County property tax reserves 817 $ 77.00 Tax Service Fee' for 3 payment(s) @ 587.44 1.100 Title Charges 1101 $ 270.00 Settlement or closing fee 1108 S 125.00 Title Insurance 1111 $ 25.00 Courier/Mail Fee 1112 $ 100.00 Title Update/Processing/Endorsements TOTAL EST.PREPAID ITEMS $1,914.77 1119 S 25.00 Tax Information Services 1200 Covernaont Recording and Transfer Charges ESTIMATED MONTHLY PAYMENTS 1201 $ 97.00 Recording fees Principal s Interest Payment @ 7.2500 $2,339.86 1202 $ 49.00 City/county tax/stamps 1204 $ 4.95 Assignment/HERS Reg. Fee Other Financing 50.00 Estimated Hazard Insurance $60.20 1300 Additional Settlement Charges Estimated Flood Insurance $0.00 Estimated Windstorm Insurance $0.00 Estimated MI Premium $0.00 Estimated Real Estate Taxes 587.44 Estimated other $0.00 • TOTAL EST.MONTHLY PAYMENT $2,487.50 ESTIMATED AMOUNT DUE AT CLOSING Purchase Price $490,000.00 Refinance / Payoffs Estimated Closing Costs $1,645.12 Estimated Prepaid Items $1,914.77 Less Adjusted Loan Amount -1 $343,000.00 TOTAL CLOSING COSTS 51,645.12 Less Other Financing (-) 60.00 NOTE: The Lender will require the use of the providers shown on lie Less Cash Deposits (-) $0.00 attached list.The estimated charges for these providers are based on their Lees Amount Paid by seller (-) $0.00 normal charges. Less Lender Credit (-) 53,001.25 Less Other Credit (-) $520.00 NOTE:"The Lender will require the use of a particular provider from a Less Amounts Poc (-I Lender approved list. The range of costs for these providers is shown or the 5520.00 Ceod Faith Estimate. TOTAL ESTIMATED DUE AT CLOSING $146,519.64 These estimates are provided pursuant to the Real Estate Settlement Procedures Act of 1974,as amended(RESPA). Additional information can be found in the HUD Special Information Booklet"SETTLEMENT COSTS",which was provided to you by your Loan Officer or was famished to you with your Application Package if your application is to purchase residential real property and the Lender will take a first lien on the property. This Booklet provides additional information about closing costs. If your loan is approved,it will also help you understand the settlement statement you will receive when the loan is closed. Frederick A.Deering Date Elizabeth K.Deering Date Date Date By: Market Street Mortgage Corporation Good Faith Estimate Rev.I/07(dct) 1006001 • III III III 1111111111111 JUN-15-2007 FRI a All FAX N0. • P. 01/01 ®NORTH AMERICAN • TITLE ®COMPANY Like Clockwork' Effective 01101/2007 LONGMONT (34100) 303-346-5242 SOFTPRO Wire Transfer Instructions • Escrow Account Wire to: Comerica Bank 333 W. Santa Clara St. San Jose, CA ABA 121137522 Credit to: North American Title Company of Colorado • • Account No.: 1893034262 Reference REQUIRED: Commitment Number 313\n 4jt\_(ffSra • . Borrower's Name V, 1 ,‘,hpu\c\c:\ Property Address \ \4 * n E-]fail for documents: co.lm€nardacs.com S �1 QiCt)) North American Ills Company,Inc. 606 Mountain View Avenue.Suite 103, Longmont,CO 60501 (303)682.8900 FAX(303)682-8980 • JUN-15-20U F.:51 Ali FAH N0. • P, 01/01 ®NORTH • AMERICAN TITLE ®COMPANY Like Clockwork` Effective 01101(2007 LONGMONT (347 00) 303-346-5242 SOFTPRO Wire Transfer Instructions Escrow Account Wire to: Comerica Bank 333 W. Santa Clara St. San Jose, CA AEA: 121137522 Credit to: North American Title Company of Colorado • • Account No.: 1893034262 Reference REQUIRED: Commitment Number 3l..\\04-n_Uskt-c . Borrower's Name (cia9%\ � pu� Property Address \gam` . �y n [-Hail for documents; coAm@natOoca.coot - _ -t V North American Title Company.Inc. 606 Mountain View Avenue.Suite 103. Longmont,CC 80501 (303)662.8900 FAX(303)682-8980 • PAYMENT COUPONS PIEASEC fT ALONG DOTTED UNE #1 C 1000664033 08/01/07 Z487.50 50 C Market Street Mortgage Corporation Ifed' Bt• f �P6R�Oa.,nt O P.O.Box 22128 0 Tampa,FL 33822-2128 U ADDITIONAL AMOUNTS REMITTED: U P Frederick A. Deering Principal. $ P Escrow: $ 0 Elizabeth K Deering Late Charge: $ Other $ 0 N ma Ens is a deer collector attempting to mad a aes Any Total Endosed: $ N Wormer ton we obtain will be used for that p pcaa 1000664033 -- PtEA$ECUTALOM0000TTTTyEDDUNE MikjiiiiniariiiiiiMetag#2 C 1000664033 2,487.50 q._ ._a s: _. _. C Market Street Mortgage Corporation �.. ....... �_,,._gym-.1 O P.O.Box 22128 0 Tampa,FL 33622-2128 U ADDITIONAL AMOUNTS REMITTED: U Principal: $ P Frederick A. Deering Escrow: $ P Elizabeth K Deering Late Charge: $ 0 Omer $ 0 N This mm to a debt aeon.aaamstno to mrex a mu. My Total Enclosed: $ N • inhmelbn we Manmil be used&OWpuoc a 1000664033 PLEA SE CUTALONS DOTTED UNE You should mail your payment coupon alongwith your check to Market Street Mortgage Corporation, P.O. Box 22128, Tampa, FL 33622-2128 If you have any questions please call our customer service department at (800)795-5888 . Thank you for choosing Market Street Mortgage Corporation for your mortgage lending needs. WELCOME LETTER 1011003 • MARKET STREET MORTGAGE CORPORATION GOOD FAITH ESTIMATE DATE: June 19,2007 LOAN NO.: 1000664033 BORROWERS: Frederick A.Deering and Elizabeth K.Deering • PROPOSED LOAN: Conventional 10-30 Year Fixed PROPERTY ADDRESS: 18690 WCR#17,Johnstown CO 80534 APR: 7.2733% SALES PRICE: $490,000.00 BASE LOAN AMOUNT: $343,000.00 LOAN AMOUNT: $343,000.00 The information provided below reflects estimates of the charges which you are likely to incur at the settlement of your loan. The fees listed are estimates—the actual charges may be more or less. Your transaction may not involve a fee for every item listed. The numbers listed beside the estimate generally correspond to the numbered line contained in the HUD-1 or HUD-IA settlement statement which you will be receiving at settlement. The HUD-1 or HUD-IA settlement statement will show you the actual cost for items paid at settlement We estimate that you are likely to incur the following settlement charges: ESTIMATED CLOSING COST ESTIMATED PREPAID ITEMS 800 Items Payable in connection with Loan 901 $ 799.93 Interest for 11 dayls) 803 $ 425.00 Appraisal Fee / Recert of value"' $68.1300 per day $500.00 (eoC-B) 903 $ 722.42 Hazard Insurance Premium 804 $ 22.17 Credit Report. $20.00 (POC-8) 1001 $ 180.60 Hazard insurance reserves for 814 $ 415.00 Document Prep Fee 3 payment(s) @ $60.20 816 $ 10.00 Flood Cert Fee" 1004 $ 262.32 County property tax reserves 817 $ 77.00 Tax Service Fee' for 3 payment(s) @ $87.44 11'00 Title Charges 1101 $ 270.00 Settlement or closing fee 1108 $ 125.00 Title Insurance 1111 $ 25.00 Courier/Mail Fee 1112 $ 100.00 Title Opdate/Processing/Endorsements TOTAL EST.PREPAID ITEMS $1,914.77 1119 $ 25.00 Tax Information Services 1200 Government Recording and Transfer Charges ESTIMATED MONTHLY PAYMENTS 1201 $ 97.00 Recording fees Principal s Interest Payment @ 7.2500 $2,339.86 1202 $ 49.00 City/county tax/stamps in Financing 1204 $ 4.95 Assignment/HERS Reg. Fee Other g $0.00 Estimated Hazard Insurance $60.20 1300 Additional Settlement Charges Estimated Flood Insurance $0.00 Estimated Windstorm Insurance $0.00 Estimated MI Premium $0.00 Estimated Real Estate Taxes $87.44 Estimated Other $0.00 • TOTAL EST.MONTHLY PAYMENT $2,487.50 ESTIMATED AMOUNT DUE AT CLOSING Purchase Price 5490,000.00 Refinance / Payoffs Estimated Closing Costs $1,645.12 Estimated Prepaid Items $1,914.77 Less Adjusted Loan Amount (-1 $343,000.00 TOTAL CLOSING COSTS $1,645.12 Less Other Financing (-) $0.00 Less Cash Deposits I-) $0.00 NOTE:•The Lender will require the one of the providers shown on the attacked list.The estimated charges for these providers are based on their Less Amount Paid by Seller (-) $0.00 normal charges. Less Lender Credit (-1 $3,001.25 Less Other Credit (-I $520.00 NOTE:'•The Lender will require the use eta particular provider from a Less Amounts POC I-) $520.00 Lender approved list The range of costs for these providers is shown an the Gaud Faith Estimate. TOTAL ESTIMATED DUE AT CLOSING $146,51@.64 These estimates are provided pursuant to the Real Estate Settlement Procedures Act of 1914,as amended(RESPA). Additional information can be found in the HUD Special Information Booklet"SETTLEMENT COSTS",which was provided to you by your Loan Officer or was furnished to you with your Application Package if your application ism purchase residential real property and the Lender will take a first lien on the property. This Booklet provides additional information about closing costs. If your loan is approved,it will also help you understand the settlement statement you will receive when the loan is closed. Frederick A.Deering Date Elizabeth K.Deering Date Date Date By: Market Street Mortgage Corporation Good Faith Estimate Rev.1/07(dot) • 1006001 IIIII 1111111111III IIII Nature of Lender's Relationship with Providers: Lender has required borrowers to me services of the following providers over the last 12 months: CREDIT REPORTING AGENCIES • Provide informational reports which assist the Lender in determining applicants'ability and willingness to repay their credit obligations. This fee includes the cost of the credit report which ranges from$15.00 to$65.00. (The Lender may select one or more agencies.) Acrenet American Reporting Corp CBS Informations Solutions CBBR(Credit Bureau of Baton Rouge) 521 Maxwell 1008140^Ave NE,Ste B 4 Executive Campus,Ste 200 9489 Interline Ave Spokane,WA 99205-0521 Bellevue,WA 98005 Cherry Hill,NJ 08002 800.304-1249 425-644-9900 886-23]. 800-9 Rouge,- LA 70809 18]2 800.925-080022 CBC Companies CBC Innovis CBMS(Credit Bureau Mortg Svcs) Chicago Title Credit Services,Inc. 250 East Town SI 875 Greentree Rd#8 Pkway Ctr 225 Commerce Place 918 Ulster Ave Columbus,OH 43215 Pittsburgh.PA 15220 Greensboro,NC 27402 Kngstn,NY 12401 614-222.5852 412-503-9406 800449-0252 800-322-380 x55 CIS Inc. Credit Bureau of Columbus GA Credit Bureau of San Joaquin CO Credit InfoNet 227 Rolle#205 ]0320•St 217 North Joaquin San Flanders,NJ 07830 7 935 East ,LA 51 Columbus, 31904 0-Non,CA 952]2 973-927-0225 800-395-2771 800-399-2400 Davenport W 52a07 318-4465556 Credit Plus Credit Services Group Credit Technologies Equifax Mortgage ices 31550 W nterplaoe Parkway 55 West 22'St.,Ste 310 40480 Grand River ve,Ste H 1800 Peachtree St I NW Mainfo il5 p] Salisbury,MD 21801 Lombard,IL 0148 Novi,MI 48315-2874 Manta.GA 30309 800-258-3488 600-588-0052 800-(]3130 800-)89J065 Executive Reporting Services FlservlCredatar First American CREDCO INFO/SUR/ACE 10920 SW Barbur Blvd,Ste 150 6350 Laurel Canyon Blvd 12395 First American Way 010 Dawson Blvd Portland,OR 97219 North Hollywood CA 91608 Poway,CA 92084 Norcross,GA 30093 03-244-6660 00.]57-8569 eeaz94ssae nw16-0eT] Information Network Informative Research International Reporting&Co.Inc. Kroll Factual Data 4344 Latham St.Ste 110 13030 Euclid St,Ste 207 9838 Old Baymeadlwm Rd PMB30 5200 Hahne Peak Dr Riverside,CA 92501 Garden Grove,CA 92843 Jadtsonville,FL 32256-8101 Loveland,CO 80538 800.]86]025 ]144362855 871-286.3191 800-294-5566 Land/menca Credit Sneers LandSale,Me. Memphis Costumer Credit Assn Merchant's Credit Bureau 2 Concourse Parkway,Ste 400 1515 Walnut Grove Ave 4068 Summer Ave 18 Park of Commerce Blvd Atlanta,GA 30328 Rosemead,CA 91770 Memphis,TN 38122 Savannah,800-4227680 800-477-1692 800-2835052 800-932-7934 31405 Midwest Norte.Credit Svcs,Inc. Mortgage Credit Reports Mortgage Fax Inc. NCO Financial Systems 1714 Paramount 1430 JOH Ave,Ste L 12792 Valley View SL,Ste AB-1 101 Overlook Dr Waukesha,WI 53166 Baltimore,MD 21227 Garden Grove,CA 92645 800.50568.55 800-627-5383 ]14499-2655 80MAurore1IL 50542 00.92%891 Old Republic Credit Services One Source Credit Reporting Personal Reporting Bureau Pyramid Mortgage Svcs,Inc. 29 East Madison,Ste 1010 13405 Northwest Freeway,Ste 124 Twining Road,Ste 212 1000 East Apache Blvd,Ste 215 Chicago,IL 60602 Houston,TX 77040 Dresher,PA 19025 Z 85281 888-895-5145 8884504262 800.729-5645 602.73.9151 • 602.]31-9151 6S010Dat The CreditNetwork 1801 Rockland Jon 8010 Dawson Blvd 15 Honed St 101 RKeard Road,Ste 200 N 0-909-1 GA 30093 Framingham,MAWilmington,DE 19803 800.989-1058 508-875-5266 302-4334048 TAX SERVICE Obtains real estate property tax bill and presents it to the Lender for payment prior to the delinquency date or provides the lender with a notice of delinquent taxes when the borrower fails to pay the teal estate properly tax bill prior to the delinquency date. The Lender will require the use of: Firs American Real Estate Tea Service(FARATS) 8435 Stemmata Freeway Dallas,TX]524]-3907 (80)2294246 MORTGAGE INSURANCE PREMIUM Insurance policy,paid for by the borrower,which reduces the Lenders risk in the event the borrower defaults on the mortgage repayment. (The Lender will select one.) United Guaranty'marline.Co Mortgage Guaranty leauraaa Cu Radial Guaranty tar. Canal Elecebie Mortgage banana Cu. P.O.lox 21367 P.O.Box 488 P.O.Box 8500.54793 1 (�b�orvo,NC 27420 Milwaukee,WI 53201 PNIadelphis,PA 1917B-4793 Ridden,NC 27619 (80)5569900 (800)2354218 (S00)334-9270 PMI Mortple Insurance Co RMIC TRIAD P O.Box 60000 P.O.Box 2514 5901-A Peach Tree-Dunwood Rd,6130 San Francisco,CA 94160.1538 Winston-Salem,NC 2)102 Atlanta GA 30328 (800)288-19]0 (800)999-7642 (800)831.2296 FLOOD CERTIFICATION Peuwdrloan.to adhe vise the Lender Lender sfor anon a to whether a popery is in aFl ca ood re as dot ennined by the Federal Emergency Management Association(FEMA),Monitors the property far the life of the y changes le the initial determination.The Lender will require the use of: Fat America Flood Data Services 11902 Unmet Road Austin,TX]375&2902 (800)441.17!2 ATTORNEY DOCUMENT PREPARATION AND REVIEW U.Daniel&Associates,P.C, Pelvosley&edta4 LLP. 5900 Memorial Drive,Suite 216C One Forum,Sixteenth Floor 80001.K 10 Wen Ronson,Tx]]001 San Antonio.TX 78230-3892 (032)476-416i (210)3494488 • Required Providers Rev.5/07(gld) 1397001 ling Inn IIII III Nature of Lender's Relademhip with Providers: Lender has required borrowers to use services of the following providers over the last 12 months: CREDIT REPORTING AGENCIES • Provide informational reports which assist the Lender in determining applicants'ability and willingness to repay their credit obligations.This fee includes the cost of the credit report which ranges from 515.00 to 565.00. (The Lender may select one or more agencies.) Acnnet American Reporting Corp CBA Inrmmatione Solutions CBBR(Credit Bureau of Baton Rouge) 521 Maxwell 1008140'Ave NE,Ste 6 4 Executive Campus.Ste 200 9489 Interline Ave Spokane.WA 99205-0521 Bellevue,WA 96005 Cherry HIII,NJ 08002 Baton Rouge,LA 70809 800-304-1249 4254144.9900 068-237-1672 800-925-4902 CBC Companies CBC Innovis CONS(Credit Bureau Moltg Svcs) Chicago Title Credit Services,Inc 250 East Town St 875 Greentee Rd let Posey Ch 225 Commerce Place 918 Ulster Ave Columbus,OH 43215 PMsburgh,PA 15220 Greensboro,NC 27402 ICngstan,NY 12401 514-2223552 412.5503-9406 8004490282 800-322-3860 x55 CIS Inc Credit Bureau of Columbus GA Credit Bureau of San Joaquin CO Credit InfoH9t 227 Route#208 70320'"St 217 North San Joaquin 935 East 53i°St Flanders,NJ 07836 Columbus,GA 31904 Sbtldon,CA 95272 Decamped,LA 52807 973-927-0225 800-395-2771 800-399-2400 319-445-5556 Credit Plus Credit Services Group Credt Technologies Equifax Mortgage Info Services 31550Wntealae Parkway 55 West 22i°St.,Ste 310 40480 Grand River Ave,SteH 1600 Peachtree St NW Mail Stop? Salisbury,MD 21801 Lombard,IL 80148 Neil,MI 48375-2874 Atlanta,GA 30309 800-258-468 800588.0052 800-473-1380 600-769-4065 Executive Reporting Services FMerv/Crwds*r First American CREDCO INFOISMRIACE 10920 SW Barbur Blvd,Ste 150 6350 Laurel Canyon Blvd 12395 Hat American Way 6010 Dawson Blvd Portland,OR 97219 North Ha10mood,CA 91805 Poway,CA 92064 Norcoes,GA 30093 5052448880 800.7674589 800-2945566 770-416-6877 Information Network Informative Reeeaarch Intemmlonel Reporting&Co,Inc. Kroll Factual Data 4344 Latham St,Ste 110 13030 Euclid St,Ste 207 9838 Old Baynteadoxs Rd PMB383 5200 Hahne Peak Dr Riverside,CA 92501 Garden Grow,CA 92843 Jadmonele.FL 32256-8101 Loveland,CO 80538 800.788.7025 714-8392855 877-288-3191 800-2945586 Landmmdca Credit Serietsa Landsafe,Inc. Memphis Consumer Credit Assn Memhanra Credit Bureau 2 Concourse Parkway.519400 1515 Walnut Grow Ave 4088 Summer Ave 18 Park of Commerce Blvd Atlanta,GA 30326 Rosemead,CA 91770 Memphis,TN 38122 Savanna GA 31405 600-422-7680 800477-1692 800.2835052 800-932-7931 MidwestMortg.Credit Svcs,Inc. Mortgage Credit Reports Mortgage Fax Inc NCO Financial Systems 1714 Paramount 1430 JON Ave,Ste L 12792 Valley Vew St,Ste AB-1 101 Overlook Dr Waukesha,WI 53186 Baltimore,MD 21227 Garden Grove,CA 92845 North Aurora,IL 60542 000-505-6855 800-527-5363 714-899-2856 806825-6691 Old Republic Credit Services One Spurts Credit Reporting Personal Reporting Bureau Pyramid Mortgage Sacs,111[- 29 East Madison,Ste 1010 13405 Northwest Freeway.Ste 124 Twining Road,Ste 212 1000 East Apache Blvd,Ste 215 Chicago,IL 80602 Houston,TX 77040 Dresher,PA 19025 Tempe,.A2 85281 889895-5145 688.480-4262 800-7298645 802-731-9151 • Systemel The Credit Network Trsneunlon 6010 Dawson Blvd 15 Howard S 1801 Rockland Road Ste 200 Norcross, Framingham,MA 01091 Wilmington,DE 19803 800--989-1056 508-875-5268 302-433.8046 TAX SERVICE Obtains real estate property tax bill and presents it to the Lender for payment prior to the delinquency date or provides the lender with a notice of delinquent taxes when the borrower fails to pay the real estate property tax bill prior to die delinquency date.The Lender will require the me of nest American Real time Tea Sella(MEATS) 8435 Stemmas Freeway Dell,TX 75247-3907 (800)229-8246 MORTGAGE INSURANCE PREMIUM Insurance policy,paid for by the borrower,which reduces the Lender's risk in the event the borrowerdeMults on the mortgage repayment. (The Lender will select one.) United Guaranty Iuonoa Co Mengel.Gueneer[money Ce Sad`.Guaranty loo General Electric Mea$aae lessen:Ca P.O.box 21367 P.O.Box 488 P.O.Bee 8500.54793 P.O.Box 177800 Oemsbem,NC 27420 Milwaukee,WI 53201 Philadelphia PA 19178-4793 Raldgh.NC 27619 (800)3344936 (800)558-9900 (800)2314218 (800)334-9270 PMI Mortgage Iewreoa Ce RMIC TRIAD P.O.Box 60000 P.O.Box 2514 5901-A Ponca Tresdmwood Rd.0130 San Frmdmo,CA 94160-1538 Winsten4den,NC 27102 AtJS GA 30328 (800)288.1970 (800)999-7642 (800)832-2296 FLOOD CERTIFICATION Preside the Lend r with(demotion onto whether a properly is in a Rood ease as determined by the Federal Emergency Management Anocidun(FEMA).Monitors the properly for the life of the lam,to advise the Lender of any changes to the initial&senniude..The Lender will require the me of. Pint Americas Road Dora Services 11902 Burnet Road Austin,TX 73758-2902 (800)447-1772 ATTORNEY DOCUMENT PREPARATION AND REVIEW R.J.Daniel&Assodata,P.C. Pelresky&Betel,LL.P. 5900 Memorial Drive,Suite 216-C One Forum,Sistmnth Floor 80001.H.10 West Houston,TX 77007 San Antonio,TX 78230-3892 • (832)4764161 (210)349-4488 Required Providers Rev.5107(gld) 1397001 111111 Ilul IIIII IIM illl I II FEDERAL TRUTF LENDING DISCLOSURE STATEME• 06/20/2007 wers APPLICATIO 1000664033 LOAN*. 1000664033 Frederick A. Deering Market Street Mor Elizabeth K. Deering 1325 Dry Creek Drive,e Unitp102tion Longmont, CO 80503 Property 88 North Casey Rey Rd. • Osprey, FL 34229 • 18690 oNCRwn MCo Johnstown, CO 80534 17 Itemization of Amount Financed $ 341,448.62 Total amount financed $ 341,448.62 8E FIRST PAYMENT FOR YOUR onventional 10-30 Year Fixed $ 415.00 Document Prep Fee $ 10.00 Flood Cart Fee Fox: $343,000.00 $ 77.00 Tax Service Fee AT: 7.250000% $ 749.43 Interest Ica NILL PAY OFF 324 360 PAYMENTS $ 270.00 Settlement or closing tee $ 25.00 Courier/Mail Fee IS BROKEN DOWN AS FOLLOWS: $ 4.95 Assignment/NERS Reg. Fee $ 1,551.38 Total prepaid finance charges $ 1,551.38 $ 425.00 PRINCIPAL a/OR INTEREST $ 2,339.86 Appraisal Fee / Recert of Value 4 22.17 Credit Report '$ 722.42 Hazard Insurance Premium rtgage Insurance 0.00 $ 180.60 Hazard insurance reserves $ 262.32 County property tax reserves $ 125.00 Title Insurance axes and Assessments 87.44 $ 100.00 Title Update/Processing/Endorsements $ 25.00 Tax Information Services Insurance 60.20 $ 97.00 Recording fees 8 49.00 City/county tax/stamps $ 2,008.51 Total amount paid to others TOTAL PAYMENT $ 2,487.50 LOAN AnUNT 8 343,000.00 ANNUAL I FIE Amount Financed PERCENTAGE Total of Payments --.� meeman[d ore neamwxouhaen e The doles amount v'pro beomyw«an paid saw you have maje P''as;yy adY,�creak neaeeewYimd w+ [wra«ay all payments as scheduled 7.2733% $500,907.05 $391,448.62 $842,355.67 Your Payment Schedule Will fie: 359 payments monthly of $2,339.86 beginning August 1, 2007 • 1 payment of $2,345.93 due on July 1, 2037 I Security Interest: You are giving a security interest in the property located at 18490 ormt $17, Johnston, CO 80534. LaPrepayment:Charge: If payment is 15 days late, you will he charged 5.00009 of the payment. you pay off early, you will not have to pay a penalty. Assumption: g you wepay off early, you will not be entitled to a refund of part of the finance charge. This Obligation: will neTbuy aingyour home cannot assume the remainder of the mortgage on the original terms. demand feature. Insurance:You may obtain property insurance from anyone you want that is acceptable to Lender. See your contract documents for any additional information about nonpayment,default,any required repayment in full before the scheduled date, prepayment refunds and penalties. a mtlne an usimale I(We)hereby acknowledge receiving a completed copy of this disclosure. • Frederick A. Deering Date Elizabeth K. Deering Date Date Date Building Details • • Page I of 1 Building Details • Account#: R5239308 Parcel#: 105933200003 Owners Name & Address: Property Address: DEERING FREDERICK A & Street: 18690 CR 17 City: WELD JOHNSTOWN, CO 80534 Additional Owners; DEERING ELIZABETH K B_tjildin9# Prpp_etty.TVpe 1 • Residential Individual Built As Detail Built As: Ranch 1 Story Year Built: 1905 Exterior: Frame Hardboard HVAC: Forced Air Interior Finish: Drywall Built As SQ Ft: 1404 # of Baths: 2 Roof Type: # of Bdrms: 3 Roof Cover: Composition Shingle # of Stories: 1 Rooms: 0 Units: 0 Qarage: Attached SQ Ft: 0 Detached SQ Ft: 0 Basement: Total SQ Ft: 936 Finished SQ Ft: 936 • • http://maps2.memck.com/Website/Weld/setSgl.asp?cmd=query&DET=Building&:acct=R5... 9/21/2009 Building Details • • Page 1 of 1 Building De ta_ ils Account#: R5239308 Parcel#: 105933200003 • O_w_ners,Name& Address: Property Address: DEERING FREDERICK A & Street: 18690 CR 17 City: WELD JOHNSTOWN, CO 80534 Additional Owners: DEERING ELIZABETH K Building# Property Type 2 Out Building Individual Built As Detail Built As: Utility Building Year Built: 1986 Exterior: HVAC: None Interior Finish: Built As SQ Ft: 1440 # of Baths: ' . 0 Roof Type: # of Bdrms: 0 Roof Cover: tt of Stories: 1 Rooms: 0 Units: 0 Garage: Attached SQ Ft: Detached SQ Ft: Basement; Total SQ Ft: Finished SQ Ft: • • hap://maps2.merrick.com/Website/W e1d/setSgl.asp?cmd=query&DET=Building&.acct=Ct5... 9/21/2009 Building Details • • Page 1 of 1 Building Details Account#: R5239308 Parcel#: 105933200003 • Owners Name & Address. Property Address: DEERING FREDERICK A& street: 18690 CR 17 City: WELD JOHNSTOWN, CO 80534 Additional Owners: DEFR:NC ELIZABETH K Building# Property Type 3 Out Building Individual Built As Detail Built As: Barn Year Built: 1987 NVAC: None Exterior: 1008 Interior Finish: Built As SQ Ft: u of Baths: • ' 0 Roof Type: a of Bdrms: 0 Roof Cover: # of Stories: I Rooms: 0 Units: 0 Garage: Attached SQ Ft Detached SQ Ft: Basement: Total SQ Ft Finished SQ Ft: • • http://Inaps2.merrick.com/W ebsite/Weld/setSgl.asp?cmd=query&DET=Building&:acct=R5... 9/21/2009 • • Page I or I Identify Results Land Details •Account#: R5239408 Parcel#: 105933200004 Owners Name & Address; Property Address: DEERING FREDERICK A& Street: 18690 CR 17 City: JOHNSTOWN, CO 80534 Additional QWfer5: DEERING ELIZABETH K Land Type apt Code unit of Measure it at Units Agricultural 4147 Acres 0 Acres Square Ft. Frontage Ft. 6.501 283183.56 0 • • http://maps2.merrick.com/W ebsite/W eld/SetSgl.asp7cmd=query&DET=LAND&acct=R52... 9/21/2009 Identify Results • • Page 1 of 1 Land Details Account#: R5239408 Parcel#: 105933200004 • Owners Name &Address: Property Address: DEERING FREDERICK A & Street: 18690 CR 17 City: JOHNSTOWN, CO 80534 Additional Owners: DEERING ELIZABETH K Land Type Abst Code Unit of.Measure k._of Units Agricultural 4147 Acres 0 Acres Square Ft. Frontage Ft. 2.62 114127.2 0 • • http://maps2.merrick.com/Website/Weld/setSgi.asp?cmd=query&DET=LAND&acct=R52... 9/21/2009 rage Identify Results • • Land Details •Account#: R5239408 Parcel#: 105933200004 Property Address_ EERIN Name R Address:84 Street: DEERING FREDERICK A C 18690 CR 17 City JOHNSTOWN, CO 80534 Additiondl Owners: DEERING ELIZABETH K Abst Code Unit of Measure # of.Units Land Type - - Acres 0 Agricultural 4147 Acres Swore Ft. Frontage. Ft. 0 0.837 36459.72 • • http://maps2.merrick.com/W ebsite,/Weld/setSgl.asp?cmd=query&DET=LAND&acct=R52... 9/21/2009 Identify Results • • rage 1 (it Land Details Account#: R5239408 Parcel#: 105933200004 • Owners NameEL Address: Property Address: DEERING FREDERICK A & Street: 18690 CR 17 City: JOHNSTOWN, CO 80534 ' Additional Owners: DEERING ELIZABETH K Land Type Abst Code Unit of Measure S of Units Agricultural 4167 Acres 0 Acres Square Ft. Frontage Ft. 0.377 16422.12 0 • • http://maps2.merrick.com/W ebsite/W eld/setSglasp?cmd=query&DET=LAND&acct=R52... 9/21/2009 Identify Results • • Page l of i Parcel Summary Parcel#: 105933200003 • Owner: DEERING FREDERICK A & Address: 18590 CR 17 City: JOHNSTOWN State: CO Zip Code: 80534 Account#:R5239308 Additional Owners on this Parcel DEERING ELIZABETH K Detail Information: alLAND • • http://maps2.merrick.com/Website/Weld/setSgl.asp?cmd=getparcel&acct=105933?00003... 9/21/2009 Identify Results • rage 1 or 1 WELD COUNTY ASSESSOR PROPERTY PROFILE • Account#: R5239408 Parcel#: 105933200004 Y Tax Area: 0563 Bordering County: Acres: 10.335 Township Range Section Quart. Sec.: Subdfgiaon.Name Block# Lot# 04 - 67 - 33 - 2 an _ �,,,, Owners Name & Address: Property Address: DEERING FREDERICK A & Street: 18690 CR 17 City: JOHNSTOWN, CO 80534 Additional Owners: DEERING ELI7ABETH K Business/Complex: Sales Summary Sale Date Sale Price Deed Type Reception # $0 Legal Description I PT NW4 33-4-67 LOT B REC EXEMPT RE-4643 • Land Valuation Summary Unit of Number of Assessed Land T e Abst Code Actual Value Value YP Measure Units Agricultural 4147 Acres 6.501 Agricultural 4147 Acres 2.62 Agricultural 4147 Acres 0.837 Agricultural 4167 Acres 0.377 10.335 $169 $60 Land Subtotal: -.. No Buildings on Parcel • http://maps2.merrick.com/Website/Weld/setSgl.asp?cmd=QUERY&DET=PP&pin=10593... 9/21/2009 Identify Results • • rage t ut 1 Parcel Valuation Accounttt: R5239408 Parceitt: 105933200004 • Owners Name &-Address: Property Address: DEERING FREDERICK A & Street: 18690 CR 17 City: JOHNSTOWN, CO 80534 Additional Owners: DEERING ELIZABETH K Business/Complex: Legal Description PT NW4 33-4-67 LOT B REC EXEMPT RE-4643 Land Value $169 Land Assessed Value $60 Irnpr. Value $0 Impr, Assessed Value $0 Total Value $169 Total Assessed Value $60 Bordering County: Tax Area: Township Range Section Quart. Sec. Subdivison Name Block# Lot# 04 - 67 - 33 - 2 Acres:10.335 Land Subtotal _. Sale Price Sale Date Deed Type Reception # $0 • • hap://maps2.merrick.cum/W ebsite/Weld/setSgl.asp'cmd=QUERY&DET=Parcel&pin=10... 9/21/200g rage I UI I. 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' -�• ; L - "'- 7.2.7 - P-V i .• a. rl� r!Kt.� ?a��,,..�� ,'yr1 L �.l- .0a •l_ +,c O1. :i••�' ,55011t. - . . .. + Y'.<:6 Lounty Coluado �A;".:• `�• :ql. •L,.. s �-•.- - .1'74-_ irl:. :t• ,r'.1; .i•.. ..?�-.-_ 1 .r •_. - _ I • 9/24/2009 ht-tp ://maps2.merrick•comlout-put/weldProd_DEN-GS S-1MS236839841893 .jpg NUM 0713112007 12:17P Reid Candy,CO 1 of 2 R 11.00 D OA Moe Memo Clerk&Recorder Frederick A.Deering • 18+040 (Ace 1'1 atgas),Ib(A { This deed being recorded to correct deed at reception 3485583 recorded WARRANTY DEED June 25. 2007 THIS DEED.Made on June 20,2007 between Helen M.tenehen -no ea_ Fe-12' of the County of Weld.Stale of Colorado,wantons),and Frederick A.Deering and Elizabeth K Deering whose legal address Is 18690 WCR 17 Johnstown,CO 80534 of the County of Weld,Slate of Colorado,grantee(s): WITNESS,That the grantor(s),for and in consideration of the sum of Four Hundred Ninety Thousand and 001100 DOLLARS($490,000.00),the receipt and sufficiency of which are hereby acknowledged,have granted.bargained.sold and conveyed,and by these presents do grant,bargain,sell,convey and confirm unto the grantee(s),AS JOINT TENANTS,their heirs and assigns forever,all the real property,together with improvements,if any,situate,lying end being In the County of Weld and State of Colorado,described as follows: see attached legal description as known by street and numbers: 18690 Weld County Road 17,Jdmabwn.CO 80534 TOGETHER with all and singular the hereditament,and appurtenances ter ato belonging,or in anywise appertaining and the reversion and reversions,remainder and remainders,rents,Issues and profits thereof,and apple estate,right,irk,Interest,claim and demand whatsoever of the wantons),either in law or equity,of,in and to the above bargained premises,with the heredltaments and appksenanoes. TO HAVE AND TO HOLD the said premises above bargained and described with the appurtenances, unto the grantee(s),their heirs and assigns forever.And the grantor(s),for themselves,their hairs,and personal representatives,do covenant,grant,bargain,and agree to and with the grantee(s),their heirs and assigns,that at the time of the erseali g and delivery of the presents,they are well seized of the premises above conveyed,had good,see,perfect,absolute and Indsfeastie estate of inheritance,In law,in tee simple,and have good right,full power and lawful authority to grant bargairA sell and convey the sane in manner and farm aforesaid,and that the • same are free and clam from WI former end other grants,bargain,sales,liens,taxes,assessments, encumbrances and restrictions of whatever kind or nature Beaver,except for general taxes and assessments for the year 2007 and subsequent years;and subject to easements. covenants,reservations,restrictions and rights of way of record. The grantor(s)shall and wg WARRANT AND FOREVER DEFEND the above-bargained premises in the quiet end peaceable possession of the grantee(s),their heirs and assigns,against all and every person or parsons lawfully claiming the whole of any pad thereof. Wherever used herein,the plural references shall be construed to be singular references and singular references shall be construed to be plural references where the context requires and all references of gender and person shall be construed to refer to the grantor or grantors identified herein regadess of the context. IN WITNESS WHEREOF,the grantor(s)have executed this deed on the ale set forth above. • He M.Lenehan STATE OF COLORADO 1 SS. COUNTY OF BOULDER 1 ' fQgor omg Instrument was acknowledged before me this__day of EVua1y [JQX7 ) by Helen M.Lenehan. L Witness my had and official .1 My commission expires 34100-07-00973 LGS ' 'to .TARP • wCr erst bikkalMOS 78ts No.921AlMv.te-07 watery Deal(To Josh Tanoria) NORTH AMERICAN TITLE COMPANY OF COLORADO S2ICOOTD.fah1 Roo 1T/9•04 N11111 Nil llIII IINIII14 11III 1101INI VIII • 110 3493841 07131/2007 12:17P Weld County, CO 2 of 2 R 11.00 D 0.00 Steve Moreno Clerk& Recorder • LEGAL DESCRIPTION Lot A of Recorded Exemption No. 1061-16-2-RE 337, according to the map recorded September 14, 1978 in Book 845 at Reception No. 1766592, being a part of the NW 1/4 of Section 33,Township 4 North,Range 67 West of the 6th P.M., County of Weld, State of Colorado Together with any and all gas and mineral rights of any kind now owned by Grantor which are in, on, under and upon and that may be produced together with the rights of ingress and egress necessary to explore for, mine, and remove such gas and other minerals • • (34100-07-00973.PFD/34100-07-00973/59) • • • Return To: Market Street Mortgage Corporation 2650 McCormick Drive, Suite 8200 Clearwater, FL 33759 Prepared By: Michelle Stephenson Market Street Mortgage Corporation 2650 McCormick Drive, Suite #200 Clearwater, FL 33759 Rate Mn tie For Aeeor6ag t3W) DEED OF TRUST MIN 1000169-1000664033-8 DEFINITIONS Words used in multiple sections of this document me defined below and odor words am defined in Satins 3, II, 13, IS,20 aid 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 datedM ine 20, 2007 together with aft Rides to this document • (B)"Borrower"is Frederick A. Deering and Elisabeth R. Deering Borrower is the truer under this Security Instrument. (C)"Leader"is market Street Mortgage Corporation Lender is a Corporation 1000664033 1000664033 COLORADO-Single Family-Feede MalPmddie Mac UNIFORM IN8TRUMB17 WITH MBtS Fem 3000 1101 et 4A(CO)(nowt Pep t"Is WISE VRP Neilson&SYer.t • • • • organized and existing wdethe laws of the State of Florida Lades address is F.O. Box 22128, Tampa, FL 33622-2128 (0)"traske"is the Public Trustee of Cormty,Colorado. (6)"MERS"is Mortgage Electronic Registration Spas, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lets successors and assigns MEIN b the brs&iary under OW 'astronaut.MERS is organized and existing under the laws of Delaware,and has an address and telephone number of P.O.Box 2026,Flint,MI 48501-2026,tel.(888)679-MERS. (F)"Nate"mew the promissory note signed by Bonower and dated June 20, 2007 The Note states that Bon-owe owes Lender Three Hundred Forty Three Thousand and 00/100 Dollars(U.S.S343,000.00 )plat interest.Borrower 1m promised to pay this debt in Payments and m pay the debt in hill not later than only 1, 2037 regular Periodic (G)"Property"mean the property that is described below under the heading "Tawnier of Rights in the Property." (fl)"Iam"mean the debt evidenced by the Note,plus intent,any prepayment charges and late charges due older the Note,aid all sums due der this Security hnpument,plus interest under (I) "Riders"mew all Rides to this Security Instillment that are executed by Ibrrower. The following Riders ate to be executed by Borrower(deck box as applicable]: Adjustable Rate Ride Condominium Ride fyyf��Second Home Rider Ballow Rider Planed Unit Development Ride�j 1-4 Family Rider VA Biweekly Payment Ride �LJJ Otha(s)(specify] (J) "Appliabk Law" means all controlling applicable federal, state and local states, regulation, ordionces and administrative rules and orders(that have the act of law)as well as all applicable final, non-appealabk judicial opinions. (IQ'Communally Association Dan, Fees,and Amsrmaub"means all dues,fees,assessments and other charges that are imposed on Borrower or the Property by a condominium association,homeowners association or similar organization (L) "Eketoase Funds Trader"maw any transfer of funds, other than a l:rema on originated by • check, or similar paper instrument, which is initiated through n electronictejephon c tat,computer,or magnetic tape so as to order,instruct,or authorize a financial institution to debit or"o an account Such tem locket's, but is not limited to,point-of-sale transfers, automated teller matransfers.chine trnnedio s, transfers initiated by telephone, wire transfers, and automated clearinghouse (M)"Escrow Items"means those items that are described in Section 3. (N)"aceesaeous Proceeds"means any compensation,settlement, award of damages,or by any third party(other than insurance proceeds paid under the coverages described in Section5)proceeds paid for(I)damage to, or destruction of the Property; (h)condemnation or other taking of all or my part of the Property;(iii)amveyavee in lien of condemnation;or(iv)misrepresentations value and/or condition of the Property. o�a-omissions as m.the (O)"Mortgage Werance"maw insurance protecting Leader against the nonpayment oo or default on, the Loan. (P)"Petra Payment"mons the agularly scheduled amount due for( Note, any amont nda Section 3 3 of this Security Instrument ,Priaoipai and interest under the 1000664033 1000664033 ist4A(C0)saa)an �'- eau a r° Form 3054 1101 • • • • ft))"RESPA"means the Real Estate Settlement Procedures Act(12 U.S.C. Section 2601 et seq.)and its hnplemathtg regulation, Regulation X(24 C.F.R. Part 3500), as they might be amended from time to time,or any additional or successor legislation or regulation that governs the some subject matter.As used in this Security ltumnneat,'RESPA"refers to all requiremeoh and restrictions that are imposed in regard to a"federally related mortgage lad even if the Loan does not qualify as a"federally related mortgage load under RESPA. (R)"Successor in Intact of Renewer"means any party that has taken title to the Property,whether or not that party has assented Borrower's obligations under the Note anNw this Security Instrument TRANSFER OF RIGHTS IN THE PROPERTY The beneficiary of this Security Instrument is MFRS(solely as nominee for leader and Lender's successors and assign) and the successors and assigns of NIERS.This Security lnmione t seams to Lade.(i)the repayment of der Lan,and all renewals,octoroons and modifications of the Note;and(ii) the perfume=of Borrower' commits and agreements under this Security Instrument and the Note. For this purpose,Borrower, in consideration of the debt and the trust herein orated,irrevocably gams and conveys to Trustee, in trust, with power of sale, the following described property located in the County of Weld [type of Aameisa larfidiceon) [Naoe of Rending ninon] LOT A OP RECORDED EEMI(PTION N0 1061-16-2-RE 337 ACCORDING TO THE NIP RECORDED SEPS100ER 14,1978 IN DOOR 845 AT RECEPTIOM MD. 1766592, HEIRS A PART Of TED NN 1/4 Of 8RCnION 33, TOWNSHIP 4 MORSE, RAM6i 67 862 Of TED GTE P.Y., COUNT? OP MELD, STATE OP COLORADO. • Parcel ID Number: which currently hes the address of 18690 MCR 817 (Seas) Johnston (Caryl,Colorado 80534 ryip Codol ('Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appmtmences, and fixtures new or hereafter a part of the property. All replacements and additions shall also be coveted by this Security Instrument AM of the foregoing is referred to in this Security Instrument as the"Property.'Borrower uderstmds and agrees that MFRS holds only legal title to the interests gamed by Borrower in this Security latrnment,but, if necessary to comply with law or custom,MERS(as nominee for Leeds and t.eoder's successors and assigns)has the right to exercise any or all of those interests,including,but not limited to,the right to foreclose and sell the Property;and to take any anion required of Lender including,but not limited to. releasing and canceling this Security Instrument 1000664033 1000664033 wra JA(CO)nun Mimi ins For 3055 1101 •; • • • BORROWER COVENANTS that Baron is lawfully seised of the estate hereby conveyed and has the right to pant and convey the Property and that the Property is unencumbered,except for encumbrances of record Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any awwnbrances of record and liens Sr taxes for the anent year not yet due and Paroble- TELLS SECURITY INSTRUMENT combines uniform covenants for national me and norwnifonn covenants with limited variations by jutisdictice to constitute a uniform security instrument covering real PrninertY UNIFORM COVENANTS.Borrower and Lenin awennt and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, ad Late Charges. Borrows shall pay when due the principal ot;and interest on,the debt evidenced by the Note and any prepayment charges and late charges due under die Note.Borrower shall also pay fimds for Escrow Items pursuant to Section 3. Payments due under the Note and this Seatty Manned shall be made in US. cmmncy.However,if any check or other integument received by lender as payment under the Note or this Security Instrument is returned to Lender unpaid,Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms,as selected by Lender: (a) oath; (b) money ceder (c) certified check, hank check, unsure?s check or cashier's check,provided any such check is drawn upon an institution whose deposits are insured by a federal agency,instrumentality,or entity;or(d)Electronic Funds Transfer. Payments are deemed received by Landon when received at the location designated in the Note or at such other location as may be designated by Leder in accordance with dm notice provisions in Section 15. Lades may return any payment or panel payment if the payment or partial payments are insufficient to bring the Loan aunt Lender may accept any payment or partial payment insufficient to bring the Loan current,without waiver of any rights rtial payments fide, is not obligated to apply such p or prejudice to its ants at the time paym to u.ene such payment or ents sre accepted If each Periodic Payment is applied as of as scheduled due date,than Leader need not pay interest on u applied fiends.Leda may hold such umapplied funds until Banner makes payment to bring the Loan current.If Bonewer don not do so within a reasonable period of time,Leader shall either apply such funds or return than to Borrower.If not applied earlier,such fads will be applied to the outstanding principal balance under the Note immediately par to fomxlonne.No offset or claim which Borrower might have now or in the figure against Lender shall relieve Burrower from making payments due under the Note and this Security Instrument or performing the covenants and agreemats seated by this Security Instrument 2. Appbeation of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted end applied by Las d shall be applied in the following order of priority.(a)interest due under the roar(b)principal i due under the Notr,(c)amounts due under Section 3.Such payments shall be applied to each Paymnt s the order in which it became due.Any remaining amounts • shall be applied first to late charges,second to any other amounts due under this Security Instrument,and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic 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 one Periodic Payment is emending,Lade may apply any payment received from Borrower to the repayment of the Periodic Payments if,and to the extent that,each Payment can be paid in MR To the cant that any excess exists after the payment is applied to the full payment of one or more Periodic Payments,nth excess may be applied to any late charges due.Voluntary prepayments shall be applied that to any prepayment charges and them a described in the Note. My application of payments,harem proceeds,or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due die,or change the amount,of the Periodic Payment. 3. Fends for fawn That Borrower shall pay to Leader on the day Periodic Payments are due under the Note,umrl the Note is paid in fat,a s®(the"Funds")to provide for payment of amounts due for.(a)taxes and assessment and other items which can attain priority over this Security Instrument as a lien or enambrace on the Property; n)leasehold payments or paved rents on the Property,if any;(0) prcmi ms for any and all insurance required by Leader under Salim 5;and(d)Mortgage insurance premiums, if any, or any ems payable by Borrower to Lade hi lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section It These items are railed "Escrow 100066409E 1000664033 met EgitOA(CO)Peaq.w ass elf on Fenn 3006 net • • • • hens." At origination or at any time during the tam of the Loan,lad may require that Community Association Dun, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow hem.Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section.Borrower shall pay Lanier the Funds for Escrow Items unless Larder waives Bwmwe's obligation to pay the Funds for any or all Escrow Irons. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Bents at any time.Any such waiver may only be in writing.In the event of each waiver,Borrower shall pay directly,when and where payable,the amounts due for any Escrow Items for which payment of Funds has bear waived by Lender and,if Lander requires, shall famish to Lender receipts evidencing arch pq'man within such time period as Leda may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument,as the phrase'covet and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly,purulent to a waiver, and Borrower fails to pay the amour due for an Escrow Item,Lender may exercise its rights wider Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lander any such amount Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Leda all Funds, and in such amounts,that are then required IONS this Section 3. Lander may,at any time,collect and hold Funds in an amount(a)sufficient to permit Larder to apply the Funds at the time specified ads RESPA,and(b)not to exceed the maximum amount a lade 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 Huns or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are purred by a federal agency, ®shxwamlity,or entity(including Lender,if Lender is an institution whose deposits are so insured)or in any Federal Home Loan Bmk.Leda shall apply the Funds to pay the Escrow Items no laser than the tine specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds,annually analyzing the escrow aceonnt,or verifying the Escrow Items,unless Lauder pays Borrower interest on the Funds and Applicable Law permits Lander to make such a charge.Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,Lads shall not be required to pay Borrower any interest or earnings on the Fonda.Borrower and Lender der can agree in writing,however, that interest shall be paid on the Funds.Larder shall give to Borrower, without charge, an awn al accounting of the Funds as required by RESPA. • If there is a surplus of Funds held in escrow,as defined under RESPA, larder shall account to Borrower for the excess funds in accordance with RESPA If mere 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 Lander the amount necessay 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 rids RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Let the amount necessary to make up the deficiency in accordance with RESPA,but in no more than 12 monthly payments. Upon payment in fell of all Sams seared by this Scatty Instrument,Larder shall promptly refund to Barrows any Funds held by Lender. 4. Chuger Lien Borrower shall pay all taxes, ass ssmem, charges, fines, and impositions aadbut ble to the Property which can attain priority over this Security Instrument,leasehold payments or ground rents on the Property,if any,and Commsmity Association Dues,Fees,and Aseeamaam,if any.To the extent that these items are Escrow Items,Borrower shall pay them hr the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority ova this Security Instrument unless 1000664033 1000666033 MS: 4144MC )taata Pages Mrat rata 30011 11111 • • • • Borrower.(a)agrees in writing to the payment of the obligation secured by the lien in a mama acceptable to Lender,but only so mop as Borrower is perfuming such agreenei4(b)contests the lien in good faith by, or defends against enforcement of the lieu in,legal proceedings which in Leader's opinion operate to prevent the enforcement of the lien while those proceedings are pending,but only until such proceedings me concluded;or(c)secures from the holder of the lien 1111 agreanent satisfactory to Lender subordinating the has to this Security Immnaan. If Lender determines that any part of the Property is subject m a lien which can attain priority over this Security Instrument,Larder may give Borrower a notice identifying the lien. Within 10 days of the date on which that nonce is given,Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Leader may require Bxruwa to pay a one-time charge foretell estate tax verification andbr reporting service used by Lender in connection with this Loan. 5.Property lasnace. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the term"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('mdudkhg deductible levels)and for the periods that Lerida requires. What Lander requires pmarant to the preceding sentences can change during the tam of the Loan. The insurance carrier providing the inseam shall be chosen by Brower subject to Lender's right to disapprove Borrower's choice, which right shall net be exercised unreasonably. Leda may require Borrower to pay, in connection with this Loan, either (a) a onetime charge foe flood one determination, certification and tracking savicq or(b)a onetime charge for flood zone determination and certification services and subsequent charges each time remappmgs or similar changes occur which reasonably might affect such determination a 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 zero 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. Lander is under no obligation to purchase any particular type or amount of coverage.Therefore, such coverage shall cover Lerch,but might or might not protect Borrower,Borrower's equity m the Property,or the contents of the Property,against any risk, hazard or liability and might provide grater or lesser coverage than was previously in effect.Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cat of insurance that Borrower could have obtained Any amounts disbursed by lender under this Section 5 shall become additional deb of Borrower secured Mammon.by this Security Mammon.These amouap droll bear interest • t the Note rate flan the date of disbursement and shall be payable,with such interest,upon notice from lends to BarronBarrower requesting payment All instance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage chaise,and shall name lender as mortgagee and/or as an additional loss payee.Lender shall have the right to hold the policies and renewal certificates.If larder requires,Borrower dull primp*give renewal notices. If Borrower obtainsfaro of insuranceto Larder all receipts of required a by premiums and anycoverage,not otherwise by Lander, for damage to, or destruction of,the Property,such policy shall include a standard mortgage clause and shallower Linda as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the inseam carrier and Leader.Leda may make proof of loss if net made promptly by Borrower. Unless Leader and Borrower otherwise agree in writing,any insurance proceeds,whether or not the underlying insurance was required by Larder,shall be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and Loch's security is not lessened.During such repair and restoration period,Linda shall have the right to hold such insane proceeds unit Lade has had an opportunity to inspect such Property to ensure the 1000664033 1000664033 work ®4A(Co)nrraraq Noll el n - F011 113000 1101 • • work has been completed to Lender'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 payee is as the work is completed.Unless an agreement is made in writing or Applicable Law requires Interest to be paid on such imramce proceeds,Lender shall not be required to pay Borrower any interest or earnings on sorb 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 Iiorrower. 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 seared by this Scarily Instrument,whether or not then due,with the excess,if any,paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Leader 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 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 event, or if Larder acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Loner (a) Borrower's right, to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note 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 as 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 the Security Instrument,whether or not that due. 6. Oeapaaey. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the eceamon of this Security Instrument and shall centime to occupy the Property as Borrower's principal residence for at least one year after the date of ocagancy,aim Lender otherwise agrees in writing, which consent shall not be=reasonably withheld,or unless attenuating ci ammrms twist which are beyond Borrower's control 7. Preservation, Maintain= and Preteens.of the Property; Impatioaa. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing it,the Property,Borrower shall maintain the Property in order to prevent the Property from deteriorating or damming in value due to its condition.Unless it is determined pursuant 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 condemnation proceeds 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 Leda has relined proceeds for such • purposes.Lend,may disburse proceeds for the repairs and restoration in a single payment or in a aeries of progren payments as the work is completed.If the insurance or condemnation proceeds at not sufficing to repair or restore the Property,Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Larder or its agent may make reasonable entries upon and inspections of to Property.If it has reasonable cane,Lad,may inspect the interior of the improvements on the Property.Larder shall give Borrower notice at the time of or pia to such an intake inspection specifying such reasonable cause. S. Benner's Leen Appiatioa Borrower shall be in default it during the Loan application proms, Borrower or any persons or arses acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false,misleading,or inaccurate intimation or statement to Larder (or failed to provide Lad, with material intimation) in connection with the Loan. Material representations include, but an not limited to, representations concerning Bonowar's rampancy of the Property as Borrower's principal residence. 1000664099 1000664033 MEW eatiAIC0)awap.n rap lolls Fora 3016 1111 • • • • 9. Protector of Leaders Interest in the Property and Rights Under thie Scarily Interment If (a)Borrower fails to perform the cuvannts and agreements contained in this isnder this legal proceeding that might significantly affect Lender's interest in the Property��tb)there curium Security to rwne°fallen t(which as a proceeding inbankruptcy,probate,for condannnn or forrme for alb are r or(c)Borrower has abandoned amain priority over this Security Instrument or to enforce laws or Property,the. Lender may do and pay for reasonable or appropriate to protect Lender's interest in the Property and rights under thiswhatever is including protecting and/or assessing the value of the Property and searing and/or Security epairing the Property. Lender's actions can include,but are not limited to: (a)paying any sans secured by which has priority over this Security Iosbtm ant (b) appearing in 1mM and e ) Ming fees m protest its interest in the Property and/or rights under this SecurityInsu reasonable including its P� i n a bankruptcy proceeding. Securing the Aopaty includes, but is not limited to, entering the Property to make repairs,change locks,replace or bard up doors and windows,drain water from pipes,eliminate building or other code violations or dangerous conditions,and have utilities metal on or off.Although Lender may take action under lids Section 9,Leader does net have to do so and is not under any duty or obligation to do so.It is agreed that Lender mans no liability for not taking any or all actions authorized under this Seaton 9. My anon disbursed by Lender wider this Section 9 shall become additional debt of clammier secured by this Seamy hrmtmrent These amounts shall bear hderest at the Note rate from the date of disbursentent and stall be payable,with such interest, 'cn notice kora Lender to Barmier requesting pas lease.f If tBamwer Security Instrument is on a leasehold,Borrower shall comply with all the provisions of the acquires fee title to the Property,the leasehold and the fee title shall not merge unless agrees to LenderAgee in writing. Borrower10,Mortgagena If Lender required Mortgage Insurance as a condition of making the Loam, required to maintain the Mortgage lee in effect.I£air any mason, hi the M ImaInsuranceance coverage rewired by Lender aria to be available from thehemortgage insurer that toward provided such insurance and Burrower was required to make separately designated payments towardge b wd•e to the Insurance, Borrower shall pay the premiums required to obtain equivalent to the cost to Borrower of the Mme Inaurancensurance�Ipreviously in effect,n eoutcast subsect, from an tantially amate mortgagele, nner s selected continue Lender. If substantially equivalent previously orttgage Insurance coverage eh is not was due whin the inseam pay to Leader the amount of the separately designated payments that ooveage ceased to be in efaect.Lender will accept, rate and retain these payments as a non.refodable loss reserve in lieu of Mortgage Insurance.Such loss reserve shill be • non-refundable,notwithstanding the bee that the Loan is ultimatelypaid in full,and Leader stall not be required to pay Bonowor any interest or eanmgs on such loss reserve.Leader an no looser require loss resave tbe amount and die the period ) provided by�°er L Mortgage Inflame coverage eda spin available, is obtained, and Lt ender reqa ides once designated payments toward the premiums Sr Mortgage Insurance.If Leader required Mortgage Insurance as ad theion making the Loan and Brute was required to make separately designated pmaintainanntpremiums Sr Mortgage Insurance,Borrower shall pay the prsotma required to r��m Mortgage Insurance in effect or to provide a non-refundable loss reserve, mail Lets _ Mortgage humane ands in accordance with any written agreement between Harrower and Section 10 affects Sr pmvidiag such lamination or until nomination is required by Applicable Law. in this Bmowds obligation to pay interest at the rate provided in the Note.Mortgige Sox . may Borrower does nimbuses an Lender(or any arty that purchases the Note)for certain losses it Inatincu repay the Loan as agreed Borrower is not a party to the Mortgage Mortgage inset=evaluate their total risk on a0 such instance in force born time to time,and may enter into agreemads with other parties that share or modify their risk,or reduce loses.These agreemerds are on terms and conditions thee are satisfactory to the mortgage insurer and the other piny(or parties)to these agreements.These agreements may require tee mortgage insurer to make payments using any source 1000664033 1000664033 raYt 4114A(C0)001%).42 w pa M13 Fn3OO{ lift • • of fiords that the mortgage insurer may have available(which may include finds obtained horn Mortgage Insurance premiums). As a result of these agreements,Lander, any purchaser of the Note,another insurer,any coinsurer, any other entity,or any affiliate of any of the foregoing,may receive(directly or weedy)amoraas that derive fan(or might be chanacariaed as)a portion of Brrowd s payments for Mathew inwance,in exchange fa sharing or modifying the mortgage insurers risk, or reducing losses. If such agreement provides that at affiliate of Lender takes a sham of the nursers fit in exchange for a share of the premiums paid to the insurer,the nnganau is often termed"captive remaumce."Further (a) Aso seek agreements will set affect the smarts s that Borrower ha agreed to pay for Mortgage Insurance, or any ether term of the Ina. Seth agreements will not inane@ the amount Borrower Oil one for Mortgage lawnsa, and they will not'ride Borrower to any refund. (b)Any each agreements will net affect the tights Borrower has-if any-with respect to the Mortgage lemma ender the Ileeneawaers Protection Act of 1998 or any odor law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage hoarsest, to have the Mortgage Insurance terminated anamatlafy, and/or to receive a retard at any Mortgage Innate premium that were nand at the tine of suck ancellatin or termination. 11. Assignment of MiaeBaeeus 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 Lenders security is not lessened During such repair and resteaetfm period,Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the wort ha bear completed to Lender's satisfaction,provided that nth inspection salt be tmdermken parody.Ponder 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 requires interest to be paid on such Miagmeete 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 farable or Lenders security would be lessened,the Miscellaneous Proceeds shall be applied to the ems seamed by this Security Instrument, whether or not that due,with the excess,if any,paid to Borrower.Such Miscellaneous Proceeds shall be applied in the order provided for hi 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&amity Instrument,whether or not then due,with the acess,if any,paid to Borrower. In the event of a partial taking,destruction,or loss in value of the Property in which the fair market value of the Property immediately before the partial taking,destruction, or loss in value is equal to or • grater than the amount of the sums seared by this Scanty Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lewder otherwise agree in wrung,the sums secured by this Security instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fiction: (a)the total amount of the sums secured immediately before the partialtaking, ford s, or loss in value divided by (b) the fair market value of the Property immediately partial taking,destruction,or loss in value.Any balance shall be paid to Borrower. hi the event of a partial taking,destruction,or loss in value of the Property in which the Sir market value of the Property immediately before the partial taking,destruction,a loss in value is less than the amount of the sums seemed immediately before the partial Wang destruction, or loss in value, unless Borrower ad Lender otherwise ages in writing,the Miscellaneous Proceeds shall be applied to the ems secured by this Security Instrument whether or not the ass we then due. If the Property is abandoned by IDrmwe, or iL after notice by Lender to Baroww that the Opposing Party as defined in the not sentence)offers to make an award to settle a claim for damages, Boman fa to(respond to Lender within30 days after the date the notice is given,Lender is unheated to collect and apply the Miscellaneous Proceeds either to suasion or repel of the Property or to the sums seared by this Security bailment,whether or not then due."Opposing Prof mews the third party tae owes Borrower Mimgwmm Proceeds or the patty against whom Borrower has a right of action in regard to Miscetaous Proceeds 1000664033 1000664033 saw: g4AICO)p0a6Aar Pea Nth Fora 3006 1101 • Borrower shall be in default if any action or proceeding,whether civil or criminal,is begwi that,in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lenders interest in the Property or rights under this Security Instrument.Borrower can cure such a default and,if acceleration has occurred,reinstate as provided in Section 19,by causing the action or proceeding to be dismissed with a Wiling that,in Lenders judgment,Includes forfeiture of the Property or other material impairment of Lender'a interest in the Property or rights wider this Scarily instrument.The proceeds of any award or claim for damages that are attributable to the impairment of I.e,da'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. 12. Borrower Not Released; Forbearance By Lender Net a Waiver. Extension of the time for payment or modification of amortization of the suss stand by this Security Instrument granted by Lender to Borrower or any Successor in Intent of Borrower shall not opera to release the liability of Borrower or any Successors hi Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refine to extend time kg payment or otherwise modify amortization of the sums secured by this Security Instnmeol by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by lender in exercising any right or remedy including, without limitation, I.endees acceptance of payments from third pagans, entities or Successors in Interest of Borrower or in amomds less than the amount then doe,shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability;Co-signers;Successors and Aridrs Bond 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-signal:(a) is co-signing this Security Instrument only to mortgage,grad and convey the co-signer's interest in the Property wider the terms of this Security Instrument;(b)is not personally obligated to pay the sums seamed by this Security Instrument and(c)agrees that Lender and any other Brower can agree to extend,modify, forbear or make any accommodations with regard to die tams of this Security hoomnent or the Note without the co-signer'sconsent Subject to the provisions of Section IS, any Successor in Interest of Borrower who assumes Borrower's obligation 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 wane d unless Lender agrees to such release in writing. The covenants and 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 services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security lnst nment, including,but not limited to,attorneys' fees,property inspection and valuation fees. In regard to any other fees,time absence of express waha*y in this Scarify Instrument to charge a specific fee to Borrower shall 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 bun charges,and that law is fray interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted permitted li limits, then: mit t and sums(b)any already collected from such loan charge shall be rechrced by the amount necessary to Harmer which exceeded reduce the charge to thepermitted limits will be refunded to harrower. Lends may choose to make this refund by reducing the principal owed wider the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note).Borrowers acceptance of 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. I3. Notices. MI notices given by Borrower or Larder in connection wish this Scatty Instrument must berm writing.Any notice to Borrower in connection with this Security Infmiat shall be deemed to have been given to Borrower when mailed by fast class mail or when actually delivered to®crosser s 1000664033 1000664033 Islet iit4A 't/.0)pastas nn SO MI6 Form 3005 tai • • • • Borrower shall be in default if any action or proceeding,whether civil or criminal,is begun that,in Lender's judgment, could result in forfeiture of the Property or other material impaimiatt of Lenders interest in the Property or rights under this Security Instrument Borrower can cure such a default and,if acceleration has occurred,reinstate as provided in Section 19,by causing the action or proceeding to be dismissed with a ruling that,in Landers judgment,precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument.The proceeds of any award or claim for damages that are albibutable to the impairment of Larders 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. 12. Borrower Not Released; Forbearance By leader Not a Waiver. Extension of the tore for payment or modification of amortization of the sums secured by this Security Instead granted by Leader 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. Carter call not be required to commence proceedings against any Successor in I terest of Borrower or to refine to extend time for payment or otherwise modify amortization of the sums secured by this Security Inwume t by reason of any demand made by the original Borrower or any Successors in Interest of Borrower.Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third perms, entities or Successors in Interest of Borrower or hi amounts less than the amount then due,shall not be a waiver of or preclude the exercise of any right or remedy. II Joint and Several Liability;Co-s;mten;Swanson and Ardges Boost 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 terms of this Security meat;(b)is not personally obligated to pay the sums secured by this Security Instrument and(c)agrees that Larder and any other Borrower can agree to extend,modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section IS, any Successor in Interest of Borrower who assmna Borrowers obligations under this Security Instrument in writing,and is approved by Lender,stall obtain all of Borrower'a rights and benefits under this Security Instrument.Borrower shell not be released from Borrower's obligations and liability under this Security hammers unless Lender agrees to such release in writing. The covenants and agreements of this Security Insmment shall bind (except as provided in Scala 20)and benefit the suocneas and assigns of Lender. • 14. Lean Charges. Lender may charge Borrower fees for services performed hr connection with Borrower's default for the purpose of protecting Lender's interest in the Property and rights under this Security histrument, including bet not limited to,attorneys' fees,property inspection and ton fees. In regard to any other fees,the absence of exp ess authority in this Security bailment to dirge a specific fee to Borrower shall not he 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 lean charges,and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lesda may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a reheat reduces principal, the reduction will 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 action Borrower might have arising out of such overcharge. 15. Nara s All notices porn by Borrower or Lander in connection with this Security instrument must be in writing.Any notice to Borrower in connection with this Security Instrument shall be deemed to have been even to Borrower when marled by fast clan mail or when actually delivered to)rower's 1000664033 1000664033 Witt ist4AIC0l meaner rqt hers rpm 3006 1101 • • notice address if sett 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 shall promptly notify Lender of Borrower's charge of address. If Lender specifies a procedure for reporting Borrower change of address,then Borrower shall only report a change of address tough that specified procedure. 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 Loaner has designated another address by notice to B.trower. Any notice in core action with 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 law, the Applicable Law requirement will satisfy the corresponding requirement under Applicable Instrument 16. Govemfag Law; Severabaty, Roles of C'aradka. This Security lmmmnet 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 parties to agree by contract or it might be silet, but such silence shall not be construed as a prohibition against agreement 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 Instrument or the Note which can be given effect without the conflicting provision. As used in this Se arity Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words Of words of the feminine gender(b)words in the singular shall mean and include the pliant and vice van;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. IS. Transfer of she Pnper y or a Beneficial Interest in Borrower. Paused in this Section IS, 'Merest in the Property'mare any legal or beneficial interest in the Property,including,but not limited to,those beneficial interests transferred in a bond for deed,contract for dad,installment sales contract or escrow agreement,the intent of which is the transfer of title by Borrower at a fume date to a purchaser. If all or any part 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 Laid.?.prior written consent Lender may require immediate paymera in full of all sum secured by this Security Instrument. However, this option shall not be exercised by Leader if such exercise is prohibited by Applicable Law. If Lender exercises this option, Let shall give Borrower notice of acceleration.The notice shall • provide a period of not less then 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 fins to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Sterility Instrument without fit notice or demand cm Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets amain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prim to the earliest of.(a)five days before sale of the Property pursuant to my power of sale contained in this Security ksawnens:(b)such other period as Applicable law might specify for the temi:Miom of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security hutment. Those conditions are that Burrower. (a)pays Lender all arm which then would be due trader this amity Instrument and the Note as if no acceleration had owned;(b)area any default of any other covenants or 8gmana s;(c)pays all amen=incurred in enfaremg this Security hwtnment,including,but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Cadets interest in the Property and rights wider this Security Instrument and(d) takes such action as Lander may reasonably require to mum that Lenders interest in the Property and rights raider this Security Instrument,and Borrower's obligation to pay the sums secured by this Security banner,tall condone'changed.Lender may require tut Borrower pay such reinstatement ems and expenses in one or man of the following forms,as selected by Lender.(a)malt (b)money at;(c) 1000664033 1000664039 kenalt ®4A(CO)Mrora �6 wh.n xis Fors Jaai 1101 • • •certified check,bank check• an institution whose deposits ate P'�Transfer. treasurer's }cheek or ershia's agency,instrumentality any such entity:ch or id Electronic upon onic shall,Tram reinstatement by Security harm ids e) d hereby hilly effective off no on h� d E not X2 in the case Sale of oofN accelerationte; ender Sec ion t . occurred However, this right to reinstate shall of Lam Servicer;Notice of thBorrower.Note(together ID resift my Instrument)can be sold one The Noe or a partial interest in Periodic amore times Sarvicer") that collects Payments due cbaoga in the entity(known as without prior notice to servicing obligations �the Note.this Se e Note and�went, and Applicable and law, There so mightgage earl one a more _ o or ore Chang wio thLoan Servnoee mae&ted to a sae of me N .H .e is a change of the be given written new Loan Se vices the address to which payments which a will sate the mare information � the Loan servicePA d ibyn gaol on with other noticeof transfix of servicing. be the Note is sold and and any iea thereafter te addressf the Borrower will L remain witht the Loan than the purchaser of the Note,the mortgage�savici the Loant is assuNote purchaser. med Borrower cress otherwise Sentra pro to a successor and not indiv al litigat Security Instrument r the member of acl class)that arises from joinedany*tried action(as teithert an reason o�this ent or y iet alleges eeam Duty has breathed provisione other� ooractions pursuant to this any duty owed orrower or has notified the other party(with such Applicable notice cegiver Law party hereto a reasonable a regaaments of�f such alleged breach affrded the otherefts notice tf perod be deemed to be opportunitye iwell be reasonable for oa time period whichutposts must elapse of this paragraph.The notice of acceleration causecan be taken,to take co:entree �d action provisions of this on8 shall deemed tooto Borrmver puniumt to Section 22 and the notice and opportunity given to BOrreWer pursuant to Section Hinardeas f°g°t 20. 2 Substances' an those substa1. substances:ces defined as Substances. n hazardous din thisces, on 21: (a) •tea corrective or wastes and wscdebs volatile solvents,asterisksee, other flammable or toxic ,peflo�Environmental Law and the roducts,toxic pesticides or aklebyde,md radioactive materials: ws and*vs of the jurisdiction to• relate health,e safety or(b)"Prwittamental Law"means federal apatscti ()asbestos v the includertyes is located that Cleanup. Borrower means a condition g� contribute Environmental Cleanup"iocluda any action,or removal action,as defined in vironmentel (�en� S°bsaa roe Damit the presence,rye,d�� ,sea Telea as sepal Sob slewreleas any Haamom the Pro•er rota r of new',lo) aanyoyonea else o Eranything a&amg the Prop�y(a)that iss ii Prey' of any EE vino Hazardous Law,I)) Substance,ace maws Environmental motion,or(c)which,due to the pn resence, violation ue,or fa Hazardou S sta0 apply ma e We adversely affects the value of use, he release pof a receding two sentences not the presence, use, or storage on the Propaty stances that are genaally recognized m aintatmce of Property frocks bat anot limited appropriate to t n ofr small esidential ti). of INTOWiir shill DtumpW to, any consumer claim,de tux and to or other action by say governmental regedemy agency or pprivaaayjrdemand, id Wrath 11000x0664033 Property and any 100o6 o) van 1000664033 rM It-the --- ' toner an 1/x1 • Haardmn Substance or Environmental Law of which Bnrower has actual knowledge, (b) any Environmental Condition,including but not limited to,any spilling,leaking,discharge,release or threat of release of any Hoodoo Substance,and(c)any condition caused by the panne,me or release of a Hazardous Substance which adversely affects the value of the Property.If Borrower learns,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 necessary,Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.Nothing herein shall mate any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS.Borrower and Leer further covenant and agree as follows: 22.Aeeekratbr Remedies. Lender shall give soda to Borrower prior le ageeltea&..Mloui Borrower's breath of any terasat or apxemst I this Security lnstrmat (bat not prier to acceleration uder Satin II sales Applicable law provides otherwise). The safes shall speedy:(a) the dehnlb(b)tie adios required to cure the defeat(e)a date, not less then 30 days from the date the mice is give to Borrower, by which the default must be cured;and(d)that Ohara S cure the default a or betre the date specified S the make may resat In acceleration of the seas secured by this Security leshuseat end sale of the Piop.,.ty. Tie notice shall farther Stem Borrower of the right to reinstate after acceleration and the right to assert in the Orecleare proceeding the um-adstece of a delta or any other defense of Borrower to acceleration ad sale. If the default it not cured ea or before the date specified S the petite, Lender at rS optima may require Immediate payment S full of all stuns stared by fib Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable law. Leader shall be entitled to collect all expenses Scarred S pornstap the remedies provided S this Section 22, including,bat not limited to, rmmmbk attorneys' fees and cats of title evidence If Leader invokes the power of sale, Lender shall give written notice to Trance of the °marriage of an evert of defeat and of Lender's election to sue lie l'sopesty to be sold. Larder shall mail a copy of the satice to Borrower as provided In Section 15. Trustee abaft record a copy of the sil ke in the county S which the Property to located. Trustee shall psblith a natke of sale for the time and in the manner provided by Applicable Law and shall ash espies of the notice of sale le the maser praeribed by Applicable Law to Borrower sad to the other pews presefd by Applicable Law.After the time required by Applicable Law, Trustee,without demand es Borrower, shall sell the Property at pubic auction to the highest bidder for case at the tine sad plea sad ender • the term designated le the note stele it erne sr more parcels and is any order Trustee determines. Trustee my postpone sale of say parcel of the Property by public aammcemat at tie time ad place of any previously se4aded sok Leader or its denim may puniest tie Property at any ale. Trustee aid deliver to the purchaser Trustee't certificate desatbing the Property sad the time the purchaser will be Milled to Tooke s deed.The redteb S the Trustee's deed shall lie prim brie evidence of tie truth of the antenna made timeie. Trustee shag apply the proceeds of the sale he the MOWN order.(a)to all expenses sf the sale, Seidleg, bat not limited to, sensomble Trustee's and attorneys' gar(b)to aft sum secured by this Seearky Instrument sad(c)any ages to the person or perms legally entitled to it. 23. Release. Upon payment of all sums seamed by this Security Instrument,Lender shall request that Trustee release this Security lmtrument and shall produce for Trustee, duly canceled, all notes evidencing debts secured by this Security Ornament.Trustee shall release this Security Inerrmem without further inquiry or liability.Borrower shall pay any recordation costs and the statutory Trees fees. 2t Waiver of Homestead Borrower waives all right of homestead exemption in the Property. 1000664033 1000664033 Malt 0114A(CO)sa•na hp IS of as Felap 3005 1f01 • • • BY SIGNING BELOW, Banter accepts and agree to the tams and covenants contained in this Security lasaranem and in any Ride executed by Brewer and recorded with it. Witnesses: (SS) Frederick A. Deering -Boons (SS) Elisabeth E. Waring -Emma (Seal) (Seal) -gyp -Boss (Seep (Stal) -Borrower -Borrower • (Seel) ( ) -Borrower -Borrower 1000666033 1000664039 et 4A(C0)pnq.m ewe 14 r I Fam 3664 Intl • • STATE OF CICTLORifr Comity es: The ^c=-:ei-d before me this day of by Frederttek A stimbeth A. Dearing 1r-77r,- ._-=='seal. _ t—._.._— .. Notary PaWie 1000664033 1000666033 how 411444(C0).0415)A2 Pip15 a 15 Form 3006 I/01 • Jan 11 2010 10: 06AM LASERJET FAX P• 2 • • CERTIFICATE OF CONVEYANCES WELD COUNTY STATE OF COLORADO DEPARTMENT OF PLANNING SERVICES COUNTY OF WELD Tne UNIFIED TITLE COMPANY OF NORTHERN COLORADO hereby certifies that It Has made a careful search of its records, and finds the following conveyances affecting the real estate described herein since August 30, 1872, and the most recent deed recorded prior to August 30, 1972. LEGAL DESCRIPTION: Lots A and B of Recorded Exemption No. 1509.33-02 RE-4843, recorded February 22,2008 at • Reception No. 3537028, being part of the Northwest 1/4 of Section 33, Township 4 North, Range 67 West of the 614 P.M.,County of Weld, State of Colorado. CONVEYANCES(If none appear,so state): " Reception No. 3493841 , Book Reception No, 3485583 , Book Reception No. 9448682 , Book Reception No. 1787674 , Book 846 " Reception No. 1750907 , Book 629 Reception No. 1735991 , Book 814 Reception No. 1735990 , Book 814 Reception No. 1098630 , Book 1292, Page 17 • The certificate is made for the use and benefit of the Department of Planning Services of Weld County, Colorado. This certificate Is not to be constructed as an Abstract of Title nor an opinion of Title, nor a ' guarantee Title and the liability of UNIFIED TITLE COMPANY OF NORTHERN COLORADO, is hereby limited to the fee paid for this Certificate. In Witness whereof, UNIFIED TITLE COMPANY OF NORTHERN COLORADO, has caused this certificate to be signed by its proper officer this 21°day of December, 2009, at 5:00 PM Company: UNIFIED TITLE COMPANY OF NORTHERN COLORADO By: Authorized Signature 3690 W 10th Street 2nd Floor 1V�• Greeley,CO 50634 led Phone 386.3691 r1TmE6 P1Nr Fax 356-2063 • Jan 11 2010 10: 06AM fil LASERJET FAX • P• 3 V'. 1 la !I • : g i ! ! .i7+1 I g - 1p1i. 2JY�I!°l , ! i o� FG!!4 Lam'.,i1 IN . ,.. .h.. a y} a ii 6 e 11! I t° ll° t t72 f i l! elxt! a '% Li; I I glE1 i$1 L 6 p Y1l lid Itl I I °F NI p "a i le lilt Yo•` of ei X91 , tI - E � oY t° 4 I !1 p_ . 6-/.�� i ! . M ®� , I ill ALA b § la�! F9 : :: li HI °cn p + ph y o '2 0 i t�l i I ,e 1!1i I: Ik ! ! I 1 c I . 0 r o 61 Z $! PI �� Il 'In r1 . 5I �; i;ip lit ! Ill *lib i�ii1'alteili I !1{l *li �i! ! � � E6 ii �! �� !�1 i!al� ii1 °�1�11 �! I'(ii �11'I Il�,i el�i d°yeg,�l � . ��0. y, ,i' , i1 ° eepeepab °�° l+eE1 e1i t ° ��• it �i111 ll�1.1 i i I! ll1 1 iii I I Ee1 !t il?1 E I! hii Al eipi a!'l I� 1661Sa 1ii!IIt ! e °, ii E� 1, . Yt Iirs ai�y� !IiiLlj ° Ii@ a riif ! e !b Id !Mii ; IIt1 �1 ! B 1 i �!I+l , lli d! 11 11i1yil i1i! 9 ! 1i' ii is a a ei I I.fip 1 ! ° •! 1W pi 1 i,,1 t qtS�111Islfr ! 'moel�lr :p [ii! I11�tiQ, il�1° e `` e !1 e1 ° el i` I I t1 i 1 '• ee !e t it( �`9 !1 ° i11i'1fd i Il1 ! -e i . ! d1 sail/ e -!5 • d •I !j6ll� • ! !i° I I I�it oil ��e I,. I 11. 011 ; t i luIl1e@I 0 IW} ea � I 1e I A e 1 l 1 I'of eiilli 91 g! 51 ti hi !IlI IIlid: .I�..I r1.lto el i1ei till 1.i1 i e�li11l.CIe.e I Pin • a 6 C ill !e iii 18 °d Pi i! PI A y, 41 ig ` y, hire$ 1 '' ii r s�i! !�I tl �'° Eil!__!_ ie S�° °! F° WI � /— Ill 1O! y11i .rw-.W..*e...,,,r JI 1 PHI I� ag mn"WAD n ,r1 sY i i 1 d' • 11l le ,y' f i:!i 1 Xil !d !!! �1 z y li. ° • ! I� 1 ! II ., ;4 ` n o d Y I e + _x e A C Jan 11 2010 10: 06RM AL LASERJET FAXIIIID p• 4 • tit In0I I1h1 IVII IUI III IIII lute 11I 11111In • rr��a�adqq I Of� 2 n 11.00 0 0.00 tlteve Moreno Clerk&Rewrdar 0(090 Well 11 MS Ca te704 %hie deed being recorded is esrraot deed et xecpptioe 7495585 recorded WARRANTY DEED June 25, 2007 THIS DM?.Merle on June al.2907 Xtv,terl Helen N.Lanehen 'no etx RC Vets County of Weld.Glide of Colorado,erantor(s),and Frederick A.bearing and Ellabeth K Deering whose legal addma le 18690 WGR 17 Johnstown,CO$0fl4 of fat Canty or Wald,State of Colorado,greniee(eg WRNES5,That the grantor(s),for and In consideration of the sum of Four Hundred Ninety Thousand and 00!100 DCLLARS(Sd90,000,00),the receipt and sufficiency of which ate hereby acknowledged,have premed,bargained,acid and conveyed,and by those preeMts do prat,bargeln,sell,convey and canerrn unto the grantee(a),AS JOINT TENANTS,their Mire end aesigrre forever,al the real property,together With Improvements,n any,Suede,Bing and being In the County of Weld and State of Colorado,described a follower gee attached least description me known by eimef and numbers: leenn Weld County Road 17,Johnelown,00§0034 7OGETHER with ell end teneular the hereditament§and appurtenances thereunlo belonging,or in anywise appertaining and the reversion end refomlone,remslnder and reminders,rams,Iswee and None thereof,and Blithe astir,light,ttln,Illareel,elan end Emend wheaosvir of the granitr(e),either In law or equity,of,In and to the above bargained premleee,with the heredltamento and appedonenca. TO HAVE AND 70 HOLDS mid premises above bargained and deeonbed with the appbdensneee, unto the gfenlee(e),glair hairs and eaigne forever,And the grentor(el,for bnI$t vee,their hire,and personal repreeenistves,do covenant grant,bargain,end agree to and with the grmdee(e).teir belts and Sine,there at the Nmle of the ennead and delivery of the presents,they are well seised of the premiss above conveyed,had 900d,ewe,pariecl,aboolute end IndefaelDe estate of Inheriting,In law,In fee elmple,and have good right,full power and lawful authordy to grant,bargain,ail and convey the earns in manner and tam aforesaid,and that the earns ore tree andalne,pear barn all former and other grants,Wo ease lion,twattwataseesemente, • encumbrancos and netdotons of whatever kind or nature sorever,except for general taxes and aeeeeiments for the year 2007 and ntsequenl years;and subject to easements, covenants,nervations,restrictions and rights of way of record. The ghanat%e)stall end WIN WARRANT AND FOREVER DEFEND the ebare•bergaled premises In the Wet end peaceable possession d the wastage).their helm and Slane,ego lad ell end every person or Persons Iawlully Oaring the whole of any pert thereof. Wherever deed heroin,the plural references shall be construed to es singular rattiness and alapier fefarenCa MMIi be construed to be plurM rafstticee where the context requires and it relerenone of gender and pecan 00 be constitute to refer tolls cantor a grantor. Idendiled herein regardless of no context. IN W fTNE89 WHEREOF,Ins grantor])have executed this dssd'on e1�/M�n ebo�� Helen M.Leb/enehon• ` STATE OF COLORADO ) ss. COUNTY OF BOULDER ) ,7 for c ns inabument wee acknowledged before me the a dry of Fat I t( , 1 ) by Helen M.Lenehen, Witness my hand and oablal I Mycor flesion explore 34100-O7-00973 LGS N•'Tr ubNC - 1 1' . -74sy. wru 47 . w • .%� MrOawWM6MMNed'CC R. , • M.UZl"'Amy.10.07 VIeneMY one CT§Janf TM WI) MORN su!RIMN TITL!COMPANY Or COLORADO eaiCWrna91 hey 11/SO4 Jan 11 2010 10: 06AM LASERJET FAX . P- 5 1111111 11111 11111111111 I1111111111111111111111111111111 • MEW 07/31m0D7 12:17P Weld County, CO 2 of 2 R 11,00 D 9.00 Steve Moreno Clerk 3 Recorder • LEGAL DESCRIPTION Lot A of Recorded exemption No. 1051.15.2-RE 337, according to the map recorded September 14, 1978 Inane*Bd$et Reception No. 1760592, being a part of the NW 1/4 of Seotlon 33,Townsntp 4 North, Range 67 West of The 0th R.M., County of Weld, State of Colorado Together with any and all gaa and mineral rights of any kind now owned by Grantor which ere in, on, under and upon and that may be produced together with the rights of ingress and egreee necessary to explore for, mine, and remove ouch gee and other minerals • (04100-07-00973.PFD/34100-07-00979/9) • Jan 11 2010 10: 07RM LRSERJET FR% • P• 6 AIM U IIIIIN INIIII]111111 III�11111111 • waa3 14:17F weld 0ou11M,CO 1 Olt R 11,00 048.113 ewe Maine Oink&Reorder dW CO$? WARRANTY DEED THIS DEED,Made on�ne 20,2007 between o the M.Linunsy of n of se ,;piety of Weld.Elope of COIor888,alentOf(I)r Prof 1' Fredefieh A.Deering one a th K ltabe Deering al 34 whom legit addraa is 18690 WCR 17 Johnstown,00 60504 of ho County of Weld,Mato of Colorado,prentee S); WITNESS,That the g,entor(�e)yfor and inoorilderaflan of the sum of Fan Hundred Ninety Thousand 0(1 end O00 DOUARS t14a0,00d.00,yme receipt and sufficiency of which are hereby acknowledged,have granted,bargained,sold end cane and by these preeente do grant,bargain,eel.oorway and:onion urno Im grantee(s),AS JOINT TEN their noire and assign.forever,all the reel property,together with Improvements,II any,situate.lying and being In the County of Weld and State of Colorado,described ea follows: Sea attached legal deactlption ea known by street fine numbers 18890 Weld County Road 17,JehnatOwn.CO 80534 TOGETHER with all and'Inplder the hereditament;and appurtenance:tnerev to bolonates,or In anywise entertaining end the reversion and reversions remainder and remekldwe,reins,Issues end promo thereof,and all The vataf•,rigM,title,Interest,claim end demand whatsoever of are grantor(s).ether Iv law or equity,ot.In and to the shove bargained premises,with the hereditemente end appurtenances. TO HAVE AND TO HOLD the said promisee above bargained and described with Vie appurtenances. unto the grantee(.).their hake and assigns forever,And the grantor(:),for themselves,their heir:,and personal r•presenlstivee,do ooranart,grant,bargain,and agree and with the gremlin), r ml ai(e),their h heirs d conveyed,Sat a t the time of the en siting and delivery of the presents, good,ewe,perfect.ebectute end Indefeasible estate of;Sentence,in law,In tee simple,end hew good right,full power Weems ate m and ul ear fromnerny to all totmerrandd othn,sell er grants,band rgainths s,sales ar manner lene u� mine m�e, and Mid the • encumbrenoes and resMoaone of whatever kind Or nature solver,swept for general tan to and eeeetements for the year 2007 and subsequent years;and aub)ect to eaoom■nta, covenants,roseaaaene,restriction*and rights d way of word. The grantor(:)shall end wile WARRANT AND FOREVER DEFEND the.bove•bargoinad premises In the per:and lawfully cle puwwlM of( toe pry part a rheir hike and assigns,volt all and son Parson or reof, Wherever used herein,th plural refKensee shet be co siredobek a the whole oend ar1 pa references where the context to fa singularterencesWasson singular rite s nosh shall cons true d ttl a be plural Denial wqules and all rolsrenar of gender end person shell be construed to refer to the pewter or 9remor@ IdeotNed harem regardless of the contest IN WITNESS W H[REOF,the grantor(a)here exectittid We sit on t date set forth above. i�r . i. y Helen M.Linehan &TATEOF COLORADO j SS. COUNTY OF BOULDER j ef did*: ^te� - ` c so Instrument ument w acknowledged before me this did day of `��1 try Helen M, • , Wines my hand and. �al seal. QTARV • • My COntriltelon expires we. 34100-07.00273 LO r,,,,,,. out,Public r• Wald*IMM Ilter a tna • as.enA WV.noel Wareso new IT:Ana Tnsm.t Norm;µI mamN Tn1t00MPANT Of p uanno0 greGOTO.tMl her,wars Jan 11 2010 10: 07RM 41 LASERJET FRX • P• 7 • I 1110 lit lit MINI 06,25nog7 12:17P Weld Coe*,CO 2 of 4 A 11.98 0 411,00 Stew Moreno Clerk 8 Recorder LEGAL DESCRIPTION Lot A e1 Retorted Exemption No. 1061-16-2-RE 337 according to the map recorded September 14, 1978 In Book 845 et Reception No. 1766592, being a part of the NW 1/4 of Section 33,Township 4 Not,Range 67 West of the 6th P.M., County of Weld,State of Colorado V Reserving unto the Grantor any and ell gas and mineral rights of any kind now owned by Grantor which ace in, on, under and upon end that may be produced together with the rights of ingress end egress necessary to extlore for, mine, and remove such gas and other minerals • (J 410697.00075.PFoib41 o ao7-0007a(40) • Jan 11 2010 10: 07AM al LASERJET FAX • P• 8 • ‘\"` %t11.,. -, .1/22) A{ (1 kill ir 1 Ill)v (1 E VII vI HIl ()l‘ll 1kf a., 1 f�, STATE OF COLOR DO , _s .1 ., C OL4RALID C PARTN OF,�@P M�H1eA1.TN AN INVINONM UMBER '. _ �4 > D ��YWATlbW1AAR Alt rnexuMem di ' E RTIFICAti OP DEATH !. Si 1 r1 B ', rgrei ..r�widL?RR e�.,Kw MI - I , 1 rm r 0114.1014•011. `I tW 1, ]9PB 1Imm 1 1,-- 345.70-4 ., UAL WY n:. a.V. rn•. Ms* n ! i iice " Laritiar Wapiti of Lorimer;County Cara Linter' .Lov�eglan�d. ._ !.. : . stY.,oW.,arATa soso 8� ` ; saw!"er o.Noe ! iw..1 ,t� r mi sY yw. w..r.wVa.on..n. Enyylnadr Arcospac. lII Married Hahn Heck IL'wwopcl aNrt VamwnT 14,an,llwlgS ' I .ro Will r }a�ln " I 84 A'IICR�11 w. Y fs• W qtc Br!6u .... '" *it! 4 ( Ady 'Lanahan IS, Sehustar H tan Lenehan Nifa _ip 14a v r i,-,'. ,. a T'I� R ; rr,wa O eaw.+, ems' 'a—� ' " h .. C rot l,;; ;� : ' �Jehndtpm. Colds '. j; � ,�• _ -, .. AHLBEEB --•. :L CHAflL 1G'1'� /•�G 426 ferry 5t: Lonpgpnt, CO : 'a. 80501 mmi a,a, y /. ' ° 3 55, A a au 1y • r]7 r4 j2 g 4118 A41 l�ncawnr nn,+w e6iw.ls aaaiawkm wd/W1 I A. r�M w.. "Yraa'•wawdL! w4 . #ICwwp1:w"w'w^`Swa'•itara;„44"«w'I.�"m°,...- - `,. N•4n ,,i wrisinisnom els Moil a-- David A 1 o, Lb.. 7504 C014545 DrrYsa Fort Collins. Colorado ' - +r 80525 T.raw on ignMe dnm'4'[ n ' ' r pmR � w aac*MIT S S I4AVU! III ate_ at 1004110P•NAM MWnwlm Wn 2Darf MOmt' f YO WWII O� h flI ''N owes DBr .:T""spa a pw I.,v'l a /Y' 1RY1Nw'whl.Www4'IM!WIT..OyrWN AN I. w aw,.lw, e ti.. �aa a•rswr ;947w MW _ ..... sr.w"Wr.r - W� y 1. , Omewra.�01 r liaKt�rOr r"r W96 tor" I II lirPtAPAP r,( lCWeaOW a�Irwr'a„w�"� X11n OlalO eaa w..,wwrw.rianl.-5.1i'.ww No r Irwr' itfir No v I .. n;l JUL 1 I. ?�05 , ,� .4^p,Pi� S !'" '"` t * P p DATE 158r1BD AOtMu+a Ira, ' THIS IS ATAUE CERTIFICATION Oft NAME ANn'pACCBAS " STATE Pile ue g1� ' t,� r e pp Y ItECU1tnED IN THIS OFFICE.Da•a!alp uotaaa pnpvad on N 1n �I W■ NI1 - ", r5 rtt ., 7,2:1 ae rrilh eapravwd MMnditplay of die Colvo on 25-7411, .. ii^ ��I11��'I�II �w��,l ll, '•,T 1, �d e,/ ' 4 ' Jr^ :'Mod r.db o ofd Satan L�PENALTYon allot S;' 2SY0 8. I IA u 1' I o �i, r F$ a( u, Colorado RaWaad Saata 1ve1 if a person ah V1 dnamPa h z`F" or Nagging to rod)K for deceptive um any vital its spee raaatd 0 0 3 1 1 8 1 6 1 A� NOT VALID IF PA. •ul.;... ., , ,.� ......... _ AaY tR ,;. ' �, A ` , Jan 11 2O1O 10: 07AM 41 LASERJET FAX • P• 9 • '^� ..spun Ne 2016,301t--.�-" M . uani N w0 1.1 ..wrw,.,�yvs.ur { RAYr Tim Deft.. Nam IM+, alb darn,' li lo•nb•r.:/A1 ha 11119:111116 0,o., a 1161•1111 C•p.Y776M r i . .,0,1 IL. , 't . 'A Oo.p.?$dg1 emir welling SO�r.MY�61RqM�11� 1 I ..d rahllat noge444Y9;44,411.NLwe"'16a at" Calot 0 t�u Itj qta . -I P i; oftt tine pet,W ; .. r um asd N . 66611 �.ma..re..r•+- -e•"'� = at b*0 t lb At IT, aqa Ald . 4. , and Mar dlkln..d.,at Os sand Matt } 1. ••• Wintigier i.tea M.ul-party of tM-llrn put.far tai ii dar • ti ddardi.a d Al opt TV ROMA god'panic .good and ralaabl• 6dlwfaf66lpM'nf M A A bad NM 41 W rid pampa of S.open pan,lkr melee•NNr n Panty.mead NA sikpar team• • • Mt naiad,Itirnaktut NH ra«inept..4 M 060•40000 der r-tt wpm.a rase iN NOS Ynler On putdr et M.i!ie*pin,rat Ia,te.M1.!rIaennit•—U PM rasp,Ms ids d e tier,dear,anon • N , N ad the Babe ow YMa+.,s1fr' u6 survivesurvive(MMr,al!NN Nionl 4a ard.IN M prat e1 bat alUel!.17 f' w N aad MW is Oa ' aaid .0• 610n rill • NABUM er Coloreds,f.•Mt. I b G •Lot'A or'pecordad:.ynwpcidw 71e. L-114-h-41'9171 ..wr•tM ' u a bi0ot� i map rYcerdad faot�14. 117 be so;p nest 'e Th• Noreho•at , Quarter (NNl/e) et /action 33, Towpahip.4 Milli: Naar 67 ,0 Wu of Oa 6th 1.14., ,County of 1444. 150,51o1 0.3•rads: en • unapt.,en *eminent conveyed to,Lois Joni, recanted November ; 14, 1177 in nook 614 under R.cepttw $o.' 1739913,and.r.cordad C4labtudst 2i, 1971 in foek 123 undek kcaptlwa No. 174p21. ` 11� , I _mileill Tide ill arm trine IIw Midi u nj S rw"a�1t lit.•.6215$61/41, i�r yp« a t•Tit: _•t a ra nraasja wa fwldsep{. _,,, 0. • pWW.PIr.I V rM.wMrAM pse!�M>�1W�M+aF,.ra�e��.ar�rUanisror�lpa�atwglndAa >fhlF�r��raal,Ma ' To■6 AM 6'C'NOLO�na rr p K Mrs.. M4awu apd tro r a6w�t�a� u •M•;. ru per i�tTa e(J. i't�rtn r �{ ta4 u!tln�ldn Yde. `� Yr.aN��r{nK�I mars -u r,aTa rte pwtaib •m'ti per Wen,N matter for wog:a .__• f io aN wliI ap ra rem 'K.1.jt a.ei. .tin ri eper ,t dM Jars Ault tunl.r•Wat'at taw 111ce Klf�'aul�l Di a�a6l tlrAAr,oadie le_alt6Uraalb.. MYIa�� , _ wa award.*e d as wen pilot. 1 arl W1' "r b, Ya l pate 6961 q'ye war Pad a 1.0 ad.Ority/a pr20t. See• aM won+tr a .0 lr. Os*%(w/ra sad.flit from, menu a, edar N'M�wp�alauaay��w1." • �'( 1.170, p Nei•le in 1 . a,td t u!sr Neal Ityn a.andt,'Rwp!rai tlauw:st 1l76t payable is 1'174. ;did all 0ubawOiant Tura;,and re••rwetlob•, 4ncrietigsi and unaaeta ef-rrcet6;p L', ..., .. .• r e L:. aM Me a n��l,,ad P�elelee' 1 t1'i s a �d psv.rMe pear, or tae cAd:i d t ry red rM. ,ninety% hiln lr ew t:40 att�ls;„,t 4raa'sr WM ar,stitiN�[�rwW i ANa Ta , tM'v wnr M!'t tMwal.aM grrp"r<M; iwta r,p'tfilep 16r'TTo o pr ld ay seen nrp}n Dal'nand in ae9gn•• and n i.to borwnto n1 ' "6. 1 liridwt inn 14«ep ntfrual r M tetarte dhtw dwwd•N la 72'. *444• ytror � ebb.0.and you((iii sins omit,.. i ..rpy 7t err., 2.1 vnatiw r Co. T �`: • PIF•i.Ptoo.Kn, awirJa ' E e vrwerN ';••••..,,,At Of Ccanna M, �txnler d wxl0 2nd,fjla plpg,,p,attummn rem .r pl W,t"I pad tl.. Pith Ott of :Iapnoadrt la 7b,bJa.. ' , , . , lgpni,t veounM a • prwlYnt 14 �a1,,� tuania T Woman a f«rclsnd 11{' ? t •t •4� r 11.30 L Carr A Colotedo• '1,-: •(.04{!ni daq.' w e . f•Tj .r••9 3 { 6N sly_lmallll('^.Alga t aplNe A M J1, .-ter ' J, , u I"I�• S. i .. W Fr' 4':— ./:*t W....rci*,• �w�.. iy �.., M i t ....;,.;;;,:k. p LI.N .f.'. i-. .v.. ten;. Nw.�$ru.warM+wn snag a:...bb...u...«.N.,w.in p"rWhMd6M al' aN��,Pr aYr,.•rw^'•d^'�{e , Jan 11 2010 10: 07AM Ali_LRSERJET FAX • p. 10 • '),! VtiJ42r.' 1, ii ` • + Q EATAM rvAr �lOJ-(p-?- RE;331 ' JVI.Y 10, 1011 ! ran: VROBNAN 4 eOC, a .'oforedo CerporetlII 16099 W014 Count Y Road NO 17 k 'f�:i, .. r. Johr!t o:rt?, L',oloredo ROS'f7 ,'• off 1/¢t TMY'. NORTHWEST QUART}:R (NWl/41 OP PECTE00..11, tuf$E.IP 0•NDR'PN. pas .47, WEST OP THE 6th P•M.; COUNTY 07 NBLD,, STATi or coLowO..AE RLQDRDCO.IN' ROOK 089, Rrc!PTION NO, 1750907 OF no: !PEED fount RECORD?). NSF•a Cale�I'!'zGJ 'G, _. VROOMAN a en., A. COLORADCI ccI%'tRATION, BEING TIRE SOLI OWNER IN PEF:;01r 'flit ' AIME PROPERTY DO HEREBY SUBDIVIDE THE Jail A$•,'SillOWN OM THE ATTACHED,MAP. a " vRxnAw 6 pro.: y' ^.G L r .. ATTEST: • r0 ND7 R ' T .F - T •AP't oRAIlp I ss :Mr *3. w) +. I1.i:. r! tYk' t�. n"". y f1v a.:.,_ THE EO%Ceollo C..TIFTCAtF WAe A.^,I.NQ%ILEDGED BEFORE MY TfilRi� AY OPy;tl„ ,_ • t A.D.* l II - " it MY CCStJ 9 s)WPM,plF5': • _.J_ t WITNP.&y MY' 1H1ND.AND 5tALr _. / G {.,, _ . NOTARY PUBLIC URV EYI IV t CERT F��I1� ' 7 HER PAY CERT!PY 'THAT .'1'414 PLAT WA' PREPARED! bran MY HUP77RYIdXO XND THAT 'nix SAME 1= CORRKL4:1`. TO .1I II 1Rr:;1' 'IF'MY,.K"KIWLEDGE AND'EILf EF. '' ' , lifts RDBEWT A. SOORT RLOI'STIN Lod 4,N{l mUNLA`MBA '• n►l COLORADO RectcTRITION .NO. 7142:. , • 7 . , YE 4O*• I C.C2VdfY._t`UtaL<F.e;tLQ11,8Ht..33Ri1ZCA ' •. , • THE ANVt4H ANY IPA.; PLAT l ' �, I )..pn n AND APPW1vET1 F(Ni,''F1I.TNG,: i ATTEST I.Wit ' k. ,afl - C -,. ,(,,,FFF��tAAA�...)��y �cOVMIW CI',!RE r' :WO.07 Iz1UM'I'�Y rvt l a 7 c14l al ,: b anti. UAT��6v11uVf�71 f,yal..F. 1 n • it MrAQL•" 8 SiiUR/ /4t m7od714002 :., 1 Jan 11 2010 10: 09FM * LASERJET FAX • p. 11 i h .9wokt/•SPG'D wwo"MIS y *O*e4 *Am Ra d' • , < I • h A . w, g �, !• r.r I = .1 _saes e a -, .- -- .tK 7:44C.ef.ifin: • MCRAE 8 slIcrer, Inc PAW; .41060 J r' Jan 11 2010 10: 08AM II LASERJET FR% p• 12 • � MMM . .:APR 19 1978 Na14tl•w Na, i�Prtr•��l�r Maat mit eW9T9IN ` RriMMt ,- • iI Too Dans YM.tar /. ?ri der w t Yom .a 7a ^. ' awns Samoa 3. Davin and Oary B. BtYan( - tI feat Manahan, is I • ' I At • t dd . APR191978_.._ •.,..� i S . County a veld son u d ndo ea Cale ,d 11a NN part, lad . Cm vrooan a Co., a Colorado-Corporation CD aarataaaada.ru Sadeo weld county male Al. .rungrtam: co 1015♦ II W ' urea N wino au Maas or • ' ' • " a • edema,ad Pa n wrrawan7,TIM dw add flitisod W llew'patt,f r ad in.1oa4enllen OW as it y ' n ot[tor Good and niacin* Conies Tan and no/100 - oo1A.A*a . n N ' loth Mil mart Sawa Us OS par.1 MM pia tr eyed,art y , .t Hie wawa port,sM!nss wrong o • r • o Wray award r/..owwl.apal.Nan PONS,Lgeleod,did aid rnny4'W b tarn pm""a ++ . • . m . Oat.lanY b ah p ,b,'Soy ad SOP*010 ate$00 ray WS era/peat,!... adn ad•ral/ia•far- a now,a W Mdaallg daarint Mt - errand - .f In ores,Iran aid ar.t S W • f . Cam!d N••1d • 'ad'Iwo sr osr a to Si•'The tbrthii nt ?axial INN M1 or' a. Sgt o 13,Township 4 Worth,lane 67 Neat 0f,en* 6th P.S.•countyy gyt N/ d !tit* or .•a colorado axone; aaseasnte annvnyed to 010120th t'seatt I Naviplasr 14,1977 ii' gook 044 undue aasaP '11q• 1735993•and recorded February 22,197e in book ai3 lender M NA ton ND. 953] . eapQg ta¢pn aA" AW7Cl® trcio '.._ _' ,yt; s� 't' •++ da. nwe•e ditch '11;11 It a. ramwpvol.ra-'Canals,pipellaaa power f 0/ all mutating rteepp �yt / Cos n\� 111 nag,rat pehnne linos,...utter lldwryrrnl7 reQw a� rlghta of VaY aIW naaawnie Vier," y Y1\ I, fort all reotraSti in iota'ceunty .00,0* Records. • 1 II SLAW kiln IS 11 a.Navel.and IW,nlm r, , b TOG inLSE *N d a n d damiNr W MMhapM4 w-ipryeaw St nem oat...V II!FW.:M.In 11170• 11 • • 4IdlidiN'and Um •e.a/dw ra ratta ns,news..rd,ar.alola•i amt�.4nala.aid paths and,aid art ea.rem ude,lama Oa*w daraa w►•aa.1rir d Oa NM pu t lie p1 t at f1f t rate.dNA N'n lair • I Oa Soak ' or•010.et,M ad a as ib,q earN•t•td yaaiYa,;Oita Jo Mndlaarna adappnta ndet• I: 70 flap ANY TO Bow Ike¢M roped w•...•, 11 Satin,r'd'and Oared rtflirlheapaa.1dfar add Ike., 1 aN SOY d III�a.1 Oita NOT".�1( A141.11. atin ails J•aid pail Los if 11q OM Mr. eya.ya II. 1malnutwl. sir.- Naw wet.plat•afaaa.M wooM awe '' ley Chem 'Pl w// r li „Na gas Oa par y d.M ins vow. +ta Min was iamb,tau µ.t Said or ama• ak•d Silveri ' d tae •r• 7r• aw•that 4ri.4 saluted.f tM orwoloaa alia,Ya Olen od.ea d.'pa:rare what:Sawa egadI; '-•. , k,tdnoil,nit d•••••a••airs,a he sad;IS tr w 5ld Oa% atu raga P!d boful aAM}Isr I Si amt aendn,WO Steaaq Ike mum la weer ad Ma a cried.S,d that W e•a.oat ha one drip '.I i (n.1 W torpor end agar pw`la trlolee,a•Ir.J•.n.Nara:,•_au Iu aM•••amrawr of native uM d a.1.1aap.a Ryp�t: ka 1911'take p�aMu ln'i9 q OSIL tan�N �pw'Ydlelbntal r4 do I. Mfllain kn11 {Inn n_ ar.11nnnrwa.a r wrt rw Vin' i n.tranw'111�t•,1 ..• 611 D1ewb� n,. I,caoD 6 nadooP 45 adll r 9 Rae ti n $0.�1y7Jlk440,A ,N,,o,,t,.7.417 gi ao g {4� tp uiOlF ur°Na1� acIgn I,ba-"ii., d r'' a 1• month otpion to. •1 1002 'mar if••• tr Nnrsar4yt 1 dN I 1_said HONtrvonr r_0me v th , . r ore a an r]In'fa taro'! us hi-9.r�2 `pL W a rep o Loy ono art Fins d�x �va.,aN . 1w /I I ,,,,,r,,,,„,„.„.._,,....; t .narnor.. a ,relent at�l``D '_,r a •.Q, .•• d 1ar.W.1d*IIT40-data tbf'.b t. Li its Coda ad1 4th a6lr1.IIS With r7o n•oi eIST. *anwasaM I '1 St en pat throat.Ih1.}dld.�,a�.{aq Y IY"gl 41 Poi,MG'W wYal`1YAA{eN'l}AND'141RDY1aR't'ayael0. If t�.r RI Mn71ana a'nzisot:♦o•,d[nn ion d ebb f.HOrM ha AN rwauma tot thalilwd r ad owl a tea be a d ytadaaat Rove!Mean y' I .far•it .:.��" .laaKl.1 II On�t• • .taut.) l J fault IMAM OP t,Gwad00, ' ' ,,. 61atf d Nn14 �••. MM#Lr1M;ana a nat-tltol^'•1.41ed Star.Ma 1tt.. , /.'t'd ;a,of Irgan at'!%f • I 1a�,. 'i'al•.,,dj.yna r Davfa and I:y. I .,,I ' n e ♦ • Jr. ( ;4a MII.in rNedaidita wa. Fa ,6 .w73r �l,Fi18L�.../4, It , . • NS,No. WNwntppl*-4•t.tr Sr"-alomaa,raeaW-.'Sri w.'MK4one. :.o;+ • 1iYYrfiYK .•, .. Jan 11 2O1O 1O: O8AM al LASERJET FAX p. 13 • 3750907 • • �B A gXu-S D ut •n. . Dollar h.reder.reser✓ea the nen-eanluaiiva right.Its Newell and hid lisire ' aiaeaercrc and aerignx to tea•tho existent concrete ttri skean 4t eGIPIIP tag.at' the irrigation nsidinq paid an the North line of the P uterty bera/.tmeele D'aha exterdirq rasterly aleaie or nearsaid lk,rtn line of said inaqaftY to tlet,tortleiost rifler of the 'ionizer' 4, Section. 33. '.'Asahlp. 4-Nwwih a ;Woo 67 West of the 6th T.M. as said ditch is pesxently located together with tbs.rigbta'of iiwrel and senses io sad alary said aith and the head gates at the ditch raagetin4 tiwrwith for the purpose of setting, changing an0 raovirlieetau in cUatdr4 and uulfltananal al and.ditch. Tire reservation and Sint fOC•the 'at add besot of.the North ilsst'4, Seeilen tat; IlidanaMP'6 Nord', A..40-6741St of tY1''.. i. .. . .• 6th P.M., and shall ran with the lad. �.� .'.J•. IN ante aM/ar ilia agents, tenants, siployeee or sgnttaottre at the ps%'stit hereby aanyay'J Jisii be entitled to low maid Aiteh iotritlY with the rtoor'wtir and easgwsnt hereby reserved. ' • salter OM Purchaserherebx agree. that the eerie. Of soil nsint anus. . Impair a' seeisoaernt of said •Sitoh will We shatrd equally 1fi Seller aril hltdlasat. . their Taira, rlimat,jta'.M arkel;*,*4 tnf1 part:i+ll her;i1/Agii:s ,4 .t' ,n els aV^nt ot s orepsyseee nY ebf}ier party, said renVeydnee dill aanfain thin provision i!ee• searing eorwe art dill run with the lan6, .. Seller also alai pia Jae-half' f') Ot Yll oil, gee'a d1111he1rsl rlgirte ley.MME • awn for a period of :0 years, at Mhidi tite reaesred oil'r-grs+4r).Mtriae+l SntleiestA shall revert to'the ies afioe..Piepldad ds4t 1s n'o P^siuttton: :MIA''in thn leiaaht the is ptoducti�n .c the and ofat t toy�arpeeagd. Ownership snail revert evert to tiro fee Seer Awl pradurrtitn cared. • • • • i'i�WlfuN{,yia,Vol�Ciilll4Yjpt -"`wwaa4d'rMf " .�., Jan 11 2010 10: 08AM LASERJET FAX p. 14 b00K `ease ate .3` �� • ^' E�14r �Mtrtl6a Mt .� a� rM6Y ANN 11UYii�11N LIRYr — . TS DS Ma+Ws tdch «a tiowWwbPrcio ti' Ytdaae I CMANLL5 H. 6NY.NtWrl and VINCTNJA 6AlHJND, hogbac•k! &AQ' Scar �ocumM,sA he• I • I wire, 1 ., N0V 14 en Oaea d ,4,lcal+•a ea SYY at' d W loll Ma add: '$ , ' +[-ri-f A ie. II ES ,I, 'IAY I I' 'arid (ANY : PN T YANT, Al enant. 1n rw®n / '1:2 ' d the aax d Ilan weld . ' .aid Mee d. - •-' oimb,.d is ms:eit eat: whom apdr..si In: 1311 Pith venue ..- 'rreoley Coldrado. 60831 . r WITNISTILOat IS IS*Si ioi,d IS Om iambi'es In a ., das aid ' . - - n c, OTNCA tt1OD AND VALIiAIIIX 'i\WNIS:FMTION AND T11I, lg AND NOoo • DO11aM n ,., Y 43.M son M S tam. d LSfis jen L 6a6JaSWW Si vals4a6 d1Y�eled Sat So aeao *MSd ., b , Iambi alai*aft/i.t.Ua have.®s.Ia.+As+da nee 4140161 lwP.rra .• ' Oral,rs*ant memos'sad i oar,awl.lir Mal.mei so.d MN Ni deih* N o l=bM row a• re a ,all tan s Si,1Maril*il* dt LabaMl,W,NI lie 4 W : - A Ceetr d wall '. • el Spas d Oa&le slit TOIO{Rtf1P,,4�_W ATS MNI;R a? )ds? t Y' '!if .4711 P.M EEC(FQ{hll. - North 11.11 INIJ • Tn3ethor with•any and all .u„lnec nrd/nr under.r..un4,water slights appurtenant tn '' �., aubllct prdptrt%-Shul.Y :'0 11n910''Ynits•nf'`Nr}!thelli.Cralotad1 Setae.ConaatVitncy Diatraclo 4 3/4`whan:o of thrl;'pltel stock of The highland bitch Company', 6,char or _ :apt:. k ar 41L. tit.i r i'•aneanr srrd '10 :ltarea'of ill; ea01t4L is stork of The rdYNdra' Cxtonptoal'Di.a t,mpanyy.i uublrrt(to )r„OSIIISIAtiona'and'4, 4c71;r ht.*of way 4x contained in awns record-id in Loh'4•C at.►'ague 410 And 462 by'•C1i4 hold ' County Records. ;'q `S .. Centers convey'Ell'Cho oil trend'.and•mineral •riohte `they riow Own. 0 :. �:. yeti TOGMNfl wW ia'ad-Yeast-ilia *Same aM.aRrraerma drwae bala/a, ar la apes, ', •• a..ret6YYe,W Usod i. a ad ureSS, a alb aid urWdwri'pu line N pasta q.ei'.,'arl�' IS OSA 0104.Sri la art daa eaten*tas taawr aP■la Mat ipb tad fan Mara 6610 Is e atdb,4 land N Dee One SOW*pre*"*Atha halailetW TO 6AvsAND TO sow w raw wdw.prifieds S aIONI Ai ad emiessumi a i r Si Joni as •4'2 i i,...ead ANADIW,ix, IJll6 swipe/et.,'Ai els eld.yli.. . dell.a.M4 See them al woo, t St aaaL .ad,.dailaian:i.._ •ael,`beaaY.daJ'4jwae W . au,la ea* lull..dare Mimi.taathielthele ea atipL pp• M Y NIN.d ss assess ad dame. 4 the amass, Choy air n tell aid d tbs*mails An e.wi. u'd ye4 awl sloes YaaYw ad ' ' YddeMele saw stirde/De s.blea:,¢I fe;ehwis,uS slave 4oad,s10;fall data ad.wrb6*is* • ' is pna6 bezp S,all aid aeear tW Mae Y ter Mid Mil M admial osi1,total:r.an ad aM d4a tam all terse.sad OA'sans,*.Apse,Jed,1IM,tMae;a IMMagi i in4'ieoeia—d"belt!di!rim Asa*saw. EXCEPT 1977 roxaat due"and hay4blt-in Ire:,dupe►ct it eeldirjoiw;: covenants;' oa6eaents, ,INcaption' ,, •ri Oryatidne, rgettietifllla ilid riyiltrct l3iy or I ra:atdi ,SU6rsCr TO"ixiatind Sala'AaM puh1Ta'%Iihwdy.,'.uatabllih.d eadaaants Mlle ' ' oil., ga., and Itin4al;raileS6titss'ad cdnv y.entee•ot'tle0r4 anted batdlrria"silt "' bone'ttu of 'Haig tbl9'tare yICtt05.coo,dilftt tCti 'toll-tollr4,t4atltiti.diatrint,•water ' districts and Other 1wy'toydaslL'ailttiteiJ ''And dttyh ia60..1ya11M'rights. Irt,way Gal rw4grd, ad da else legab '.aoalas Y 6o fS rvd bate t'Sli aldab MCMayli pain, at we allt fee,-, thr it tiae bM6 aworma.}kala M11M161e7D!tlearia- Sear ada/i Y .Sig' , ' aim Bay pan ih of 1M Wig serf in . .Sr*Pagan.sr old W Wig W O D ni %'ill PIM II ti wing's'wfl/Eur.ill app Mal lie d,6:66t.60 have est thtiitrdI ad real ,, a.papal ter has mina.it* . .. [5 aim! I a[C iino. huii . - _ . . Cr ...1�sf1 r• a.. _.heal) STATE Or COLOIADO, • t'i rqa a`�Irvin,n, 1( I . wit ' • • wal,If wnla • 1Fo71.q E ll.1.InTMa aM adawrlda d fart a 161- 1 t : sayer N, aril 0. %t77 by UI II, b1411S1e u;ld 'L1,1.1911,1, {]'r.xui 4lh fi,u'Y.nnl ergo wife r ,�.,, .' rte�yltial a / [, e'i .t1� •71041,m`7$MAM*MWdaatl ' 4 r 1 • , ' Jeer.._ .. •..:':•''.x^. •n • Na twit •aaa.w}a ebe,^na w.MaataMrt---..yaws M!anaw,ueap awe pall.err.,tint': ! ♦ .. �. au ... . I 'N y.?!.. ;r. 1 , imp, .:d �•s 7te:,: 1 "4?r, :. n.. �t . Jan 11 2010 10:09 HP LASERJET FAX • p. 15 • 1004 areas._ 3 u6 _ 141977 , MANY ANN plUBREfNN rt 814 rigs.Nil_ _ N0V��_.�- _.a sae. Clt St r l Tim Ria p,gas d Novelter,se 77 at beiss - a. Gat Truer and PAULINE E. TIME, husband and wife, Soma Decnaemaey Pee 1 • Dale N0V 14 1077 I , dap d Weld d Pasd Camay of feet pan,ad i--: a.7 K e CHARLES B• . BBfNING and VIRGINIA ARMING ,. d dm Osasp d Narieopa d sate et Arizona • i ea dem eaadearte who.. address is 325 East Sharon, Phoenix, Arisona 9RElflie4;That gloat p ei•edias feat gaaator ssalsereamea Sand • CItAR GOOD MD VALUABLE CONSIDEPATZpa AND TEN AND No/100 ' e the eddpdids et as fast pot tbal Pelf bit Slid pas ice fa the must pa%*ezombi ninth n bias*mad and thareitra,is area isresta dadeawpa4d4 arse praassde en sea,bawls ea4 asp d f an a a.Si pat Sea d Y .read 9Mthei%Ms a sshea fins e • evaa sit lie awls.dsaWhdhe ward d bat ala ISsd bait bites L. Cap et Weld W pests et CeasM ewfe TOWNSHIP 4 NORTH, RANGE 67 WEST Offal 6TE P.M.. EROSION 33, North Balt IN4) Together with any and all curiae. and/or underground water rights appurtenant to i subject property including 230 units of Northern Colorado attar Conervtaoy Distal 4 3/4 shares of the capital stock of The Highland Ditch Company, 6 shares of the a,.. 7. capital stook of The lab Reservoir Company and 10 shares of the capital stock of .yl'? the Farmers Extension Ditch Company, .object to reservations and ditch rights of way as contained in deed recorded in Book 990 at Pages 460 a 462, Weld County Recprds. Grantors reserve 4 of the oil, gas and mineral rights they now own for a period d$ ' ten years, at which time the reserved oil gas and mineral interest shall revert 'V to the Lae owner provided thete is no production at that time. .1n the saint of ? production at the and of the ten year period, ownership of the grantor. reserved mineral interest shell revert to the fee owner at such time as production ceases. THIS DEED IS DELIVERED TO GRANTEES IN EXCBANGE PCR DEED TO YUMA.000NTY LAND OP EVEE DATE PION GRANTEEB TO GENITORS NERSIE. • TOMP)at eta 5 at * s.tta tea as als ea appeekemese— law asap it an awnias oba ay a slyote t Sea 1W ad a amt m vadwww re a pwai et am, at Most pat,eta Y We w esde.4 lama e pin saes iapla free,miDa iatleaaadsseer asa TO RAVE AND 20 SOLD IYe Si gala alma lareael ad l aidstalk the Operas as the old pieties d ee sad la their ids a uses Mfl as lie Si maim et tie abet pet. 1w iheedvee, a Eta,aortae.,d abo absta.d. •.weal,Era unitd spate eMt the IS prime et tie ass pet thcill boo ilea tit as Use dim aaaaE d tap d Mee pewt% they ere eel adsd Of a pmdea awe esaagsi se d ppe4 are,pedal,Seas d deldw_V.tee et eMlaw.I beta I to al lie,d Lsvt pad aide,toll sea d Lad agplabr Is Pa leas.ell data as a®a d awe a Smelt d enema ea doe ad Bet fwa en pram a eat pea,baba sea Era,era,ails at se erdaaaa d*beer*eel s Ilia eee. . EXCEPT 1977 taxes due and payable in 1978, eUBJECT TO condition., covenants, enfants, exceptions, reservations restrictions and rights of way of record, SUBJECT TO existing roads and public; highways, established easements and oil, gas and mineral reservations and conveyances of record, also burdens and benefits of existing fire protection district, soil conservation district, water districts and other improvement districts, and ditch and pipeline rights of way of record, at lie eta baaaed pe as a the plot d rersahle panda et Ito rd at ism d tie sad teat their Ada asi wedge apes all a saps er pas leak Bella or a oat a.talt or en eat lima his ail alien due at paw SIR at w0 WAfANT kW Minn 1101311i IN WHAMS peENIZOU,the Si get Sea d atual pot are Aaeo.e east • ate dad a asap d pa Dam sea wahine. Ga,UQ-1 tar e___. __—._.—._—'"-- (ter-ETT'sa�C,--BfEXlNd------•--111") .« •ti.`..e..:.FB,ssyy'ae,___.— , pEts 'FT ;'vt�-..._(/l4L) 'irC'. -in*"coLOLDo. IOIt SP we Weld lie we aebreMapad age sea 14th bpd November r1 :lat. and PAtD.IRS E. FRAM, husband and wife. .arsalas G�Faa, -It' .ifl .1RaeeeMI lama seal soel. • _r nut wa lTe ImIlli mpaNealaeldiaalas6e.lama as SS IS 00.00 -e.w ' Jan II 2010 10:09. HP LASERJET FAX • p. 16 • - - rt c iwr ` :v j • - -C - �l. p e �C q l S � + .-2.-..?7,1,t;• i' � ;� �N P44i 4, ...,•:;,.....„,-, G; . z ��:• b w P h-.•r`ni (- i t '�'�Y a A•�?, ,]yp rte F''.. +i �'s-t.F . 4 .,a '4,4-ti, "!fir ibli ,4Slet:.. .' "d F t, , , _� y , •{a rot ).,. k 4 j' 1 .= .i�c. t, Y � .e+.A .i 5 "•�'.13,.%;,,:c,„... l °•,,,t "Yru!` ,Y,-, , 4v��.r , .. , P,1y �A��$f`-., s.: ,. S�'�F�.x 1, , J- NdF� �r�5��FSR+� . Y yi chi! rr,a.ey, Pv N+Y It i °± 7I.•'M' 2rp f �' 9. Ff�lt � fit{ • rs' p"S7w)� 'k. 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