Kinsey, Jeff
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RECEIVE
MAYOR
Tammy de Weerd
CITY COUNCIL MEMBERS
William L. M. Nmy
Keith Bird
Charles M. Rountree
Shaun Wardle
CITY DEPARTMENTS
Fjre
540 E. Franklin Road
888-12341 fax 895-0390
Parks & Recreation
11 E. Bower Street
888-35791 fax 898-5501
Planning & Zoning
660 E. Watertowel' Lane
Suite 202
884-5533/ fax 888-6854
Police
1401 E. Watertowel' Lane
888-6678/ fax 846.7366
Public Works
660 E. Watertower Lane
Suite 200
898-55001 fax 898-9551
- Building
660 E. Watertower Lane
Suite 150
887-22111 fax 887-1297
- Sewer (WWTP)
3401 N. Ten Mile Road
888-21911 fax 884-0744
- Water
2235 N. W. 8th Street
888-52421 fax 884-1159
February 23, 2005
2 4
CITY OF MERIDIAN
t'ITY r....' t:"R.r< O,cCIC. t'=
v . 1..1LL. q jj I ,_.
Mr. Jeff Kinsey
517 W. Yosemite Drive
Meridian, ill 83642
Re: Fence Waiver Application
Dear Mr. Kinsey:
This letter is in response to your fence waiver application for the property
located at 517 W. Yosemite Dr., Meridian, Idaho. In your application you
asked to be allowed to reduce the setback from 20-feet to IS-feet from the
street side property line alongN. Portage Ave.
We received no objections from surrounding property owners, whom were
notified in accord with the City's Zoning and Development Ordinances.
The City has approved your Fence Waiver, allowing the fence to be located
IS-feet from the street side property line along N. Portage Ave. This approval
is subject to the conditions noted below. Section 11-1-11 ofthe Meridian City
Code allows any aggrieved person to appeal this decision. All appeals shall
be filed with the Planning and Zoning Department within fifteen (15) days
after the date of this letter.
1. The face ofthe fence shall be set a minimum of IS-feet from the
property line along N, Portage Ave.
2. You must landscape and maintain the ground area between the fence
and sidewalk.
3. The board side of the fence shall face out toward the street(s).
4 . You must also obtain a building permit for your fence from the City
of Meridian Building Department prior to construction. You must also
call for an inspection of the fence once you have completed
construction.
CITY HALL 33 Er\ST IDAHO AVENUE MERlDlr\N, IDt\HO 83642 (208) 888-4433
CITY CLEm;-E\X 888-4218 IJU~I'\;\ HESOURCES-E\X 884.8723 FJNANCE & UTILITY LlILLlNG-E\X 887-48]3 ~JAYOIl'S OFFICE-E\X 884-8]]9
The City of Meridian has no jurisdiction in the enforcement of the provisions
of your subdivision's protective covenants. We recommend that you obtain
approval from your homeowner's association for this fence location. We also
recommend that you contact Dig-Line at 342-1585 to locate any underground
utilities prior to digging or excavating for your fence posts.
Feel free to call me at 884-5533 if you have any questions or concerns
regarding the conditions of approval in this letter.
Sincerely,
'1 /1
0C?ttdL Itlle/1 1m ./!17nti UUULlrtj
Anna Borchers Canning, AICP
Planning Director
City of Meridian Planning and Zoning Department
Cc: File
Building Department
City Clerk
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CITY OF MERIDIAN
NOTICE OF APPLICATION FOR FENCE WAIVER
NOTICE IS HEREBY GIVEN, pursuant to the Ordinances of the City of
Meridian and the laws of the State of Idaho, that Jeff Kinsey has filed with the
Zoning Administrator of the City of Meridian an application for a Waiver from the
Fence Ordinance regarding his/her property located at 517 West Yosemite
Drive, Meridian, Idaho. The Applicant proposes a reduction of the required
distance from 20 feet to 15 feet along North Portage Avenue.
Comments, either for or against, said application must be filed with the
Zoning Administrator within fifteen (15) days after the initial publication of this
notice and shall be addressed to Planning and Zoning Department c/o Sonya
Allen, City of Meridian, 660 E. Watertower Ln., Suite #202, Meridian, Idaho. If
there are pertinent and compelling objections filed within the time allowed, the
Zoning Administrator may schedule a hearing on the application.
The property at 517 West Yosemite Drive is more particularly described as
Lot 13, Block 13 of Cedar Springs Subdivision No.4, Meridian, Ada County,
Idaho.
Any and all interested persons are welcome and invited to submit
comments.
Dated this 18th of January, 2005.
PUBLISH 25th of January and 1st of February 2005.
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CITY OF MERIDIAN
Planning & Zoning Department
660 E. Watertower Ln., Ste. 202, Meridian, ID 83642
(208) 884-5533 Phone / (208) 888-6854 Fax
FENCE WAIVER APPLICATION
(RE: Meridian Subdivision Ordinance 12-4-1 0 Fences)
:'" 0 f' r \/ . I ~f\,~~ ~ cuLd,Ju-kl . ., (I q L{ Lv ' CN,,~ ~'VW,;Vl.1
APPLICANT: -J v ~ -'\ I= \ N S E '---, !UVVl p( ( JJ!. t{, 6-2 & 39
ADDRESS: lIv~; <; 11 lA). ~l\SC/\M.'(ha--, \)Vi\Jf_ r VVle.VIl~~ IrQ X'3l.ot.f'J-
PHONE: 1-b&', ~(Pl-llo kif FAx:?DF; -tiJ'(J-d ~ q (of 3, E-MAIL: fCLn<cc-. 11 @ Jtv1sn, eiFYvl
OWNER(S) OF RECORD (IF DIFFERENT FROM APPLICANT):
ADDRESS:
PHONE:
FAX;
E-MAIL:
PROOF OF OWNERSHIP: (Copy of deed or option must be attached)
NOTARIZED CONSENT OF PROPERTY OWNER (See attached Affidavit of Legal Interest)
LEGAL DESCRIPTION OF PROPERTY: LOT#~BLOCK#~ SUBDIVISION: Ce dt'V.....- ,,~td'l/lr-tt '-j
PRESENT USE OF SUBJECT PROPERTY: 5\ Vl~\e t-cVVtrlA ~ {AICLIf /1 (~1j
ZONING OF SUBJECT PROPERTY: _~A--t rt CiVt-.{~ (~
DESCRIPTION OF THE MINIMUM REQUIREMENTS OF THIS TITLE THAT NEED TO BE REDUCED TO
PERMIT THE PRO~OSED FENCE WAIVER? S'v...l/t.U \frS-{',!Vl Ve(t/tL~ 0.. \ s;- I fm<1:
M~ -h-1I'Vv\ S-I'clewd~~- ~...'vo VJ~ live WO'vJLJ ~0Lr ~ l;vtlP.
ern Cl Ctn.N\.D/V tD-:r - ------
SCHEMA TIC DRAWING: Attach drawing showing buildings, streets, & proposed fence.
SURROUNDING PROPERTY OWNERS: List of the mailing addresses of all property owners (obtain list from
Meridian Planning & Zoning Department, 884-5533) within two hundred feet (200') of the external boundaries of
the land being considered.
ATTACH APPLICATION FEE OF: $50.00
ATTACH STATEMENT THAT FENCE IS ALLOWED UNDER THE RESTRICTIVE COVENANTS OF THE
SUBDIVISION OR A COpy OF THE RESTRICTIVE COVENANTS PERTAINING TO FENCES.
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Applicant's Signature:/. 0'
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yard next to the side street from the front Lot line to the rear Lot Hne.
The back yard of each home shall be landscaped or sodded within one year of
occupancy.
Weed Control: Prior to the planting of grass it shall be the responsibility
of the builder and/or the Owner to keep aU weeds on the lot under control and
periodically cut so they remain less that 6" tall. Neglected weeds may be cut by the
Association without notice and the bill therefor shall'be paid by the lot Owner as a
Limited Assessment.
4.14 Fences.
4.14.1 Subdivision Perimeter Fences. Grantor may construct a perimeter
fence around portions of the exterior of this subdivision property. After Grantor has
transferred title to any Lot which contains a portion of this perimeter fence it shall
be the responsibility thereafter of the Owner of that Lot to maintain, repair and/or
replace as needed that portion of the perimeter fence on that Owner's Lot (except
as set out below). The maintenance, repairs and/or replacement shall be performed
so as to keep the perimeter fencing uniform, attractive and harmonious.
4.14.2 Association Fences. The fence along the boundary of Common
Area Lot 3, Block 36 shall be owned and maintained by the Association. All other
fences constructed in any Common Area, or on any Common Area lot shall also be
owned and maintained by the Association.
4.14.3 Other Owner Fences. Other Owner fences are not required
except along the White Drain where a six foot chain link fence is required to be
maintained. Any fence by an Owner shall first be approved by the Board. Chain link
fences, except alarm a ditch, drain or waterway, are prohibited. No combustible
fence shall be constructed adjacent to and along side of a Common Area chain link
J:.ence. .__" _._..__.______u__.
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/ 4.14.4 Distance From Street. No fence shall be constructed on any Lo
{including comer Lots) closer to the front Lot line than two (2) feet behind the front
edge of the dwelling. For comer Lots, the fence along the side street shall be at teast
fifteen (15) feet from the back of the sidewalk. {The back of the sidewalk is the side
way from the street.}
4.14.5 Chain link fences. No chain link fences are allowed except where
required herein or along watercourses or open ditches.
CC&R's
CEDAR SPRINGS SUBDIVISION No.4 (4-15-2004)
Page 9 of 38
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RECORDATION REQUESTED BY:
Wells Fargo Bank, National Association
Boisa
877 W. Main Street
Boise, ID 63702
WHEN RECORDED MAIL TO:
Wells Fargo Bank, National Association
C/O Real Estate Resource Center
5201 Amelia Earhart Drive, MAC # U1252.02F
Salt Lake City, UT 84116-2857
SEND TAX NOTICES TO:
Jeff C. Kinsey
Tracl A. Rice
494 W Chipmunk Ct
Kuna,ID 83634
SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONU
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200000000000000235
CONSTRUCTION DEED OF TRUST
THIS DEED OF TRUST is dated November 23. 2004. among Jeff C. Kinsey and Traci A. Rice ("Grantor"); Well:
Fargo Bank, National Association, whose address is Boise, 877 W. Main Street, Boise, 10 83702 (referred tl
below sometimes as "Lender" and sometimes as "Beneficiary"); and Wells Fargo Financial National Bank. whost
address is eto BBG- Boise Loan Operations Center, PO Box 8203, Boise, 10 83707-2203 (referred to below a1
"Trustee").
CONVEY ANCE AND GRANT. For valuable consideration, Grantor does hereby irrevocably grant. bargoin, sell and convey in trust, with power 0
sale. to Trustee for the benefit of Lender as Beneficiary, all of Grantor's right, title, and interest in and to the following described real propert~
together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements. rights of way, an
appurtenances; all water, water rights and ditch rights Hncluding stock in utilities with ditch or irrigation rights); and all other rights, royaltie~
and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters, (the "Rea
Property") located in Ada County, State of Idaho:
Lot 13 in Block 13 of Cedar Springs Subdivision No.4, according to the plat thereof, filed in Book 90 of Plat:
at Pages 10466 M 10470. records of Ada County, Idaho
The Real Property or its address is commonly known as Lot 13 Block 13 Cedar Springs #4, Meridian. ID 83642.
Grantor presently assigns to Lender (also known as Beneficiary in this Deed of Trust) all of Grantor's right, title, and interest in and to all presen
and future leases of the Property and all Rents from the Property. In addition, Grantor grants to Lender a Uniform Commercial Code securit"
interest in the Personal Property and Rents.
THIS DEED OF TRUST. INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY,
IS GIVEN TO SECURE (AI PAYMENT OF THE INDEBTEDNESS AND (Bl PERFORMANCE OF ANY AND ALL OBLIGATIONS UNDER THE NOTE,
THE RELATED DOCUMENTS, AND THIS DEED OF TRUST. THIS DEED OF TRUST, INCLUDING THE ASSIGNMENT OF RENTS AND THE
SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, lSALSO GIVEN TO SECURE ANY AND ALL OF GRANTOR'S OBLIGATIONS
UNDER THAT CERTAIN CONSTRUCTION LOAN AGREEMENT BETWEEN GRANTOR AND LENDER OF EVEN DATE HEREWITH. ANY EVENT Of
DEFAULT UNDER THE CONSTRUCTION LOAN AGREEMEI\'T. OR ANY OF THE RELATED DOCUMENTS REFERRED TO THEREIN, SHALL ALSO
BE AN EVENT OF DEFAULT UNDER THIS DEED OF TRUST. THIS DEED OF TRUST IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS:
PAYMENT AND PERFORMANCE. Except as otherwise provided in this Deed of Trust, Grantor shall pay to Lender all amounts secured by thi~
Deed of Trust as they become due, and shall strictly and in a timely manner perform all of Grantor's obligations under the Note, this Deed 0
Trust, and the Related Documents.
CONSTRUCTION MORTGAGE. This Deed of Trust is a "construction mortgage" for the purposes of Sections 9<334 and 2A-309 of the Uniforrr
Commercial Code, as those sections have been adopted by the State of Idaho.
POSSESSJON AND MAINTENANCE OF THE PROPERTY. Grantor agrees that Grantor's possession and use of the Property shall be governed b)
the fOllowing provisions:
Possession tlnd Use. Untll the occurrence of an Event of Default. Grantor may (1) remain in possession and control of the Property; [2
use, operate or manage the Property; and (3) collect the Rents from the Property. The following provisions relate to the use of th!
Property or to other limitations on the Property. THE REAL PROPERTY EITHER IS NOT MORE THAN FORTY (40) ACRES IN AREA OR IS
LOCATED WITHIN AN INCORPORATED CITY OR VILLAGE.
Duty to Maintain. Grantor shall maintain the Property in good condition and promptly perform all repairs, replacements. and maintenancl
necessary to preserve its value.
Comp1i!l.nce With Environmental Laws. Grantor represents and warrants to Lender that: (1) Durlng the period of Grantor's ownership 0
the Property, there has been no use, generation, manufacture, storage. treatment, disposal, release or threatened release of any Hal!:ardoy:
DEED OF TRUST
(Continued)
Page
Substance by any person on, under, about or from the Property; (2) Grantor has no knowledge of, or reason to believe that there h~
been, except <IS previously disclosed to and acknowledged by Lender in writing, (a) any breach or violation of any Environmental Law:
Ib) any use, generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance on, unde
about or from the Property by any prior owners or occupants of the Property, or (c) any actual or threatened litigation or claims of an
kind by any person relating to such matters; and {3} Except as previously disclosed to and acknowledged by lender in writing, (a) neith~
Grantor nor any tenant, contractor, agent or other authorized user of the Property shalf use, generate, manufacture, store, treat, dispose c
or release any Hazardous Substance on, under, about or from the Property; and (bl any such activity shall be conducted in complianc
with all applicable federal, state, and local laws, regulations and ordinances, including without limitation all Environmental laws. Grantc
authorizes Lender and its agents to enter upon the Property to make such inspections and tests, at Grantor's expense, as Lender may deer
appropriate to determine compliance of the Property with this section of the Deed of Trust. Any inspections or tests made by Lender sha
be for lender's purposes only and shall not be construed to create any responsibility or liability on the part of Lender to Grantor or to an
other person. The representations and warranties contained herein are based on Grantor's due diligence in investigating the Property fc
Hazardous Substances. Grantor hereby (1) releases and waives any future claims against lender for indemnity or contribution in th,
event Grantor becomes liable for cleanup or other costs under any such laws; and (2) agrees to indemnify and hold harmless Lende
against any and all claims, losses, liabilities, damages, penalties, and expenses which Lender may directly or indirectly sustain or suffe
resulting from a breach of this section of the Deed of Trust or as a consequence of any use, generation, manufacture, storage, disposal
release or threatened release occurring prior to Grantor's ownership or interest in the Property, whether or not the same was or shoul
have been known to Grantor. The provisions of this section of the Deed of Trust, including the obligation to indemnify, shall survive thl
payment of the Indebtedness and the satisfaction and reconveyance of the lien of this Deed of Trust and shal! not be affected by Lender':
acquisition of any interest in the Property, whether by foreclosure or otherwise.
Nuisance, Waste. Grantor shall not cause, conduct or permit any nuisance nor commit, permit, or suffer any stripping of or waste on or tt
the Property or any portion of the Property. Without limiting the generality of the foregoing, Grantor will not remove, or grant to any othe
party the right to remove, any timber, minerals [including oil and gas), coal, clay, scoria, soil, grave! or rock products without Lender's prio
written consent.
Removal of Improvements. Grantor shall not demolish or remove any ImpfOvemems from the Real Property without lender's prior writter
consent. As a condition to the removal of any Improvements, Lender may require Grantor to make arrangements satisfactory to Lender t<
replace such Improvements with Improvements of at least equal value.
Lender's Right to Enter. Lender and Lender's agents and representatives may enter upon the Real Property at all reasonable times to attem
to Lender's interests and to inspect the Real Property for purposes of Grantor's complhmce with the terms and conditions of this Deed o.
Trust.
Compliance with Governmental Requirements. Grantor shalt promptly comply with all laws, ordinances, and regulations, now or hereattel
in effect, of all governmental authorities applicable to the use or occupancy of the Property. Grantor may contest in good faith any sud
law, ordinance, or regUlation and withhold compliance during any proceeding, including appropriate appears, so long as Grantor has notifie,
Lender in writing prior to doing so and 50 long as, in Lender's sofa opinion, Lender's interests in the Property are not Jeopardized. Lendel
may require Grantor to post adequate security or a surety bond, reasonably satisfactory to Lender, to protect Lender's interest.
Duty to Protect. Grantor agrees neither to abandon or leave unattended the Property. Grantor shall do all other acts, in addition to thOSE
acts set forth above in this section, which from the character and use of the Property are reasonably necessary to protect and preserve th€
Property.
Construction Loan. If some or all of the proceeds of the loan creating the Indebtedness are to be used to construct or complete
construction of any fmprovements on the Property, the Improvements shall be completed no later than the maturity date of the Note (or
such earlier date as lender may reasonably establishl and Grantor shaff pay in full aU costs and expenses in connection with the work.
Lender will disburse loan proceeds under such terms amI conditions as Lender may deem reasonably necessary to insure that the Interest
created by this Deed of Trust shall have priority over all possible liens, incfuding those of material suppliers and workmen. lender may
require, among other things, that disbursement requests be supported by receipted bills, expense affidavits, waivers of liens, construction
progress reports, and such other dacumentation as lender may reasonably request.
DUE ON SALE - CONSENT BY LENDER. Lender may, at lender's option, declare immediately due and payable alf sums'secured by this Deed of
Trust upon the sale or transfer, without Lender's prior written consent, of alf or any part of the Real Property, or !any interest in the Real
Property. A .sale or transfer" means the conveyance of Real Property or any right, title or Interest in the Reaf Property;'whether legal, beneficiaf
or equitable; whether voluntary or involuntary; whether by outright sale, deed, installment sale contract, land contract, contract for deed,
leasehold interest with a term greater than three (3) years, lease-option contract, or by sale, assignment, or trsnsfer ohmy beneficial interest in
or to any land trust holding title to the Real Property, or by any other method of conveyance of an interest in the Real Property. However, this
option shall not be exercised by lender if such exercise JS prohibited by federal taw or by Idaho taw. ;
TAXES AND LIENS. The following provISIons relatIng to the taxes and liens on the Property are part of this Deed of Tru~t:
Payment. Grantor shall pay when due {and in all events prior to delinquency} aU taxes, special taxes, assessments, charges (including
water and sewer), fines and impositions levied against or on account of the Property, and shall pay when due all claims for work done on or
for services rendered or material furnished to the Property. Grantw shall mainttiin the Property free of all liens having priority over or equal
to the interest of lender under this Deed of Trust, except for the lien of taxes and assessments not due and except as otherwise provided
in this Deed of Trust. 1
Right to Contest. Grantor may withhold payment of any tax, assessment, or claim in connection with a good faith dispute over the
obligation to pay, so long as lender's Interest in the Property is not Jeopardized. If a lien arises or is filed as a result of nonpayment,
Grantor shalf within fifteen (15) days after the lien arises cr, if a lien is fHed, within fifteen (15) days after Gr<lntor has notice of the filing,
secure the discharge of the lien, or if requested by Lender, deposit with Lender cash or a sufficient corporate surety bond or other security
satisffJctory to lender in an amount sufficient to discharge the lien plus any cosrs and reasonable attorneys' fees, or other charges that
could accrue as a resuit of a foreclosure or sale under the lien. In any Gontest, Grantor shall defend itself and Lender and shall satisfy any
adverse Judgment before enforcement against the Property. Grantor shall name Lender as an additional obligee under any surety bond
furnished in the contest proceedings.
Evidence of Payment. Grantor shal/upon demand furnish to Lender satisfectory evidence of payment of the taxes or assessments and s~all
authorize the appropriate governmental official to deliver to Lender at any time a written statement of the taxes and assessments agalf1st
the Property.
DEED OF TRUST
(Continued]
Page:
Notice of Construction. Grantor shall notify Lender at least fifteen (15) days before any work is commenced, any services are furnished, 0
any materials are supplied to the Property, if any mechanic's lien, materialmen's lien, or other lien could be asserted on account of th,
work, services, or materials. Grantor wltl upon request of lender furnish to lender advance assurances satisfactory to Lender that Granto
can and wilt pay the cost of such improvements.
PROPERTY DAMAGE INSURANCE. The following provisions relating to insuring the Property are a part of this Deed of Trust.
Maintenance of Insurance. Grantor shall procure and maintain policies of fire insurance with standard extended coverage endorsements 01
a replacement basis for the full insurable value covering alf Improvements on the Real Property in an amount sufficient to avoid applicatior
of any coinsurance clause, and with a standard mortgagee clause in favor of Lender, together with such other hazard and liability insuranc,
as Lender may reasonably require. Policies shall be written in form, amounts, coverages and basis reasonably acceptable to Lender anl
issued by a company or companies reasonably acceptable to lender. Grantor, upon request of Lender, will deliver to Lender from time te
time the policies or certificates of insurance in form satisfactory to Lender, including stipUlations that coverages will not be cancelled 0
diminished without at least thirty (30) days prior written notice to Lender. Each insurance policy also shall include an endorsemen
providing that coverage in favor of lender will not be impaired in any way by any act, omission or default of Grantor or any other person
Should the Real Property be located in an area designated by the Director of the Federal Emergency Management Agency as a special flool
hazard area, Grantor agrees to obtain and maintain Federal Flood Insurance, if available, within 45 days after notice is given by Lender tha
the Property is located in a special flood hazard area, for the full unpaid principal balance of the loan and any prior liens on the propert'
securing the loan, up to the maximum policy limits set under the National Flood insurance Program, or as otherwise required by Lender, an,
to maintain such insurance for the term of the loan.
Application of Proceeds. Grantor shall promptly notify Lender of any loss or damage to the Property. Lender may make proof of loss i
Grantor fails to do so within fifteen (15) days of the casualty. \I\fnether or not Lender's security is impaired, Lender may, at Lender':
election, receive and retain the proceeds of any insurance and apply the proceeds to the reduction of the Indebtedness, payment of any liel
affecting the Property, or the restoration and repair of the Property. If Lender elects to apply the proceeds to restoration and repair, Granto
shall repair or replace the damaged or destroyed Improvements in a manner satisfactory to lender. Lender shall, upon satisfactory proof 0
such expenditure, payor reimburse Grantor from the proceeds for the reasonable cost of repair or restoration if Grantor is not in defaul
under this Deed of Trust. Any proceeds which have not been disbursed within 180 days after their receipt and which Lender has no
committed to the repair or restoration of the Property shall be used first to pay any amount owing to Lender under this Deed of Trust, thel
to pay accrued interest, and the remainder, if any, shall be applied to the principal balance of the Indebtedness. If Lender holds an'
proceeds after payment in full of the Indebtedness, such procesds 5haIJ be paid to Grantor as Grantor's interests may appear.
LENDER'S EXPENDITURES. If Grantor faHs (A) to keep the Property free of all taxes, Hens, security interests, encumbrances, and other claims,
(B) to provide any required insurance on the Property, or {C) to make repairs to the Property then Lender may do so. If any action 0
proceeding is commenced that would materially affect Lender's Interests in the Property, then Lender on Grantor's behalf may, but Is no
required to, take any action that Lender believes to be appropriate to protect Lender's interests. All expenses incurred or paid by Lender fo
such purposes will then bear interest at the rate charged under the Note from the date incurred or paid by Lender to the date of repayment b'
Grantor. All such expenses wilt become a part of the Indebtedness and, at lender's option, will (A) be payable on demand; (8) be added t{
the balance of the Note and be apportioned among and be payable with any installment payments to o"come due during either (1) the term 0
any applicable insurance pcHcy;or (2) the remaining term of the Note; or (C) be treated as a bailoon payment which will be due and payablE
at the Note's matwril'{, The Deed .of Trust also ""ili secure payment of these amounts. The rights provided for in this paragraph shall be il
addition to any other rights or any remedies to which Lender may be entitled on account of any default. Any such m:;tion by Lender shall not be
construed as curing the default so as to bar Lender from any remedy that it otherwise would hove hod.
WARRANTY; DEFENSE OF TITLE. The following provisions reloting to ownership of the Property are a part of this Deed aT Trust:
Title. Grantor warrants that: (al Grantor holds good and marketable title of record to the Property in fee simple, free and clear of all lienl
and encumbrances other than those set forth in the Real Property description or in any title insurance policy, title report, or final title opinior
issued in favor of, and accepted by, lender in connection with this Deed of Trust, and (b) Grantor has the fut! right, power, and authorit'
to execute and deliver this Deed of Trust to Lender.
Defense of Title. SUbJeot to tl1e exception in the paragraph above, Grantor warrants and wlll forever defend the title to the Property agains
the lawful claims of all persons. In the event any Bctlonor proceeding is commenced that questions Grantor's title or the interest o'
Trustee or lender under this Deed of Trust, Grantor shall defend the action at Grantor's expense. Grantor may be the nominal party if
such proceeding, but Lender shall be entitled to participate in the proceeding and to be represented in the proceeding by counsel 0
Lender's own choice, and Grantor will deliver, or cause to be delivered, to Lender such instruments as Lender may request from time tc
time to permit such participation.
Complinnce With Laws. Grantor warrants that the Property and Grantor's use of the Property complies with arr existing applicable laws
ordinances, and regulations of governmental authorities.
Survival of Promises. All promises, agreements, and statements Grantor has made in this Deed of Trust shall survive the execution anc
delivery of this Deed of Trust, shall be continuing in nature and shaU remain in full force and effect until such time as Grantor':
Indebtedness is paid in full.
CONDEMNATION. The following provisions relating to condemnation proceedings are a part of this Deed of Trust:
Proceedings. If any proceeding in condemnation is filed, Grantor shall promptly notify Lender in writing, and Grantor shall promptly takf
such steps as may be necessary to defend the action and obtain the award. Grantor may be the 110minal party in such proceeding, bu
Lender shall be entitled to participate in the proceeding and to be represented in the proceeding by counsel of its ovm chQice, and Glanto,
will deliver or cause to be delivered to lender such instruments and documentation as may be requested by lender from time to time ,{
permit such participation.
Application of Net Proceeds. If all or any part of the Property is condemned by eminent domain pwceedings or by any proceeding 0
purchase in lieu of condemnation, Lender may at its election require thot 3!i or any pCJrtion 01 tile n'2t p,oceeds of the "".,,;;ro be: applied "
the lndebtedness or the tepeir or restoration of the Propertv. ltle nel:. procel~ds of rr!f 8VJ2ru shaH ilP:;:bn tl'H:: iJv..'iJrd a{ter pa'/:ncnt ()T ;::;
reasonable costs, expenses, <:lnd attorneys' fees incurred by Trustee or Lender in connection with the condemnation.
IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The following provisions relating to governmental taxes,
fees and charges are a part of this Deed of Trust;
DEED OF TRUST
(Continued)
Page 4
Current Texes, Fees end Charges. Upon request by Lender, Grantor shall execute such documents in addition to this Deed of Trust ana
take whatever other action is requested by Lender to perfect end continue lender's lien on the Real Property. Grantor :;hall reimburse
lender for all taxes, as described below, together with all expenses incurred in recording, perfecting or continuing this Deed of Trust.
including without limitation all taxes, fees, documentary stamps, and other charges for recording Of registering this Deed of Trust.
Taxes. The following shall constitute taxes to which this section applies: (1) a specific tax upon this type of Deed of Trust or upon all or
any part of the Indebtedness secured by this Deed of Trust; (2) a specific tax on Grantor which Grantor is authorized or required tc
deduct from payments on the Indebtedness secured by this type of Deed of Trust; (3) a tax on this type of Deed of Trust chargeable
against the Lender or the holder of the Note; and 141 a specific tax on ail or any portion of the Indebtedness or on payments of principal
and interest made by Grantor.
Subsequent Taxes. If any tax to which this section applies is enacted subsequent to the date of this Deed of Trust, this event shall have
the same effect as an Event of Default, and lender may exercise any or all of its available remedies for an Event of Default as provided
below unless Grantor either (1) pays the tax before it becomes delinquent, or (2) contests the tax as provided above in the Taxes and
Liens section and deposits with Lender cash or a sufficient corporate surety bond or other security satisfactory to Lender.
SECURITY AGREEMENT; FINANCING STATEMENTS_ The following prOvisions relating to this Deed of Trust as a security agreement are a part
of this Deed of Trust:
Security Agreement. This instrument shall constitute a Security Agreement to the extent any of the Property constitutes fixtures, and
Lender shall have all of the rights of 11 secured party under the Uniform Commercial Code as amended from time to time.
Security Interest. Upon request by Lender, Grantor shall take whatever action is requested by Lender to perfect and continue Lender's
security interest in the Personal Property. In addition to recording this Deed of Trust in the real property records, Lender may, at any time
and without further authorization from Grantor, file executed counterparts, copies or reproductions of this Deed of Trust as a financing
statement. Grantor shalf reimburse Lender fer all expenses incurred in perfecting or continuing this security interest. Upon default, Grantor
shall not remove, sever or detach the Personal Property from the Property. Upon defaUlt, Grantor shalJ assemble any Personal Property not
affixed to the Property in a manner and at a place reasonably convenient to Grantor and lender and make it available to Lender within three
(3) days after receipt of written demand from Lender to the extent permitted by appHcabre raw.
Addresses. The mailing addresses of Grantor (debtor) and lender (secured party) from which information concerning the security interest
granted by this Deed of Trust may be obtained (each DS reqUired by the Unikrm Commercial Code) are as stated on the first page of this
Deed of Trust.
FURTHER ASSURANCES; ATTORNEY-!N-FACT. The foflowing provisions relating to further assurances and attorney-in-fact are a part of this
Deed of Trust:
Further Assurances. At any time, and from time to time, upon request of Lender, Grantor will make, execute and deliver, or will cause to
be made, executed or dellvered, to Lender or to Lender'sdeslgnee, and when requested by lender, cause to be filed, recorded, refiled, or
rerecorded, as the case may be, at such times and in such offices and places as Lender may deem appropriate, any and all such mortgages,
deeds of trust, security deeds, security agreements, financing statements, continuation statements, instruments of further assurance,
certificates, and other documents as may, in the sole opinion of Lender, be necessary or desirable in order to effectuate, complete, perfect,
continue, or preserve 0) Grantor's obligations under the Note, this Deed of Trust, and the Related Documents, and (2) the liens and
security interests created by this Deed of Trust as first and prior liens on the Property, whether now owned or hereafter acquired by
Grantor. Unless prohibited by law or Lender agrees to the contrary in writing, Grantor shall reimburse Lender for all costs and expenses
incurred in connection with the matter:; referred to in this paragraph.
Attorney-in-Fact. If Grantor fails to do any of the things referred to in the preceding paragraph, Lender may do so for and in the name of
Grantor and at Grantor's ei,pense. For such purposes, Grantor herebYlrrevocabJy appoints lender as Granter's attorney-In-fact for the
purpose of making, executing, delivering, filing, recording, and doing all other things 8S may be necessary or desirable, in Lender's sole
opinion, to accomplish the matters referred to in the preceding paragraph.
FULL PERFORMANCE. If Grantor pays all the Indebtedness when due, <ind othenNise performs all the obllgotions imposed upon Grontor under
this Deed of Trust. lender shall execute and deliver to Trustee a request for full reconveyanco and shall exeCUTe and deliver to Grantor suitable
statements of termination of any financing st8tementon fite evidencing Lender's security interest in the Rents and the Personal Property. Any
reconveyance T22 required by !':i\V shrilf hf~ pt1-irl b'l GrE1ntr;J/ if perrnitted bV ap;::dk:ZJbfe- !:nv,
DEFAULT. At Lender's option, Gr<Jntor will be in dcf;Jult under this Deed of Trust If any (If the follO\Ning happen:
Fre:ud or fiflnterrc.l rlJ1krepres:ent~tiQn. Gr2ntor cornn1~ts frt~ud or rnaterird rnisrepresentetion in COrHi8GtlO!l \"lith the terms of the Note.
Pn\tmcnt DefnulL Gr3ntor falis to meet the .repavment terms .or the Note: fer .;Jny Dutst:r:dlilg bdz;;nC0.
Other Defauits. Grantcr~s :act .[,r f?!Hur-e to .2Ct ad'/8rselv 2Hects Lend-er1-s-secf)rH'j jn'{~?rest ~n the Property" or BnV right of Lender"s in slIch
security.
RIGHTS AND REr1JiED!ES Of\! DEFAULT. If en Event of D",fiJult occurs under this Deed of Trust, ;:;t ,my time tlleresTter, Trustee or Lender may
exercise anyone or more or the following rights and remedies:
NoUce of DefnuIL fn the Event of DerauH Lend-2i shall execute or cause the Trustee to execute a \;~Nitt8n notice of such default and of
Lenderrs election to cause the Proper!'y' to be sold to satisfy the ~ndeb!ednesSr and shaU cause such notice to be recorded in the office or
the reGorder of e;Jch county wherein the Renl Property, or any part thereof, is sltuoted.
Erec.tion of Rcrncdhrs~ AH of Lcndc:r's rioht;:; G.nd reni2di.:;;:; \.'\im be GurtiulGt~ve -2ind rCia\/ Pi; exefci5ed alone or too;ether. P~n election bY'
Lender to chooGe iJny one remedy ;v1lJ not-- bar tender from using nny other refnedy~ If L~nder dacid2~ to spend mon-ey or to perforrn any of
Grarnorts QbHgath;;ns under thi5 D~ed -of TpJ$t; after Gr2ntcr1z fz;]ure to aD ;;O~ that decIsion by Lender v/IH not 8ffect Lenderts right to
declare Grantor in default and [0 exercise Lender's remedies.
Accelerete Indebtedness. Lender sha!! have the right 2t its option without notice to Gl'o!1tor to declare the entire Indebtedness immediately
due and payabie... including 2ny pj'ep2;'Yr(~ent penaity v\!hIch Grantor \vou!u blj r8:quiH2d to Pi."iY.
Foreclosure. With respEct to all or any pan of tile Real Property, the Trust",,", shall have the fight to foreclose by notice and sale, and
Lender shnU h~ve ttlG right to foreclose bV jud:c~81 iore.CtCS'Uf9, in eHher esse in 2cccrdunctt \N~th 8nd to the fuU extent provided by
applicable low,
DEED OF TRUST
(Continued)
Page E
UCC Remedies. Vllith respect to all or any part of the Personal Property, Lender shall have all the rights and remedies of a secured part'
under the Uniform Commercial Code.
Collect Rents, Lender shalf have the right, without notice to Grantor to take possession of and manage the Property and colfect the Rents
including amounts past due and unpaid, and apply the net proceeds, over and above lender's costs, against the Indebtedness. Jr
furtherance of this right, Lender may require any tenant or other user of the Property to make payments of rent or use fees directly t(
Lender. If the Rents are collected by Lender, then Grantor irrevocably designates Lender as Grantor's attorney-in-fact to endorSE
instruments received in payment thereof in the name of Grantor and to negotiate the same and collect the proceeds. Payments by tenant~
or other users to Lender in response to Lender's demand shall satisfy the obligations for which the payments are made, whether or not an}
proper grounds for the demand existed. Lender may exercise its rights under this subparagraph either in person, by agent, or through"
receiver.
Appoint Receiver. Lender shall have the right to have a receiver appointed to take possession of all or any part of the Property, with thE
power to protect and preserve the Property, to operate the Property preceding foreclosure or saJe, and to collect the Rents from the
Property and apply the proceeds, over and above the cost of the receivership, against the Indebtedness. The receiver may serve withou'
bond if permitted by law. Lender's right to the appointment of e receiver shalf exist ~vhether or not the apparent value of the Propert~
exceeds the Indebtedness by a substantial amount. Employment by Lender shalf not disqualify a person from serving as a receiver.
Tenancy at Sufferance. If Grantor remains in possession of the Property after the Property is soJd as provided above or Lender otherwiSE
becomes entitled to possession of the Property upon default of Grantor, Grantor shall become a tenant at sufferance of lender or the
purchaser of the Property and shall, at Lender's option, either (1) pay a reasonable rental for the use of the Property, or (2) vacate the
Property immediately upon the demand of Lender.
Other Remedies. Trustee or Lender shall have any other right or remedy provided in this Deed of Trust or the Note or by law.
Notice of Sole. Lender shall give Grantor reasonable notice of the time and place or any pUblic sale of the Personal Property or of the time
after which any prJvate sale or other intended disposition of the Personal Property is to be made, Reasonable notice shaH mean notice
given at least ten nO) days before the time of the sale or disposition. Any sale of the Personal Property may be made in conjunction with
any sale of the Real Property.
Sole of the Property. To the extent permitted by Bpplicable law, Grantor hereby waives Bny and all rights to have the Property marshalled.
In exercising its rights and remedies, the Trustee or Lender shall be free to seIl zll crany part jJf the Property together or separately, in one
sale or by separate seles. Lender shall be entitfed to bid at any public safe on af! or any portion of the Property. Notice of saJe having beer
given as then required by law, and not less than the time required by' law having elapsed, Trustee, without demand on Grantor, shall sell
the property at the time and place fixed by it in the notice of sale at public auction to the highest bidder for cash in lawful money of the
United States, payable at time of sale. Trustee shall deliver to the purchaser his or her deed conveying the Property so sold, but without
any covenant or warranty express or implied. The recitals in such deed of any matters or racts shall be conclusive proof of the truthfulness
of such matters or facts. After deducting all costs. fees and expenses .of Trustee end of this Trust. including cost of evidence of title and
reasonable attorneys' fees, including those in connection with the sale. Trustee shall apply proceeds of sole to payment of (e) oil sums
expended under this Deed of Trust, not then repaid with interest thereon as provided in this Deed ot Trust; fbl all Indebtedness secured
hereby; and (0) the remainder, jf any, to the person or persons legally entitled thereto.
t.\ttornBYS~ FG8S~ EXpSilS8S... ff LBnder 1nstitutes iJny ;:;u~t or setlciil to 1:?nfl)rCl~ ~~Iny of 1;~~e terrt~s 01 this Deed of Trus!; Lender si1aU be entiHeJ
to r2CQ\/er ZUCf) .surf} .0;:; th8 court n1~l'i adjudge reasonable a~ artorney-,S i Tees at trIa; and upon DIiV apP2aL \.iVhether or not any COUit action
is involved! and to the extent not prohib~ted by ~avJt aU r8C"!50n~juj{~~ e>~pcnD0S Lend~;r if1GUrS thst .~n Lender's Doinlon are- necessarv at an\-'
time for thp, protection of ~ts interest or the enforce.rnent ef its rlqht.s- sh-,:~~ b~::-::cn;:,::~ to c:z;:-t c1- '1iF- ~>.",,~t.~\._ '..._;' ,"~'~\~'C~'-cj ,--, , ''-'''',n,
,be(]r interes.t at the Note e rate hor:' the d?te or the expsnditt!T0 un tit iep2isL [~~pen5:S CO\l€:fGG Vi lh.~s p2fi39raptl ~n-::,kioe~ ~Nitnout j~ml~;~3l-ionJ
fli.:"r.,I~lfer -S1.!~!2~.t ~0 ?t1\'''- ~'r!''>';-(~ 1.!~'l~~~'F:!' :~!r:f'~i~(,~::~l,;~_Q ~:_~~U! 1 1,~.:,_:-:-:~;e~~r~~~hL.,:, ~\.f\'r""";e'-~'3y:e~' ~~.~,:'i~,:' :;";d .:...,:"..-.-,.....-I-:'~{: ~:"~_~2: e):;:c':-i::::.-::: ,uh::~!-;e:'" ~r r-.2~ :~"..:':'..:- ;~~
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R~Dh;s of Tn.r:~t:;~ T:-nr-:;7\~~~ sh.~:!! h_~./:~ .c:!i ref Th,::: rL<~:r:,:; :.~"'d ,'fl ,i ~.:...'~ /..,? ~ ;:l_"';;..!~'-"
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l:iI.';~'~\jrl Of prQGtlijUHI~ Hi VVfH{;11 Urani:.Vf, L-:::iHJi::'ft -c;" "i"rUt?i!;;\:o ~if~QH U~ a pBny-, unH~~~ >~ilt: ~i::F;li(){l Of fii'th;ij'thj't'ISl~;:j UrQU~iH !;y Truo~c'd.
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DEED OF TRUST
(Continued)
Page [
law), when deposited with a nationally r~hognized overnight courier, or, if mailed, when deposited in the United States mail, as first class
certified or registered mail postage prepaid, directed to the addresses shown near the beginning of this Deed of Trust. All copies of notices t
foreclosure from the holder of any lien which has priority over this Deed of Trust shall be sent to lender's address, as shown near the beginnin-
of this Deed of Trust. Any person may change his or her address for notices under this Deed of Trust by giving formal written notice to th,
other person or persons, specifying that the purpose of the notice is to change the person's address. For notice purposes, Grantor agrees t,
keep lender informed at all times of Grantor's current address. Unless otherwise provided or required by law, if there is more than one GrantOI
any notice given by lender to any Grantor is deemed to be notice given to all Grantors. It will be Grantor's responsibility to tell the others of th,
notice from Lender.
FURTHER ASSURANCES. The parties hereto agree to do all things deemed necessary by lender in order to fully document the loan evidencee
by this Note and any related agreements, and wilt fully cooperate concerning the execution and delivery of security agreements, stock powers
instructions and/or other documents pertaining to any corrateral intended to secure the Indebtedness. The undersigned agree to assist In th,
cure of any defects in the execution, detivery or substanoe of the Note and related agreements, and in the creation and perfection of any liens
security interests or other collateral rights securing the Note.
CONSENT TO SELL LOAN. The parties hereto agree: fa] Lender may self or transfer all or part of this loan to one or more purchasers, whethel
related or unrelated to Lender; (b) Lender may provide to any purchaser, or potential purchaser, any information or knowledge Lender may hav!
about the parties or about any other matter relating to this loan obligation, and the parties waive any rights to privacy it may have with respec'
to such matters; (c) the purchaser of a loan win be considered its absolute owner and will have all the rights granted under the loan document!
or agreements governing the sale of the roan; and (d) the purchaser of a roan may enforce its interests irrespective of any claims or defense:
that the parties may have against Lender.
FACSIMILE AND COUNTERPft-RT. This document may be signed in any number of separate copies, each of which shall be effective as an
original, but all of which taken together shari constitutes single document. An electronic transmission or other facsimile of this document 0
any related document shall be deemed an original and shail be admissible as Bvidence of the document End the signer's execution.
ARBITRATION AGREEMENT. Arbitration - Binding Arbitration. lender and each party to this agreement hereby agree, upon demand by an~
party, to submit any Dispute to binding arbitration in accordance with the terms of this Arbitration Program. A "Dispute" shall include an}
dispute, claim or controversy of any kind, whether in contract or in tort, Legal or equitable, now existing or hereafter arising, relating in any way
to this Agreement or any related agreement incorporating this Arbitration Program (the" Documents"), or any past, present. or future loans,
!ranszctions1 c-cntrZicts, Dgreenlenl$, reltlticf1sh;psf inc~d0nts or injuries of any kind ,tihatscaver relating to cr inVOlving Business Banking
Regional Banking, or any successor group or department of Lender, DISPUTES SUBMITTED TO ARBITAATION ARE NOT RESOLVED IN COURT
BY A JUDGE OR JURY,
Governing Rutes. Any arbitration proceeding will (j) be governed by the Federal ArbitraLlol\ Act (Title 9 of the United States Code),
nOLwitilstandinfJ an,! confhcting CnC!CB ot t8'/J provision inal1y of the documents bGtween the parties; and (ii) be conducted by the AAA
>:\r(~j.:~I;(:~,~~n A.rb:tr.eticn /\:::;,sDc_!::bcnt cr sue;l cU.ef -;)dmin~st(;:Jtcr as the parties shaH mutualbi agree upon.. 'in 2cGc,rd.anC2 \.-I;Jith the AAA':;
(;()"'Ul<:Icjai d,spute reSOlution procedures, unless ,he claim or cOlintercli.Hmis at least $1,000.000.00 exclusive of claimed interest. Drbitmtior
fees and costs In \.tt.fhich case the arbitratlDn ,sh,')H be GonrJ'u::-tP0 in nC{~(w(i;lq(':1) \:vah the LJ.~)~ ~s o:UtT,"",n~~ Q;'Jc~0dut"t~s fr'i~ hroe. r.ii!1;[l1('.,.
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DEED OF TRUST
(Continued)
Page ~
arbitration proceeding within 180 days of the filing of the Dispute with the AAA. The resolution of any Dispute shall be determined by i
separate arbitration proceeding and such Dispute shaff not be consolidated with other disputes or included in any ctass proceeding. No arbitratOI
or other party to an arbitration proceeding may disclose the existence, content or results thereof, except for disclosures of information by i
party required in the ordinary course of its business or by applicable law or regulation. If more than one agreement for arbitration by or betweer
the parties potentially applies to a Dispute, the arbitration provision most directly related to the documents between the parties or the subJec
matter of the Dispute shall control. This arbitration provision shall survive termination, amendment or expiration of any of the documents or an\
relationship between the parties.
State-Specific Provisions.
If California law governs the Dispute, the following provision is included:
Real Property Collateral; Judicial Reference. Notwithstanding anything herein to the contrary, no Dispute shall be submitted to arbitration if the
Dispute concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless the holder of the mortgage, lien 0
security interest specifically elects in writing to proceed with the arbitration. If any such Dispute is not submitted to arbitration, the Dispute
shall, at the election of any party, be referred to a referee in accordance with California Code of Civil Procedure Section 638 et seq., and thi~
general reference agreement is intended to be specifically enforceable in accordance with said Section 638. A referee with the qualificatiom
required herein for arbitrators shall be selected pursuant to the AAA'f;, selection procedures. Judgment upon the decision rendered by a referee
shall be entered in the court in which such proceeding was commenced in accordance with California Code of Civil Procedure Sections 644 ane
645.
If Idaho law governs the Dispute, the following provision is included:
Real Property Collateral; Judicial Reference. Notwithstanding anything herein to the contrary, no dispute shall be SUbmitted to arbitration if the
dispute concerns indebtedness secured directly Of indirectly, in whole or in part, by Eny reel property unless (i} the holder of the mortgage, lier
or security interest specifically elects in writing to proceed with the arbitration, or (il} alf parties to the arbitration waive any rights or benefit~
that might accrue to them by virtue of the single action rule statute of Idaho, thereby agreeing that all indebtedness and obligations of th.
parties, and all mortgages, [jens and security interests securing such indebtedness and obligations, shall remain fUlly valid and enforceable.
If Montana law governs the Dispute, the following provision is included:
Real Property Collateral: Judicial Reference. Notwithstanding anything herein to the contrary, no dispute shall be submitted to arbitration if th~
dispute concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless (il the holder of the mortgage, lier
or security interest specifically elects in writing to proceed with the arbitrDtion, or fii}ail parties to the arbitration waive any rights or benefiH
that might accrue to them by virtue ,of the single action rule statute of l\;lcntana, thereby agreeing that all indebtedness and obligations of the
parties, and all mortgages, liens and securityirrtereS1G securing such indebtednesG and obligations, shall remain fully valid and enforceable.
If Nevada law governs the Dispute, the following provision is included:
~(-:8i fn;:;-)<;::,TIV C,cii.813r:j; J-ur.;jcbi ,f';eJBrencD. ,;..;ct~-.\<Ih3I2nd;no, 2rr~'-,th~ng he.rein to the ccntr3ry.. no dfsputesh:aH be submitted to arbitration if thE
~.::;,,,;;;;J :':::3:;".; cr :;,;JT2Cli;. ;n '.'-'l.c!9 or JI1 D8fL bvsny real properly unless HI the holder of the mortgage. lier
~:_~~C~;;I;' in:::;::: :::,:,:.i::,C~:; .~:~ccs ~.~::':;r~~~}? t;~~~'~~.;'~;i~~::~8~_ 2~Ditr8tl~i;~ or (ii) 8it parties~o _tl~~~:bl~:~~i~~~:~~~~ ~a"~y ~i>ge~t:,~~"ben,ef:~:
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DEED OF TRUST
(Continued)
Page
remains in effect.
Severability. If a court finds that any provision of this Deed of Trust is not valid or should not be enforced, that fact by itself will not me~
that the rest of this Deed of Trust will not be valid or enforced. Therefore, a court wlll enforce the rest of the provisions of this Deed (
Trust even if a provision of this Deed of Trust may be found to be invalid or unenforceable.
Successors and Assigns. Subject to any limitations stated in this Deed of Trust on transfer of Grantor's interest, this Deed of Trust shall t
binding upon and inure to the benefit of the parties, their successors and assigns. If ownership of the Property becomes vested in a perse
other than Grantor, Lender, without notico to Grantor, may deal with Grantor's successors with reference to this Deed of Trust and th
Indebtedness by way of forbearance or extension without releasing Grantor from the obligations of this Deed of Trust or liability under tl-
lnde btedness.
Time is of the Essence. Time is of the essence in the performance of this Deed of Trust.
Wfliver of Homestead Exemption. Grantor hereby releases and "'vaives aU rights and benefits of the homestead exemption laws of the Stal
Of Idaho as to all Indebtedness secured by this Deed of Trust.
DEFINITIONS. The following words shall have the following meanings when used in this Deed of Trust:
Beneficiary. The word "Beneficiary" means Wells Fargo Bank, National Association, and its successors and assigns.
Borrower. The word "Borrower" means Jeff C. Kinsey and Tract A. Rice and includes an co.signers and co.makers signing the Note.
Deed of Trust. The words "Deed of Trust" mean this Deed of Trust among GrantDr, Lender, and Trustee, and includes without limitation 1
assignment and security interest prOVIsions relating to the Personal Property ancl Rents.
Environmental LaWS. The words "Environmental Laws' mean any and all state, federal and local statutes, regulations and ordinance-
relating to the protection of human health or the environment, including Without !imitation the Comprehensive Environmental Respons.
Compensation, and liability Act of 1980, as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"), the Superfund Amendments an
Reauthorization Act of 1 9S6, Pub. L. No. 99-499 ("SARA "J, the Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, et seq
the Resource Conservation and Recovery Act. 42 V.S.C. Section 6901 ,at seq., or other applicable state or federal laws, rules, (
regulations adopted pursuant thereto.
Event of Default. The words "Event of Default" mean any of the events of default set forth in this Deed of Trust in the events of defaL
section of this Deed of Trust.
Grantor. The word "Granter" means Jeff C. Kinsey and Traci A Rice.
Hal:ordous Substances. The words "Hazardous Substances" maan materials tn;;;t, because of their quantity. concentration or physic~
chemical or infectious characteristics, may cause or pose a present or potential hazard to human health or the environment wht
improperly used, treated. stored, disposed of, generated, mallufactured, trails ported or otherwise handled. The words "HaznrdOl
S~,~bs-r?l"lc:e$" ore US8-cl in t.h8!r 1/''':J,rv brndck~~st 52n5~ end lnclude vJlthaut Iirrrtatioll .any and aH ho;;::ardous or toxic substances, ;nated.als I
~.~.'::,,:~1,.~" ?':"' ~L~i~n=?0 h:~ rr 1~~jc~O:-! I,!r;di""-rthe F~r~1r;i;.1!',!Y'~i.,,1>:<l LX,/'js Thj~ tprm "Hazardous Substanc.es"' also includes, VJithout IImitation~ petroieu
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!nlprU\fCrncnt5. ni"ht:' vvo:J ~.'!inprG'.;c(ncnt:f' sTl.C2n.:; 21l c/';~jstn.1G (ir:C .~UHYC: ifn,L;tC~':./l~rn2rn:::~ ,-,,1 ~(:U;1~::.. :~U"U~:~,'Y'> >, I('<'.~til,'~ i'i'-'~~!~~' ,:.::!~;:.-._'Vt~; ~Ji; 1..1
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;~~.:.? '.':c~<l t1 ~!:;t:::'1 ~"":~=::~: ~~? ::~~:~:::?'::~;_~ ~,:t..~ 0':"1"i"f:'0 r,,!0'_.{},,;>~b2~ ?? ?OO^.- in the OriQfnaJ nr~nc~r.:H1f arnount. of $: '156F400~G
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8'37(17-2203 end anv -SUb5!~tule or successor HUS"ie-25..
DEED OF TRUST
{Continued}
Pa ge 9
EACH GRANTOR ACKNOWlEDGES HAVING READ ALL THE PROVISIONS OF THIS DEED OF T UST, AND EACH GRANTOR AGREES TO ITS
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INDIVIDUAL ACKNOWLEDGMENT
STATE OF
COUNTY OF
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On this day of , in the year 20 , before me
, a notary public in and for the State of Idaho, personally appeared Jeff C. Kinsey and Traci A. Rice, known
or identified to me (or proved to me on the oath of ), to be the persons whose names are subscribed to
the within instrument and acknowtedged to me that they executed the same.
Residing at
Notary PUblic for tdaho
My commission expires
REQUEST FOR FUll RECONVEYANCE
(To be used only when obligations have been paid in full)
To: , Trustee
The undersigned is the legal owner and hOlder of all Indebtedness secured by this Deed of Trust. All sums secured by this Deed of Trust have
been fully paid and satisfied. You are hereby directed, upon payment to you of any sums owing to you under the terms of this Deed of Trust or
pursuant to any applicable statute, to cancel the Note secured by this Deed of Trust (which is delivered to you together with this Deed of Trust),
and to reconvey, without warranty, to the parties designated by the terms of this Deed of Trust, the estate now held by you under this Deed of
Trust. Please mail the reconveyance and Related Documents to:
Date:
Beneflclory:
By:
Its:
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JEFFREY C. KINSEY
TRACI A. RICE
CONSTRUCTION ACCOUNT
494 W CHIPMUNK CT.
KUNA. 10 83634
"
$ s-o t' TJD
Wells Fargo Bank, N,A.
877 West Main Street
8oise, ID 83702
wellsfargo.CQm
Memo rlJso Fet.lc.e, &Ua./tJ1U'>J.f-f -
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RADIUS NOTICE REPORT
FILE NAME: Kinsey
12-.1011-2005
Owners
Owner Address
CEDAR SPRINGS NEIGHBORHOOD ASSOCIA
Pl.OpCl1y Addrcss: N PORTAGE AVE
CEDAR SPRINGS NEIGHBORHOOD ASSOCIA
Propert)' Address: N PORTAGE AVE
CEDAR SPRINGS NEIGHBORHOOD ASSOCIA
Property Address: N PORTAGE AVE
CEDAR SPRINGS NEIGHBORHOOD ASSOCIA
PrOjlel1y Address: N PORTAGE AVE
CEDAR SPRINGS NEIGHBORHOOD ASSOCIA
PropcI1y Addl'css; N RHODES AVE
CEDAR SPRINGS NORTH NEIGHBORHOOD A
PropCl.ty Ad(h-css; N PORTAGE AVE
CEDAR SPRINGS NORTH NEIGHBORHOOD A
ProPCl"ty Addrcss; N RHODES AVE
CRESTWOOD CONSTRUCTION INC
Propcl1y Addrcss; 4083 N PORTAGE AVE
CRESTWOOD CONSTRUCTION INC
ProPCloty Addrcss; 521 W CRESCENT DR
4822 N ROSEPOINT WAY STE C
BOISE, ill 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ill 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ill 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ill 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ill 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ill 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ill 83713-0000
1245 E FAIRVIEW AVE
tv1ERIDIAN, ill 83642-0000
1245 E FAIRVIEW AVE
tv1ERlDIAN,ID 83642-0000
1
Owncrs
Ownc.' Adl.h'css
DUDUNAKE HARRY M
DUDUNAKE ILENE M
PrOJlcrty Address:
520 W ANTON DR
FLAHERTY CONSTRUCTION INC
Propel1y Address: 500 W YOSEMITE DR
HOWELL-MURDOCH DEVELOFMENT CORPO
Propcrty Address: N SU1VI1'v1IT WAY
HOWELL-MURDOCH DEVELOPMENT CORPO
ProJlcrty Addl'css: 4100 N PORTAGE AVE
HOWELL-MURDOCH DEVELOPMENT CORPO
Propcrty Address: 551 W YOSEMITE DR
HOWELL-MURDOCHDEVELOPMENTCORPO
Propcrty Address: 568 W YOSEMITE DR
HOWELL-MURDOCH DEVELOPMENT CORPO
Propcrty Address:
583 W YOSEMITE DR
KINSEY JEFF C
RICE TRACI A
Property Address:
517 WYOSEMITE DR
MILLER SCOTT L
Property Address:
492 W ANTON DR
NULL RICHARD
Property Address:
570 W ANTON DR
520 W ANTON DR
MERIDIAN, ID 83642-0000
6002 FRANKLIN RD
BOISE, ID 83709-0000
4822 N ROSEPOINT WAY STE C
BOISE, ID 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ID 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ID 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ID 83713-0000
4822 N ROSEPOINT WAY STE C
BOISE, ID 83713-0000
517 W YOSEMITE DR
MERIDIAN, ID 83642-0000
492 W ANTON DR
MERIDIAN, ill 83634-0000
570 W ANTON DR
MERIDIAN, ill 83642-0000
2
Owncrs
Owncr Addrcss
PAGE RENEE J
464 W ANTON DR
~FUOJIAN, ID 83642-0000
Pmpcrty Addrcss: 464 W ANTON DR
3