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Home My WebLink About874320 / - - - fO" REI.;EAs£ 0". fJ~/-.IlÎ 19~ ¥hIs Morfgage Sfl 1181.0/ (] .If MOITUEEt ",. / L¡ 8770702 WYCM-3051-C-1 3':,(/(J File # 01014776 Return To: WELLS FARGO HOME MORTGAGE, INC, 3601 MINNESOTA DR, SUITE 200 BLOOMINGTON, MN 55435 87LJ320 RECEIVED LlNCOU,t COUNTY CLERK 01 ./I.JL - S MI 9: 2 I dEANNE ;\(;NEF1 IŒMMfJ?CR. '¡\IYOMING Prepared By: WELLS FARGO HOME MORTGAGE, INC, i't..l'C'~ ' " t) 1", BObK~__::::" R PAGE 0 1 3 12550 SE 93RD AVE, SUITE 400, CLACKAMAS, OR 970150000 [Space Above Tlús Line For Recording Data] MORTGAGE DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated JUNE 25, 2001 together with all Riders to this document. (B) "Borrower" is JULIE M TRUCHOT , A SINGLE PERSON Borrower is the mortgagor under this Security Instrument. (C) "Lender" is WELLS FARGO HOME MORTGAGE, INC, Lender is a CORPORATION organized and existing under the laws of THE STATE OF CALIFORNIA WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 .. -6(WY) (0005) @ InitiaIS:--.J.L 1111I111111111111111111111111111111 Page' of 15 VMP MORTGAGE FORMS - (800)521-7291 - - - LOlL LSO£ WJ0:l 9 t 10 Z; aBed <i) (9000) IAMIg·_ T:s,er!!U' 'VdSH"M l::>pUn "Im0l ::>~Miµow P::>1~P1 Án~l::>p::>J" ~ S~ ÁJH~nb 10U S::>Op Im0ì ::>l1 J~ U::>A::> "Im0l ::>iMiµow P::>1el::>1 ÁH~l::>P::>J" e 01 p.æ~::>l U~ p::>sodw~ ::>.æ 1el1 suon:Jp1S::>1 pIm S1u::>w::>1~nb::>1 He 01 Sl::>J::>l "V dSH"M" '1u::>wru1suI Á1pn:J::>S S~l1 u~ p::>sn sV °l;)n~W 1:J;)Çqns ::>ures ::>l1 SW::>AOB' 1~l1 uon~ln¡¡'::>110 Uon~ls~B'::>llOss::>:J:ms 10 l1momppe ÁIm 10 '::>wn 01 ::>wn W01J p::>pu::>ure ::>q 1lB'!lli Á::>l1 se '(OOç£ µt?d '"M'd';) VZ) X UOneln¡¡'::>"M 'uonelnB'::>l ¡¡'UnU::>W::>ldw~ sH pIm ('b::>s 1::> I09Z uOp:J::>S O;)'Si} (1) 1:JV s::>lnP::>:Jold 1U::>W::>yn::>S ::>1e1sH le::>"M ::>l1 SIm::>W IIYdSßII (0) '1u::>wru1suI Á1pm::>s S~l1 JO £ uon:J::>s l::>pun s1unoure ÁIm (n) snld '::>1ON ::>q11::>pun 1S::>1::>1U~ pIm ledpupd C!) 10J ::>np 1unoure P::>lnp::>q:JS Ápeln~::>l ::>q1 sue::>w lI}uawÂOd JIpo!.Iadll (N) °ueoì ;)q1 'uo Hn~pp 10 'JO 1u;)wÁeduou ::>q1 1su~~B'~ l::>pu::>ì ¡¡'Un:J::>101d ;):JIDunSU! 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" ·1~·,~O ,:J 6 Lt'.~~"" 015 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFÉR OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] SEE ATTACHED LEGAL DESCRIPTION TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, INC" P,O, BOX 5137, DES MOINES, IA 503065137 Parcel ID Number: 195 LAKEVIEW DRIVE ALPINE ("Property Address"): which currently has the address of [Street] [City] , Wyoming 83128 [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the '!Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. , UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges, Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this ,nitials:A .. -6(WY) 100051 @ Page 3 of 1 5 Form 3051 1/01 ~ - - - Lon L90£ WJ0:l 9 ~ 10 17 .Bed <i) (9000) (AMI9-_ tf:S1e!¡'UI s~unouæ ;Hn ':}lqEÁEd :}l:}qM plrn U:}qM 'Án:J:}l!p ÁEd neqs l:}MOllOg 'l:}A!EM q:Jns JO ~U:)A:} :}q~ UI '1ìUPPM U! :}q ÁIUO ÁEUl l:}A!EM q:Jns Áuy ':}Ulp Álrn ~E SUl:}~I M01:JS3 lIE 10 Álrn 10J spunt! l:}PU:}ì O~ ÁEd O~ uopE1ìnqo S,l:}MOllOg :}A!EM ÁEUl l:}pU;}"] 'SUI:}U M01:JS3 !IE 10 ÁtIE 10J spunt! :}q~ ÁEd O~ uopE1ìnqo S,l:}MOllOg S:}A!EM l:}PU:}ì sS:}lun SUI:}U M01:JS3 10J spunt! :}q~ l:}PU;q ÁEd HEqS l:}MOllOg 'UOP:J:}S S!q~ l;:¡pun p!Ed ;:¡q o~ s~unouæ JO s;:¡:JPOU lIE l:}pu;:¡ì o~ qS!UltlJ ÁndUlOld HEqS l;:¡MOllOg 'Ul;:¡U M01:JS3 lrn ;:¡q HEqS S~U;:¡UlSS;:¡SSE ptIE s;:¡;:¡1 's;:¡np q:ms ptIE 'l;:¡MOllOg Áq P;:¡MOl:JS;:¡ ;:¡q 'ÁtIE 1! 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Áq p;JlnSU! ;:¡.rn S1!sod;Jp ;:¡SOqM UOpnmSU! lrn uodn UMElp S! Y[:J;Jq:J q:Jns ÁtIE p;JP!AOld '):J;Jq:J S,l;:¡!qSt!:J 10 ):J;:¡q:J S,1;:¡lnSe;:¡11 '):J:}q:J )tIEq '):J;:¡q:J p;:¡mµ;:¡:J (:J) :l;:¡PlO Á;:¡uom (q) :qSt!:J (e) :l;:¡PU;}"] Áq p;:¡p;:¡;:¡s se 'SUIlOJ 1ìU!MOHOJ ;}q~ JO ;:¡lOUl 10 ;:¡uo U! ';:¡peUl ;Jq ~U;JUlru~suI Á~pnJ;:¡S S!q~ plrn ;:¡10N ;:¡q~ l;:¡pun ;)np S~U;}UlÁt!d ~u;:¡nb:}sqns HE 10 Álrn ~Eq~ ;:¡l!nb;:¡l Át!Ull;:¡PU;Jì 'P!t!dun l;JPU;)ì o~ p;JUlfi1:}l S! ~u:}Ulru~suI Á~pn:J;}S " 9ro O";w','qì' J 9'0 -' -t_J' '.1> ~, ~.,....<r.ry')" ~ - - - ..t,")~":1;'\ '14-'.(') ()'\:1 d ,-,t-.JIÑ 017 due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender 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 "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Barue Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. ' If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4, Charges; Liens, Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are,concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the .. ·6(WY) 10005) @ Initials: ùt Page 5 of 15 Form 3051 1/01 - - - Lon LSO£ WJ0:l 9 L 10 9 aBed @ 19000) (AM)9-. -W:S1e!¡IUI IH!M ';:mp U;}q~ ¡OU lO l;}q~;}qM '~U;}UInl~SUI Á~pn:J;}S S!q! Áq P;}ln:J;}S sums ;}q~ o! p;}!{dda ;}q naqs Sp;};}:Jold ;}:JIDunSU! ;}q~ 'P;}U;}SS;}{ ;}q p{nOM Á~pn:J;}S S,l;}PU;}'110 ;}¡q!SR~J Ána:J!UIOUO:J;} ¡ou S! l!ad~110 uopalO~S;}l ;}q! JI "l~MOllOH JO UOpal1Hqo ~{OS ~q~ ;}q {{l/qs pIm Sp~;}:Jold ~:JImlnSU! ;}q~ JO ~no p!ad ~q ¡oU {{l/qs l~MOllOg Áq p~U!a~~l 's;}!µad Pl!q! J~q¡o JO 'sJ~~snfpa :JHqnd JOJ S~~d "Sp;}~:JOJd q:Jns uo Sl1U!UJa~ JO !S;}J~!U! ÁIm l;}MOllOg Áad o~ p~l!nb;}l ~q ~ou {{l/qs J~pU~ 'sp;}~:JOld ;}:JImlnSU! q:Jns uo p!Rd ;}q o~ ~S~J~!U! s~J!nb;}J Ma'l ;){qa:JHddy JO l1UppM U! ;)paUI S! !U;)UI;);)ll1a Im SS;){Ufl "P;)~;){dUIO:J S! ){JOM ;)q! 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SSO{ JO JOOJd ;)){l1UI ÁaUI l;)PU;)'l "l;)PU;}'l pIm l;)pm:J ;):JImlnSU! ;)q~ O! ;}:J!¡Ou ~dUIOld ;)A!l1 IIaqs l~MOJJOg 'SSO{ JO ~U~A~ ;)q! uI ";}~Áad SSO{ {l/uon¡ppa Im sa lO/PIm ;};}l1al1µOUI sa l~pU~'l ~urnu IIaqs pIm ;)sna{:J ;)l1al1µOUI pJapIm~s a ;)pnpu! {{l/qs Á:JHod q:Jns 'Áµ~doJd ;}l{1 'Jo UO!Pnl~S;}P JO 'o~ ;)~aurnp JOJ 'J;}PU;)'l Áq p;)l!nb;}J ;)S!M.l;}q!O !OU ';}~~J::IAO:J ;):JImlnSU! JO uuoJ ÁIm SU!~~qo J;)MOllOg 11 "S~:Jpou {l/M;}U;}J pIm sUIn!Ul::lld p!ad JO S~dp:J;)l II~ l::lpU~ o~ ;}A!l1 ÁndUIOld {{l/qs l;}MOllOH 's;)J!nb;}l l::lpU~ JI "s;)~a:J!}!µ::I:J {l/M::IU~J pIm S;}PHod ;)q~ P{oq O! ~ql1p ::Iq! ::IAaq {{l/qs l~PU;}'l ";);)Áad SSO{ {auon¡ppR Im sa lO/PIm ;)::I~al1µOUI sa J;)PU~'l ;)urnu IIaqs pIm ';)SnR{:J ;)l1al1µOUI plapIm!S a ;)pnpu! {{l/qs 'S::IPHod q:Jns ;)AOlddas!p O! !ql1p S ,l;)PU~ O! p;)fqns ;)q IIaqs S;}PHod q:Jns JO S{aM~U~l pIm l::lpU::I'l Áq p;}l!nb;)l S;}!:JHod ::I:JImlnSU! 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Ja{n:mmd ÁIm ::Isaq:Jlnd O! uopa~Hqo ou J::Ipun S! l;)PU::I'l ";)su;)dx::I S,J::IMOllOg pIm uopdo S,J;)PU~ !a ';)~aJ;)Ao:J ::I:JImJnsu! u!a!qo ÁtmI J;)PU;)'l '::IAoqa P;)qp:Js::Ip S::Il1aJ::IAo:J ::Iq! }O ÁIm u!a!U!~UI O! s{!aJ J::IMOllOg 11 "l;}M~llOg Áq uop:J;}fqo Im UIOlJ iìup¡nS;}l uopau!UIl::lpp ;)UOZ pooij ÁIm JO M;}!A::Il ;}q! q!!M uOP:J;)uuo:J U! Á:JU;)~y ~U::IUI::Il1aImW Á:JU;}l1J;}UI3: {~J;}P::ld ;}q! Áq P;)SOdUI! S::I;)} ÁIm }O !u;}UIÁad ;)q! JO} ::I{q!suods;)J ;)q os{a naqs J;}MOllOg "uopa:Jy!µ;}:J JO uop~u!UIl::l!::Ip q:Jns !:J;}}}a !q~!Ul Á{qauos~::Il q:J!qM In:J:JO S::I~Imq:J m{!Ul!s JO s~u!ddaUI;}J ::IUIp q:Ja::l s;)l1mq:J !u;}nb::lsqns pIm S::I:J!AJ;)S uOp~:Jy!µ;}:J pIm uopau!UIl::l!::Ip ::IUOZ pooij JOJ ::Il1Jaq:J ::IUIP-::IUO ~ (q) JO :S;):J!AJ;}S l1U!){:J~J! pIm uopa:Jmµ;):J 'uopau!UIl;)!;)p ;moz pOOij lOJ ;)l1mq:J ;)UIP-;)UO a (a) :l;)q}!;} 'Im0'l S!q! q!!M uOP:J;)uuO:J U! 'Áad O! l;)MOllOg ;}J!nb;)l ÁaUI J;)PU;}'l "Á{qauOSa;)lUn P;)SpJ;)X;) ;)q !OU {{l/qs !ql1p q:J!qM ';):J!oq:J S ,l;)MOllOg ;)AOlddas!p O! !q~p S,l;}PU~ O! !:J;)fqns J;)MOllOg Áq U;)soq:J ;)q naqs ;):JImlnSU! ;)q! l1U!p!AOJd J;)pm:J ;):JImlnSU! ;)llL "Im0'l ;)q! }O U!J;)! ;)q! ~upnp ;)l1Imq:J Im:J S;):JU;)~U;}S iìu!p;}:J;)Jd ;)q! O! !Imnslnd s;)l!nb;)l J;)PU;)'l !aq.M. 's;)l!nb;)J J;)PU;}'l !aq! spop;)d ;)q! JO} pIm (S{;)A;){ ;){qp:Jnp;}p ~u!pnpu!) s!unourn ;)q! U! p;}u!a!U!aUI ;)q IIaqs ;):JImJnsu! S!qj, ';):JIDunSU! s;)J!nb;)J J;}PU;)'l q:J!qM. JO} 'spooij pIm s;)){l1nbq'.It!;) cO! P;)}!UI!I ¡oU !nq '~u!pnpu! spmzaq J;)l{1o ÁIm pIm ,,';)l1aJ;)Ao:J P;}PU;)!X;)" U!J;}! ;)q~ U!q}!M. p::lpnpu! Spl~zaq ';)J!J Áq SSO{ !su!a~a P;}lnSU! Áµ;)doJd ;}q! UO P;}!:J;)l;} l;}Ua;}l;}q JO l1UPS!X;) MOU S!U~UI;}AOldUI! ;}q! d;};}){ {{l/qs l;)MOllOg 'aJlitunSUI Ápad0.ld '~ 'Imo'l S!q! q}!M uOP:J;)UUO:J U! J;)PU;)'l Áq p;}sn ;):J!AJ;)S l1U!µOd;)l JO/PIm uOp~:Jy!J;)A Jœ! ;}!a!s;) {a;)J R JO} ;)l1JRq:J ;)UIP-;)UO R ÁRd O! J;)MOllOg ;)J!nb;)J ÁRUI J::IpU::I'l 'P uOP:J;)S S!l{1 U! ;)AOqR q~JOJ ~;)S SUO!PR ;}q~}O ;)lOUI JO ;)UO ;)){l1~ JO U;)!{ ;)q! ÁjSpRS nRqs l;)MOllOg 'U;)A!l1 S! ;):JPOU ~Rq! q:J!qM UO ;)~RP ;}q! JO sÁap 01 U!q~!.M. "U::IH 8fa O(~f:vtJ~{) - - - Ub7L1a20 019 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, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance 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 Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights 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 this Security Instrument, whether or not then due. 6, Occupancy, Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7, Preservation, Maintenance and Protection of the Property; Inspections, Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing 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 Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property, Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. S, Borrower's Loan Application, Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate infonnation or statements to Lender (or failed to provide Lender with material infonnation) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9, Protection of Lender's Interest in the Property and Rights Under this Security Instrument, If (a) Borrower fails to perfonn the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable . -6(WY) (0005) @ InitiaIS:~ Page 7 of 1 5 Form 3051 1/01 - - - WIL L 90£ WAO:! 9 ~ 10 8 aBed @ (90001 (AM)9-" ~:Slel¡!UI 'punJ'u ÂUB 01 .I3MO.I.IOg 3unU3 10U HIM Â3q1 pUB '3aUB.lnSUI 3~B~POW .I0J 3MO HIM .I3MO.l.lOg 1unOWB 3q1 3SB3.1aU! 10U IHM S1U3Wæ.l~B qans 'UBO'] 3q1 JO SW.l31 .I3q10 ÂUB .10 '3auB,msuI 3~B~POW .I0J ÂBd 01 p33.1~B SBq .I3MO.l.lOg 1Bq1 s1unowB 3q1 P3JJB 10U IHM S1U3Wæ.l~B qans ÂUV (B) :l~qllntl .. '~:){I1UnSU!~l ~Apd~:J1I p~uu~~ U~1JO S! !u~w~~muæ ~lf~ 'l~mSU! ~lf~ O! P!~d swn!W~ld ~lf! .10 ~.æqs ~ 10.1 ~~tœq:JX~ U! ){SP S ,1~lnSU! ~q~ .10 ~leqs e s~){B! l~pU;Y-¡ .10 ~!e!l!JJ~ tœ !elf~ S~P!AOld. ~U~W~~l~e q:Jns JI 'S3sS0I ~U!:Jnp~l 10 '){SP s,l~mSU! ~~e~µow ~q~ ~U!ÁJ!POW 10 ~upelfs 10.1 ~~um[:Jx~ U! 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S;J;JJ ,SÁ3UJon~ o ~~ 0 n~ r~tr ~~J~ {) - - - U~~~;4:.~20 021 (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law, These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination, 11. Assignment of Miscellaneous Proceeds; Forfeiture, All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible aI1d Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing" the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value, Any balance shall be 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 less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. 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 impairment of Lender's 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 Lender's 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 attributable to the impairment of Lender'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. .. -6(WY) (0005) (!) ,nitia,s:L Page 9 of 1 5 Form 3051 1/01 - - - ~O/~ ~90£ WJO:f 9L o OL aBed @ (90001 (AM)9-_ -W:S1e!I¡UI '¡U;:)WnJ¡SUI Á!pn:J;:)S S!q! l;:)pUn ¡u;:)w;:)l!nb~l ~U!pUOdS;:)llO:J ~q¡ ÁJSPUS H!A\ !u;:)w~l!nb~l A\U'I ;:)¡qu:J!{ddy ;:)q¡ 'A\U'I ;:)(qu:J!{ddy l;:)pUn p;:)l!nb;:)l OS(U S! !U;:)WnJ¡SUI Á¡Pn:J;:)S S!q¡ Áq p;:)l!nb;:)l ;:):JPOU ÁUU JI 'l;:)PU;:)'I Áq P;:)AP:J;:)l ÁnUn}:JU (pun l;:)PU:Y} O¡ U;:)A!~ u;:)~q ;:)AUq O! P;:)W;:);:)P ;:)q !OU nuqs !U;:)WnJ!SUI ÁHln:J;:)S S!q¡ q!!A\ uOP:J;:)UUO:> U! ;:):J!!OU Áuy 'l;:)A\OllOg O¡ ;:):JPOU Áq SS;:)lPPU l;:)q¡OUU p:J¡UU~!S;:)P suq l;:)PU:J'I sS:J(un U!:Jl;:)q P:J¡U¡S Ss:uppu S,l~pU;:)'I O! 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Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, 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 Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17, Borrower's Copy, Borrower shall be given one copy of the Note and of this Security Instrument. 18, Transfer of the Property or a Beneficial Interest in Borrower, As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any 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 Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this 9ption, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pennitted by this Security Instrument without further notice or demand on Borrower. 19, Borrower's Right to Reinstate After Acceleration, If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the tennination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following fonns, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20, Sale of Note; Change of Loan Servicer; Notice of Grievance, The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periódic Payments due under the Note and this Security Instrument and perfonns other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other infonnation RESP A Initials: çJ f .. -6(WY) (0005) (!) Page 11 of 15 Form 3051 1/01 - - - LOlL L90£ WJ0::l 9 ~ o Z l a6ed @ (9000) (AMI9-. f f) :slelllUI 'dmœJD lR1UJtlIU011AU3 tre 10J lJpUJ'l uo UOPRB'!IqO Átre J1RJ1:J {l1nls U!J1Jq B'U!tp0N 'MR'l lR1UJtlIU01!AU3 tp!M J:Jtrepl0:J:JR U! SUO!PR lR!P~tlIJl ÃæSSJ:JJU l[I1 J)[I11 ÁndtlIOld l[I1qs 1JMOll0g 'ÃæSS~:JJU S! 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Borrower and Lender further covenant and agree as follows: 22, Acceleration; Remedies, Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise), The notice shall specify: (a) the default; (b) the actión required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property, The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale, If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law, Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence, If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law, Lender shall give notice of the sale to Borrower in the manner provided in Section 15, Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law, Lender or its designee may purchase the Property at any sale, The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it, 23, Release, Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24, Waivers, Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. .. ·6(WYllo005) @ Initials: \JI Page 1 3 of 15 Form 3051 1/01 - LOlL L90E WJO~ laMOllOH- (¡ß~S ) laMOllOH- (¡ß~S) laMOlJOH- (¡ß~S ) laMOlJOH- (Iß~S) laMOllOH- (Iß~S) 9 L 10 11 L eBed - - @ (9000) (AM)9-0 laMOllOH- ('[1~~S) laMOllOH- (Iß~S) laMOllOH- (¡ß~S ) :S~SS~Un1\\ on q¡!M p~plO:)~l pm l~MOllOg Áq p~¡m~x:) l:)P!"M Ám U! pm ¡u:)wru¡SUI Á¡pm:)s S!Ip U! P:)U!ß¡uo:) s¡mm~^o:> pm Stu1~¡ :)q¡ O¡ S:)~l~ß pm s¡d:):):)ß l~MOllOg '1\\0'13g DNINÐIS Ág 920 n 7: {~\ì t..J f~ {) - - - 'Du1uu1Daq JO ~U10d aq~ o~ ~aaJ OS1 '~saM ,01 oLL q~nos a:)Uaq~ ! ~aaJ OS '~s-e:!I ,0 0 0 q~.1:0N a:Juaq~ ! :J.1:-e aq~ uo ~aaJ L' v6JO a:Ju-e~s1P -e .1:oJ atDu-e t-e.1:~ua:J oLL -e q~1M. sn1p-e.1: 10L -e q~1M. :J.1:-e UE 6U1M.OttoJ a:Juaq~ !~aaJ 06 '~s-e:!I ,01 oLL q~.1:0N a:Juaq~ !~aaJ 011 '~s-e~ ,0 00 q~nos a:Juaq~ !6uTuuT6aq JO ~UTod aq~ '6uTmoÁM "W'd q~9 aq~ JO ~saM B11 a6u-e~ 'q~.1:0N (L£) uaAas-Á~.1:1qili d1qsUM.Oili '(6Z) aUTu-Á+uaM.~ uOT+:Jas '(v/IMSv/I:!IS) .1:a~.1:-enð +saM.q~nos aq+ JO .1:a+.1:-enð +s-eaq+nos aq+ JO .1:aU.1:0~ +saM.q+.1:0N aq~ mO.1:J +aaJ so£ '~s-e:!I 10 00 q~nos pu-e +aaJ £Lv '~saM 10 006 q~.1:0N 6uT:Juawmo~ 820 NOIldI~Js~a 1VÐ81 V .LN3WHJV.LLV O~f"Jj... C)K) o'{":I- ,,,", IW' ~..o¡-4 M ;;, . - - - OS';1"1-:j20 027 STATE OF WYOMING, Â&~ Cpunty ss: TEIDN The foregoing instrument was acknowledged before me this JUNE ~, 2001 by JULIE M TRUCHOT ëf.(L.. My Commission Expires: 9-12-03 d)~l1-c Notary Public . Initials: _ -6G(WY) I0005} @ Page 15 of 1 5 Form 3051 1/01