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HomeMy WebLinkAbout874118 r) E "[ n-I.;::./VfD ..INCOLN. COUNTY CLERJ( o I < If IIlI 2 I:i p'" 1 .. "~" v - ", . 21 " ;. ,-J J E ANN C' l,': ,\ ,~ I, KEMMEJ?!:pJ:I';~'O) rJ E R 1. II I M/NG - - - Return To: WELLS FARGO HOME MORTGAGE, INC. FINAL DOCUMENTS . 3601 MINNESOTA DRIVE BLOOMINGTON, MN 55435-5284 874//'8 Prepared By: KARl WHITE WELLS FARGO HOME MORTGAGE, INC. 100 S FIFTH ST #2000 MINNEAPOLIS, MN 55402 BOOK467.-PRPAGE 2~ [Space Above This line For Recording Data] o'il "E'J"EAe;E O~ f .--. " ~ /:' ~ z> /)./:.'(~?' Thia :MM1 gage Sf( nnt:~L;7_.1f ,gUUnl II "7 ,~ PAlE '-;,. / 5973509TEM ....... 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 20, 2001 together with all Riders to this document. (B) "Borrower" is CARLIN S. TISSAW, A MARRIED WOMAN 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 Page 1 of 1e Initials: K FORM 3051 1/01 SWYOl Rev 11/06/00 .f~'~ ....... i~::;:,~..~~;;;$~ ~~~lUl[3 r;..<.,'- O~:~?Lll.1.8 249 Lender's address is P. O. BOX 5137, DES MOINES, IA 50306-5137 Lender is the mortgageeiunder this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated JUNE 20, 2001 The Note states that Borrower owes Lender EIGHTY-FIVE THOUSAND AND NO/100 , , Dollars (U.S. $ ....~~,~Q.Q~MP...............) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JUL Y1, 2031 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument. plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]; D Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider o Balloon Rider 0 Planned Unit Development Rider 0 1~4 Family Rider o VA Rider D.. Biweekly Payment Rider D Other(s) [specify] (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization, (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial in:;;tltution to debit or credit an account. Such term includes, but Is not limited to, point.of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "MIscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (Iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (Ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or sUccessor legislation or regulation that SWY02 Rev 12/18/00 Page 2 of 18 'nlt'al':~ FORM 3061 1/01 .. .. ~-~.' '-'~'~"~..-"~'.'.'~.. ~ ,,- .. . .~- ""~'.- - - , - .. - - - - (j f~7 ti<1.1.8 25U governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (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. TRANSFER 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 convenants 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 puwer of sale, the following described property located in the County of LINCOLN [Type of Recording Jurisdiction) [Name of Recording Jurisdiction) LEGAL DESCRIPTION IS ATTACHED HERETO AS SCHEDULE "A" AND MADE A PART HEREOF. Parcel ID Number: 141 FOOTHILL DRIVE LA BAR GE ("Properly Address"): which currently has the address of [Street) [City], Wyoming 83123 [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 covenan!s for national use and non- uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. SWY03 Rev 11/06/00 Page 3 of 18 InitiaIS:~ FORM 3051 1101 lil..... ".- ~ Lon L90C WtlO:l ~:Sle!l!UI BI )0 ~ al5lld 00/90/11 ^a~ MAMS 'aloN aliI U! paqjJ:lsap se ualll pue sa6JSll:l' luawfisdaJd fius OIISJ!j pa!ldds aq IIs11s sluawfiedaJd fiJelUnlO^ 'anp se6Jell:::l aIel fiue 01 pa!ldde aq liew ssa:::lxa Lpns 'sluawlied :::l!pojJad ,,!Jow .10 euo jO luawlied IInj aliI 01 pa!ldde S! luawlied aliI Jaye SIS!Xa ssa:::lxa Aue lellllualxa aliI 01 'IInj U! 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'JaAaMOH 'fi:::luaJJn:::J 's'n U! apew aq Heljs luawnJ1SUI filpnJas Slljl pUB aloN alll Japun anp sluawfied 'E: UO!paS 01 luensJnd swall MOJJS3 JOj spunj lied oSle lIellS JaMoJJ08 'aloN aliI Japun anp Sa6JeLjJ alel pUe saElJellJ luawfiedaJd Aue pue aloN alll fiq paJUap!Aa lqap alll 'UO lSaJalu! pue 'jO ledpupd alll anp uallM fied IIells JaMoJJ08 'Sa6JRQ:> alE' pUE 'Sa6JEq:> luawAedaJd 'swall MOJ:lS3 'lsaJalul'ledpu!Jd JO luewAEd 'L- :sMOIIOj se aaJ6e pue lUBUaAOJ Japual pue JaMoJJ08 'SlN\fN3^O:J V\J~O:lINn TS2 O'l'"'1r",J At r- (":) ~.. !i.- ~.1 t..... r:'~ 0 - - - - - - OSt4hl1.1..8 252 Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items," At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower. and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts' 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 g, 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 g and pay such amount and Borrower shall then be obligated under Section g 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 Bank. 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 SWY05 Rav 1110SI00 Page 5 of 1S 'nltials:~ FORM 3051 1101 ..... ~ " ~OH ~90l: rllIO:! :::J?P;7:Sle!I!UI 6~ )09 al5ed 00/S2:/0 ~ Ml=! 90AMS UO!leU!WJelep LpnS l::Jejje lljl5!W AlqeuoSeeJ lj:J!ljM In:J:Jo sel5uelj::J JeI!W!S JO sfiu!ddeweJ eW!l lj:'lee sefiJelj::J luenbesqns pue SEl::J!AJElS UO!le::J!j!lJe::J plle UO!leU!WJelep euoz pOOIJ JOj efiJelj::J ElW!lpElUO e (q) JO :SEl::J!I\JElS fiuppeJl pue UO!le::J!J!lJe::J 'UO!leUIWJEllElP ElUOZ pOOIJ JOj efiJelj::J eW!l-ElUO e (e) :JElljl!El 'ueOl Slljl ljllM UO!l::JElUUO::J U! 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ElJElLll JI 'VdS3Cl L1l!M a::JuepJO:J:Je U! spunj ssa:JX8 aLll JOj JaMOJJ08 OllUnOJ:Je , lIeljS JapUel 'VdS3Cl JElpun pau!jElp se 'MOJ::Jsa U! Plalj spun:! jO SnldJns e S! eJelj1 JI 'VdS3Cl Aq paJ!nbaJ se spun::! aLll jO 6u!lUnO:'l:Je lenuue ue 'a6J8L1:J lnoljl!M 'JaMOJJ08 Ol eA!D 118L1S Jepual 'spun::! Elln uo Pled eq IIBLls lSeJa1U! 1BLjl 'JeAaMOLl 'oUIlPM U! aaJoe ue::J Japuel pUB JeMoJJ08 'spun:! eljl uo SDU!UJee JO lsaJalU! Aue JeMoJJ08 Aed 01 paJ!nbeJ E ~7) R'{'T :)'1,1 f~ 0 ~/ ~I ..._Jj ..- ". . - - - - - - . \,,'.t"j "!it" .t20 ,}C} 11 t.~ .A..d 254 or certification, Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. ,If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense, Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, bLit might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices_ If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender, Lender may make proof of loss if not made promptly by Borrower, Unless Lender and Borrower otherwise agree in writing, any insurance' proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction. provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties: retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then dUe, with 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 3D-day period will begin when the notice is given. In SWY07 Rev 10/25/00 Page 7 of 19 Initials:.t.4a:' FORM 3051 1101 ..... ~ ~ lOH 190C WHO::f ~:Sle!I!UI a~ )0 a 66ed OO/<;UO ~ ^"l:l aOAMS JO '(SUOneln5ElJ JO 5MBI e:lJOjue O~ JO ~ueWnJ~sul A~!Jn:les S!lf~ JeAO A~!Jo!Jd UIB~~B Aew If:l!lfM ue!1 e )0 ~uewe:lJo)ue JO) 'eJn~!e)Joj JO uoneuwepuo:l JO) 'e~eqoJd 'A:l~dnJ:Ilueq u! l5u!pee:loJd e se If:lns) ~ueWnJ~sul A~!Jn:les S!lf~ Jepun s~l/l5p Jo/pue filJedoJd el/~ U! ~seJe~uI s)apual paj)e AI~Ue:l!Jlul5!S ~lf6!w ~elf~ fjulpae:loJd le6al e S! aJ84~ (q) '~uaWnJ~SUI A~!Jn:las S!lf~ U! pau!e~uo:l s~uawaaJl5e pue s~UeUaAO:l al/~ wJojJad o~ Sl!ej J8MOJJOe (B) jl 'Ju9WnJJSUI AJIJn:>9S S!lIJ JapUn SJ1I6!l::I pUB ^J.ladoJd alll U! JS9J9JUI S,JapUal JO uOI):>aJoJd '6 'a:luap!saJ ledpupd s)eMOJJOe se AlJadoJd a4~ jO A:luedn:l:lo S,JaMoJJ08 I5U!lW;l:lUO:l suo!~e~uasaJdaJ 'o~ pe~!w!l ~ou aJe ~nq 'apnpu! suo!~e~uasaJdaJ le!Ja~eV'J 'ueol alf~ lfl!M uo!pauuO:l ul (uo!~ewJoju! ,e!Ja~ew l/~!M Japual ap!AoJd o~ pal!ej ..10) JapUEll o~ s~uawa~e~s JO Uo!~eWJoJU! a~eJn:l:leu! JO 'fjU!peaIS!W 'aSlej Allepa~ew aAe6 ~uaSUO:l JO a6palMOU:Il s)aMO..lJ08 lf~IM JD JaMoJJ08 jO uo!paJ!p a4~ ~e 6ulpe sa!l!lua JO suosJad Aue JO JaMoJJo8 'ssa:loJd uO!le:l!ldde ueol a4~ 6upnp ')! ~Ine)ap U! eq lIe4s JaMO..lJOS "UOllB::l!ldd" UBOl s.....aMOJJog "8 'asne:J alqeuoseaJ 4:lns 5U!AJpads uOlpadsu! Jopa~u! ue 4:lns o~ Jopd JO )0 aii,,~ a4~ 18 a:l!~OU JaMOJJOS aA!fj 1184s Japual 'AlJadoJd al/~ uo s~uawaAoJdw! a4~.1o Jopa~u! al/~ padsu! fiew ..Iapual 'esne:l alqeuoseaJ sell ~! jl 'AlJadoJd EllH)O suo!padsu! pue uodn sap~ua alqeuoseaJ a:llew Aew ~ua6e s~! JO Japual 'uo!~eJo~saJ JO J!edElJ l/:lns jO UO!~aldwO:l al/~ JOj uo!~e5!1qo S,JaMoJJ08 jO paAa!laJ ~ou S! JaMOJJOS 'AlJadoJd all~ aJo~saJ JO JledaJ o~ ~uap!JJns ~ou aJe spaa:loJd uo!~euwapuo:l JO a:lueJnsu! alH)1 'pa~aldwo:l S! :IlJOM all~ se s~uewAed ssaJ50Jd )0 sapas e U! JO ~uawAed al6u!s e U! uo!~eJo~saJ pue sJ!edaJ all~ ..IOj spaa:loJd eSJnqs!p fiew JapuEll 'sasodJnd l/:lns JO) spaa:loJd pasealeJ sell JapUal j! AIUO ApadoJd a4~ 5upo~saJ JO 6up!edaJ ..IOj alq!suodsaJ aq IIe4s JaMOJJOS 'AlJadoJd a4~ 'jO flu!>te~ all~ JO 'o~ a6ewep l/~!M uo!pauuo:l U! Pled aJe spaa:loJd Uo!~euwapUO:l JO a:lueJnsu! jl 'a6ewep JO Uo!~eJopa~ap JalflJnj p!OAe O~ pa5ewep j! filJadOJd aliI J!edaJ AlldwOJd IIe4s JaMOJJOS 'alq!sea) fille:J!WOuo::>a IOU S! Uo!~eJo~saJ JO J!edaJ ~e4~ !i UO!paS O~ ~uensJnd pau!wJa~ap S! I! ssalun 'UO!l!PUO:l SI! O~ anp anleA U! 6u!seaJ:Jep JO ElU!leJopa~ep WOJ) filJadOJd aliI ~uaAaJd O~ JapJO U! fipadoJd a4~ ule~u!ew lIelfs JeMOJJOS 'AlJadoJd alH U! 6UlPlSeJ S! JaMOJJOS ~OU JO Jalf~EHIM 'fipadoJd a4~ uo a~seM ~IWWO:l JO aleJopa~ap o~ fil-ledoJd ell~ MOlle 'fipedoJd a4~ J!edw! JO a6ewep 'AOJ~Sap IOU lIelfs JaMOJJOS 'suol}:Jadsul :AJ.ladoJd allJ )0 UO!):JaloJd pUB a:JuBualUIBW 'uo!)eAJaSaJd 'J. 'IOJIUO:l s,JaMOJJ08 puoAaq aJe lP!lfM ~S!Xa sa:lue~swn:lJp fju!lenua~xa ssalun JO 'Pla4l/UM A,qeuoSeaJun eq ~OU IIe4s ~uaSlIO:l If:l!lfM '6U!~PM U! saaJ6e as!MJEllf~O Jepuel sSEllun 'A:luedn:l:lo jO e~ep al/~ Jaije JeeA allo ~seal ~e JOj a:luaplseJ ledpupd s)aMOJJ08 Sf:! ApadoJd Ell/~ Adn::>:lo O~ anuI.luO:l lIe4s pue ~ueWnJ~Sul Alpn:las S!lf~)O Uo!~n:lElxa al/~ Jaijr:! sAep 09 U!lI~!M a:luepIsElJ ledpupd s,JaMoJJ08 se fipadoJd Ellj~ asn pue '4slIqe~se 'Adn:l:lo lIeljs JaMOJJOS 'Jbuedn:>::lQ '9 'enp ualf~ ~ou JD Jalf~elfM '~uawnJ~SUI A~pn:las S!4~ JO a~oN all~ Japun Pled un s~unowe Aed o~ JO Al-ladoJd a4~ aJo~saJ JO JledeJ o~ Ja4~!e spee:loJd a:lueJnsu! a4~ asn fiew Japual 'ApadoJd a4~ jO a5eJElAO:l al/~ o~ alqe:l!ldde aJe S~l/6p 4:lns se Jejosu! 'AlJadoJd alf~ 5upaAo:J Sap!lod a:lueJnsu! lie Jepun (JaMOJJ08 fiel Pled swn!waJd pauJeeun )0 punjaJ Aue o~ ~4fjp e4~ ue4~ Jalf~o) S~lf6p S)8MOJJ08 )0 Jall~o fiue (q) pue '~uawnJ~Su, fi~!Jn:las S!4~ JO e~oN a4~ Japun pledun slunowe alf~ paEl::>xa O~ ~ou ~unowe ue U! spaa:JoJd a:lUeJnsu! !iue O~ s~l/fjp s,JeMoJJ08 (e) Japuel o~ su6!sse AqeJelj laMOJJ08 'as!MJe4~O JO U: uOIpas Japun A1JadoJd aliI SaJlnb:le Japual j! JO '~uaAa Jalf~!a t;S2 ~l':Tt..., ,I.!>O :.v ~ p'llf"l((~' - - -' - - - 08741.1.8 25G (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 attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding, Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off, Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable. with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease, If Borrower acquires fee title to the Property. the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required .to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be In effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable. notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non~refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note, SWY09 Rev 11/13/00 Page 9 of 18 InltiaIS:~ FORM 3051 1101 lIlr.... r- ~ Lon LSD!; WtlO,:j ~:SIl!!I!UI 81 JO 01 ailed 00/!;1I01 ^a~ OIAMS '(: UO!I:las U! JOj pap!AoJd JapJO aljl U! pa!ldde aq lIeljS spaa:lOJd snoaueIl8:lsH^J lj:lns 'JaMOJJ08 01 Pled 'Aue j! 'ssa:lxa 8ljl lj~!M 'anp ualj~ ~ou .10 Jaljl.8ljM 'luaWnJlSUI Alpn:las S!ljl Aq p8Jn:laS swns 8ljl o~ pa!ldde aq lIeljs spaa:loJd snoauella:ls!V\1 alj~ 'p8uassal aq PlnoM Alpn:las s,Japua1 .10 alq!seaj Alle:l!WOu0:l8 IOU S! J!edaJ .10 uOlleJOlS€1J aljl jl 'spaa:loJd snoauella:)s!V\l lj::lns uo s6u!uJea .10 IsaJalU! Aue JaMoJJ08 Aed o~ paJ!nbaJ aq IOU Ileljs Japua1 'spaa:lOJd snoauella:lS!V'..j lj:lns uo Pled, aq OIIS"UalU! saJ!nbaJ Mriq alqe:l!lddV' .10 6u!IPM U! apew SI IUaWa8J6e ue sS81un 'palaldwo:J S! )fJOM aljl se sluawAed ssa.l60.ld jO sap as 13 U! .10 IUawasJnqslP al6u!s 13 U! uO!leJOlSaJ pue s.I!eda.l alj~ JOj Aed Aew .Iapua1 'AI~dwOJd ua)fel-'apun aq lIeljs uOlpadsu! lj:lns leLll paP!Ao.ld 'uO!pejSileS s,JapU81 01 palElldwo:l uaaq selj )fJOM aq~ 8JnSUa 01 Al-'adoJd lj:lns padsu! 01 Al!Unl-'oddo ue peljsl3lj Japu81 mun spaa:lo.ld snoauella:lslV\I lj:lns Plolj OllljElp aljl ElAelj lIeljs Jepue1 'popad uo!~eJolseJ pue J!edaJ lj::lns 6u!.lna 'pauassal IOU S! Al!Jn:laS s,Japua1 pue alq!seaj Jille::l!Wouo:Ja S! J!edaJ .10 uO!leJo~sa.l aljl jl 'AIJado.ld alj~ jO J!edaJ .10 uo!~eJOlSaJ 01 pa!ldde aq lIeqs spaa::loJd snoauell8::lslV\l q:lns 'pa6ewep S! Al.l8do.ld aLll jl 'Japua1 o~ Pled aq fleljS pue 01 pau6lsse Aqa.lalj a.le spaa:loJd snoeuella:lslV'J IIV' 'amJ!ajJo.:l :Sp88:30Jd snoauella:3slW jO Juawu6!ssy 'U 'uoIJeulwJaJ .10 uOlJeIl8:lue:l If:lns jO aWlJ alfJ Je pauJeaun aJaM JelfJ swn!waJd a:meJl1sUI a6eBJjow Aue jO punjeJ e aA!a:>>aJ OJ Jo/pue 'Alle:>>!JewoJne paJeulwJaJ a:lUeJnsul a6e6Jjow alfJ aAelf oJ '8:3ueJnSUI a6e6Jjow allJ jO uO!lella:Jue:J u!eJqo pue ISanbaJ 01 'saJnsops!p u!eJja:>> aA!a:J;u OJ Jlf6!J alfJ epnpul Aew SJlf61J asall~ 'Mel JalfJo Aue .10 866~ jO p" uOIl:JaJoJd SJ8UMOawoH alfl Japun a:lueJnsul a6e6JjoW alfl oJ J:ladsaJ lfJIJIA . Aue j! . self JaMOJJog Slll6!J allJ paJJe IOU II!M sJuaw8aJ6e ll:>>ns Au" (q) 'pUnj8J Aue OJ JaMOJJog 8J)!Jua IOU II!M AallJ pue 'a:>>ueJnSUI a6e6JJow JOj aMO II!M JaMOJJog Junowe allJ aseaJ:lullOU II!M sJuaWa8J6e If:Jns 'ue01 elll jO SWJ81 JalflO Aue .10 'a:JueJnSUI 86e6Jjow JOj Aed oJ pe8J6e sell J8MOJJOg Jelll sJunowe allJ J:l8JJe JOu II!M SlUaWaaJ6e If:Jns Au" (e) :Jaljl-'n:l ,,'a::lueJnsu!El.l eA!ldeJ" paw.lal ueijo S! luawa6ueJ.le alj~ 'J<unsu! aLll 01 Pled swn!waJd alj~ JO a.leljS e JOj a6ueljJxEl U! )fS!.l S,J8JnSU! aljl jO aJl3Lls e sa)fe~ Japu<ll jO a~e!l!JJe ue leljl sap!Ao.ld lUaWaaJ6e Lpns jl 'sassol fiupnpaJ .10 ')fSp s,JaJnsu! a6e6l.low aql flU!Aj!POW .10 Elupeljs JOj aflueLpxa U! 'aJUeJnSUI aflefil.loV\l JOj sluawJied s,.IaMoJJ08 jO uO!l.lod e (se PElZpapl'!JeqJ aq llj6!w .10) WOJj aApep leljl Slunowe (AIlJEl.lIPU! .10 AlpaJ!p) ElA!aJaJ Jiew 'l5u!ol5aJoj a41 jO Aue jO ElI.e!l!JJe Jiue .10 'Amua JaLllo Aue 'JaJnsu!aJ Aue 'JaJnsu! Jaljloue 'aloN aljl jO .IElSe4:lJnd Aue 'JapU'll 'slUaWaaJl5e asaljl jO llnsaJ 13 sV' '(swn!waJd aJueJnsul efle6l.loV\l WOJj peuie~qo spunj apnpu! Aew ljJ!ljM) alqel!eAe aAelj Jiew JaJnsu! afiefll.low eLll leljl spunj jO aJJnos Jiue l5u!sn sluawAed a)few 01 JeJnsu! al5e6l-'ow eLll 9J!nbaJ Aew s~uawaa.l6e asa41 'SIUaWEla.ll5e asa41 01 (se!l.led .10) Al.led Jaljlo aljl pue JaJnsu! aflefljJow alj~ 01 AJOpejSues a.le leljl SUO!llpUO::l pue sWJa~ uo 8.113 slUaWaaJl5e asaljl 'sassol aJnpaJ .10 ')fSp J!aljl Jij!POW .10 aJeLls le4~ sa!l.led JaljlO ljl!M SlUaWaaJ6e OIU! JalUa Aew pue 'awIl 'o~ aW!l WO.lj a:lJoj U! ElJueJnsu! ljJns 1113 uo )fs!-, lelOlJ!aLll a~enleAa sJaJnsu! al5el5l.loV\l 'aJueJnsul al5el5l-'oV\l aljl 01 Jil.led e IOU S! .IElMOJJ08 'paaJ6e se ue01 aljl AedaJ IOU saop JaMoJJ08 j! JnJu! Aew ~! sassol u!el.laJ .I0j (aloN aljl SaSe4JJnd 1l'!41 Amua Aue .10) Japua1 sasJnqw!aJ aJueJnsul a6el5l.loV\l !i gZ ~n::l-\t 1... S () - - - - - - OS7l\,11.8 258 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. , 12. Borrower Not Released; Forbearance By lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by SWY11 Rev 11/06/00 Page 11 of 18 l"itiaIS:~ FORM 3051 1101 .... ~ """IIIIl lOH 190C WUO.;l ~:51"II!UI 8 [ )0 /:t al5"d 00/90/~1 Ml:j <:~^MS JiISSaJdxa Mel alqe:J!lddV' ssalun SJaMOJJOe lie O~ a:J!lOU a~nmSUO:J lIe4S JaMOJJOe euo Jiue O~ a:J!~ON 'sueew Ja4~0 Jiq lues j! SSeJppB e:J!lOU S,JaMOJJOe Ol peJaA!lap JillenpB ua4M JO I!ew SSBI:J lSJIj Jiq pal!Bw ua4M JaMOJJOe Ol uaA!fl uaaq aAB4 Ol pawaap aq lIe4s lUaWnJlsul Jilpn:Jas S!4l 4l!M Uo!pauuo:J U! JaMOJJOe Ol a:J!lOU JiuV' 'flu!l!JM uf aq lsnw lUaWnJlSul Jil!Jn:Jas S!4l 4l!M uo!paUUO:J U! Japual JO JaMOJJOe Jiq uaA!fl sa:J!lOU IIV' .sa:>>IION .51. 'aflJB4:JJaAO 4:Jns jO lno flu!spe SAB4 l4fl!w JaMOJJOe uo!pe jO l4flp JiUB jO JaA!BM B alnlll5UO:J II!M JaMOJJOe Ol luawJied paJ!p Jiq SPBW punjaJ 4:Jns Jiue jO a::lUelda:J:Je S,JSMOJJOe '(aloN a4l Japun JOj pap!AoJd S! aflJe4:J luawJiedaJd e lOU JO Ja4la4M) aBJe4:J luawJiedaJd Jiue ln04l!M luawJiBdaJd IB!l-led e se paleaJl aq II!M uon:JnpaJ a4l 'Iedpupd sa::mpaJ punjaJ e jl 'JaMOJJOe Ol luawJied paJ!p e 15u!)few Jiq JO alaN a4l Japun paMO ledpupd a4l 15upnpaJ Jiq punjaJ S!4l a)fBliI Ol aso04:J Jiew JapUal 'JaMOJJOe ol papunjaJ aq II!M Sl!W!I pamwJad papaa:Jxa lP!4M JaMOJJOe WOJj papallo:J JipeaJle swns Jiue (q) pUB :l!LU!1 pawwJad aLJ~ ol aBJelj:J aLll a:JnpaJ ol AJessa:Jau lunowe alj~ Jiq pa:JnpaJ eq lIe4S a15Jelj:J ueol Lpns Jiue (e) :Ua4l 'Sl!W!( pan!wJad 84l paa:JXa ueol 84l 4l!M UOIpauuo:J U! pal:J8110J aq Ol JO papallo:J sa15Je4J ueof J84l0 JO lS8JalU! a4l le4l os palaJdJalU! JilleUIj S! MellBljl pue 'salJJB4:J UBOI WnW!XBW slas 4J!4M Mel e ol pafqns 5! ueOl a4l jl 'Mel alqe:J!lddV' Jiq JO l.uaWnJlSul JilpnJas S!4l Jiq pal!Q!40Jd JilssaJdxa aJe le4l saaj afiJe4:J lOU Jiew Jepual 'aaj 4:Jns jO fiU!lJJB4J a4l uo UO!l!q!40Jd e se panJlSuo:J aq lOU lIe45 JaMOJJOe Ol aaj Jljpads e alJJelj:J ol lUaWnJlsul Jil!Jn:Jas S!4l U! JilP04lne ssaJdxa jO a:Juasqe a4l 'saaj JaLllo JiU8 Ol pJefiaJ ul 'saaj UO!lBnleA pue uo!padsu! JilJadoJd 'saaj ,sJiaUJOne 'Ol pal!W!1 lOU lnq 'lJulpnpU! 'lUaWnJlSUI Jilpn:Jas S!4l Japun Sl4flp pue Jil-ladoJd a4l U! lsaJalU! s,Japu81 flUlpaloJd jO asodJnd a4l JO) 'llnejap S,JaMOJJOe 4l!M uOlP8UUOJ U! pawJojJad sa:J!AJ8S JOj saaj JaMOJJoe aflJe4J Jiew JapUal 'sa6Jeq:) ueol .1"1. 'Japual )0 SUlJ!SSB pue SJossa:JJns e4l llJaueq pUe (0;:: UOn:J8s U! pap!AoJd se lde:Jxa) PU!q 1184s lUewnJlSUI Jilpn:Jas S!4l )0 SlUaWaaJlJe pue slUeUeAOJ a41 'lJU!lPM U! asealaJ 4Jns Ol saaJfle JapU81 ssalun lUaWnJlSul JilpnJas S!4l Japun f;l!l!q8!1 pue suollelJ!lqo S,J8MOJJOe WOJ) paSeal8J aq lOU lIe4s JaMOJJOe 'luaWnJlSul Jil!Jn:Jas S!4l Japun sllJauaq pue SllllJp s,JaMoJJ08 jO lie ulBlqo lIe4s 'Japu81 Jiq p8AOJdde S! pUe 'fiUnpM Ul luawnJlSUI Jilpn:J8S S!ljl Japun SUO!lBlJ!lqo S,J8MOJJ08 sawnsse 04M JaMOJJOe jO lSaJ8lUI U! JossaJ:Jns JiUB 'IH UOIpas jO UOIS!AOJd eljl Ol pafqns 'luaSUOJ s,JauflIS~OJ allllnolll!M alaN alll JO lUawnJlSUI JilpnJ8S S!lll)O SWJal alll Ol pJeflaJ lll!M suonepowwo:JJe f;ue 8)few JO JeaqJoj 'Ji)!POW 'PU8lX8 Ol aaJfle ueJ JaMOJJOe Jalllo Jiue pue JapUal le4l saaJBe (:J) pue :luaWnJlSUI f;l!JnJas S!lll Jiq paJn:Jas swns a4l Jied Ol palefl!(qo JilleUosJad lOU S! (q) :luaWnJlSUI JiUJnJas S!4l jO SWJal alH Japun Jil-ladoJd alU U! lSaJalU! s,Jau6!s-0:J aljl JiaAUO:l pue lUeJB 'alJelJl-/ow o~ JiIUO luaWnJlSul JilpnJ8S S!ll~ lJu!u6!s-O:J sl (e) :("JaulJ!s-O:J" e) alaN alll alnJaXa lOU saop lnq luaWnJlSul AlpnJas S!ll~ su6!s-oJ OllM JaMOJJOe Aue 'J8AaMOH 'leJaAQS pUB ~u!of aq lIeljS Al!l!qe!1 pue SUO!le6!(qo S,JaMOJJOe leljl saaJfle pUe slueuaAO:J JaMOJJOe .punog su6!ss'd put! SJossa:>>:>>ns :SJau6!s-o:J ~AI!llqe!lll!Ja^as pue IU!Or 'EI. , 'JipawaJ JO llllJp Jiue )0 aspJaxa alll apnpaJd JO jO JaA!eM e eq lOU 1184s 'anp uall~ lunowe alll uelll ssal slunowe U! JO JaMOJJOe jO lSaJalul U! sJossa:J:Jns JO Sa!l!lUa 'SUOSJad PJ!Lll WOJ) sluawf;ed )0 8:JueldaJJe S,Japual 'UOnel!W!l lnoLll!M '6u!pnpu! JipawaJ JO l4Bp Jiue lJu!spJaxa U! Japual Jiq a:JueJeaqJoj JiuV' 'JaMOJJOe )0 lS8J8lUI U! SJossaJJns Jiue JO JaMOJJOe leu!flpo aLll Jiq apew puewap Jiue jO uoseaJ Jiq luaWnJlsul Jilpn:Jas S!lll fi~2 frrT \, ~:.t~ 1) - - - - - - ot37Lll1.8 260 requires otherwise, The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to lender. Borrower shall promptly notify lender of Borrower's change of address. If lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure, There may be only one designated notice address under this Security Instrument at anyone time, Any notice to lender shall be given by delivering it or by mailing it by first class mail to lender's address stated herein unless lender has designated another address by notice to Borrower, Any notice in connection with this Security Instrument shall not be deemed to have been given to lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable law, the Applicable law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the Jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable law, Applicable law might explicitly or implicitly allow the 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 el>crow 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 option, lender shall give Borrower notice of acceleration, The notice shall provide a period of not less than 30 days from the date the notice is given in actordance 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 permitted by this Security Instrument without further notice or demand on Borrower, SWY13 Rev 11/06/00 Page 13 of 18 I~itlals:~ FORM 3051 1101 ..... ",.- ~ ~OH ~90C ~nIO;;l ~:Sle!I!UI 8\ )0 v~ aBed OO/LZ/Z~ Ml:j vUMS 'ljdeJ6eJed S!ljl jO sasodJnd JOj alqeuoSeaJ aq Ol pawaap aq II!M popad aW!lleljl 'Ua)jel aq ueo uo!pe U!8lJaO aJOjaq asdela lsnw ljO!ljM popad aW!l 8 SaplAoJd M81 alqeJ!lddV jl 'UO!pe SA!lJSJJOO a)jel Ol SO!lOU lj:JnS jO 6U!A!fi Sljl Jsye pOp ad alqeuosesJ 'e OlSJSlj -^ped J84l0 a4l pepJojJe pue 4:1eeJq p86alle 4:1ns jO (!:i~ uOlpaS jO SlUSWsJ!nbaJ aljl 4l!M a:luelldWOJ U! uaAlfl aO!lOu lj:lns ljl!M) AlJed J84l0 84l pa!J!lOU selj Japual .10 JaMOJJ08 ljJns I!lun 'luawnJlsul -^lpnoas S!4l'jO uoseaJ -^q paMo lilnp liue .10 'jO UO!s!AOJd liue paLj08aJq selj IilJed Jeljlo sljl lE?ljl saBalle leLIl .10 luaWnJlSul ,l;lpnoas S!ljl ol lUensJnd suolpe s,lilJed JeljlO eLjl WOJJ saspe le4l (ssep e JO .Iaqwaw a4l .10 lUefl!l!I lenp!A!pU! ue .Ialjl!a se) uo!pe leplpnf Jiue Ol peu!of eq .10 'u!of 'aJuaWWOJ liE?w .Iepual .IOU JaMo.lJ08 Jaljl!aN '.IaseljJ.lnd elaN aljl Aq paPIAo.ld aSIMJaljlo sselun Jaselj::J.lnd aloN 8ljlliq pawnsse lOU aJe pue J8J!A.laS ueol Jossa:J::Jns e Ol pS.I.lSjSUe.ll aq .10 .ISJ!AJeS ueol aLjl Ljl!M ulewa.l II!M .IaMOJJ08 Ol SUOllefl!lqo BU!O!A.laS ueol a6e6lJow s4l 'alaN sljl JO .Iase4:JJnd 8ljl ueljl .IaLjlo .Ia:l!AJss ueol e Aq pao!AJas sl U1Wl 84l JayesJsljl pue PloS sl aloN e4l JI 'l5U!:J!^J8S .10 J8JSUBJl JO a:J!lOU e 4l!M uo!peuuo:J U! S8J!nbaJ VdS3H UO!leWJoJU! .Ialjlo -^ue pue spew sq Plnoljs sluaWAed 4:J14M Ol ssa.lppe aLjl '.Is:JIAJ8S ueol M8U 84l JO SsaJppe pue aweu 8ljl Sl8lS II!M ljJ!ljM aBue4:J 8ljl jO 8:J!lOU uanpM U8A!B aq II!M JaMOJJ08 '.Ia:J!AJas ueol a4l jO 8l5ueljO e S! aJaLjl JI 'aloN 8ljl jO ales e Ol palela.lun Ja:J!^Jas ueol aljl jO sal5ueljo aJOW .10 8UO aq lLll5!W oSle aJaLjl 'Mel alqe:J!lddv pue 'luawn.llsUI -^lpnJas Slljl 'SloN aljl .Iapun suollel5!1qo l5uPI^JaS ueol aBe6lJow .I84l0 sW.loJ.lad pue luawn.llsul lilpnoas Sl4l pue aloN slll .Iapun anp sluawlied :J!POpad spalloO le4l (".Iao!AJas ueol" aLjl se UMOU)j) -^mua alll uI a6ue4:J e U! llnss.I lljfi!w ales V 'JaMOJJ08 ol a:J!lou Jopd lnoljl!M sawll aJOW .10 allo PloS aq ue:J (luawn.llsullilpn:JaS S!ljl ljl!M Jaljl860l) aloN a4lll! lSaJ8lU! lell.led e .10 aloN alj1 '9:lUeA9!JD )0 9:l!lON ~J9:l!AJ9S ueol )0 96ue'lO :9l0N )0 91eS 'O~ 'B~ uo!pas Japun UO!leJ8Ia:J:Je jO aseo aLjl U! Aldde lOU lIeljS alelsu!aJ ol lljfip S!ljl 'JaAaMOH 'paJJn:J:Jo pelj UO!leJala:J:Je ou j! se ElA!pEljjEl Allnj u!ewaJ lIeljSAqEl.lalj pElJn:JEls suonefi!lqo PUE? lUElwn.llsul Alpn::JElS S!4l '.IElMO.lJ08 Aq luaw8lelsu!sJ lIodn 'JaJsUeJ1 spun:! :J!lI0.lpaI3 (p) .10 :Al!lUa .10 Al!lelUaWn.llSU! 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'luawn.llsul Alpn::J8S S!ljl5upJojua U! paJJn:Ju! sssuadxa lie sAed (:J) ~sluawaa.lBe .10 SlueU8^0:J Jalj~o ^ue JO llnejap Aue saJn:J (q) ~paJJn:JJo pe4 UO!le.lalaJ:>e au j! se aloN a4l plle lUaWnJlSUI AlpnJas sl4l J8pUn snp aq PlnoM ualjl 4:JlljM swns lie Jepu8l sAed (e) :.IaMO.lJ08 le4l aJe SUOllIPuO:J asolj1 'luawnJlsul ^lpn:Jas S!ljl 6UpJOjU8 luawfipnf e jO ^JlUa (0) .10 :alelSlI!aJ Oll45!J s,.laMo.lJ08 jO UOlleu!W.lal aljl JOj Ajpads lljfi!w Mel alqeJ!lddv se popad .IsLIlO Lpns (q) :luawnJlsul AlpnJas S!ljl U! pau!elllOJ ales JO JaMod Aue OllUensJnd AlJadoJd aljl JO ales 8.10J8q sAep aA!J (e) :Jo lSa!l.lea a4l Ol-Jopd aW!l -^ue le panU!luo:JSIP lU8WnJlslII Alpn:J8S slljl JO luawa:JJojua aAe4 Ol l4Bp 8ljl 8^eq lIe4s J8MOJJ08 'SUOIl/Puo:J U!8lJ8:J slaaw JaMOJJ08 jl 'UOneJ9Ia:l:)V' J9UV' 9Ielsu!9~ OII'l6!~ s"JaMOJJog '6" 192 Dl"t.3"1l ~:.;>.O, N .... PR./~~I"J1'" - - - - - - O~Ji'i\11.S 262 The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde. and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that- can cause, contribute to, or otherwise trigger an Environment Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property, Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property, The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products), Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Accelerationj 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 action 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 SWY15 Rev 10/25/00 Pag!! 15 of 18 lnitia's~ FORM 3061 1101 ...... "...- ~OH ~90C WIJO:l ,:::m-:S1e!l!UI 81 JO 81 a~ed OO/SUOI ^al;j 81AMS '6U!WOAM JO sMel UO!ldwaxe peelSew04 El4l JO Eln1-l!^ Aq pue JElpUn Sl46p lie SEl^!eM pue SElseElIElJ JElMOJJ08 'SJaA!eM 'v~ 'Mel EllqeJ!lddv JElpun pan!wJad S! aaJ a4l J06u!6J84:l a4l pus paJapuaJ sa:l!^Jas JOJ A1-led PJ!4l e ol Pled S! aaJ a4l J! ^IUO lnq 'luawnJlsul ^lpnJas S!4l 6u!SealaJ JOJ aaJ e JaMoJJo8 eflJ84J Aew JapU91 'SlSOJ uO!lepJOJ9J Aue ^ed lIe4s J9MOJJ08 'lU9WnJlsuI AlpnJ9S S!4l asealaJ lIe4s J9PU91 'lUaWnJlSUI Alpn:l9S S!4l ^q paJnJas swns 118 JO luawAed uodn "asealaH 'E~ "l! 01 pall!lua Alle6al suosJad JO uosJad alll 01 ssa:>xa Aue (:>) pue ~luawrulsul Al!Jn:>as sllIl Aq paJn:>as swns lie 01 (q) :saaJ ,dauJoue alqeuoseaJ '01 pal!w!l 10U lnq '6ulpnl:>U! 'ales alll JO sasuadxa lie OJ (e) :JapJo 6uIMOIIOJ alll U! pa!ldde aq lIells ales alll 10 spaaooJd all.l "aleS ,{ue le ,{JJadOJd alll aSellOJnd ,{ew aau61sap Sl! JO Japual 'Me1 91Qeo!lddy ,{Q paqlJOsaJd Jauuew alll U! PloS aq lIells AJJadoJd alll pue 'ales 10 aO!Jou alll lIs!lqnd lIells JapUal 'Sl- UO!paS U! pap!AoJd Jauuew allJ U! JaMOJJOS oJ ales allJ JO aOlloU aA!6 lIells Japual 'Me1 alQeo!lddy 1I1!M aouepJoooe U! 'lUaJaUlP JI ',{JJadoJd a1l1 JO uo!ssassod U! UOSJad a1l1 01 pue JaMOJJog , oJ aSopaJoJ oJ 1ua1uI JO a:>llou aAI6 lIells Japual 'ales 10 JaMod allJ salJOAU! JapUa1 II 'a:>UapIAa allll 10 Sls00 pue saal ,s,{aUJoue alqeuoseaJ_ 'oJ paJ!w!l JOu lnq '6u!pnpu! '~~ UOIl;Jas slllJ U! papIAOJd sa!pawaJ allJ 6ulnSJnd UI paJJnou! sasuadxa lie lOClIIOO oJ pannua aQ lIells JapUa1 'Mel alqeollddy Aq paUIWJad salpawaJ JallJo ,{ue pue ales )0 JaMod aliI alJoAul Aew pue puewap Jall}.!n) InollJIM luawnJlsul ,{l!Jnoas SllIJ Aq paJnoas swns lie )0 IInl UI E92 - l,:,'y'''''':hP f~O M ~.r' ~.~ '-...'.' - - - - - , ..... i, il,-t L; Ut:~~'l~.~ ..J~...(;:'} 264 STATE OF WYOMING, LINCOLN County 55: The foregoing instrument was acknowledged before me this JUNE 20, 2001 by CARLIN S. TISSAW, A MARRIED WOMAN : =~AAv=~'J UII*.~ My Commission Expires: February 2, 2002 SWY18 Rev 10/25/00 Page 18 of 18 Inilials:~ FORM 3051 1/01 llo... ~ ~OH ~SOC WtlO;:f ~:Sle!l!UI B~ }O Lt aced OOILlIi:t ^a~ LtAMS JeMOJJOB ' (leas) MVSSll 'S NlltlVO ~~/ :r7Y17) :sesSeUl!M 'l! ljl.!M pepJD:l8J pUB JSMOJJ08 Aq paln:JeXe Jep!C:! AUe U! pUB lUaWn.llSUI Alpn:J8S S!ljl U! PSU!BlUO:) SlUBUSAO:J pUB SWJSl Sljl Ol S88.l5B pUB Slds:J:JB JeMO.l.108 'M0138 ElNINElIS A8 S9Z - - ~rt'li7~80 - - - - .. .J~'_~___ ~~_--"" ..~.'N"'''''''''''~"'''''':~N''''-,~."""",.,,''.._~_ .n'"h_ J' ". OS~;14.11\~ 2Gb EXHmIT A Legal Description for Carlin S. Tissaw Lot 24 of the Eubank Foothill Estates Subdivision, Lincoln County, Wyoming as described on the official plat thereof. .....