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Home My WebLink About874310 ~ ~ AEL.EASE_ 01: "q" . .r/r,"";('.' 1./ I;~'" / '~.'.'" '..:/ Thls'M.ort gage 1 '~;GLr .If ~~GlTU'" t't[ 'ftll _ ....., ,< ..j)LoL ... " /1 I ""'l../~ -.- I /- JlfJ.rI 874310 'I RECEIVED L1~,COLN COUNTY CLERK OJ JUl -? [',:>:':1 '? ,., 0 . ,. v 'I v' ,J J7i"\{dP"'" "" ~ \ t...I' ~ 1\' ,'" ',' i i, i,' I' i 1~ {"1 .- ,'.. ""'11 "I ., I( E M fvl ERr;: 1'~\'1 ;il 't'; '0' ,,"I'I';J \ 1.". ~ ~. rv r G After Recording Return To: GMAC Mortgage Corp. 100 Witmer Road Harsham, PA 19044-0963 ATTN: Capital Markets BOOK 46?PRPAGE 928 [Space Above TIrls Line For Recording Data] Loan No. 516173002 MIN 1000375-0516173002-6 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 28, 2001 ,together with all Riders to this document. (B) "Borrower" is Michael L. Archibald and Debra Archibald Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. WYOMING - Singl. Family -- Fannie M.e/F"'{ldie Ma. ~ UNIFORM INSTRUMENT Fonn 30S1 1101" /~ (Page 1 of 18) 116058532 lnitia~'_~' r/' L- GMACM . CMS.0042.WY (0001) 346 ,AI /~ Cx.t,vC - - - - - - - 929 Oc:~~?il31...0 (D) "Lender" is GMAC Mortgage Corporation Lender is a corporation laws of Pennsylvania 100 Witmer Road, P.O. Box 963, Harsham, PA organized and existing under the . Lender's address is 19044 (E) 2001 Fifty "Note" means the promissory note signed by Borrower and dated June . The Note states that Borrower owes Lender Thousand Eight Hundred and 00/100 28, Dollars (U. S. $ 5 0 , 8 0 0 . 0 0 ) plus interest. Borrower has promised to pay this, debt in regular Periodic Payments and to pay the debt in full not later than July I, 2031 (Ii) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. II (G) "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. (II) "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 D ~ Other(s) [specify] Mortgage Insurance Adjustable Rate Rider D Balloon Rider D o Rider Condominium Rider D Biweekly Payment Rider D Planned Unit Development Rider Second Home Rider 1-4 Family Rider (I) "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. (J) "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. (K) "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 institution 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. (L) "Escrow Items" means those items that are described in Section 3. (M) "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. WY()MING -- Singl~ Family - Fannie Mac/Freudie Mae UNIFORM INSTRUMENT Fonn 3051 ~I01 ~I/I) GMAtM'~ CMS.0042.WY (0001) (Page 2 of 18) Init:iak----/ Ltc- . 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SU\law "a:JU1unsuI agB~l-lOW" (N) OEB T .h I Di) o ...f:: Il./ {....lC'JI. ~ - - - o ~riJ L\:J'.1. 0 931 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 Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) 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. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds, Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which , it became due, Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. LOAN NO: 516173002 ~ WYOMING .. Single Family - Fannie M..IFreddie Mac UNIFORM INSTRUMENT Fonn 3051 IIO~ 'ttl GMACM - CMS.0042. WY (0001) (Page 4 of 18) Initials:' ' , .. 'l .. , ~ - - - If . " /... :S(llmuI (8l Jo J; a8vd) (1000) AM'ZIoOO'SW;) - W;)VWD ')1/~ ~l lSOE IU'O;{ .LN3I'Hnl.LSNI W1l0olINn ""1'1 OiPPOlol/O'W OlUuOol - "I!wool 'ISulS - DNIJ\!OAM V /1 GOOEL191S :ON ~O~ . 1\\l!'1 :Jlql!:)!lddV t{W'^ :J:nrnpIO:):)l! U! :JS!A\l:Jt{lO 10 swan 1\\01::JSg: :JlnlTlJ JO Salnlwu:Jdx:J JO Sall!WpSa :Jlql!UOSl!:Jl pUll l!Wp lUalln::J JO S!Sl!q :Jlp UO :Jnp spunt! JO lunourn :Jt{l :Jll!Wps:J lll!t{s l:JpUa'1 'VdS3~ l:Jpun al!nb:Jl UllO lapual l! lunourn wnw!X'ew at{l p:J:J::Jxa 01 lOU (q) put! 'v dSg:~ lapun pa!}!:)ads :Jwp alll III spun.>! all1 AIddll 01 l:JplIa'1 nWlad 01 1IIa!::J!JJns (l!) lunourn ut! II! spun.>! Plot{ put! P:JI1O') 'awp hUll ll! 'hllID lapua'1 'E UO!10as S!t{11:JplIn p:Jl!nbal uat{l <l1l11l!t{1 'slunoure t{ons U! pUll 'spun.>! 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S:JAp::J;;)l lapUa'l 11 7,t6 o,;r:i;Jt,sO ~ - - - U~374:]'1,O 933 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 Banle 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 RESP A. 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 RESP A, If there is a shortage of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, 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 RESP A, Lender shall notify Borrower as required by RESP A, 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 lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4, Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term , "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts WYOMING -- Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FOnD 3051 I(OJ P / / III , GMACM - CMS,0042.WY (0001) (Page 6 of 18) Jnitials~ cJ!lCc ' ....1 - - - "1~) dJ-'ljf~-~smuI (fU /0 L il8vJ) (1000) AM'Zt>OO'SW;) - W;)VWD WI lSOE UUO,{ .LN311l111I.LSNII''IlIOdINO "Ill OiPPOJdIO'1'ol O!UU1!d - ~I!w'd OI~U!S -. DNIWOAM. , tOOEL191S :ON NVO~ 'sl:nsnfpE :>Hqnd 10J S:l:ld 'Sp:l:l:>old lpns Uo S~U!UlE:l 10 1S:l1:llU! 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S:I;)J Aue JO lU:lw,{ud ::Jq110J :lIq!suods::Jl :lq OSll! nUlls l:lMOllOg 'uopeo!J!U:lO 10 UOnUU!UI1;;Jlgp lions l::l:lJJl! lqa'!W ,{{qmOSU:ll 1I0!qM lU:>OO S:;la'ueqo .rel!ill!S 10 sa'u!ddl!W:ll :lUIp q:>E:I S:l'31l!ll::l luanb:lsqns pUll S:lO!Al;;JS UOllR:>Y!U:lO pue UO!ll!U!WJal::Jp :moz poog 10J gjj'.req:> :lwp-;mo -e (q) 10 :SgO!Al:lS 1lUppl!ll pUll UO!lll:>Y!U:l:> 'UOp-eU!Wl:ll:;lP :moz poog 10J :libllq:> :lUI!HmO -e (l!) :l:lql!:J 'm:0'l S!ql 1l1!M UOP;)<lUUO:> U! 'A-ed Oll:;lMOl108: :ll!nb:ll hl?W lapU:l! 'Alquuose:uun P:lSP1:;lX:l :lq lOU ITEqs 11l'3p lI:>!llA\ ':l:>!oq::l S ,1aMollog :JAOlddllS!P 01 11l1l!J s,l:lpU:l'l 01 l;)::lfqns l:lIi\OllOg Aq U:lsoq:> gq tTEqs :l:>UlllUSU! aql ~U!P!AOJd l:lp.re:> ;):>uelUSU! gtLL 'ueo'l ::llll JO Wl;)l :llll 1lupnp ga'm:ll:> ImO Sg:>U::Jlu::JS '3U!pg;):lld ::Jq1 01 luunslUd s::Jl!nb:ll l:lpn;:q ll!llM 's:ll!nb:ll l:lpU:l'l luql spop:ld :llll mJ pue (sPA:ll :llqp:>np:lp ~u!pnpuJ) 17 r 6 01:l:l7 t..~ R .0 ~ - - - Ot}?L't,:3'1.0 935 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 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, 8. 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 information or statements to Lender (or failed to provide Lender with material information) in ~OMING -- Siogle Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 \1101 , ~ GMACM - CMS.0042.WY (0001) (Page 8 of 18) Initi~ftL-6 , O&tt" - - - - 1t/OfJ ~ "'''''''' (8l f" 6""dllIOOO) lin.oo.""" - "'WID / lOll' lSOE UUOj .LN3l'lfillJ.SNIl'lllOdINfi""l'l '!PP"d'""l'l,!uu'd '" ^llw'd .\:lu!S - f>NIJ\IOJA\ \ tOO€LT9TS :ON ~O~ aql u!) a2maAo:J a:JURlUSUI a21'12pow J! SluawAl'ld aA1::Jsa1 SSOI a1!uba1 1a2uoI ou UR:J 1apua'l '::JA1::JS::J1 SSOI IPUS UO s2U!tt.re::J 10 lSa1alU! AUR 1::lM0110g Al'ld 01 pa1!ub::l1 aq IOU Ifeqs 1apua'l pUR 'Hll] U! Pled AIaleWmU S! 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SUO!1111U;;'Saldal {l!!lalUW 'UllO'l aql IH!M uop:JaUUO:J 9fG {)"'t r;v~!.. B () - - - 08'ijq~J10 93'1 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 the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lend<:;r 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. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements, These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses, If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance," Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (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. WYOMING - Single Family.. 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Al1:ldOJd Otj'l JI REG ()~[ pJh6 Q 0 1/ t. ,.". ~l h..41... ,~ - - - . ~~J"'( C\:.r10 ,,}...::; 939 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 this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent, Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. WYOMING - "." '_'" -,~ _ff....' M~ UN<ro," ".""U",'" ,_~, '.' ~p,{}. GMACM - CMS.0042.WV (0001) (Page 12 of 18) Initials~ . CJl-- j /;t, - - - ~ t[J1fJ /~e!l!UI (8[ fo f[ il8vJ) (woo) ,\M'ZtOO'SW:J - W:JVWD c/i1iJl11/ llt}l loOl: uuo.!J mgl\lnll.LSNll\IlIO...INn "1\1 .!pp.J&..I\I.IUU.... .. ^I!w.... 'I~U!S - DNIWOAM ' ifflJ ~00(Lt9tS :ON NVO~ U su palU1SUO:l aq lOU Hut{s a:lUanS t{:lUS luq 'lUanS aq It{~!lli l! 10 l:JUllUO:l Aq aal~u 01 sa!lJv,d at{l Il\onu ApP!ldUI! 10 Appndxa It{~!lli Il\U'l alqU:l!lddy 'Il\tl'l ayqv,:J!lddy }O SUOPU1!llI!l plre SlUaUIal!nbal Alre 01 l:J;:)[qns ;:)Ie lU;:)UInIlsuI Al!1n:l;:)S Sll:P U! 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Oll:la[qus S! UEO'l alll JI 'Il\ll'l alqU:l!Iddy Aq 10 1uawlUlsuI Alpmas S!lll Aq P:J1N!l{Old AIsSaldx;) ;)lll lllql S:J:JJ ;:):3.mqo 10U AUUI l;:)PU;:)l 'a:JJ q:ms JO liImiiltlq:l aql Uo UOPN!q01d E Sll palUlsuo:J aq 10U llllqs lall\ol1Og 01 :;I:;IJ :J!Jpads u a:Bl\?q:l 01 luawlUlsuI Al!ln:las S!q1 U! AlPOt{lUl.! sS:;Ildxa JO :J:luasqu aql 'saaJ l;:)qlO Aill! 01 plu:Bal uJ 'sa;:)J uoPtlUlllA puu uO!1:Jadsu! AuadOld 'saaJ ,sAaWOllll '01 pal!llI!I 10U lnq '~u!pnpu! 'luamlUlsuI Alpn:J:JS S!l[llapun slqlil!l ptm Alladold al{l IT! lSalalU! S,lapua'l :Bupoal01d JO asodmd al{l lOJ'lIUEPP s,lall\ollog l{1!1l\ UOp:J:JUUO:l U! pawlojl:Jd sa:l!A.Ias 10J sa:J1 l;)Il\OllOg a:Bluq:l A\?m .rapua'l .sa~bBq;) UBO'} "N 0!76 o.tr>Dl~f~O - - - 941 U674:J10 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 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 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 permitted by this Security Instrument without funher 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 termination 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 forms, 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. WYOMING -. Single Family -- Fannie MaelFroddie Mac UNIFORM INSTRUMENT Fonn 3051 IJ\I ~I ~ GMACM - CMS,0042.WY (0001) (Page 14 of 18) Initials'l-----' . - o1{L. ~ - - - 'lnX) ."' .,~Il11JUI (8l fo H il8vJ) (1000) .\M.''ZtOO'SW;) - W;)YWD '7lJJ!"'~ 10/'1' ISO\: uuoA .LN3Wfi'll.LSNIW'lIOd:INfi ""w O!PpOJ,,/"W '!u",,, - AIiUI'd: .13u!S - DNIWO.\M. ~00EL191S :ON ~O~ lElp UO!l!PUO:J E S::llE::l1:J ';DuelSqnS SnOplEZEH E 10 ::lSE::lI::l1 10 '::lSn ';);)U::lS::lld ::lIp 01 ::lnp 'l{:J1l{M. (;)) 10 'UO!l!pUO;) lE1U;)UlU0I1AU3: ue S::llE::ll;) l{;)!l{M. 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S:lW!l ::llOUl 10 :lUO prOS :lq lIE:> (lU::lWnIlSUI Al1Jn:>::lS S1l{1 l!l!M. 1::ll[l::lilOl) ::llON al{l u1 lS::l1::llU1 IT!P.red II 10 :llON ::ll[.L .::lJUUA::lp~ jO ::l;)HON !l::lJ!A.IaS uno'} jO a8unl{;) !::llON JO al8S 'or '81 uO!l:>::lS l::lpUn UO!lEl::l{::l:>:>ll 10 ::lSE;) ::lql U! AlddlllOU HEl{S a1lllsu!al 01 rqli'p S1l[1 '1:MaM.OH 'P:llln:>:>O pEq UOpEl::l{a:>:>E ou 11 Sll aAp;)::l1J::l AHllJ U!EUlal lIEl{s Aqa1::lq p:;un:>::ls suo!lt!ilnqo pUE lUaUlnIlsuI A1pU:J::lS S!ql 'laM.Ollog Aq lU::lUl::llE1SU1al uodn Zf76 O'tf:tJ!~f~n '~ : ' ' ~ - - - ti ~rih~:ll,O 943 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. 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; (h) 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 nonMexistence 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. WYOMING -- Single Family -" Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Fonn 3051 VOl It!L-, GMACM - CMS,0042.WY (0001) (Page 16 of 18) lnitia~' " " , ,~/D /It ~ ...... - - - (8 [ fo /. [ <If]vd) (1000) AM. .tt>OO"SW;J - W;J'VWD lOll tSOC UllO.!{ J.N3l'lClll.LSNIl'l1l0:lINCI""1'I '!PPOJ,II"l'l '!U"":I- .(lllU':I 'lamS -- VNIWOAM. :S~SS~Ul!.M. ~00(LI9TS :ON ~O~ l<lMOJ.lOg- ({vas) l<lMOJ.lOg- (was) l<lMOJ.lO'lI- (1VaS) PTRqTUD.:nr -e.:tqarr c--___ --fl:rO~~r10 tnnr:ox) lOMOJ.lO'lI- (1vaS) ~~T~~ 'l! qHM p~p1OJ~1 pIm 1~MOllog Aq p~ln:JgXg 19PnI AIm U! pIm lU~mnl1SUI Al!ln:JgS S!ql U! pgU!R1UO:J S1ueU~AO:J pIm srul~1 gq1 01 Sggl~R pIm S1dg:J:JR 1;;JM0110g '.M.0'1'iI8 8NIN8IS A8 '~U!UlOA.M. 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" '~".:.::'J~~~\(':. :.~' "i' ..<\::'~~,)':'>'\". ::}i):ff;;!:'" '..' . "'-'.:'::~.:' "\:.:~~;.?~:,? . , 7JOXJ -j.'r? 1--- :Slll!l~ (81 Jo 81 J!jOJ) (moo) AM."Z:J>Oo.sW:J - W::lVW{) V /4 ~1 I.Of w'o,. .lN3I\1IHL1SNl WllO~lNn "1\1 '!Pp'J,j/,"1\I '!UU!,j - t;I!U"~ >13U!$ - {)NIWOAM. '11 A.Itmu-e f :sal!dxg UO!SS!UIlUO;) ^W .. . N'lOON1 .:I0illllOO DNlWQM\ .:10 31V1S (llu!llp;llt/lOIDf:ll.l U05.l;ld) :.>l1snd MlVlON - ]]>I:lW 31ij(1'(l PIEq~~~.IV E.Iqaa PUE Pl-eq~~~.IV .~ laEq~~w Aq (:lll.lp) 100('; '8('; aun.c S!'(ll aw alOJaq P;)ZpalM.OID{:lt! Sl!M. luamrulsU! ZU!oiJalOJ al{.L ( ulo~u~~ .!IO X~NflO;) SS ( ( '~NI:WOAM .'10 :i[J,V.LS ~N~~a3:'lMON)l3V 'lVll<IlAI<INI OTf~t7~~~~n - - ...:~;:: . '.;:~ :,,\~ - - U~j~dj/\:]:10 Schedule A Wyoming Mortgage Given By: Michael L. 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