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HomeMy WebLinkAbout873951on ICU wlod slemui (s)JaMo Joe U81. 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(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. 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 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 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: Lot 80, Riverview Meadows, second addition to the Town of Alpine, Lincoln County, Wyoming within the SE 1/4 of Section 30, T37N, R118W, according to that plat filed February 11, 1994, Plat No. 264 -D, instrument No. 778568 Parcel Identification Number: which currently has the address of: 615 Snake River Drive Alpine, WYOMING 83128 "Property Address 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 seized 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. WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Page 2of9 IDS, Inc. 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(S)JeMOJJO9 ZL8 1 SS Coos) out 'sot 6 a6ed IN3Wf1211SNI W2lOdlNl oej elppeJJ/aelj eluuej Ague J 9 1 6 unS ONIVII0JUVl C•f;1,4Si 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 (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination 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, but 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 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. WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Page 4 of 9 IDS, Inc. (800) 554 -1872 08739:i1 Borrower(s) Initials 7 1. ;.3 Form 3051 1/01 104 is0£ wioj y slei;lul (s)�eMOJ�og ZL9 -t99(009)-'ouI'sai 6 ;o g a6ed 1NMAIMILSNI INNOJINn new e!ppeid,aeyy eluue j AAwed el6uls DNIINOAM otp o; Aao;osJsr ;es tag ;gq; suowpuoo pus saga; uo air s ;uawaaa2s asata •sassol aonpaa 10 `Nsu arts; Ajrpow ao aatgs ;ET satusd Jay ;o q;rm s ;uatuaads mu! aapua Amu pug `atup o; atur; wog aoao3 ut aousansut tons lrs uo xsu ;viol arat; a;snlsna saaansut. aSsSuow •aousansut aSsSuow ow o; Ausd u lou sr aamoaaog 'Naas ss uso' at; Asdat;ou sop a3mo1a0g31 moat Amu 1! sassol ursuao toJ (a;oN at; sasstotnd;sg; Alpo ,Cue ao) aapua- sasangwraa aousmsui &allow •a;oN at; ut paprnoad am alp ;s Isamu; /cud o; uor ;s tigo s,aamoaaog s ;oa33s OI not;oas sup ut Sutq;oN ms' aigsoriddd Aq paatnbaa st not ;turuua; !gun ao uoputrut o; tons aoj &nprnotd aapua- pus aamouog uoom;aq;uawaaa2t uaupm Aue g;tm aouepa000s ur spuo aoueansut aSsSuoyAl ao3 ;uawatrnbaa s,aapua' ;pun `anaasaa ssoi algspunJaa -uou s aprnoad o; ao ;oa t ut aoueansut oMuoyq ure;urew o; paarnbaa swntwaad aq; Asd ins tamoaaog `aousansut aSsSuow aoj swmwaad aq; pasmo; s ;uauzAtd pa;suStsap Aia;stsdas axsw o; paatnbaa sera aamoaaog pus uso- aq; SuDIsw jo not ;rpuoo a se aousansut a2s2uolA; paarnbaa aapua- 3i aousansut o2s2uow to; sun aq; pasmo; s;uau1Asd pa ;euarsap Ala;sasdas saatnbaa aapua -i pus `paurs;go Si `algspens sawooaq wag aapua- Aq props aamsur ug Aq paprnoad (saatnbaa aapua' ;st; pouad aq; tog pus;unotus aq; ut) aSeaanoo aousansut aSgSuoyg J! slum sd anaasaa ssol annbaa aaSuol ou ueo aapua- •anaasaa ssor gons uo sSutuata ao ;saaa;ut Aue aamoaaog Asti o; paarnbaa aq ;ou hogs aapua' pus `lin3 ut mud Ala;stupin st uso- alp ;eq ;os3 aq; Surpus;sg ;rm ;ou `aiggpunpaa -uou aq Bulls anaasaa ssol tons •aougansui aSsSpOJ, jo nail ur a masaa ssoi aigspunjaa -uou s ss s ;uauiAsd asaq; mum; pus osn `;daoos Ilan aapua- ;oat ur oq o; passao aSsaanoo aousansut aq; =gm anp atom ;sip s;uatuAsd pa;euSrsap Ala ;eaedas alp 3o;unowe ag; aapua- o; Asd o; anut;uoo ins aamoaaog `alqultsns log sr 05510A00 aoueansut aSsSuoyq luaientnba Aiiepue ;sgns 3i •aapua' Aq pa ;oojos aamsur o2s2uow a;suaa;ie us wog `loo33a ut Aisnornaad o usmsul aSsSuoj, atpjo aamoaaog ;sot ow o ;ualsntnba Aiispus;sgns;soo Is 'raga ut Aisnornaad aousansut o eguoyAi aq; o ;;uaisntnba Arist ;us ;sgns aSeaanoo uts;go o; paarnbaa swntwaad aq; 'cud ;jugs aamo.uog `aousansut °Balloj, aoj swntwaad at; paemo; s ;uotuied pa;suSrsap Ara;smdas ovw o; paatnbaa SEM aamoaaog pus aousansut tons paprnoad Aisnotnold ;eg; aamsur o sSuow aq; wog aigsirsns aq o; sossoo aapua- Ag paarnbaa 0Sstanoo aoueansut oSsS ;aoj, at; `uoseaa Aus aoj `3i wow ut aousansut aSgauoyq aq; uts ;urges 01 pant swntwaad aq; Asd hogs aamouog `uso' at; Supiew jo uor;tpuoo 5 se aousansut a25S1o1Al paarnbaa aapua' 31 •aoueansut aSaS ;aoN 'ot •Sur ;tam ur taSaatu alp o; saaJSs aapua'ssalun ASaaw;ou hugs al ;r; aaj ag; pus plogassal aq; `Auadotd aq; o; al ;r; ooj saatnbos aamoaaog31 •astai ag ;3o suotsrnoad aq; Its q;rm Aidwoo Ilsgs 10 0110H `piogassal t uo st;uawn.usui A;unoas srg;JI ;uatuAsd Sut;sanbaa IOMOJJOg o; tapua' woad aor;ou uodn ;saaa;ur tons q;tm `algsAsd oq hogs pus;uawasangstP jo a;tp ow wag a ;ea a;oN aq ;e ;saga ;ur nag ;tugs s;unowe asaq,i, •;uatuna;sui A;unoas sup Aq paanoas aaMoaaog jo ;qap Ieuot;rpps awooaq netts 6 uor;oas sup aapun aapua' Aq pasmgsrp sumo= /Cud •6 uot;oas sup aapun pazuot ;ns mops Its so Aue 2uDI5 ;ou tog A;rlrgsri ou savour aapua"tt; paaaS5 Si ;t •05 op o; uor;eStigo ao A;np Am aapun 1ou st pus os op o; aneq ;ou saop aapu0' uot;oas sup aapun not ;os a)ie; Ages aapua' 4 ;Id '33o ao uo patum sat;gl ;n ansq pus `suot;rpuoo snoaaSusp 10 suot;slotn apoo tat ;o ao Surpltnq a ;surwrla `sadrd wog mom utsap `smoputm pus stoop do pang ao aosrdaa `stloor aSusgo `sarsdaa wises o; Auadoad at; Suua;ua `o; po runt ;ou sr ;nq `sapniout A;aadoad aq; Saunas •Sutpaaooad Ao;dnDjusq s ur uor;rsod paanoas s ;r Surpnlour `;uawna;sul A;unoas sup aapun s;4SU ao /pus Auadoad at; II; ;swa ;ut s ;t ;oa;oad o; saaa ,sAauao; ;s aigsuossaa SutAtd (o) pus ;moo ut Sutasadds (q) `;uatuna;sut A;ranoas sup aano A;taoud sot; torten uarl s ,Cq pamoas stuns Aus SuuAsd (t) :o; pa;rwrlmou aae ;ng `apniour uso suot;os s,aapua' •A;aadoad at; Suurtdaa ao/pus Sutanoas pus `Auadoad asp jo anion aq; Surssassn Jo /pus Sur;oa;otd Surpnlout `;uawna;sul A;tanoas sup aapun s;12U pus Auadoad aq; u; ;swam; s,aapua' ;oa;oad o; a;sudoadds ao aigtuossat sr tana;etm mg iced pus op Amu aapua? uaq; `AUadoad aq; pauopusgs set aamoaaog (o) ao `(suor ;Einnaa so smst aoaoJua o; ao ;uawna;stq A sit; aano A;taoUd uts ;e Amu gotten uati a jo ;uawaotoJua aoj `atn ;tajaoj 10 uor;euwapuoo aoj `alegoad `Ao;dna)iusq ut Sutpaaooad u so tons) ;uawna;sui A;rmoas sup aapun s;42U ao /pus Auadoad at; ut ;swa ;ut s,aapua- moamms Apusog1USrs;4Srtu ;sq; Surpaaooad isSai s sr amp (q) `;uatuna ;sat A;unoas sit; ur paurs;uoo s;uatuaaaS5 pus s;uguanoo alp uuojaad o; srre3 aamoaaog (s) jj ;uawnt ;suj A ;lanaas still aapujt wpm pun A;tadotd alp u! Imam s,aapua' Jo uol ;aa;otd '6 •aouaprsaa isdrouud s,aamoaaog se Auadoad at; jo Aousdn000 s,aamoaaog Sutuaaouoo suor ;e;uasaadaa `o; pa ;rwrl log am ;nq `apniaut suor ;t ;uasaadaa isua ;sy'l •uso' asp t;rm uor;oauuoa ut (uor;swaoJur Isua;ew t;1M aapua' aprnoad o; paps; ao) aapua' o; s ;natua ;s ;s 10 uoT;ewaoJw a;eanoosur ao `Sutpuolstw `asie3 Arisua;sw anSS;uasuoo 10 aSpaimou)i s,aamoatog gum ao aamoaaog jo uot;oanp at; ;e Sur;os sat ;t;ua ao suosaad Aus 10 aamoatog `ssaooad not ;soridds ueo- alp Suunp `3I ;lnsJap ut aq risgs aamoaaog •uol;sallddy uso' s,aaMOaaog •g •asnso algsuossat tons 2uiA3ioads nouoodsut aotaa;ut us tons o; aoud ao 3o awr; aq; ;g 009011 a0M0110H an15 ;lets aapua' •Auadoad at; uo s;uatuanoadtut at; 3o aoua;ur at; ;oadsut Attu aapua- `asnso algsuossaa set ;r 31 •AUadoad at; Jo suor;oadsut pus uodn sau;ua algsuoseaa avw Attu ;uaS& s ;t to aapua' •uot;sao ;sat 10 arsdaa tons Jo uor;aldwoo at; aoj uor;sSggo s,aamoaaog Jo panarraa;ou sr tamoaaog `Auadoad alp aao ;sat 10 arsdat o; luaro3jns ass spaaooad uor;gutuapuoo 10 aousansut aq ;31 •poloiduoo sr )iaom aq; sr s;uawAsd ssaiSoad jo sagas t w 10 1110111/(5d alSurs s UT uot;gao;saa put sarsdaa at; ao; spaaooad asangsrp Asw aapua- •sasodand tons aoj spaaooad pomp.; set aapuo jji Aluo Auadoad aq; Suuo;saa 10 Sutatgdaa aoj algrsuodsoi aq Mugs aamoaaog `Auadoad aq; `Jo Sur)Is; aq; 10 `o; 02ewtp g;rm uor;oauuoa ut ptsd aae spaaooad uor;etnuapuoo 10 aouttnsu1Ji •ogewep ao uor;gaoua;ap aat;anj pions 01 po swop ji Auadoad ow arsdoa Apdtuoad 11sgs IOMOJJOH `algrssaj Allgotwouooa;ou st u095J01s0t 10 tredaa;sq; s uot;oas o;;usnstnd pauruua;ap st ;r ssalun •uoprpuoo s ;r o; anp anion ut Sutsgaaoap 10 Sur;saoraa ;ap woad Auadoad ag; ;uanaad o; aapao ur Auadoad 0143 art ;ursw Hugs aamoaaog `AUadoad 0143 ur Sutprsat sr aamoaaogmum) taq ;ate •Auadoad ag; uo a;stm;rutwoo ao a;gaoua;ap o; Auadoad aq; molls `Auadoad ag;.ngdwr ao 025tusp `Aot ;sap;ou Ilsgs aamoaaog •suol;aadsut'A ;aadoad aq ;to uopaa;oad pus aausua ;ulnw `uoPanaasaad •L IDS, Inc. (800) 554 -1872 4 ,21 tt. '1. '4'15 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. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and 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. 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 WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Page 6 of 9 Borrower(s) Initials Form 3051 1/01 10/1. 150£ WJOj me7 algeoilddy Aq pa3jgigoid s! asi0laxa pus J! .capuaj Aq pas!Olaxa aq 3ou Hugs uoido sup `JanamoH °3uawnusul'i3unoas si43 Aq pawns stuns lie 3o Iin3 uI 3uatu,CEd a ;eipauuuui aJinba2 Amu aapua-1 `3uasuoz ua ;gum Joud s 3noqum (pauajsueu Jo plos si lamouog ut 3saa3ul leiagauaq e pue uosiad lEJn3Eu E ;ou st Jamo1°tog3! Jo) pa°uajsue13 Jo plos st X;.uado.td alp ui 3sa1alu1,Cue 10 Xa.tado1d alp jo Ind Awe .to lle3I °Jasegolnd E o3 aiep am3n3 E 3e Jamouog Aq opt jo Ja38uEu 343 si gotgm 3 3u alp `3uawaai2e mama Jo 3oEuuoo sales 3uawlie3sul 'pap .uo3 3OtJ3uoo 'pap Jo; puoq e ul pauajsueu mata;ui lelogauaq osog3 `o3 pautuq 3ou lug Iuipniou! `i(lladold aq3 ui 380103111 leiogauaq Jo p20! 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Jossao0ns i(uE `g! mums 3o suolslnold alp 03 3oafgns °3uasu00 s,Jau2is -oo aq3 3nog3lm a3oN aq3 JO 311awtu3SUJ X31.1110as sup 3o swna3 alp 03 p10201 tram suoi3epoww000e /Cue a1EW 10 Jmagyo3 `X31pow `pu03xa 03 ooi2e tea lamouOg 10430 AuE ran Japua7 Imp saaw&e (o) pue `3uawn1jsui Xu1noas sup Aq paln0as swns alp Aed 03 pa3e lleuos 1 ad nu s! (q) `°3uawnJ3su1 X311n0as sup 3o sum ay3 aapun Auadold alp u! 3sa103U! s,aau2ts -oo aq3 i(0nuoo pue 3ue12 `020241ow 131 Alto 3u0wtu3sul i(Iun0as sup $uiu2ls -oo st (E) „1au2ts -oo„ o) a1oN ow mown 300 saop 3nq 3uawnusul 1(3unoas sup 502!5-00 own Jam01I0g `JanamoH lumps ram 3Uiof aq !legs 40 put 811013024g0 8,1amo.uog 1043 saa12e put S300Uan03 1am0110g •punog su2issy pue saossa0ons :saau;ils -oa !X;TI►gef'Lianas pue ;Igof •£i Cpawa1 34211 Amp 0810.10x0 043 apnloaid 1030 1an!Om a aq 3ou ins `anp 0043 3UnOw= 043 u0g3 ssal s3unowe 01 10 Jamouog Jo 38310301 u! s10SSao0ns 10 8013!300 `suoslad p1!43 w013 SIeIt1U� (S)J9MoiJOg ZL81-489 (008) 'S01 6 30 L abed 1N3Wf W SNI W?JOIINfl Dew eippe.J /aew aluueA 4liwed a 6ul ONIWOAM 0873 A. 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 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 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. 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 Periodic Payments due under the Note and this Security Instrument and performs 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 information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. 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 Environmental 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 WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Page 8 of 9 IDS, Inc. (B00) 554 1872 Borrower(s) Initials Y L Form 3051 1/01 (auu IOMO.uOg- (IeaS) ID/110 ,og- (I .IaMOlaOg- (IeaS) aaMOaiog- (IeaS) ZL8-489 (008) -'01I 'sot 6 10 6 abed 1N3Wf1211SNI INNOdINf1 aeI I alppaufe I aluued /Ilwej a16uIS ONIWOAM £0—Z T-6 :saatdxa uotsstunuoO,iy�l 'uos;.zagog 3 auluuear put `uosuaagoj •a Igor `TOOZ SEInI JO cJ sup au aaolaq papaIMOU3IOU sum luau tulsut gutOdam au NOJ2 L :ss B;unop `ONIIAIOAM dO LLVIS uosuaagog I auluu uos;aagog •a por. P"wi1 •ut pm paptooaz pue aaMo.uog iCq palnOaxa aapt2I Cue u! put luawnausul XutmOOS sup ut paun uoo suueuanoo pue suuau atu ou sow& pue sudaooe aaMO.uog `MO'Igg DNINOIS Ag lutwo,CM JO SAM not ;dUlaxa peausawoq aqa 3o anlatn Act pue aapun sug2!J Ile santeM pue saseala.z 1aMOUog saanleM •bZ •MUZ alquotlddy lopun pauutuuad st aaj aqa jo 2ut aego alp pue pazapuai soopuOS ioj iced patgu u o; mud st all aqua' Apo lnq `uuawaausul Alunoo sty; utsualaa ioj aaj u iaMO.uog Amu aapua'l 'sasoo nopupiooai Aug ,Cud !lugs aaMOfog ;uawnausul Autmoas sup amp.' Hugs aapua- `uuawnausul Autmoas sup Xq pamoas scans Ile jo uuawAed uodn •asealag •£Z ;l o; pal ;l ;ua Sllaal suosaad ao uosaad aq; o; ssaaxa Cue (a) pue :uuatuna;sul Sulanaas slqu Cq paanaas stuns He 03 (q) :saaj ,sdauaou ;e algeuoseaa'o 30U 30q 'u3pnpu 's at 3o sasuadxa Ile o; (e) :aapao 2upuollo; at; ul pagdde aq !lugs ales at; jo spaaaoad aqs -ales ,Cue ;e Staadoad at; asegaand Lum aaualsap s3I ao aapua7 Me'I aiquallddy Set paglaasaad aauuew alp ul Nos aq !legs ,C;aadoad agu pun 'ales Jo 331tou at; gsllgnd !legs aapua1 •Sl uopaas ul papinoad aauuew at; ul aaMOaaog 03 ales alp jo aapou 3,4 !legs aapua- •Me7 algeallddy q;JM aauepaoaae ut' ;uaaajjip 3z `Staadoad atop uolssassod ul uosaad mil 0; pue aaMOaaog 0; asopaaol 03 ;taut! JO aa4;ou anl2 !legs aapua' `ales JO aaMOd alp sa)lonul aapuai II •aauapina am; jo 9003 pue saaj ,sdauaoup algeuoseaa'o; pa ;tug ;nq'2ulpnpu!'ZZ uopaas situ ul papinoad salpawaa ag;Nulnsand ul paaanaul sasuadxa (le 1331103 o; papl;ua aq hugs aapuarl •Me1 algeallddy Sq pau;ltuaad salpatuaa aaquo Sue pue ales jo aaMod at; a)lonul dew pue pueuap aat;an3 mown ;uauna ;sal A;lanaas slq; £q paanaas stuns He jo Ifni tit uuaw Ced aaelpatutul aalnbaa Sum uopdo silty aapuarl'aapou alp ul patupads amp at; aaojaq ao uo paana;ou sl ;!temp a ;1l •ales put; uopea3(3330 03 aaMOaaog ;o asualap aatuo Slue ao;lne;ap a 3o aaua ;slxa -uou aq; ;aasse 03 uopae u1003 a 2ulaq 03 uggla mu pue uo9e13(3330 aa;,ue a ;e;sulaa o; ;AA aq; ;o aaMOaaog wa03u! aaqu.cnj Ilegs aauou aq1, Staadoad aq; ;o ales pue ;uauna;sul ,(;!atlas sit; Sq paanaas suns at; 3o uol;eaalaaae uz;lnsaa ,feu aa4;ou equ ul paglaads amp agu aaojaq ao uo ;lnejap aqa alto o; aanlle3 ;eq; (p) pue :paana 3q 3911W ij1199J3 at; galgM fq'aaMOaaog 03 uanl(4 sl aaluou aq; amp aqa wool sS 0£ ueq; ssal Jou'a ;ep a (a) :;lnujap ag; aan3 0; paalnbaa uopae at; (q) :;IneJap at; (u) :Sjiaads !legs alluou agj •(as4Maaq ;o sapinoad Me'l algt:allddy ssalun gl uol;aas aapun uopeaa13330 o; aolad uou mg) ;uawna ;sal ,f ;lamas slq; ul uuawaaatu ao;ueuanoa Sue jo gaeaaq s,aaMoaaog 2ulM011oj uopeaalaaae 0; amid aaetoaaog o; aapou anl;I !legs aapua7 salpatuag :uol;eaalaaay ZZ :sassau1I :sMO11o3 se alas put 1utUOA00 .I:agu nj .zapua-1 put JOMO.uog 'S.LNVNHAOO JARIOdINfl •dnuea10 lu;uauxuoatnug ue ao; aapua-I uo uoge (4tlgo Cue a ;eaao !legs utazag (4uItpoN 'Me7 leuuawuonnug gu1M aOUepzoOOU ut suotpoe lutpawaa A.wuss flu 3)403 ,iludwoad cv coign Sent by: 0 0; ADJUSTABLE RATE RIDER 05/21/01 5:11PM;J #835;Page 5/8 Loan Number- 10] 1935 (1 Year Treasury Index Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 21st day of May, 2001, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust. or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower to secure Borrower's Adjustable Rate Note (the "Note to Nationwide Mortgage (the "Lender of the same date and covering the property described in the Security Instrument and located at: 615 Snake River Drive Alpine, WYOMING 83125 (Property Address) THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL, COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 7375 The Note provides for changes in the interest rate and the monthly payments as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the lat day of roue, 2006, and on that day every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date." (II) The Index Beginning with the first Change Date, my interest rate will be based on an index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index which is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Bolder will calculate my new interest rate by adding TWO AND THREE FOURTHS percentage points (2.750 to the Current Index. The Note Holder will then round the result of this addition to the nearest one eighth of one percentage point (0.125 Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The,Notc Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. MULTISTATE; ADJU5TADLE RATE RIDER ARM 5-2 Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Pape 1 of 2 Fo.�QI 31 QA 1 (000) 434 1e72 Borrower(s) tnldals 9 TOIL I RC Wu Z)Q Z sBed taoel 'DA 'stlr LN�Wft>y�SNI W21OdINn apN sippoiAtotiv wIuuaA Apw2J alt3utg Z -s W21d 213012I airti a'18visn av alr'1SIl1f1W S£6ITOT :dagwn/ijuoo7 8/9 e Got Igo 'taptN aigK aigtnsnfpd sttp ut pautg2U00 s3Usuan00 prig suttal am 01 mail put; sida00s JaM0iJ0Q 'AMOZg£{ ONINDIS A8 •taM0.Uog uo pugtttap so aot ;ou _unpin! !notpm* 1U uttutsui Ani oag s ?qi i(q pal3nuzad sat Aug olonut Atttu Japuaq 'potzad 91113 3o uoggatdxa otp n; totsd sums asatp Jud 01 split tannouol3 3I 'ivau:ngstq (3tmxis sup •sq pain0as suns us Xgd lsnut omo.tiog goutm utq;tM 5 t ttot ;aog q ;tm aouapi000g ut amp st aopou 2113 a;gp aq3 woi3 sAt;p u uzgl ssai 10U JO popad g aptnold hugs 301.10u aqj; •uo1.1E10E0002,o 20noa JaMo.flog ante puts sapua'j 'Ilnj ut utattt1cgd algtpaunut aitnbai o3 uopdo atli sas10z0x2 iapua'I jI Sttgpns ttt'JaMOJJOft sasgaiaz Japttal nom 3uawtu3sul Itltmoas sop pug aloes aril Japun paigatigo aq o; anapuno titM taMOttog 111304u3sttt AltawOas sttp ut pug alobt atp ut apgtu mammas pus sastutosd aq; tig dam' o3 aatajsugt3 aq3 sa ;g;itigo 1tttt3 pug toptta7 o; algg;doazu st Imp luautaa.t8g uot3dumsso ttg uats o3 0at0jsusrl aq1 aJmbax osto i(tttit Jopua'j •uot3dtunseg ugot aq3 02 ivasuoo s,rapua' o3 uoiltpuoo s so ooj atgruossof s aatttgo AlItu iepua- 'Mg/ algtt0tlddy Aq paJ3tuuad 3ualxa atp o j, •Japua -I o3 algs;dao0u st 3uawttusul 411 stg3 ut luatUpuigt3 ro lusuanoa AUt13o 10sa39 u 40 lisp aq3 tggi pug uopdttmsse usoi atp; dq patiedwt aq 3ou tl!M A3utW s s,tapua-t 311tH sautttuglop iggttuosttas lapua^I (q) pug :aalajstttui ag103 ;pstu autaq a1aM tmol Mang 3t sg aasajsugt3 papua3ut gip a;t:ntena t>; sapua-I ,(q paltnbat uoti, uuapn sapert of pajitugns aq o1 sasngo JUA1011og (e) :31 uogdo sitll astoiaxa sou netts ogle J2pua7 'Mr j algeoliddd.(q pa;tgtgosd st *stoma Botts 3t tapua-I Aq pastataxa aq 1ou putts uopdo sup 'ianaMokl •3uatunz,sul i(1tm0as sttli Aq pampas sums llg 3o t[n3 ut ;ttout,(gd o titpoum.tt annbat ,Guru i pua 1uasuoo tt034t1M ioud s,tapttarl ittotp lm (possojsugz; zo Nos st 1aAaiag to 3sasa ;ut tstotpauaq t3 pus uosiod mutton t3 !au at 1 kt0110$3 3t s0) pana39ueri i0 pios si A3rado.1d 2113 m lsazaiul i(tig zo Ailociot alp jo 31gd Aug 10 pit •zassip and s o; amp ain;n3 81g tamouol3 Aq opp 3o Ja ;suuzl aq; st gotgm jo *um! atll 'luatttaaias M015Sa 10 ;ogi1u00 salsa wougpg;sut 'pap 103 3ott13uo0 'poop ioj puoq tt ut p 1111Jsug13 slsalalut pgtotlauaq aso113 'o3 pa;twtt 3011 lnq '$alpnloat uadozd alp to roam Istot to Ig2at Aug sugaut „JC3.tadold ot;3 ut !swain, "81 u040a5 Sidi ut pas11 sV 'xaAtoazog uc lsaza3n)I lepljauag is zo Aliadoz j ay; jo zajsngzy :smoppo3 se pea.; o1 papeatug st 3uatunusul Aiii oag ag33o 8t uogoas ZI3AAOORIOfl '1VIOI1IMSl V ?IO 1(d.2tadO2id 314.I..tiO IIWASANYHII, 'S -aat3ou atp ffutpisSai anuq ,ttnu t uo13sanb ,(ue JaMsug iltr►t oqM uosiod g jo lagtunu auottdatai pug alit; asp ow pttg out in 00nt8 aq o; Mgi .(q paltnba1 t ot3nttuouut aptgatu dint aotiou aq T, 'a3usgo Aus 3o a;up ani2oa33a aq1 a.rojaq wawa itd Aitpuotu /(us jo lunotus aril pus am ;swim Atu ut sa3tttgo Aug Jo azt3ou u out of )tutu 1 0 1 0ni10p MMMM 12 p1o14 alotl aria, sa;tuagO jo aapou (a) •utr3e sa &usga 3uawAsd 41gluow Aw jo lunotus alt; Igttn 4412j aattt 7 atp Joys atsp luatuAsd Atgluout wits MO U0 gUltSUIROCI luotU(bd Appuotu Mau /(w Jo lunotug 2q3 ,tsd it'M I •a ;ga Outgo goso uo an1304je among rum a, 1113 3sai 3iU •tAaU Apt saauega jo ma anl3aain (H) %5L£'£t ugtp31a3go.tg aq Janau tptm amt !salami yv •stp3uow Zt $utpaoatd aq3 103 3utitsd uaaq angq 13sa1a3ut j0 atm aq; woaj (°%0001) slutod aStqua0t d OM,I, ugt[1 a.taw Aq a3ttt p a$ug1O ap8uts Atilt uo pasga1Oap Jo pasgoiout aq zanau 111141 alto swam! dui `ia3,;sa.tati t, LE "1„ agg3 seal 10 %SLE'£t uttitt I Igat2 aq 3011 PA also a8ut;g7 osig art; 3g Avd o3 paltnbal tug j o1n1;sa1a3ut atiy saaustia emu ;so.aajui uo 'mull 0 0 :/(q .ues Sent by: 0 0873T Dated: May 21, 2001 Borrower..foe1 D. Robertson 0; Seal) (Seal) Borrower. 05/21/01 5:12PM;,J X #835;Page 8/8 Loan Number: 1011935 PREPAYMENT RIDER THIS PREPAYMENT RIDER is made this 21st day of May, 2001, and is incorporated into and shall be deemed m amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower to secure Borrower's Note to IndyMac Bank, F.S.B., a federally chartered savings bank, of the same date and covering the Property described in the Security Instrument and located at 615 Snake River Drive Alpine, WYOMING 83128 PREPAYMENT COVENANTS. In addition to the covenants and agreements made in the Security instrument, Borrower and Lender further agree as follows: Except as provided below, I may make a full prepayment or a partial prepayment at any time without paying any penalty. If within the first THREE (3) years I may make a partial prepayment or partial prepayments of less than twenty percent (20 of the original principal amount in a twelve month period, I will not pay a prepayment penalty. However, if within the first THREE (3) years,, may make a bull, partial prepayment or partial prepayments of more than twenty percent (20 of the original principal amount in a twelve month period, I will pay a prepayment charge in an amount equal to the payment of six (6) months' advance interest on the amount prepaid which is In excess of twenty percent (20 of the original principal amount in that twelve month period. If I make a partial prepayment equal to one or more of my monthly payments, the due date of my next scheduled monthly payment may be advanced no more than one month. If I make a partial prepayment in any other amount, I must still make all subsequent monthly payments as scheduled. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Prepayment Rider. Seal) ower Jeannine P. Robertson (Seal) Borrower. Prime Prepayment Rider ARM 1 -5 Years PP #001 (09117199) Rider ARM/Balloon (AL. AK. AZ. AR. CA, CO. CT, DE, D.C., FL. GA, HI. ID, IL. N. IA. KS. KY, LA. MD. Mt. MN. MS. MO. MT. NE. NV, NH. NJ, NM, NG, ND, OH, OK PA, RI, SD, TN, TX. UT, VT, VA, WA, WV, WY)