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HomeMy WebLinkAbout872920Return To: Major Mortgage 401 W Baseline Rd, Suite 103, Tempe, AZ 85283 Prepared By: Carrie Neidorf e This MOrt SU iF' IIv &TU E DEFINITIONS Lender is a A Wyoming Corporation organized and existing under the laws of ®6(WY) 10005) Page 1 of 15 MW 05/00 Initials VMP MORTGAGE FORMS (800)521- 291 872920 [Space Above This Line For Recording Data] MORTGAGE (A) "Security Instrument" means this document, which is dated together with all Riders to this document. (B) 'Borrower" is Jean A. Anderson, A married woman separate property Borrower is the mortgagor under this Security Instrument. (C) "Lender" is Major Mortgage ANDERSON,J.A. 1012537 WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT RECEIVED LINCOLN COUNTY CLERK W 1012G L 30 JEANNE WAGNER KEMMIEREF1, WYOMING BOOK 643 PR PAGE__ 1 9 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. Wyoming April 23, 2001 as her sole and 11 NI 1 1 Form 3051 1/01 1 11 1 11 11 LO /L L90£ WJOd L85ZIOI •V f'NO9:13 @NV 'ddS32I Japan „Imo' a2g2jiout paw pi AIJEzapa g sr ,ijijgnb tau saop ug0' ag13i uana „Imo! a2g2lJOUZ palglaJ iiJJE1apaJ„ g o1 maw ui pasoduti 01g ig suotiouisa1 pug sluatuaunba1 Iig o1 =jai „ddsg21„ `luatunhisul Aiunoas spp ui pasn sy •Jallgul loafgns auugs aq1 sUJano2 wql uoilgina1 10 uotlgjst2ai Jossaoons 10 iguoiiippe Aug 10 `01.11t1 01 auto wag papuauag aq 11l2tuz Aaiji sg '(00S£ Ud •2I 17Z) X uouuin2a21 `uoilein2a1 &uiluaunaidtti s1! pug (*bas p TO9Z uolloaS •D•S'n ZI) 1ad sa1npaoo1d luatualllas alglsg jgag am sugaui „ddSa2 1 (0) •luaunmsul Altimas sigl jo uotloas Japan slunoui Aug (n) snjd `aloj l 0141 Japan Isamu! pug Igdiouud (I) JOJ anp lunotug painpagos ,il1glnal Om stream luatuArd aipolaad„ (N) •ugorl aqi `110 1lnujap Jo 'JO luatuiigduou aqi Isute& Japua-I 2uiloalo1d aouginsui mg= „aauennsul a2821JOjytj„ (N) •ApadoJd am jo uoilipuoo Jo/pug anign am '01 sr SUOISSiuto 10 `JO suoilgluasazda.usiun (Al) 10 `.uoilguutapuoo 3O nail ui OMB/Co/WOO (iii) :Auadold OM 3o i.zed Aug Jo tT jo 211i31g1 Jagio 10 uouguutapuoo (n) (uuado1d aqi `3o uotlotulsap 10 `01 a2gutep (i) :JoJ (S uoiloas ui paquosap sag1anoo aqi Japan pied spaaooid aoug1nsui uggi Jag1o) Surd pzitjl Aug Sq pied spaaooid 10 `sagutgp jo p11 Mg `luatta111as `uoilesuadutoo fug sugatu „spaaaold snoaugilaastyt,j„ (I) uoiloas ui paquosap aJg 114141 suzali asotll sugauz „small Moaasg„ (g) SJajsUBJ1 asnoVuinaio palguWOing pug `s1ajsug1l a1!M `auogdala1 .iq palgiliui &lop ing1 `suopogsu1J1 auigogul 'anal palgutoing `slajsugzl ajgs jo -luiod `01 paliuni 1ou si inq `sapnlout tuJal gons •lun000g ug iipa1O 10 ligap 01 uoiiniiisui igiougug a azuotling 10 `lotulsui 'Japmm 01 sg os adgi oilauSgut 10 `Jalndutoo luaw 1sui oplogdaial Iguiuual oiuo1loaja ug q &no1g1 palgiliui si goppn luaunuisut Jadgd .reliutis 10 `13gJp `3Ioago Aq palgui2!JO uoiloesug1l a tugtp Jaglo `spunj Jo JaJsugll Aug MOW „aaJsuBJI spung aiuotpajd„ (p) •uoilgziugato "mum 10 uoilgioossg sJaumoatuoq `uotigtoossg utniunuopuoo g Aq ii1JadoJd alp 10 10M011011 uo pasodurt aJe legs saaJggo Jaglo pug sluatussassg `saaj `sanp IIe sugatu „sluat.ussassV pu>' `slag 'sang uompossd Amununuoa„ (I) •suoiuido Tempt ajgglgadde -uou `pug alggoijddg IF sg Ilam sg (Mg1 jo lollja 0141 angq iggl) siapio pug saitu anugzlsiuiutpt: pug saouguipto `suoilein2a1 `sainlgls woo' pug awls Imam alggonddg 2utlj0Jluoo Iig sugatu „MUI alquaijddy„ (H) 0 s�eiliul [Ajtoads] (s)Jag11p Fri Jam luatuked AlviaaMig Japc�I SITIE4 b Japtg 1uauudolanaQ Bull Paid Japi2l atuog puooas Japill tuntuiutopuo3 9L 1 Z eBed Moo) (AM)9 JaPI I VA Japig uootjgg JPpi2I a1g?I ajgglsnfpd [ajggoijddg sg xoq 1oago] JaMOJJOg ,iq painoaxa aq 01 OM saapig 2 uimoiio3 aqi •Jamo1JOg Xq painoaxa alg Rip luautfIlsul Animas spp 01 s1apt21 ne strum „saap!J„ (9) Isamu! snjd luamt uisul Iilunoas spit Japan anp stuns nu pug `alol i aqi Japan anp sa3Jggo alga pug saJggo luauu/igdaid Niue `1sa1alui snjd `aloN alp ,iq paouapina Nap alp stream „uuo7„ (3) Apado ud 0141 ui s1g2i2I Jo JajsUEJJ,„ &uipgaq 0141 Japan Molaq paquosap Si Imp iC1Jado1d am small AvadoJd„ (a) I80Z 'I fiPW uggl Jamgl IOU mg ui lgap aql ,igd 01 pug sluatuIigd aipouad ui Nap sup Agd 01 pasiutoid sgq JaMOJJOg •lsazalui snid 00 0017 091$ 'S•n) sIg 001 /OU pUP paJpunH JnoH puPSnoul /CI; LH p8JpunH au0 Japuo l samo Jamouog 1em salgls oloM atlI I OOZ £Z L,lay palgp pug JoMollog ,ig pau2is alou AJossiuuoid 0141 sugauu „a;oj j„ (a) •luatuJtulsul I lunoaS spp Japun aa2g21JODU 0141 si Japuarl IOOZ8 AM auuaA'aL{O any fiaJPO OZOZ si ssOJppg s,Japuf 075;7.1-11;11 'j L) J 0 321 (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 Teton [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Lot 95 of Nordic Ranches Division No. 7, Lincoln County, Wyoming, according to the plat filed May 8, 1996, Instrument No. 819461, Plat No. 311E. Parcel ID Number: 36192620017400 which currently has the address of 274 Bridal Trail Drive [Street] Alpine [City] Wyoming 83024 [Zip Code] "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 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 ANDERSON.J.A. 1012537 -61WY) (0005) Initials: 9,212../ Page 3 of 15 Form 3051 1/01 L0 /1 LBO£ Wioi �zc 9lioge6ed IB000) (AM)9 LCSZIOI •d•C'N0SN3oNv siunoum aIri `argeAed aaanm pus uagm 'Apaaaip ,igd ins aamoaaog `aaniem nons jo ivana all ul •2uppm ui aq Aruo Amu aaniem gans Iiuy 'amp Niue re swan mama Hu JO Aug aoj spun, iapua' of /fed o1 uouairgo s,a0m01a0g anism Asti aapuaJ •sulall moaosa HE ao Niue ioj spun, all /igd of uopango s,aamoaaog sanrem aapuarl ssarun small mama aoj spun, all aopual /red rims aamoaaog •uoilaas sill aapun pied aq 01 slunoure o saail0u LIE aapuoi 01 gstuanj iipduioid puns aamoaaog mall moaasa 'au aq Hugs sluauissasse pue saaj `sanp nons pug `aamoaaog pamoaosa aq 'Sum 3i `sluaulssassd pue `saa, `sang uopepossy iiliunuiuioa Imp annbai Amu aapual `ueo1 alp jo uuai am $uunp amp Aug ig .io uopgui;1uo 1d „'nuamI moiasg„ pain° an sum! asanl, '0! uopoas Jo suoisinoad all 14pim oouepa000s u! suiniuia.id aoueansur a5g2uoyx jo luauged all jo nap ui aapuai 01 aamoaaog iiq aigeiied sums ,111E JO que 3i `suiniuiaid aoueansul a2e2lioyy (p) pus :S uoiloas aapun iapuarl Aq paambaa 0oueansui ris pue Sias 003 sumiuiaad (o) :Aug J! 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El! 01 aoipnfaad ao aapunaaan sup/ /Cue JO aaniem inoglim `luaaano ueo'I ali $upq o1 luaioi ivauaud reined JO 1u011.1ad SUE id000g SEM aapual •ivaaana ueoa am 2upq of 111apIJ3nsu! aae swam/Cud 7i1red 10 iu0111SEd all 3i ivauaed rup.red JO luaul'ied Iiue trim.' Muni aapua7 •S! uopaas 111 suoislnoad aailou all llim aouepaoaoe ui 10411107 rig paleuaisap aq Muni se uopeooi aagi0 irons 1e a0 010N 01.l ui paleaisap u0psaoi am re pmnl0oaa uagm aapuaa diq pant0oaa pauloop 0ae siu0ui1ied •IOJsumi, spun, oluoalaara (p) JO :Alpua JO `ifiiisluaru ulsui `1iouae rgaapa3 ,iq paansui an siisodap asolm uopnlpsui ue uodn umeap s! pap irons Aue papinoad groan° s,aaigssa a0 Nia0143 s,0aansgaai `)1aa14o xueq 'vary popllaaa (o) `.aapao /Carlow (q) :Irsgo (e) :aapua7 paloa1as se `suu03 2u!moi103 0141 o arm 10 auo 111 0415111 aq ivaunuisul Xipnoas sill pug a1ON an1 aapun anp swam/Cud luanbasgns i7 .10 ifus le aambaa Diem aapuo7 `piedun aapu07 01 pauaniaa s! ivauituisul ,ilpnoas �j. ia7r1 due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan 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 required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the ANDERSON,J.A. 1012537 6(WY) (0005) Page 5 of 15 Initials: 323 Form 3051 1/01 I. 0/ LBOE wiol PZE s�eiaiut 9 L 40 g aBed (9000) (AM)9-11S) LESZIOI 'd'C'NOSU ONV qq `anp uagf lou JO zaglagm `1uau11u1su1 Sipnoas s1 p iiq patinas sums alp of pajddu aq TIeis spaaoold aourinsui am `pauassal aq mom Slunoas s,1apua-I z0 algtsra3 iiiluaiuzouoaa fou si Budge .to uopriolsai am .n •zamonog jo uol aggo olos agi aq tie 'is pue spaaoozd aouelnsuI am jo in0 pied aq iou delis 1omo11og (q pauiulai `saillyd p.mp Jaglo JO `sialsnfpe oilgnd .ioj saad •spaaooid lions uo sgutuiva 10 isaialui Sue 1M11 og gird of pazinbaz aq lou Hugs 1apua-I `spaaoozd aoue1nsui lions uo pied aq o1 Isamu! saiinbai Me l aiquoiiddd 1O 2ui1uM ui apeul si fuauraai2e uu ssaiun •pafaiduzoo s1 3IzoM agf Se sfuaul&ed ssaaoid jo sauas r ui Jo fuaul&ed alguis u ui uopeiolsaz pull siiedai am .ol spaaoozd aszngstp Seut iapual •,Clfdulold ua34efzapun aq hells uopoadsui lions fegl paptno1d `uououjsilus s,iapua-i of palalduloo uaaq sell 31.10M am alnsuo 01 Alladold gaps 1Oadsui of Aliunizoddo ue pug sell lapua-1 !pun spaaooid aouuinsui lions P1og of 14Wi1 am aneg Iiegs zapuaj `pouad uopelolsal pue iiedaz'ions 2uunu •pauassal lou st iilunoas s,zapuO'l pue aigiseaj ATlroiulouom si zieda1 U011E101sai aql 3i `Suadozd a4l jo liedal so uoilulolsaz o1 pailddu aq iiugs `lapual Sq pazinbaz sum gouulnsui 2up i1apun am IOU 10 zaglagm `spaaoozd aoueznsui Niue '5u11uM U gal& asimua410 lamofog pue .apua- ssalun •10M0110g Sq Spduiozd apuul fou li ssoi jo pond a3luuz Slum 1apu0 •zapuai pur 1at11u0 OOUeznSUI 041 01 OOIIOU 1dUIOJd 0ni$ hugs zaMOZZOg `ssoi Jo piano agf ul •aaSed ssoi leuopIppe ue se 10 /pue 002E21.10111 se lapug•l auzeu imp pull asneio a3u5i1oul pzepuuls u apnlou' Bugs ,Cotlod lions `,Cuodold 041 `Jo uopolulsap zo `01 aeurep 10j `lapua-1 Sq pazmbaz as!MZaglo fou `a$ezanoo aouelnsu4 jo uuo3 Cue suielgo 1aMOZZOg 3i •saonou IuMauaz pue sumnuazd pied jo sldia0al Iie zapua'l ,iifdulold Hugs 1aMOlOg `sazinbaz lapua-1 3l •saleognzao lemma' pue sapiiod agf Noll 01 114i1 041 0ne4 imp 1apua-1 •aaSed ssoi'euopIppe UR se 10 /pue 00 E 11ou1 Se lapuarl gum iiugs pue `asnulo aE511oU1 impels a apnloui 'lugs `saioilod lions anozddesip o1 145!1 s,lapuaJ 01 lOafgns aq Bugs saioilod lions 3o siuMaua1 pull zapua'l pazmbai sapllod aOUelnsui lid •fuatu ed 2uilsanb01 IOMOIIOg 01 10pu0' moz3 aOifou uodn `1sa10fui 'ions 41iM `algeked aq 1e4s pue luaulas1ngsip 3o alup 041 wag O1r1 aloN a41 le isazalut nag HET s1UU0U1e asagl, •luaunuisui Slunoas si41 ICq paznOas zaMOZZOg jo Nap ieuoilippe aumooaq hugs S uotloas si141 zapun lapua-i iiq pasingsip siunoU.re STINT •pauie1go aneg P1noo 1amozzog lu aour1nsu1 Jo Ism am paaoxa ApueO1jpais 142p1 pauiuigo os au1an00 a0ue1nsut am 3o isoO alp le41 sapaJMOu3pe zaMOZZOg •1oajja ui iflsnoinazd SEM Ueg1 02elan0O IOSSOI JO 101r0a 0pin0ld 11451uz pue A1 qe4 10 pzuzeg '3Is11 Cur lsutae `iilladold am Jo slualuo) am 10 `iC11gdo1d 0141 Ui Alinba s,Jamolzog `19MOIIOH 1001ozd 10U 142iU1 JO 1 1121tu inq `1apuarl _moo Hells au1an0O 'ions `01Ola1agl, JO lunotur so adiif leinouzud Cu r asetpind 01 uoilailgo ou .apun s! zapua-I •asuadxa s,10MO11Og pum uoildo s,1apua-I i `auzanoo a)ur1nsui uielQo Diem lapu0' `9noge paquosap s0ge1an0o a141 30 ,fur uiuluium o1 sJie3 1amozlog 3I •1am0110 uoifoafgo ue U1011. 5uillnsaz uopeuiuualap auoz pooT3 Slue Jo Mainal am gfim uoii0auuoo Ui Rolla y luauzauuejAI Soua2laulg relap93 am Aq pasoduli saaj Niue Jo luatuSed agf 10J algisuodsaz aq osiu IIe4s 19MO11Og •uojluOijilzao z0 uoiluuiuualap 'ions 1oa33u 1 uI Sigeuoseal 14014m mom saur4O 'mulls JO autddeulal aunt goea saalemO fuanbasgns pue saoinl9s uoile0i311zaO pue uoUeuiluzOIOp auoz pooh 103 amp 011111 -auo a (q) 10 :saoivas 2uppuzf pur uoile3ililzao `uollruiuualap auoz poo13 1o; amp OuIi1 -auo a (e) :Tamp `ueo-i s141 141!M uoil0auuoO ui gird 01 19MO11og agnbal Arm zapuo' Siquuosuoiun pasp.axa aq 1ou iirgs pp/ goi4M `aoiogo s,19MO11Og ano1ddesip Ol 1g$u s,1apua' 01 loafgns 10MO1ZOg uasogO aq Hugs 00ue1nsui am 3uipinold zaizzeo ooue.nsui ata UEO'l 0141 Jo uual alp 5uunp amp ueo saOUaluas &ulpaoazd am 01 1Urns1nd saimbai lapua-1 1e1Im sazinbaz 1apu0l 1 spouad a14f 103 pue (slang' algilonpap 2utpnIOut) sfunoure am U4 pauieluieum aq Hugs a0ur1nsul stay •aourznsui sazinbaz lapuarl 14 4M .oj `spoof pue sa3lunbg lea 'O1 pawn!! loll inq `2uipnpui spinet' 10410 Slue pull „`arJanoo papuafxa„ uz1a1 0141 ui41JM papnpu4 swung 'am ssoi 1smar palnsui ,illado1d 041 uo pal0ala 1agea1a4 10 Sulistx0 Mou sluaUZanolduli 041 daa31 Hr4s zaMOlzog •a0ue.msuI ,ilaadOJd 'S •ueo'1 sig1414M uo410auuo0 u1.9puarl Sq pasn oopuas 2uillodal 10 /pull uopeoi;u0n xe1 alelsa Ie01 a 103 amp au1'l -auo a Aud 01 zaMOlzog al!nbal Seu1 zapuarl j uoIIOas si41 ut 0A0ge 111103 las suoil0e 04130 01011 JO auo 03'r110 UOII am A3stles Hells 1OMOZZOg `U0n4S si 90110111r141 uo afep agf 3o s1Cep 0i utgl4M •U0i1 325 the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. S. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and /or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and /or assessing the value of the Property, and securing and /or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable ANDERSON,J.A. 1012537 -6(WY) (0005) Initials: A Page 7 of 15 Form 3051 1/01 LO /L L9O£ ULOj op 190001 (AM)9- 9C n siemul Y 9 eBed LSSZIOI 'V'P'NOSIJONV •punjaa fug 01 aaMoaaog ample Iou ma Amp pug 'eaue msuI ag1Slaow ao3 aMO IIIM aaMOaaog lunotue all aseaaaut lou 1IIM sluauraaage cans •ueo' aq3 Jo suual aaglo ao 'aatnunsuI aSe2proy&l ao� fed o1 paauag seq as tnonog lggl slunotug a 1aa33e )ou IIInn sluatuaaige gang sud (11) :laming „•a0ue .'nsula.' °Addeo„ pauual nano s1 luatua$traur atI `aamsul ati of ptrd sutnuzrazd am Jo amp r .'03 aurtpxa u1 3Isu s,zaznsu1 am Jo antis r swirl .'apuari Jo alaili3Je Ue rem Sap1AO .'d 1uauWaa.J5e was 3T •sassol gutOnpa .'.to `gist.' s, .'a .'nsul agauotu aLil 2upippour z0 2ut.'ggs ioJ a2ustiaxa u1 `aourinsui aMu0J .zoj sluaur1ird s,zamozzog jo uoluod r (sr pazualorzrego aq 1421u1 .'o) tuozs aA1 .'ap rem slunoure (iipoaiiput .'o XTloanp) aAlaOaz Amu Iuiaa1oj am jo Cue jo alequIr Niue .to `Alpo zaglo ,Cur `.'a.'nsula.' litre .'a .'nsui'aglour `a1oN am jo zasggo .'nd Aug `.1apua-I `sluatuaadr asagl jo lino' g sy •(surnituazd °our .'nsul a2r3uop mo.z3 paurelgo spunj apnpul Firm tiamm) aigeilene °Aril dim ia.msul aim uour am rem spunj jo aomos Sur 2utsn sluam/cud aN0W of zaznsut a2r21zotu am a.'tnb°.' limn sluauraaz$e °sags, •s2Uauraa .'$r asatl 01 (saiurd zo) /curd zaglo ag1 pur Jamsul a212110ur am 01 A.1010gjs11gS azr lrgl suompuoo pur suuai uo are s1Uatua° .'2g °sags, •sassol aonpa.' JO `xslz 1! 11 Appoul z0 almS 1E111 Salund zai2o t11m sluautaa .'$r op! lama Amur pie `au 01 au tuo .'1 a0 .'o3 u1 a3Ueznsul Lions IIe uo )Isu idol .nag1 alenlgna s .'a .'nsut a2r2uoinl •aourznsul a2r2uoyAl ag1 01 /curd u Iou Si zam0zzog •paaffu sr ueo-1 aq1 1igdaz Iou saop .'amo .'log 3i .moil Amu 1t sassol uiruao zoj (aloN agl sasegomd rem klt2Ua Sur .'o) .'apua sas .'nqunaz °ouemsui at •010N am u1 papinozd ale.' atl Ili 1sa .'amu1 /Cud o1 uollaiigo S,.'°moz .'og moo pT uolloas stip ut &uigloN •mr' aiggotiddy ,iq pazmbaz si u0tlgu !pun zo uollruluual lions zoj 2u1ptno .'d .'apuaq pug 10m0zz0g U°°M1aq luatuaazge Ua11uM Niue gllm aourpz000r u1 spua aourznsuj a2r51Jow .'o3 luaura.'inbaz s, .'apuxi Ttlun `°Alas°.' ssoi aigeputgaz -uou r aptno .'d o1 10 1040 u1 aoue.'nsul a2r21.1oyil ure1Uretu of pa .'tnbaz surnlutazd am 'cud Ilrgs zamo .'log `a0Urznsui a2g21.1ow .'0j sutnituazd am pzem0l sluatuArd palguaisap ,CI°1eredas axgtu 01 pa .'tuba.' sum zam0 .'0g pur ur0'T ag1 5uDirul Jo uo111pu00 r se aourmsui a2r2u0ysl pa .'inbaz zapuai 3i •aoueznsui a3g31Joj zoj sum atI pzgmol sluatuArd paleudisap Aialezgdas sazmbaz zapuari pur `paurelgo st `aigeltrnr satruooaq mar zapua- Aq paloalas zaznsut ire iiq paptnozd (sazmbaz .'apua-I rem poizad ag1 10j pie lunotur am in) au .'ano0 aoueznsui a2r2uow Jt s3UatuXud anima' ssol a.'mba .'aguol ou UBO 1 3 Ua •an.'asa.' ssol tons uo aunuea 10 Isazalu! Aur .'am0zzog /Cud 01 pazinba.' aq iou Tints .'apuai pun `lint Ut pied Slaleun3Tn st uro' atl Ietp loeJ am 5uipuelstltmlou `algrpunjaz -uou aq 1199 °nasal ssoJ tons •aourznsui aRaum jo nail u1 anzasa.' SSOI aigepunJaz -uou g sr sluaur1ird asag1 utelat pue asn IdaoOr TIIm zapuari •10ajja ui aq o1 paseao a2r .'anoo aourinsut ag1 ua1M anp a .'am legs sluatuied paluaIsap ,iTalezedas am Jo Iunotur aq1 .'apual o1 ,led o1 anulluoo netts zamo .'z0g `aigrltrne Iou s1 air .'anoo a0urznsul a2e21.101t luairAmba Airet1UrlsgnS 3i •.'apuai Aq paloaTas zaznsut a2g3uour aletua1TI tie tuoJj 'raga u1 i(Tsnotnazd aourznsui a2g5uow am 3o zam0.'zog 01 1SO0 ag1 0l luarentnba JIIrllurlsgns 1s00 a 1r 'papa u1 Slsno1Aa .'d aaue .'nsuI a5r21.101/1 am 01 IuairAlnba Airetlurlsgns arz0n00 urelgo 01 pannbaz stunnua .'d agl ,igd iiggs zam0zzog `aoUr .'nsui a3e21 .'0V1 .'03 surnnua .'d am pzeM01 sluaur&ed palru2Isap 1 Jale.'rdas a)reut o1 pannbaz sum zamo .'0g pur a0uemsut tons paptnozd Aisnoinazd 1eg1 .'amsul a2R2uout am mug aigrilene aq 01 sasrao zapua-I ,iq pa .'Inba.' aezan00 aourmsuI a2r21zo1Al am `unseat Sur .'oj `3I •1oajja Ut °our .'nsuI a2au0JA all ure1Ut8U1 01 pa .'tnbaz surntura .'d aq1 gird Tints zamoz .'og `ueoi am Nui)lrur Jo uo111puoo r sr aouemsui a2g$IzoyAl pannba.' zapuai 11 •aatnunsuj aggglaoy4I •pi 2utllzm UI Ja$zatu am 01 saaI51 .'apua i ssalun Amp 1ou I[rts aim aaj ag1 pur Notional am quado .'d am 01 aim aaj sazmbor zamouog 3i °seal am Jo suOlsinozd alp IT 141!M 1fldutoo hugs zamozzog `p3OLiasra3 g uo s1 IUatunrISUl 1illznoas SILi1 3I luatuArd 2ullsanbaz .'aMOZZOg o1 zapua1 ur0 .'u 0011ou uodn `lsazalut gnus film `ajgrSed aq Togs pur luauraszngstp Jo alrp am utoz3 am a1oN amt 1e Isazalut nag Imre slunotur °sags, •luauttulsul iillznoas SIg1 Aq pa /nom zaMO.' .'og 3o Igap jeu0l33Ppe aurooaq tigts 6 UOtloas slgl lapin zapuaq paszngslp slunoure Auy 6 uolloas Slgl °pun pazUotlne suoilor lie .'o Sur 2up el Iou .'oj i1!Tlgeli ou &moil zapua'I legs !mar s1 1I •09 op 01 uopaITgo 10 knp Aug zapun Iou Si pug os op 01 anti Iou saop zapua-T `6 mums sell °pun uollor a)Tg1 Amu zapua-I tgnOglid '330 .'o 110 patunl sat °net pur `suolllpuoo snO .'aSUep .'o suoileloin apo0 Jam() JO 5ulplmq ampulla `sadld wog zalrm uiezp `smopuim pur s loop do pzroq .10 aoeldaz `5)I00T aurt0 `szreda.' oval 01 iivado .'d am 2uualua `01 palltuil Iou sT lnq `sapnpui Auado .'d atll 2ulzn0as •Vuipaa0OZd iioldn.uIueq a u1 uonisod pa .'n0as s11 2uipn3OUi luaurtulsul iiltanoas sits °pun s1qu zo/pur fuad0zd am Ui Isa .'alit s1i 10a10zd o1 saaj siiatuone ANDERSON,J.A. 1012537 -6(WY) f0005) c -a 327 (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. Initials: I av Page 9 of 15 Form 3051 1/01 L0 /L L 20 LumA o e6ed ssisMul •luaumzlsul ,illznoas sup zapun luautazmbaz 2uipuodsazzoo am AJspes ipm luaurazmbaz Awl ajgeoijddy agl 'mel ajgeoijddy zapun paztnbaz osle s! luaurnzlsul Aliznoas sup ,iq paztnbaz aojlou Aue 31 •zapual fig paniaoaz AHunlou II1un zapuarl 01 uan!V uaaq anuq o1 patuaap aq 1Ou 'lugs luatunzlsul Allznoas sup gljm uojloauuoo ui aojlou Auy •zamozzog o1 aojlou Aq ssazppu zaglouz paluu2jsap oq zapual ssajun uiazag palms ssazppu s,zapuai o1 pm solo log Aq 1! 2uiliutu iCq .10 1j 2utzanllap iiq uani$ aq Hugs zapuarl 01 aojlou amp auo Sur le luaumzlsul 'Cliznoas sup zapun ssazppu aajlou paluu5Isap auo /quo aq Amu azagL •aznpaoozd pat Toads 1ug1 g2nozgl ssazppu 3o amp u uodaz Alm Hugs zamozzog uagl `ssazppu 3o amp szamozzog 2uiuodaz zoj aznpaoozd u satjIoads zapua'l u •ssazppu 3o a2trego szamozzog 3o zapuai Apou Apdtuozd jjugs zamozzog •zapua-I o1 aojlou Xq ssazppu aollou alnlilsgns u paluaisap oq zamozzog ssajun ssazppy Iivadozd aql aq hugs ssazppu aojlou aqd, •asimzaglo saztnbaz Ajssazdxa me-1 ajquoilddy ssalun szamozzog 11g 01 aollou alnl hugs zamozzog auo Au 01 aotloN 'stream zag10 Aq luas 1i ssazppu aollou szamozzog o1 pazanijap ,CHunlou uagm zo pear sop 1szt3 paJuur uagm zamozzog o1 uanl5 wag °Avg 01 patuaap aq uegs luatunzlsUI klunoas sup gltm uolloauuoo ut zamozzog o1 aojlou Auy •5utljzm ut aq mum luaturulsul Iillznoas sup grim u0lloauuoo ui zapuaJ zo zamozzog Aq uant2 saojlou Iiy •saaooN •sT •a2ze110z0n0 wits Jo 1no 2uispr anug 1g2pu zamozzog aollou Jo 1112lz Sur 3o zaniem u ainljlsuoo 'pm zamozzog o1 1uaurAud loazip Aq apuui puma.' gons Aug 3o 03ue1d3o0e s,zam0zz0g °(a10N agl zapun zoj papinozd sI azugo maul/Maid e lou z0 zaglagm) azega luauaedazd Cu e 1nogljm lust -u 1tdazd mind a se paluazl aq ipm uojlonpaz aq1 `judiouud saonpaz puma' a 31 •zamozzog 01 1t-1 w'iud loaztp E &upmur Aq zo a1oN ag1 zapun pamo jedioutzd am 2tttonpaz punjaz sup a>jeuW 01 asoogo Cum zapua-1 •zamozzog o1 papunjaz aq Ijtm slum' pallnuzad papaaoxa goigm zamozzog urozg. paloalloo Spuazju sums Aim (q) pue :hull paunuzad am 01 aim aql aonpaz 01 £Czussaoau lunouzu am Act paonpaz aq Hells azugo moo' qons Sur (e) :uag1 `sllunl pallnuzad aq1 paaoxa aeon aql 111im 110j13a1T1100 uI paloalloo aq o1 z0 paloalloo sazugo uuol zaglo zo ma'am! am 1eg1 os palazdzalui Alluul3 sI muI Imp pue `sa5zugo uu0l urnurixutu seas gotgm mu' u 01 loafgns sI uu0.1 ag13I •mij ajquoijddy Aq JO luaurnzlsul Sipnoas sup Aq paltgigozd Alssazdxa am imp saa3 amp lou firm zapua-1 •aaj gons Jo 5ut i qo am uo uojllglgozd a sr panzlsuoo aq 10u llegs zamozzog o1 aa3 °toads u amp 01 luaumzlsul 'illznoas sup ui iClizotllnu ssazdxa 3o aouasqu aq1 `saa3 zaglo Atm 01 pzu2a1 ul •saa3 u0ilunlen puu uooadsui Spacial(' `saa3 ,sJCauzollu `01 palluzll 1011 mg `�ulpnjoui 'luatunzlsul'1lznoas sup zapun s1g2u puu am uI lsazalul s,zapua'l 2uiloalozd Jo asodznd am z0J ljnujap s,zam0zz0g gum uotloatmoo ut pauuojzad saoinzas zoj 9033 zamozzog amp Amu zapuarl •saanq° um/ •bi •zapuarl Jo saiso puu szossaoons am luauaq puu (0Z u0lloas uI papinozd se ldaoxa) puiq hugs luatunzlsul Allmon sup Jo sluatuaaau puu sluuuanoo ags �uilum ui amp.' tjons 01 saade zapual ssajun luaumzlsul Allmon sup zapun XIIIIquIj puu suollaIlgo szamozzog wag pomp.' aq 1ou jjugs zamozzog ivaumzlsul 'iljznoas sup zapun sl!Jauaq pue slq41 s,zam0zzog JO Hu uiulgo Bugs `zapua -1 Aq panozddu si pue `2ullizm ui luatunzlsul ,iliznoas sup zapun suoilaijgo szamozzog saurnssu ogm zamozzog Jo lsazalul ui zossaoons Aim '81 uoiloas Jo suoisinozd am 01 loafgns •luasuoo s,aauVis -oa am 1n0tl1lm aloN atjl z0 luatunzlsul iiljznoas sup Jo suual alp 01 pzaaz 111TM SUOT1upOUJUI000e 1)1111 wletu 10 maw ipotu 'puma 01 mar Imo zamozzog zaglo Niue pue zapua-1 1eg1 900z2u (3) pue :luatunzlsul iilpnoas sup Act paznoas stuns alp kud o1 palailgo Slluuoszad 1011 sj (q) :luaumzlsul JClunoas sup 3o suual ag1 zapun filmdozd am uI lsazalul s,zauSIs -oo am Ifanuoo puu `a2u2p0ur o1 iiluo luatutulsul Altznoas sup 2uiu8js -oo si (e) „zauVis -oo„ u) a10f aq1 alnoaxa 1ou saop lnq luaumzlsul Iiljznoas sup sugjs -oo ogm zamozzog ifue `zanamoH •lezanas pue lujof aq hugs Aliliquij put: suouaijgo szamozzog mm mar par Slueuanoo zamozzog •punog sarssy pun sa0ssaaans :saauais -op :Slilignrl Inaanas pun luiof •£I •Apatuoi JO 1q5!.1 Alm 3o asiozaxa agl apnjoazd JO JO zanium u aq 1ou Hells `anp uagl lunotuu am uugl ssaj sumo= uI JO zamozzog 3o Isazalu' ui szossaoons JO sautlua `suoszad pzigl uroz3 sluatuAud Jo aoueldaoou s,zapual `uotleliuzjj lnoglim `51ipnjout /pautaz 10 ltWiz uistozaxa ui zapual aotrezuagzoj Auy •zamozzog Jo lsazalul ui szossaoons nitre JO zamozzog juui2izo alp ,iq apum puuurap Niue Jo uooaz iiq luaumzlsuj Altznoas sup paznoas sums ag1 Jo u0jlezilzoutu Ijipotu asimzagl0 JO 111011tiiud zoj,auril puma 01 asnjaz 01 zo zamozzog JO 1s010111l 11I zossaoons Sur Isutau dutpaaoozd aouatuumo 01 paztnbaz aq 1ou hugs •zamozzog 3o lsazalul 111 szossaoons SITE JO zamozzog JO ii1THqull am aoajaz 01 a1zzad0 1ou hugs zamozzog 3o lsazalul ui zossaoons Sur z0 zamozzog o1 zapua-i Aq paluea luaurnzlsul 'C1lznoas sup ,iq paznoas stuns ag13o uoilezpoute 3o uopuot ;Ipour JO 1uauzAud zoj atoll am Jo uotsualxg •aaninM a loN aapua7 ,fg aaunanagaog :pastalag loll aanAoaa0g •Zi 8zE (9000) (AM)9 LESZIOI 'd'C'NOaHONV u, J 329 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 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 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 ANDERSON,J.A. 1012537 -6(WY) (0005) Initials: Page 11 of 15 Form 3051 1 /01 L0 /L LGOE WJOA 0P'E rt 9 L 4 Z t aBed (9000) (AM)9- ezp LSSZTOT 'd•C'NO9i3ONV •dnusal3 IEluatuuolinug us 103 lapual uo uoilsSilgo Aus 015013 hags utalaq guupoN MW1 I11luauruoltnug 141im aaugpioaas ui sumps Istpaura1 Alussaoau IIe alei Apduioid Iltigs 13Mo11og `Ai ssaaau si Suado.id alp 2uiloa33e aoueisgns snopi zeH Atrt jo uoil11ipatual 1ag10 1o 'En ma' Niue 10141 `Auad aisAud Sus 10 `Aluotgnt £ioleingai so IEluaIUUIano5 ,iue Sq papiiou si 10 'sumo' 1amo11og 3I •Auadold ag1jo anlsn am maps Slaslanpu gaigM aouuisgns snoplIZZH 11 jo asEajal 10 asn `aouasaid agi Aq posns° uoptpuoo Aus (0) pus `aousisgns snoplrzRH Pius jo assalal 3 2Ea1tI1 so 05501101 `a2.regosip `gupleal Tuillids iius `01 painutl IOU inq 2uipnjOUt `uoilipuoJ IaluaUIUolinug Niue (q) `a3palmou31 mum sag 1amo11og goigm jo m117 Ialuauruoltnug 10 aousisgns snoplazBH Pius pus Suadold 0141 2U1AJOAui Ausd a1EAud so Aouah £.zo111Inga1 10 Ia1uaunuaAO2 AUE uoilou .1101410 io linsmal `puma') `lump `110I1E2i1s3nui SUE (E) JO 33110U u311t1M 1apua-I ani5 Ajidurold hags 10mo11og •(sianpoid 10uznsuoo ut saausisgns snoplezeg `01 palt11ttl iou lug Tutpnloui) ifuadold agl jo aausuait1t Ut 01 pus sasn Isiluapisal puuou of alsudoiddd aq of paziu3o3al Allsiauag an imp saouslsgns snoplezeH jo sa1u1usnb 'mum jo Suadold agi uo a2u1ols 10 `asn `aouasaid aqi of Aldd11 iou Hugs sazuaivas oMl 2uipaO0ld 0141 •Auadoid 014130 ammn am slo033s Alas1anpe 2Eg1 uoilipuoO s salea1O `aouEisgns snop1EZEH jo assajal 10 `asn `aouasald 0141 0l anp `14ot14M (0) 10 `uOillpUOD IE1uaUnrol1AUg us somata ip!gm (q) `ME'I IsluaUTU011AUg ATE JO u0t111lotn ui Si 1eg1 (s) Alladold all 2ui1oa33s 2uigl,ius `op of asp auo,ius molls IOU `op 10U hugs 1amo11og •iivadold am III 10 110 `S OUElSgns Snop1EZEH Atm amp.' of uaisalgl 1O `saauslsgns snoplezeH iiue 30 assalal 10 `a2sJois IESOdsip `asn `aouasaid at i liuuad 10 asnsO 1011 Ilegs aamonog •dnusalj IEluatuuolinug us 10ggi11 astm.a1410 10 `01 0ingpiuoo `asnsO uEa 1Eg1 uoilipuoo e susaur „uoilipuoJ Ieluatuuoltnug„ uE (p) pus `.MW'I IE1Uaumoltnug U1 pauipap 511 'U011M I11n0U1O1 s0 `110110E I11ipawa' 'Imps asuodsai Niue sapnlout „dnusaJD Isluatuuoltnug„ (0) :uoiioaiold IEivatuuolinua 10 /clans `gllsaq 01 alslai ism paiso0l st Alladold alp a1aTM uoilaipsunf am JO &AEI pus mu' IE.iapaJ STEaur „ME Isluauruounug„ (q) `SIEpaisUI anpOSOtps1 FOE `apiitaplsuuo3 so soisagss guiuisluoO slsilalsur `sluanlos alilslon `sapioiglaq pus sapiOiisad Oixoi `sionpozd umaloziad 0[x01 .10 alqutuurep 101410 `auasolXI `augoss2 :saousisgns 5utMolio3 am pus Marl Isivatuuolinug saisuM 10 `S1uRlnllod `saou11TSgns SnopluzE1 10 Oixoi se paugap saoueisgns as0141 011 „saousisgns snop111z11H„ (E) :iZ uoiloas sup ui pasn sy •saaueisgns snopasz1H 'TZ '0Z 110 sup jo suoisinold 1101105 anj1001100 01101 01 Altunuoddo put 0011011 a141 iijspes 01 pauraap aq hugs gl uoiloas 01 lUEnslnd 10M011og of UOAT2 UO!11110j000E JO OOj OU 3141 put ZZ uoiloas 01 luunslnd 1amo11og of uantg atmO Ol iiliunuoddo pus u011111ala00s 30 0011011 3111 •gd1113s111d 5p41 jo sasodlnd 1o3 ajg11uossat aq o1 patuaap aq II!M popad at1111 111141 `ua)lel aq ueo 11011011 111111100 alojaq asdula iSnur goigM popad au saptAo1d m11-I algEoilddy 3l 'wpm anpoa11O0 03151 01 00!20U 140115 jo 5utn4$ am 1x1311 popad algetuos11al E 0101014 Sind 1ag10 0141 pap1o33t pus imam pagans lions 30 (SI uoiloas 3o sivatualtnbat o p g1IM aoutildtuoo ui uanp aailou dons gum) iiu11d 101410 0141 pa!Jilou sEg lapuai 10 1amo11og lions Iilun luauttuisul S1i1n0as sup `3o 11051101 Aq pamo Ainp Aug 10 `3o uoisinold Jius pagoualq sBq ,iund 1ag10 0141 ism Sagallu 11181 10 luatutuisul /clumps sill 01 1uEnsind sumps s,Ausd 10110 am mu Sast1E 11111 (ssejo 11 30 lagtuatu all 10 lu112pl 111np!A!pui us 1a11ta sE) uotio11 I11t0ipnf Niue 01 pautof aq 10 `uiof `aouaurutoo Astu lapua'l 1ou 1amo11og 1 agliaN •1asutpind 010114 0141 iiq papinold asIM1a1410 ssalun 1as1114o1nd 010114 all iq patunssu 10U are pus laotnlas 11110' l 1055000115 11 01 pa.uaJsu11i1 aq 10 1°01111°5 UE01 0141 11 M 11111tt101 IIIM 1amo11og o1 suoiltgilgo 2u1Oinlas trEOI agtguotu all `aloN ammo 1as11lpind 0141 1111141 1a110 1a °inlas tteorl 11 iiq pa0tnlas st usol 0141 10131101011 pus plos Si aloN 0 141 3I '211i0iA13S 3O 103SU1111 JO 0011011 11 glim uouoauuoO 11! 5011111)01 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; (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 in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. ANDERSON,J.A. 1012537 -6(WY) (0005) Page 13 of 15 Initials: 331 Form 3051 1/01 6016 L9OE WJOj iamo.uog- lamouog- (isas) iamouog- (i zamo.uog- (isas) l3m 0110g- uosuapuy tar (Ieos) w+P f y�7,Y-7) FA 9 l 1 b L eBed L0SZIOT 'V'C'NOS2:130NV 10M011og- (Teas) (ms) .camoiiog- (isaS) zamoUog- (Teas) 150001 (AM)9 a) sassauatm °1t tpim papiooat ptts 1amofog painoaxa Japr Am ut pus ivatuni sui Suitioas sup ut pauistuoo slusuanoo pus stu m aql 01 saade pue sldaooe .tamolog `MO'1 H ONINOIS AEI c CI V STATE OF WYOMING, The foregoing instrument was acknowledged before me this byJean A. Anderson My Commission Expires: 9/12/03 ANDERSON,J.A. 1012537 Cp-6(WY) (aos) 333 Teton County ss: ail -al Initials: Page 16 of 15 Form 3051 1/01 Z9C1-669 (008) out'tanlaS lvamrooa ((000 )Iaao sNvo1) HA `(000`00i$ 2IUAO SNvo I) os 'Ulm) 11V2A T) T2T '(000'os$ 212A0 sNHo'I) dd (oo/9uo1) `(000'oo£$ 2TiA0 SNIVO) »i (0o0'OSt$ 2IHA0 SNdo'i) otN) 600# dd 112aI11 (s?u. 5-T) aIN lvaUd gINHIM Jamo11og- laMOl1og- (IEaS) (IEaS) iomonOg- 10M011Og- (ieaS) (MS) 10m011Og- 1aMOlzog- (IeaS) (MS) .44∎Yrre ^V •wapm luaul&edaid snit ui pautptuOo suoisinold pup swat oqi of map pup sidaooe 1aM011og `MO'I3g rONINOIS 1�g palnpagas se Slaaalded aCitpuouc luanbasgns lle alma Bits Isnw I 'unman zaglo Cu e QI iuotu(edoid mufti e alma 131 Q1uom ow aura mow on 'mauve oq dew uiom ed dpilaom poinpagos Iron dw jo ojep anp am 'slaaugged dlgluom dm To aloes io ono of [unto iuougedazd Tented a a4em •aoueleq p:diouud piedun aqt jo %Z) taaaiad oral 01 lento lanome ue m ogiego Iuam(edaid a ,ted Re I 'laomAedaid IIn.I oval I laaalnnsai dlunoas aql jo aollnaaxa alp nut (s)zead z oma ism oat up m t j `zanamoH •agzego mawdedald a ded 1011 rum I `(uoilaesaen ales aueiaiu2al `108uol sane au ai) awoq Sal Ilas I n 'aozego Aug guided lnogltns our!) he 1e laamdedaid plued a zo laamdedoid lltti a Mta dew i 'Molaq paptnoid se ldaox3 .ivaaldedoid ladled. a se u&outl si Iediouud piedan aqi jo ued dpuo jo luau1dedazd v fin,, a se miaow' si pgdiouud piedun aql io jIe io taatadedoid d -onp are dagt mom map Aug to lediauud ;o sluam4ed oval 1gag atll aneq I :smouoj se aaae pug laeuanoo 1aquni zapuaj pue 'awn%'mammal *moos 111[1 ai apem slaawaaz8e pue slueaanoo 0111 01 aoiltppe p££ aaull .LNIMAIANdglid aI '&LNVNHAOD ,LN3y1IAdd32Id [ssaJPpd' dtiadoadl */Z0£8 2uTcuo4CM 'auTdTy eATac TTuas TePTag +ILZ :lp paleool pup luawnilsul Alunoa5 aql ui paquosap ,(lladoid aql BuLtanOa pup amp awes aql jo 01 a1ONi s,1oMO11og oinoos of 1oMo11Og„ aqt) pauaisaapun aqt 4(q uant2 atep awes oip jo „tuawnitsul folinaos„ aqt) paau i(tunoas io tsnl jo pact `ageBuol,s aql luawalddns pue puawe o1 pou'o p ag Begs pue otui palezodzoow st pue i 00Z TTady JO Set) P.1EZ Tit apew si 2134CRI ,LN3iNAVd321d SIH,L L£SZTOT :zagwnrl ueo G; tl O WNC600dd a OW RELEASE and WAIVER For good a; d valuable rsicet it•::, the receipt and sufficiency of which is acknowledged, I, Bruce Anderson do hereby forever release and waive all rights under and by virtue of the Homestead Exemption Laws of the State of Wyoming in regard to Lox 95 of Nordic Ranches Division No. 7, Lincoln County, Wyoming, r.,.cordin to that plat filed May 8, i996, Insttumant L'. at 1^. 311E. together :.t all improvements thereon. DATED This 42-747 day of STATE OF M SSO(IO ss. County of Ph/#. The foregoing instrument was acknowledged before me this 01, by Bruce Anderson WTTNESS.my hand and official seal. My Commission expires: 600 335 1 realize that my wife jean A. Anderson has applied to Major Mortgage for a loan in connection with the purchase 9f the said prorerty presently owned by C. Reinhart Son, Inc. and acknowledge that the said Ma.lor Mortgage has relied upon this release and waiver in making the said loan. April XQ 2001 No. 814461, Bruce Anderson Notary Public day of April .9ZZ4 Oi :60 Tav