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HomeMy WebLinkAbout87273910 /I WOE UUOd sMei all zapun 8UUsIXa pue pazrn 8zo zal1a801 IOOZ 81 'IRIdV IOVd 2Id }I.00kI JNI VQ;[,1 I31\19 4,',",. :31\11\1\2131' >18310 AiNnO;) 1\1100N11 03A13d sirnvuI 'IVNI9RI0 bi Jo I aged WOE IA*101 l wxoz ONj $30!A213S d321d3OQ SNI 1111IO3INfl JeI I aippa.',1J J atuued- Iilnued 0 1 2 MS 9NIb1IOAM i£OZ i0 AVIv1I uugl zalui 1011 !IT ut lgap all fed o; puu suuauzAed oipopad zein8az TIT )gap slll .fud of pasnuozd set zaMozzog 'Isamu! snid 00'08S`lli •S'f1) S-retIOQ -00I/00 (INV A1HOId Qd2IQNfIH dAI3 UNVSf1OH L OMI Al NaM L Qd?IQN11H dNO zapual S MO zaMozzog imp Salels aloN al TOOZ 81 'IIlIdV PIE pue zaMozzog iiq pau8is alou ,izossnuozd all suuaum „a ;oig'„ (a) •luauznzpsui 'flunaaS sill zapun aa2u8uouz all st zapun -I tZZO8 OaV2IO'1O0 `113ANau `•3f1N3AV SNVA3 '3 S9S9 si ssazppe s,zapuaj VDRIANIV 30 saIVIS ad.LINf13 11 3o )INVfl 'IVNOI LVN a st zapuaJ 6CLZL9 aDVDkIIOIJ [V,LVa ONIaZI0032I 1103 3NI1 siia atouv aDVds] NI■VU'IVNOLLVN LSIIId AJINfI TIVO3 sr „aapuaZ„ (0) •puaumzpsui 'ilunoas sill zapun z08e81zoui all Si zaMozzog •luauznaop sill 01 szaptg Iie 1p1M paiup sI tonyin `luaumoop sill sueauz „;uauma ;SUI S ;tanaas„ (v) '9i uolloas uI papinozd osiu ate luauznoop sill uI pasn spzoM Jo a8usn all 8utpze8az saint uieua3 •iZ Pm OZ `8i 'ET 'I I `E suopoas ut paugap ate spzoM zallo pug Moiaq paugap azu luauznoop sup Jo suotloas aidipinuz uI pasn spzoM C 4° -7- 777IN 3p tie! 3 S 3StfrI3t NVIN MIII IVPINf1 NV 'TIIUO '2I HdaSOf S! „aaMOaLOg„ (g) SNOI.LINLlaa £01 :'ON 1Vd :'ON 3'I.LLL :'ON M0113S3 S£0£PL9 NVO1 PZZO8 OQV110'IO3 `Eamstaa afNaAV SNVA3 'a S9S9 NNVU 'IVNOLLVN LS2II3 A LINIILIILIIO� :oj, uan ;aj 8uipaoaag aa13V 77 10V4 S39318f► 3a y %�'�8 33S ale aoyN saq y® 9 610913e bO1 ()SW '739 6 5'.) (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Balloon Rider 1 -4 Family Rider Other(s) [specify]: Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Second Home Rider Assumption Rider Inter Vivos Trust Rider (II) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" mean those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. 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. LOAN NO.: 6743035 Initials WYOMING- Single Family -Fannie Mae /Freddie Mac UNIFORM INST MENT Form 3051 1 /01 DOCPREP SERVICES, INC. FORM MTGWY1 -3051 Page 2 of 14 ORIGINAL TO /I WOE Wio3 •Ariodozd lean 2upanoa luauttulsui Arpnaas uuoJiun a alnipsuoo of uotlotpsunf Aq suopepen palnut1 tptm slueuanoo uuoltun -uou pue asn jEuopeu .o1 srueuanoo uuojiun sautquioo .LNakvfnu,SNII AimDas sIH.i, •pzooaz Jo saauezgtunoua Aue o1 laafgns `spuetuap put: suzlela j rsmuSe Apadozd am of airtl otp AIlezaua2 puajap !pm pue slu iiEm iamoaioH •pzooaz jo saauezgtttnaua zoj ldaaxa `pazagtunauaun s! Auado1d atp real pue Apadozd atp Aanuoa pue ruez2 `aSegpour o1 1112!1 alp set( pue pa/ianuoo Agazaq alelsa aul Jo pastas Aun3Mel sl zamozzof Alzadozd„ aul se ruaumursul Artzno s site ut or panajoi sl 2utoazo3 ag1 jo ljV •luatunulsui Arunaas slur Aq pazanoa oq ow pulls suolllppe pue sluauiaae(daz IId •Ariadozd our jo pEd a zapeazau Jo moll saznrxi3 pue `saaueuapndde `sruatuasea jIE pue `iCpadozd alp uo palaaza zapeazaq io mou sruautanozdtui mil LIB H,LIM 113II.LHDO.L :(„ssazppd Arzadozd (.199 [apo d!Z] GZT£8 s uluK a m £0I'1£8TS£ZT :'ON'I3MHVd '1VNI9IH0 PI JO aSed 1SOE-tAAt9114Z Wt1Od 'ON/ $VO1A88S d3Nd3OQ IN I.LSNI 1111103INf1 aey11 alppaa,3/aeyt1 aluue3- ,CInuE3 a I$uIS S[elrlul S£0£1 :'ON NVO'I rear S,LNVNIAOD IILAA011110 L [naavisnal HANG aari.LI'IOS 81Z JO ssazppe 0111 sea Apuazzn° uolum 303H3H .LRIVd V HaVYA] QNV O,132I3H taaHOV,LIV HamIH Gad 39Vd OMI 303H3H .LHVd V aavint QNV 0,13113H aaHDVZZV (S)Har i 3.LVH 3'IgVZSfnfaV '303HaH.L LV'Id'IVIOI33O MI NO Q3gIHOSKQ SV ONIN]OAM `AINI1O0 N'IODNII'I `ZI ,LV'Id HDNVH A3TIVA HV LS 3H1 30 61 .LO'I [uotlatpspn f Sulpioaag,o amem] [uopaipsun f Jmpaoaau ,lo adA,L1 N'IODNI'I JO A.LNII03 IN]AVH.L otp ut palEool Apadozd pagposap 2ulmotio3 our `ales jo zamod twit `su2isse pUE slossaaans s,zapuoi pue 1apua'I or ianuoa pue urea `a2e2rzotu Agazaq saop zamozzoH `asodtnd slur zod •aloN aul pue ruautnzlsuj Ariznaas star zapun smoulaarge pue slueuanoa S,13m011oH 3o aoueuuojzad atp (tt) pile :aroN am jo suotleo tpotu pue suolsuarxa `slemauaz lie pile `ueo1 am jo luaurAudaz aul (I) :zapuoi of sainaas luatunzlsul gill -nags situ, A.L?IadOHd 11J NI S.LH`JRI 30 II33SNVH.L os 7 39 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 payment are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance LOAN NO.: 6743035 Initials 661 WYOMING- Single Family Fannie Mae/Freddie Mac UNIFORM INSTRIJFOIENT Form 3051 1 /01 DOCPREP SERVICES, INC. FORM MTGWY1 -3051 Page 4 of 14 ORIGINAL i0 /T TOE W l o d IVAIIORIO bi Jo S aged 1SOf-I[MODAI 'ON/ SYdIA113Sd38d30Q 2ILSI�II YARIO3INfl 3 EJ J alppaid/ae}tJ aluuud- ,(puled alSu!S 91gINOAM suer ul S£0£bL9 :•ON NVO'I `Aq tpEJ pool ui uati alp slsaluoo (q) :luauiaa.15R lions 2uiuuojzad si 10MO11Og SE 2uoi os ,iiuo 1nq `lapual of aiquldaoog lauunul u lit uati alp Aq pamoas uopapgo agf Jo luaus iud 0141 of Suppm lit saaISu (B) :.IaMo.uog ssaiun luatunzfsui Apmoas slip land 11t10!ld seq gatgm Imp Aug agluposip Apdtuold pegs zaMOiioa uoiloas ui papinold lauugmI alp lit tuagl ,Cud ip;gs lamonog `small mama OIB SLUM! asatl 111141 1u01xa a l 0j .Aug Ji `sluatussassy pug `saaJ `sang uoprpossy Aliunuuuuoj pug 'Aug Ji `A11adozd 0141 uo swat ptmon 10 sluaulSBd Notional luaultulsui ,ilunoaS sits JOAO gopim Auadold 0111 01 algglnqizn11 suoipsoduut pug `sauiJ `sa2lgtp `sluatussassg 'met lit hd Titus zaMO.11Og •suai'j :saaugD •17 •zapuaJ piag spun) Aug zaMO11og 01 punjai ,Cpdulold iiggs lapuari luauutllsuj Apmoas sup pamoas stuns Hu Jo HT ui luauliCBd uodn •sluautiigd Liitluoul Zj um atom ou ui lug `VdSga glum aougpl000B lit Aouaptjap alp dn axglu of Aigssaoau lunoure 0143 lapua-I of iced huts iamonog pug `ydsau Aq pazinbal sB lamozzog SJtlou dugs Joplin `VdS3'I lapun paugap sr `MO1OSa lit piag spun) Jo Iioualog p g St azag1 JI •S1uauliiud Aitluotu Zj uutl mom ou ui lnq `ydsag gpm aou11ploOOU lit ahuots aril dn alum of AzussaOau lunouIB at1 1apua'i 02 iCud huts zamollog pug `VdSg11 palmbal SE lamon0g 1CJ11ou hugs 1apun `ddSa'd zapun paugap sg `MOZOSO lit piag spend Jo a2I11ogs g s! amp JI •VdSa1l tj1 Z99 iM aougpl000g ui spunJ ssaoxa aril J0J 1amo11og of lunoOO1 hugs lapua-j `ydsa21 lapun paugap sg `MO1OSa ui piag spung Jo snidlns 11 st amp JI �'dSa2I Aq Papnba1 sg spung atl Jo $upun000g mum ug `a2zetp lnogpm `1amolzog 01 ai4 hugs zapuari spung alp uo pigd aq iiggs lsa1alui 111p1 'Jana/m `Sutplm ui M1 Imo 1apua pug 1aMO1ZOg 'spend 0141 uo s2uiu1E0 10 lsa1alut Aug 1aM0110g iiud of pa1inba1 aq iou huts zapua1 `spung alp uo mud aq of lsaIalui sannbaz mw 1 aiquoiiddy 10 Suip1M ui aputu si luauuaal2u uu ssaiun •a2zggo g pits alum of lapua'j slitu1ad wri aiquotiddy pug spung alp uo lsa1alui 13MOnog shd zapua'i ssaiut `stuafl mo1OSa at151pAjuan 10 `lun000u MOIOSO agf Suiz fiuuu ,CJJBnuuu •spun) a1i12upiiddB put 2uipiog 1oj 10MOnog aanug° lot Bugs 1apuari •ddSII2i lapun pa!Jtoads au111 atll imp lase! ou small mama am Cud Ol spung otp Aidd11 hugs lapuo' ugorl autoH iulapag Aug ui l0 (palnsul os 01B slisodap asogM uoilnfpsui ug si zapua-i J! `1apua'j 2uipniOUi) ditlua 10 `AouaWg iglapaJ r Aq paznsut 0111 spsodap asogM UOt21UI1sul un 111 piag aq hugs spung a ty •mn-1 aiquopddy gpm aouupl000u ui astMZatlo 10 stuali Mozasg aznlnJ Jo salnlipuadxa Jo saluuttlsa aiquuosgal pug limp luanno Jo sisgq atl uo anp spung Jo lunouug all al11tuilsa hugs zapua'i •ydSgg lapun gimbal ego lapuai g 1un0Ure umultxgul agf paaoxa 01 lot (q) pug `ydSgg lapun paijioads atui10142111 spung 0141 Aiiddn 01 lapua punad o1 luaptJns (g) lunot a 1111 ui spung Pioq Pug lOaiioO `amts Aug 111 'Amu lapua'j uopoas stgl lapun paltnbal uagl 0111 111141 'sum= gons lit pu11 `spung Tin Iapua1 of /Cud hugs lamonog 'uop11OOna1 tons uodn `pug Sj uopoos glum 00uup10oog u! U24 aotfou g At auks Aug 111 small mama iiu 10 ,cure 01 SE IOAI11M alp a)iona1'Cm lapuarl •lunoure riots Aug lapua'i 01 /Cud01 01 6 uoIIOas 1apun pa1B$Iigo aq 110141 huts lam0n0g put lun0u1e gaps /Cud pun 6 uoIIOas lapun slti4u sl! asTOlaxa Amu lapua1 `t1a1i Mo1OSg lie 10J anp ltnoure all 'cud o1 siiu31aMO11og pun `laniuM 11 01 luunslnd '/Ci1Oalip small mama ,cud 01 palg$tigo si 1aMO1log JI '6 uoil0as lit past st „luatuaaz2B pug fu11uanoo„ asgz1d aril s11 luatuttpsui Apinoas sigl ui paut113uoo luatuaaa11 pug luguanoo 11 aq 01 patuaap aq sasodznd iig 1oj huts sldtaoal aptnold 01 pure sluatuhd tons a}iutu o1 uo11e2iigo S,10MO11og •almbal hut lapun sn pouad 0u141 gons uit !m luauthd tons gupuapina sldpoal lapuaa of gsiuznj huts `saltnbaz lapual Ji `pun 1apuarl pantuM uaaq set spung Jo luatuA11d tjoit4M 10J swan mo1OSa Aug log anp slunoure all `aig11iigd alarm pug uaIM `i(fOalip 1 d iigts 1oMO `1anreM tons Jo Juana am ul •8u11UM ui aq 'quo hut lantuM gons ztuy arms Aug 1g stuali Mo1OSa jig 10 !Cue 10J spung 1apual 01 Ad 01 uoilu2pgo s,lamo11og ani1M but Iapuo' •stuali Mo10sa iiu 10 STUB 10J spung agf A1ld o1 uoil112iigo s,lamon0g sanreM lapuarl ssaiun small mama 1oJ spung aril lapual Cud huts JOm0110H •110p00S sigl 1apun pied aq of slunoure Jo sa0ilou iiu lapuarl 01 gstulnJ Aifdtuold huts lamonog luau M010Sa un aq !jugs sluautlssassu pun saaJ `soup tons put `lamonoa Jiq paMOlosa aq `Aug Ji `sluatussassy put saaJ `sang uoi1Bpossy XliunuluuoJ 11141 a1inbal ,i1U1 lapuO j `11110 -1 0141 Jo uual 0141 2uunp amp 4uu 111 10 110tl11uPu0 IV „•sulalj Mo1osa„ paiiuo are sum! asota •pj U01100s JO SUOTSIAOId 0111. 1114M 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 LOAN NO.: 6743035 Initials WYOMING- Single Family Fannie Mae /Freddie Mac UNIFORM INSTR DOCPREP SERVICES, INC. FORM MTGWY1-3051 Page 6 of 14 ORIGINAL 663 Form 3051 1 /01 10 /T TRW W10d V99 step ?uI IVNIORIO 1'1 L aged tsoe -iAM91 w110J 'S IAVE da8a3OQ SNI WUOIINf1 auJSI atppazi/auytl aiuued- ,(Igus3 0 1 2 u!S ONINIOAM S£0£PL9 :'ON NVO'I sup iapun s1q$u .xo /pus Auadold aq1 ui 'swam! s,lapua-I Ioa33u SilueatJiugis ulgI u Imp &utpaaoold Mai st atom (q) `Iuautnlusul Stunoas sttp ut pautgiuoo stuatuaade pug sluguano3 ail uuojlad o1 sitg3 1amo11og (u) 3I ;uauma;sui ,i ;tmaas stq; aapun sulk" pus £;aadoid aq; ui ;saga ;ui s jo not ;aa ;o id •6 •aouaptsal Tudtouud s,l0mo11o11 ss Spada'," at1 jo Aouudn000 s,lamonog guTulaouoo suofgluasaidal '01 pa2Ttup mu OR Inq `apnioui suopuivasaidat ispatwIH "ugo' ail t1Tm uo!Oauuoo ut (uopsupoJup Iuualuut tltm zapuaJ aptnold 01 paru3 .to) lapuai of stuatuaiuls so uotluuuojut alumoostu so iuipgaisttu `asiu3 Allgtlalutu aneg luasuoo JO agpaimomi s,lamollog tltm 10 1OM011og JO uopoaitp 0111 111 guttou sappua 10 suosiad fug 101amo11og `ssaooid uopsogiddu uuoZ 0111 guunp `3t Ilnsjap uT aq ITT 1amo11og •uot ;eagddy ueog mamoalog •g •asnso aiquuossai 'Ions guTAjTOads uotloadsu111oua1uT us tons of lopd 10 3o atutl 0 t1 1g aailou 1am011og anti Huts aapua` •Suadold 0111 uo stuaUtanaidutt at13o minim at12Oadsut /Cuts lapuari `asnso aiquuossat ssq 1! 3I •Cuadold at1jo suopoadsut pus uodn satilua aigguossal awl Auut Iuagg s1T 10 1apUO •uopsiotsa1 lredaz tons jo uopaidmoo at1 zo3 uoiuSHgo s,lamouuog jo panatiat Iou st lamozlog 'Spada'," alp alolsal 101TUdaz of luatogjns mu are spaaoold uopuutuapu0o so aauu1nsu! 0 113 3I •palaidmoo sT opom at1 ss stuam1Cud ssatgaid jo sauas s uT so tuauthd aiguts u ut uotiglolsal pus situdat 0111103 spaaoold asingstp hut lapua- •sasodznd tons 1o3 spaaoold pasuaial sit lapua-i 3l ,gquo Spada'," aft $utlolsa1 10 2uutsdaz 103 aigtsuodsai aq huts 1amo11og 'Spada'," am `3o sutaiu1 at1110 `01 aguutup gltm uopoattuoo ui ptud azg spaaoold UOMUtuapuOO 10 aouulnsut 3I •agstusp 10 uopuloualap 1at11n3 pions 01 paguutup 3T 31 d01 am fl dal iCpdtU01d huts 1amo11og `alglsua3 Allsop touooa 1011 st uopulotsa110 "ludo.' 1ug1 S uopoas 01 lugnslnd pautuualap sI 111 ssaiun •uopipuoo s1! 01 anp anion TIT gU1Sga1Oap 10 gut;uloualap wag 1Cuadold 0111 Iuanald o1 101/10 111 Spada'," am urelu!UUI huts 10M0110g `,ivadold at1 111 gutp11sal st 1amo110g 1oU 101011011M 'Spada'," 0141 uo atom ITUni.11oo 10 01E1(41010p of ,ivadold ati mops 'Spada'," 01411! dtut so aguulup `iiollsap Iou ipgts 10A 01108 •suoT ;oadsuI :,f ;aadoad aq; jo not ;Oa ;old pus aousua ;um `uogsnaasald /0/21100 s,lamo11og puoAaq aiu t0ttm Istxa saODUlstunOITO gupgnualxa ssaiun 10 `piattptm Aiquuossalun aq 1ou huts luasuoO t0Tgm Tul1T1m ut saaau as!mlatlo lapua7 ssajun `1f0Ugdn000 3o am alp lags 1ua( alto lsual 111 103 aOUaptsal Tudouud s,lamo110H su Spada'," alp Adn000 01 anupuoo bugs pus luaunuisul 1flunoas sill 3o uotln0axa at1nip shp 09 upptm aOUappsal Tudtouud s,zamollog se Muadoid 0141 asn pug `gstigglsa `Mn000 huts 1am011og •,fouednooO •9 •anp Limp 'mu 101aglagm `Iuattnuisul IClunoas sttl 10 010N ail lapun ptudun slunotuu 1 d 0110 Spada'," aft alma" 10 11uda1 of Jag310 spaaoold a0UUlnsut at1 asn ifuut lapua' •Suadold atil3o aSulano0 at101 aiquotiddu are siggi1 tons ss 1umosui quadold at1 gupano0 saTOiiod aouulnsut Ili lapun (lamonog mud stuntman' paussaun 3o putt301 Slug 01 1q2 0111 ustl 101410) slggil s,lamollog 30 Jaw ACue (q) pug '1uaulntlsul Atunoas spit 10 010N 0141 1apun predun sumo= ail paa0xa 01mu moms us up spaaoold aODUlnsui Jfuu o1 s1 'I$I1 s,lamollog (u) lapual o1 sug1ssu Amax" lamolog `astmlatlo 10 ZZ UOtloas lapun Suadold aril salmbog lapua' 31 10 `luana Immo uI sang st aopo1 at1 uatm utgaq "pm pouad Asp-0£ at u, .uusTO ail alias pus alspogau hut lapua' sail 'u u aI11aS o1 pa1a33o Su! 10!11110 =vim! atlluti Iapua-I map aopou u o1 shp 0£ uttltm puodsal Iou saop 1amo11og 3I *mum paluial pug tutgio aoueinsut aiquitenu Cu .e alum pus alspogau `ait3 ,Cgtu lapuo `Auadold ail suopuggg 1am0110g JI •Z uotloas 111103 pappnold 1ap10 0141 up patiddu aq hugs spaaoold a0UUlnsut tons •10M011og o1 mud `fug 3T `ssaOxa 0141 IUm `anp uatl mu 10 1atpatm yuauuutsui A1jnOas stgl palnoas sums ail 01 paTiddu aq pugs spaaoold aODUlnsut ail `pauassaJ aq pinom Alunoas s,lapua'I 10 aigissa3 Alluonuouooa 1011 st ltudal 10 110t1u101Sa1 at13I '1amo11og 3o uop sgggo Nos alp aq Hugs pus spaaoold =alum! 0111 3o Ino mud aq 1011 hugs 10M0110g iiq paumUla1 `saplud imp 1at10 `slalsnfps otignd 1o3 saad spaaoold tons uo dupl.= 10 1sa103ut Attu 1amouog )(Rd o1 palmbal aq 1ou IIu 'Is lapua' `spaaoold aODUlnsut tons uo mud aq o11sawamm! salinbal mwI aiquotiddd 10 Ui1um UT apuui sT tuatuaalgu uu ssaiun •palaidutoO st )(Iom ;0 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 attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). LOAN NO.: 6743035 Initials WYOMING- Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 DOCPREP SERV ICES, INC. FORM MTGWY1 -3051 Page 8 of 14 ORIGINAL 6 i0 /i 1S0£ mae3 IVNIORIO bI JO 6 aged 00£ WIIOd $9J/AN! S dl21,0OQ imarAi 11.b6NI WUOdI■11 aeyk a;ppaa3/aeyk atuue,,j- ,CIIUIud ai slel ;luI S£0£bL9 :•ON NvO'I anp uagl are sums am 1ou JO lagla1M luautnalsul A;tmoas paanoas sums al10; patlddg aq imp spaaooad snoaugiiaos!I all `gupuM ut aadu astMUllo lapual pug 1aMo110g ssalun `amen ut ssoi 10 `uotioni ;sap `guptui 'mind d agl alopaq Ala1Btpaunut pains sums all J0 lufl0U1 am ugll ssal st amen ut ssol JO `uotuoruisap 'guptgl tetugd at(1 aaojaq Alalztpauttut Auadold alp jo amen atgj ag1 gotgM ut .4110do1d aq) JO amen ut SSOI 10 `uotionz ;sap `guplgl mind E Jo ;uana am uI •1amo1aog of mud aq llt:gs aout?igq Jiud •anign ut ssol 10 `uoponalsap 'gupigi mind am alojaq ,iialgtpatuutt ,fuadold a ljo amen 1alpgut atu3 am (q) paptAlp amen U1 ssol 10 'uotlon.tisap `gutalui mind all aiopaq iilalgtpaunut palnoas sums am jo lunoure trio; all (g) :uotlogij gutmolioj patldpintu spaaoold snoaugiiaostyii all jo lunoutg all Aq paonpai aq hugs luautnllsui Altanoas stem paanoas sums am `5utlt1M ut Oat& astmJaglo iapua-1 pug 1amo11og ssalun `amen ut ssol ao `uotlona ;sap 'guplgl lu!Ind all alojaq Staletpatuutt luatutulsul ,iltanoas stgl paanoas stuns all jo lunotug aq1 uggl 1a1gaJ2 .to o1 ignba st amen ut ssoi 10 `uotlotulsap igtugd all alojaq Ala1gtpatutut Alladold all jo amen lal1gut .ttg3 all gotgM ut kuadold all JO amen ut SSOI 10 'uotion.1sap `gut3lgl mind g 30 ;uana ag1 ut •1 M01SOg Ol pied `Aug jt `ssaoxa all t j M `anp uall 1011 10 1allalm luatunllsul'iltanoas pa1noas stuns ag101 patlddg aq Ilggs spaaooad snoaugllaosm all `,illad01d alp 3O amen ut SSOI 10 uotlontlsap tglol g JO ;uana alp III .Z uojloas 111 .toj papinold .zapto all ut patlddg aq imp spaaooad snoaugiiaostyii lops •1amo11og 01 mud `Aug Jt `ssaoxa am Ip1M `anp U th lou 1O laglagm luaumllsul Alunoas stip eiq palnoas sums am 01 patlddg aq imp spaaooad snoatreiiaost A. at 1 `pauassai aq mom Aitlnoas s,lapua'I so algtsgaj Iiigottuouooa 1ou st indaa so uotlg101Sal all JI •spaaooad snoatrellaostyl eons uo auturea 101sa1O1ut Aug 1aMOZtog tied o1 pa1 nbal aq iou iiggs iapua-I `spaaooad snoaugiiaosiJA Bons uo pied aq o1 lsaaalut samba' mg alggotiddd 10 gujluM ut apeut st luatuaalgg ue ssalun •pa ;aidutoo st 3iloM all SE sluatuSEd ssalgold JO SOIJOS g ut 10 luauzasangstp at5uts g ut uoi1glolsa1 pug s.tgdat all 103 Mld hut.apua-I •Alldutoad uaNguapun aq Ilels uotloadsut Bons 1g11 pap `uo11ogJstlgs s,.apua-I o; palaidutoo uaaq see 11OM all alnsua 01 filmdom lions loadsut 01 Altunuoddo uu peg sgg aapuaj ltlun spaao0.id snoaugliaosty%i lions piog 01 ;Beta all aim! Ilels lapual `pouad uot1g1o1sa1 pug ateda1 Ions Sutunj •pauassal 1011 s! All1noas s,.apua-1 pug aigtsga3 Aiieottuouooa st pedal 10 uo11g1o3sa1 ag13! `iilladold am jo .tedaa 10 uotlelolsat 01 patidde aq dugs spaaooad snoaueiiaosm lions `paggurep st Suadoad al ;I •1apua-I o1 pled aq Hulls pug 01 paugtssg Agaaaq are spaaooad snoaugliaastyAI ITN 999 aan ;tajaog spaaooad snoauellaastpl jo ;uatuugtssy •u •uot;sututaa; .10 uopullaauga gaps Jo auto aq; ;e pauauaun want ;my stunttuaad aaugansul ageg;aoy%i Sue Jo punjaa a antaaaa o; ao /pue ',flluaputuo;ng paluutuua; aaueansuI 3213g3 °1 I al; aAaq o; 'aatleansui a2e3poytl aq; jo uopellaauea utg ;qo pug ;sanbaa o; 'saansopstp ute ;aaa antaaaa o; ;ggta al; apnlaut Sem s;lgta asagi •noel aal ;o ,fug JO g661 Jo ;ad uopaa1oad saauntoatuog al; aapun aauUansul Ogee ;aoyk al; o; ;aadsaa q ;tnt Sue 3l sgq aamoaaog s;ggta al; pane iou Him s;uamaaagg gans £u' (q) •punjaa Sue 0; lamming appua ;ou lltn Sag; pug 'aaugansul a3e33J0} ao3 Onto Ion aantoaaog ;unoUIU aq; aseaaau1;ou lltm s;uautaa.ae Hans •neo1 al; 3o suua; aaq ;o Sue ao 'aausansul ageg;aoytl aoj A ud o; paaaBe sex; a0M 0JJ0g ;ug; s;unotue aq; lame 3011 'um s;uautaaagu gans ,fuv (u) :1aIi11n3 „•aouglnsutal antiduo„ pattual uaq.o st luatua2ug1re am `1a1nsut ag101 pied sutntuzaad ag13o aaggs a 10J agugloxa ut 3lst1 s,1a1nsut all 3o alels a saalel lapuOZ 3o aletl4J.J.e 1111 lull; saptnoad ;uatuaalgE ions 31 •sassol gutonpal JO `)4541 s,la1nsut 0 E 11otu ail Z'utiimpout 10 gut.regs aoj aguutloxa ut `aotre1nsul a2E21.I0IN 10J sluatuAed s,aaMOaaog 3o uotuod g (St paz11a1og1ggo aq 1l5ttu 10) ut01J anilap ;eg1 slttnotug (iiiloaltpui JO ,il100atp) antaoal iiEUUI `guto5aio3 am JO AIM JO algtl4JJ1 AUE 10 `,iltiu0 1ag3o Aug `IaInsutal Aug `1011152111ag10ug 'atom ag1jo lasggolnd Aug `lapua' `sluatuaalgg asag1 Jo linsa1 g sy 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 from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 1,4. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. LOAN NO.: 6743035 Initials 66` WYOMING- Single Family- Fannie Mae/Freddie Mac UNIFORM IN NT Form 3051 1 /01 DOCPREP SERVICES, INC. FORM MTGWY1.30S1 Page 10 of 14 ORIGINAL ISO£ uiaod •me-; aiquotiddy paugmoad st astaaaxa gons ji iapual Aq paspaaxa aq 1ou ins uopdo spp `JOAOMOH •luauunalsui Slinoas spp painoas sums Hu jo Tim ut luauzAud algtpaututt aambaa Sum aapuaj `luasuoo uauum aoud s,aapua-j inogitm (pauajsuvl ao Nos st aamouog ut ;saaalU Igpt auaq s puu uoslad pin= iou st iamo.uog jt ao) pa.uajsuu.0 JO Nos st Slaadoad aqi ut Isamu' ,Cue JO dlaadoad aul jo Ind nitre JO IT 3I •.iasegoind s o1 amp aaniiij g 1E aamofog cCq app jo aaJsu esi ag1 si u3 4M jo luaiut aq1 luatuaaaSs mama JO loualuoo sales luatuJTmisut 'pap aoj 1OUaluoO 'pap aoj puoq s ut pauajsuuai slsaaalut IsmotJauaq asoip `01 palturti lou lug `Suipnput `S;aadoad aqi ui lsaaalui plagauaq 10 Is20j Mire smut „A;aadoad aul ut lsaaalui„ `gJ uoi1Oas spp ut pasn sV •aaMO.Uog ui;sada;ul igtai3auag u do ,f;.iadoad aq; jo aadsutuj •gj •luatunalsuj AltinOas spp jo pus aioN ail jo Adoo auo uant5 aq Begs aamouog 'Sdop mamoatog *LT •uotlOu Aug agqui 01 uotlu$tigo Niue mogl!M uoilaaostp aios sang „Auto„ paoM am (3) pus :swan a3In pug Tumid aqi apnput pug umatu Iiugs mauls am ut spaoM (q) aapua aututuiaj aq1 jo spaom ao spaom aalnau 2utpuodsaaao3 apniout puu maul imp aapua2 autmosguu alp jo spaoM (u) :luautnusui SlUnoas spp ui pasn sy •uotstnoad .Sup31T3uo3 aqi inogltm 1Oajja uani2 aq uuO gptgm aioN am JO luatuiuisuj ATUnoas stun jo suotsinoad aagio 1Oa3je lou imp ;OrTjuoO pus `M '1 algeotiddy tiIIM slogjuoo aloN aq1 JO 1uauma1SUI Altanoas stgi jo asnup JO uotstnoad Aug imp Juana aqi u1 •lOgaluo3 ,Cq 1Uatuaadg lsutu2u uotitgtgoad s sg panalsuo3 aq iou Items =ails gons inq luaus aq ig2lui it JO 13•11UO3 Ai 0012i 01 sanasd alp motto Apptidtut ao Ailtatidxa 11121tu meZ aiquotiddy Ms-1 aigsotiddy 3o suotlultutti put' sluatuaambaa Aug 011Oafgns aas luatuiulsui A1Un3as spp Ut pautgluoo suopu$tigo pug slg5p ttV 'Palsooi st Slaadoad alp gotgM ut uotlotpsunf aqi 3o /ART am pug MET IuaapaJ Aq pauaano5 aq imp 1Uaumalsul ,C;tmOas staa •uotpna;suo3 jo wing :,C ;titggaanas :mei &utuaano-9 •9T •1uati nalsui A1Unoas spp aapun 1uautaatnbat 2utpuodsaaao3 atp Sjspus non luautaatnbaa mug aJgsotiddy am `Mg'i aiggotlddy aapun paatnbaa osis st luatunalsui Animas sign .iq paatnbaa a0jlou Suu 31 •aapua' pantaoaa /imam 'pun aapuarl 01 man S uaaq anug o1 pautaap aq lou Imp luatutttlsul'(Tunas stgl glum uot13auuo3 ut aatlou ,Cuv •aamoaaog 01 03pon ssaapps =pug palgatsap soul aapua-1 ssalun utaaau palmis ssaappg mapuai Trey sop lug Act 1! 2m1p u 2mJanilap sq uani2 aq Bugs aapual 0103tlou 'amp auo A t m lm luatunalsui Animas spp aapun ssaappu 03tlou palmaisap auo ,iiuo aq ,Csut aaagi, •aanpaooad pat3toads 1ug1 g5noai ssaappu jo aumuo s laodaa Apo Bugs aamoaaog uagl `ssaappu jo 02iregO s,aaMOaaog 2upaodaa aoj aanpaooad s saUpads aapua7 31 •ssaapps 3o amp s,aam0uog 3o aapuaT Xjilou Apdtuoad ilsgs aamouog •aapua'l 01 a3110u ,iq ssaapp1 aotl0u a2n1t1sgns m paisuStsap suq aamoaaog ssaTun ssaappV Suadoad ail aq Hugs ssaippg aatlou atj •as!Maat(lo saatnbaa'itssaadxa Me'1 aiqualiddy ssalun SIOMOUGH 11u o1 aatlou 01n1j1suo3 Timis aamoaaog auo Au o1 a3tloN •sugam aau10 Ag luas 3t ssaappm 0311ou s,aamouog o1 paaanilap ilimn1OB uagm ao putt sop mill papuut uaIM 10M011O1] o1 uanp uaaq anti 01 pautaap aq Bugs ivatunalsul AginOas spp 1111M u011Oautio3 ui 10MOa10g o1 03tlou /Cull lut11M ut aq isnul 1uatUtulsui iClimoas sign tpIM uot1Oauuo3 ut aapua-i JO aaMOaaog Act uan12 saoilou IlV •saat;oN 'ST •a2aug3aano bons 40 angg 1421 aaMOaaog u0pog 401q$u Slue Jo aant1M g a1n1i1suo3 II1M aaMOUOg o1 luautAud maim aputu puitjaa gons ,ius 3o 03UUld033u s,aaMOaaog (010N 01.11 aapun ao3 paptnoad si alau4O luaut,iudaid s lou _to aatlla4M) alaeg3 luatu&sdaad dire 1not ltM luatuSudaad Tepaed mss palsaal aq Tun uot1Onpaa agl `Tudpuud saonpaa putt4aa g 31 •aaMOaaog of luatuXud 1Oaatp u 2ui?tetu Aq 10 010M ail aapun paMO Tudpuud am12utonpaa ,iq punjai Stun wpm 01 as00113 Sum aapua' •I0MOIJOU o1 papunjaa aq 1TTm squill pauttuuad papaaox0 43i1M aaMOa1Og wog. paPalioo SCpuaalg stuns Aug (q) pus :11U pallttuaad am 01 aasgo aq1 aonpaa 01 SIESSO3au lunoure 0111 Aq paonpaa aq 11ugs anutl3 mar gons Sou (u) :uat11 `squill palltuuad aq1 paa3x0 treol 112!M uot23auu03 ut 1)0130i103 aq 01 JO 1)0130t103 saaagg3 ugoT aag10 10 maim! ail Imp os palaadaalut illuu1J st MET lugl pure `saItuga u101 =wpm' slas 3314m Mgt u 01 loafgns s1 U1O'I ail 3I R99 IVNIORIO 4 IT aud 1SO€ -1AA DIN sa.9Inaas d3Nd.9OQ 11AI3111IIN.L NRIOdINI1 auJN affa. aiuuu3- iipturd a1$u1S ON111IOAA1 sluff ;lul S£0£PL9 :'Ori NVO'I 087 ;4739 669 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 Section 22 of 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 unless as otherwise provided under Applicable Law. 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. LOAN NO.: 6743035 Initials WYOMING- Single Family -Fannie Mae/Freddie Mac UNIFORM INSTftIJMENT Form 3051 1 /01 DOCPREP SERVICES, INC. FORM- MTGWY1.3051 Page 12 of 14 ORIGINAL i0 /I ISOE wawa 'IvNIIoIN0 bi 3 £i abed tsoc tanteiw w1103 'S 31AeKS d3?1a30U INMA111 NI IARIO. 1Nf13uTAI alPpaa /ae}\J aiuue j- Aliund alsu!S-DNINIOAM sluMuI S£0£tL9 :'ON NVO'1 meZ aiquouddd zapun pa33uuuad s1 aa3 ag1 jo �uil;zego aq3 puu paiapuai saoinzas zoj Aued pi pl u o3 pied s1 aaj 014131 Aiuo inq `3ummuisui Alunoos spn 2ulsuaial zo3 aai u aamoazog a2i tp Auux zapua-i •slsoo uoippzooaz Aire Aed imp zamozzog •3uaumzlsui A3tznoas spn asuaiat nulls zapual luautnz3sui A3unoas Sim Aq paanoas sums Hu jo 3uatuSEd uodn •asealag •£Z ;t o; pal;i;ua AlleSai suosaad .10 uosaad ati; o; ssaaxa Aug (a) pug :;uatuna;sul A;unaas stq; Aq paanoas sums IIe o; (q) :saa3 ,sAauaone algeuoseaa 'o; pa ;hull ;ou ;nq luipnlaui 'ales atl; jo sasuadxa ile o; (e) :aapao gutMolloJ aq; ui patldde aq limp alus an jo spaaaoad aq j, •aius Aug ;e A;aadoaa an asugaand Selz aau3isap s ;1 ao aapuarl •muZ algeagddy Cq pagiaasaad aauugtu aq; ui Nos aq hugs Apadoaa aq; pug 'ales jo aoipou aq; gsilgnd imp lapual uoi;aas ui papinoad aauueuu ag; ut aantoaaog o; alas aq; jo aai;ou ani0 Ilegs aapuarl •nteg aigeauddd mot aauepaoaae tit ';uaaa331p j1 'Apado. aq; jo uotssassod ui uosaad aq; o; pug aantoaaog o; asoloaaoJ o; luau! jo 0011011 ani$ Isis aapuarl 'ales 3o aamod aq; salonut aapua' 3I •aauapina ai ;l; jo 53503 puu saa3 ,sAauaoie algeuoseaa 'o; pa;ltuil ;ou pig 'Suipnpui 'ZZ uoi;aas sill ui papinoad saipatuaa aq; Suinsand ui paaanaui sasuadxa llu ;aailoa o; pal ;l ;ua aq hugs aapua' •nteI alquauddy Aq paiituaad saipatuaa 0011 ;o Aug puu aigs jo aamod 3113 amonut Sew puu pueutap aagpanj 3nogpnt ;uatuna;sul A ;tanaas siq; Aq pa.maas sums lie jo RR; ui ;uatuAed apgipatmui aambaa Sulu uoi ;do s ;t ;u aapua-I 'aai;ou a 1i ui paijiaads met) all aao;aq ao uo paana ;ou si ;inujap aq; 31 .alas pug uoi;eaalaaau o; aantoaaog jo asuapap aaq ;o Sue ao ;Ine3ap a 3o aoua;spxa -uou am passe o; uopae ;anon a auuq o; ;Op aq; puu uoi ;uaapaae as ;fig a ;g;sutaa o; Nap ag; 3o aantoaaog maw! aagpnl eggs aai;ou aqZ •Apadoad aq; 3o ales pug puauma;sul A;unaas slip Aq paanaas sums aq; Jo uoi;eaalaaoe ui ;Insaa Seum aai;ou aq; ui pa!Jtaads a;ep all aaopaq .10 uo ;Inepap an aim o; aanue3 ;uq; (p) puu :paana aq prim unejap aq; gaignt Aq 'aantoaaog o; uani3 si aai;ou aq; a ;up aq; uzoaj %Cep p£ ueq; ssal you 'app a (a) :;Inepap aq; in o; paainbaa uoi;ag aq; (q) :;Inupap aq; (u) :A3pads uegs aai;ou aqy •(asnuaq ;o sapinoad mei aiqualiddd ssalun gI uoi;aas aapun uopuaalaaae o; aoiad ;ou ;nq) 3uaumapsul Sigmas slq; ui ;uauzaaaae ao ;ueuanoa Sue 3o gaeaaq mantoaaog auintollo3 uol ;uaalaaau 0; amid aamoaaog o; aai;ou ani$ ilegs aapua•i •salpauIag :tioi ;uaa IaoaV 'ZZ :smouo3 sg aadu puu tueua/too zatj3 J zapua1 puu zamozzog •SINVNaAOO 1A1IOdNf1 •dnuuai3 Iu3uatuuozinug ue zo3 zapua-i uo uopailgo Attu mato hugs tuazaq Sutti1oN mg'1 ig3uatuuozlnug tTItm aouum000e u1 suoiiou iuipawa/ Azussaoau i1u av1 Apdtuozd hugs zamonog 'Azgssaoau si Auadozd alp u13oajju aouu3sgns snopzuzuH Aug jo uopelpautaz zag3o JO Ienotuaz Attu 3utp 'A3zud aWnud Attu .to `Auzotl3nu AzoluinSaz JO Ig1uatuuzana Auu Aq pagpou st zo 'sum! zamozzog 3i •A3zadozd alp Jo amen ail many Apszanpu gottim aouelsgns snopzezeH u jo amp.' JO asn `aouasazd atll Aq pasnuo uoiltpuoo Atm (o) puu `aouulsgns snopezuH Auu jo amp.' 30 many .to amp.' `aazggostp `2utaleal `2uiutds Aug `ot mu!!! Sou 3nq Ruipnpui `uon!Puo3 leTuautuortnug Atm (q) `a5palmou4 lunpu sutj zantozzog gotgm Jo murl puluatuuortnug _to aou isgns snopzgzgf Aug puu Anodozd 0141 $uinionui Aided alunud JO A31102e A10leln2az JO igluauxuzanoi; Atzg Aq uouou aagpo JO unsmgi 'plump `tuiep `uotlailsanui Aug (e) jo aoilou uauum zapua1 ani2 Apdtuozd Ilegs zamozzog •(s3onpozd zatunsuoo ut saoue3sgns snopzuzgq `03 palm!! Sou 3nq `fuipnloui) A3zadozd aq3 3o aougualuigtu o1 pug sasn Igiivapisaz iguuou o1 opizdozddu aq o3 paziu5ooaz Auezaua2 azg 3B 33 saouulsgns snopzgzZH Jo sapuuunb !guts jo Aizadozd am uo auzo3s JO `asn `aouasazd aq3 o3 Aiddg lou iiggs saoua3uas om3 2utpaoazd atiy A3zadozd aq3 3o anpn aq3 smoa33g Apszanpe 3utp uo111puoo u saran `aouulsgns snopzuzuH E 3o amp.' 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Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: LOAN NO.: 6743035 STATE OF WYOMING, My commission expires: LAURIE McKEE NOTARY PUBLIC COUNTY OF STATE OF LINCOLN =j WYOMING (Notarial Seal) JOSEP. ''GRILL [Space Below This Line For Acknowledgment] Lincoln The foregoing instrument was acknowledged before me this by JOSEPH R. GRILL (person acknowledging) AIM A LAP Notary lic, Stat WYOMING- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DOCPREP SERVICES, INC. FORM MTGWY1-3051 Page 14 of 14 ORIGINAL COUNTY SS: 1pri 1$ aooJ 671 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower Form 3051 1 /01 IO /I OSi£ I 9 'IVNIJRIO Z 3o j abed TOSE W110d ONJ. S9� 1AWI d3Hd.30Q LN�NR2LLSNII L1RIOd ae} J alpp3a3 /0BN amuea ,Clmied a1 "!S 2ImaRI and aIVISI L'IIThJ Sjeplul, 8£0£17L9 vON NVO'I •ueoj atll jo tidal a14 2utpnp aRtreg3 us3 tantgm sup Jo uopTpuoo u Su saunbaz tapuai rum •iiatlod uopepossd mum() alp paptnozd sT °Sun/too paunbai aql lgul wawa am of pagsTles pautoop si atll uo a$gzanoo aousznsui ,ilzadozd umluTeui of S uopoos lapun uops2Tjgo s (Tt) pug :/fuadozd atp uo aougznsui Aliadozd 1oj sluatujjslsun tunnuiaid Apzsaii atp 3o zapuol 01 11.10IIIAEd 3!pOT10d a p zoj uop3as ui u0ISIA0td 3111 Santgm zapua'I (i) :uagl `a3Trelnsu! sa1inbat JapuaI gomm 1o; `spooi3 pug saignbglzga `01 pa1!TUTj iou lnq `2utpnjpun 'spinet! i tpo Aug pug „`agg1an00 papualxa„ uual aq1 unrum papnpu! swum! 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SluatunooG luanljlsuo3 s,Qnd alp tapun suopg2Hgo s,zamozzog 3o jju tuzojlad Hugs zamozzog •suo1ltHtlg0 arm •v :smojjoJ Ss 00z2u pus luuuanoo 1atj11nJ lapua'I pug tam0z10g `1uau1tu1sui ,ilunoas atjl ut apeut sluatuaaag pus slueuanoo am 0l uop1ppu uI •SZNVNHAOO Qfld Isamu! s,lamomog jo spaaoozd pug s1T3auag `sasn am pug „uotlEioossy szaumO„ 0111) Qfld 0111 Jo sa11TjTOS3 pug seats uoUIUI00 01112UTSgugui _to Suiumo ,iljlua lualumnba 10 110Tlg1OOSS1 SJOUMOauioq aTl1 ui Isamu! s,lamollog Sapnjout 351E iil1adold 011,1, („Qfld„ au1) [luauidojanaQ lion pauuejd Jo auteN] 52 umoul luauidojanap liun pauusjd s jo Ind g sT /(1tadotd atjj, „uotlulujooc„ atp) 798967 :'ON 1Ni311I112LLSNU LL /ST/80 :aaauoDau SNIOLLORLLS1I «NY SNIOI.LIQNIOO `S.LNIVNianoD ui paquosap su `satltlt3gj pug 5201E uouluioO uigllao pug spared Tlons 1atjlo mph 101110201 `3uijjamp u Tjlim panotdtui pug! jo poled s '01 palms!! 1ou s! lug `sapnj)u! iilladold atu, [ssalppy ,flzadold] LZI£8 JNII4IOAAI `aNAVHI dAI2IQ aafii IOS 8TZ :lu pale3ol pug luauinllsui Alunoas otp ui pagl1OSap Jilladold aq1 gupanoo pus amp mugs alp 3o zapua-j„ am) NINVII'IVNOLLVN lS2IId A,LINIl SIL1TO0 01 010N 8,10M0110g 0111305 01 „1amo11og„ aql) paug!szapun aql iiq uant2 'amp cures alp Jo („luaumllsul ,i3T1nOas„ alp) paaU 1i1ilnOas 10 ISM ,1, JO pOoQ `a2g2llo}Q atjl luatuajddns pug puau12 o1 pauiaap act Ilegs pug mu! paluzod10Du! sT pus IOOZ 'IIlIdV Jo ABP MLR STITl 0pgui Si $ac i .LNahIdO'IaAaa .LINI1 QENNVId SIRS x�QTx 1N }aozanaa LIMn QUISIVV 'Ia HDNNII AdTIVA 2IV,LS 08'44733 Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the master or blanket policy. In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 11. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. (Seal) (Seal) Borrower Borrower EPH R. GRILL (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower LOAN NO.: 6743035 A MULTISTATE PUD RIDER Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT DOCPREP SERVICES, INC. FORM MS3150N -3501 Page 2 of 2 ORIGINAL 67 FORM 3150 1 /01 IVNIJRIO TO /I ZINC 1 11 ao3 JO i aged OLS£ 'WNW '3Nj 'SSJIAN3s d3?Id3O11 auawcuasuI uuomun atIN aplueg ,(pwe3 ajguis XIQNI A nsva I1 HVIA 3■O Ham H.LVH H'IHVISIIMV /QaxI3 aLvi,SI.L'Iimi G �sleMul S£0£17L9 :*ON NVO'I •a1nc aSuoto ixau alp !pun awl lsazalul Mau Aui aq Iltm lunotun papunoz si111 'Moiaq (Q), uopoas u! pawls smug am of loafgns '(%SZI lutod ageluaazad auo 3o g1g8Ia -auo lsaaeau am of uomppn slip 3o 1insaz all punoz uaml !pm zaPIOH a1°N agZ •xapul luazznJ mil of OSL•Z slutod a8gluamad 000T/OSL (NV OMI 8ulppe iiq alez 1s0z0111t mat! Cut alginoigo Ulm zapioH a1oN alp `alga a8ueg0 gaea azopag saguuga jo uogeinale0 (0) •O3togo st111 aOIiou agi an18 !pm zapiog aloN a11,i, •uopottuoJu! alq eduioo uodn pasgq sl 11o111M xaprn Mau a asoolo film zapiog TON a ii `aiquilene TaSuo! ou s! xapui oRl 3I „•xapui luazma„ all palm sl a1eQ amp Rona azojaq sap St amp a111 30 sn aiquilenz azn8g xapui mom Isom ails •pznog anzasa) Inzapad affil iq aiggpunn apnut SE 'not( auo 30 Allznlgul luuisuoo g of palsnfpe sapunoas ,iznsua1J salgls paltun uo piaiii a8gzang /imam a111 st „xapui„ agZ •xapui un uo pang aq IIIM alez isazalul aignlsnfpn `a1EQ aSuERO log 0qi tpIM 5futuut8ag xapuI aqs (g) „•aleU a g paIgo st `aSuelo pinoo aluz lsazalun aigglsnfpu tint lol11M uo amp pea pug `alnx lsazalut aigelsnfpe un 01 sa8ungo a1 i lsazaiut paxg !glllu! Au 11olgM uo amp ma •zaguanip mum" IpZi Anna hp lull uo aSungo au' ad 'pm i am maim! aignlsnfpn 0111 pug ti00Z AVN 30 .hp mg all uo alez lsazalul aignisnfpn un of a8uego film 'Cud film i aluz lsazalul paxg Iupm! 0QL salsa a3uuli3 (v) SH`JNVHO .LM Th AVd aNV a1VII LSa2Ia.LN I a'IgyiSlll'UV 'P :smoiio3 se 'am lsazalul aiqulsnfpg un 01 am paxg igloo! 0111 u! a8unto E 103 sopinozd osig aloN ata SL£'9 3 alez lsazalul paxg igl2Pu! un z03 saptnozd aIoN SaONVHO .LNHNIAVd ATHINMON aNV aLLV2I a'IfVSSI1faV 'V :sMOiio3 se aaz8n pug lunuanoo za111.tn3 zapua'I pun zamoziog `luatunzisui IilPnoas alp u! apntu sluauiaaz2u pug Sluguanoo aqi of uotllppg uI 'S,LNVNaAOO 'IVNOLLIaay 'AVd !SIINI 2IdMOI11IO I H.Ly2I 11fI IIXVI4i HH.L (NV Z HMO ANY IV HONVHD NVO mull .LSa2Izusa a'Igd.L SaIaMOUI2IO11 ItsiflaKIV MI SLUM H.LON GILL H'I IV.LSf1faV NV OZ MI NH ZSa2IH,L1\II aaXL3 SaIaMO1I?IOg NI a`JNVIID V 110A SaGIAO2Id HIONI aH,L LZI£S D IIIAIOAM `aNAVHI anima aaILLI'IOS 8IZ :1e palnoo! pun luaumzlsui )illznaas 0111 TIT paquosap Aizadozd all 8uuanoo pun amp autgs a111 3o zapua-i )NVf'IVNOLLVN ZS2II3 A.LINIIWMOD 01 „aloN„ ail!) aloN 01011 aiqulsnfpy /paxid s,zaMozzog aznoas of zamonog„ all) pauStszapun ua4 amp awes alp jo („luaumzlsui Ailznoas„ NT) paaU zillznoas zo 'ism” 3o paaQ `a8egizoTAT 041 luautaiddns pug puaum of pauzaap ag Rugs pun olu! palezodzooul sl pug IOOZ gRidV 3o dEP HZSI S!41 apgut sl IaQlx HZy2I a'IaVISllfQV /aaXL3 SIH.L (ssaappy ,flaadoad) (sdeD alug -xapul LInsea u, auaA auo) ?MUM asvx a'gvisnraviaixu O 7:4V7‘.. 675 The Note 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. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 8.375 or less than 4.375 Thereafter, my adjustable interest rate will'never be increased or decreased on any single Change Date by more than TWO AND 000 /1000 percentage points 2.000 from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 12.375 (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any change in my initial fixed interest rate to an adjustable interest rate and of any changes in my adjustable interest rate before the effective date of any change. The notice will include the amount of my monthly payment, any information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER 1. Until Borrower's initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above, Uniform Covenant 18 of the Security Instrument shall read as follows: 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. 2. When Borrower's initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above Uniform Covenant 18 of the Security Instrument described in Section B1 above shall then cease to be in effect, and the provisions of Uniform Covenant 18 of the Security Instrument shall be amended to read as follows: LOAN NO.: 6743035 Initials L d MULTISTATE FIXED /ADJUSTABLE RATE RIDER ONE YEAR TREASURY INDEX S g le Family Fannie Mae Uniform Instrument DOCPREP SERVICES, INC. FORM MS3182N -3570 Page 2 of 3 Form 3182 1 /01 ORIGINAL TWNIDI2IO I0 /T ZST£ Zua03 Jo E aBud OLSC NZST SHt 0a •DNI's30/AN3Sd3adaOQ 1uawna1SUl uumun amue3 6tiwe3 aIB !S XaaNI A2IIISVH2I1, 2IV A HMO Iiauni ai v i aluvis Inv /cIaxll a.LvJ SI.L'IImr (ANO IuuISpO u21s) 9L9 aamoams- aamouog- (leas) (was) 1OM0110g- aaMoaaog- (Iuas) (was) aaMoaaog- aaMouog- (Iuas) (was) sigl ut paureluo0 slueuaAO3 put Suual aq1 01 saaa& put sldaOoe aamouog `MO'Igg 0 S£0£17L9 :'OMI NdO'I TIRIO '2I Hd SOf ulsnfpd OISAI •aaMoaaog 110 puutuap 10 0321011 aagun3 lnogltM 1U Wt alsul SlianOas sigl paig uiad saipatuaa Niue axonut Sum aapua'; `pouad nip jo uoiluaidxa ag10l aoud sums asagl Ol siiuj aamoaabg 3I •luaumalsuI /Caption Sig1 Sq paanoas stuns ire /Cud isnuu aamouog goiTM uig2IM Si uopoas g1!M aouupaoaau ui uan!S St a0ilou am amp ag1 11I013 situp p£ uugl ssai 1ou Jo pouad u aptnoad Bugs aotlou aUZ •uoiluaaiaoou jo aotlou aamoaaog H ITS aapuoi 'mg ui luaulAud aieipaunui agnbaa o; uoildo agl sasioaaxa aapua'j 3I Iuppm ui aam0110g sasealaa aapua'; ssaiun luaumalsul Simms sigl pue aTON agl aapun palaiigo aq of anupuoo !pm aamouog •luaumalsul Slimoas sup ui put aloN agl ut aputu Sluatuaaa2u pug sasiuzoad alp Ire daal of aaaa;sugal agl salaiigo legl put aapu0 -1 01 aiquldaoou si imp luauuaaage uopdumssu uu u5is of aaaaJsuual am aainbaa Jigm osiu aapua-I •uouduunssu Imo! am 02 luasuoo s,aapuaj of uoilipuoo g sg aaj aiquuosuaa a a3aego Seuu aapua-I 'M19 aiquotiddd ,iq palliuuad mom aql od, •aapuaj of aiggidaoou si Tuatmalsul Sgmoas sigl ui luauuaaa2e JO luuuanoo Niue 3o goeaaq u Jo )lsta am rip put uoildumssu mot ag1 paguduu aq mu !pm ilianoas s,aapua'I legl sauguaalap Siquuosuaa aapual (q) pug :aaaal.suual alp of am! 2utaq aaam Imo! Mau a 3i se =amyl papualui am alumna 01 aapua-I Xq paainbaa uotieuuoJui aapuaj of pallnugns aq 01 sasnuo aaMOaaog (u) :Ji uoildo sigl asi0aaxa lot Hugs osiu aapuoi •Mg'j aiggoiiddd Aq paligigoad si ammo guns 3i aapuaZ iiq pasioaaxa aq lot Hugs uoildo sigl `aanamol •luatunalsul 1ilimoas sigl Aq pam3as stuns Ile 30 lln3 ui luauuked aieipauutui aainbaa Sum aapua'I `luasuoo uafiaM aoud S,aapua-; lnogl!A (paua;sugal 10 plos Si aam0u0g ui lsaaalui luioijauaq g pug uosaad imam a lot Si aaMOaaog 3i 10) paaaajsuual ao pios si ,ivadoad agl ui Isaaalu! Auu JO Siladoad agl jo lard Niue ao Itu 3I •aasugoand u o1 amp aanln3 a lu lamina Aq app 3o aapsueal am st goigM 30 maw! ag1 luauuaaaau Moaosa JO 10E12E03 sales luammisui `poop ao; l0ualuo° aoj puoq g ui pauaJsuual slsaaalui ret3uJauaq mom `01 pomp! mu lnq iuipnioui `Suadoad am ui lsaaalul iuioijauaq jo !Oat Sue sum „Suadoad agi ui lsaaalul„ `gl u0p0as sigl ui pasn sd •aaMOaaog ut ;sacra ;ul IePllauag a ao ,f ;aadoad alp Jo aaJsuea,L