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PHH Mortgage Services
2001 Bishops Gate Blvd.
Mount Laurel, NJ 08054
Prepared By:
Sharon Johnson, PHH
Mortgage Services
3000 Leadenhall Road Mount
Laurel. NJ 08054
DEFINITIONS
[Space Above This Line For Recording Data]
MORTGAGE
Words used in multiple sections of this document are defined below and other words are defined in
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are
also provided in Section 16.
(A) "Security Instrument" means this document, which is dated Apri 1 13th, 2001
together with all Riders to this document.
(B) 'Borrower" is Patrick G Key, A MARRIED PERSON
Borrower is the mortgagor under this Security Instrument.
(C) "Lender" is PHH Mortgage Services
Lender is a Organi zati on
organized and existing under the laws of New Jersey
WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
-6(WY) (0005)
Page 1 of 15 Initials:
VMP MORTGAGE FORMS (800)521 -7291
872661 o 1 APR 13 PH12; 31
JEANNE VAGNER
KEMMERER, WYOMING
BOOK 46 a PR PAGE 5 f1 c�
Loan 0015116155
RECEIVE°
LINCOLN COUNTY CLERK
Form 3051 1/01
Original
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luaUlnllsul iClunoaS sup jo E uotioaS .Iapun slunouuu Xuu (II) snid `atol l
aqi .Iapun Isamu!! puu iudlouud (t) 1o; anp lunouiu pompanos Xilulaal alp suuauu „luaw,fed alpolaad„ (w)
tool aqi
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mud spo ooid .ro `sauuuup jo plunku luaurallias `uollusuadwoo Auu snow „spaaaoad snoausllaasryti„ (I)
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oluogdaial Iuuluuai oluo.Iloaia uu Ono.Igl paluwui sI golgm `luauunllsui iadud .Tenons 10 `1;elp 'rap
iq pamul2uo uopousuul1 u uugi lagio `spun; 1a;suu11 iiuu suuauI „optimal spun, aluoalaalg„ (p)
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[iCjloads] (s)
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•isalalul snid `luauunlisul IiillnoaS scgi lapun anp stuns Hu pm `aloli aqi lapun anp
sa2Jugo ales puu salugo luauaudald `1S0101Ul snid `aloN paOUapina igap alp sueauu „unog„ (A)
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087264i1
TRANSFER OF RIGHTS IN THE PROPERTY
-6(WY) (0005)
Page 3 of 15
504
(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.
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and
modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
Lender and Lender's successors and assigns, with power of sale, the following described property located
in the COUNTY of LINCOLN
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
Being more particularly described by a legal description attached hereto
and made a part thereof. Being the same premises conveyed to the
mortgagors herein by deed being recorded simultaneously herewith; this
being a purchase money mortgage given to secure the purchase price of the
above described premises.
Parcel ID Number: which currently has the address of
1333 U I NTA DRIVE [Street]
KEMMERER [City] Wyoming 83101 [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
Initials: r" 6 1
Form 3051 1 /01
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01 slunoute ;o saapou !!e .iapua-1 01 gslu.ml ,Cpduw.td !legs zamouog •urall mama ue aq !legs sluamssasse
pue saa; `sanp gans pue `.tamonog ,Cq pamoiasa aq 'Cu ,e 1! `sluautssassy pue `sand `sang uollelaossy
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aauemsui aRe2l.toyv (p) pue !g uollaas .tapun .iapuarl ,Cq paunbai aaueinsul ire pup Cue io1 sumlutald
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e se tuaumtlsul ,Clunaas slgl .Jan° ,C1uoltd mum ilea galgm stead _taw pue sluawssasse pue saxes (e) :io;
anp slummy jo luatu,ied so; aptnold o1 „spun;„ 0q1) urns a `lln3 ur pled s! aloN ag1 spun °lob! ail iapun
anp aae sluatu,Ced alpouad ,Cep aq1 uo .tapual 01 ,fed !legs aamoizog •swali mama ao3 spun;
•sluatu,ced a!popad ag1 jo `lunotue 01{1 amp s° `asap anp aq1 auodlsod so puma sou !legs atoll ag1
.tapun anp Iedlauud o1 spaaa0ad snoauellaasm .to `spaaao.td aaueznsul `sluaut/cud ;o uolleagdde Su)/
atoll ail ut paquosap se ua p pug saS.lega luaut,iedaid ,Cue 01 tug palldde aq
rim sluaut,Cedaid ,C.telunloA •anp sa2i qo ale! ,Cue 01 palldde aq hut ssaaxa pus `sluaut,ted alpouad a1otu
JO auo jo luatu (ed tin; am 01 palldde s! 1uatuhd aqt 1 11e slsixa ssaaxa Sue legs lualxa ail oZ !!n; ul pled
aq uea tuauu,ied pea `lem luau° ail 01 pue `31 stuaut,ied alpouad ag1 jo luaut,Cedai am 01 .1amor.tog wag
pantaaa.t luaut,ied ,Cue ,Cidde ,Cent .rapua-1 `2ulpuelslno sl luatu,Ced alpopod auo eels atom 1l •aarega awl am
pue luatu,ied luanbullap aq1 of palldde aq hut luatu,Ced aq1 `anp amp ale! ,Cue ,fed o1 lunoule lualal3lns
sapnlaul galgm luaut,ied alpouad luanbullap a Jo; .1°mo.l.log 11.1o.11 luaur,Ced a s3ni33a1 .°pews 1I
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=nom ululeular ,Cuy •anp aureaaq 1! galgm ut .tap.ro ag1 u! luaut,Ced alpouad pea of palldde aq (legs
sluaut,Ced gans uopaas .spun anp slunotue (a) `atoll aq1 .iapun anp Iedlauud (q) `•a1 ag1 .spun anp
lsaiatul (e) :,iluoud jo iaplo 2utmollo; ail u! palldde aq Begs .tape°-! ,Cq palldde pug patdaaae sluaw,ced
IIe `z uollaas Slgl u! paquasap aslm.Jaglo se ldaaxa •spaaao.td ao s;uaw,C>;d jo uolleallddy •z
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.spun anp sluatu,Ced Sunlutu wag aamouog analla.t Bells .tapuarl lsulae aanln; aql ill a0 moil anal 1112tu1
1amotlog galim Ulrela Io 1asjjo oN •a.lnsoiaatoj 01 .coed ,flalelpaututl atom ag1 Japun aaueieq Iedlauud
2u!puetslno aql 01 palldde aq lllm spun; tons `Jaliie° palldde sou n •JaMO11og o1 until umla.t .10 spun; pus
,tidde .1ag1!a hags Jape°-! `aucp jo pouad algeuosea.t a ulillm os op toil saop .Jamollog 11 lua Ina ueo-1 ail
5upq 131 luaut,ied saptu .tamo.c1og !pun spun; pal(ddeun pus ploq ,Cent iapua-1 •spung paliddeun uo tsaaalul
,Cud 1ou paau °°pearl uagt `asap anp painpagas s1c jo se palldde sl luauc,Ced atpol.lad pea 1I •palda3ae
ale sluauc,ced pus amp ail le sluatu,Ced pus ,cidde 01 palallgo 1ou sl 1apuarl lnq `a.tnln; aql u! sivaw,Ced
Iepied .10 luaur,Ced gans asnjal 01 stg2p sll 01 aalpnfald Jo .tapunaaaq st1141 ,Cue 10 .lanlem inogllm 'maim
ueo'l uliq 01 1ualag;nsu! luaut,Ced Iep.Jed .ro luaut,ied ,Cue ldaaae hut .tape°-! •lua.t.ma ueo' ag1 $uuq
of lu3lal3lnsul a.te sluauc,ced Ie!1.ted Jo luaut,ced 0141 1uaut,Ced !awed Jo luam,ied ,Cue =tat ,feet .Jape°-!
•SI uollaas u! suols!nold aa!1ou aqt 141lm a3uep.1oaae u! Japua7 Cq paleu2!sap aq hut se uopeaol Jaglo gans
1e .10 atoll ail u! paleug!sap uopeaoI am le pan!aaat uagm aapua-1 cq panla3a1 pautaap ale stuaur,ted
•aajsueij spend aluouaaig (p) 10 .10 `,i1lleluautrulsul `,cauae IE.Iapa;
e ,Cq pamsu! 0113 s1!sodap asogm uollnlllsul u1; uodn ume.tp s! pap ions ,cue papinold `Xaaga s,.1a!gsuo
ao plaaia s,ia.msea.tl 'pap 4ueq `)!a0i3 paljt1.1aa (3) !Jaw() bum (q) !Tim (e) :.lapuarl Cq palaalas
se `sutlo; 2ulmolio; 0141 ;o 010111 J° auo 111 apeur aq 1uatututsul ,C1!lnaas slit pue 010N aq1 Japun anp
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oti72� Cal
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
-6(WY) (0005)
Page 5 of 15
Initials: 1" 6 It
506
Form 3051 1/01
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saws a ui 10 1UOUISed ajpuis 9 ui uoilu1ots31 puu s1!9dal aql .to3 spaaooid asingsrp Amu .tapua' •S11dwo1d
mellapun aq Hugs uoiloadsui tons 1eg1 papino.id `uoiloe;siles s,.1apua1 o1 palaidtuoo uaaq 5914 3110M
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11Vi1u 10 1421111 lnq `iapual 10A00 hugs 02910A00 gons `a1ooa1agd, •02910A00 3O lunoul9 10 ad1Cl 19jn0i119d
,Cue asEgolnd o1 uoilt$ilgo ou lapun si lapua-1 •asuadxa s,lamollog pue uopdo s,lapuo' 19 `0291ano0
aoutlnsuj melt° iC9u1 lapua'l `anog9 patilosap sa2elan0O ag1 3O Au9 ui9luietu 01 sjit3 10M0110g 3I
1amo110g ,tq uoiloafgo ue luo13 2uillnsal uoil9uiu11alap auoz poo13 /Cu9 3O M31n31
alp tl11M uoiloauuoo ui Aoua2d luatua2euelA" ICoua2latug 191apad am A pasodull saa3 Atm jo luatuXed
aql 103 algisuodsal aq 0519 119gs 1aMO110g •uo119oi3111ao 10 uo {feu {tulalap gOns 100339 142jtu X(g9uoseal
go{gM Irmo sa8u9g0 1u11tuis 10 s2ulddutual amp goes 5021940 luanbasgns pug SOOEAIOS uo {1tojji11a0 pue
uoifuu1w101ap auoz pooi3 10j a2lugo au1i1 -auo u (q) 10 :saOinlas 2un10e11 pue 1101190[3[1100 `uojleujtulafap
auoz pooT3 1o3 021940 311111 -auo u (9) :1atlia `ueo-1 sits g4M uopOautmo ui `,Cud of 1aMO11og alinbal
,Cetu lapua' •Alg9uos9alun pasiolaxa aq 1011 ((24s 11(211 1OigM `00!040 s,1aMO11og anolddesip 01 142!1
s,Japual 01 10afgns 10101101( Xq uasogo aq hugs a0t191nsui aq1 2 uipinold 1a {1190 a0u91nsui 04,b •u90r1 aq1
3O tu1a1 aql 8uilnp a2u91(0 1190 sa0ualuas 2uipaoald alp 01 luunslnd saltnbal lapua'l 191(M •saltnbal lapual
191(1 spoilad 041 103 pug (slam( a(q(lonpap 2uipnpui) s1u11otu9 041 u! pa11191u19t11 aq Hugs aOuelnsu{ s {1(J,
•aOu9msul sal {nbal lapua' gojgm 1o3 `spool3 put sa)lenb4119a `01 palitu {I tot! lnq `2u!pnpui spltz9q 10410
ICu9 pue „`0 910A00 papualxa„ mat 041 u[gl!M papn(oui swung `OIi3 Xq ssol 1sui929 palnsui ,C11adoJd 0141
uo pa10a10 101390104 10 21.1451x3 MOU sluau13A01dulT am daaN Hugs 1aMO11og •aoulunsui £;1ado.id •S
u9o-( sigl g11M uopoauuoO ui lapua'( A pasn 3oinlas 2uillodal
10 /pue uoi19o111an xe1 alelsa leas 9 103 021980 atujl -auo 9 /Cud o1 10101101( alinbal ,Coto 10U0(
j7 uopoas sign ui 3nog9 41103 las suopou 01(130 310111
10 3110 0)j91 10 aail 3111 i Js119s 11914s 1aMO110g `uan15 si a0(1ou 191(1 go[gM uo amp 01(130 siC9p pl uig1(M •001(
t0S "1997.1.S0 �0
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 liy
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 sixty days after the execution of this Security Instrument and shall continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating
circumstances exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the
Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in
order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is
determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall
promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower
shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such
purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of
such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information) in 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
-61WY) (9904).02
Page 7 of 15
Initials: T6
508
Form 3051 3/99
L 0/ L L 50C wicod
s 1ehlu l
5 L JO 8 abed
'pUnjaa Sun o; Jamo.uou ai ;f;Ua ;OU i[IM ,fag; pue 'aaueanSUi a2e2;.f0 AJ ao; amO HIM daMOJJOg
;unowe aq; aseaaaul ;OU ll!M S;UaWaaade flans 'ueo'i all; JO stun; .lag ;o Sue JO 'aatnunsui a2e2;,loit[
IN fed o; paaate seq as toa.log 3111; s;unowe aq; pa33e ;ou iiJM s;uawaa.lLe tans ,fuy (e)
:lagund „•aouwnsuial an[idua„ pauual ual)o s[ 1u3uw32ues.n? 041 `1alnsui alp 01 Ned stuniulald
041 3o amp u 10 aSumpica ui )isu s,lalnsui atp 3o aim a swim lapual ;o ammo ue 1141 sapc■old
luatuaadu qons ji Sasso[ Slipup.' .fo `31811 s,iainsui aSu2uoux aq1 SupCnpotu 10 Suuggs 1o. a$uggaxa
ui `aoueinsui aSeSuoysj 1oj sluautiigd s,lamollog jo uoiuod g (sg pazilalaulggo aq 20'1m 1o) uiou anpap
mill slunouie (iC[10aitpui 10 'Ciloa.zip) °Afa0a1 Xgtu `dul0Bai0J all Jo 'fue 3o algnl33u ,Cue 10 .faglo Iiue
`iainsuiai ,Cue `iainsui iaglouu `aloN aql jo iasegaind Atm `lapua-i `sluautaade asagl jo 1[nsal a sy
(sumituald aouelnsui
a2uSIJovi uzolj pauiuigo spunj apnput ,Guru ga[gm) aiquiiene angq /Cum .iainsui aSallow alp 1ug1 spunj jo
aolnos ,Cue Suisn sluaulAud o3luuz of 1alnsui aSeSuouf all almbal Amu sluaulaal2u asagZ •sluaucaade asall
of (saiuud 1o) /i11ud .iaglo 041 pue .[ainsu[ aSESllotu all of £iolaujsues am leg( suo[upuoa pue 811[101 uo a1e
sluawaa.du 08041 •Sasso[ aonpal 10 `31su .liagl Anp0W 10 antis legs saw d aaglo gum sluaWaa1 olui .ialua
Amu pug `au 01 au wag aaioj ui aouemsu[ 'ions lie uo 3isi1 [11101 Hall a1En[ena slainsui aSeSlloiN
•aauglnsui
aSuSuovl aqi o1 (Cued a lou sf Jamol.log •paadu su uvoi Audai lou saop .i3M0JJOH 3i .moue /Cum
1! sassoi uiguao .zoj (aloN all sasugaind lugs Alilua Auu io) Japual saslnqunal aouginsui auSiJoyi
•aloN 041 ut papino.1d alga a le Isamu! /Cud 01 uoiluBHgo S,1am011og maim Oi uoilaas
sill ui Suiilol\[ •mgZ alquoilddy iCq paiinbai si uoileuiuual [[fun Jo uopuuiuual gons 103 Suipinold .rapual
pue .amo.uog uaamiaq luaWaaI uallllm Xuu gum aougpl000u ui spua aouwnsui aSuSl.fovi .1oj 1uauIaunbal
s,lapuaq spun `amasai sso( aiqupunjaa -uou a apinoid 01 10 'papa ui aauelnsui aSalsow u[glu[eW
of pannbal sumiwaid amt /Cud (legs 1amo11og `aauuinsui aSuSuow io; sucniwaid 041 pzemol sivawiCed
palgudisap Aialundas a3[gtu 01 paunbai sum 1amo11og puu ugo'i 041 Supletu Jo u0ilipuoa g sg aoueznsui
aSa110w pal nbal .fapua13i •aoumnsui aSuSiJovi 10j suimuiald aql p-1eMO1 sluauf/Cud paluudisap ,Clalglgdas
sagnbai lapua'i puu `pautglgo s[ `aiggHenu sawooaq uiae .tapuari ,Cq palaalas .fasnsu► uu Aq papinold
(salinbal lapua -i fell pouad aql .lo; pug 1un0tue 041 ui) agl3n00 aouulnsul 021 1101Al 31 swam/cud amasai
sso[ aimbai 1aSu0[ ou Imo lapual •0nlasa1 sso[ Lions uo aufulga 10 1s313111i ,Cue .famoiiog /Cud 01 pannbai
aq 1ou Hulls Japuag pug `Hn3 ui pied /C[aleunl[n si uuo-i aq1 fell louj aql Suipuuls4umlou `alqupunpal -uou
aq hugs 3n13s31 sso[ 11O1S •aauelnsui aeS110inl 3o nail ui animal sso[ a[qupunla1 -uou g se swam/Cud
asap uiula! puu asn `ldaooe iiim lapuar[ •laa ;na ui aq 01 paseaa a wanoo aaue.znsu[ aq1 uagm anp aiam
lull sivauz/iud palgudisap X[algledas 0111 ;o lunoufg 0111 .fapua'i 01 /Cud 02 anuilu0a Hugs 1am0110g `a[gRHgne
lou st a2u10A0O aaueinsui aSe21101A1 1ua[gninba X[[mluelsgns 3i •topuarl iq palaa[as Jamsui aSe$11otu
011111011 ue utou3 'paw ui /C[snoinald 3311E11 E111 a5u2110 A,[ 041 J0 13m0110g 01 1800 041 01 luaiunmba
/Ciigiluulsgns lsoo a Liu `loajJa ut iC[snoinald aouwnsui a2u2210 4 a41 02 lua[unmba Aimpuulsgns 02g10A00
utulgo 01 pagnbal smniuiald a41 /Cud (lugs 1amo11og `aouglnsui a$u2110N .Io; suiniu►aid all pmmol
sluam,iud paluudisap /C[alecedas a)igtu 01 pannba.i SEM 13m011013 puu a0uulnsui Ions papinold ,C[snoinaid
W41 nano! 0 1i 11ow a41 U1013 alqul ene aq 02 sasea0 lapua-1 /iq palmbal aSu1an00 aouelnsui au2110JA 0111
`uosual Auu 10 ;l •100330 ui aauulnsui agu$11ow all uigluigu[ 01 pannbaf sfun►ulald am ,Cud [[eqs 1amO110g
`U 0' 0141 Supivw 3o uoilipuo0 a se a0ue.msul a u2110V1 pagnbal .lapua'i 314 •aaueansui a2ea3Joytl •pi
•Suilclm ui 1a$lauf 041 01 saadu Japuari
ssa[un Amu mu Hulls 01111 aa3 041 pug pIO4asua[ 0111 `Xuad0ld agl of 012(1 aa3 sannbou .iamoaiog 314 •asua[
041 3o Suoisinold all lie gum Siduzoo Hugs 1am0110g `p104aseai u uo si luaunuisu[ iCUm0aS 5141 ji
luaw/Ced
Sulisanbai 1OMOJIOg 01 Iapual 111013 a0!10u uodn `lsalalui Lions llim `a[quAed aq Hulls pug luautasingsip
3o amp all U1013 ales aloN 041 Liu 2sala1U1 maq Hugs slunouIu 08341 •luatunllsul Sulfas pam0as
IamoIog jo igap lguoiuppg aulooaq Hugs 6 uopaas sill lapun lapua'i iiq pasingsip sluno= /City
6 uoilaas sill .iapun pazuoglne suopou
Hu 10 Aug Sup[el 1011 103 iil[[iqull ou smoui lapua-1 Imp paaiSe si 11 •os op 01 uo!la1lgo 10 /Clnp /iuu lapun
1011 Si pug os op 01 aim 1011 saop `6 uoilaas sill lapun uoilau 03(11 /Cum .iapua'I 4Snotilly •33o 10 uo
paulnl saili[11n aim pue `suompuo0 sn01a$ugp 10 suope[o[n apo0 10410 10 Suipimq aleutun[a `sa wag
1a1gm U1 1p `smopu!M puu sloop do plgoq 10 aou[da1 `831001 aSue40 `sngdal a3[utu 01 'illad01d 341 Suualua
`01 pal1unH lou s[ lnq `sapn10ui i11ad01d all Suunmas •iuipaa001d Xoldn13(ueq u ui uoilisod pampas 81!
Suipn[aui `luaumllsui iflim0as sup lapun s14dt1 10 /pug iflladold 0111 u! lsalalul 81! laalold 01 8003 ,8X01110111
60S 'LY171.1 Rol
Is000l (AM)9
lo
OS7 (iUU►1. 510
(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.
-6(WY) (0005)
Page 9 of 15
Initials: 1' (t&.
Form 3051 1 /01
L0/1 150E WJod
sie!71u1
9L1
(9000) (AM)9-
•1uatunilsul
Aginoas sup aapun lu0uuaalnbal Buipuodsauoo alp Xjsnes film luauuaunbat mg-1 alquogddy atll `mtZ
algeo[Iddy .aapun paalnbal osfe si Iuauunllsul Allmon sup pagnba.1 aoilou ,Cue if •.Iapua- ,iq pantaoai
'flen1Oe 'gun 1apu0-i 01 uan►2 uaaq aneq o1 pawaap aq 1ou Hugs luawnilsUl 'ClfJnoas 5[141 qum uolloauuoo
of aoflou Auy •.13mo.uog of aoflou ,iq ssaappe .Iagloue paleuS[sap seq aapual ssa[un ucataq paws
ssaappe s,a0pual 01 luau sop lug Aq 1! 2uifieUI .iq .10 1! 3uuanflap uantg aq Hugs .Iapuai 01 0Ol1ou
I Uy •atoll auo Aug lg Iuauttuisul 'lllnOas sup Iapun ssalppt aopou paltaisap auo ,C[U0 aq Meru aaag3,
•a.mpaooid patjfoads imp g2nonp ssaappe jo amp a Ilodas Apo Hugs lamoIog uagl ssaappe jo auego
s,Jamoaaog 2uuiodat ao3 aanpaooad t sayioads aapun' 31 •ssaappe jo a2uttp s,lamo.uog 3o aapua7 A3ilou
iifldtuold Hugs aamoaaog •aapua-i of aopou Sq ssaappe aopou alnipsgns a pa1eUSlsap seq aamoaaog ssafun
ssaappy S1ladoad 0141 aq Hugs ssaappe aopou aqj •asimiaglo sannbai X[ssaadxa mg'I afgeogddy ssalun
slamofog Ike 01 aoilou alnitlsuoo Hugs aamonog auo Mull 01 aollo[q •sutatu Jaglo Aq was 3l ssaappe aopou
s,Jamoalog 01 paaanf[ap iillenloe uagm .10 11etu solo lug Aq pall= uagm aamoaaog 01 uani2 wag aneq
of pauiaap aq Hugs Iuatunalsul Ag[moos sup qum uolloauuoo U! aamoaaog 01 aallou Xuy •2U lum of aq 1sntu
luauUnllsu[ 'i1anoas sup qum uolloauuoo ut lapual a0 aamoaaog uantS saoUou Hy •saaf;oM •SI
a2aegoaano eons 3
lno 2uIsue anug 1142nu aamoaaog uotloe 30 114211 tug 3o a0nigm a alnlilsuoo IIIm aamoaaog 01 Iuaw ed loaalp
iq apuut puma' Bons Aug jo aoueldaooe s,aamonog •(a1oN 0141 aapun 1o3 papfnoad sf aatugo luatuifedaad
e Iou a0 aaglagm) a2aego IuatuAedaad Sue Inoqum wawAudaid Iet1Ed a se 1401¢001 aq !!!An uol1Onpal
aq1 `Iediauud saonpaa pun3aa g 3I •aamoaaog 01 1u0ut&ed loaalp t 8ul)peuu ,Cq JO aloN 0141 aopun pamo
ledppuud 0141 $ulonpaa ,iq pun3aa s1141 mar 01 asoogo Aeuu aOpu0-i •aamoaaog 01 papunJaa aq !pm sliutl[
palutuaod papaaoxa gotgm aamoaaog wag paloa[Ioo Apeaale stuns ,Cue (q) put :pouf pallutuaad 0141 01 amp
0141 aonpaa 0I Aaess0o0u lun0tuu a141 paonp0a aq [legs 02aego utol gaps Aug (e) :u0g1 `suuu1g palltuzaad
0141 paaoxa truol at[1 qum uopoauuoo ui paloal1oo aq 01 .10 paloa1loo SOSaego ueol 101410 .10 1sa101Ui alp 1¢141
os palaldlalul 1Clleui3 sI mu! 1¢q1 put `sa2aego ueo[ uu wpfutU slas galgm me[ a 01 warps Si ue0'I 0gl 3I
•me-[ a[gtogddy Aq a0 Iuaumalsul Allmon sup sq pal[gl14old Aissaldxa aae Imp saa3
a21epO Iou Amu Japua-[ 003 lions 3o 2U!211 qo alp uo uollIglgoad t se panalsu0o aq IOU Hugs aamoaaog 01 00J
olgoads u a2lego 01 luatunalsui Alt1no0s s[ql u[ Allloging ssaidxa jo aouasge 0141 'sag aa1410 Aug 01 p1e201 ul
•saa3 uogen[tn pull uogoadsuf iClaadold `5003 ,SriaU1011e `01 pal[ml[ 1ou lnq `2ulpniouu `IuaumalsuI iilunoas
s1141 aapun 5114Su pug AuadoJd 0141 ul 1satalui s,aapua-1 2ulloaload jo asodlnd alp Jo lInRJap s,a0mo11og
g1[m uolloauuoo ui pauuoJaad saolnaOS 103 saa3 aamoaaog a2lego Meru aapun -I •sanegD ueo-i •bI
•Japua'[ 3o su2[sse put saossaoons aq1 113auag pug (OZ uolloaS
ui pap[noad se Idaoxa) putg hugs luatunllsu[ /Clunoas sup 3o sIUauuaat2e pure slugu0noo 0111 •2u[lum
ut 30010a lions 01 saat2u aapua-i ssalun luatunalsu[ /ClunOOs S!11 aapun Alll[gell pug suollg2tlgo s,aamoaaog
uu0a3 pasea[01 aq IOU Hugs aamoaaog •luauutulsul ,flunoas sup aapun sujauaq put s1142u S,lamoluog 30 11e
utelgo Mugs `aapua-I panoldde si pug `2uilum u[ 1UOuun11sul ,Cl sup aapun suotle2t[go S,a0M01aog
satUnsse own JOMOJJOH JO lsaaalul uI aossaoons Aug 'sr uolloaS 3o suols[noad 0141 01 Ioafgns
•luasuoo s,Jau2is -oo
0141 1n0141[m a10N alp 10 Iuauun.IISUI i(1unOas sup 3o suual agl 01 p.g2a1 qum suollepotuuz000e ,Cue o p w
10 mpg `,C3fpow 'puma o1 aa12e ueo aamoaaog 101410 duet pue lapual Ie141 saaa2e (o) pug `.luaumalsul
iIlanoas sup xq pampas sums 0141 Aed o1 pale2l[go iClleuosiad Iou st (q) :Iu0UUn11sul Alunoas sup 3o smaal
a141 lapun Alaadold alp ui lsaaalul s,1au2[s -oo 0141 ,Canu0O pug 1U .12 `3$e2IJow of /C[uo IUauttulsu[ AgmoOs
s[q1 2uiu2is -oo st (g) „aau2is -oo„ e) 010[ 0141 alnOaxa wit snap lnq IuatunalsUI /Cl sup saals -0o
own aamollog ,iue `lanamofl •1glanas pug Iulof aq [legs pue suopt2Ilgo s,a0m0a10g 1¢141 sa012u pue
s1UeU0A03 a0m011013 •punog suafssy pue saossaoons SJau2fs -op :,f;f[!gen leaanas pue mot. •£I
•iipauUal to 11441 Cue 3o aSTOaaxa 0141 apnloaid
10 JO laniem a aq IOU hugs `anp uagl Iunotue 0141 uegl 5501 slunouuue uI 10 aamoaaog 30 lsaaalu[ ui saossaoons
10 satlllua `suosiad p1Ig1 wog sluatu1ied jo aoueldaoog s,lapua-[ `uollelluul[ 1no1411M `2uipnloui Apamal
10 Iq$u Witte 2ulslataxa UI 1apual i q aoueltagao3 Xuy •aamollog 30 lsaaalul ui slossaDOns Cue 10 JOMOJJOH
IeuI�I10 0111 Ag apetu puguuap Aug 3o uoseaa ,Cq Iuauunalsul Allmon sup Ili paanOas stuns ag13o uollezllaoutu
/3ipotu asimlaglo JO 1u0tu1Cgd ao3 atoll pualxa 01 asnJaa 02 .10 aamoaaog 3o Isatalu[ of Jossaoons iiue
Isule2e s2ulpaaoold 0ouauauoo 01 pannbai aq IOU Hugs aapua1 •aamoaaog jo lsaaalul uI saossaoons Aug .10
JOMOJJOH 3 ,Cguqu4 a °sealal 01 aiglad0 loo Hugs aamoaaog 3o IsaaaIU[ uI aossaoons LCue 10 IOm011011 01
Japua'I Aq paluga2 Iuaurnalsul XIUnoas sup Act pampas stuns 0142 3o u0I1tzI11otoe 3o uotluOtjiPOUI a0 1Uatu,ced
103 atoll 0111 3o uoisualxg •aanfeM a ;ON .iapuari ,Cg aaue.teagaoj :pasea[ag ;0N JaMoJJog •Zi
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
C)-6(WY) (0o05)
Page 11 of 15
Initials: V 1�
512
Form 3051 1/01
L0 /L L90£ WJOI
EI
B L to Z L abed
190
dnugalD tetuatuuortnug ue z0J zapual
uo uogallgo /Cue aluazo !legs ulaiat 8 utgloN meZ leluautuortnug gum aougpz000e ut suotlou wawa!
(r ssaoau Ile art Alidtuozd (lugs lamo.uos `iCtussaoau s! <Cuado1d alp 2uUOa33m a0ueisgns snopaezuH icue jo
uofulpauta.t .caul° JO Junoutat At m lute `Cued alunud Attu zo `Suzogine Xzoluln2a.t zo Iuluautunna Cue �Cq
poijuou si 10 'sum' .iamoJ1og 31 •Auadozd atll jo amen agi smile ,tlaszanpu gotgm aouulsgns snop1uzuH
jo asuala.t .to asn `aouasazd alit pasnmo uotltpuoo Auu (o) puu `aauulsgns snoptuzzH Cu ,m jo amp.'
jo lea.ttp 10 asualat `a2.regos►p `Buplmal `'utlltds Auu `01 painutl 1ou lnq Sutpntout `uotltpuoD lgivatuuortnug
,Cue (q) `apalmoux luniou sett zamozzog go!gm jo me'l Iuluatuuo.t!Aug 10 aauulsgns snopzuzeH
iCuu pug iCuadozd agi $utnlonul ,Cued alent1d .to ,Couage £Ioleln8a1 10 Imluautu1ano8 Xuu uopoe .iaglo .to
itnsme! 'pump `tutee `uotle8Usanut Xuu (u) 3o aotlou uailum zapuarl ant5' iClldtuozd Hugs zamozzog
•(stonpozd 1atunsuoo ut saouelsgns snopzezug `o1 pattedg iou inq `8u!pntout) /Cuado.1d ag13o aoumualu!uut
01 pug sasn Iutluap!sat tuttuou 01 atupdozdde aq o1 paztu800az ,Cltu.taua5 azg 1gg1 saoumisgns snopauzuH
jo saggugnb !guts jo iCuadozd ag1 uo 02E101S 10 `asn `aouasazd atli o1 Slddg 1ou lugs saouatuas omi
2utpaoazd agj •Suadozd aq1 3o amen ag1 stooge /Clasianpu imp uotltpuoo a sawn aouulsgns snop.rezuH
u jo asualat 10 'mu `aouasaad alit of anp `gottlm (o) z0 `uotupuoD tuluautuo.tlnug ue saluaio gotgm (q) `Mir
Imtuatuu0ztnug iCuu jo uotlulotn u1 Si 2111 (u) kuadotd zip u1oaJ3u 8uupicuu `op 01 asta auoiCue mollu zou
`op lou !lugs zamozzog •,Cuadozd aq1 ut z0 uo saoumisgns snopzezhH ,Cuu aseala.t 01 U 1eazgl .10 `saoumisgns
snop.rezuH ,Cue Jo asgalaz z0 `a2ezois `tusodstp `asn `aouasazd alp utuzad z0 asnuo lou Hugs zamozz0g
•dnuuaID
Ieluatuuortnug ue za23tz1 astmzaglo 10 `01 ainquluoo `asnuo ue0 Imp uotltpuoo u sueatu „uoptpuoD
Iuluautuat!Aug„ um (p) puu `mil tutuatuuortnug ut paugap sg `uotlom Imnotua.t 10 `110t1oe !mtpauta! `uotlom
asuodsa.t Auu sapnlout „dump Imluatuuo.t!Aug„ (o) :uotloalo.td Ietuatuuortnua z0 Slaps 'wing 01 alelaz
Imp pale°°r s! iCuadozd agl a.tagm uotlolpsunf ag13o smel puu smu! tamp suuaut „egg leluautuoi!Aug„ (q)
°sleualetu antlogotpmz pee `apicgaptetuto3 10 solsagsu 2ututmluoo sIgualeut `sluanlos 3It1uI0A `sapiotgiaq pum
saptotlsad otxol `slonpoid tunaloziad otxot .10 alggtuumg zaglo 'mason)! `augosu2 :saouelsgns 5u!mouuo3
ag1 pum mu-1 Igluautuo.ttnug ,Cq salsem 10 `sluminlod `saouelsgns snop.tezeg z0 otxoi s1 paugap saoumisgns
asogl azm „saouglsgns snopzmzgH„ (u) :IZ uotloas slit ut pasn sy •saaue ;suns snopJezBH •1z
*OZ uotloas stgi Jo suotstnozd uopoe
antloa.t.too 0)Ig1 01 /C2!unl1oddo pug aotlou atll dC 01 pautaap aq hugs 81 uopoas 01 iuunsznd .tamo.Uog
01 uan!2 uoUR1alaoou Jo aotlou alp pue.ZZ uotloas 01 luunsznd 1amo11og of uan!2 aim 01 iCl!unl1oddo
puu uopetalaooe jo aotlou aqj •gdei8g°red slip 3o sasodznd .ioj atq uosua.t aq o1 patinae aq film pouad
atutl imp `ua)Ig1 aq ego aotlou utg azojaq asdgla isntu t(otgm pouad aut11 g saptnozd mg-1 alquolddy
3I •uopu anioazzoo art 01 aotlou lions jo &u!A!2 agi iaiju pouad atquuoseaa g olang Xt.tud zaglo
alp papao3 u puu goga.tq pa8allu lions jo (gj uopoas 3o sivawazmbaz agi qlTM aouettdmoo ut 'uan!S aotlou
twns gltm) ,Cued zagto alp pa1Jtiou sett zapuarl 10 zamozzog lions !tun `tuatunzisul 1 itm0as stgl `Jo uoseaz
,Cq pamo iCinp Xuu 10 'JO uotslnoJd Aug pagouazq set! ,cued .taglo agi lgm{1 saaallu Imp 10 tuautnzlsul ,Cuznoas
stgt 01 iuunsznd suot1Ou s,,Cizgd .tali!° atll wag sastzg lug! (ssul0 g jo zagtuatu agi z0 wag!' Ienp Alput
tie zagua se) uotloe lmtotpnf Attu o1 pautof aq 10 `utof `aouauttuoo Agtu .tapual .toe .tamo.uog zagllaN
°zasegpznd alolg agi i(q paptnozd astmzaglo ssatun zasutlaznd atoN atll (q patunsse
toll WE pug laotnzas uu0'1 zossaoons g of pazza;sugzl aq JO za0t113s uuoi alp gum utgtuaz !gm lamozzog 01
suogugggo 2utotnzas egoi a8u81zout agi `a10N ag13o zasggoznd aq1 uutp zagt0 zaotnzas ug01 e paoinzas
s! uuorl at11 za1Jeazag1 puu !Nos st aloM aq1 JI •2ut0tnzas 3o zaJsugzl jo aotlou a gltm uogoauuoo ut sazmbaz
0S'7:61 51 4
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.
-6(WY) (0005)
Page 13 of 15
Initials:
6 14
Form 3051 1/01
LO /L L 90 WJOd
1aM011og-
1aMO11og-
(Igas)
1amOLOg-
(Igos)
1aMO110g-
STS
5l !o 4l aBed
1amoiOg- 1aM011011-
(loos) (pas)
SaN J )1
1aM0110g-
(m s)
1aM0110g-
(Iga
(2000) ()tM)9-CZ:,
:sassaull•
1l gilm pa111o3a1 puu .iamoiaog Aq painaaxa Xuu ui pug waum.nsul XlpnaaS
slgl ul paulgluoa sumuanoa pug suzaal a p 01 saa.du pug sld000u 1amo.uog `MO °MINOIS AB
T197.1R0
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9 L Jo 9 L abed
oilgnd ,CJ ON
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30 TiliS3
mow) (AM)9-
saita uotssiwworlW
`3:)111
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vend MNION WINNOW 'N VONVM
:saiidxg uo[ss[uiwoD AIN
Rail 9 'ID L J J d Aq
1 00? 1 11£1 L lady s[q1 oui =jog pa2patmouxae sem Iuawn.nsut 2uto2aioj
NOON I1 9NIINIOAM 30 LLV1S
TITZ IAO
(b ?2 iC1
517
Lot 4 of Block 5 of the Lincoln Heights 3rd Subdivision to the
Town of Kemmerer, Lincoln County, Wyoming as described on the
official plat thereof