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HomeMy WebLinkAbout87252502014378 8514699 Return To: WELLS FARGO HOME MORTGAGE, INC. 3601 MINNESOTA DR. SUITE 200 BLOOMINGTON, MN 55435 Prepared By: WELLS FARGO HOME MORTGAGE, INC. 1919 DOUGLAS„ OMAHA, NE 681010000 DEFINITIONS 872525 [Space Above This Line For Recording Data] MORTGAGE WYCM- 3051 -C -1 RECEIVED LINCOLN COUNTY CLERK BOOK 462 PR PAGE 18 5 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 datedAPRIL 03, 2001 together with all Riders to this document. (B) "Borrower" is AUTUMN L. CONNOLLY A SINGLE PERSON Borrower is the mortgagor under this Security Instrument. (C) "Lender" is WELLS FARGO HOME MORTGAGE, INC. Lender is a CORPORATION organized and existing under the laws of THE STATE OF CALIFORNIA WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT ®6(WY) (0005) Page 1 of 15 Initialsi� VMP MORTGAGE FORMS (8001521 -7291 11 01 APR-5 '.H l! t O 3 J E AN N EWAGNER I <EMMERER. 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TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 2, RIVERVIEW TOWNHOMES ADDITION TO THE —TOWN OF ALPINE, LINCOLN COUNTY, WYOMING, ACCORDING TO THE PLAT FILED OCTOBER 4, 1995 IN THE OFFICE OF THE COUNTY CLERK AS PLAT NO. 264 -G, INSTRUMENT NO. 809294. THIS IS A PURCHASE MONEY SECURITY INSTRUMENT. TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, INC., P.O. BOX 5137, DES MOINES, IA 503065137 Parcel ID Number: 1080 0 which currently has the address of 210 SNAKE RIVER DRIVE #2 [Street] ALPINE [City] Wyoming 83128 [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: -6(WY) t0005) Page 3 of 15 187 Form 3051 1/01 LO /L L90£ WJOA 88T 9140gabed 190001 (AM)9 slunoum am `aiquAud alagt pus mum `Ajloaltp iced !lugs iamouog `1anluM lions 3o ma to alp uI 1m1!M u! aq Ajuo Amu .iantum gans Auy •atop Aum 1u small mozosg jjt so Atre .ioj spund iapuaj o1 Atd 01 uopapgo s,Jamo110g an1um Amu .iapua-I •salad mama llu i0 Aug 10j spund aql 1 d 01 uouaijgo s,aamouog samem 1apuai ssajun small moiosg .103 spund agl .iapua -1 Amd !jugs aamonog •uoiloas sup .iapun ptud aq 01 slunoue ;o saotlou jju iapuog o1 gstu. nj Alldmozd !jugs iaMOiiog 'Ulan mama uu aq pugs sluauissasse pus saa3 `sanp lions put `aamouog Aq pamolosa aq `Auu 3! `sluauissassd pus `saad `sang uotlutoossy ,iltununuoj lugs annbai Am zapuarl `uuo'l am 3o uual 0141 But.inp amp Auu lu io uot1eut410 ly ;small moaosg„ pajjuo aiu small asata •pj uopoas Jo suoisinold a141 grim aouupioom ui sunuutazd aouuinsul a2u2uoj, 3o luatu d atj 3o nail ut .zapuoZ 01 J3MOI.1011 Aq algEAtd suns Aug ao 'Aug 3t `suntuaid aouunsui auguoN (p) puu :S uotloas .zapun iapun Aq pannbat aouuansut llm pus Aum ioj smnlulazd (o) :Attu 3! `Auado1d 0141 uo sluai puno12 10 s3uoWAtd Notional (q) :Auadold 0141 uo aouuzquznoua JO sail m st fuaunllsul Allmon sup Jam Aloud stuns treo goigM small 101410 pus sluamssassu put saxtl (t) :.ioj anp slunoure 3o luotu d .103 aptnoid 01 „spung„ alp) inns u `Iln3 ui mud st aloN agl 'pun `02ol.4 0141 iapun anp a.re sluamAtd o!po!aad hp agi uo mpual 01 Atd jltgs iaMOiiog -swan Moaasg aOJ spung •s1u0WAmd oipouad am JO 'immure alp a$um14o so `01up anp 0141 auodlsod 10 puma 10u Hugs aION 0141 iapun anp jtdtouud 01 spaaoOJd snoauuJaosm .10 `spaaooid aoutsnsui `sluatuhd 3o uopuoijddu Auy •01oN ag1 u! pagposap sm uagl pus so iego mom /Maid Atm 01 lsiu paijddu aq pugs sluamAmda.ld A.relunlon •anp sagrego 01u! iuu 01 paijddu aq Amu ssaoxa Lions `sluamAud oipouad 0101.11 10 MO Jo 3uaWAud jlnj a141 01 paijddu s! 1uatuAud alp Jour slsixa ssaoxa Atm lute lualxa alp oj, •I4n3 ut mud aq uto 1uatuAud 14oma `1tg1 fualxa a141 01 put `J! s1uaWAmd oipouad 0141 JO 1uowAudai a141 01 IaMo.uog wog panlaoai luaWAed Attu Ajddu AuW .1opua-I `2uipuulslno st luaWAud o!popad auo uugl 0101.11 31 •02.1uno alts am pus luatuhd luanbuilap am 01 paijddt aq Auw 1uamAud 0141 `anp amp a1m! 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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) 10005) Page 5 of 15 Initials: 189 Form 3051 1/01 LO /L LYOE WIOj 9 to9 e6ed s�eiliu� 9000) (Am)9- CS) 1 mtm `anp uagl log io iamagM luaumilsui Sigmas sup Aq pins sums am of patidde aq iiegs spaaaoid aaue1nsut 3113 `pauassai aq pinoM iClunoas s,1apua -1 10 atgtseaj iCneatuiouoaa iou st uudai io uotlezolsa.i all �i °.MMOiiog 3o uoTle2t1go Otos aql aq iiegs pue spaaooid aoueinsui 3111 jo ino pied aq iou Hats .iaMOinoH Aq paute.ai `satued pum iagpo 10 `sialsnfpe otignd ioj saad •spaaooid ions uo auttuea .io lsa.iafut Cue iaMOitiog Aed of paztnba1 aq lou eggs zapuaj `spaaooid aaueinsut Bans uo pled aq 01 lsazalut saitnbai Me'i aigeoi(ddd 10 2uphM ui apetu si 1uauiaal& ue ssaiun •palaidmoo sT vont aql se sluawSed ssai oid Jo sat.ias a ut .io lualuSed ai2uts a ut uotleiolsai pue sueda' aql ioj spaaooid as1ngstp Sew zapual °Sildtuoid uaa(euapun aq Hugs uopoadsut gans 113111 paptno1d `uouoejsues s,iapual of palaiduioo uaaq 3pom alp aansua op Auado1d gans loadsut of Suunuoddo ue peg sett Japuaq (thin spaaaoid aoumnsut tons moll 01 1q2 agl aim Hulls aapua-i `pouad uopuJolsa.i pug uedaz galls 2uunQ °pauassai log st ,iumoas s,Japual pue aigtsea3 Aiieotuiouoaa s! atedai Jo uotlezolsaz 3113( `Suadoij agp jo Jtedai so uotle1Olsa1 01 patidde xi uegs `.iapua pannbai seM ague nsut gup(papun agl lou zo 1aglagm `spaaaoid aotrelnsut Cue `2upUM u aaJ5e aSi Ujlo .1aMOaaog pie 1apua' ssaiun °.1aMO1.iog ,Cq Spduioid am' iou 3t ssoi jo 3ooid mieui Situ .1apun •.iapua7 pue .1at.ue3 aaUeansut OM 01 00t10U 1du10id ant2 imp .JaM011og `ssoi 30 liana all ui •aaSed ssoi (euoiipp ue se io /pue aa2m i.iotu sg iapua'i aureu iiegs pug asn13p a2eSuotu pzepuels 13 apnput Hells ,Catiod lions `,Cuadozd all `3o U0i1Z T ipsap so `01 aeui p 103 `aapuY i(q pa.itnbaz as!M°taglo 1ou `a2e.1anoa aOUemsut 3o uuo3 Slue sutelgo 1aM0110g 3i •saotl0u teMaua.i pue suintuiaid pled jo sidtaoai tie aapua-i o1 ant5 'iildutoid netts JOMOJ.IOH `saimbai iapua'i 31 •saleoT tl.Tao J Mauac pie satatiod all poi 01 1i i1 all anal netts .iapun °aaSed ssoi teu0tltppg ue se so /pie aag5uotu se aapun alum iiegs pue `asnep age5poui piepuels a apnput Hells `satatiod lions anoiddestp 01 ltiVp s,iapua7 01 pafgns aq ins satatiod lions jo sieMaua.i pue iapual i(q paztnba.i satatiod aaumnsut iid •luaui1ied 5utlsanbaa aamonog 011apuag luau aotlou uodn 'Isamu! fans 111th `a(g13ifed aq !fells pue luatuas1ngstp 3o am) all uioi3 a113J a10N all 113 psatalut .ieaq nags slunotue asagi •luauitulsui ,1!1naas sill pampas .zamo°uog jo (gap iguopippe auioaaq imp S uopoas sup .iapun iapua-i Act paszngstp slunotu13 Cud pautelgo aneg pinoa 1aMO.uog 1eg1 aoumnsut 3o lsOO 3111 paaoxa Apueat 1g$tui pautelgo os auianoo aouelnsui 3111 3o lsoa all 113111 saBpaimourg .iamonog •233333 Ut ,iisnotna1d sum i1eLil a2ez0n03 aassai Jo JPIEPa aptnozd 1g2ttu pie Aft(tgen so mum `JtSU Sue Imlay `,Cuadozd all 3o slualuoa agl JO 'filmdom 3111 ut ttlinba S,JOMO11Og `1an%0110g paalo.id you 1112ttu s0 i11$ttu lnq `1apua-i JOA0O imp aeaanoa gans `azoJazata •a2e.i0n09 3o lunoUie .10 adS2 .ie1natued Cu e asegaind of uotl13$tigo ou iapun st .iapua •asuadxa s,.1aMO.uog pue uotpdo s,.iapual 1g `a2mano3 aaugansut utelgo Amu 1apun `anoge paquosap saeianoa al1 30 Niue menu= 01 spe3 zaMO.uog 31 •1 MoLIog Act uopoafgo tie uioa3 2upinsai uopeutuUalap auoz poo13 Sue 3o Matnal 31 11 11!M uotpaauuoa ut IiauaSV luatua ruejAI 'Cauaatatug 'mpg all Act pasoduit saa3 Niue 3o luaui/Ced alp ioj aigtsuodsai aq osie Hugs IaMOIog •uoileoptuaa .10 uotl13utuuapap lions 1aa33e 1g2ttu Stgeuoseat gatTM in000 sa3uega .Ij1UUS so autddetual atutl gaga sa3.rego luanbasgns pie saainias uotleagtuao pie uopeuttu.ialap auoz poop .zo3 a2Jutp aUip -auo a (q) zo 'saainias 2uppe.ip pug uotleagtuao `uotlguttuzalap auoz pooi3 d03 a.rega gulp -auo a (e) :lamp `ueo-i sup tp1M uotpaauuoa uT `iced of JaMO11Og a.itnba.i ,Ceti iapua-i •Sigeuosea.iun pasIO.Jaxa aq 1ou Hugs 1g5p gaup& `aotola S,iaMOJJOg anoiddestp 431 1112p s,aapuaJ of pafgns 1 M01iog Act uasola aq Hulls aoueznsui 3111 $utptno1d .iatziea aoueinsut alit ugoZ aril 3o uual aq1 Vuunp anew lea saauapuas 2utpaoaid alp 01 liens nd sa.itnbai iapun 1E •sannba.i .zapual imp spouad 3111 .ioj pug (spnai aigpanpap utpniout) slunoure 3111 ut paute1Utgui aq iiegs aoumnsut snit, •aoumnsut sa.itnbai 1apual gat11M ioj `spooT3 pue sa3t13nbluea '01 palttuti log lnq `21tpntaui surezeg Jag10 Niue pue „`a2manoa papualxa„ goal all tut pUM papnput spiezel `ait3 Act ssoi lsute& painsut iivado1d am uo papoala 1agea1ag a0 gutlstxa Mou sluautanoaduit agl daaN pegs .TaM0.1.10g •aauednsuI ,C;aadoad •g uroi sup g1tM uotlaauuoO ut 1apua-i Aq pasn aoinsas 2utuodal Jo /pue u0tlea1Juan xel alelsa iea.i a 1o3 aiega atutl -auo a lied o1 1amo.uog annbal Amu 1apua'i •t, uopoas sill ut anoge 1uo3 2 S SUOpae Oi 1 JO amt.' JO auo a)(e1 JO gat( all iC3siles (Jells 1amo.uog `uanIS St 0Ot10U 11311 gat11M Uo alep 06T am Jo step 01 UTI1 UM °uati reVriPlIARO the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in 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 -6(WY) (0005) Pag 7 of 15 Initials: 191 Form 3051 1/01 1.011. 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Sure 1amo11og led o1 palmbal aq 3ou !JEgs Japuai puu `!!n3 u! pled 1I010w!lln s! ueo'1 x141 30111 1003 0141 $ulpuu3s `alg0putgal -uou aq hugs anlasal ssOI dons •aou0lnsul aa3loN 3o na!! u! amoral ssOJ alg0pu113a1 -uou a 80 sluam1od asa111 1910301 pU0 asn `ldazoo !!!M lapuai •loa3J0 u! aq o1 paseao O 010Ao0 aOUOmsu! 0141 ua1IM anp aIaM lu s1Uam1Od paioudisap 1laielodas atp Jo !inure aq3 lapua'l 01 pied o3 anupuoO hugs 1aMO11og `ajgeponu 1019 si 0201an00 0OUO1nsu1 a'0S110JA lUalenlnba 1!lolluelsgns 31 lapuoZ 1q impalas Jamul! affallow 010010110 ue la1u `1Oa3m u! 1lsnoinald aODUlnsul a0g11oyA1 a141 Jo 1aMO11og 01 1so0 0141 01 lualenmba 1!let1Uelsgns 1600 a 1e `1OaJTa u! 1lsnolnald aOUrelnsul aa11oN 0141 01 lualOninba 1!l011ue1sgns 0 0lanoo uie3go 01 pannbal sulnnuald 0141 1od 11014s 1aMO11og `aouelnsul o o8uoj, 103 summiald aq1 pl0M01 sluamXud pa30aisap 1Claielodas a)IOm o1 pannbal sum 10M0110g pu0 aOUOmsup gons papinold (lsnolnald 10141 Jana!! aa110m 0141 wag aigepenu aq 01 sasuao lapuo l 1q palmbal O 0lanoo a0Urelnsul aa31ow alp `uosea1 ,Cure 103 `3I •1 u! aoUelnsul a$0$11ow 0143 u!uIUtem o3 pannbal smnimald alp pied Hugs 1amo11og `ureo 0111 Suplem Jo uompuo0 0 SE aDU0msu1 a50211oy%I pinta! lapual 1! •aaueansui a2t21aoytl •OT •5uiil1M u! 1aalam 0111 03 sa01g0 lapual ssalun Amu Iou !JOgs a!111 003 a141 p110 plogaseal 0141 `(lladold 0141 03 011!1 aaJ sannboo 1amo11og j1 •08001 a141 3o suoisinold 0141 110 4IIM Aldmoo hugs 10MO11og 'plolaseal 0 110 s! luamnllsui 1111noas s!1p JI •luamged 2utlsanbal 1am011013 01 lapua-1 mo13 001101 uodn `38010119! gans g1lM `alqu1od aq !legs pue 3uamasingslp Jo a1Op 0111 m01J 0301 aloN 0111 le 18010119! nag 11014s swum= asagy •luamn11su1 1C11moas si141 1q pampas 1aMO11og Jo igap lououippu amooaq Begs 6 uOpoas si141 lapun lapua7 1q pasingsip SIunome 1uy •6 19011008 Sp!! lapun pazlloglne suoi1Oe 11 10 ,sure 2Uplel 3ou Jo Snug!! ou s1n0u1 lapuai 10111 Nadu s1 11 •os op 01 uoiiailgO 10 1lnp 1(uo lapun mu s! pure os op 01 anvil Iou saop lapual 4 6 19011008 81141 1apun 1901100 0)101 Amu lapua-1 Onoglld jj0 10 110 pa11n1 sanililn 00014 pu0 `suolllpuoo snola2u0p 10 sUOI1e10in apoo 101410 10 5`ulpllnq aIeum `sadid wol3 lal0M urelp `smoputM pu0 sloop do pleoq to aooldal `slool auego `sllodal alum O1 Auadold 0141 �Uilalua `01 pa11m11 1019 s! inq `sapnjoti Auadold alp 5UUnoas •2utpaaoold 1oidnnIueq a ut uotllsod pampas s1! 3utpnj0Ut `Iuamn11su1 1lilnoas s1143 lapun s1g511 10 /pu0 ivadold ag1 u! 3sa101U1 S11 100301d of saa3 ,sSouloilo 0875 (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) 1.93 Initials: A Page 9 of 15 Form 3051 1/01 LO /L LSOE 'mod 9 10 OL °Bed SIeu!ul PFT MW (AM)9 vs, luatutulsul Sumoas sup iapun luatualmbal 2u!puodsauoo aq1 tijspus !!!m luatuaunbal m87 aiquonlddy ail `mei algeotlddy lapun palmba.' osle s! luaunulsui Aitlnoas sup Aq paltnbal aotlou t(u8 3I •lapuaj tiq pantaoal Sum= Ttiun lapua-i 01 uant2 wag an8t 01 patuaap aq lou IT814s luatutuisui tiitmoas sup gitm uopoauuoo ut aotlou tCuy •.1amo11og 01 aopou Aq ssaippe lagiou8 pal?u2isap set zapua-I ssalun 11!0.1014 palms ssaippe s,iapua o1 um' sop isig t(q it 2uTiT8uw Aq .zo 11 2uuantiap tCq uant2 aq Hugs iapua7 01 aotlou Stiv *amp auo Sub 18 ivatunlisul A l!moos sup lapun ssa1ppe aotlou pairu2tsap auo SCluo aq !Cum magi •ainpaooid pagtoads legl g2noitp ssaippe 3o a2umgo 8 uodal /quo !lugs iamonog uatp `ssalpp8 jo a2trugo s,lamouog 2utuodal 1o3 ainpaooid a sagtoads lapua7 31 •ssa1ppu jo auego s,10mollog jo lapua7 tCjTou tipdtuold Timis 1amo11og •lapua- 01 aotiou tCq ssaippu aotiou alnljlsgns u pai8u2tsap seg lamouog ssalun ssaippv Suadold ag1 aq !Tugs ssaippm aotlou at,i, •asimlaglo sal t(issaldxa mul aigmotiddd ssalun slaMollog !Tr 01 aotlou a1n1t1suoo !Tugs lamollog auo Attu 01 ao!10N •sueatu lagio Al lugs 3! ssalpp8 aotlou s,lamouog o1 palan!iap ITTenloe uatm to HEW ssrp lug t(q pilau uatm 1am011og 01 uani2 uaaq aim! 01 pamoop aq hugs luatutulsui tilt lnoas stgl gltm uopoauuoo uT lamouog 01 aotlou tiny •2ut1!lm 111 aq isms" 1uatmulsul iCltlnoas sup g1Tm uopoauuoo ut lapual to lamollog tiq uant2 sao!lou ITN •203!101\! •a2/ugoiano lions 30 1no 2u1s11e aneq 1g2Ttu lamollog 110p0e JO 11211 Sue 30 lantern m alnitlsuoo !Ttm lamollog o1 ivatuSud maim tCg apeui puma' tans Sue jo aouulda3oe s,iamo.uog •(a1oN ail iapun 103 paptnold st a21etO luatuti8dald e 1ou 10 latla14m) amp luautt(Bdaid Sue lnotitm luauld8dald Tetllrd u se palmall aq TTTm uoponpal at1 `TBdtoutld saonpal punJal a 3i •lamouog 01 luatut(ed 1oaltp a 5uDTmtu t(q 10 aIoN 0141 lapun panto irdt0uud agi 2utonpal Ai puma' slip alum 01 asooto Amu lapua-I •10M0110g o1 papunJal aq TTtm sum!! palltuuad papaaoxa golgm 1am011og tuo13 !wallop t(pealTE sums tine (q) pue :uunl pallntuad ail 01 a21et0 at11 aonpal of tilussaoau lunotuu 0141 tiq paonpal aq !Tugs Amp tiro! tans tiu8 (8) :uatT1 'SIIUIIg pa11t11uad ag1 paaoxa 11110-1 0141 gitm uopoauuoo ut 1)0100110o ag o1 10 paloalioo 202111140 uro! 101110 10 lsalalut at1 1utT1 os palaldlaiu! SCTTBug st mr! 1mg1 punt `sa218g0 1180! umtutxr1u spas TO1im MRT m 01 l0afgns st 3i •mui aiquotlddy tiq 10 luautnllsui t(1un0aS sup t(q paltgtgold tiissaldxa ale 1e111 saa3 021ngo mu Sum lapuai •aa3 gons jo 2ut21ego 0141 uo uontgtgold u su panllsuoo aq 1011 Hugs lamollog o1 aa3 ogtoads r a21rg0 01 luatutulsui t(ltlnoas sup u! So!Jotinm ssaldxa 3o aouasgr 0141 `2003 1ag10 tine 01 p182a1 ui •2003 uoprniun pue uolloadsul Suadold 'sap; ,st(atuoll8 `01 pa11t11TT mu mg `2utpnpu! lualutuisui !(Tunas sup lapun sig2u pue t(uadOld at1 ut lsalalut s,lapual 2upoalold jo asodlnd ag1 103 `1Tnejap s,I0M011011 41Tm uopoauuoo ui pattuo31ad saolnlas 103 saa3 lamouog amp Amu lapua•7 •sa2agg3 unto' *PI •lapua, 3o su2tssu punt slossaoons atT1 lgauag pub (0Z uotloas ut papinold s8 idaoxa) pup!! 1Tt:tls luatutulsul tiltmoas sup 3o sivatuaa128 pub slumuanoo at,I, •2utl1lm u! asealal 'Tons 01 saal28 lapuoi ssalun luatutulsul IClilnoas sup lapun itilug81T pub suot182tlgo s,1am0110g !11013 pas8aial aq IOU Hugs 10nt0110g •luatutulsui iClunoas SIt1 lapun slgauaq !118 sup.' S,10M011og JO 11u ulrigo !Tugs `lapua'I tCq panoldd8 s1 pur `2upum tit luatutuisui Aitlnoas slip lapun suop82ggo s,lam011og satunssr Dint 13m0110g JO Isamu' 111 lossaoons `sT uotloas 3o suotstnold am 01 loafgns •luasuoO s,lausts -00 ag1 lnogltm aloN 041 10 luatunllsul t(l!lnoas sup 3o slum 0141 01 p182a1 glint suotl2potuut000u Sue 031811I 10 1ragio3 `AC3tpotu `puma 01 00128 1180 lamouog 1ag10 !(118 pub lapuai 18141 200128 (o) pub :luatutuisul /C1t1n0as sup Act paln0as stuns am ,Cud o1 p0182!!g0 AIl8uoslad lou si (q) :luatutuisui t(ltlnoas sup Jo stulal ag1 lapun iC11ado1d am ut lsalalut s,lauSTs -oo alp tianuoo pn8 1u81g `0282110111 01 tiluo luatutulsul S1t1n0as sup 21.1tu21s -00 st (e) „1au2ts -oo„ e) 010f ag1 alnoaxa 1011 saop ing luatutuisul tCltm0as sup su21s -o0 ogm 1amo11og !Cue `lanamol •telanas pub lu!of aq Ti i1T11quIT pub suot182igo s,lamollog 1811 saa128 pub slu8uano0 lamouog •punog su2tss' pug saossa33ns :saau2ts -co :Amgen ituanas pun lutof '£J •tCpatual 10112!J Any 3o 021010x0 ag1 apnioald 10 3o 1OAT8m a aq 1011 !Tugs `anp uatl lunotue at1 um ssai siunotuu u! 10 lamouog 30 120101111 ut slossaoons 10 sall1iva `suosiod p11g1 111013 sluam/cud jo aoueldaoo8 s,lapuari `uot181ttut1 lnogim `2utpnput tipaulal 10 111211 t(u8 2uls1olaxa 111 lapual t(q a0ue18agJo3 t(uN 1amo11og JO 1sa1a1ui 111 slossaoons tint; 10 Samollog T8ut2uo 0141 tiq aputu pu8uiap t(um jo U05801 tig luatutulsul t(111n0as sup tiq paln0as stuns at13o uo!18zt11oulu ti ;ipoul asimlatlo 10 1u0UItied 103 011111 puma 01 asnjal 01 10 lamouog 30 120101111 u! lossa00ns Sue 1su!828 s2uipaaoold aouau1U100 01 paltnbal aq 1011 !Tugs lapuari •lamouog 3o isalaiul ut slossaoons AM 10 10M0J10g JO A1!.T!g ag1 0S80101 01 a181ado IOU IT8gs 1am0110g JO 1S010111l u! loss03011s ACtIm 10 lamouog o1 lapual Xq pa111812 1ualutulsui t(lunoas sup t(q pamoas stuns am 3o uoti8ztuotu8 3o uo118o131Potu 101uault(8d 103 011111 am 3O uolsualxg •aant8M 11 loM aapuari ,ig aoueteagao3 :paseaiag 101\1 .Ian4o.uog •ZI 08725►�:;1, 6(WY) c0005) Page 11 of 15 Initials:` 195 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 Form 3051 1/01 L0 /L 1.90E wioj 96T :sIeniuI 9 t la Z l abed (90oo) (AM19 war •dnugoiD I11luauJUO1!nug ur 10J iapua-I uo uop112ilgo Niue 0111310 llrgs uialaq Ieluauiuolinug guM aourpl000r ui suopor I11ipauial £i ssa0au Ilg aNe1 Allduiold pegs 13m011Og `Li ssaoau s1 Aiadoid 0941 2ut10aJ311 aouglsgns snoplezeH Aug Jo uopetpauiai Jaglo so lenoUial i(ur imp `Rued algnud Aue .io `ii1uotllnr 101 ln8a1 s0 I11yuauituano8 Are sq pat .JpoU 51 so 'sumo' 1aMO11OH 31 •Auad0ld am Jo amen aqi slaaJJE Aias1anpe gotgM aouulsgns snop1ezeH g jo astapl 10 asn `aouasa.id all sq pasneo uolupuoo Cue (o) pug `aouelsgns snoplezeH Aug jo asuajai 3o iga.zgi 10 asraia.i `agiggasip `8utlltds Aug `o1 palituil you lnq 8uipnppri `uoiupuoD lgluacuuonnug Cue (q) `a2paIMou1 junior seq 1aMO11Og goigM Jo mw Irluatuuollnug 10 aourisgns snop.ieznH AU11 pug Alladold 3q1 iC1.1gd 01EA11d 10 Aoua$r eilolrin8a1 10 Ie1Uaunuano8 Aug fig uotlo11 Jam° 10 gnsMgl `purtwap `uirelo `uopeSpsanul Au11 (g) Jo a0pOU 11011I1M .zapuaf ani$ Allduio.id imp .10MO.ziog •(sionpoid .iaumsuoa u1 saourisgns snoparz11g `oi pauunl you lnq iuipnlou!) k1adoid alp jo aOUeualulecU 01 pug sasn I11puapisa1 Iruuou 01 algudo.iddr aq 01 paziu800al /llrlaUa2 0111 111111 saOUglsgns snopirzeH Jo sapilUenb gnus 3o filmdozd alp 110 a2riols 10 `asn `aouasaid all o1 Aldde you grip sa3Ualuas oM1 2uipaoald atJ 'Apadold all Jo amen 0941 sioa3jr 1Claslanpe lugs uoiupuoo t saleal0 `aouelsgns snopluzef r 3o asealal 10 `asn `aouasaid alp 01 anp `gO1TM (o) Jo `uoilipuoJ Ie1UaUniollnug ug soltai0 goulm (q) `Mgg Ie111aui11O11nug d U11 JO U01111IO1n 111 si 111111 (11) A11ado1d alp BupOaJ3e 8U19pI Ue `op 01 asla auoicur mom 1011 'op 1ou pugs 1amo11og •Auadold 0111 111 10 1.10 `saourisgns snoplez11H AU11 asuoIal 01 ualea.i 10 `s00ue1sgns snop111z11H Au Jo asealal 10 0 111015 `Itsodsip `asn 'aouasazd 0941 1luuad 1O asn11O you hugs 10M0110 'dnueao Ieyuauiuoi!Aug Ur 1a88u1 astMlaglo 10 `01 alnquyuo0 `0591E0 tiro 111111 uopipuo0 11 stream „uoilipuo3 IuyuaUtuoi!Aug„ 1111 (p) put :Mgg 1111uatuUo11nug 111 pauTJap s11 `U0p0t I1AO11101 10 `11011011 I11ip0Uial `uo11011 asuodsai Aug sapnpui „dnirealj 1111uotuuolinug„ (3) :uopoa1o1d 1113uauiuolinua 10 Ii1a311s `glleag 01 a111Ia1 1E111 pale301 st iivadold alp =gm uoiloipsunf am JO sM11j pre sM11I I111apaj swami „Meg I111ua1uuo11nug„ (q) :sirpal111u anporoiPe1 pug `apAgapl11tuloJ 10 solsagse 8utut111u0O sl1111al11U1 `sluanlos 011111Ion `sappiq.iaq pug sapiopsad Oixo1 `sionpoid umalollad Oixo1 10 alg11unurp Jaglo `auasozal `augose3 :saourisgns 8 uimolio3 0941 pu11 MW1 I11luauiuonnug sq saIseM 10 `siu11lnllod `saourlsgns snop.rezgq 10 01x01 sr paugap sa0urlsgns asog1 ale „saou11lsgns snoplez1H„ (11) :IZ uo110as sup 111 pasn sy •saauslsgns SnOpluzBH •iZ 'OZ uo1100s stg1 sUOisinold 11011011 anpoalloo a)l 01 Aliunuoddo put 00ilou ail AJst111s of pauzaap aq pugs 81 uopOas o1 lu11nsand zaMO.uog 01 rant$ uo1111ialao011 Jo 0313011 0111 put ZZ 1101130s 01 lU11nslnd zaMO.uog Ol uo/4 0.1110 01 iiliunlloddo pre uo131110100011 Jo aopou aqa •gd111$11111d sill Jo sasodind .zoj aTquuos11ai aq 01 paulaap aq II!M pouad acup rip `uaalei aq 11mo uo11011 ut11ua3 =Jog asdrio lsnui 1OiilM pouad amp 11 sapinoid Mug alg1Oilddy 3I •uop011 ani10a110Z) 03E81 0l a0pou ions Jo 2uint5 0111 101311 popad ajquuoseal a olalag A1.red 101110 0 141 pap1o33e pug g011a1q pa8alle tlOns JO (SI Uop0as 3o sivalualinbal alp quM aourilduioo 111 uan4B 0311ou lions tlUM) Au11d 101(10 all pa1J11ou s11g Iapuag 10 IOMO.uog Ions Ii1un luatun11s111 Auln0as sill '3o uoseai sq panto Amp Niue 10 1O uoisinold Niue pagoraiq suq Cued 101(10 0111 111941 s020f11 111 10 luawruisul lflilnoas sup 01 1U11nsand suoil0e s,Au11d 101110 0111 tuo13 saslle 111941 (ssEJO a 3o 1agtmaw alp 10 lug I ur 1ag11a sr) uop011 mourn!' ,iur Ol pauiof aq 10 `uiof '0011011111103 iit1u lapuag 1ou 10M0110g IOgu0l\I •1as111Olnd aIoN aq1 sq papinold asTMlagio ssalun lasetlolnd aloN 0141 iq patunsse 1011 a1u pug laoinlas 1111011 lossa30ns 11 01 pa11aJsue11 aq 10 1031A10S ueog alp 1111M 1111111101'HHM 10M0110g 01 suoile8ilgo 5ut3inlas u11o1 a811211011! alp `aloN ag13o 1as11g31nd ail ugly 101(10 1a0in1as agog a sq pa3in.ias Si ueog alp 1a1311a1ag1 puu Nos s1 aloN aq1 JI '8uptnlas 3o 1aJsue113o 0011ou 11 tplm u0i3Oa11uo3 ui salinbal y� y -04,50 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. ©06(WY) (0005) Page 13 of 15 Initials: 197 Form 3051 1/01 LO /L LSOE WJOd L Lo b L abed laMO1JOg- JaMOJJOg- (Isos) (Isas) laMOiOg- JaMOJJOg- (isaS) (isas) laMOJJOg- laMOIJOg- (isos) (isas) laMOJlog- pT (e000l (AMl9 w sassauLIM •1! tiuM papiooa! pus Jomonog iq palnoaxa .Japrj Xus ut pus luauzniisui Ai!inoos sup ut pautsluoo s2usuan03 pus suual aril of saaau pus s)daoos zamouog `MO HH JNIAIOIS AEI rrNer ti4► 087 5 2 ).Z.3 STATE OF WYOMING, The foregoing instrument was acknowledged before me this APRIL 03, 2001 by AUTUMN L. CONNOLLY, A SINGLE PERSON My Commission Expires: 9/12/03 -6G(WY) (0005) Teton County ss: 199 Initials: Page 15 of 15 Form 3051 1/01 11 11 nn%, 1 11 1 1 1 1 11 L6ZL LZ9(o08) SINaOd 3DV0180W dwn (8o00) ac r tfp slelllu� E 30 L seed LO /L 051E w d IN3INf1a1SNI WHOJINf aeLN elPP /aeyy sluued Allwed Sl6u!S a30Ia and 3 1V1SI1lf1W •sivawnooQ luanlpsuoD ag10l luensind pasoduu sluauzssasse pus sanp Ite `anp uagnn 'Sec' jipdutozd pegs .xamozzog •uopeloossd szaum0 ag1 jo suopEin2az .10 saint imp .10 smel -Xq Niue (lll) pus :uopelaossd szaumo atp saleazo goignn luaumoop luatentnba iiue 0 luatunzlsut lsn.tl `uopeiodiooui jo satotue (tt) :uope1EjaaU (l) alp am „sluatunoou luanlpsuoD„ auj •sluaumooQ luanlpsuoD S,Qnd alp iopun suou qqo s,zamonog 3o Its uuopad Bugs .10M0110H •suowalig0 Qfld 'V :smollo3 se aa.igs pue lusuanoo .lagun3 .zapual pue I3M0110g `luatunnsui AlunoaS alp ut sputa sluatuaa1 E pue slueuanoo agl of uolllpps uI 'SINvNHAOD Qnd •lsazalul s,zamozzog jo spaaoozd pue sltpauaq `sasn agl pue „uonsioossy szaum0 an) Qfid a1.11 JO sapliloej pue seam uotuutoa alp Sulgeueut 10 Xlllua lualenmba 10 uotlutaosss szaumoautog aql ul Isamalul s,zamozzog sapniout osle ifuadozd a ii „Qnd„ agl) [1uauidolanaQ 1lun pauueld 3o aUJEN] SAIHNMS MaaIAHRAIlI se umouII luautdojanap llun pauuuld E jo uud a sl Xuadozd agl „uolrezetaaQ„ ag1) SNOIZ3IILLS aNY SNOIZIQN00 Sa.NIYNHAOO 0t paquosap se `sallllloE3 pue seam uoututoo umiao pue s]aoisd Bons zagl0 gutM zatpa201 `gutliamp E g panozdutl puss jo pared g `01 palms!! lou sl inq `sapnioul Xuadoid atu. [ssaippy CuadoJd] 8E1 E8 AM 'aMId'IY 'Z# SAI2ta 2IHAI2I H?IYNS 0T :1E paleoo] pue luaumzlsul iillznoas alp ul paquosap Xuadozd aql 2uuanoa pue alp swiss alp Jo zapua-i„ ag1) ONI H0'03.2I0I.I SWOH OJ2IY,3 STI M 01 aloN s,zamozzog amass of zamozzog„ aq1) pau2lszapun agl Xq uanl2 'alep awes ag13o („luatunzlsul Iillznaas„ am) paaQ XlunoaS zo `lstu j Jo paaU `a$e2uow agl luatuaiddns pus pastas o1 patuaap aq Begs pue olut palszothooul si pue T 0 0 Z Z I2IaY Jo asp a2I£ slgl apEut si 2IdQIZI ,LNdIA1(10I3AdQ ,LINE QdNNVid SIll! IMh TdOT1AHU iINn QHNINVId T OST£ -Hand 669TTS8 rav 201 B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and 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, then: (i) Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premium installments for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. 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. C (0008) Page 2 of 3 Initials: Form 3150 1/01 LO/L 051E WIOd E ;O E aBed 1aMOJ10g- (iR JaMO1JOg- (MS) JamoJJog- (MS) laMO1JOg- (MS) JaMOJ1Og- (mS) (m s) JOMO11og- (i s) 1aM0110g- (P mow) ac ATIO1dMOD Z NNIILRY 110 Vari WINVIPti •iaptg and sm) ui pauteluoa suotstnoid pue suuai alp of saadu puu sidaooe Jamonog `MO'Igg ONINOIS AI3 8514699 0 J, TEFR -0233 TAX EXEMPT FINANCING RIDER 587U (9705) Page 1 of 2 Initials: VMP MORTGAGE FORMS (800)521 -7291 [Property Address] ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree to amend Paragraph 9 of the Security Instrument, entitled "Grounds for Acceleration of Debt," by adding additional grounds for acceleration as follows: Lender, or such of its successors or assigns as may by separate instrument assume responsibility for assuring compliance by the Borrower with the provisions of this Tax- Exempt Financing Rider, may require immediate payment in full of all sums secured by this Security Instrument if: (a) All or part of the Property is sold or otherwise transferred by Borrower to a purchaser or other transferee: (i) Who cannot reasonably be expected to occupy the Property as a principal residence within a reasonable time after the sale or transfer, all as provided in Section 143(c) and (i)(2) of the Internal Revenue Code; or (ii) Who has had a present ownership interest in a principal residence during any part of the three -year period ending on the date of the sale or transfer, all as provided in Section 143(d) and (i)(2) of the Internal Revenue Code (except that "100 percent" shall be substituted for "95 percent or more" where the latter appears in Section 143(d)(1)); or FHA Multistate Tax Exempt Financing Rider 10/95 FHA Case No. THIS TAX EXEMPT FINANCING RIDER is made this3RD day of APRIL 2001 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed "Security Instrument of the same date given by the undersigned "Borrower to secure Borrower's Note "Note to WELLS FARGO HOME MORTGAGE, INC "Lender of the same date and covering the Property described in the Security Instrument and located at: 210 SNAKE RIVER DRIVE #2, ALPINE, WY 83128 N 203 11 1 1 iA 0872525 (iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(e) and (i)(2) of the Internal Revenue Code; or (iv) Who has a gross family income in excess of the applicable median family income as provided in Section 143(f) and (i)(2) of the Internal Revenue Code; or (b) Borrower fails to occupy the Property described in the Security Instrument without prior written consent of Lender or its successors or assigns described at the beginning of this Tax- Exempt Financing Rider, or (c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended and in effect on the date of issuance of bonds, the proceeds of which will be used to finance the purchase of the Security Instrument and are deemed to include the implementing regulations. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Tax- Exempt Financing Rider. CD -587U (9705) (Seal) Borrower AUTUMN L CONNOLLY (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Page 2 of 2 hod.- NNno 204 (Seal) -Borrower