Loading...
HomeMy WebLinkAbout872498as<5 r This Mort SEE BOOK:BF M4�TKA _Ratla4;,To: pf o HomeComings Financial Network Attn: DF Post Closing, 12600 Whitewater Drive, Minnetonka, MN 55343 'mod`= Record Return To: US Property Appraisal Svc. P. 0. Box 16489 burgh, PA 15242 R RELEASE op jj This Mortgage SEE 8BOEL ..:.__BE MORTKAiES Phi RELEASE Op DEFINITIONS Lender is a CORPORATION organized and existing under the laws of DELAWARE MFWY3112 8121198 F3oot16 PR PAGE 0 9 4 [Space Above This Line For Recording Data] ORTGAGE 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 datedMARCH 30, 2001 together with all Riders to this document. (B)'Borrower "is ROBERT GARISNER AND KATHERINE DANA GARDNER, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is HOMECOMINGS FINANCIAL NETWORK, INC. WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT 6(WY) i0005) Page 1 of 15 ��//,//Z�, Is: VMP MORT AGEEFORMS- (00)5291 RECEIVED LINCOLN COUNTY CLERK I PR 711 PM 3: 18 JEAN c VAGNER KEMMERER, WYOMING 40018 Form 3051 1/01 6016 1,40£ W103 8TOOV C60 [pads] (s)Jat";p IaPRI nlare d V Iaplg atuopi pu000S S L JO Z eBed tap►2i 4uautiCed i(plaaM►g Jam ;uatudoianaU ;tun Pa Id 1apm umiuturopuop 1 1 II (Soon) (AM19 Z T' EXAM 'VdS32I Japan ,,UEOI 35e2 1.1out pa ;epi Alpzapa3„ e se Jllenb 4ou sop ueoi alp 3I uana „ueol afe2 ;lout pa ;eia1 nllezapa3„ a o; pre2a1 ul pasodun aze ;en; s11093i_1.1s01 pue s4uamalmbal i(e o; siajoa „ddsgg„ `;uautnl;sui 1unoas slg; ul pasn sd Jamul paIgns cures alp sulano8 ;en; uolleln2a1 10 1109e1S1231 1ossaoons 10 Ieuol;ippe 'Cue to 'au o; Oral; 'nog papuaum aq ;112nu 'Cott; se `(005£ Ind 'WAD t X-uot;ein8aa `uot ;ein8ai Sui ;uautaldtui s ;t pue ;a 109Z uoiloaS "D'S '11 Zi) l°v salnpaootd ;uatual4as a ;e ;sg Iea21 aq; sueatu „VdSa, (0) •;uaum1 ;sui kimoas sun Jo E not ;oas Japun s ;unotue ,Cue snid 'atom aq; Japm ;sala;ul pure ledtouud (l) Joj anp ;unoure pompanos ,Cltein8al ant sueatu ;uaUTA ad aipopad, (..I) •ueo-i ant `uo ;Inepap Jo `3o ;uatuAeduou aq; ;surege Japuo tut ;oa ;ozd aouetnsut sueatu „aoue.tnsui a2u2poj,L„ (bpi) *Xpado1d 04; jo uot;ipuoo 1o/pue amen aq; `0; se suolssnuo .to `3o suoi;e;uasaldalsAU (Al) 10 `uotietnuapuoo jo naq xi! 031.1B.K0Au03 (ill) `.A;.tado1d ant 30 ;zed Atre 10 Ile Jo tag ;o 10 uoneutuapuoo (tt) `Xtadold an; `Jo uoponl ;sap 10 `0; a2eurep (I) :1o3 (5 uou;0as u! paquosap S0 Reno aq; Iapun pied spaaoold ooue.nsut ueti; lag ;o) Aved p1lg; 'Cue 'Cq pied spaaootd t0 `sa2etuep jo pzeme `;uautalnas `uot ;esuadmoo Niue sue= „spaaaoad snoauellaasm„ (i) uol;oas ul pagposap aze ;en; seta ;l asog; sueatu „sma ;i Moiasg„ (}i) •sJojsueJ; asnon2uueap pa;euto4ne pue `s1ajsuel; aIIM `auogdaia; Xq pa;e►;iul sJaJsueI; `suol ;oesuel; aulnoetu 101101 pa;etuo;ne `sIajsueI; ales 3o ;ulod `0; pa ;null ;ou st inq `sapniou! tuna; Bons ;un000e ue Itpamm Jo ;!gap o; not ;n ;t ;su! leloueug a azuon4ne zo `4on.t;sul `Japmo 04 se os Ode; ol;auaeut Jo `za ;ndutoo `;uautnl ;sut otuogdaia; leutut1a; ota01;3a1a ue g8notg; pa;et;lul sl not4M `;uaurn1;sut laded IelluTls 10 `gulp `)loago �Cq pa;eul &uo uol;oesue1; a uet"; Jag ;o `sptm3 3o JaJsue1; 1Cue sue= „aa;suady spun/ aiuol ;cal/,, (p) •uoc;eziue510 telnurs 10 1.10l;eto0sse sIauMOatuot" `uot;eposse tunlututopuoo e ,Cg AIadoJd at"; 10 10MOJJOg uo pasodurt aze mil saSzeno lag ;o pue s;uatussasse tool 'soup Iie sueaut „s;nantssassV put. `saa/ `sang uonepossd ,C;iuntuutoa„ (i) •suoluido Ieplpnf algeleadde -uou 'mug algeoildde Ile se nom se (Mei jo ;oa33a ago anen ;en slopto pue saint and;e1;stultupe pue saoueulpto `suot;elnSa1 `sa ;n ;e ;s moot pue a ;e ;s 'ietapa3 aigeogdde 2utllo1;uoo Iie sueaut „Mari aigeollddy„ (g) IaPRI VA Japlmi uooiiuH zapm a ;u2i aige ;snip :[algeot"dde se xoq Noago] 10M0110g Aq pa ;noaxa aq o; are stapm Stnmollo3 agy •JaMollog Act pa;noaxa ale ;en; ;uautnl;sui Aunoas sig; o; slappi Im stream „saap1J„ (9) ;saga ;ul snid `;uautnl;sul ktmoas sin; Japan anp sums He pue 'atom ant lapun anp soa ego a ;el pus sa2Jego ;uauaedaid Cue `;saza;ui snid 'Nom ag; Aq paouapina Nap ail stream „ucori„ „•AJadold ag; u► sui2IN 3o JaJsuezy„ 2utpean an; Japan Moiaq paquosap sl ;en; X;.tadozd an; sueaut „,CJado td„ (a) 910Z '1 'I ItidY umn la ;el lou IPn3 uI Nap alp fed o; pue s ;uam /Cud oipouad Jeln2aJ u! Nap sit"; pied o; pasItuold set" JamolIog °;sa104ul snid 00 000' EOT s 's'n) steliou 001 /ON QNY aNvsflOHS H32iH L Q32IQNQH OLIO iapuo i sOMO JaMOJJOg Imp sa ;e ;s atom any TOOZ OE HO/MIpa ;ep pue JaMoIJOg ,iq pau$ts a;ou XJossItuotd an; stream „a;oN„ (a) •;uaumt ;sui X4t1noas sin; Japan aaaa;.zotu an; si Japuo' EZVSS LIFT Q'I3I3HOI2i SOLIISS0210 NKIQI7izkI HNO si ssaJppe s,1apUo' 096 0874498 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower' s obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower' s covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender' s successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] See Attached Legal Description [Name of Recording Jurisdiction] Parcel ID Number: which currently has the address of 2232 LINCOLN COUNTY ROAD 125 [Street] THAI [City] Wyoming 83127 [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 40018 MFWY3112 M -6(WY) moos) Page 3 of 15 Form 3051 1/01 10/1 690£ WJOA X60 8TOOb St to y eled (s000) (AM)9-tavio Z11£ srunow am `argm,CCd Osage pue uagm `,cr ;aairp iced rrugs .ramo11OH `lanrum eonS JO mono ag; ur •2urpr u oq /quo ,i11W Jo/gum g°ns ,Cud •aunrr ,cue r11 saran mama Ir e .ro ,Cue .rod spend .rapua-r o; ,Cud o; uor;arrgo s,aamo.uog °Arum Amu 1apuaq small Morosg rim JO ,Cue .rod spund age ,Cud or uor;egrigo s,aamorrog SOATEM .rapua-r ssarun small mama rod spund ag; .rapua7 ,Cud Hugs 1amo11og •uoioas sup. .spun mud aq o; s;unoure jo saopou ere .rapua7 o; gsrumr ,Cr;dumold iisgs JOMO11OJ Wan Mo1osg um °q iiegs sruaurssasse pue saaj 'soup gons pus `ramo11og ,iq pamor3Sa aq `,Cum 3r `sruatussassv pue toad `sang uorreroossy ,crrunun11op rug; a.rmbar ,Ceti .rapua7 `u11O7 age Jo urrar am 2urmp aunt; Aug re .Jo uor ;eUr2rao ;d ;small Mo1osg„ parrs° am Smarr asa4J br uor1as Jo suorsTnord aq; q;rm 031111m= ur sumrurard aouemsur a5u4row jo ;uaun,ced age jo nail ur rapua7 o; 1amoUOg ,Cg arquhd sums ,Cue .ro 'Arm J! `sunnrunajd aOUemsur a2s2;ioj, (p) puu `.s uorroas .spun .zapuag ,Cq pa.nnbai aousmsur 1111 pus ,Cue roe sumruraid (3) `.,Cum 3r `Apado1d aq; uo sum.' punoa .ro s ;uaun,ced pro4asear (q) ',Crrado1d aq; uo a3UUrqum3ua ro uari u se 4U°um.r ;sue Aurnoas si4r .rOAO ,C;rlOtld arum UeO gorgM surarr ratio pue s ;Uaunssasse pus saxer (11) :.rod onp s;unoure jo ruaur,Cud .roe aprnord o; „spund„ aqr) urns u `iin3 ur pled s! aroN °gr rerun `°roar ag; iapun anp axe s;U°uU,Cud Orporrad ,Cup age uo Japuaq o; ,fed Hugs aamoUOg •Snra ;I Morasg .roil spund swam/Cud orporrad amp `;unoure aqr aEuuip zo `amp anp aq; auod ;sod .ro puarxa ;ou rrugs glom aq; .spun anp redrouud o; sp°a°ord snoaUefra°sm .to `spaaooad aoutmsur `s ;uam/Cud jo uor ;EOirdde •°roar aqr ur paguosap su uaq; pum sa2rego ruaur cedard Aue or rug parrdde aq Hurls sruaur,Cedard ,CreurnroA anp sAreg3 area Aug or pa idde aq Amu SSO3X0 gons `sruatuAud Orporrad WOW Jo auo Jo rua11n,Ctd rind am or paridd11 sr ruaur,fed a4r rage srsrx° ssa°xa ,Cue rem 3Uarxa age oZ mu ur mud aq 11113 ;uauu,itd tram `re4; ;ua;xa age or put 'Jr s;uaUT,Cud Orporaad aq; Jo ;uaur,iedar aq; or 13MO.uog urolj panraoai ruaurAed ,Cue Aidd11 Attu aapuoi &urpuersrno sr ruaun,Cud Orporzad auo 11114; WOW Jr •aaaega area am pee ruauIXmd ruanburrap am or pa iddm aq ,Cuw ruaur,ied a4; `anp a2.rmgo a;ef ,Cum iced o; runoure ru°r3gJns 11 sapnrour 4or4M ruaun,ced orpouad ruanburrap m .IOJ raMOriog wag ruaur,Ctd s sanraoar .Iapua1 Jr mom ammo a3Uermq rsdrourud aq; a°npar or tram pee `ruaumirsur ,Glens srq; .spun onp s;unoure row ,Cue o; puooas `soRrego °4111 o; rsng pa idd11 oq Hugs sumo= 8urur1111na1 ,illy onp auruoaq ;r 4Oi4M 114 .Tapmo a4r ur luau/Cud orpor.rad qua or paridde aq f[11gs swam/Cud gons uorr°as 1apun anp srunouru (3) `.atom a4; .spun anp rtdrOurid (q) -°roN air aapun anp rs°1a ;ur (11) :,Cruoud jo Jarmo SurMorro3 age ur par1dde aq Hugs Iapua1 ,cq parrdd11 pus pa ;dao311 srua11n,Cmd ire `Z uorpos seq. ur paquosap asrmaa4ro se rdaoxg •spaaaoad ao s;uatuSed jo uor;tapddd •z •ruarun.T;sur ,crrm °aS sup ,cq pampas s ;uaunaaau pus sruuuanoo am 8urUnio3.rad JO ruaum.rrsuf Xrrmoas srgr pee °Tom am .spun anp swam/Cud Supr11ru uzozr .IaMOIaog anarra.' Hugs .Tapua'r ;surau a.mrn3 a4; ur so MOU antq rq2 ur JOMOUGH 43!4M urrejO 1O lOSjjO Orr •amsor3a.1o3 or zoud ,Crompaununr °roll a4; .zapun a3Uersq 1edrourld 2urpum ;s ;no age or pa iddu aq rrrM spun3 gons `Jarramo pa idde rO113i •ramorrog or map auras JO spun3 gons ,Cidd11 ragrra rrugs Japua' `area Jo por.rad arquuosua1 a ur4r!M os op ;ou saop .ramor rog 31 •rearm° 111101 aq; Suuq o; ruaur,Ctd SONVUr IaMOJIOH rerun spun] parrddsun gons grog ,Guru napua'r spun] pariddeun uo ;sararur ,cud roll paw zapu01 tram `a;sp anp parnpagOS sr! Jo Se paridde sr ;uam/cud Orpouad 4311° Jr •pard°oo11 axe swam/Cud gons aarrr a4; ru sruatuAed gons ,Crddt o; paresrrgo you sr rapua-r rug `arn;nj a4; ur s ;uaum/Cud rmr;.rtd JO ruaum,C11d gals asnja.r o; srpu s ;r o; aOrpn ford .Jo .rapunaaa4 s; ,rum Jo raATEM ;nog ;rA `rua.rm0 ueo1 am &uug or ruarO33nsur ruaur,Cud ferried .JO ;uaur,C11d ,Cue rdaooe ,Cum Iapuai ;ua.un° umo-r uuq or ream nsur 3111 sruaur,C11d ferried 10 ;uaur,Csd a4; Jr ruaun,i2d rerr.red JO luau/Cud ,CUe urn ;as ,Cmur xapua'r •S r uorl°as ur suorsrnord a3T ;ou age 4 ;!M 03Uepr0091 ur aapua1,Cg pareuSrsap oq ,CEUI se Uorreoor Jagww gons re so °roN a4; ur parsuarsap uorrmooi am re pan40301 u °4M 1apuoi ,cg panraoa.r pauraap are sruau1,(Ed •lOjSUEl,r, spund OruOJroarg (p) Jo !Alpo so `,Cars ;uaurna ;sue `AwUn& rulapaj e ,Cq pamsur are s;rsodap aso4M uor;nrpsur ue uodn UU11ip sr 31o31.1D gons ,Cuu paprnord 51o043 s,IargsEO .ro rap 5,Jamsea1; `)fOagO Treq `)0a4O pampa° (0) `.saps° ,Couour (q) `.gsso (u) :.T°pual Aq pa;Oeras s11 `suuOJ &urmorroJ age Jo °sour Jo auo ui apart aq rua1mr;sur ,Grim °as s14; pee °roil a4; aapun anp swam/Cud ;uanbasgns 1111 JO ,Cue rug; azrnba.r A11tu aapuo' `prsdun .rapuarr or paumrar sr ;uaumzrsur ,C;rmoas 0874498. 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 MFWY3112 (0005 Page 5 of 15 40018 0q 8 Form 3051 1101 6016 690£ WJoj 'pm `anp earn ;ou xo xagnaLM ;uaumxtsui i(llmoas scut Aq patinas sums a o; pa!dde aq hugs spaaooxd aouexnsuc agn `pauassal aq pinoM 4m30s s,xapua-i xo aiglsua3 ,Clluaiuiouooa toe s1 xredax 10 110!12x0 1s0x ar t 3I 'xaMOxxog jo uopuSllqo a'os 041 aq Hugs puu spaaooxd aouemsui ant jo tno pled aq tou Mugs xamoxxog Aq paure;ax `sattxud x0410 xo `sxatsnfpe olignd 103 s °°3 •spaaooxd tons uo auluxga 10 1s0x0114 i(uu xaMOxxog ,Cud 01 paxlnbax aq tau (lugs xapual `spaaooxd aouumsul tons uo pred aq o; ;saxatul saxmbax Mel algEollddy 10 2ultus ul °peen sl ;uacuaax8u ue ssaiun •pataidwoo sl 3Ixom art se s1uatuKed ssax2oxd 3o sus E ul 10 warn/Cud of rns E ui uoltexo ;sax pue sx1Edax °g; xo3 spaaooxd asxngslp Amu xapuaj •Altdmoxd ualutxapun aq Hugs uot;oadsui tons tug; papinoxd `uot ;oejsges s,xapua1 o; pataidtuo3 u°aq set 3IJOM art amsua of Atxadoxd tons 13adsul o; ,Ctiun1xoddo ug pug seq xapua1 !nun spaaooxd aoUUmsui tons plot of 10.1 am an134 hugs xapua-I `poixad uoitux0tsax pue xredax tons Sulxnci •pauassal ;ou sl i(ttxnoas s,xapuari puu alglsea3 AIlgolulouooa si xredax 10 u0UExo1s0x 04131 `,(uadoxd ant jo 1!13da1 xo uopeio1sax of palldde aq Hulls `xapuari /iq paxlnbax S13M a0uemsui $upi'xapUn a41 toe x0 xa41a4M `spaaooxd 03uExnsul ,Cue `2119!JM ul aax &e aspMxart° xamoxxog pee xapua-i ssa'un •xaMOxxog A'idtuoxd apetu tou 31 ssoi jo 3ooxd °)loin Amu .°pearl xapuaq pu13 10111133 aouexnsui at; of °01;011 tdwoxd an0 Hulls 10M0xx013 tan JO 1110n0 341 uj °aaiCud ssoi IEuoglppe 1113 se xo/pue °°21321x0111 se xapua7 aureu Hugs pue asnup a2e21xout pxupuels u apn'3u! help AoHod tons `z(txadoxd art `3o uoltonx ;sap 10 `01 a2u1112p 103 `1opua-i ,Cq paxlnbax as!Mxa 1ou `aS13xanoo aoueinsuc 3o utxo3 ,Cue suretgo xaMOxxog 3I 8331 0U j13M0110i pee su n ulaxd pled jo stdlaoax IIE xapua1 of anis Alndmoxd Hugs 10M0110g `saxmbax .1apuo i 3i •soluogltxao !Emma' pu13 saiogod at; plot( 01 ;t8lx a4; anvil Hugs xapua-i caked ssoi reuoltlppe 1113 113 x0/pue aa2132txout su xapua7 au113u Hugs pee `asn1'3 a8u2ttout pxepuBts E apnloul Hugs `Salollod tons anoxddeslp of t42u s,xapua•i Ot lOafgns aq Vets saloliod tons jo siuMauax pee xapua' Aq paxlnbax s°lotod aoUEmsuc III/ tuau1'CEd tut ;sanbax xaMOxxog Ot xapua-i utox3 aollou uodn `nsaxatui tons 411M `aiquAud aq huts puu tuautasxngslp 3o atup a4t ut0x3 am atom art 113 Isaxatu! xvaq amp stunom13 asaq j 1uaumxtsui XtlxnOas slit ,(q pampas xaMOxxog 3o ;gap reuomppe outooaq Hugs S uouoas slit xapun iopual Aq pasxngslp snunoure Xud •pauretgo an134 pinoo x0MOx1Og turn aougxnsul 3O ;so3 041 paaoxa /(14Ueo1J.iu2!s ng2iut paulemgo os a2Exano3 0013xnsut art 3o 1800 art tern Sa2pa'MOU3'3E xaMOIJOH •430330 U[ 1(1sno1A01d SUM 111341 a2vx0n00 xassal xo xat13012 apinoxd tr2tul pee 'Ctl)lquli 10 pxuzug `311!1 Auu tsure2e `Xtxadoxd a413o sIU°4UO3 041 xo `tt;xadoxd a4; ul i(tlnba s ,10MOxxog `10M0110g 400101d toe 144.11 10 41121111 tnq `xapu0 xanoo Hugs 0213x3110 tons `axojaxaq j •a213J3A00 JO 1111111113 10 ad1Ct xelnol. red /(uu aset3md of uoc113211go ou xapun sl xapu°-i •asuadxa s ,xaM0xx0g pug uoltdo s,xapuo' re `°213x°403 aougxnsul uretgo X13111 xapua' `anoqu paglxosap S0 1310AO0 a4n 3o Jiu13 UretUreut 01 sire3 10M01x0g 3i •xaMOxxog Aq uo43afgo 1113 utox3 2ul1insax uollvuluualap auoz poo13 Aue 3o Mayo.' 0 41 41!M uolt0auu03 111 Aoua2d ;uauta2euvl i Aoua2xau1g iexapod a4t Aq pasodun saoj Aire 3o ;uatuked 041 x03 alglsuodsax aq 081E IIEgs xaMOxxog •uogeollitxa3 10 uotteurulxatap tons ;3°3313 1,12tU1 d(iquuoseax town. _moo Sa2Ueg3 xe'uU[s x0 auidd13uzax mug 4313° Sa2x1340 ;uanbasgns pee Saolnxas uoggogtnxa3 pee uolteuiuixatap auoz pool; 103 02JE140 au -auo E (q) 10 `.S03In10S 2uD'ouxn puu uol ;133l;ltx00 `u0913unUxatap auoz pooh x03 amp at1111 -auo E (e) :xaq ;la `uuori spit 4t!M uolnoauuo3 ut 'Ave! of xaMOUOg axmbax ,Cent xapua7 Alquuoseaxun pascoxaxa aq tau (lugs 14 4 `aotot3 s,xaMOxxog anoxddustp o; 1421. s,xapua7 on toafgns xaMOxxog i(q 11°1040 aq 'jugs aoUexnsul 0 41 2 uipinoxd 1°11x113 031113x11111! at,i, 11orl at(; 3o mat a4; 2ulmp a2u134o 11130 S031104UOS 2ulpaoaxd 041 of tugnsmd saxmbax xapua7 ;13tH •saxmbax xapua' Tern spo1lod 041 xo3 pug (s'anal aigltonpap 2utpn'oul) S ;11nou111 a4n ul pauw -tut: u i aq Hugs aoUemsU! 1141 °a0uumsui saxlnbax xapual town x03 `spool; pUE sa3113nbttxva `01 pa;luxll toe tnq `2uipnpui spxeze4 xaoto Aue pee „`0 1310A00 papuatxa„ WIN a4; ul41!M papnpul Sprezer `axg Aq ssoi nsuc132e pamsul Atxadoxd a4; uo moan xageaxa4 xo $111;11x° Mou s ;uaivanoxdun 041 daa3l hugs xaMOxxog °a3u Jnsui £lJadoad s •Uuo-i slot 411M uoll0auuo3 UI xapua'i Aq pasn 00!AIOS 21Ji ;xodax x0/pue uolteoupan x111 atutsa rear a x03 °2x1340 au1l; -auo a i(Ed 01 /mMOxxog axmbax Amu xapua1 uo43as slit 111 °nogg 41x03 tas 81109013 a4; 3o 010111 x0 0110 031131 10 1104 0 41 d(3sines Ilg4s xaMOxxog `11°41$ st a31t0u turn 43I4M uo amp a41 3o &Cep 0 U1411M 660 8T006 1 11 10 9 eBed (1000) (AM)9-qiiro ZTT6xb3AI 03'74493 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 (east 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 MFWY3112 6(WY) (000s) Page 7 of 15 40018 Form 3051 1/01 1016 190£ mod 8TO0 T0T L )o 8 Geed •punpaa ,Cue o; .1a,io.[log al;i;ua 3011 IIiM Xaq; pug 'aaueansui a2o2;Joiti ao3 aAtO lli% aaMOaaog ;unouiy all; aseaJ3u! 3011 IllAt s;uawaaJ3o gans •ueOZ aq; 3o sums; aaq ;o ,Cue ao 'aaugansui a2e3laoyA! ao3 'Cad o; paaJ2o sell aaMoaaog 3111; s;unowe all; ;aa33e ;ou Him s;uawaaade gans 'Cud (e) :1ag11nd „•3otremsutal ant ;deo„ pawl uago si luatuatrelle au; `.iamsui 3114 of pied sutnitltald aql 3o antis u 1o3 a2uegoxa u! >Isil s,lamsui au; 3o antis a swim. lapua'i 3o anli13u ue Imp sapinold luaur3algu gons 3I •sassol &uionpal to `3Isu s,lamsui 35e2llout ogl 2ui4jipotu io Sutlugs .ioj auegoxa ut `aouelnsul afe5ilow ioj s;uaui,Cud s,iamo.x1og jo uoillod u (se pazualoulugo aq lq ut lo) 1013 anil3p legs slunoure (Ailoalipui to Alloalip) 3n13331 '$u1o2a1o3 am jo dire jo angg311 /Cue l0 'Alpo 1311!0 Auu `lamsui3l Aue `lalnsui iagmoue `aloN am jo lasegomd Cue `lapua'i `sluauraalae asap 30 ;insai u sy •(stuniwald aoueinsui aa;ioj uuoi3 pauiulgo spunj apnioui Cum go!1M) aiqulienu anti lalnsut age21lotu alp rem spunj 30 winos Niue 2uisn swam/Cud a3leut o; raznsui 3Wllout all; onnbai slu3utaaau °soq,i, •sluauraal2e asap 04 (sallied 1o) /Cued .taglo 3gl puu lamsui aallotu am 04 Aloloejsqus an rem suoilipuoo pue SCLrlal uo am sluetUa31$e asa4Z •sassoi =pa/ l0 'ajs!l liag1 43tpout l0 antis 411p satlied laglo gl1M sluauzaa.rau ow! .talus Amu pue 'amp 04 amp map 00103 ui 3otremsui gans Ilu uo )Isil lino! lragl alenluna saamsui aSuSlloy4l •aotremsui aSESllow am of hued u lou s! IOMOIIOH •paal& s11 11eo1 am Medal lou saop IOM011og 3i mom Amu li Sassof uiullao ioj (slob am sasegolnd lug; Altlua ,Cue Jo) lapua'I sasmqutial aouelnsui aSalloyAI •a;ori 3ql u! papino.d alu1 age le lsa.ralui i(ud o; uoi;1Sirgo s,Jamo log sloa33u pi uOrloas sup ui 2uigloN MUZ algeoirddy Aq palmbal sr uot_leutur1a; !pun 10 uorluuiunal gons 103 2urprnold lapua'i pue Iamonog uaaMiag lu3uraaae u3lluM Xue tpiM 0311U1)103au ui spua a3uemsui 320llow 403 lu3utalmbal s ,.1apuari !pun `3A13531 ssoi aigepunja.r -uou u ap[nold 04 l0 `103333 u! aotiumsui 3aalloy\I utelutetu of paiinbai suznturaad agl Cud !rugs aaMOIIOH `aouuMSUI 05e21.1o1\I 103 sumiurald 0gl pluMOl sluaur iud paluu2isap iii3lu1udas awn of palinbal SUM lOMollog pue ueo1 am Vu1)letu 3o uoi1ipu03 use aouumsui a3allow palinbal lapua'131 -aouelnsui agallow 1o3 stwn am pleMOl swam/Cud pa1uu�isap iiIaleledas salmbal lapuag pug `pautulgo st `aiquiiunu sauzooaq uie &e lapua'I ,Cq palo3ias lamsu! 1111 ,iq papinold (saimbal lapua-i lem poilad am 103 pue lunoure am up 02e13A03 aouumsul atanoysi 3! swam/Cud OAIOSal ssoi alinbal Jam! ou 1103 lapu3'i •anlasal ssoi 4Ons uo 1s31alu! 'Aug 1aMO11og iced 0l palinbal aq 4011 !rugs lapuai pue `iin3 ui piud Iflaleutilln s! ae01 am mull; oo11; am iuipuelsgl!Mlou `aigepunjal -uou all !lugs anlasal SSO! gonS •aotrelnsul 02u2llow 3o nail ui 3n1aS31 ssoi aiqupunjal -uou u se Sluaui/Ced asap ure131 pue asn 'ld3ooe !rim 13pua'i •1oa33a ui all of paseao ae13noo aotremsu! 3gl ua4M anp OIOM lem sluaurfiud pa1euSisap Aielu1Edas am Jo lunoure aql lapual 0l ,Cud of anuilu0o !lugs laMOl1OH `aiquiiunu lou s! 3ae13A03 aouelnsui ageS1low luaienmba Arlutluelsgns 3i •lapua'I i(q palo3j3s lamsui aMllour aleulallu ue 111013 `133333 u! XISnornald aotremsul ae$lloyAJ am 30 131011011 Ol 1s00 alp 04 luaiuninba ,Clleiltrelsgns lsoo u lu `loaJJa ui 1(Isnotnald aouumsui af1Sl10JA agl Ol lu3lenmba Xiluilueisgns aulanoo urelgo 01. palmbal stununald 0ql iced !!ells laM011og `3ouulnsul 0$alloyAI 103 sutniutald 3144 plemo1 swam/Cud pal1u3isap ,Cialu.redas a)leur of palmbal s1M 13MO11og pue aouelnsut lions papinold Alsnoinald lug! lalnsui aWllmur 341 wag arquiiene all Ol 5051103 lapua1 ,(q palmbal am/kw 3otrelnsul &allow am 'U0seal Xnu 103 3I 1 ui aouelnsui affeSnoyA4 ag1 uiuluiuur 04 !millibar suzniurald am ,Cud !lugs laM011og `111101 age 2unreur3o uoilipuoo a se 33uemSUi 32 410w palmbal lapua•i31 •aaueansui atealaoy4i •01 •Suili1M ui 13510111 agl 01 saal& 13101131 ssaiun Amur lou !lugs app aa3 agl pue Notional agl `iilladold am 04 argil aa3 salinboe 1aMO11og 3i •aseai am 3o suoisinold am !!u g ;!M (rduroo hugs 10M0110 `plogaseai u uo s! waumllsul !0!103' sill; 3I •luaut1(ed 4u9sanbal 131011011 Ol lapua1 wag 00!!011 uodn 'lsalalu! gons glint `alquiiud all !lugs puu luatuasingsip jo alup am wog 34111 slob am le Isamu! .reaq hugs slunoure asa4Z •luaurnllsul '1unoaS sup ,(q pamoas laM011og jo !gap luuo!lippu aurooaq !lugs 6 uoi;oas sup !spun iapu31 pasingsip slunoure ,City •6 u0i133s sigl !spun pazil0glne suoil0u HE l0 /rue 2U X11! lou 103 Augeg ou smoui lapua1 rem p3312u s! lj •os op 04 uoilaijgo 10 /Clnp Aire 13pun lou si pue os op 04 snug lou saop lapua1 `6 u0rloas situ !spun 110!!011 a)lul Amu lapua1 gEn0jlld W3010 110 paulnl s3lliiiln anug pue `suotlipuoo snolaSuep 10 SU0tluloin 01003 1ag10 to Sutplmq aleu!11lga `sadid wag 131eM unzip `sMopuiM pu11 sloop do pleoq l0 aoejdal `svoi amp '81lud31 a)leur of Xlladold am 2u[lalua `04 palttui! lou si lnq `sapnloui /il madold am utmoas •2urpaaoold Xaldnniuuq a u! uotlisod pamoas sit Suipnioui 'luatlmllsul Aiimoas sup !spun slgp1 lo/pue klladold am u! 4Sala4Ui 54! laa101d of 5333 ,sifaulopu R6t77;4,Ro (soon) (AM)9 ZTT£xM314 (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 9f 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 Instruffient, 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. MFWY3112 L -6(WY) maoos) Page 9 of 15 102 Form 3051 1/01 6016 690£ WJoj LOT 8100 91, Jo eBed (9000)0j/09-W V ZI1fiLMaN •;uaunJisui Alprmas sup .iapun ivaua1mba1 8111puodsa.uoa alp 4jsges jluM ;uamannba1 Me'i ajg204ddd agi `M2'! ajquoljddd Japan pa1!nbaJ osj2 si ivaumilsui 'Clangs s1tl; ,(q pa1!nbal aoliou ,Cue 3i •Japua-i pani0o01 Aiien10$ mun Japua7 of uan18 uaaq aneg of pautaap aq iou jieijs ivaunJisui 4unoas sup qwes, uoiipauuoo ui aoliou Xud •JaMoiJog 01 00tiou /iq ssaapp2 Jagioue pa1Bu81sap seti iapua• ssajun ula1aq palms SsaJppu s ,Japaa j of jietu ssep lug i(q i1 8uulrem Aq .zo 11 BuuJangap Aq uani8 aq !lugs 1apuaJ of aoliou ,Cud amp auo ,Cue ;e ivauni ;sus Xiunoas sup Japun ssalppe aoliou paiiu2!sap auo Apo aq ui amid, •a.mpaooid pagioads iegi q&noJgi ssazppe 3o 08uego u uoda.i /Cluo 11egs JaMO11Og uagi `ssalppu 3o 3&ue40 5,JaMOJ1Og Suiiioda.i Jo ampa3oId u sagl3ads Japua-j 3j •ssalppe 3o a8ue40 s,JaMOJJOg 3o Japuaq 43[;ou 1Cpduioid Bugs IaMO.uog •Japu0' 0i 03liou ,Cq ssa1ppe 03jiou ainiiisgns B poluu8isap sec JantoJJOg ssajun ssaippd Ai10dold aqi aq !jugs ssaippu 03liou of •as!miagio saimbai Xissaidxa M2'j ajquOijddy ssajun SJOMO1JOH ire 01 aoliou aini!isuo0 112gs 10M011011 auo ,Cue of 00!40N •sueau Jagio Xq lugs 31 ssa.ippu aoliou s ,J0M0110g 0i pazanijap iCjjenioe 1101M 10 !rem ssel0 isJg ,(q pai!uui uagM 10M0110g 01 IMP uaaq aneg of pauiaap aq !legs 4Uamf1isuj Aii.inoas sup gi1M uoiioauuoo u! JaMO.uog o; 03liou Airy •8uiii1M ui aq lsnu ivauinlisuj ,Cii.inoas sup gi1M uoiioauuoo u! JapU0' 10 Janto.uog i(q uani8 sa3iiou lid •sa390N •Si •a8.ietloiono guns 3o ino 8u1s11$ an24 ig81m JaMOJJOg uoiioe Jo 142!J JCue 3o JanIM 2 ainiiisuoa !pm 1aM011og of ivauABd maw ,(q apem punjoi lions Aue 3o aouuidaooe s ,JaMoiiog •(aioN alp Japan Jo3 papinold si a8Jego ivamkedaid e iou 10 Ja a812g0 luau/Wald Cue inogiiM ivaui,Cedaid 1214J2d B se pa12014 aq jjiM uoiionpa1 agi `1ediouud Sa3npa1 punjai B 3l •JaM0JJ013 of ;uauaBd 100np B 5upj2m ,(q 10 aioN a Japan panto l2diouud aqi 8uionpai Aq punjal sup asleu of asoogo A2w iapua' •10MO11og of paputgai aq !!!M s ;Rugg paiiiWJad pap003xa 43!4M JaMOZ.iog wog pai3a[jo0 ,fp201je stuns ,Ctie (q) pue `.ism!! paiiimiad agi of a8Je40 all amp.' of ,(1BSSa3au 111111112 alp /fq pa3npa1 aq wits 081240 treoj guns Aue (e) :uagi `siiui!! pa;ilm1ad a paaoxa aeon agi giiM uoiioauuoo 111 paioalloo aq of Jo pai301103 5021243 ueo1 lap Jo 1501011.! agi Imp os paia1d1aiul ,Cjj2ug si Ave! 1Bgi pue `sa8J2g0 11201 mnuuixew Sias goigM M21 2 0i ioafgns s! ueo-i alp. 3i MB's alge3ijddd ,Cq Jo 4UaumJisui /Ciimoas sup Aq pa;!glgo1d iCjssaidxa are Imp saa3 amp mu km 1apual •003 guns 3o 81.48JB40 alp uo uoiiigigoid B se pan.iisuoa aq iou hugs 1aMO11og of aaj ogloods 2 a812 of ivauinlisui i(ilm0as s144 Ut Al!log ;n2 ssaidxa Jo 33u0sg2 all. `saa3 Jagww ,Cue of p.ie2a1 ui •saa3 uoiienjen put uoiioadsui AiiadoJd `saa3 ,s,(aU10342 `01 paint!! mu inq `8uipn10ui `;uaumJisui ,Ciimoas sup Japan sup.' pue Xiiadoid alp u! isa1aiu! s ,J0pu0' j 8uii3ai0id 3o asodind agi Jo3 `ijnejap 5 ,IaMOI.iog giiM UO9031E1103 UI paulOjlad S03!A10S 103 S003 J0M011011 081e43 Amu Japuaq •sa8ago ueori 'Pi •1apua' 3o su8!sse pue s1OSS000ns a ;gauaq put (OZ uoiioas uu papinoid se 1d33x3) puiq Hugs ;uaumJisui *moos sup 3o sivamaaw82 put swum/kw agy •8u!i!JM ut aseala1 guns 01 saa1Be 1apua-j ssajun ivaunI;SUI Alimoas sup Japan ,C;gigeg pue suoii284go s,JaMO11Og wog pasea101 aq mu !lugs JaMOJJOg •ivat nllsui ,(iim3as sigi Japan s;gauaq put si421J 5 £10Mo11Og 3o 112 ui21go slugs `Japua-j ,(q panoJdde si pue `8u1;UM 111 ivaumIisui Aiun308 sup Japan suojie2ijgo 5,JaM011Og saumsse oink JaAO11Og 3o isa1aiui 111 Jossaoons /Cue `g! uoia0as 3o suo!s!nold alp of ioafgns •ivasuoo s ,1au5!s -00 agi inogiiM ai0N mg 10 ivamn1isui ,(iimoas sup Jo slum agi of p12201 giiM suojiepouum000e Aue oNew 10 Jeag1O3 `A31pom `puaixa 04 aww&$ U23 JaMO1JOg 10gmm 2(112 pue JapU0' Imp saww&& (3) put `.;Uaumlisuj ,Cii1noas sup Aq pamoas sums ail XBd of pai28ijgo 1Clleuosiad iou si (q) `ivamn1isui 1Ciun308 sup Jo suilai alp Japan 14Jadoid aqi 1.4 ;Sa1a;m 5 ,Jau2is -o0 agi 1CanU00 pue ;11218 `082841ou 01 Apo ivamnJisui X4!Jnoas sup 2uiu2is -oo 5! (2) „Jau2is -o0„ e) atom agi ain3axa iou saw inq ivamnIisuj 1iimoas sigi stars-op o4M 1aMO11Og 1(112 `JanaMOH 1210A05 put iuiof aq !jugs 1;ij1g2[j pue suoii284go s,Jamo11Og Imp saaw&s pue 5411e110A03 JaMOIJOg •punog su8lssy pug saossaaans :saau8►s -op :,f ;limgen !clangs pug iuiof •£i •1pama1 Jo 1421J 1Cue 3o asl31axa agi apnioaid 10 JO JanieM a aq iou !jugs `anp uatli iunowe agi uagi ssa1 51111101112 Ut 10 JaMO110g 3o isalaiuj u! S10SS000ns Jo sawn `suosiad pJlgi uoi3 Sivatu1Ced Jo a3u1ida002 s,Japual `uoli2iimT1 inogiiM `8uupnjpul dpamai 10 1.4211 Niue 8uisioiaxa u! Japuo'i 1q 03u1JeagIO31Cuy •JaMO1JOg3o 4501011.4 ui s1OSSa3ons 1ue 10 10M011Og 1211181/0 aqi 1(q ap2u pu1map 1Cue Jo u0Se01 ivamnJisui 1(ii1n3as sup Xq pamoas sums all 3o uoi1BZ!TJOUie ,(mow as!M1ag ;o 10 1U0U11(2d 103 01119 puaixa 0f asttja1 01 Jo J0MO110g 3o isaJa;11i 11! 1ossaoons iiue isui282 s2uipaaoozd 031101.1111103 of paw aq iou Hags Japual •JaMO11Og Jo isaIaiui 111 SJOSS033n8 ,(ue 10 J aMO11Og 3o 1iujig2ij agi ase0l0J of awBJado iou jl2gs 10MO110g JO isala4UJ 11! JOSSa00ns 11112 10 JaMO11Og 0i J apua' /Cq paiu112 ivatunzisui ,Cilm3as sup Xq pa1n0as suns a 3o uol4Bzglotu2 3o uo1i20g!pom 10 100u112d 103 amii agi 3o uoisuaixg •agnleM g ioltj aapua' /Cg aaueagagaod :pascaiag ;IN aaMoaaog •Zi 0 €5-44S 104 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) pa 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 MFWY3112 C)-6(WY) (0005) Page 11 of 15 40018 Form 3051 1101 1011 690£ 111l0j 8TOOP qOT 91.10 Zl eOed (soon) (Am)9 ZTTEX14. N •dnueaJD rentauruollnug tie 103 lapua-r uo not ;e2i1go 2(112 012013 mugs uraiaq 2ulgtom •MU'r r2;Uautu011nug miM aOU2p1o332 111 suor ;32 lulpauwal X.messaoau ire mint A1;duzoid Hugs lamollog `Lressaoau st 4ladold a4; 2ulloaJJ2 aoue;sgns snopiezeH Attu 30 uogelpauIal .rah ;o 10 12201110/ 2(112 1241. `A .112d ateni1d Niue .to `Tt1oq;1e 2.ro ;urnSaz .to re ;uatuunno2 2(1111 2q pajgou St to 'SUMO' 10MO11Og 31 •,clladold aq; Jo amen a4; wage 2rasJanp2 43i4M aouetsgns snopteL8H jo aseara.i to asn `aouasald ait 2q pasnno uo111puo3 Attu (o) put `a3Ue ;sgns snoplezeH 2(1113 Jo 05130101 30 ;2014; to asealal `aa1243s1p `&1!) ear Tu11l!ds 2(1113 `01 pawn!' tou rig gulpmOU1 `uo111puoD lu ;u0tuuo1lnug Aug (q) `a2paimotni 'ewe se4 laM011og 4Or4M jo Mei r2;uauruonnug to aouulsgns snoplez8H Attu put 2padold a4; 2UInronut wed a;unud to AOUa& 1lo;ulnSa1 to r2luauttuanos ,(112 ,(q trope 104 10 to 1m5M21 `puetuap `tt1i4313 `uo1 ;2S1;sanur 1(112 (2) Jo 03! ;0U ualtt1M lapua'r an!2 2r1dmoid 114345 1oM0110g •(s ;3npold latunsuo3 ul scour ;sgns snop12ze4 `01 pa ;iuzir 4011;nq `&gpmoui) 2lladold a41 jo aou43ualut2ul o; pue 5052 12[;Uapisai retrtl0U o; ateudoldde aq o; paziu503a1 2(llelauaS are ;2 saotruisgns snop.tuz H jo sat ;i;uenb Hews jo 1padold 041 uo ag21o4s 10 `asn `aouasald a41 01 t(rdd2 ;ou netts soou0tuos omi 2uipaoald aq j •Xlladold a41 Jo 02122 alp mane 1raslanp2 1241 uolllpuo3 u 5042013 `aou2;sgns snoplezeH 2 jo 0520101 10 `asn `aOUasald a41 01 anp `113igM (o) 10 `uoI ;IpuoJ 124Uaunt011nug 1143 5012013 4O14M (q) `M2'r 12;U0umm011nug /(ue 3o n0t 12jOIA 11! SI ;u (2) t(lladold 041 8ui ;Oa332 2u144I(ue `op 0; asp 01102(1113 MOrle IOU `op tot Hugs laM011og •Atladold a4; ui l0 110 `Sa3uu;5gns snOpl22eH 1112 0520101 0t 110;2014; 10 `Sa3U2 ;sgns snopl2zeH Atte 30 aseal01 to `08131045 `r2sodsip `asn `aouasaid a4; ;nulad 10 05223 1011 1re4S laMOl1og •dnueaID [21uau3U01Inug ue 1088114 0S!M1a4 ;0 10 `01 a;ngI14uo3 `05223 uu3 ;em1 uoi ;rpuo3 2 sUeaui „uoi ;tpuoD r21uautuoilAUg„ ue (p) put `.M21 retuatnu01IAUg ur paugap Se `110(;32 122011301 to `1101 ;343 lelpau3a/ `U01432 asuodsal 2ue sapm3ui „dnuear3 121uaUIUO11AU (o) `uoil3a ;old re1uautu01inua to /(laws `411204 01 atrial 1241 pa123o1 si 4ladold a4; a104M u0t;3lpSrm f a4; JO sM2i put sM2r r21apaj 51143atu „M21 l2 ;UaU3uo1rnug„ (q) :Sret1312W 9A9320Ip21 pue `ap24apr43[Ulo3 10 so;sagse 8u1u1r;uo3 sr2ilateul `S ;uanros 011143102 `saploiglaq pue sapl3l ;sad Olxol `slonpold umalollad 31x01 10 argeuru3eg 104 ;o `auasolair `011110528 :sa3uetsgns 8uIM011O3 a41 pue Me 4 r2;uamu0l!AUg 2(q sa;seM 10 `Slue ;mlod aotretsgns snop1eLe4 l0 31x0; se paugap sa3u2 ;sgns 05041 ale „s03u43 ;sgns snop1eLeH„ rZ uo113as 5141 111 pasn sd •saaae;sgns snop.iezlH 1Z •0Z 11011305 s14; Jo suoIstnold 1101132 ant ;391103 a'ret o; 1;►untloddO put 03!10U 041 iJst ;2s o; pauraap aq Hugs 81 uoi ;3as 01 ;uunsznd lamo11Og 01 110218 u0i ;21010332 3o 031 ;011 041 pue ZZ 1101130S 01 luensmd laM011og 01 110248 01113 0; 2tiun ;loddo put Uoge.ta 0332 JO 031;011 041 •gd21821rd si4; 3o sasodmd 10j a1442uoseal aq O1 pautaap aq rrlM pound auu; ;241 `110)12; aq 1123 trope 11124103 alojaq asd21a tsnu3 13mM porlad amp 2 sapinold Meg a1g23lyddV 31 •1101132 0A11301103 9/re1 01 0311011 43fS J0 8U!Ai8 041 1082 porlad 014131105201 2 olaiO4 Ailed 10410 a4; pap10332 put 432a1q pa8alre 43ns 30 (s r uOr;3as Jo stuamalmbal 041 4 ;1M a3ue11dtu03 ul uanls 031;011 43ns 41tM) &led 1a410 a4; pagl;ou se4 lapua'r l0 laM011og 43ns 1!;112 `;uauml1sur A1jlnoas 5144 `Jo unseal Xq paM0 Amp 1(1113 10 1O uotsinold 'Cue pa432a1q se4 Aped 10440 alp ;24; sa8alru 424 10 lu0turtnsur ,(;(12305 5141 01 ;Uensmd soot ;32 s ,A1143d 10410 041 11301] 505112 124; (sop u Jo lagtuau3 041 10 11188[111 12nP1niput 112 104;13 se) 1101132 r2ioipn f 1(112 01 paulof aq to 'up!' `0311011111100 Attu 1apua'r 1011 laMOl1og la4tiam •1ase431nd atom amt 1(q papinold a51M10410 ssalun lase40md atom a4; ,(q patunsse 1011 018 put 103IAlas 1120'4 305503325 2 01 p0119jsu131; aq 10 103!A10s 11201 041 41!M 111211301 111m 1aM011og O suo422lrg0 &utol/ins ueol aSt 84otu a4; `atom 041 Jo laseg3md a4; tru 10410 103IA198 1!201 43 1q pa3lnlas sr ueo1 04t 103r20104t pue pros SI atom 0 41 31 •8u131nlas Jo 1aJsu1:1; 3o 0311011 2 411M uol;3auuo3 UI sa.rmbal 0S72498 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. MFWY3112 dagb -6(WY) (0005) Page 13 of 15 106 40018 Form 3051 1/01 104 6SO£ wJOj laM011Og- (moS) laM011og- ([naS) ioM0ll0g- 1aMO110g- (Inos) (inos) °lt pllrm pap.rooai pun ,ramoi1og q palnoaxa .rapig i(un u! pun luaurnxIsul AlpmoaS spit u! pauretuoo stunuanoo pun suz.zal MD of s00z2n pun s;daoon 1amo1.pog 'maim JNINDIS AEI L 0 8t00t+ Sl 10 4l aBed lamollog- laM011Og- (InaS) (soon) (J1M19-Cats ZtTEXM3YI :sassautpM 1011 190£ wa03 8TOOP opgnd ,CJ o(4 crorp tAr arY9 -1 7T1 12 11 cue LpVO•LtA :ss ,f;unoD 60T sI. w st seed (soon) (AM)9 Z i£SM3I^I t 00 �1�lWW°0 �tYll 10 elviS o :sazcdxa uo!sstuzuzo3 �Cysj 1120 19 U i-X1 YT' v-dv r Im 1' C3 stuff auz azopaq paSpa(mouxoe seen luauznmuc 5uioSazoj aqZ `9NIWOAM ao wt.'s SCHEDULE C 109 The land referred to in this commitment is situated in tlae State of Wyoming, County of Lincoln, and is described as follows: Part of the SE 4SEU of Section 9, T34N R119W of the 6th P.M., Lincoln County, Wyoming being more particularly described as follows: BEGINNING at a point 30 feet westerly along the southerly line of said section from a brass cap monument marking the Southeast corner of said Section 9; said point of beginning being also in the West line of County Road No. 12 -125; thence continuing westerly along said southerly line a distance of 366.6 feet; thence northerly, parallel with the east line of said Section, L48.5 feet; thence easterly, parallel with said southerly line a distance of 366.6 feet to a point in said west line of said road; thence southerly, along last said West line and parallel with last said east line, 148.5 feet to the POINT OP BEGINNING.