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HomeMy WebLinkAbout872467Return To: Prepared By: Sharon Walker DEFINITIONS Lender is a A Wyoming Corporation organized and existing under the laws of Cr) ®6(WY) (0005) Page 1 of 15 MW 05/00 Ioit(als: VMP MORTGAGE FORMS (800)5 -7291 872467 RECEIVED [Space Above This Line For Recording Data] LINCOLN COUNTY CLERK 01 Apr —3 pm 1:52 JEANNE WAGNER KEMMERER WYOMING MORTGAGE BOOK 4 P PR PAGE 0 4 1 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated March 30, 2001 together with all Riders to this document. (B) "Borrower" is Jared Hansen and Ni kol e Hansen, Husband and Wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is Major Mortgage t Wyoming HANSEN, J. AF 1061286 WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 11 A 1 1 II 11 III ?1 0 agr2uotu pameiaz iiumapa3„ g se Ajllenb lou sop ueo'i ail ji uana „mot a2e2pouz pomp/ it0irzapaj„ r of pre2az ul pasodurt are legi suotloulsaz puu sluatuaztnbaz iIu of szapaz „ddsgg„ luautnnsui Alunoas sup uI pasn sd 'Jallmul loafgns au ms atp suzanog rem uoprin2az JO uotleist20i zossaoons JO ieuotllppe iiue z0 `aural o1 amp tuozu papuamr aq 1igtut hip sr `(00S£ Ind '1I'3'o 17Z) x uotleinsm sll pur ('bas la i 09Z uotloas o S' n Z I) 1oy saznpaoozd luautalllas alrlsg ieag ail suraut NdS pJ 1 (0) •luauznzlsui /il sup jo uonoas zapun muumuu Niue (u) snid `aloN ail zapun lsazalut pur irdtouud (t) zo3 anp cunocur painpatios Aprin2az ail smart „luatuSra atpopad„ (Ai) •ur0 r ail `uo unejap JO `Jo luautifuduou ail isutg2u zapuari 2utloalozd aourznsut scream „aout3ansuj a3Eglaow„ (N) Ipadozd ail 3o uotltpuoo zo /pue amen ail 'ol se suoIssiuto JO `JO suotlrluasazdazstut (At) JO :uoileuuzapuoo 3o nati ui aoueJCanuoo (In) `�ivadozd ail jo urd ,Cue z0 7 jo Sum) zailo JO uotlrumapuoo (n) :Amdahl ail `3o uopanzlsap JO `01 a$eui p (I) :zoj (g uolloas ul pagtzosap sa5ezartoo atp zapun pied spaaoozd aoueznsut uuil zailo) Aired pztil /cue sq mud spaaoozd 10 `sa5utuep jo pi 'mammas `uopesuadutoo .fur suratu „spaaaoad snoauriiaasrytj„ (7) uopoas ut paquosap are lull sumall sot sum' „swan Modasa„ (N) szajsurzl asnog2uuuaio pametuoinn pur `szajsuuzl aztM 'auotldalal paluptut szajsuuzl `suoporsuezi autiorm mum pomgmoinu `szajsuezl airs-Jo-mod `01 pallttttl lou st lnq `sapnput cum ions •lun000r tte ltpazo 10 ltgap of uotinitlsut irpueug a azuotpnu zo lonzlsut `zapzo 01 se os adul otlauRetu JO `zalndutoo `luautnzlsut otuoidaial `IuuluL1 1 otuozloaia ur i2nortp paletltut st tiotiM luautnzlsut Jaded reittuts JO 'grzp Vaio paluuouo uotlorsuezl r ueil zailo `spunj 3o zajsurzl iiue smart „aaJsueay spund aluoipaid„ (p) •uotlrztuegzo Jruugs zo uotlrtoossr szaumoautoi `uoprtoossu tuntutuzopuoo Auadozd ail JO zaMOZZOg uo pasodurt are lull saSreio zailo pue sluatussassr `saa3 `sanp HE stir= „sluautssassV put 'saag 'sang uoprpossd dltununuoD„ (1) •suotutdo ietotpnf aigriraddr -uou `irut; aigrotiddr Iie sr Ham sr (Mei jo lova ail PAei lrg1) szapzo pug saint antiellstututpg pur saoueutpzo `suotlrin2'az `salnlels irooi pue aims `iezapaj aiquoiidde 5uttiozluoo HE scram „MU1 aigBatiddy„ (g) uapLH aouPunsui a6e61JoN [A3loads] (s)zatpo I x 1 zaptg luauchd iipiaaMtg zaP!JJ VA n zapt2I Ailttred b-i n zapra luatttdopnaQ ltun p n zaptg uoollgg zapm auzog puooas I zapt21 tuntutuuopuoD I zaptg alrg aigelsnfpy [aiquotiddr sr xoq 313 alp] zaMOIOg palnoaxa aq of are szapt21 &utmollod atTJ •zaMOZZOH palnoaxa are 1ei1 luatunzlsui iiltznoas sup 01 slam 7 sum' „saaptg„ (D) •lsazalut snid luatunzlsui Allznoas stir zapun anp sums Iir pur `a1oM ail zapun anp salreio alri pue sa3zrio luami edazd Aur Isamu! snid `a1oN ail ifq paouaptna lgap ail suratu „ueo-„ (3) „•Suadozd ail u! sul2R1 jo zajsuers„ 2utpuati ail zapun Moiaq paquosap st l tp Suadozd ail suratn „Spadoad„ (d) T 80 Z 'T A u dy uutp zalgi lou IIn3 ut lgap ail gird o1 pur sluatu1iud otpotzad reinRaz ut lgap stir iird of pasttuozd sgq zamozzog 'Isamu! snid 00' 05T Z6 's'n) sre li o u 00 T /ou pre 4 -3 paupunH aup pupsnoq zapual saMO zamoziog Tell salels alobi at i TO0Z 'OE Lou 2W palep pue zamozzog pauSts alou £iossttuozd ail sum „atom, (a) •luautnzlsui Allmon stir zapun aagapoul am Si zapuai 9 to z eBed 98Z1901 3y T 'N3SNVH 'wolf zapun „ueoi Moo) (AM)9 giro `uotleitt2az &utluauiaiduit TOOZ8 AM euuaXay6 any i'9,1P3 OZOZ st ssazppu s,zapua7 TRANSFER OF RIGHTS IN THE PROPERTY 043 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the County of Lincoln [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Part of Lot 2 of Block 21 to the Town of Afton, Lincoln County, Wyoming being more particularly described as follows: BEGINNING at the Northwest corner of said Lot 2 and running thence South 6 rods; thence East 8 rods; thence North 6 rods; thence West 8 rods to the POINT OF BEGINNING. Parcel ID Number: 12- 32183031117800 which currently has the address of 415 Adams Street [Street] Afton [cit Wyoming 83110 [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 payme under the Note or this HANSEN, J. 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(q) :goo (e) :rapua'I tCq palOaTas sg `swig; all ;o 910111 Jo auo at aptul aq IuatunJlsul '(Tunas sup pug 01°N all Japan anp sluaurt(ed luanbasgns Ile Jo rite 1m11 annbaJ Timm Japuaq `p!edun Japuai 01 patunlar s! Iuatutulsul t(1!Jn0as 9 L 4 b e (90001 (AM)9- co 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 margive Borrower a notice identifying the HANSEN. J. AF 1061286 -6(WY) 10005) 08724G7 045 Initial Page 5 of 15 Form 3051 1/01 LO /L LSOE w.ioA 91. ;0 9 e6ed (9000) (AM19 CZ) 98ZI90I dV °C °NJSNVH t1iM `anp uagl iou zo zagfatM luauznilsul Altznoas still pamoas sums am of patiddt aq iregs spaaooid aouuznsut ail `pauassaj aq mom ,'lungs s,zapua'i zo aigtsuaJ ,iiizotutouooa iou st ztedaz JO uopgzolsaz at1 3I •z0M0110a 3o uotpE2tigo aios atii aq 'Tags pug spaaoozd aougznsut ail jo 1no ppd aq you ins zaMouo paurelaz `sapiud min zatlo JO `szalsnfpg ot'gnd zoj saga •spaaooid Lions uo aunuEa z0 Isamu! Aug zannouog AEd op pazmbaz aq iou iiggs zapua'i `spaaoozd aOUgznsut tons uo ptgd aq op Isazalut saimbaz Mu'i aigEOtiddd JO upt1M ut apuur st luatuaadE ug soma •palaiduzoo st voM aq1 sg sluatuuEd ssaBozd jo sus g ut z0 luautAed 015uts g ui uotlgzoisaz pure sjtgdai aril zoj spaaoozd aszngstp Aux zapua-i •,fpdutoid ua}ieuapun aq iiggs uouoadsut tons 1et1 paptnozd `uotlogjstws s,zapua'i o1 palaiduroo wag set vizoM atp amsua Ol Auadozd tons ioadsui of Altunuoddo ug peg sgg zapua'i !pun spaaoozd aougtnsu! tons pioq 01 11811 my aim Ties zapua-i `pouad u0tfezofsaz pug zredaz tons uunQ •pauassai iou st jClunoas s,zapua'i pug aigtsgaj Aiigotuuouooa st zredai zo uotlezolsaz alp j! 'filmdom ag1 jo .nudaa 10 1109E101Saz 01 pandde aq iiEgs `zapua'i sq pazmbaz seM aOUgznsut 3utAuapun at1 iou 10 =prim `spaaoozd aoueznsut Aug `$uiuM u aadu astM.tatlo Jamonog pug zapua'i ssaiun •zamouog Act 1 ildmoid am' iou 3t ssoi jo jooid miler Aux zapua'i •zapua'i pug zaureo aOUeznsut atp o1 aotlou idtuozd anI2 frets zam0zz0g `ssoi jo legit ail ui •aaAgd ssoi iguotltppg ug sg Jo /pee aa2g2uout sg zapua-i aureu iiggs pug asngio agffuotu pzepUels g apniout frets Aogod Lions `,CUadozd agl 'Jo uoponzlsap JO `01 OgEurep zoj `zapua-i sq paztnbaz astMZatlo 1ou `028z0AO3 aoueznsut jo uuoj Aug sujlgo aaMOizog 31 •saotlou 'gmauaz pure stuntuuazd pied jo sidtaoaz ire zapual of At Apdmozd Titus zamofog `saztnbaz zapun 31 •sapgogtuao "maim pug satotiod atp pioq o1 1t2U alp anvil tigts zapua-i ssoi reuontppg UE sg z0 /pUU aau2u0ut sg zapua'i auivu Trets pug `asneio a8e2pzour pzepuups u apniout 'Tugs `satotiod tons anozdddstp o1 ig2u s,zapual o1 ioafgns aq huts satotiod tons jo sieMaua.r pug .iapua-i paitnbaz satotiod aouvznsut Iid luau /Cud 2utlsanbaz 3OMOIIOg O1 iapual wog aotlou uodn `lsazafut tons !pit `aiquAud aq Timis pug luautaszngstp Jo aigp ail wog a1E1 aioN a L1 pE isaiaim nag Hurts muumuu asara •luatunulsui'iltmoas still iiq pamoas aaMO.uog jo lgap JEuop ppg auiooaq Iigts S u0poas sup iapun zapua'i sq paszngstp muumuu u Cud •pauE1go anet moo aaMOZZOg imp aOUg.insut 30 1soO at1 paaoxa Ailuvouu Sts uplur pammgo os a2EZ0n00 aoueznsut aril Jo lsoo at1 2Et1 sapaimoU3 E zamOzz0g •1oa3ja ut 1i'snotnazd seM ea a; ezan0o aassai zo zalead aptn0zd 1tatur pug Altitgt:t' JO pzezEt `)isu Aug ismag `,ivadozd ati jo slualuoo ail zo 'filmdom a p ut Aitnba s,JOMO.1.1Og `zamofog 1oalo.rd iou pti2pu 10 iq2 ut 1nq `zapua'i zano0 ITEgs auzan03 lions `aaojazatij •a2EZanoo JO lunouIE zo ad1ii .EinOtuEd Aug asgtomd o1 uotMtigo ou .iapun st zapua'i •asuadxa s,zaMOZZOg pug uoido s,.rapua-i 1g `ag.tanoO aotreznsut ureigo Aguz zapua'I `anogg paquosap sag1anoo agi jo Aug urefutEUU of sitgj zamoz1Og •1aMO.uog sq uonoafgo ire wog &uninsaz uopuup Ualap auoz poo13 ifuE Jo mot/kw at1 t1tM uotloauu0o ut iiouad luatua3EuEN Aoua2zauig iEZapad atp sq pasoduu saaj Sue jo luauiAed aq1 zoj a'gtsuodsaz aq OSII Iregs 1aMOZZOg •uot1uogtuaO JO uotleuruualap tons 1oajjE 1tRtuz AigeuosEad tiOttM moon saSueto Rump JO autddEUZaa aturl toga sa ng° luanbasgns pug soot/ um uomotjtuao pug uopEUIUUalap auoz poor lOj agztto atutp -auo E (q) JO :SOOTAJOS &uppElp pug uoquo!Jtl1ao `uotlgunurapap auoz poor z0j a1Eto aunp -auo E (v) :zatita `mEO'i still t11M U0Uoauu00 Ui `pied 01 1OMOIIOg aztnbaz Arm zapuari •Ajgvuosgatun pastozaxa aq iou TIggs t0ttM `aototO S,zaMOI1Og anozddEstp of 1qu s,zapua'i O1 loafgns zaMOZZOg Aq uasotO aq TITS aouemsui ail gutptnozd 3aizz1O aougmsut atL •uv0'i a il jo uuai atf 2uunp auei0 ueo saoualuas 3utpaoazd at1 01 luEnsznd sazmbaz zapua-i 1gtM •saztnbaz zapua-i fgtl spouad ail zoj pug (s'anaj aignonpap ffutpnIout) muumuu ail ut paummuuJ aq ins aouEZnsU! stria, •aOUgznsut saztnbaz Joplin tOttM zo; `spoon pug saNenbquga `0l paftuut' IOU pnq 4 2utpniout spi zgt zat10 Aug pug „`auzanoo papuaixa„ tuzal aq1 uttITM papnioui sp1EZgt `azi3 Act ssoi 1SU!E E paznsut AuadOzd app uo paioaza SauEazat 10 2utlstxa Mou s1ttaUtan0dduii at(1 daa?T Tigts zaM0110 •aaugansuI ail i dodd •S ueo'i still t2tM uotloauuo0 ut zapua'i pasn aotnzas 3utuodaz .IO /pug AOrpu0Urzan xgl algpsa rear E JOj amp atutp -auo E tiEd 01 zaM01JOg aztnbaz Amu zapua'I uOpoas spy ut an0gE 11110j 10S SU0!IOE at1 JO a1OUW JO OU0 031E1 10 UOTI agl iC3s!IES nets 1aM013Og `ua/4 st aotlou wry tOitM uo a1Ep at13o stCEp 0I uttptM •ua!I 9190 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 HANSEN. J. AF 1061286 -6(WY) ■0005) OD Page 7 of 15 0 4 Form 3051 1/01 LO /L LS0C WIOf V g L308eeed :e�eil!UI 98ZI90I TV '1' 'N]SNVH •punjaa ,fug aatoaaog al ;I ;ua ;ou ;Item £aq; pus 'aaugansul agufl JoJAJ ao; aMO jlt,ti aamo.uog ;unouze aq; asgaaau; ;ou ;um s;uaumaaag guns •ugoi ail; jo suzaa; aaq ;o Sun JO 'aausansul agg31aoj j ao3 And o; paaagg sin( aaMoaaog ;eq; sumo= aI; ;aa33g ;ou not s;uaWaaaas gang IfuV (g) :aagund „•aouglnsu ;al anildd3„ pauual ua;3o si luama2uglly all 'Jammu; ail; of pred sumnuaid all 3o algls E .103 a2ugg3xa ui 31sil s,lalnsu; al; ;o aiggs E swig; lapua•l 3o almi;g ;g tie ;mg; sapin0ld luauWaaI E guns 3I •sassol 2uionpal 10 '3;su monism a2g211oW all $u;App0W a0 211;. egs 103 affuelaxa Ui `a3ug1nsul a2g2i1o1s 1o3 sluauggd s,lamonog jo uopiod g (sr pazpalourelo aq 1g5icu 10) mo13 ant16p ;mg; s;unoui (Alloa.gput so Apoagp) an;aoal Awl `iuto2alo; aq; jo Sue jo a;e ;I!JJE tiUE 10 `ii111ua .lallo Aug `1ainsutal 1fug `walnut aalloug `aloN al; jo zasggoind Aug `lapuarl `sluamaaJ asam jo ;Irma' g sd (smmcuaid aODUnsui a2g21.1o1A1 mouu pauteigo spun; apn;Out iigw gotgM) aiquitgng anal ,iew Jammu; a2g211om aq; ;ell spunj jo aoinos Aug SuIsn s1uaudgd a3l11W of Jammu; a2E211o111 all annbai Am' s;UamaadE asagl, •sluamaaag mom o; (sound 1o) A;agd aaq ;o all pug Jammu; a2u21Joul all o; A.101O Jstles wag ;gip suot;tpuoa pug suual uo OIE sluamaa1 asata •sassol aOnpal JO `31s!1 J;ali X3ipow 10 amp 111111 sound 1ag;O glint s1uamaalgE O;ui 1a ;Ua X= pug 'amp 01 am11 m013 a3103 U1 a3UElnsul gons ;Ie uo 3lsu Flo; uaq; a111n1Ena slalnsut age21aoN •aoug1nsul agal1ow alp o1 A;1gd g ;ou sl 1aM011og •paadv sE uuu all Ada' 1011 swop 12Mo11og 3i "mu; Amu 1; sassol u;ul1a3 ao3 (aloN ail; sasegolnd 111g; Alpo Aug 1o) lapua' sasingmial aOUelnsul a2E211oj •aloN ail; u; pap;noad alga alp ;e ;salalui ,iRd 01 uopg2 ;lqo s,1aM011Og s1o033g Oi uopoas still w &utgloN ME' ajgEO;lddy palmbal s; uotlgu;uua; ;pun so uopuu;uua; ions 1o; 2u;ptnold lapuarl pug 1aM0110g uaamiaq luaulaaJ2g uanpM ,iue gl;M aougpi000g ut spua aolrelnsul a2g51aoyq 1o3 luamaunbaa s,lapua-1 ;pun 'aMasal ssOJ alqupun;ai -uou E ap ;Woad 01 10 `13a33a u; a3ue1nsul a3ai10JA u;E1UT Ui of palmbal sulntmaad aq; And Buis 1aM0110g `aOUglnsul a2E211o1 103 suznimaad ail; pmMo; sluamAed palgu2 ;sap Ala;gagdas 03lBW of pa1tnba1 SEM 1amo1aog pug UU0' all 2uplgm 3o uo ;l;puoo g sg aouu1nsul a2ggpow paambaa aapuaJ 3I •aOUelnsui a2gllo1/1 1o3 smntuzaad all p emo; s;uawhd pa ;Eu2 ;sap Ajaluludas sagnbai aapuo' pug `paulu;go si `aigv;tung samooaq uT8g lapua-1 paloalas 1ainsut ue pap;nold (sagnbaa aapua -1 mg; pouad will ao; pug ;unou1 all u 02EJOAoo aoug1nsul a2e5 ioyv 3i s1uau,(gd anl001 SSO; alinbai 1wSuo; ou ugo lapuarl •anlasal ss01 gons uo s$utu1Ea 1O ;sala;ui ,iue 1a/A0110 ,Cud of palmbal aq 1011 Ilggs Iapuw-1 pug 'Iin3 ul pled A;a;gW!;ln s; uuo-I all mg; 13E3 all 211;puelsggmlou 'aiggpunja1 -uou aq ;lis anaasal ssO1 lions •aouuansui a2g21Joj, 3o Hall u; anaasal sso; algEpunpal -uou E se s;uamkEd asagl MEW pug asn `;daoog ;m lapttw-j •;00; ;a UT aq 01 pasgao a5uaano3 aoueansu; will ualm anp want legs s1uaugud pa1EUSlsap Ala1E1Edas ag13o ;mourn all lapuwrl o; ii Ed o1 anui;uoo ;lugs 1aM011og `aigBlrenE 1011 st a2elan03 a3ug1nsul agEff11ow 1Ua;Entnba JIlepue1sgns 3I •lapua•l paloalas 1alnsu; 02E2110W a1EUlallg UR wog `13a ;3a ut iilsno;na1d aoue1nsul a282110JA aql 3o 1aM011og o1 1so3 all 01 lualunmba Aiigt;uuisgns 1so' a ;e `loa3 ;a ut iilsnotnald aOUElnsul aSE2ylow all o; ;ual!ntnba AIie ;lu1;sgns 1 AOO u;g ;q0 01 paambaa sulntwald alp ,iEd Ilggs 1amo11Og `aOUelnsul a2e2110yi 103 sung maid ail; plumo; s;uawhd pal11uff ;sap S;aleledas alum 131 paiinbal SEM aam0110El pug aOUVlnsu! 'ions paptnoad Ajsnotnald ;Ell Jammu; a2Eg11ouI aq1 Wo13 alg11lt11n11 aq 0; SOSB O lapua-1 Xq pal;nbai ageaanOO Oouelnsul a3E21101,1 aq; `uosgal Aug 103 `3I '1 ul aOUVlnsul a2u211o1N ail; urelu;gm 431 paimbaa suln1Waid agl iced hills 1am0110g `ueoZ all 2unleW ;o uotltpuoO a sE wOUElnsul a2E$11oj palmbal lapuw-l3I •aaugansul a2e3;aow •pi iuilt1M ut 1aiiau will Ol saa1211 lapua'l ssalun a21OW lou imp aptl aa; all pug plogasgal aqi `ii11ad01d all 01 wild aa3 saltnbOE 1amouog 3I usual aq; jo suo ;s;nold ail; II11 ill ;M Aldmoo hugs 1amo11og `p ;0gaseal a uo sl ;uamnllsul /1 ;lnOas sup 3I 1'1am/cud but ;sanba1 1amo11og of lapua-1 Wo13 aopou uodn `;salalut gons g11M `alg11k11d aq ;TT pug 1Uamasingstp 3o amp aq1 wog a1e1 a1oN aq; 111 ;swam; 111aq II111s slunoule asata •luamnllsul i(;I1nOas sill A palnoas 1amo11og 3o ;gap 111u0111ppe amooaq Buis 6 u0!O3s sup lapun 113U l iq pasingsip muumuu thud •6 uoi1Oas sun lapun pazu0q;UE suo;131 Iig 10 Aug 3upJE1 1011 103 AlIIlg11ii ou slnou; aapua-I leg; paaae s; it •05 op 01 uotle2tlgo 10 Niue iapun ;ou s; pug os op 0; anvil 1011 swop lapuarl `6 uo ;lows sup lapun U0i1 W a3IE2 lapuarl lgnog2JV •33o 10 uo pawn; saIllllln an11 pug `suoillpuoo snolwuvp 10 suo ;111101n apoo 1ag10 10 211 ;pltnq a;11u1Wila `sadid wog 1a ;EM'gm) `sMopuiM pug sloop do pa11oq so a3g ;dal `spol a2uvg3 `s1 ;Eda1 algal of Alaadold agi 2uualua `01 mpg; 1011 s; ;nq `sapn1OU; iilladold aq; 2uunoas •2utpa3oold Aoldnlnlugq E u; uop ;sod palnaas s li 511 ;pnJOU; `luaWnalsul Aginoas sun lapun s;12 ;110 /pug ,(laadold all u; ma'am; s ;t 13a101d o1 saa3 ,sAaulolle 1 0 4 91;�'�,gO (5000) (AM)9- (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. HANSEN, J. AF 1061286 -6(WY) (0005) Page 9 of 15 08724G7 049 Form 3051 1/01 98ZI901 3d •P 'N3SNVH luaumzlsul Aumoas sill aapun 1uautalinbal gutpuodsalloo aqi djspes Ulm luautaltnba1 mE-I aiggoijddy agi `ME-I ajgEoiiddy aapun paunbal osje si luaum.ilsui Al sup /Cq paltnbal aoilou Aug 3I •aapua-I xq paniaoal Ai[Enl3E jilun lapua-I 01 uanig uaaq aneq 01 pautaap aq IOU jjegs luatutuw i /ltmoaS sup Rum uop3aUUO3 ui aopou Aud •1amouog 01 ao!lou,iq ssaippn 1oq oug pawugisap sgg aapua-i ssajun uiaaaq pawls ssalppE s,lapun o1 iieut sselo 1s1IJ gugt ui dq so 11 guuanijap ,Cq uanig aq !Tugs aapual o1 aotlou Auy amp aU0 Aug w Iuautnllsui A1unoas sup aapun ssaippE aotlou pawugisap auo Ajuo aq Amu aiagy •aanpaooad paijioads lEg1 ggnolgl ssaippE jo agurgo E nodal Aiuo jig 'Ts 1aMonog ua p `ssaippe jo aguggo s,lamo.uog guiuodat ao3 ampaooid E saijoads lapua-T 3i •ssaippe jo aguego s,lamonog jo lapua-I Ajpou Apdutold lie 'Ts 1amouog •lapua -I of a0pou ,Cq ssaippg aoilou alnitlsgns E paleugisap seq 1aM0110 ssawn ssaippy Auadold a 'T1 aq hells ssaippg aoilou au •as!Mla'Tlo salinbaa Ajssaldxa mw aiggotlddy ssaiun slamouog Hu 01 00pou a1nlilsu0o !legs 1 M011og auo Aug 01 a3120N •sueaUI lagio Aq luas 3i ssalppg aoilou s,1 M011og o1 paaanitap Augnm uagm 10 jieul ssgio wig pap m uagm 1amo11og Ol uanig uaaq aneq 01 pautaap aq jj gs luaTlnllsul /lilnoas sigl gUM u0p3aUUOO ui 1am011og 01 aoilou ,fuy •3uu1M ui ag lsnul 1uauttulsui iilunoas sup tlim uoiloauUOO ut lapua7 10 J M011og uanig saopou III' 'saa13O1s1 'SI °Oglg143l0n0 gons 3 lno guisuB aneq 1gg1Ul 1aM011og U0!13E 301ggi1 i UE 301anTM n alnlpsuo0 HIM 10m0110g 01 1uauliCEd loalip dg am' puma! 'Tons Aug jo 03UEldaom s,lamollog •(aloN aq1 lapun 103 papinold si agz tp luaugedald E 1011 10 1agla1M) agaEto 1uaulAEdaid Aug lno luaul/indaid intend E sE pavan aq Iiim uot1onpal agl `igdiouud saonpal puma! g 3I •1aMO11og 01 1U Ul&Ed loalip g 2ui)i1CU Aq so aloN alp aapun paMo wdiouud agl gutonpai Aq punjai sup aaietu of asoogo Ague lapuari •1amo11Og of papunjai aq !pm slnzni paulUUad papaaoxa goigM 1amo11og UI013 pa1oajjoo ApEallg sums Aug (q) pug `1um!! p 11 Uuad am 01 aglggo agl aonpaa 01 £1ESSaoau lunoure atp paonpaa aq !legs ag1E 'T3 ueo! gons Aug (E) :uatll 's1p -u palliuuad ag1 paaoxa ugOri ag1 gllp uoiloauu0o u! paloaiioo aq 01 10 pa1oallo3 sa5 ego! Jag° 10 1sata1U! ag1 wgl os palaidha1ui Ailmu1 Si mg! le 'Tl pug `saglego ueo! ulnuuxgut slas gaigm mg! n o1 loafgns si ugo-1 ag13I •mgi ajg(Oijddy 1uau1n11sui Iilunoas sup paltgigold ,Cjssaadxa aaE Imp saa3 aglggo 1011 )igul aapuari •aa3 gons 3 guiglego alp uo uotltgtgold g se panllsuoo aq 1011 !legs 1amo11og o1 aaj ogioads E ag°rego of luaumllsui iClimoas sup ui A1i1Oglne ssaidxa jo aouasgg all `saa3 1ag10 Aug 01 p111 01 uI •saa3 uotwnJEn pug uo!loadsui Suadoid `saa3 ,sifatuolw `01 pal!UTil 1011 lnq `guipnjout `luauuulsul /lilnoaS sup aapun slggu pug iivad01d am TIT Isalalui s,lapua' guiloaiold jo asodand alp 103 `1jngjap S,10MO11O13 gIIM uopoaUUOO ui pauuojiad saotn°Ias 103 saa3 1aMO1°tog 021E110 Jieu1 lapua'i •sagagq) u1O-I 'bi •lapua' jo sugissg pug slossaoons ag1113auaq pug (OZ uop00S ui papin01d se ldaoxa) putq !pp luaultulsui Ji1ilnoaS sup 3o sluautaalg1 pug sluguanOO au •guiluM ui asgaial tons 01 saalgE Japua'I ssaiun Iuaunulsul ii1unoas sill aapun Aliiiggti pug suop0g11110 s,1aMO110g UIO13 pasgajaa aq 1011 imp 1aMOlaog •luaumlIsul iilun0as sup lapun s(3auag pug slggtl s,lamollog jo LLE uielgo imp `lapua-I Ag panoldd1 si pug `guiluM ui luaulnaIsul Alim0as si 'Tl lapun suoiw$ijgo s,lamollog SaulnsSE own 1aMO11og jo 2Sala111l ut Iossao0nS Aug `gi uopoas 3 suoisinOld a'T1 01 200fgns •luasuoo s,aaugis -03 ail lnotiltM aloN am 10 Iuaumllsul 11unoas sill 30 suual alp 01 plegat Runk suoilgpounu0001 Aug aaieul JO 1gag1o3 'Ai31P =m 'puma 03 aalgg 11E0 10M0.1.10g 101(10 Aug pug aapun' 1gg1 50012E (o) pug `°luaW 111TSul ilun0as sup sq palnoas duns am Aed 01 palggiigo iillguosiad 1011 si (q) :luaUlnllsui Alunoas sup 30 mum ag1 lapun Auadold aq1 ui 15010111! s,laugis -o0 0gl iianuoo pug 11E12 `aggguoU1 O1 km luautnllsul iiltmoas sup gutugts -o3 sj (g) laugts -oo„ u) a30N all alnoaxa 1011 saop lnq 1uaUmllsui Ji1unoas sup sugts -o0 own 1am011og Aug `lanamog •!glans pug luiof aq imp AupgEq pug suoiwgijgo s,lamollog Imp Saalgg pug sluguanoo 1aMOlaog •punog sugissy pug SJOSS033ns :slau2is -O3 :Snippy" Iglanas pug lu!Of '£I •,ipaUlat s0 111211 Aug 30 asIOlaxa agl apnloaid JO JO 1aAIEM E aq 1011 hugs `anp uagl lUnoure am IIE ssaj slunoure UT 10 1aMO11og 3 lsatalui ui slossaoons 10 sapilua `suosiad paigl moil maul/cud jo aougldaoog s,lapual `uotl1l!ul?j lnogliM `guipnjout iipatuat 10 1112i1 ,CUB guistolaxa ui lapua-i aauz1Eaglo3 1iuy •1am011og 30 150101ul ui slossaoonS Aug 10 1aMO11og [guiguo ag1 iiq ap11U pugutap /fug jo 110001 'Cg 1uatutulsui 1(1n0aS sup Cq patinas sums ag13o uo11EztuoUre ijipoul as(Mlaglo 10 1u0UIAEd 103 anal puma 03 asnjal 01 10 lamoalog jo 150101 u! lossaoons Aug lsu1E5g sguipaaoold aouaultuoo 01 paunbai aq 3011 !Legs lapua-1 •10M0110g 3 ISalaIUi ui slossaoons Aug 10 1amo11og 3O /clijjguli ag1 as1aial 0l awaado 3011 jjggs 1amo11og 3o 1salalui TIT lossaoons Aug 10 1amo110g o1 lapua' ,iq paluglg luaumllsul ,ililnoaS sup Aq palnoas sums aql 3O uopgziuoure 3o uopEouipout 101u0UTAEd 003 011111 agl 3o uoisualxg •lani1M U lON aapua7 ,f1( aaugagagaog :pasgatag ION 1am0aa01( 'ZI 0 S0 9 L iO 0 L 08ed 19000) (AAA)9- adz 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 HANSEN, J. AF 1061286 (g:› -6(WY) moos) 087z:46.: 051 Initia Page 11 of 15 Form 3051 1/01 ?S L0 /L 650E uuod s�e!iiu) 51. to Z L eBed (5000) (AM)9- 98ZI90I V °C 'N3SNVH °dnuualj IeluautuOnnug uE 10J iapua-I uo uopE2qqo Atm aIEa.to hugs utaaag 2ujglol\l °Mr t IEluautuoatnug gltm aouepa000e ut suotloE tetpatuai AiEssaoau tie alel Alldutoad tiros aamonog 'Azessaoau s! ,Cuado.td ag12upoa3Je aouelsgns snop°rezEH Aue Jo uouEtpatuaz zaglo zo lenoutaa Aug 1em 'Awed alenud Aue JO `Alpoilne Aaolrin2aa JO teluautuaanoW Auu Xiq paujlou sj aIo 'moat zamozaog 3I °Auadoad aq1 Jo amen 0141 stoa3JE Alasaanpu gotgm aotrelsgns snoparzeH E jo asealaz zo asn 'aouasaad 0141 Aq pasneo uotltpuoo Aue (o) pue `aotrelsgns snop1EZEH Aare jo aseataz Jo leazgl 10 aseataz 'agaegostp `Eupteai `Sutiitds Aure '01 paljunl 1ou lnq 2utpniaut 'uotljpuoj IE1uatuuoltnug Aue (q) 'a2patmoual !mum sett aamoaaog gotgm Jo /AEI teluatuuortnug 10 aouElsgns snoturzEH Age puu Auadoad am gujetonut ,Cued alenud JO AouagE Aaovjn2aa 10 Ieluaunuan05 AUE Aq uotloe aaglo Io 1jnsMet `ptreutap 'uquto 'uot1E2T1SOnut AUE (E) jo aotlou ualltzm aapua7 an12 Alldiuoad hugs aaMoaaog °(slonpozd zautnsuoo ut saouelsgns snopezEg '01 paljunl 1ou inq '2utpnlout) Auadoad am jo aouEualutetu 01 pue sasn Ietluaptsaa Ieuuou 02 aleudoaddE aq 02 paztugooaa AIIEaaua2 aze legl saouelsgns snop1EZeH Jo satlpuenb Heats jo Auadoad 0 p uo a2ezols zo `asn 'aouasazd am 01 Alddg 1ou hugs saoualuas om1 2ujpaoaad atty °AUadozd ag1jo anlen 0141 MODE Ataszanpe leap uotltpuoo E sawwaao 'aouulsgns snopzuzgg jo aseataa JO `asn 'aouasazd am 01 anp 'gatgm (o) JO 'uoptpuop leluatuuoajnug uE saleazo gotgm (q) `MUZ 1Eluautuoatnug AIM JO uotlelOIA U! st 15t11 (E) ivadoad 0141 2upoaJJe 9uttl1Aue 'op 01 asp auoAtre mole JOU 'op 1ou legs zam0110a •A1a0d041 OM ut JO U0 `sourelsgns snopzrzEil Aue asealaz o1 ualuazgl 10 'saouElsgns snopzuzeH AuE Jo asuataz 10 'a9ezols IEsodstp `asn 'aouasaid am ljuuad JO asneo 1ou legs aam0zzog •dnueaiD 1Eluauntoatnug ue za99u1 astmzaitto JO '01 alnquluoo `asneo 11E3 15141 uojltpuoo a suuaut „uoultpuoD teluatuu0atnua„ to (p) puE :Me-I teluatunoatnug ut pauljap SE `u0pou jEAOLUaa a0 'toiloe 1Etpatua1 'uOIIoR asuodsaa Aue sapnput „dnueatj Ieluatuuortnug„ (o) :uojloalozd teluautuortnua Jo 'Claps `glteag 01 alrtaz 1Etp pa1EOOt st Auadoad 0111 aaagm uopotpsunf ag1 jo smut pure start tezapaj amour „MUZ teluauntozinug„ (q) :slEU31etu antlouotpea pue 'apAgapteuuoj _to solsagsE 2utuiR1uoo stetzamtu 'sluantos alt2Elon `sapptgzatt pue sapptlsad opal 'slonpozd tunaloalad opxol 10 aigeurtuEu 101410 'auasoaal 'aujlosu9 :saouelsgns gutmoll0j 0141 puu ME-1 IEluauntoatnug Aq salsEM a0 'sluelnilod `saouElsgns snopauzeq 10 otxol sE pauuap saouElsgns asogl ate „saouulsgns snopaezEH„ (r) :IZ uojloas sup ut pasn sy •saaue;sgns snopaBZtH 'iZ °0Z UOI103s spit Jo suotstnozd uotloe antloafoo a3Ie1 O1 Aljunuoddo pue aotlou am A3sj1ES o1 pautaap aq dugs 9i u0tloas o1 luensznd aamoaaog 01 uantg uojlezataooe 3o aotlou am pue ZZ uojloas of luEnsand 10M0110g of uant9 azno 01 Altunuoddo pure uot1Vataooe jo aotlou atl •gdEZ8EZed sjttl jo sasodznd aoj algeuosuaa aq of pautaap aq tijm pouad autjl legs 'ua)Ie1 aq ueo aotlou uteuao =jag asdEla lsntu gojgm pouad amp u saptnoad ajgeojiddd 3I •uopou antloaaaoo 031E1 01 aopou gons 30 5utnj2 0111 za13E pouad atquuoseai a olaaatt AuEd aaglo am papzoi.Ju pue gouaaq paSaile gons jo (Si uopoas jo sluauiaztnbat am till/A aouretldutoo uj uanp aotlou gons glib) Aued 101410 am pa!Jilou sett aapua-I a0 zamoaaog gons ltlun 'luatunalsul Alunoas sun `Jo U0seaa Aq pamo A1np Auu JO 'JO uotstnoad AuE pagorazq sett Aued aattlo am legl sa2allE 15141 10 luatutulsui Alunoas sun of luensand suojloE s,Auud aaglo am trim sasur legl (ssep E jo aaqutaut am 10 lue$titj IEnptnjpuj ue 1014110 se) uotloe lutotpnf Auu 01 painof aq a0 `ujof 'aouatuutoo hut zapua' JOU aamoazog aagltaN °aasegaind a20N 0141 Aq paptnoad astMaaglO ssalun aasettoand aloM am Aq patunssg lou an pug aaotnaas uEO'1 aossaoons a o1 paaaaJsuual aq 10 aaotnaas UE0'1 0111 141tM uteutaz 11!M aaMOaaog 01 suo11e$tigo Supp uas mot a2E2uout 0141 'aIoN am Jo zasettoznd 0141 uegl 101410 zaotnaas uuol u Aq paop os st ueo' 3141 za1Jeazagl pue pios Si aIoNt 014131 °2uptnzas 3o zajsurz1 JO aotlou a mph uopoauuoo ut saztnbaa 0 87 4 4G7 NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 05;3 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. HANSEN, J. AF 1061286 -6(WY) (0005) Page 13 of 15 Form 3051 1/01 LO /L LSO£ WJO1 Jomouog- (was) .iaMOUOg- (IsaS) .iamouog- Jatmouog- (isas) (Tugs) ]9MOUO1,1- lam011Og- (Tugs) (isas) 91. to b l eBed 190001 (AM)9-CD 9E1901 Jv •C 'N3SNWH iamouog- (isaS) :sassauliM ti11m papaooa1 pus iamoiaog ,Cq painoaxa laprg Aus ui pus luaunuisul 'C;unaaS Mil ut paumuoo s2us110n03 pus suual alp of sagas pus sidaoos zamonog `MO"Igg JI`IINDIS A STATE OF WYOMING, Lincoln County Ss: The foregoing instrument was acknowledged before me this March 30, 2001 byJared Hansen and Nikole Hansen My Commission Expires: j j9- D7 Notary Public State of Wyoming M Commission Ex.iresJune 14. 200 (SD 6(WY) woos) HANSEN, J. AF 1061286 °S 4 c-1 initi Page 15 of 15 Form 3051 1/01 05b C>-11R (0004) Form 31 Page 1 of 3 MW 04 /00.02 Initi VMP MORTGAGE FORMS (800 s21 -7291 08724c7 l� 4c MORTGAGE INSURANCE RIDER This Mortgage Insurance Rider is made this 30th day of March, 2001 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned "Borrower to secure Borrower's Fixed Rate Conventional Loan [identify type of note, e.g. fixed rate] note (the "Note to Maj Mortgage, A Wyoming Corporation "Lender of the same date and covering the Property described in the Security Instrument and located at: 415 Adams Street,Afton,WY 83110 [Property Address] The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at the lower right corner that is earlier than 3/99): Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's HANSEN, J. AF 1061286 Multistate Mortgage Insurance Rider Single Family- Fannie Mae Uniform Instrument 11 u 11 1 1 1 1 056 11 E 10 Z 90ed 98ZI90I JV T 'N3SNMH •uoi ;uuzuua; ao uopuiiaauua gans jo auzg aq ;u pauauaun at mil suuniuzaid aauuansul agliSpoyti Auu Jo punjai u aniaaaa o; ao /puB ',filuaupuuro ;nu pa ;uunuia; aauuinsul aSa;.uow aq; anuq o; 'aauuinsul aaua ;aojj aq; jo uo► ;uiiaauua uiu ;qo puu ;sanbaa o; 'sainsopsip utu;.uaa anpaai o; ;gap aq; apnput Sinn s ;ij i asagj •MUi aaq ;o SUB JO 866T 30 ;ay uoipa ;oad saaUMOauuog aq; aapun aauuansul aug;1OJAJ aq; o; ;aadsaa q ;i t Lots 31 suq aaMOaaog s ;qua aq; pa33u ;ou IIIM s ;uauzaaaau 'pus Suv •punlaa Sue o; aaMOaaog aimua ;ou !pm fad; puu 'aauuansul a2tiSpoJJ aoj am() !pm aa4Oaaog mown aq; asuaaau! mu ii?n+ s;uauuaaaau !pus •uuo'I aq; to suzaa; aaq ;o Sue ao 'aauuansul a2unaoJAi aoj Aid o; paaaflu suq aaMOaaog ;u s ;unouzu aql pa33u mu mitt s;uauuaaaau !pus ,fuv (g) (v) 5 0 (v000) a L 1 :iagpind „•aouu.insutaz anilduo„ pauual ualjo st luauzaSuuazu a'I1 `Ja1nsut alp Ol mud suiniuia.id a p jo aiugs u aoj a2uu110x9 ui xstz s,aainsui a 'I1 jo a.i qs u swim iapua'i 3o aluiii33u uu lugl sapinotd luauzaaau 'Ions 3I •sassoi 2upnpai zo `Nsu 49t1 1FQ 00/17 09LE WiO j C }o C 9Bed aamouog- (r s) iamouog- (i iamoiuog- (I 49 6 9E1901 JV 'N3SNVH .I M (isaS) aamouog- (TsaS) iamou (Isas) •luauinilsui iliznoas alp sluauzaiddns pus spuauis li lsul saaas pus iapnj aousznsui a5v lioyy sng sldaoos JaM0110a `moiaq 2utu5Is gig (v000) a« ®p