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872463
01014463 Return To: CHASE MANHATTAN MORTGAGE CORPORATION 1500 N 19TH ST. MONROE, LA 71201 872463 ATTENTION: POST CLOSING Prepared By: DEFINITIONS [Space Above This Line For Recording Data] MORTGAGE RECEIVE() LINCOLN! COUNTY CLERK 01 APR -3 AN 10M 51 JEANNE WAGNER KEMMERER, Vi YOMING B OOK 4 62pR PAGE 49704607 1497046073 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 together with all Riders to this document. (B) "Borrower" is LISA ANNE SUTTON, UNMARRIED Borrower is the mortgagor under this Security Instrument. (C) "Lender" is CHASE MANHATTAN MORTGAGE CORPORATION Lender is a CORPORATION organized and existing under the laws of THE STATE OF New Jersey WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT Form 3051 3/99 ©m 6(WY) (9904) Page 1 of 15 In VMP MORTGAGE FORMS (8 '521 -7291 March 28, 2001 11 1 1 1 1 1 1 11 L do 43 ~4A0 F20 66/E 150E WAOj [Ajloads] (s)Jag10 Jap! I Arlumd b I Japlg a"°H plums 5 L 10 Z abed •ddS32I 1apun „Ueol age31roww pomp.' Arulapa3„ g se Ajuunb iou saop ugoi alp 3i uana „ueol aag21lo11w pomp.' Airelapaj„ g of maw ui pasodun aig legl suotloulsai pug sivauraJlnbai irg of „ddSgg„ lualungsuI *moos sup ul pasn sy •Jailgm loafgns auzgs alp suzano5 Imp uougraaJ Jo uougisl5al Jossaoons 10 rguoptppe Aug ro `amp 01 amp m013 papuaum ag 1q2tui qi su `(00S£ ugd '2j'd'D tZ) x `uopuin2aJ &ulluaivaiduzr su pug is 109Z uoIMS 'c'S'fl ZI) IOH salnpaoord lu01110M0S 01e1Sg TON 0111 Sugauz „vasam. 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TOITM `luaumJlsul Jaded Juluns zo `Burp `)ioago Aq paleul8!10 uotloesueJ1 g uggi 1ag10 `spun] jo Ja;sugUi Aug mum „aajsupa,L spun3 0luoal0aij„ (t) uopuZIUea10 JuiluIis JO UO11g1OOSSg sJaUMOaU1og `u0UeTOOSSR umiuIUlopuoo g Aq Airadold 0141 10 1aMOJJOg uo pasodul 0J1 legl Sa'1ggo 101410 pug sluauzssassu `saaj `soup lg sugauz „sluau[ssass\ pup saa3 'sang uopupoSSy AliunUn uoD„ (j) •suoiuido p iolpnf aiquigaddu -uou `Igu13 aiquoiiddg i[e se IIaM sg (mgr Jo 10aJ ;a alp anti IRIp) szaplo pug saint anilg1ISiuiuzpg pug saoueutpzo `suollgin2a1 `Salnlgis Fool pug aims Imago aigeouddg 8uiiioiluoo ire sueauz „Mpl aiqualiddv„ (13) Japnj luain gd Aplaamlg Japt21 luauzdoianaU 11uf1 pauugid Japr umtuluzopuoD (17066) (AM)9- CZ) JaP1g VA Japlg uoollgg Japtg ale2I alqulsnfpy [arggogdde SR xoq patio] 1aM0110g Aq palnoaxa aq 01 are slapll 5utmolloj aui •1aMO11og Act palnoaxa OJg 1e111 luauUOJISUI 41111o0S sap 01 slaptl ire maul „saapig„ (0) •lsaJalul snid `luauznrlsuj XlunoaS sup lapun anp sums IIe pue `aloN alp lapun anp sa8aggo algr pue salego luauWAgdald Aug `isalalul snid `aloN alp Aq paouaptna igap alp sum! „utol„ (A) „•Auadord alp ut S1q I)J 30 1ajsuel j„ urpeaq alp Japun moraq paquosap Si lggl Ailadoid alp sugaul Alaadoad„ (a) T 0 Z T IT dFl uggl raigl loll IIn3 u1 Napo alp d Ol pug snlaul Rd olpouad JeraaJ u1 lgap sup Agd 01 pasluzold sr!" 1aMO11og Imam! surd 0 0 0 S T Z 6 S'Il) SJZIIOQ OOT /00 put? Aq pa. zpunH au0 'pupsnotry OMI- 1� ;auTN Japua -j saMO 1OMO11O13 18141 SOIRIS aloN aq L T 0 0 Z 8 Z tja.IINNN Palen pug 1aMOJ1og Aq pau8ls alou AJossturoid alp strum! „glom, (a) •luaumJlsuj AlunoaS slgi Japun aaS'a110tU alp st Japua-I LZ308 OD 'aanuaG 'OOZE agTnS 'anuaAy aTPA gsaM OSSL sl SsaJppu s,JapuaJ (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; (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 5 RIVERVIEW TOWNHOMES ADDITION TO THE TOWN OF ALPINE, LINCOLN COUNTY, WYOMING, ACCORDING TO THAT PLAT FILED OCTOBER 4, 1995 IN THE OFFICE OF THE COUNTY CLERK AS PLAT NO. 264 -G, INSTRUMENT NO. 809294 Parcel ID Number: "Property Address 6(WY) (99o4) 37183040010900 210 SNAKE RIVER DRIVE ALPINE Page 3 of 15 which currently has the address of [Street] [City] Wyoming 83128 [zip Code] 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 Form 3051 3/99 023 66/E 650E waoj slunoulm agl `aigp,ipd aiagm puu uagm `,iilpaiip ,ipd Timis .1OM IIOH `Jantpm qons 30 loan° alp ui •$utlt.Im ut aq ,tiuo Amu Jantem 'Ions ,ttrd 'amp Aug 1m small moiosg Hp Jo ,Cue Joj spun} Japua' o1 ,(pd o1 uotlp5Hgo s antmm ,Cmut1apua7 sum' mozosg Hp 10 ,iuu JOJ spund agl ,iud of uotlultgo s,.tamortog santtm 1apua-i ssaiun stook moz0sg .ro3 spun} ag1 iapua'i ,Smd Begs z0m0.uo11 •uotloas sup .iapun mud aq 01 slunotup jo Saouou Hu iapua- 01 gstu.in3 ,C11dmo1d hugs aamOIog •tualI mo.tosg up aq !Tugs sluatussassu pup saaj `soup 'Ions puu `zamot.Iog ,Cq pamoiosa aq `,Cup jr `sfuatussassd pup. saad `soma uotlupossd ,iltumuutoD imp a.nnbaa ,!tut aapuai `u10-1 aq1 Jo uual alp 5upnp amp ,Cup 1e 10 UO leut2t10 l T stualI monsg„ palleo ate sumlt as°g,i, p uouoas jo suotstnoid aql gltm aauupi000u ut sumtutatd aoupinsui aMl.IoIN jo luatu,Cmd alp jo nag ut iapua7 01 .IamonoH ,Cq algpiced sums Attm io `,ium 31 `smntutatd aoup.msui a2auoj' (p) pup `S uotloas aapun .Iapua' j Cq pa.Itnba.I aoup.msut up pup Cum ioj sumuuaid (o) !Aug 3! `,Cl.tadoJd ag1 uo swat punoa2 10 sivatu,Cud piogaseai (q) `.,Cuadom ag1 uo aoue.igmnoua JO uatl E se 1U UITU1SUI /C1tmoas st'Il .1an0 ,iluoud utmllu Uuo gotgm swot 101110 pup sluatussassp put saxel (e) :zoj anp slunoutt jo luatu,Cpd .ioj aptno.id of „spun}„ aql) urns E `IIn3 ut pied st a1°N agl Jun `aloN o p .Iapun anp aiu sluatu,Cud Otpouad ,Cup alp uo lapua'-I of Awl Bugs zamo.uog •suia ;i etoaosa .Ioj spun} •sluaut,Ced otpouad ag1 jo `lunoui am ammo .to 'amp anp ag1 auodlsod 10 pualxa lou ins aioN alp .tapun anp ledtouud o1 spaaooad snoauelposiJ, .IO `spa000id aouu.insut 'maul/Cud Jo uotluotidd1 ,Cud •010N alp ut paquosap sm uagl puu saaamgo luaul,Cmdald Attu of lug patiddp aq Hugs sluam,Cedald £Itlunion •anp s0 140 alai ,Cttp 01 patiddm aq AEW ssaoxa gons `sluaul,Cud otpouad 010u1 I0 OUO Jo luautdmd Tina am 01 patiddp st luatu,(pd 0141 J01j slstxa ssaoxa ,CUE Imp lualxa ag1 os •IInj ut mud aq ueo luaut,Ced LIMO '1mg1 lualxa alp 01 pup `J! sluatuAed oipotaad ag1 ;o luaut,Cedai am 01 IOMOIIOg umai panta0az 1U0uu,(md ,CUE kiddy ,(utu Japuari `;iutpumfslno st luatu,Cud °tpotaad auo uugl a.IOUI di •02.reg° alul am pup luatu,Cmd luanbutiap aq1 of patiddp aq ,iptu luatu,Cmd a 'I1 `anp aapgo area ,Cum ,Cud of lun0tuu luatot33ns sapniout'I 'Im luatu,iud Otpopad luanbutiap E .10j .IOMOJIOH UIOJj luatu,(md u SOAI000.I zapua'i 3I •a10N ag1 jo aoupjmq Imdpuud am aonpai 01 ua 'I1 pup `luautnalsui ,iltmoas sup upon anp slunotue 3°410 ,Tut 01 puooas `saang° am 01 mg potidde aq hugs slunotum utuietua3 ,iuy •anp atumoaq 1t 'I0tgm ut Jap.IO ag1 ut luatu,Cmd otpouad lima 01 patidde aq llpgs sluatu,(ed gons uotloas 3apun anp slunotum (E) `a1oN am 3apun anp Tudtouud (z) `a10N alp lapun anp Isamu!! (j) :,Cluoud jo 3apio 2utmolloJ ag1 ut patidde aq Hu 'Is Japua -i ,Cq patiddt: pup paldaoot sluatuAud IIp `z uotl °as sup ut paquosap astmJaglo SP ldaoxg •spaa0oad .10 s;uatuSed 3o uol;e0tiddV •z •luatun.tlsul ,ilun0as sup ,Sq pa.moas sluatuaaau pup slupuano0 ag1 2utuuo33ad .zo luauIUIISUi ,C1unOas sup pup °ION ag1 3apun anp swam/Cud 2upTutu utogg 3am033OH °Alta} Hugs 3apual 1SU1m;im alnitt 0q1 111 10 moo 0nug 10ttu Iamonog g0tgm uquio 10 1asijo oN •ainsopaaoj 01 3oud ,i1aletpaumut a1°N ag1 3apun aoumjpq iudtouud 5utpuplslno am 02 patiddm aq HIM spunj gons '3a1T3ua patiddt 1011 3i •3amo33og o1 tuagl u1mla3 .to spun} tons ,tiddp 3aglta hugs 3apua•i `atoll jo pouad ajgpuospa3 1 ut 'I1tm os op loo saop 3amo33og JI •lualm0 npo-i ag1 $uuq o1 (s)luatu,Cud 803TEUI 30MO330g !nun spunj patiddpun gons pIoq /WI Japual •spunj patiddpun uo 1sa101ui ,Cud lou pax! 3apua- uagl 'amp anp pampa 'I0s slt 3o sm pagddm s! luatu,Cmd Otp0uad g0m0 3I •Palda0Op 0.1E s11101UXed 'Ions atoll ag1 1p sluatu,imd !Tons ,Clddu of palatigo loo st Japuarl lnq `am1nj am u! swam/Cud ittutd 30 (s)luaul,Ced Ions asnJa3 02 s1g$t1 9t 01 aotpnfaid 3O lapuna1ag s1441 ,Cup Jo 3antem lnogltm `41101ma uuo-i ag1 $uuq o1 luatotijnsut (s)luatu,Cpd mind 10 (s)luaul,fud ,Cum 1da0oe ,Cmtu zapuari •1ua33no uuo7 ag1 2uuq of 1uat3ti.Jnsut a3u sluatu,imd Tutuud 10 (s)luatu,ied ag1 j! (s)luatukud TRW 3o (s)luatu,Cud ,(up tunla3 Amu 1apuaj •SI uotloas ut suotstnold a0ilou ag1 gltm aouppi000u ut 3apua' ,iq palmatsap aq ,(ptu sr uoptool 3ag10 gons 1m 3O 010N alp u! paluatsap uotlp0oi alp 1m p0nta033 uagm Iapua'i iq pania0a3 patuaap amt smaut,Cmd •3aJsut3Z spun} otuo /loaTg (p) 10 ,(lilua 10 ',C1Iie1u0Uutu1sUI `Aotta5p im3apaj e ,tq palnsut aim susodap aso 'Im 11011nl1lsut up uodn um1Up st raw gons ,Cup paptnold 'vow s,3aulsu0 JO 3!0040 s,3a1nspaI1 'raw 3iupq 'raw patjtuao (o) `3ap30 ,iauout (q) `gseo (p) :3apua' ,Cq paloalas su `suuoj 2utmojloJ 0141 3o 01011I 10 OLIO u[ appal aq luatutulsul ,C1 stgl pup °IOTA ag1 3apun anp swam/Cud luanbasgns IIm 30 ,(up lap altnba3 ,Smut Japua' `pttdun 3apual 01 pau1n1a3 5! luatutulsul 1(lunOas L9tY 51. to 4 °Bed (4066) (AM)9- 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. (1) sufficient to permit Lender to apply the Funds at the time specified under RESPA and (2) 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 twelve 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 twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 6(WY) (9904) Page 5 of 15 Form 3051 3/99 025 66/E 1,90E WJoj 9 L }O 9 abed (v0661 (AM}9 mph `anp uagl lou so iaglagm luaurausui A]ilnoas sup (q pains sums ati of paijdde aq pegs spoo old aouernsui `pauassai aq mom Aiianoas s,lapua7 10 olgisual AIi110ituouooa lou si liudaa 10 uopeao1s°1 alp n •lamo11og jo uonm ilgo aios all aq Hugs pue spaaaozd a0uelnsui 0141 jo ino pied aq lou Hugs 1amo11og ,Cq pauielal 'sound piigl .zaglo .io `slalsn fpe o11Qnd aoj saa3 •spaaoo.rd lions uo s5uiure0 10 Isamu! Cue iamoiiog pied of pannbai aq lou Begs lapua7 `spaaoold o uelnsui irons uo pied aq of lsa.ralui salmbal M11 i aigeoiiddd _to 2upilm ui apeui si luauraade ue ssalun °palaiduioo si Nlom am se sluauriCed ssai oidjo sodas 11 ui .ro luauihd 015u4s a ui 110fe101S0.1 pue sliudal 04i .roj spaaoo.rd asingsip ,ieur lapua-i •iCiidurord uaalelaapun aq Begs uopoadsui gons legs papinold `uououjspes s,.rapua -I of palaiduroa uaaq set' vom °gl a.insua of /Chador,' qons loodsui of Xliuniloddo ue pet' set' lapual "pun spaaooid aoue.rnsui lions Nog 01 1gWi1 0141 aA13q hugs lapua1 `poilad U01 10lsal pue i i dal tons 5uUUn( •pauassai lou si iCluno°s s pue atgiseaj AIieoiuiouooa st 1iedai 10 uopeaolsor 0141 ji 'filmdom agi jo 1n d°1 .10 uoperolsai of pailddu aq Hugs 'lapua-i ,Cq pannbal SEM 00utansui Su1iillapun 0141 lou so 1ag1°t'm `spaaoold aauernsur Sue �uilizm ui aaae asimraglo aamoJ.Jog pu11 aapuaJ ssaiun •10mo11og iiq Apduiord apeul lou 3i ssoi jo 3ooid aaluur iiuu1 lapua-i •lapuari pee aaiaaeo aouelnsei 011i o1 aoilou ldurold ant$ Begs 1amo11og `ssol Jo Juana 0141 uI •aa,Ci d ssoi ieuoilippe 1111 se ao /pee aa se lapuol aureu pugs pue asneio &dhour paepuels e apntoui Begs ./Coiiod 'Ions `iilladold atp `Jo uoponalsap 10 `01 oVeurep 1oj `aapua-i iCq palinbal °srmlaglo lou `05ea0n00 aouelnsui 3o urIoj ,Cue suielgo lamoalog 1i •saopou lemma' pee suzniuraad pied jo sidiaoaa Iiu lapua-i o1 ani5 Xjldulold Begs 1amo11og 'salinbal lapua-i 3i •sa111oi3T100 Iemauaa put saioiiod 0141 plot' of Nap aql aim" ilegs iopua-i •00Sed ssoi Ieuoilippe ue se 1o/put aa$R 110111 s11 lapuari own Bugs put 'ammo a11$11our plupuuls t apni ii `sa1Oilod qons °nolddesip of lg2i1 s,lapua-i of loafgns aq Hut's saioilod qons jo siumaual pue lapuol Act pannbal s°roilod aoetlnsui iid •ivatuiied 5uilsanbal 10M0110g of lapual map aoilou uodn `1salalui qons glim `a1QuAd aq Begs put ivaumasingsip jo alep 0141 mot; ales a1o1S1 otp 411 isalalui reaq 11egs slunoure asata •luau1n11sui iiulnoas sup icq palnoas /wino/log jo Nap Iuuopippe auiooaq "legs S uoiloas sup lapun aapua -i Cq pasingsip slunoure Au)" •pauielgo aneg pinoo 13mo11og legs aouelnsui jo isoo 0144 paaoxa XIluuourugis ig2n u pauielgo os a511aano0 aouulnsui all jo ism 0141 11181 s°gpalmouaio11 1amofog •1oaJ ;a ui iiisnoinald sum utgl agelanoo lassai 10 10111015 apinold 111$iur pue Aliiigeii 10 pltztg `31si1 Are 1sui11211 ',Chador,' oql jo slualuoo 0141 10 `/Ciladold 0141 ui iiunba s,aamollog `1amo11og loalold lou 11151W 10 1ggiur lnq `lapual lanoo pegs aelanoo Bans `alojalagi •a8111anoo jo lunourt 10 °d,il 1einopred /Cue asugolnd o1 uoile5iigo ou lapun si z°puaq •asuadxa s,10mo11og pue uopdo s 111 `05e10A00 aouelnsui urelgo iCeur lapua-i `anoqu paquosap saulanoo agi Jo Cue uieluiuur of s11eJ 10m011og d i •10m0110g Cq uopoafgo uu 111013 5uilinsal uoptuiuualap auoz poor &fee 3o maw.' am gum uopoauuoo ut ,Couad 1uaulaee11N ,Couaglauig Iuaapad am /Cq pasoduri saa3 iCue jo luaulhd 0141 ao3 aig1suodsal aq osiu !INS 1amo11og •u01RMpi1100 10 u0tltuiurlalap gaps 10°3311 114511r Xiquuosuar goigm _moo sauugo 1tliuris s0 s51.1iddeuial 0u41 110110 sa rego luanbasgns pue saoinlas uopeoiji11ao pee uop11uiu11a3ap auoz poou lo3 a2lego aulp -auo a (z) 10 saornaas ural0e11 pue uopeoi3Tlao `uop11uiuuorop auoz poop 1o3 aireg0 aurp -auo 11 (1) :ramp `uuo7 sill gum uopoauuoo ur `,Cud o1 1amo11og aiinbal �Ceui lapua-i •Xiquuoseaaun pasiolaxa aq 1ou II11gs 114$41 goigm `aoiot'o s,10m0110g anoaddesip o1 11gi s,lapuai of loafgns 1amo11og iiq uasogo aq 11egs aourelnsui 0141 $u!Pinold 1411110 azu111nsui ags •ueo' 0141 3o 114101 all 5uilnp aEu11go ut0 saoualuas S'uipaoard am of lutnslnd solinbaa 1opual 11114M •sonnbal ropua'i lugs spouad °141 103 pue (slanai algponpap guipnioui) slunourt agi ui pauiuluiuur aq jugs aouulnsui sigj •a0u11ansur salmbal lapua-i 140i14m 1o3 `spoon put saaltnbgllta '01 p°1m111 lou lnq `2uipnpui sprung laglo /Cue pee „'0Bulanoo papualxa„ u11a1 0141 uigltm papnloui sprung 'alp Act ssoi isuia11 palnsui iilladold aql uo po10010 1013110104 10 Bupstxa mou slu°uianolduri 0141 doom t1egs 1amo11og •a0ueansui ,fyradoad •S •ueo-1 sup llim uoil0auuo0 ui iopual ,Cq pasn a0inlas $uplodal 1oipu11 uoileoijilan x111 ai11lsa Teal u 103 0511140 011441 -a110 11 1C11d or 1amo11og alinbar Sew lapua-i •b uopo °s sup ui anog11 141103 Jas suoil0t 0141 Jo °lour 10 0110 031E1 JO uari aql iC3sil11s Begs 10M011og `110A15 Si aoilou legs goigm uo alep alp jo siC11p Oi ui4ITM •uaii -6(WY) (9904) 087x46:3 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 (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (2) 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 sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (1) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (2) 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 (3) 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, (1) paying any sums secured by a lien which has priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable Page 7 of 15 Ini Form 3051 3/99 02? Rzo 66/E 1.50E uuod 1. 1 @Clod 140661 (AM)9- `luaum.usui 4.moas sRg1 ,tq pa.Inoas sums aq1 of pagidde aq B1114s spaa3O1d snoauuBaosij aI1 `pauassai aq mom Arrinoas s,zapual 10 aigiseaJ ,CBeOTUmuooa 1011 sI zlgda.1.io uonluaolsaz am ji •spaaooad snoau1Baostj, lions uo s&luiea JO isa.Ialui ,Cur aamonog ,Cgd o1 pa.nnbar aq 1ou hogs .rapuaq `spaaoord snoaueiiaosm Icons uo mud aq 01 1saraluT saatnbaj meri aiquotiddy JO 2unu, uT apeuz sT luauraar5r up ssaiun •palaiduroo s► Apom am se sluaur, Ed ssarWoid jo saunas g ut JO luamasingslp @Huts g ur uone.zolsa.I pue shudaa alit .zoj ,ied ,Cgux .zapuol •,iildurord uavhapun aq Hut's uouoadsut Icons 1eg1 paPlnoid `uo1lpejstugs s,iapua-1 01 poraidmoo wog set' )pom 0141 a.msua or /Chador,' gons loadsut o1 ,Cliunlioddo ue pm! sou Japuari I11un spaaoozd snoaueiiaosq,J gons pioq of Ig5Tz 0141 aneq Iletis aapual `pou.Iad uoulg.iolsai pup .nedai Icons 2uu.rnu •pauassai Jou si ,C1U.rnOas s,zapua7 pue aiglsuaj ,Ciipoiurouooa Si .nrdar JO uo111U0lsaz am Jr `,C1.zado.Id a141 30 .nuda1 s0 U0Tl111olsaa or pa!Tddr aq hugs spaa0o.rd snoauglloosm gons `pauurrp sr X1.Iadord 0141 3I •1apua-1 or pled aq imp pug o1 paaTssg Xgaaaq a.rp spaaoozd snoaurpoS1 'iv •aan ;►aJao3 :spaaa0ad snoaueiiaasryti 30 ;UaUluaiss\ 1 i •010N aql 111 papinozd arm am 111 Isamu! ,cod 01 uo11uh11go s,1amo.IZOH s OT 1 101 11 0 as slgl ut 5utg1oN •meZ aiquogiddy ,cq paambaa st u0UEuiUraa1 Hum .10 uo1leulunal gons .roj UIpinord zapua'l pug 1amorrog uaamlaq luatuaaAe uallttm ,cue mph aouep1000e uT spua aoueinsui a5e5110JAI 10j 1Uaura.1mbaJ s,1apua-1 am 'Pun `0n.zasa1 ssoi aig11punjaz -uou r apinord o1 10 `ioolja 111 aOugmsui aMiroJA uIgluUpur of pa.nnbar sumrtuaid aqi ,Cod Hulls aamorrog `aOuurnsul a2alzoyAT 10j sunnTUmzd am p.rumor sluaurhd paleaTsap ,ilalgirdas avur o1 pa.nnbar sum 1amozzog pup ugo7 0141 2upigur 3o uoll!puoo 11 se oouernsui a2r2liow pannbor zapua-131 •aouu1nsui a5r5hoj, .roj surntura.id alp piumol swam/Cud palgugisap Alarm saunbai lapua-1 pue `pautpngo sr 'aiquitgnu sautooaq urOr .rapua -I Cq paloojos rarnsun ue ,iq papino1d (saunbai Japual 1pg1 poiaad aq1 I0j pup lunourg 0141 u1) arnA00 gotru nsui a$e211oJ' jr sluaur,iud anrasaa ssol a.nnba.r .1a2uol ou U O .rapua' •anaasor ssol gons uo durum 10 Isazalu! ,Cue zamo.IZOg ,Cod or pazmbaa aq 1011 Brgs rapua7 pue IIn3 ut pied ,ilalrunljn Si Ueol 0141 18141 10ej 0141 5ulpuulsg31m3ou `aiqupunJaa -uou aq Brgs OAIOSa.r SSOI gons •a0ueansui 1.I01A1 3o nor' 111 °masa' ssoi aigepunjai -uou r s11 sluawhd asagl utem' puu asn `rd000r IITm ropual •3oojja ut aq or pas11a0 ag1ano0 aourinsui aul uagm anp Oram Tem. s1UamA d pa111u21sap ,Cialesedas 0111 jo lunouru am .Iapuf or ,i11d or anu!luoo hugs ramonOg `aiggirunr 1011 sr arrosoo 0ODUZnsu1 ag$3Joinj luaiunmba ,CIIgiluelsgns j1 •iapua -I ,cq pal0aias Jornsui 021 11011 al11uzalir Ue ur01g 'raga uT ,C1sn0Tna.rd a0Ur.msul a2r21J0yg am Jo romarrog or lso0 0141 of 1ual11nmb° 'Iiprlurisgns lso0 r 1p `IOOJJO uT XIsnolnard aOurrnsul 5110F4 a141 or lua1enrnba XII1111u111sgns au /ono0 u!plgo or pa.nnbar sumruraid oip Awl Hugs Jamo1101 `aougznsui a &duoIA 10j sum u ord 0141 premor sluaur,Cgd pa111aTsap ,CIa1111pdas wi11Ur or pannbaa SEM Samozzog pug aouilnsur gons papinoId ,CTsnoinaid Imp Jornsui aWlzom a141 Worj aigrllunr aq or sasrao aapua-1 Cq paainbai 9 EJ0noo a0ueznsui aalzoy\ 0141 `uoseai ,Cue aoJ `31 •loajJa 111 aouernsul o2r2h0IA 0141 Urg3u111IU or pazinbar surnruraad 0141 ,Cod hugs ramOI.IOg `ueol 0141 2uppur 3o uoT1IpuoO g se aOU1.Insui a arroy%I pannbai iapuo l j •aOUeansUj a2g2i.IOyAi •(rI •urUT1m uT 10 1aur am 01 saar2r zapua' ssaiun a2iom 1011 II1114s aI1T1 aaj 0141 pug piogasroj 0141 `,C1.Iadozd am or aim 00j saiinbou romonOg j1 algal a141 JO suoIsInoId 0141 i111 14um ,Clduroo i1e14s ramoz.IOg `piogaseal g uo sT luaumllsui ,C1T.In0as sup 3I luaut,c11d 5ullsanbaz zaMOIJOH 01 101)1101 u1olj 0011011 uodn Isamu! gons 141Tm `aige,Ced aq urgs pup luaurasingslp jo amp am wag 01111 a3oN 0141 111 1sOIalur .Iraq Bugs slunoU1u @sags luaurn.1lsuj /Chinas sup ,Cg pamoas IamOIIOg jo lgap IeuOTiIppe aurooaq Begs 6 uoIIOas s1141 .Japun 1apua7 ,iq pasingslp slunoure ,cud •6 uoTIOas 51141 .spun paz110141n11 su0r1011 B11 10 ,cur 5111x111 sou .Ioj i ou sinus ropuaJ 111141 p00J 11 sr 11 •os op or uopallgo Jo ,Clnp ,cur zapun 30U sr pu11 OS op 01 0A1114 1011 saop aapual `6 uoiloas sup rapt' 11011011 0x111 Sew zapua'l g5no141Td •jj0 10 110 pauan3 satlgtln aneq pue `suoiltpUoo snoto5uup JO suoIleioIn apo0 .101410 Jo utpjtng alpuranla `sadid uuoau 1a111m ulmmp `smopu[m pur sloop do piroq 10 aouidar `sxool a &U11140 'sal11d01 axum or ,i1.Iadozd a141 5uuo1ua `o1 paltu111 sou s1 lnq `sapniou! /Chador am 2uunoas •2utp0000id ,ioldn.Ixurq e 111 uotllsod pazn0as s11 5ulpniour `luatunrisui ,cllm0as sup spun s1gOT.r .10 /pU11 /Chador am uT 1S0103u! sr! 1003ord or SaaJ ,s,iauiO11e 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. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this (CD-6(WY) (9904) Page 9 of 15 !nit 087Z4G3 029 Form 3051 3/99 661E L90E Wao4 alggotlddy LWAN Slotlluoo a1oN aql JO luaultulsui /Clunoas sup jo asnelo 10 uotstnoid ,Cue imp 1Uana aq1 ui •laeiluoa watuaaau 1su!Sg uoplgtgoid a se panllsuoo aq iou Ilggs aoualts gong mg 'maps aq 1qO'au 1t ao mamma iiq aai$e 01 sapled atp Mope Aptotlduii 10 Xptaijdxa 11121u1 Mg- ajggatjddy •Mg- alggotlddy jo suongltuutj pug sluatuaitnbat Cu ,e o1 laafgns aIe luauunalsul Alunaas sail ut pauteluoa suoi1 qqo pug s114 !1 IIg 'palm! st X11ado1d aq1 gotgm ui uopolpsunf atjl jo mu' alp pug muj jgiapa3 iCq pauiano2, aq pegs luauunllsul ,Clunoas stgy •uou ;analsuoa jo saang :Amiigeaanas twj 3u!uaanoJ •gt luatunllsul Altmaas sup iapun 1uaulaitnbal 3utpuodsauoo alp Xjstlgs rpm 1uatuaunbai Mg- aigeopddy alp `Merl alggotlddy Iapun paltnba1 osle s! luatunllsul Iltinaas sup Aq palmbal aopou Aug jj •lapua -1 ,iq pantaoai 'fllenlag 'pun Iapua-1 01 uant' uaaq aAeg 01 patuaap aq 1011 pugs 111atunilsul Allmon sup gltm uopaatuoo ut aotlou ,iuy •1aM0I10g 01 oo!l0U Aq ssalppe lagloug palgufftsap Sgg Iapua- ssalun utaiaq pawls ssaippe s,iapua- 01 Itgtu ssgla lsig ,Cq 1t 2utltgtu Xq io 31 ffuuantlap ,Cq uam2 aq pegs Iapua- of aotlou ICuy •aut11 auo Aug 111 IUOU1n11sUi /Clunoas sup iapun ssalppe aotlou paleuatsap auo Aluo aq Amu amid, •ainpaooid pagloads 1eg1 g2noigl ssaippe jo amp g uodai Aluo pegs 1amollog uagl `ssaippg jo attego s,1aMO11og $utliodai iO3 ainpaoold g sat lapua- 3i •ssalppe 3o amp s,1am011og 3O Iapua- ijpou iipdtuoid pugs 10Mollog •Iapua- 01 aatlou Aq ssalppe aatlou alnlpsgns g pamatsap seq IaM011og ssalun ssaippy /iliadoid aw aq pugs ssaippg aotlou agy •as!Mlaglo sagnbat Alssaidxa nte- alggotlddy ssalun siamonou IIg 01 aotlou alnitlsuoo pugs IaMOI1og auo Niue 01 aapol,I •streatu Iag10 Aq luas 3i ssalppe aatlou S,1amatiog 01 paiantlap /llenlag uagM 10 !rein SSRIO 181!3 paltetu uagM Iam0110g 01 uan1S' uaaq angg 01 pattaap aq pegs luatututsul ,Cltinoas sup gluts uoilaauuoo Ut 10m01iog 01 0011011 ag 1Snui lUatunIISUl Xltinaas sup g1tM uopaauuoa ui lapua- 10 iaMOiiog ,Cq uan!2 saa!IOU IIg •saai ;0N •SI aigtlazon0 gaps 30 1n0 UiSUR OAeg 11. !tu IaMOIIOg uOIIOR jo 1ggtl Aug 3 IOATEM g aln111Suoa IpIM IOMOIIOH 01 1110IIIXed 1O011p iCq apetu punjai gans i(ue jo aougldaoae S,Iamollog (aloN 0J1 iapun Io3 paptnOld st a2iego luauthdald mu 10 iaglagm) aim luatuhdald Ate lnogltM luatuhdald jgpJud g se Inman aq HIM uojlanpai alp `i dtouud saonpat pump.' g jj •IaMOIIOg 01 luauthd maim g 2ut)IguI Io 010N 0111 iapun panto iudiauud alp 5utanpal Aq punjai sup alum 01 asoogo Arm Iapua- •1amOIIO1j 01 papunjai aq ipm slang palljtulad papaaoxa gotgM Iamollog wag palaalloa Apgailg stuns Aug (q) pug !pulp pallnulad aq1 01 aim atp =pal 01 £IRSSaoau 11nOtug alp -Cq pampa' aq pugs amp ugol Bons ,lug (g) :uag1 'squill pa;lttuiad aq; paaoxa ugo- aq1 g31M uO1laauuoa 111 palaalloa aq 01 10 palaalloa saalggo treoj iaglo 10 180101111 alp 1eg1 OS palaidialut i(lleul3 st MRI leg! pug `safflggo ugol tuntutxuw Sias gatgM Mel g 01 laafgns sI URO- ag1 dI •Mg- alggotlddy Ai 10 1Uatun13SUl ,i11i1100S sup ,Sq paltgtg01d iilssaidxa ale leg! Saa3 amp lot hW Iapua- •aa3 guns 3O 5UtgIggo aq1 uO uoptglgoid g se patulsuoa aq 1ou pegs IOMOIIOg 01 aa3 913t90ds R aim o1 luatunilsul IClunaas sup ut ,iltloglne ssaldxa 3o aouasge aq1 'sag iotpo Iiug o1 p1gga1 ui •saaj uopenlgn pug uopoadsut iilladoid `saa3 ,sIiatu011e `01 palttutl 10u lnq '2utpnjout `1uatlnllsui S1tlnoas sup iapun s3qpu pug J lladoid alp ut lsaialut s,iapua- upoaloid jo asodind 0111 103 `1jngjap s,1a'o11og won uotloauuoo ui palI1o31ad SOO :A.10S 103 S003 1amo11og amp hut Japua- •So nlg3 u11o7 •bJ •Iapua- jo suVrsse pue siossaoons alp 113auaq pue (pz uopoas ui paptnoid SR ldaoxa) putg pegs 1Uatftulsui Apinaas sup 3o slua ttaaag pug SIUEUOn0a 0118 '�u 1111M tit amp.' gans 01 5001 R Iapua- ssalun ;tatunalsUi /ltin0as sup Iapun /cltjtggp pure suotlatjgo S,10MO11og wog pomp.' aq 1ou pugs IOMOIIOH 1UatutUISUi iClunoas sup Japun slgauaq pug slg2ti S,i2m0110g 3o I1g utelgo pugs `Iapua- ,Cq panoldde 81 pug `2upt1M ui luaUtnllsul 'C1tlnoaS sup lapun suouatjgo s,10M0110g satunssg ogM IaMO1IOg 3O 1sa1031q ,ut lossaoons Cue `RI uopoas 3 suOtstnoid ag1 01 laafgns Tramp s,iaU3ts -oa aq1 1nOg1iM aloN aql 10 luatutulsul 'Cllinaas sup 3o 811I101 ag1 01 p1R o1 qI!M suot;gp0tutt0aoe Attu a)IRIU 10 luaglo3 'Appal 'puma 01 00.12R two IaMOIIOg 1atpo Aug pure Iapua- 1eg1 Saaiae (o) pure `luatutulsuj Allmon sup ig patinas stuns alp hd 01 palatlgo iClleuosiad 1011 st (q) :luatunllsui iiltinoas sup JO St11101 041 iapun I11ad01d alp ut 1saialu1 s,1atals -00 aql Aanu0a pug mug `02ugiJ01u 01 Auto luatUtulsui Animas SL )00L eBed (4066 (AM)9 m 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: (1) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (2) words in the singular shall mean and include the plural and vice versa, and (3) 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 federal 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: (i) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (ii) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (iii) 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 -6(WY) (9904) Page 11 of 15 08'22463 Form 3051 3/99 031 66/£ L50£ uno4 r gL Jo Zi. abed •dnueaT3 pluatUUOZtnug ue 103 lapua'j uo uopgMtjgo Aug ay= Begs Uta 5uutioN Mg'1 Ig3UaU.1U01 Aug 1111M aOUgp10001l ut sU0p3g PEtpautal Alessaoau jjg 8371 Xpdtuold Help .iaMO.iiog `XJESSaogu st Al10do1d gill 5upoa33g aomgisgns snop1EZgH Aug 3o uotygipatuai .iatpo io jgnoulal Aug legs `Aiigd algnud Aug io `Aluoging ,floigjnWai io pluatuuuana Aug',Cq' pat3tlou st so 'SUMO' 1amouog 31 •,tliadoid aq1 jo amen aqi sloa33e Ajas1 Apg goigM 03uglsgns snop1EZgH jo aseaiat JO asn 'aouasaid pasneo uotltpuoo Aug (E) pue `aoueisgns snoplgzgf Aug 3o amp.' 3 leaatil .10 amp.' `aaggostp luppaj `2utjjtds Aug `o1 palttutj 1ou inq ?utpniout `uoptpuo3 jg3Uatuuounug Aug (z) `.aRpatmot)1 jgnlmE sill 1am0110g gotgM 3o me'1 igluatuuol1nug 10 aouglsgns snoplgzgH Aug pug Auadold aqi SUtnj0nu1 Cued ayEAud 10 Aouag Siolgjaal 10 ieluatUUZOno2 t(U1 Aq uotloe 1ag30 .10 itnsMEj `pugtuap `ungjo `U0UE5psanut Aug (I) JO 00110U ua11UM lapua'1 ant2 Sjldtuold Begs .1aMO.log •(slonpoid lauinsuoo ut saoug2sgns snoplgzgq 'o1 paututi you inq iuipniout) IClladold aqi 3o aoueualutem 01 pue sasn jgtluaptsal jguuou of alEudoidde aq o1 paztu2oOa1 Ajjglaua g1e lg14l sgOUElsgnS snopmzgH jo sanpuenb TTgtus 3 /Cuadold 0141 uo agzols 10 `asn `aouasaid am 03 ,ijddg you Betts saOUaluas oMl Vutpaoazd agy •Alladold gip 3o ameA all s2Oa33E ICjas1anpE 38141 uo1itpuoo E SO1E010 `0OUg3sgns sn0plgzgH 3o a m p 10 `asn `aouasaid am 01 anp `goigM (E) S0 UOIItpUOJ jglua1UU011AUg U11 say= gOig■ (z) jg1Uatuuoltnug i(tre JO Uot1EIOIA u1 Si Imp (j) Xuadold alp 5upOa33g $u1g3Iug `op 0) asp auokre moue 10u `op you ins 1aMO11og •Aizadozd aqi ut so uo `saouglsgns sn0plgzgH Aug aseaiaz 03 ualga1 3 10 `saouelsgns SnoplgzEH Aug 3o aSEajaz 10 `02gz01s `jgsodstp `asn `aouasald ag1 ntulad 10 asneo IOU imp 10M0110g •dnuggjj LEluauluortnug tre 102$113 astmzaglo .10 '01 alnquluoo `asngo two Tell uoptpuoO E stream „uotltpuo3 jg1U WWU01tAUg„ UE (b) pug Mg'1 IE1Uatuuortnug Ut pautjap Sg `UOt1Ug I A01IIa1 10 `UOt1Og jetpatual `u0t3Og asuodsaz Aug sapnput „dnugajj TEluamuouAUg„ (E) `uopOalold IeluauzuoilAua 10 SCia3ES Veal' 01 gyp.' yip palm)! Si IC11gd0Jd gip a1agM uopotpstlnf am 3o sMgj pug smut Iglapa3 SUEatu „MEI jg3Ugu1U01 PUg„ (z) :sigtzalgtu antimony.' pug `apiCgapjguulo3 10 so3sagse VututgluOO sigualetu `sluanjos anyton `sapptglaq pure saptotisad 0IX01 `slonpold lunajol2ad 01x03 10 ajggtutug13 za.gio `auasoia31 `autjosgB :sa0ug3sgns Suim0jj03 al3 pUe Mg'1 IgluatuunuAug .Cq Sa3sEm 10 `sluglnjjod `saOUglsgns snopmzEq 10 opxon SE paugap saOUglsgns asogl ajg „saougisgns sn0pzezgH„ (I) :TZ uopoas sup Ut pasn sv •saaue;sgns snopaez1H •1Z OZ U0!OaS sup 3o suotslAold UOpog 0111001103 a'II3 03 ,(UunuoddO pure =poll ag1 £Jspgs o1 patuaap aq j4Egs gi uopOas 03 iuensznd 1am011011 01 UgAig UOt1E10103og JO 03p0U gip pug ZZ uoPooS 01 ltrenslnd 1aM011og 03 uaAp amp 01 iCltunlloddo pug uonglajaOOg 3o aotlou aqZ •gde.aund sup jo sasodlnd 103 ajgguos1a1 aq 01 pautaap aq jjtM pouad amp 18141 twig) aq ugo uot3Og u1E11ao aiojaq asdEja 1Sntu 1Otgm pouad au E saptnoid /Awl ajgiOtjddd 31 •uotlog ant3oa11o3 a)tul 01 aotlou 140115 JO 2ulAt2 am za13g pouad ajgguosgaz g olalaq ,cued 1agmo aqi pap1o33g pug gogalq paaue qons 3o (Sj u0p0as 3o S3Uatualmbaz am glum aougtjdtuoo ui uantg a0pou lions gItM) ,Cued 1aglo 0141 pannoU silt{ lapual 10 1amo11og wits num `1Ugtutu15u1 i(yun0as still `3O U0S OJ Act p0M0 ,Clnp Aug 10 `3O uotstnold Aug pagogalq sEq /Ci1Ed 1a1410 0141 18141 sa3atie 1e141 JUOUtIU1SUI i 3t1n00S still 01 ltrenslnd suotlog s,iC11ed 1a1410 0141 U10a3 sasug 18141 (ssgp g 3o lagwauu a141 s0 1ureltltj TEnp!AtpUt ug 1a14u0 sg) uotl0g jet0tpnf Aug 01 pautof aq 10 `ujof `OOUatuta00 Amu lapua-1 IOU JOMOIIOH 101pION lasegolnd aloN am paplAoid astMlaglo ssajun 1asEgoind a1oN 0141 Cq patunssE 2ou an pug (s)laoinlas Ugo'I 1055000115E 03 pa.L10Jsure11 aq 10 1OOjnlas ugo'j 0141 guM tugtual Iu to 10M0110g 01 suopE3tjgo 2U13'0.10S ugoT a2E21101U 0142 `aloN 0143 JO xasggolnd am ugly 1a1410 not/kin treol g paOltuas st uEo7 011 101Jgalagl pug pjos Si alON 014131 •5U10!A10S JO 1a3SUE13 JO 0013011 11 14IIM U01100uu00 ut salmbai int7 4F3O :sl gr7iu� (v066) (AM)9 (2) 087 4E�.3 NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c). any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. -6(WY) (9904) Page 13 of 15 Form 3051 3/99 033 E 0 66/E 690E WJOd JaM0l10g- (IgaS) (In 1aMO.uog- (IgaS) 1aM011og- (i' s) 5 L to b t abed laMOJJOg- IaMOJJOg- (in (in s) I0MO110g- (Ins) (ms) 14066) (AM)9-Clip 1amonog- JamoJJOg- NO,I L P NNV VS I `I SassauuM �I u�IM papiooaa pug aannoaiog ,iq palnoaxa (s)iopu Aug ui pug luauzni sui'lunoag sun ut paucgmoo stuguanoo pue suua1 alp o1 SOW pug s1daoog Jo onog `MO'Igg DNINOIS AEI STATE OF WYOMING, by LISA ANNE SUTTON, UNMARRIED My Commission Expires: 9/12/03 6(WY) (9904) Teton The foregoing instrument was acknowledged before me this March 2 8 2 0 01 Page 15 of 15 Notary Public 08744G3 033 County ss: Form 3051 3/99 11 11 1 11 1 1 1 ELO9fiOL6IiT L09t'0L6T7 1 1 11 16ZL SWlf03 30VJl!!0W dWA (2166) !!L le!1!ul E }o l a 6ed 66 09LE wa o 1N3Wf UISNI WNOdINfI 021N a!ppaaj /eeIN aluuej n�iwed ai6u!S li3 afld 31t/1SI11fIW •sluaumooa Iuanlpsuop agI of luensznd pasoduu sluauzssasse pue sanp `anp uagm `pied Xpduiozd hugs zamonog •uopepossy szaum0 agl jo suopelaaz zo sapu zaglo 10 smel -Aq /Cue (iii) pue `.uopepossy szaum0 agl saleazo go]gm ivautnoop lualenmba'iue .zo luaumzlsui lsnzl `uopezodzooui jo salo (ii) `uouriepaa (1) agl OM „sluaumooQ luanlpsuo0„ a1J •sivauznooa Iuanlpsuo0 s,Qnd aql zapun suo]le2ilgo s,zamonog jo lle uuopad !lugs Jamonog •suoile21Ig0 and *v :smolloj se aaz2e puu lueuanoo zagunj zapuaj pue zamonog `Iuaumzlsul XuznoaS agI u! apuuz sluauiaaae pue slueuanoo am 01 uopippe ul 'S,LNMHNaAOO Q[ld Isamu! s,zamonog jo spaaoozd pue slijauaq `sasn agI pue „uopeioossy szaum0„ am) and alp jo saiuliouj puu Sean UOUZUIOO agl 3u*ueuz .10 Wuiumo Xmua lualeninba 10 U0U 1O0SS1 szaumoaurog agI U1 Isazalui s,zamonog sapnpu! oSle Xlzadozd ata .(„and„ agl) [1uatudo luun pauuumJo atuzN] SSWOHNMO,L Ma IAUHAI1 SE umou1 luauidolanap uun pauueld e 30 lzud u si ,Clzadozd aqj „uopenpaa„ am) SNOI,LOI EIS Sd QNV SNOII,IQNOD SZNVNHAOO ui paquosap se `saiu]pu3 pue SEAM uouruzoo uiulzao puu slaozed lions zaglo gum zagla5o1 `5urlpmp u gum panozduu puel jo poled e '01 pauam!! lou si lnq `sapnpui /Clzadozd aq� [ssaippy dcpadoid] :Ie paleool puu IuaumIIsul /CuznoaS agl ui paquosap Xlzadozd alp Buizanoo put alup awes agl jo „zapua-I„ agl) Aas1er MaN 3o a ;PqS 01 4'4 go sMp auq. iapun buzgszxa pup pazzuab.zo uoi iodaoa NOILLVHOd2IOD ROI/OD:ION NVJJVHN W 3SKHO 01 aloN s,zamonog aznoas oI „zamozzog„ OM) pau5iszapun am iiq uani2 'mil awes am jo („Iuaumzlsui 'tuznoaS„ am) paaa *moos 10 ISrui 3o paaQ `aaIzovi agI luaulalddns puu puame of pauiaap aq begs puu mu! palezod103U! s! pue 100 Z tla.zew 3 pup LIB 8 Z sigl apuuz s! 2ISQRI 1NdIAidO'I3AdU IINII QgNNV'Id SIHZ 2I�QI2I INMAIdO"IEAEQ IINIl QENNV Id 0 ti 8ZTE8 AM 'HNIdnIV 'HAIEG dEAII S?IVNS 0TZ ©-7R (9912) 4C3 B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and against loss by fire, hazards included within the term "extended coverage," and any other hazards, including, but not limited to, earthquakes and floods, for which Lender requires insurance, then: (i) Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premium installments for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the master or blanket policy. In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 11. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. Ini Page 2 of 3 Form 3150 3/99 O3 'l BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower -7R (9912) Page 3 of 3 Form 3150 3/99 038