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HomeMy WebLinkAbout87235901014333 Return To: HomeComings Financial Network, Inc, One Meridian Crossing, Ste. 100 Minneapolis, MN 55423 Loan Number: 041- 248190 -5 872359 Prepared By: HomeComings Financial Network 14850 Quorum Drive, Suite 450 Dallas, TX 75240 DEFINITIONS [Space Above This Line For Recording Data] MORTGAGE WYOMING- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT WITH MERS MFWY7770 (11/00) 041- 248190 -5 6A(WY) (0005).01 Page 1 of 15 Initials: 4/ VMP MORTGAGE FORMS (800)521 -7281 F", L. CFIV Lll"1;w O LI c CL- .)ERI< 1 461 r2 HOOK PR PAGE__ J 4 MIN 100062604124819055 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 23RD, 2 0 01 together with all Riders to this document. (B) "Borrower" is PETER L. WELKER AND WIFE, PAIGE A. WELKER Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. 1 II 3 :1,7 Form 3051 1/01 11 iii L0 /L L90£ WJOJ 9 L la Z oBed LO'19000) (AAA)V9-� 5 (00 /ii) OLLLAALINI VdSg2I xapun „ugol ggalIoui pawl= Silexapaj„ s se Xjjeub lou saop uso7 alp pp uana „ueoj 02s24z0111 palatal teiapoj„ g 04 pir2ai up pasodun azs Lip suoipI 4saJ puss4uauiaJmbaz 1111 of sxa3az „Vdsg21„ `4uaumJ4sui *moos spin ui pasn sy •xallgui pargns ours 0114 suxano2 lE1p uoplein2oi zo uoppejspaj xossaoons Jo p uogippe Sue x0 'om 01 gulp 11013 papuauie aq Iijjiui Amp se `(oosc I'd 1L TD tz) X uoil1iaali `uo14jaaz 2inluaivaldun sap pug (•bas is T09Z uoilaoS 'O'S•fl zi) PVsampaooxdlua urging s al mg mu alp j SUE= „vasaH (d) •4ualunJlsui Allmon slip jo uopoas zapun s4unoius Sue (n) snjd'aiox aip Japun 4saza4ui pus ledpouizd (r) Joj anp iunouie palnpaips SlzeliiSaz 0114 sag= 11 10010Sed 3 1po1 10 6 (0) uso -I aq4 `uo ilnepp Jo 10 ivauI& duou 01j4 1suF2R Japuo' 2uipaloxd =emu! swam „aauuansul auSiaoY%I„ (N) •S4Jadozd alp JO uoii1puo3 Jo /pus anlsn 0114 `04 Se SUOISSiuWO J0 `3osuops4u0sazdazs1w (q) J0 !uopsuuiapuoo 3o 11014 ui aauee(anuoo (i g3zadoz gip 30 4Jed Niue zo lie 30 &I1)j 4 .imp0 Jo uoilsuulapuoo (ir) `.Sixadozd 0144 `Jo uopanz4Sap zo `04 aeuisp (r) :zoj (S uoipoas ui paquosap Saexanoo aqa Japun pled spaaooid aouixnsui um44 Jaip0) Shed p U144 &ue A mud Jo `saguiep jo pxeme `4uamaplas `uoI4esuadmoo Sue stream „spaaaoad snoausiiaasuyk„ (Iv) uoiioas uipaquosap gig isin MINT asoip sueom „su[a ;I Moaasg„ (7) •sza3SUSZ4 asno42uprop pa3eulolns pue `SJaJsUezi OJ!M `auoiidalaj pa4ep4pui SxamSUe o `suoilaesulJ4 =ppm Jaaoli:Powwoine `siajsuszi ales- 3o -mod `04 pawTUipi iou sr TN `sapnpui Wig) ipns •iunooae ue Ippaio Jo mop of uot4niplsup lepoueuy s 0ZTJ0Tne .10 `4on14sup `Jap.IO of se os adei o1iau2sui Jo `Jaindluoo `4uauinJpsup oiuoijdalal `lsuiuuai oiuoziaaia ue ij$no1ip paiepl1ui si ippilm `ivauinzisur Jaded Jeliuiis J0 `4J1ip 'pap pai1upuo 110i431SU1J4 a Us114 101140 `slum jo Jajsuex4 Niue SuUam „aagsumi spun3 atuoapa17„ (I) •UOi4eZlueax0 JgjinnS x0 U014eia0SSe szaumoaUioii `uopigpoossg umiupulopuoo s dq Sixadoxd alp Jo z0MOJJ0g 110 !moth!!! axe Imp S0 114) nip() pus sluauissasse `saaj `soup lle sue= „s ;uamssassV pug 'saa3 'Sofia uoj ;spossy ,f ;iununuo3„ (f) •suouiido jspppn[ algrpodde -uou 'pup ajgsogdde lie sr !pm se (mej jo pajja alp anmim IRO slapx0 pus Sarni ani3s1is1uiuipe pue saouUuppzo `suoil1ln2ax 'mums Ieaoj pug aiels `Iexapoj ajgeoijdde Burlioziuoo lie sueam u' aigeaiiddv„ (I) [Toads] (s)Jain0 1 I Jap J 4uaurdsd Sppomig Jappmi Suuied. T I faPRi 4uauidoIOAOQ ipufl pauurid Jam auioH puooas I Japp21 UmpuiuiopuoJ I 1 JapI)J VA Jappmi uooilpg JapD ai1g ajgslsn[py :[aigsoudde sr xoq apoip] JamoIJOg Sq pamoaxa aq 04 0Je szapp2I 2uimo1oj a1(J igM0.1JOH Aq pa;noaxa azs ;sip luaumJIsui AllmanS spgi 04 szaplg He stream „saappg„ (H) •150xalup sold luaumzlsui AirmanS snjl Japun any sums II1 pus `040N alp xapun anp sazsip aiej pus sa2JSip ivaiudsdaxd Niue 'Isazaiu! snld `aloN 0113 Xq paouapina Rap alp stream „ueo7„ (Q) 0111 ui 91421g jo zajsuszi„ 2uipeail alp Joplin mopq paquosap si 411144 Sizadoxd alp amour „1f;aadoad„ (,i) T E O Z LS T 'I I2IdEiji xaisl iou jjn3 up Nap alp Sufi o4 pus S4uauiI(sd oipoizad xeln2az ui igap STIp Ssd 03 pas3mozd ssi4 JO/AO-1.10g •3S0J04ui snjd 00 0 0 S 'SST 'STD signor 00I /ON (NV as aNIIH EAId GNFVSIIOH.L SAId A.L3Id GE2ICNIIH ENO Japua7 samo J0M0J10g 411143 501s4S 040N 014,1, T 0 0 Z GE E Z H02i'dW palep pug lOMOJIog Sq pau2Is 0401 AJossiUioxd gin strum! mom, l„ (g) EZvvSS NW 'SIrIOdVSNNIN 001 'ELS NKIQI2IEW ENO sp ssazppes c Japua7 E2IVENtriEa jo Smsj 0144 Japun 2119Spxa pus paziu12Jo CI' U NOLLV OdEOD s S1 Japua7 DNI )RIOM,LEN 'IVIONVNI3 SDNIWOOEWOH si „a (Q) (Q) "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 Instrumentsecures 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 Instrumentand the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 51, NORDIC RANCHES DIVISION NO. 4, LINCOLN COUNTY, WYOMING, ACCORDING TO THAT PLAT RECORDED AUGUST 9, 1994 IN THE OFFICE OF COUNTY CLERK AS INSTRUMENT NO. 787903, PLAT NO. 311 -C. Parcel ID Number: 36192610005100 which currently has the address of 916 SADDLE DRIVE [Street] ETNA [City] Wyoming 83118 [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 understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWERCOVENANTS 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 encumbrancesof 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. 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Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreementcontainedin 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 agreementis 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 deemed 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 accordancewith 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 CommunityAssociation 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 securedby 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 enforcementof 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 agreementsatisfactory 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 MFWY7770 (11/00) 041 248190 -5 6AIWY) (0005).01 Page 5 of 15 Initials: LA) Form 3061 1/01 1.0 /1. L90£ WJ0A 6 G M 'sIeI1NI 9 L 10 9 seed L0'190001 (AM)V9 S (00/TI) OLLLAAAdN gplm coup uoi p lou JO zagpagm `ivaumzpsui Aaimaas sup kg pa inoas sums agi of pagdde aq digs spaaoozd aauu'nsur age `pauassal aq mom Alimoas s, i puari zo aigiSeaj )(fgoiutouooa lou sr in da' ail jI •zamouog jo uotpg2ggo aios alp oq imp pug spaaaozd o ugmsun agI jo Ino pied aq iou Kegs zamouog paurioi 'sound pzigu 'ails 'o `szalsnfpg aggnd in saga spaaoozd Bons uo s2uruzga JO lsazalui Aug zamouog /led oI pazrnbaz aq aou iiggs'apua -i `spaaaozd aaugznsur tans uo pied aq of usa'aluT samba' mg-I aigeoiiddy zo 2uiuTzm ui augur siluaumaiBe ug ssaiun •palaiduroo si xzom eta se sTuauuiud ssazaozd jo sues gut 'o luauaud aijuis u uiuoipzousaz pug sirdoi aqT zo3 spaaoozd aszngsip dgur xapua-i •Apdurozd uavelzapun aq Buts uoilaadsuw Bons lgip papinozd `uoiuogjsiles s,zapuo of paialduroo uaaq set OM age amsua op Aizadozd ions podsui op Allunlioddo ug peg SET' zapua-1 iiaun spaaaozd aougmsuT Bons piog of 110F gip angg hits zapua-i `pouaduoip'olsaz pug iu daz tans 2uuna •pauassal aou sr Aiunoas s,zapua -i pug aigiseaj £Ituoiurouooa si nedaz zouoilgzolsaz ail jT `Auzadozd ail jo zredaz zouoiluzolsaz oI paiiddu aq Hugs `zapua-i £gpa'inbaz sgm aougznsui 2upipapun ail lou JO zaipiA `spaaaozd o ueznsur Aug Turlizm ui aazfie asiMZailo zamouog pug zapuai ssaiun •zamouog £q iipdurozd apgui lou 3i ssol jo joozd axguz Amu Jopua-i Japuoi pug zaiuuo aouuznsur ail of aopou idurozd a/0 O gs zamouog `ssol 30 Juana ail ui �•aa led ssoi iguopippg ug se Jo /pug oo2g2Tzotu sg zapua-1 auigu Begs pug asnep o2g21z0111 pzgpugps g apnpui hulls Aogod gaps `Aizadozd ail `3o uopanzlsap 'o `ol °Sump zo3 `'apuari ,igpairbaz asim'agpo Iou `affezanoo aouumsur jo uuon Aug surigo zamouog 3l •saoiuou rmauaz pug sumiuioid pied jo sldtaoaz Hu zapuari of ani2 Apdutozd hills zamo'zog `sazmbaz zapua-1 31.;sOTgoupioo lgmauaz pug saioilod ati plot of up !.1 ail angg ilugs'apua'-j •aaAgd ssoi p uoiTippg ug sgzo /pun aafg2lzour se zapuari auneu Begs pug `asnup a2ii 1oui pzepuels u wpnpui nets `saioilod ions oAozddgsrp oI I Ti s,zapua -i oI loafgns aq hugs saiogod ipns jo slemauaz pug xapuari iiq pazmbaz saiogod aougmsui ITV •luaw(i d 2ugsanbaz zamouog of zapua -i urozu a n ou uodn `isazalur tans Tim `alquAud aq lieu pug luaurasmgsip jo auup ail uiozj ale' 0 1 0 N aql le Isamu! igag hits sTunouig asst j •luaumzisui kpunoas sup Aq pins zamouog jo igap ieuopippe auioaaq digs g uoiioas sup zapun zapua- £q pasingsip spunom Auy •pauiglgo angg pinoo zamoz'0g rip aoueznsur jo usoo ail paaoxa iipueo!Jmuiiis 1112iui pauigigo os a5e1 A03 aouUmsu! ail jo Tsoo ail Tggl so2paimoupg zamouog 130330 uT ,iisnoinazd sgm uggl o2ezanoo zassai zO zapgoi2 apinozd I1Aui pug Aiiliquu zo pzgzgq `lisp Niue 1511ie2g 4iliadozd ail jo sivaluoo alp JO `Suzadozd ail ui ,limbo s,'amo"og zamouog loalozd lou 1112Tui JO Trier lnq `zapua -i z0A03 dells oSuzanoo inns `azopa'at,L •a2e'anoo jo lunouie zo adAi'uinoiu'gd Aug aseipind 01 uoile2igo ou zapun si zapua- •asuadxa s,'amouog pug uogdo s,zapua-i Tg `02gzan03 aaugmsun uieigo hut zapua-i `anogg pwgtzosap sa2uzanoo gip jo &ue uruluruui of sligj JO /O "Og 3I zamo "og �iq uopoafgo ug uro'j &ui2lnsa' uoileuiuuauap auoz pooij Aug jo Awing' agi IpTM uoIioauuoo It! Aauo2yivaura3eugyN bua2zwurg igzapaa ail Aq pasodun son Aug jo luauthid ail zo3 aigisuodsaz aq osle nets zamouog •uorleoijizao zo uoipuiuualap tans loajje Iij w Slgguosuoi t uim moos sip zgiiuus zo s &uiddeuiaz auiii gaga snip Iuanbasgns pug saainzas uopgoT3ipao pug uoiuguiuualap auoz pooij zo3 92'eto gait -auo a (q) JO :saainus 2uixoe'I pug uoiTgo!Jipaa `uoileu!tuinop auoz pooTj zo3 gamy anal -auo a (g) :zaiTTa `ugo-i sup glim uomouuoo ui `pied of 'amo"og o inbaz zapua -i ligguosgamun pasioxaxw aq lou hugs Iglu ioigm `aoioio s,zamozzog anozddusrp oT 11421.t s,zapua -1 of loafgns zamo"Og uasogo aq Bits aougznsun ail Suipinozd 1 1P3 aouemsui am, •ugori ail jo anal alp Suimp o2ugip ago saoualuas Suipaoazd a p of lugnsmd sazrnbaz zapua-i letM •sauunbaz zapua-i Imp spouad ail zo3 pug (slang! aigiTonpap 2uipnpui) siunouru alp ui paurluieur aq dills aougznsui siq i, •aougznsui sazinbaz zapua -1 rpigM zo3 `spooTj puesarnbtp'ga `o) paiiuul iou Inq Tuipnpum sp'ezi q Jails Aug pug „`aRe'wnoo papualxa„ uizaT atp uiglrm papnpur sprzgq `OJII Sq ssoi 1SUF2e pamsui £lzadozd alp uo paloa'a za13gazag zo &ugsixa Mou spuauianozduii agI daa)i iiggs z0MOZZ0g •aoueansui Siaadoad •S •ueoi sTgl glint uoiloauuoo ui zapua i 1iq pasn aoTnzas dupiodoi 'o /pue uopeouuan xel mpg luaz g zo3 any auul -auo a lied 01 zamozzog a'inba' Sum zapua-! 17 U0p30s sttp ui anogg ilzoj I0S SUOIIog 0111 JO azoui zo auo a)igu nail ail (jsilgs !legs zamouog `uani2 st aorpou Tutu g3TgM uo amp a 3o &iup OT uiglMM •nail 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 condemnationproceeds 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 proceedsfor the repairs and restorationin a single payment or in a series of progress payments as the work is completed. If the insurance or condemnationproceeds 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 inaccurateinformation or statementsto Lender (or failed to provide Lender with material information) in connection with the Loan. Material representationsinclude, 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 agreementscontainedin this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and /orrights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnationor 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 /orassessing the value of the Property, and securing and /orrepairing 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 MFWY7770 (11 /00) 041 248190 -5 -GAMY) (0005).01 Page 7 of 15 61) 0 Form 3051 1 /01 L0 /L L90E WAO( 9 L to 8 abed to•(e000) IAM)V9 5 (00 /Ii) OLLLAmdWWI •pumas Aug of .tanoaaog alma ;on jjjM Saw pug'aouiunsui a2e2poN mu 9M0 mit aaMOJJOg ;unoun a" aseaaouj ;ou jjjm s ;uautaaa;Ie'ions •ueoi aq; jo sum; aa'i ;o SUR JO 'aoueansui a2eS;aomi ao3 Awl o; paaaau seq aauoaaog ;gip s ;unoui aq; pa a ;on ;um s ;uauxaai i gans Any (e) .1ag ;at>g „•03u11msucaz ani3dg3„ pawn; uago si;uauiaSuelle ag3 `1ainsur gip o3 pied srwnruiald gip jo amp a 1o; aueipxa ui xsm sciamsur ;143 jo amp a saxes zapua' jo olgtp a ue Trip sapino1d 3uaui0a.12g gans 31 •sassoj 2uianpaz z0 'xsp s,zaznsui a2e2 .1oui alp 2uIJipotu JO Suuegs 1o; auiipxa 11i 'aaueznsuj a2e2;zoyg so; s ;uauuied s,lamozzog ;o uoi;lod a (sr pazmape n ip aq ;ij iur so) uroz; ani1ap win siunoure (Apaanpui 10 Apoosw) antaaal Diem `211io2oso; gip jo Niue jo a ;eqi 11 Niue so `iii ;ua nip Sur `1a1nsuia1 Aug 'zamsui Jag ;our 'o3oN ago jo zasegaznd Aug '1apuo i's3uauiaal2e ;sag; jo ijnsaz g sy •(sumiurazd 031111 .1nsui a2e2; .1ow mos; paulelgo. spun; apnpur dear gatgM) ajgejrene anrq Mgrs zamsui oSe21.1our ail; ;ego spun; jo 03inos Niue 2uisn s ;uauiAed a p w o3 zamsui a uSlsoui oil; a'mbaz Ser11s;u0utaal2e ;sags •s;uaurea.i2e asagp o; (sowed so) A;mgd 1'71410 ago pug zamsui a .20;z0ui OM o; Azo3ae ;sipgs On ;rip suopipuoa pue sumo; uo a1e s;uaruoos2g ;sou •sassojampaz so 'Is!' 1143 Appotu 10 azegs 314143 sat ;led soipo g ;runs ;uauloosSe o3ui za;ua Arm pue 'sun; 0; own mos; 03.10; ui 03u11insul gans jjg uo )jsiz;e ;o; nag; a3en;gno sla1nsui agS31oyAI •aaugznsui a2g2 ;low alp o; Aped a ;ou sr 1aM011011 •poos2g sr ueo-j alp Aedas ;ou sop 1'M0110 3i Emu! Attu sassoj ure;za3 so; (a;oN aj1 sasgg31nd ;gip inua Aue 1o) zapuai sas .1nquxiaz a3ugmsui a2e2 ;loi i •a;oN gip in papinozd a ;141 gg; ;e ;sa .1a;11i Arid o; uope2ggo s,l3mossog s ;aa ;e of uoi ;ass slap u! 5ui poN •mw; ajgeagddy Agpannbos s!UopeUiruso; j1;un zouogett uma; gans so; &uipinozd zapua7 pug 1amo11oguoom ;ag;uauraaae 110 ;pm g3Imoouipzo33i ui spuaaauemsui o2r5pow 1oluaurasniba1 s,lapua -I ;pun `an1as01 sso; ajgepun;al -uou g apinozd 0; so 'pogo m a3ug1nsui a$e23loyg uig;uteur o; pannbos suintuiald ag; pied j;ggs 1amo11og 'a3uemsui 22e2 10JA so; SWnnuosd ag; ;Immo; s;uauried p0311u*sap Aii0;11zedas alum o; paiinbox SEM 1amo1zog pue ueo-i alp Suppui ;o uoi ;mpUo3 11 se a3u11msui aa; 1owp3nnbaziapua- i ;i•aouemsuio2r2 ;so ;AI so; suiniu osdgippJ MO) sluouded polga!sop Aim sr dos salmb31 zapuo'i pug 'pauiglgo sr 'a ;gejiene saui000q uie2e 1apua1 popops zamsui ue dq papino1d (sa1!nbos sopua•i ;rip popod gip so; pug;unouie ag; in) aelano3 a3ug1nsui o2r2isoj 31 s ;uaugrd an1asos sso; azinbal saio; ou 11e3 iopuo i •anlasal ssoj gans uo aumu rno JO 3s3.01111 Niue 1amo11og Agd o; pasmbos aq 3ou jji qs lapua' pue 'jjn; 111 pied iimmunjn si ueo-j ago ;gip 33e; 0111 Suipug ;sipim;ou'aigepunjo1 -uou aq Hugs ansosaz sso; gans •a3ugznsui aeS ;ioyAI ;o nail ut OAIOSaz sso; ojg11punjos -uou a se sluauwird osotp umoz par osn '3daooe ;jim zapu0-i lava ui oq o; poseoo a11zanOa o ugmsui og; =win onp slam ;rip s ;uotniedpoieuaisap ii ;03e1edas 0143 jo motor 0143IOpua-i o; pied o; anUnuoa ins IOMO1IOg 'ajgefeAR Sou s1 ammo oouemsui a nSpoj ;uajenmba A; ;epue;sgns ;i •Jopuo'j Aiq pa;aajas salmis! 02E23.10111 a;11u1a3;e ug uiosj 'pojjo ui iijsnoinazd ooueznsui 02g231ow alp ;o 10M011og o3 ;Soo alp 03 3uaj11nmba iiiepugjsgns Ism a 3e `pogo m £isnoinosd aouemsui a2e2 ;loj 0143 03 3uajgnmba ,ij;epuelsgns o gzanoa upe ;go o; pazmbaz suiniu osd alp /cud Ijegs 13mossog 'aoue .1nsui ae3;zoyil so; suiniuroid 0143 p111M03 s;u0uieied pa3eu2isap A;0;eledas 031e1J1 o3 paiiibos SEM 10M0110g pug 03ueinsur tans p0pinozd ii;snoinosd ;rip zamsui 02112;1oui gip mos; ajg11jten11 oq o; S0sea3 1apua-i Agpannboi a111an03 a3ug1nsui a2g23low 014; 'uos1101 Niue 1o; `;i lava uia3ueznsui 0211231oyv ag3 ule3uriu o3 pannbazsumiu osd 014; /led Ijegs 10M0110g 'ugoi 0143 Suix11w ;o uOgipuoo 11 s110au111nsUi 0211231oyslp01mbaz1apua-i;i •aauminsui a2e8;aoNi •01 &ui3lzm ur 10 10 r alp 03 soosae sapua-i ssaiun anus Sou liens 0013 aa; gip pup piogaseai gip 'A;1adosd alp o; ai13 aa; sazmbae 10MOJ1og ;i •as11aj 0113 ;o suoislnozd 0113 TIE 11pim £jd111o3 pegs IOM011Oa 'pj014as11a; 11 uo 513uaumz ;sui ,i1im3as snp 3I •;u0uged 2ur3sanbos 1amoz1og o3 sopua -J uiou; oagou uodn `3saza;ui gans gprm 'oiggAgd oq Ijegs pug 3uauias1ngsip ;0 03110 a143 uio1; 0311103oM gip ;e ;saza ;ul nog ;legs s311n0W11 smogs, •3uaumz3sui £31m3as sig3 Aq pa1n3as 1amossog ;o ;gap ;111101 �1Pp11 among iiegs 6 uo133as sig; zapun 1apua1 Aq pasingsip s;unOUre Auy •6 uoI33as sig; zapun pazIog ;ne suoi3311 Iig .10 &I11 Su1x111 3011 z0; Aug!! ou maul zapua1 ;gip p0as& sr ;i •os op o3 uoi;11Sggo z0 ;imp Aug zapun ;011 si pue os op 0; 0A1114 Sou so op zapua-i '611oi;a0s sig; zapun uoi3311 axe; X11ui10pua'i g Onog ;jy •JJo .1O 110 pawn; sar3gi3n an1114 pug 'suoi31p1103 sno1auep z0 suoi ;11 ;orn apo31ag30 Ouipjmq 0311urunia 'sodid mos; 1031M 11ieip `smopuim pu11 sloop do pz11oq 10 0311;d01 'spot amp `s1led01 alma o3 A31ado1d 0113 2 ;110 `o; pa3ir'g 1011 sr ;nq `sapnpui £liodozd 0143 &ui.11130s •Buip0000zd /61dme u11q 11 tit uoi ;!sod paznoas 51; Wulpnl `3u0uin1 ;sui Allman s4g3 zapun s;gAl10 /pue A31ad01d ag ;111;sa1a3ui 51;330301d o3 saa; ,s/iau1o;311 1 0 9 J j j (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 restorationperiod, 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 undertakenpromptly. 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 agreementis 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 restorationor 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 securedby 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 accelerationhas 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. MFWY7770 (11/00) 041 248190 -5 6A(WY) 10005).01 Page 9 of 15 Initials: 7 t (tJ 0?0, Form 3051 1/01 1.0 L90£ WJOj L; °OL 06 d LO'(5000) (Am)v9- CSD S 06i817Z (00 /TT) OLLLAJIMPl '1tawn11Suu *moos sup Iapun luatuannbai 211rpuodsOJJoo alp djsiles jinn luaus nnbaz m11l ajgeogddy 0111 `me-1 0igialddy laptm pannbal osie sr luau i sui dljmoas sup dq pazrnbaz aorpou Aug 3i •1apua -j dq panraoai dgenpg 'pun Japua' Ol uan12 uaaq angg of pamaap aq lou iig113luaunzlsui diunoas stria fpm uorpauuoa ut aopou duy •10m0nog 01 aoiaou dq ssazppe zagpoue paleu2rsap set( IapuO -j ssajun uranq pawls ssazpp11 s,iapuari of muu ss11p lszg dq 11 2urptu dq Jo 11 2uuantjap dq uan12 aq wells zapua-j o1 aojiou duy -gulp auo Aug 111 luatunilsuj *moos sup Iapun ssaippe 0ogou paleu2rsap ono /quo aq Arm antis •aznpaoozd pa1,31oads letp i2nonp ssazppe jo a2uetp 11 lzodaz dfuo i n s zamozzog uaip `ssazppg jo a2ueia s,JOMOIJOg 2ur)Jodaz zojalnpaoozd a satjraads zapua-j 3! •ssazppe 3o a2ugo S,JOMOJJOg 3o Japuari dJpou dpdutozd ijegs JamoJJOg •zapua of aapou dq ssalppg aailou ajnlpsgns g palgu2tsap sell J MOIJOg ssajun ssazppy dlzadoJd ail aq jjggs ssajppe aopou aqj •asrmiatpo sa gnbai dissaldxa mrT aigeogddy ssajun s1 MO1JOg The of 0opou a1nlpsuoo Hugs 1amoJlog auo Aug o1 aopoN sum zagpo dq luas 3i ssazppe 0390u s,JOMOJJOg of pazaniap djp npe u011m JO jtetu ssgp 1szr3 dq pai111u1 uagq JOMOJZOg 0) u0n12 uaaq anet( olpal:map 0q fpggsluatunllsui dlunoas sup llrmuotlaauuoo uu J MOIJOg of aopou dry •2upum ur aq lsnur luaumllsui dlimoas snit tflrm uopoauuoa ur zapua-i 10 z0moJ1o11 dq uan12 seau ou iiy •saapobi •gj •0211 31 no tpns 3o lno 2uist111 anetj 1g2!tu JaMOJI0a U093e JO 111211 dug JO J0n1em 11 01nipsuo3 Ijjm Jamollog 01 luatud(d loanp Act apeur punpz -pus Aug jo 03ug403311 s,zamoJJog •(01ois1 0111 Iapun 1o3 paprnozd st aSzetp lu0tud11daid E lou Jo zatfagm) a21gtp luatitkedazd due inotpim luatukedazd jeilzed 11 sg palgaJ1 aq IITM uoponpaz ail `iedrouud saonpa1 punjoi a 3j •Jamo1Jog 01 luatud11d pazrp a 2unpeuu dq Jo aloN alp Japan pamo pediaurzd gip 2upnpai dq punjaz sup aIpur of asooip view zapua7 •Jamolzog o1 papunpal aq pin sllarq papituaadpapaaoxa ioigmzamozzog mot3paloaffoo (peaipp stuns Aug (q) pug `.lnugpallnuzad ail 0102I11go 0111 aonpaz o1 £JgssOOau ltmoure alp dq paonpaz aq ffggs a2n ip ugoj tens Aug (11) :uail `sltmq palln11Jad atp paaoxa u110-1 ail t prm uo11o0uu0o un papafioo oq 01 .paloajjoo so2Jetp ugoj Iaglo Jo 150Ja1ur all imp ospalazdzalui Sifeut3 sr mgj 1etp pug `salzego ugof urntuixeur Sias tplgm mgf a of pafgns sr ugo-j ail 3! m117 ajgeoifddy dq 10 lust utulsuj dlpnoas sup dq paltgigozd dfssazdxa on leis saa3 02111go lou (11111 zapua' •aa3 tons 3O 2u12J11go ail uo uopjq gold g svpan11sUoo aq lou 111115 zam0JJog 01 aa3 oupads a a2z11110 olluaumzlsui *moos sup ui dlizotpnw SsOJdxa 30 0ou03ge 0111 `5003101410 dug 01 p1P201 u! •saa3 uorllnjgn pug 11011oadsuu dlzadozd `saa3 ,sAauzone `o1 palituq 1ou 1nq `2uipnpur luatun115ui dlrmoas snip Japan s111211 pug Al1odo1d alp ur 1S0101tn s,lapua12upoalozd jo asodmd a111 zo3 linRJap S,10MO1JOg tpuit uo11oauuoo 111 patuzojzad saolnias zo3 saa3 10M0110g 02zetp SEW zapua-1 •sa2aeg3 ago'! •6I •Japua -j jo su2rss11 pug slossaoons alp iipauaq pure (0Z uorloaS ui papinozd sg ld0ax0) pulq pp11gs luatu1Ilsuj *moos sup 3o sluaura01211 pure sluguanoo ags •2ulum ui as11apaz gons 015001211 Japua1 SSapun111aWmI1SUj dltznoas sup Japan dlgiggq pug suop112ggo s,zamonog utozjpasiapJ aq 1ou 111115 10M0110g •luaurnIlsuj d1tmoas sup Japan sluguaq pug 511211 SelOMOJJOg 3o TIE tngigo iptis `Japua7 dq panozdde sr pug `211r11Jm upuaumllsu! Stpnoas sup 1apun suog1112igo s,zamozzog sauumssg ogm JOMOIJog JO 15010111! to 105S033nS due `gj uoiloaS 3o suorsinozd gip 01 pafgns •luas11oo S,1au2rs -oa ail lnolllm a1obf alp 10 luaum.11mi dlimoas sup jo sting) x111 01 pz11201 glrmsuop11pourur00011 Aug glum Jo .reaglo3 `djupour `pualxa 01 0012E 11113 Iamozzog Ia1110 Aug pug Japua-1 legl Saa1211 (o) pure `.luatunzlsui *moos sup 1igpo1noas sums alp ded o1 pale2lgo djf11uoslad 1ou sr (q) `.1uatunzlsu! dl!1noas sup jo Stuzal agl.Iapun dllado.Id 0111 un lsaza1un s,zau2r5 -oo affil danuoo pug 1111112 `02112110W o1 djuo luatunllsu! diunoas sup 2u1u21S -oo s1 (11) „zau2is -oo„ g) aloN all alnoax0 lou saop ingluatunzisuf dlrino0s sup Su215 -00 o11MJoM01Jog due `Janamoi-f •0Janas pu11 luiof aq Hugs dltfiggij pug suope2ggo s,Jamoz1Og 111141 pug sluguanoo zam0110g •punog 5112 jssy pug SJOSSaaans :saaa2( op gmfgeri jgaanaS pug lujo f •£1 •dpatual .to lg211 Aug 3o 051310x0 alp apnpaid Jo 3o zanrem 11 aq 1011 ins `anp u0g11uno1u11 gip 1111111 ssafs1unoure ur Jo J0MOJ1og 30130.10111! 111 s10S5033ns J0 sar1pu0 `suoszad p1i111 111013 s1u0tud11d jo ao11111d0oo11 s,zapua-j `uo111111unp 1notpua `2urpnptui dpatu0z Jo 111211 Aug 2uusuozaxa ui 1ap1O -i dga3u1J11agzo3 day •10MO11og J0150101111 to SJOSS033US due Jo zamolJOg pgum2uo ail ifgap11urpugulap Aug J0u051101 dgluaurnllsu! *moos sup dgpalnaas stuns all joto11ez11Joutu dji asrmza1110 10 111atud11d zo3 auuq pualxa 01 asnJa1 01 10 JOMOJJOff 30 lsaza111j 111 Ioss0oons Aug 1suie2e s2unp0aoozdaouatuutoo 01 pazmbaJ aq 101111egs zapua-! •10M0110g JO 1S0101u1 m 51OSSaoons Aug JO Jamoz10g jo d1!1(q q alp as11ai0J 0101>;Jado 10111111gs IOMOIIog 3o 1S010111! U( JOSSaoonS Jo 10MO1JO1{ o1 lapua-1 dgpa1u11121uatun11su1 dlimoas sup dgpaznoas sums alp jouo1111z111oum 3o uor1113Jipoul Jo 1tatud11d zo3 011111 all 3o uoisu0lxg •aanigAt a 1ON aapuari sit aaueagagaod :paseajag loN aa11oaaog •Zi 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreementby 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 transferredin 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 Interestin 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 containedin 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 Instrumentand the Note as if no accelerationhad 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 reinstatementsums 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 reinstatementby Borrower, this Security Instrumentand 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 unrelatedto 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 MFWY7770 (11/00) 041- 248190 -5 42> 6A(WY1 (0005).01 S a 53 Page 11 of 16 Initials: f (.-IA} VA,0 Form 3051 1/01 LO /l 150E wMI ri L' 0 C 11 M 7 :epri,iui St p e i 069 to•19o00) (AM)tl9 5 (00 /TT) OLLLAMdWI •dnueaD IeluaUiuozinug ue z0J zapua'I uo uopeSggo Aue aleazo iiggs uiazaq $tmpoiq .Avg-1 igluaumuortnug t pim aougpz000g ut suotpoe ieipautaz Azgssaoau Apdutozd ilggs zamozzog `Azgssaoau sT A3zadozd alp 2uipaajjea3uelsgnssnopzezeg Aueyo uogeipautaz zagpo zo IRAODUaz AUe 1e113 `Aped alenud Aue zo `Apuoipiw Azolein2az zo ieluaUIUZanoS AUg Aq pat you st JO `sumo! zamozzog 3I 13z0d0zd 2113 JO amen aqp s303Jg Aiaszanpe gaTgnn aoue3sgnssnopzezeH 3o asgaia i JO asn `aouasazd alp Aq pasngo uotlipuoo Aug (3) pug `aoueisgns snopzezeH Aug 3o as¢aiaz jo igazgp JO aseaiaz `a2zegosip `Sunjeal &uiipds Aug `o3 paliuiq Sou Iraq 2uipnlout `uoilipuo3Iepuautuortnug Aug (q) `aSpaimou)i Ignpog seq zamozzog TRIVIA jo MR1 ieluautu0zinug JO aouelsgns snoprezel.I Aug pug Alzadozd alp &11TAionui Aped algnud JO tioUa2e dtoleln2az JO Ieluatutuano2 Aug Aq UO3 tg nip() JO pmsmgi `pUgUtap `uitelo `uopesilsanri AUg (g) JO 0390U Uall!Zm zapua'I aAIS Apdtuozd Ilegs zamozzog •(slonpozd zauTnsuoo 11T saouelsgns snopzezeq `ol paliuiq Sou lnq tuipniout) Alzadozd alp jo aoueualuigtu of pug sasn igpuapisaz Ieutzou of algudozddg aq op paziuBooaz Aliezaua2 aze lop saouelsgns snopzgzeH jo saipTpuenb firms jo Alzadozd alp uo aSgzols JO `asn `aouasazd aqp op Aiddg lou iiegs saoualuas oml 2uipa3azd aqy •Alzadozd alp jo anien alp sloang Aiaszanpg legp uotlipuoo a salgazo `aouelsgnssnopzezgpl 3o aseaiaz JO `asn `a3Uasazd alp op anp `toigm (o) zo `UOpipuo3ieluaUtuonnug Ue swan ipiq (q) `mg'I ieluaUtuonnug AUe JO u0peloiA III Si 1g1(3 (e) Alzadozd alp 2up3a33e 5`uij ue `op 01 asp auoAug moue zo11 `op lou ins zam0zz0q Alzadozd OM UT JO 110 `sa3uglsgnssn0pzgzgH Aug asgaiaz olualeaztp z0 `saouelsgns snopzgzPH Aug jo asgaiaz JO `a2gzops lesodsip `asn `a3itasa1d alp liuuad JO asneo Sou Hulls z3MOZZOg •dnueao ieluatuuo.gAUg ug za2413 a simzatr30 JO `01 apngtzluoo `asneo um Imp uotlipuoo a sUgaiu „uoilipUOD ieluautuoz1Aug„ ug (p) pue `.me'IigluaUtuozinug uT paUgap se 'Wipe J A0Utaz JO `U0113g igipautaz `uoi3W asuodsaz Aug sapnpul „dnugaij ie3uautuozinug„ (o) `.uopoapozd jeluaUTUOZTAUa zo 'claps 'gloat' 03 am= igtrl palgaoi siklzadozd aql azagm uoilatpsunf gip jo SMgi pug smejigzapa3sueoUr mg'I ieluaut11ozinug„ (q) `.sigualgut aATpoeoipgz pug `apAgapieu1zoj JO solsagse gUt11teluo3 siguapetu 'swanlos appeion `sapioigzaq pue sapioipsad aixop `slonpozd umaiozpad otxop JO aigguturell zaglo `auasoza4 `augose2 saouelsgns 2uimoii0j aqp pug MegieluaUTUOZ1AUg Aq salseM z0 `s3Uepniiod `saouelsgns snopzgzeq zo 3X03 se pauIJap saouelsgns asogl aze „saouelsgns snopzezgH„ (g) :jZ Uopoas sup q pasn sV •saaug;sgns snopagzgH •1z .oz uoiloas sup jo suotsinozd uotpog anilaazzoo a)ie3 o3 Aliunlzoddo pug aoilou aqp Ajspgs of pautaap aq iietrs gj uoiloas of luensmd zamozzog of uan1`d uoilezaiaooe jo a313o11 alp pue ZZ uoT3o0s 03 luensznd zamozzog o3 UaAiI azno op Apiunlzoddo pug uoIlezaia33e jo aoilou aqy •gdez2ezed sign jo sasodznd zoj aigguosgaz aq of pautaap aq J?m pouad aural lelp `uaAel aq ugo uopag uteizao mpg asdgla lsnui gaigm pouad aunt a sapinozd Awl aigeogddv 3I •UOiloe 3A113azz03 Wigl 01 0390U trans jo 2111n70 alp zalje pouad aigguoseaz g (pant( Alzgd zaiilo alp papzojje pug taeazq paalle dons jo (Sj uoiloas josluautannbaz all gpim aoueTlduioo Ut uaAt2 aopou gabs gum) Aped 131(30 atrp paT,Ipou seq zapua'I JO 10mozzog 133115 iilun luaumzpsul Alunaas sign `JO n0Seaz Aq pamo Alnp Aug JO `3o uotsinozd Auepagoeazq 51113 Aped zag30 alp 3111(3 sa2alie 111113 zoluautnzlsUI Alunoas sill of 3Ugnsmd 511013011 5,A3zed zatrlo alp utoij 5051113 311133 (ssep g jo zagiaaut gip zo luapti ignpiATput 1111 1313310 se) Uoi3ag mown!' Aug op pautof aq z0 `UTOf `aouaiUUtoo Aeur zapua1 zou zamozzog zalltai zasegoznd alorl all Aq papT/told asiAumpo ssaiun zasggomd aloN alp Aq pautnssg 3011 aze pug z331AZas WW1 1OSS00015 a olpazzajsugzl aq zo za3TAias Ugo'j all 1 1mUTeutaz Iiim z0M0zz0g O suo131l gqo Su!atnzas ugoi 0 1l 31out alp `apoN 013130 zasegoznd agp 11ggl zagpo za3TAZas 11go'I g Aq paainzas si 111301 alpa3Jgazalp pug pion st a1oN alp 3I luio1AZas 3o Jajsur13 3o a3T30u a glim11oipoauuoo uisannbaz MFWY7770 (11 /00) 041- 248190 -5 (SD 6A(VVY) (0005).01 NON UNIFORMCOVENANTS. 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 securedby 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 renderedand 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. Initials: LiJL) Page 13 of 15 Form 3051 1/0 1 L0 /L L 90 wind JaMO7JOg- (i 9 HaXrISM '`dn EJIFId t f i3M for) 5l 1 °60d J OMOJJOg- IaMOJJOg- (Inos) Oros) J aMOJJOg- JaMOJJOg- (Tugs) (lugs) JgMOJJOa- 70M0J1011- (v s) (inns) Lo•(e000) (AM)v9 5 0618K ib0 (00 /ii) OLLLAMzINI :sassauatM Timm papzoaaz pug zamozzog kg paanaaxa Jam Sun ur pug juamnzasui 4znaaS sNi ut paurgluoa saunuanoa pug suizaa aril o; sagi2g pun sldaaan zamozzog `MO Igg JNINDIS Ail STATE OF WYOMING, My Commission Expires: 9-/f-O3 1 MFWY7770 (11/00) 041- 248190 -5 6A(WY) (0005).01 Page 15 of 15 Initials: County ss: The foregoing instrument was acknowledged before me this o2 3d'D Al' c) F Ageel.2 0 01 by PETER L. WELKER AND WIFE, PAIGE A. WELKER PENNYJONES- NOTARY PUBLIC CoUntyof?: Lincoln M Commission Expire. Se State of Wyoming ember 18, 20C3 Form 3051 1/01