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HomeMy WebLinkAbout872306Return To: OLD KENT MORTGAGE COMPANY ATTN: FINAL DOCUMENTATION P.O. BOX 204 GRAND RAPIDS, MI 49502 -0476 Prepared By: OLD KENT MORTGAGE COMPANY 7310 NORTH 16TH STREET SUITE 300 PHOENIX, AZ 85020 -5256 Loan No. 35278609 [1965596] [Space Above This Line For Recording Data] DEFINITIONS (WY 6A) (0005).01 Page 1 of 15 Initials: VMP MORTGAGE FORMS (800)521 -7291 106a01wy.0101r 872306 MORTGAGE F;ECiE,V'ED LINCOLN (sOIJ NTY ()L,ERK 26 I'll 5 NI r d f''1 r} I ICA: Vt i'adf i i 4 f:. 1i'x' `i V b'F l L7 BOOK_ 61 PR PAGE 4 MIN 1000142 1014009051 2 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 20th, 2001 together with all Riders to this document. (B) "Borrower "is WILLIAM L SPEARIN AND ELLIN E SPEARIN, HUSBAND AND WIFE 4 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. WYOMING Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3051 1/01 10/1 1.90E ULOf equ� [9655961.] 6099a9£ 4 7 •VdS321 lapun „um) agi jiow prep.' ,Cilelapa3„ E Se A3llenb iou saop UEO'I aq) 3T uana „I o) age$ ;1oW palElal Siielapa3„ E O) plaal ui pasodu[I ale )eg) suopailisal pup sluawallnbal Tie of slap.) „VdSd2i„ 'Iuawn1)sui ttqlnoaS sty; u) pasn sv 'nom pafgns aloes alp sulano2 ley) uopeln;ial 10 uoquisi;iai lossax ns 10 leuopippe Cu ,e so 'amp of amp uol3 papuatue aq 1y2itu Scam se '(00S£ 11Ed 2I f'Z) X uo11ejn 'uopeinVai ;iupuawaidmi sl] pup (•bas la I09Z UOpaaS •3•S•f] zi) lad salnpauold Iuatuaipas ale)sg pall am sueam „VdS3?L, (d) •)uamnl)sui SlunuaS si 3 uomas lapun slunome SUE snid 'aioN ay) lapun Isala)ui pue ledpupd (i) 1o3 anp lunome painpayus XpeinSal am sueatu „luam,Ced oipoilad„ (0) •ueog aq) 'uo linejap 10 'Jo Iuatukeduou aqj IsuieSe lapuag 2uipalold auuelnsui sueatu aouelnsui aSe;ia.JoiN„ (N) •iflladold agJJo uopipuoa 1oipiie amen ayl '01 se SUOISSimo 10 `3o suopeluasaldalsim (ni) 10 :uopeutuapuoa 3o nail III axle/Ca/woo (iii) :Slladold aqj jo lied he 10 HE 3o Wupiel laglo 10 uopeuuapuoa :(n).:S)ladold am '3o uoponwsap 10 `01 bBemep (I) :103 (S uopaas ut pagpasap saelanoa aqi lapun pied spaaoold auuelnsui upgi laglo) ,Cl1ed pliq) Sue ,Cq pied spaauold 10 'saSRUep 3o p1eMe ')uaaap)as 'uopesuadmoa Sue sueaw spaauold snoauelpasiJA (W) uomas ui pagpusap a1E iegl small asogl sueau „swan Molosg„ (g) •slajsueli asnogSuileaia paietuolne pue `slajsuel) a1iM 'auogdaia) Aq mew! slaJsuell `suoilaesuel) auigaEm laical pa)Etuopne 'slaJsuell ales- 3o -luiod `o) palimii lou si Inq 'sapnluui m1a) yunS •lunouue ue lipalu 10 map o) uopn)psui lepueug a azpoglne 10 ')on1)sui 'lap() of se os adei apauSem 10 '1alndtuoa `ivamnl)sui uiuoydaia) 'ieuimla) aiuol)uaia we *awl pa)epmi si golgM luaUnllsui laded mulls 10 'gem 'pap ,fq paleuiSuo uopuesueli a ueyi 1aq)o 'spunj 3 laJsuel) iCue sueaU „1aJsue1Z spun,d oiuolnolg„ (N) 'UOileZme2lo lellWTS 10 uopepoSSe S1auM0at0q 'UOIiep0SSe tuniuituopuoa a iCq ,C)ladold alp 10 1aM011og UO pasodui ale ley) sa; lega lag)o pue s)uawssasse `saa3 'sanp ire sueam „sivatussassd putt toad `sang uo[lepossy ,Cltunmtuon„ (r) •suoiuido Iepipnf algeieadde -uou 'purr aigeuiidde lie se ilaM se (Mel jo pa33a ay) aneq )eyl) slam pue salmi anpel)Siuimpe pue saaueuiplo `suopeinSa1 'sa)nlels paol pue a)e)s 'Ielapa3 algeaildde Suigolluoa lie sueatu „Meg aiquoiiddd„ (i) ca 0 V31aads] (s)1aq)9 1 apI2I giiuled lapig atuoid pumas SLJola6ed lapig )uaUiCed Splaamtg lapig )uatudolanaU )ion pauueid lapig wniuiuopuop 1 I0i0'AZ0E90I Lo(g000) (AM )v9 laPI2I VA lapi21 uoolleg lapig a)eg alge)snfpv [algeaiidde se xoq lam] laMOl10g ,Cq papt axa aq o) ale slapig Vu!MOIiO3 aq T, 1aMO11og Aq palnaaxa ale leg) )Uamn1)sui 'C)pnaaS sly 01 slaptg TTE sueatu „s (11) •lsalalui snid ')uatunllsui iClilnaaS sigl lapun anp stuns He pue 'a)0N aql lapun anp salega aiej pue sa;ileya luatuiCedald ,Cue ')salaltu snid `aloN aqj ,Cq paauapina igap agj sueatu „ueog„ (9) •ICiladold aqj uI sprgar jo laJsuel,T,,, Buipeaq ay) lapun mom pagpusap si pip Xpadold aqj maw „,Clladold„ (3) t� Z 'T T TsdV Imp 1a)ej Jou IIn3 ui )qap aqj ,Ced of pue s)uauhCed uipoilad 1ejuSal ui )qap sigl Sed of pasttuold seg 1aMO11og •lsalalui snid 00 000'08T S'n) s1EII0Q 00T /ON pu>? aZI'asnoHS A.LHDIS azucui H 3NO lapuag saMO laM011og )egl sa)Els a)0M ags 100 Z 'OZ go.XEN 'tamp pue 1OMO110g pauSTs a)ou Xiossituold agl sueaO „a)oN„ (g) OZOS8 ZFi 'XINSOHd 00E 3,1.I11S HL9T H1.21ON 0TEL sT Ssalppe s,iapuag NYDIHOIW 30 ELVIS EEL JO sMel aqj lapun Supsixa pue pazivalo NOI.LY110d2103 NYOIHOIN a Si lapuag ANYdWO0 aDVD.LEOI4 .LNS?I a'io sI „lapuag„ 90E?,4S0 0!`,12306 406 (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 Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to 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] LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART THEREOF Parcel ID Number: 36192420031300 which currently has the address of 2649 STEWART TRAIL [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. 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. 6A (0005).01 106a03wy.0101r Page 3 of 15 Initial 35278609 [1965596] Form 3051 1/01 60/1 190E mod lelllul SI. to q abed i 9 0I to (soon) )v9 [969 9961.1 6098L29E s)unowe aq) 'aigeXed amp& pue uagM 'Spaaalp iced JJegs JamoJJOg `JanleM gans 3o Juana aq) Uj •5upj1M ui aq Muo .few JanreA gans iCuy •awn Cue )e swap Molasg Ile Jo Cue Jo3 spun Japua'i o) iced of uopatlgo S,JaMOJJOg aAIEM Sew JapuaZ •swap MOinSg JJe Jo Sue Jo3 spund aqi iced o) uopeSpgo s,JaMoJJog santeM Japua1 ssalun swat MOJasg Jo3 spunj aq) Japuari iced pegs JaMoJJog •uopaas sit)) Japun pled aq o) s)Unowe jo saapou Ile JapuaZ o) gstuan3 Spdwoad JJegs JaMoJJog Ina)! 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MOJasg Jo3 spunj /fed osie IJegs JaMoJJog •a)oN aq) Japun anp saSJgga mei pug sa8Jega JuawiCedaid Cue pue a)oN aq) Aq paauappta )qap atp 'uo 'swam pug '3o ledpupd aq) anp uagM )(Ed pegs JaMoJJog •sa5Je4O a)g'j pue tango )uaw,Ceda1d 'swami Molasg 'Jsaaa)ui 'Igdlou!Jd Jo )uauziCed •i :sMOp03 se aa1Se pug pima/ton Japta'i pue JaMoJJog •SINyNdAO3 lAIUOdINII U8723U6 due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the Cro.-6A(WY) (0005).01 106a05wy.0101r Page 5 of 15 Initial 408 35278609 [1965596] Form 3051 1/01 40/4 450E WJOd �epWl [9655964) 6098LZ5E po mot 'anp uaq) )0U 10 Jaq)agM luawnipsu' Slllnoas stye ,fq pampas suns am o) palldde aq [legs spaapold aouElnsul aq) `pauassal aq ppnoM /C)pnoas s,lapuai Jo atglsea3 CIleolwouoaa )ou sI "[Mal 10 uopeto)sal ay) 3I •JaMolJog jo uopaI'go Nos ag) aq [legs pug spaaooJd aouElnsul ay) jo )no pled aq Iou Hugs laMO11og Act paure)ai 'sawed pllya Jagao so `sia)snfpe oilgnd 1o3 saa,g •spaapold pus uo auluJEa 10 )sala)ul /CUE J3M011og ,CEd o) pallnbal aq Iou IIEgs lapua7 'spaaoold apuElnsu' Bans uo pled aq o) lsala)uI sallnbal Mg' a'geollddy 10 Supl1M uI aim" sI luawaaBg ue ssalun •palajdwoo SI )IJOM ay) sE s)uaw/cEd ssai;Ioid jo salsas E ut Jo luaw,ced aiSuis p ui uopelo)sa1 pug slledat agI lo3 spaaoold asingslp Sew lapua1 •/Cpdwold ua>[E)lapun aq llegs uoppadsul pus Jug) papptotd 'moppe3snes s,Japua' o) pa)aldwop uaaq seg >j10M ay) alnsua o) ,C)Jadold wits padsul o) iCllurioddo ue .peg seg lapual'nun spaapold aauElnsul g5ns ploq o) map ay aAEg um lapwrj 'popad U0pelo)S3J pug Jledal gons SuJJnQ •pauassal )ou SI *moas s,Japuw pue a'gisea3 heolwouoaa sr Jiedai 10 uonaunsa1 ay) 3I 'IC)JadoJd aq) jo lledal Jo uopeJO)sa1 o) palldde aq Ileys `1apUa' ,Cq pallnbal SEM aouglnsui 2up/Cpapun aq) )ou' laypagM 'spaaDold aouElnsui ,Cug aa4e aslMlaq)o 1aMOJJOg pug Japua7 ssalun 1w/wing ,fq ,tpdwold apEm )ou 3i ssol jo jooJd arm Sew tapua1 •lapual pue 1aJ1JE0 aouElnsul aqi 0) aonou )dwold aAlg "Rs 1aMOJ1og `ssol 3O )uana agI u' •aa,CEd ssol Ieuoplppg tie se Jo /pue aaSESl10w se lapua' aUIIIII Hugs pug asnep °Sgallow p1Epug)S E apnpml Hugs ,Cogod gons '/C)Jadold ay) '3o uoppnt)sap 10 '0) a2etuep 103 'lapua' St' pallnbal asJMlag)o )ou 'aSElanoo aouElnsul jo wuo3 ,cue sulelgo 1aMo11og 3' •saJpou IEMaua1 pug swnlwald pled jo s)dlaoal Ilg saloon o) itpdwold Ilgys JaM01J0g sallnbaJ Japual 3' •salepgplaa '2Mau91 pue sapllod ay) 'Nog o) )4p ay) aneg Ilggs lapua7 •aa,Ced ssoi leuopipp2 uE Se Jo /pue aa24)JOw se Japua- aweu IIEgs pue 'asnep a241low plepuE)s 2 apnloui [legs 'sap'lod yons anoiddesip Ol )g2IJ S,Japua' o) )pafgns aq pegs sapilod pus jo sleMaual pue Japua7 /Cq pallnbal salollod aouglnsui "iv •)uaw/Ced Supsanbal 1aMOttog 0) lapU wo13 apnou uodn ')salami yons mot 'alge/Ced aq [legs pug luawastngsip jo amp ay) uol3 alu1 apoN aq) jr )salami leaq [legs S)mnowe asagj, •)uawnl)SU' !C)IJnoas sup /Cq pampas JaMOltog jo )gap'euoplppe awooaq IIEgs S uoppas slq) Japun lapua' ,Cq pasingsip s)Unowe Aug •paulg)go mug pjnoo 1aM011og imp aouElnsul 3 )sop agI pax ApUEpiliaIS )112iw paUIE)g0 OS 4E10AOJ apUElnSUi alp 30 )Soo aq) )Ell Sapa'MOU)p2 laMOJJ0 •ppa33a ul ,flsnolnatd seM imp aelanoa lasso' JO la)pa4 apinold )4iw pug /Cplllgeli Jo 'mug ')ISIJ /Cue'sure& 'A)JadOJd ay) jo S)Ua)UO3 a Jo '/C)1adold ay) UI /Cpinba S,JaMOJJOg '1aM011og ppaiold )ou maim 10 )gSI1U )nq 'lapua' Janoo Ileys aEJanoo yons 'a1ojaiagj •a;Ielanoa 3o moue 10 ad/CI 1epnonled Cu /e asegoJnd o) UOJ)R jlgo ou Japun sl lapua7 •asuadxa S,JaMOJ10g pup uopdo s,lapual lE 'a am/too aouElnsul memo ,few lapua7 'male pagilnsap saElanoa alp 3 ,Cue ulepulew o) slle3 1aMOJJOH 3I •laM011og Cg uoppafgo uE wot3 4upinsal uopeuiwlalap auoz pooh he 3o Mai/tat alp g)IM uopaamuoo ut ,CpuaRy )Uawaa2U2JAJ /Cpuaalawg IE1apad ago /Cq pasodwl saa3 Sue jo puaw/CEd aq) 1o3 alglsuodsal aq age [legs laMonnog uopeaupiao 10 uopemwla)ap pus pope )yatu iJg2uosual ypi4M 1npp0 sa2ueg3 JE'ICUIS 10 sipu'ddewal awn Ilea Saa1Elp )uanbasgns puE sa3JAlas uonepgnlao pue uopeu'w1a)ap auoz pool{ Jo3 a;IJEyp awp -auo E (q) Jo :saotnlas 5Uppp2J) pue uon2Opplao `uopeuula)ap auoz p JO3 a2JEgp awp -auo a (E) :Jagpia 'U201 sly) glint uonpauuoo UI `/CEd o) 1aMOJ1Og aJlnbal Sew Japua -j •,C!q uosEalun paSl3Jaxa aq )ou Ileys )0I1 yoi4M 'aololo S,JaMOJ10g aAo1dd2Sip 0) )4IJ s,Japua -I o) pafgns 1anMollog ,Cq uasoyp aq Ilels apuElnsui ag) Su'pinold 1a'11eo aouElnsul )4J •ue0Z aq) 3o tuna) al) $u'1np agugyp UE3 Saoualuas Sutpaoald ay) o) )uenslnd sallnbaJ lapua -I )eqM •sallnbal lapua7 )py) spol1ad ag) Jo3 pug (slang' apgponpap ;Iulpnpul) sumo= aq) ui pau!Elulew aq net's aouElnsul situ, •aouElnsul sallnbaJ lapua7 gppon 103 'spOOJ puE sa)lenby)Jga '0) pa)IWII Jou )nq `;Iulpnpul smut' laypo /cue pue „'a;IEJanoo papualxa„ ma) aq) uly)IM papnpul spinet' `alp ,fq ssoi ;stile& paJnsul /C)ladold ay) U0 pa)pala 1aiealal 10 &upslxa Mom s)uawanoldwl ay) daal IIEgs 13MO11Og •aouElnsul ,C)ladold •s •ueo1 sly) Tim uonaauuoo uI lapua7 ,Cq pasn ao[A1as 2unlodai a0 /pug uOpepl3il0A xe) a)e)Sa Leal a l03 41243 awp -auo E Sed O) JaMO110g aJlnbal ,tow Japua7 •p uonoas sly) uI aAOgE y)JO3 )as SUOII3E ay) 3o atom 10 auo a)IE) 10 UN! ag) ,C3sil2S IIEgs 1aA011og 'ua /t4 sI a3I1OU )Eg) gpl4M uo amp 6017 9 t 10 9 a6ed II0 to (soon) (AM)y9 m ay) JO s,Cep 01 TMMMMM •u01I 0872306 the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and /or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and /or assessing the value of the Property, and securing and /or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable 35278609 11965596] 6A(WY) (0005). 106a07wy.0101r Page 7 of 15 Initia 410 Form 3051 1/01 10 /1. 15oE WJOj [9655961] 6099LZ96 ITV 1u1 1 I0I0 1 80 e 90I 91 10 8 abed L019000) (AM)v9 •punja1 ,fug oT o.uog amtua uou IIIM dam pug `aougansui a5E21JOyq Joj aMO III^ JaMO.uog Tunowe aqT asgaJoui uou IjIM stuauiaaJSE guns •ugo'I am jo =Jai. 1241O ,iue JO aaueinsul &allow Jo3 iced OT paai .2g stm JaMoJJog Tutu s;unoulg atT Toa33g Tou III' s ;uauiaaJde tons fuy (g) :Jay)Jn3 „•aaueansuta1 anpdea„ pawn uago si )uawaStrene ag) 'Jaansut aq) o) pled swntwaad at) jo aJegs a Jo3 Aueyaxa ui nsJJ s,Jaansut aq; jo aiegs a sane) Japua7 jo alecl33e ue )eg) sappnoad )uawaa &fie tons 3I •s ssoj 5ulanpaJ Jo 'nsJJ s,Jaansui a;Ie;I)Jow at) Rupf31pow Jo Supegs Joj aUetaxa uI aaumnsul a;IeS)Joj^j Joj s uaw,Ced s,JaMOJJOg 3o uopdod g (se paziaa)aeJeya aq )gSiw Jo) uIoi3 anuap )ey) s)unowe (Xpaaitpui JO iCpaaatp) antaaai /few iutoWalo3 ay) jo Cu ie jo apjijje Cue 10 'ICmua Jaq)o Cue `Jainsuta. Cue JaJnsut Jat)oue 'aioN ay) jo Jasegaind /Cue 'Japua'I 's uawaai$e asag) jo insaJ a sit (swnrwaad auueansui a2eSilow woi3 pame)go spun3 apnpui Xew galgM) ajgejtene aney ,Ceui Jaansut aSeS)Joui at) )egt-spun3 3o,. aaanos /Cue 2ulsn s)uauiiCed anew o) Jaansut a2e2)Jow ay) aJlnbai /Cum s uawaaJ,Se asagi, •s)uauiaaJ,Ve'asay) o) (sawed Jo) Xped Jag)0 at) pue Jaansut a;IeR)JOw at) .01 /(.Tops jspes aig )et) suoptpuoa pue sumo) uo a JE s)uawaa1Se asagj •sassot aanpai JO '5sp .nag) if31Pow s0 angs )mg) sawed Jamo t)jM s)uawaaI a o)ut Ja)ua ,Cew pue 'mull O) amp wo13 am in aaueJnsut vans He uo )Is!a ;um Jlay) a)gniena saaJnsui a;Ie2)JOytj aaugansui a$e;I)JOj^j at) o) kped e )ou si JaMoJJog •paaJ;Ie se ueo•I ay) /Wax )ou saop JaMoJJog 3t Jnaut /Cell 1t sassot uig)Jaa Joj (aioN ay) sasetaand )eq) Aipua Cu e Jo) Japua1 sasanqulta1 aaueJnsul aSES)JOj'J •a)oN at) ut papino.id am ay) )e )saaa)ut iced o) uopegtjgo s,JaMOJJog maim 0I uopaas sit) ui &utq)oN •Mw'i ajgeotjddd /(q paambaJ si uopguiwaa) jpun Jo uot)eutwaa) ions 1o3 ;IutptnoJd Japua1 pue JaMoJJog UaaM)aq )Uawaa1Se ua)i1M /Cue q)JM aauepioaae UI spun aaueJnsul a;Ig;I)JOy\I J03 )uawaJinbaI s,Japual ;Hun 'anaasaJ ssOJ ajgepunjaJ -uou a aptnoad 0) Jo Voila ut aaueJnsuj aSESIJOjAI uig)UTew o) paimbai swntwaid at) /Cud I[eys JaMoJJog aaueJnsul °Sallow[ Joj smniuiaad aq) pagmo) s)uauiiCed pa)eujs p Xja)eaedas anew o) paJtnbaJ sum JaMoJJog pue ui o'j ay) Supieul jo uopipuoa g se aautinsui a8eSIJOIAT pannbai Japua-j 3i •aaueJnsui aSES)Joyq Joj stuntman' ay) pJPMO) s)uauged pa)ealsap ,fja)gaedas sannbai Japuai pue 'paute)go si 'algejlgne sauioaaq uteSe Japuarl x pa)aaias Jaansut ue Cq paptnoad (saatnbaJ Japua-j ley) popad ay) Joj pue )unoule ay) ut) a5eaanoa aoueansui a;Ie2)Joj,\I 3t s)uaulXed anaasa1 ssoi ai)nbaz Ja;Iuoj ou uea Japua'j •anaasaJ sso1 tans uo sSuiuIea JO )SaJa)UI kuu JaMoJJog 'fed o) paJtnbaJ aq )ou [tugs Japua-j pue 'jln3 ut pied /Cja)ewpjn st ueo7 ay) min )ae3 ay) Suipue)sgjjou 'ajgepunpaJ -uou aq hugs anaasai ssOJ tans •aaueJnsul a;Ie2)JOj^j jo nail In anaasa1 ssoj ajgepunja1 -uou a se s)Uaw,fed asaq) me m.' pue asn ')daze IitM Japua-j •)aa33a ut aq o) paseaa aeaanoa aaueJnsul aq) uaIM anp aaaM )eq) s)uauded pap uSisap Xja)uiedas aq) jo )unoun at) Japuarj o) iced o) anupuoa hugs JaMoJJog 'atgeitene )ou st a;jeaanoo aaueJnsui aRe;I)JOyAI )uajenmba ,Cljetuumsgns 3I •Japua'j iCq papaias Jaansut ageS)JOUI a)euaa)je ue uioI3 ')aa33a ut ICjsnotnaad aaueJnsul aSeS)JojAI aq) 3o JaMoJJog o) moo am o) )uaieninba (Itepue)sgns )soa a )g 'ma33a ui iCjsnoinaad aoueansui a;je;I)Jojpj at) o) )uajenmba Xjlenue)sgns a5manou memo o) paJtnbaJ swntwaad at) /Cud Begs JaMoJJog 'aaueJnsul aSe;I)JOJA Joj sulnlulaad at) I m mo) s)uam/Cud pa)eu;Iisap Sta)gJedas anew o) paJtnbaJ sum JaMoJJog pug aaugansut tans paptnoad ,fjsnotnaad )eq) Jaansut a2e2)JOUI aq) wo13 ajgejtene aq o) saseaa Japual Cq paJtnbaJ agivanoo auueansuj a ugpow at) 'uoseai iCue Joj '3I •)aa33a ui aaueJnsul aSeSpOJAJ at) Ute)ulew o) paJtnbaJ swntwaad ay) ked Hugs Jamoaaog 'ueo -1 ay) Supp ul jo uopipuoa a se aaumnsui a;IeS)Joj,I pa.nnbai Japuai 3I •aougansuj aEESTJON •01 •Sup1JM ut Ja;IJaul aq) 0) saaa;je Japua-j salon &Jaul )ou jjegs app aa3 aq) pue pjogaseat at) '41ado1d ay) o) apt) aa3 sa1tnbae J0M0JJ0g 3l •aseaj ay) 3o suolsinoad at) HE g)tM Ajdwoa [[ells JaMoJJog 'pjogaseai e uo st )uawn1)sut iC)ianuas sit) 3I )uauliCed 8upsanbai JaMoJJog o) Japua'j woJ3 aapou uodn 'macaw; gaps q)im 'ajge,Ced aq jjeys pug )uawasangstp jo amp ay) Iuo13 a)e1 a)oN ay) )e )sa'a)ut Jeaq jjggs sumo= asayi, •)UawnJ)sui *C)ilimas sty) xq paanuas JaMoJJog jo )tap leuo) ppe awoaaq I[ets 6 uo sty) Japun Japua- /Cq pasangstp s)Unowe ICUd •6 uo st Japun pazpotpne suoIpe HE 10 Cue 2Up1e) )oU Joj /C)i ou snout Japua• )et) paal& st )I •os op o) uopeStigo JO Amp ,Cue Japun )ou si pue os op o) aneg )ou saop Japualj '6 Uopoas stq) Japun Uopae 0)1e) SEW Japua-i tgnog)Iy •33o Jo uo pawn; sawn angq pug 'suoptpuoa snoaaSuep 10 suopeloin amp Jag)o Jo Sutpllnq a)eutultia 'sadld woi3 10)eM uieap `sMopulm pue snoop do pieoq 10 auejdaj 'snaoj Amp 'si1edai anew o) IC)Jado1d at) Su1J0)ua o) pafwtj )ou si )nq `sapniaui A)Jado1d at) Supnoas •5utpaauoad ,CD)dnJnueq u ui uoptsod paanuas s)I ;IUtpnjaul ')uawnI)suI A)ianoas sit) Japun s)gSIJ Jo /pue If)Jadoad at) ui )saaa)w s)i )aa)OJd o) saa3 ,sXauaofe 9[1.7 {40 os 4a0G (b) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard fo Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's 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. 6A(WY) (0005).01 106a09wy,0101r Page 9 of 15 412 35278609 [1965596] Form 3051 1/01 1.0 /1 1508 Lund 4 L 10 O L a6ed liOIO' ''OIe90I Lo(soao) (,N)y9- [96559611 6098115£ •ivawnlfsuj A ;;moas s;q iapun juauiagnbal ;julpuodsailoo ay; )(plus ;pm ;uacualmbal Me'j aiquouddll ay; 'MEZ algeojddy lapun pai;nbai oslp st Juatunllsui p noas sly; Sy paltnbai aopou ifuu 31 •lapua1 pantaoal CIlenpe [pun lapua -j o; UaAJ;j uaaq anEy o; pawaap aq ;ou Heys ;uawn.Jsui S)pnoas s1gJ t M Uopoatuoo uj aapou ,Cud •laM011og of aopou Xq ssalppe oayjoue pa ;eaisap set lapua•I ssalun u;aiaq pa)e ;s ssalppe s,iapua1 of HEW ssep ;sot; ,Cq J; ;juyIEw Sy 10 2upanpap ,Cq uanj2 aq Heys lapua-j of aopou ,Cull •auip auo iCUE )E JUauutpsul ,CJunoas sty; oapun ssalppE aopou pa;EAsap auo Siuo aq Sulu amyl •alnpaoold pagpads my; q nooyj ssalppe jo a8uey3 E Jiodao iquo Heys JOMO11OH uayJ `ssalppe 3o aSueyo s,iaM011og 2upiodai ioj alnpaoold E sajjpads lapua7 3j •ssalppe jo agurto s,1aMO11og jo iapuari iCjAou Apdwoid jets 1aMO11og •oapual of aopou Xq ssalppe aopou a)n)psgns e pa)euHjsap set oaMoilog ssalun ssaippll ICJladoid ay; aq Heys ssalppE aopou aq,L •asymay ;o saolnbai ,fissaodxa ME-j aige3iiddV ssalun S1aM0110g jje of aopou a)n ;psuoo 11Eys 13MO110g auo ,Cue of aopoN 'sum! ia110 Sy Juas 31 ssaippu aapou maiming o; pan/trap SIIEnpE uayM 10 pew ssep ;sit; Sq pajlpiu uayM 1aM011og o; uan12 uaaq anEy of pawaap aq Heys Juawnujsul Slimes sly; ram uoipauuo3, ui iaMoiiog 0f aapou 1CUV •211i)u1M UI aq Jsnw JUawnlJsui kr1lnoas sJyf ram Uopoauuoo uJ lapuai 10 1aM011og ,fq uanJ2 saopou Ill/ •saO1 ;oN 'St •aleyolano cons jo fn0 &11ISI1e aAEy ;115Iw laM0iing U011 3E 30 Jgji SLUE JO 1aAIEM E a ;n ;pSUOO IHM 1aM01i0g o; JUaw,CEd pip Sy apew punJao tons ,Cu e jo aoue;daooe s,oaAoolog •(af0N ay; lapun oo3 papinold sl aSieyo luau/Wald e JOU 10 1ay;agM) amp )uawXEdaod Sum ;nogJiM juaw CEdaid Iepoed a se pa)eaij aq HIM uoppnpao aq) 'iedpupd saonpai punJal a 31 •oa.oilog o; ;uawaEd pulp a upp w ,Cq io a ;oN ay; lapun panto ;edpuud ay; Sulonpal Sy punmal slgf alum 0) asooyo Sew oapuaZ 1aM011og of papunjal aq HIM squill panpwiad papaaoxa to!gM JaMOOlog woo3 papapoo fppalje sums Suu (q) pup :)1wH papiwlad ay; o; Amp ay) aonpai o; Siussaoau 1unowu ay; Sy pampa.' aq Heys a2oeto ueoj tons iCue (e) :uayJ 's)1w11 pa)Jlwoad ay; paaoxa uuo-i ay; y ;IM uopoauuoo ul papaj;oo aq of io papajoo saaleyo no; 1ay)o io ;salami ay; JEgJ os pa)aidla ;u; /CHEUt; s; MEl my; puE 'sa;ileyo ueo; wnwlxEw s)as yo!gM Me; a o; pafgns SJ ueo' j ay; 31 Me i ajge3Hddv Sy 10 )uawni;sui 'CJjonoas sit; ,Cq pa ;Igltoid iC;ssaidxa ale ;Et; saa3 amp Jou Sulu lapua-I •aa3 tons 3o Hujaleyo ay; Uo uoptgjgood a se panl)sUoo aq ;0u [jugs 1aMO11og o) aa3 otlpads a a8oey3 0; )uawno)sui Swims s1q) ui S)Jiot)nP ssaidxa jo aouasge at; 'saa3 iaq;o ,Cue o) p1ESai ui •saa3 Uopen;EA pug uopaadsui iCJoadold 'saa3 ,sSaulo;JE 'o) pa ;iwll )0u Jnq '8uipnpul ')uaU1n1Jsuj IC)unoas s;t) oapun small puE rC;iadoid ayJ Ut ;salami s,lapuaJ &upoa ;old jo asodind ay; io3 'JIn13ap s,laMOOlog grim UopoauUOJ ui pawiO31ad saNAias io3 saa3 1aM0iiog amp ,lulu iapua'I •SaB1eg3 UEO'i •i7I •oapua-i jo su;jissp pue siossaoons ay; J,3auaq pup (oz uopoas u; papp oad se )daoxa) pu;q HEys ;tawnlJsui )lonoas sit) 3o s)uauma1Re pue s)uetanoo ayZ •2UpjJM u; asea;al tons OJ saa1;je oapua-I ssalun Juauml)suI S)tonoas 5lg1 lapun SJIHg1i; pue suopaljgo S,1aMOloog wo13 pasea;ai aq ;0u Heys 1aMO11og •)uawnijsuj Sginoas sup lapun s ;ilauaq pue SJy41 S,1aM0110g jo ile uie)go Heys 'lapua(j panoidde st puE `Sup11M u1 ;ualunl)SU1 Xpmaas sit; lapun SUOfE$llg0 S,1aMOlo0g sawnss1 oiM 1aMO110g 3 )sala)Ui u; lossaoons :Cue '81 uopoas 3o suotsInold ay; o) pafgns •Juasuoo s,1aU2;s -o3 ay; Jnoy);M a )0N ay) 10 )Uawn1)suj JC)tinoas StgJ 3 min; ay; o) p1E8a1 t)IM SuopepoU1Ul000e CUE 0)1EW .10 1Eag10J `,C31POw 'puaJxa o) aa18e, 11E3 iaM0110g 1at)0 CUE pue lapuarl my; saal,V1 (3) pue :)UaU1n1)SUI S);inoas s;q) Aq painoas sums ay; kW of pa)eSHgo ,CHeuoslad Jou si (q) :)uawnlpsul A)pnoas sly) jo stun; ay; iapun IC)ladOid at) uI ;swam; S,1aUSts -o3 alp iCanuoa puE lue12 `a2e8)iou1 0; S;vo )Uawn.JSUi SJ11n0as sly; RuluSjs -o3 sJ (e) „1au8is -oo„ e) aJoN ay; a)noaxa Jou saop ;nq )tawll1JsUi X)unoas s;y) su8is -03 OyM .1 M0110g Cue `1anaM0H •;EiaAaS pue ;uj0f aq T1eys Su0pe8yg0 S,IaM0110g my; Saa1SE pue s ;ueuaAOO 1aMO11og •punog saajssy puE slossaoans 's1OU21s -0D !Augur; pianos puE )ulof •£i 'Spam.' 10 ;Op Cue 3o asplaxa ay; apnpaid 10 3 1an!EM a aq Jou pugs 'anp uayJ )Uriow1 ay; my; Ssa; SJUnOUIE UI 10 iaM0110g 30 maim; U; SiOSSaoons 10 SaTJpua 'suosiad pin) wo13 S)uaul,Ced jo aoue)dao3E s,iapua1 'uop1)JU11I JnoyiM `2uipnpui ifpawai 10 ;Op /Cue 5UlsPlaxa UI lapua'j Sy aoue1eag1o3 Cull •14M0110g 3 ;sala ;ui ill 5.10559330S SUE 10 1aM0110g 1EU18110 ay; Sy apew puuwap Sue jo uoseai Sy ;uauml;sui A)linoas sit) iCq palnoas stuns ay; 3o uopezplowe &1pow as!Miat)o 10 JUaWICed 103 aulp puaJxa o; amp.' o) 10 1aMOloog 3 ;salafui Iui lossaoons Cue )SU 118E S8Uipaa30id aouauutuo3 0) pai;nbai aq ;cm Heys iapua' •1aMOi10g 3 ;sala ;Ui UI Slossa3ons SUE .10 1aM011og jo /Cftjgptl ayJ amp.; 0; a)eladO )oU 11Ey5 1aM0110g 3 )Saia)ti ui iossa00ns iue .10 1aMO1i0g 0J lapual Sy pa)UE18 )Uawni)sui Swims sit; Ay ;mamas sums at; 3o uopezplotu13o Uopeot;jpow 10 fuaw1Ced 0o3 awp ay; 3o Uolsua)xg •1anrej E 1°N iapua' ig aou11Eaglop !pasealag ;0N 1am011og 'ZI 0874306 414 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA -6A (VVY) (0005) 106allwy.0101r Page 11 of 15 Initia2rigreg., 35278609 [1965596] Form 3051 1/01 1.0 /l 140E wind 196449611 6098LZ4£ lepiu� f t to Z L abed 1 I0I0'MZIe90I Lo (9000) y9-- war •dnuealj IEluauiUOainug uE loj lapuarl uO uopapgo ,Cue awn pegs Uia.iaq Swq)ON 'ME'T !E)uawu0linug g)iM aaUepl000E UI SUOpae IEppawa' ,Clessaoau IIe wig) ,Cpdtuold !legs laM011og ',flessaoau s! ,C)Iadold agl 2upoa33e aouelsgns snoplezell ,Cue jo uopeppawal laq)o .10 Ienowal ,CuE Imp 'Sped alenpd ,Cue 10 ',C)poglne iCioleln2a.i 10 IEluawulana ,Cue ,Cq pagpou ST 10 'sum! 1aM011og !I •,C)ladold alp jo amen aqI spame ,flaslanpe galgM aoui)sgns snopeZEH e jo amp.) 10 asn 'aouasald aqI ,Cq pasnEa uopppuoo ,Cue (3) pue 'aouI)sgns snoplezEld Sue ,jo asealal jo lump IO asealal 'aaaetpstp tupxeal ,Cue '0) Iou Inq Buppnpup 'uop!puop IEluautuoslnug ,Cue (q) 'aSpaJMOwI !Enloe SEq ,IaMo11og goigM JO ME I IE)uawuolpnug 10 aaue)sgns Snoplezell ,Cue pue ,C)ladold aqI Supnl0nup Sped alenpd 10 ,Coua& CJ0)eln2a1 10 IEIuaU.iulanoS ,Cue ,Cq U01)3t 1R11)0 10 )mSMEI 'pump 'wimp 'UO1EgpSaAUI ,CUE (E) 30 a3p011 UaIlh1M lapua'I aAi2 ,Cpdwold ins 1a&o110g •(s)onpold lawnsuoo up saoue)sgns snoplezeq 'o) pa)pm!! lou )nq luppnpup) ,C)ladold aq) 3o a3Ueualutew o) puE sasn Iepuaplsal !mum 0) alepdoldde aq o) paz!u8o3al ,CIIelaua2 ale imp saoue)sgns snopluzeH jo sappuenb hews jo ,Clladold aqI uo aEJO)s 10 'asn 'aouasald alp of ,(Idde Iou !legs saoualuas oM) 2uppa3ald aq1 •,f)Iad01d alp 3o anleA aq) 939JJE ,Claslanpu IEgI U0pppUO3 E sa)Ea10 'aoue)sgns sn0plez1pl E jo aseajal to 'asn 'aouasald aq) 03 anp 'gotgM (o) 10 'uopjpuop IeIUawuo1IAua UE swan gDJIIM (q) IEIuawUO1!AUg ,Cue 3o uopeIOtn up Sp IEgI (E) ,C)ladold aq) 2U! Pa33E 2upg),fue 'op 0) asp au0,CUE MOIJE Iou 'op um pugs JaM011Og 'Spada)," aq) UI .10 UO `Saoun)Sgns Sn0p1EZEH ,Cue amp.) 0) wall) 10 `sa3UElsgns snoplezell ,Cue jo asealal l0 'amps 'jesodspp 'asn 'aouasald alp 1pwlad 10 asneo Iou Hugs 1aM011og •dnuealj IEIuaWUOIIAUg UE 1anp) aSlMlagJO 10 '0) a)nqu)u03 'asne3 LEO Imp u0pipuO3 E SUEaw „uOplpuop !E)UatUUOIIAua„ uE (p) pup :MW IE)uawU0JIAUg UI paupuap SE '1101)3E IEAOwa1 10 'U093E IElpawal 'uopoe asuodsai ,(ue sapnpup „dnueal3 I1)uawuolpnug„ (3) :uolpalold IE)Uawu0linua 10 )(pies 'wag 0) a)ela1 IEgI pa)EOOj sI ,C)1ado1d alp aiagM uo!plpspn f aqI jo SMEI p1E SMEI Ielapal SUeaw „Mw'J JE)uamuoliAug„ (q) :slepla)eUI anpa1Olp11 pup 'ap,Cgaplew1oj 10 solsagse 2upupi)uo3 SIEpa3Ew 's)uanJOS alp1j0n 'sapppglaq puE sapppsad olio) 'spnpold wnalollad opxo) 10 apqutuum I lap 'auasola)[ 'auplosa :saou1lsgns Vu!M011o3 aqI pue ME') IE)uawuo1IAUg ,Cq Sa3SEM 10 'S)Ue)nllod `Sa3UE)sgns Sn0pl1ZEq 1O 3JXO) SE pauuap sa3UE)SgnS aSOq) ale „saouE)sgns Snoplezell„ (E) :jz uopoas spg) up pasn sy •saouglsgns snop1EZEH 'I '0Z U011oas sup Jo suois!AOld UO!3E aA1p 11OO axe) 0) ,C)mn)IOddo pue aapou alp ,C3spes 0) pawaap aq !legs 81 Uopaas 0) IUEnslnd Jamming 0) uanpg uopelalaDDE 3o aopou ag), puE ZZ uopoas 0) )uenslnd 1aMO11og 0I uanp2 alno 0) AIpun)loddo pae uopelala3DE 3o appall atu,•gdeBEled spq) jo sasodand Jo algeuoseal aq 0) pawaap aq !pm popad amp) IEgI 'ua)1) aq u13 wipe u!E)1aa alojaq asd1la )snw gopgM popad awp a sappnold ME'I algeoplddd 3I 'WIMP anpoa11o0 wig) 0) aopoU gans 30 8UTA! 2 aq) 1a)JE popad algeuoseal E o)alaq Sled 1aq)o aq) papio33E pue g3Ealq pa2allp Bons JO (5T uopaas 3o s)uawalpnbal ag) q)pM aaueppdwoa Up uan12 aopou tons q)JM) ,t)1Ed laglo alp paJAou seq lapuai 10 1aM0110g gans !pun 'luawnl)suj ,flpnoas spq) '3o uosual ,Cq paM0 Amp ,Cue 10 'jo uolspnold Sue paq alq set ,C)111d laglo aq) leg) sa8alle leg) 10 )uawnllsul ,C)tanoas sup 0) )uenslnd swipe s,,Clled 1aq)o alp w013 sasple IEgI (ssep E 3o lagwaw aq) 10 wall!! IEnpinppup uE laq)pa sE) 1OpoE !Epppn f Sue 0) pautof aq 10 'U!Of 'aouamW03 Sum Iapua'l IOU 13MOJ1Og lagliaN •1asetpind a)°N aqI ,fq pappnold asJMlaq)o ssalun lasegolnd a)oN aq) ,Cq pamnssE Iou ale puE laapAlas ue01 lOSSaoons E 0) pa11aJsu11) aq 10 lao3AlaS 11E01 aq) g)lM UJE11101 IIpM 1 M0110g 0) suopeSpgo Suppnlas um! aSe )low aq) 'a)oN aq) Jo laseg0lnd aq) u1g) 1ag)0 Iaopnlas ueo'I a ,Cq paop aas sp 1E01 aq) la �3ealaq) puE plos si aloN aqI 31 lmo3Alas 3o IaJsuel) 3o aoplou E q)pM uop)3auuo0 up salpnbal 90T: 0 0872306 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. m 6A(WY) (0005).01 106a13wy.Ol01r Page 13 of 15 416 35278609 [19655961 Form 3051 1/01 60/4 I.4OE wJOd 9L ;o Pl. 06ed [96559611 6099LZ5E JaMOJJOg- (InaS) i2MOJJOg- (I JaMOJJOg- JaMOJJOg- (in s) (teas) JaMOJJOg- (IEaS) LIP NRJV3dS l INVIIIIM ‘717:)1 JaMOJJOg- (IEaS) JaMOJJOg- (IEaS) J to (s000) 1 sassaulIM II gijM pap.ioaaa pun JaMOJJOg Sq palnaaxa Jap►g fue uI pue auauanausui *noaS spy ui pautnpuoa spinuanoa pun sum) aya oj saaJge pun sadaaae JaMOJJOg 'MO'1 a ONINOIS Ag STATE OF WYOMING, Teton The foregoing instrument was acknowledged before me this by WILLIAM L SPEARIN AND ELLIN E SPEARIN My Commission Expires: 9/12/03 6A(VVY) (0005).01 106a15wy.0101r Page 15 of 15 418 County ss: 35278609 [1965596] Initial Form 3051 1/01 6uiuui5aq ;o auiod atf oa 'aaa; TT'80£1 tpnos aouatp 00'8LZ se3 aouaup 'aaJ LL'89T MnZT,T£oON aouauP '�aa; 99'TZI 311Z0,17Zo9TN aouaun :aa; LO'S£T '31SI,8fioLSN aouatt ;aa3 LT7'8££ 'auTT ufxoN pies 6uoTe '3uTT7,8So178N aoua1P „spxooaa DTTgnd JunoD uToouTrj auk ;0 09S abed 'lid 8Tr )IOOg uT 'TS9£S8 .zagwnN 86 ''d3S.6Z PaTT3 uoTQdTasaQ Te6aI 6uT DaxxoQ a flTI 6uT ;0a ;3V ziePT;;V" '1.1Q uT pagTaosep .A. aado.zd atf ;o auTT ATaatpaoN atf uT utod e oQ aa; 08'LZ6 tf.xoN aouatf !a@; Z£'Z9L M1I££,6Zo68S aoualfl fi /TMNZ /TN pies ;0 aau.zop Qseat;lnos atf 6uT3{xew puno; wawnuow W'IE ate; w01 Mu££,6Zo68S Qaa; 89 6uiaq ;uTod pies /TMNZ /IN pees 3o auTT 1 41 110 s al-1; uT TUTod e DNINNID3E :sMOTTO3 se pagTaDsap AT.zeTnoTq.zed axow 6uTaq '6uTwoI.M 'kkuno3 uToouTZ '14'd W' d Ll9 'M6TTE 'N9 £I i;Z uoT ;Das t /IMNZ /IN atP j0 uoi ;xod y (.3f ►►d TZgZgxj