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871982
This Mortgage SEE 800 FNO RT$* I$ Yphiti t r 9086429 Return To: WELLS FARGO HOME MORTGAGE, INC. 3601 MINNESOTA DR. SUITE 200 BLOOMINGTON, MN 55435 Prepared By: WELLS FARGO HOME MORTGAGE, INC. 1919 DOUGLAS„ OMAHA, NE 681010000 DEFINITIONS [Space Above This Line For Recording Data] 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 05, 2001 together with all Riders to this document. (B) "Borrower" is JOHN K MENTABERRY AND JO ANNE MENTABERRY HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is WELLS FARGO HOME MORTGAGE, INC. WYOMING Single Family -Fa 1ie Mae /Freddie Mac UNIFORM INSTRUMENT ®61WY1 10005) Page 1 of 15 (nitia VMP MORTGAGE FORMS -1800 5 41-7291 871982 MORTGAGE WYCM- 3051 -C -1 Lender is a CORPORATION organized and existing under the laws of THE STATE OF CALIFORNIA BOOK 11 RECEIVED LINCOLN COUNTY CLERK PAGEjal' 11 0 p ,2 _6 .1:,,q t, :tot KEMMERER, v'' +d f OM1NJ Form 3051 1/01 1 1 11 1 iii Du- �9 a [A31oads] (s)Jatpo JaP32I 1 itutrd b JaP! I autoH puooaS ddS32I zapun „mot aSeSuotu porta' Suriapaj„ e se Ajtignb lou saop uro'j 31113! uana „mot a2r uout palrjaz Sjirzapaj„ a o pirSai ut pasoduu WE 1e111 suopoulsaI pus sluamalnnbaI jig o1 stap.' „ddSd2I„ `luaumJlsui'ilj.znoas sigl u! pasn sy •Jamul loafgns autrs at!” suzanoS 111111 uopejnSaz Jo uoilrlsiSaj Jossaoons Jo jruoptppr Sur .to `aural 01 aural utol3 papuatur aq lggtui Siam sr `(00S£ 1Jed '2I'd'D 17Z) X uotlrinSag `uopejn3a1 Sutluauzaidutt sit pur (*bas la !09Z uotloaS •Y°S °fl Zt) lod sainpaooid luautaillaS alelsg !rag am suraut „ddSau„ (0) •luaumJuuj Alunoag stip jo uopoaS zapun siunotur Cur snid `aloN aqi Japan isazalut pue jedpuud (t) J0J anp lunotur painpagos Suejn$aJ aqi susaui „luauded ajpoiaad„ (H) •uai aqi `uo 11nrJap io `3o luauarduou aqi lsutrSe .zapua' j Supoalozd aourznsut swam „aaueansul age3laoik„ (N) •SuadoJd ag13o uo111Puoo .to /pug anign 3141 `o1 se suotsstu10 J0 `JO suouuluasazdaistut (Al) Jo :uotlguutapuoo Jo nail ut aous,ianuoo (HO `Auadotd OM 3o ued Cur Jo 11e jo Suplrl zaglo JO uopguuiapuoo (ti) :Suadozd 3141 `3o uoponzlsap Jo `o1 aSeui p (t) :zoj (S uopoaS tit paquosap saSrzanoo alp .iapun pied spaaoozd aourinsu! uegi aaglo) Surd pzt111 ICut mud spaaoozd Jo `saSguiep jo !pans luautajnas 'uotlrsuaduzoo Slur swam „spaaaoad snoauniiaasuk„ ('I) uotloaS ut paquosap azr legs smolt asogl susaut „sivall Moaasd„ (N) szaJsUEJ1 asnot2uuraio paleutolne pue `szajsueJ1 aztm `auogdajal palrtltul szajsuuu1 `suotlorsue u outgo= 1a1ta1 paleutoine `szajsur11 airs jo-lutod `01 paltuit! iou st lnq `sapniout uual gons •lun000r ue 'man zo map o1 uotlnitlsut jetouruil s aztzoging Jo `1onJlsut `Japzo 01 sr os adrl 3t1aUSgut Jo `zaindumo luauin.usut otuogdajal `jeutuua2 otuo1loaia us g2noigl palsptut st gojgm `luaumalsut zadgd Jgltutts Jo 'um' Vago �Cq paleutStzo uotlorsurii s uegl Jagmo `spunj 3o Jajsuezl iiue suraut „aaJsueJZ spund aiuoalaaid„ (r) uopsztuESzo Jgitutts Jo uoprto0sse szaumoauloq `uotletoosss uintutuiopuoo s Sq Spada'," am Jo 1amo.uog uo pasodtuu air 1eg1 saSJggo Jag10 pUr sluatussasse `sag. `soup jje suraui „sluautssassd pun 'saag `sang uollejaossd ,fliunuiiuo)„ (I) •suotutdo irtotpn[ajggigadds -uou 'mug ajgeotjdde NE se !jam se (M E1 30 10ajpa alp ant! imp) s.iapio pug saitu antlenstututps pue saoueuipzo `suollrinSaz `sa2n2e1s moo! pUr aims `jpzapaj aigrotidde 2utiio.1luoo 1111 sueaut „Me/ ajgeajiddd„ (H) [aigeotjddr se xoq vow] Jamo1JOg palnoaxa aq 01 an slapr Sutmoiioj aq j •zamo1JOg Sq palnoaxa ate 111111 luatu ulsuj 'iliznoaS s1111 0l szaptg !le maul „saapjg„ (9) •15azalu! snid luauuulsuj iil!JnoaS stip Japan anp sums lie pus `a10N alp zapun anp saSJ11go ale! pue saSzrgo luautiCedazd Cur `lsazalut snid `a10N 3141 iCq paouaptna lgap 3141 small' „ueol„ (g) XUadozd alp ui slgSI)i jo z3Jsu1JZ„ Sutpeaq 3141 Japan mojaq paquosap s! 1eg1 AUadozd alp suraut „,Claadoad„ (a) T E 0 Z 'TO HOl i ug111 Joie! um !!u3 ut 1gap 3141 iird o1 pue sluaui/fed o!pouad Jejn201 ui lgap sup /Cud o1 pastutold s11q JaMOJJOH •lsalalut snid( 0 0 0 0 0 S L Z S' f1) siejjou OOT /00 QNYY amvsnoaS $1123 A,LNISA2S as amna OM.L Japua1 samo J3MOJJOg 111111 sal11ls a20N aqs t00 Z 'SO ROHM Pal11p pug .amo1JO1I Act pus 310u £iosstuiozd alp suraut „aloN„ •luaunuisui'iliznoaS s1111 Japan aagRSuout ag1 st Japua'l LETS90EOS VI 'SZMIOR SZQ 'LETS XOS 0•d stssazppes,Japua7 5 L 40 Z abed (5000) (AM)9 Japt2I luautS11d ,iplaamtg Japig luatudojanaU 1!ujl Paid zaptg uintutu1opuo3 J VA zapt)i 11001tsg JaP! 1 3111)1 ajgelsn[pd (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] SEE ATTACHED LEGAL DESCRIPTION TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, INC., P.O. BOX 5137, DES MOINES, IA 503065137 cel ID Number: 0060 which currently has the address of 3 4 ELKHORN DRIVE [Street] ALP NE [City] Wyoming 83128 [Zip Code] "Pro erty Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this ®6(WY) (0005) Page 3 of 15 563 Form 3051 1/01 LO /L L90£ WIOd 17 9; 5 L ;o q eBed N5o001 (AM)9 112) slunotue ant `alquiced v1anM pue uagm `Ajioastp )(ed Huns s0M0110g `aantem nons ;0 Juana am ill •gutlum ut aq iijuo Amu lanrem lions Aud •aurti Aug le small mososg HE Jo Aug so; spun,' iapuaj of lied of uottv2tjgo s,s0M0u0g anrem item .tapua-I •sulau M0sosg jje so CUE so; spun,' 0141 Aed of uotlegtjgo s,10MOJ1OH santem sapuag ssajun small mama s0; spun,' alp lapuarl iced Hens lamoslog •uotloas 51141 sapun peed aq 01 sumo= 3o saotiou jje sapua' 01 nsttun; ,fjiduosd jjegs 1amofog •m01I mama ue aq pens sivamssasse pile saa; `sanp lions pile `1amg11og Aq paM010sa aq `Aug ;t `sivamssassy pug `saad `sang uottetoossd Mtununuoj min annbai sapuoi `ueo -I am jo tulai a141 guunp amp Cue le io uotleutguo ill small Molosg„ paljeo axe small asatu *pi uotloas ;o suotstnosd am tjltm aoueps000e ut summand aoueinsul agegi.tow jo tuaumied atji jo nag ut sapua-I of .tamofog Act ajgeked sums Cue so 'AM ;i `smntmatd aotrelnsul agegisoj (p) pue `.S uotloas .pun iapuarl pa.ttnbai aoue.tnsut jle pue Aug so; suzntuatd (o) Cu ;t `Alsadold am uo sluai punosg .10 sivau/fed pjotaseal (q) :Alladold atji uo aoue.tqunoua .ro uan E se luatutulsul Animas spy nano /Cluoyd utelle ilea not14M swan 10141() pug sluamssasse pile saxes (e) :so; anp slunotue ;o luaui(ed so; aptnosd of „spun,'„ agi) uns v 'HT ut pmvd st aloN am pm `aloN a141 sapun anp are s1uamIfed otpouad /Cep am uo .tapuag 01 iced pugs namollog •stua;I moans,' a0; spun,' •sivatuiied otpouad 0141 ;o lunotue 0141 aguetjo 10 `alep anp anp auodisod so puma lou pens a10N agi sapun anp jedtouud 01 spaao01d snoauejjaostlt .to `spaaoold aouelnsut `stuau,Cud ;o uotieotjddv �(ud •aioN am ut paquosap SE uatll pue sa ngo luawAedald Cue 01 is.tt3 patjdde aq liens maul/Wald Aniunj0A anp saglvgo aiej Cue 01' patjdde aq ,(Em ssaoxa nons `sluautAsd otpouad wow .to auo ;g luatu)Ced ljtt3 atll 01 patjdde st ivatur ed am .ta13e slstxa ssaoxa Niue lets ivalxa am 0Z jjttj ut pied aq ueo luatu,(ed nova `1v141 luaixa am 01 pile ;t sivautiied otpouad ag1jo luaWiCeda1 alp 01 1amo.uog wog pantaoas luaU1fed Niue Ajdde Dieu aapuag `gutpuetslno st luaulAEd otpouad auo ueit atom ;I •a21Ego am all pile luamXed luanbutjap ant 01 patjdde aq iiem ivatu&ed and `anp ag1ego awl Niue pied 01 lunotue luato1J;ns E sapnjout noNNM 1uau1!(ed otpouad luanbutjap a so; .I Mossog uos; luatu&ed a santaoas lapuai 3I •a10N am jo aouejeq jedtouud and aonpas o1 uagi pug luatutulsul Alunoas stns sapun anp slunoure sanlo AUE o1 puooas `sagseno awl 01 1SSt patjdde aq pens slunotue Am/ •anp atueoaq 1! got14M ut saps0 an1 ut luatu/ed otpouad noes of patjdde aq pegs sivaW1ied tons uotloas sapun anp sumo= (o) `.a10N ant sapun anp jedtouud (q) `.a10N 0141 sapun anp lsasalut (E) :Aiuoud ;o sapu0 gutmojjo; ant ut patjdde aq pegs sapua'I Aq patjdde pure patdaooe sluamAed Ise `Z uotloas st41 u! paquosap asimsagl() se 1daoxg •spaaaoad .10 sivam,ied ;o uotivatlddd •z luauttulsul Jiltsnoas stns r(q paanoas sivatuaa1ge pile slueuanoo 0141 guttuso ;lad so luatuntlsul Atunoas Sigl pile aloN 0141 sapun anp s1uatuArd gunjem mot; .tamonog anatjas pegs Japuai isme$e 0114114; ant ut s0 moil alien 1n$lui 10M0110g 14otgM utejo so ias33o oN •annsojoas(); 0l soud Ajoletpatuun awl and sapun 0ouejeq jedtouud gutpuetsino atjl 01 patjdde aq !pm spunj nons `nansg0 patjdde 1ou 31 •samoss0g 01 mans tunlas no spun; nous Ajdde sanita pens sapua-I `aup ;0 pound ajgvuoseas E ut141IM os op mu saop samossog 31 •luansno tteo-I agi guuq of tuaWd(ed salmi aamo.uog piun spunj patjddeun tons plop Amu sapun' •spunj patjddeun uo 1sasalu! /Cud lou paau sapuOZ uagl 'am) anp pajnpanos sIt 3o se patjdde Si 1uaW,Ced otpouad 113e0 ;I •p0ldaooe ase sivatuAEd lions amp aqi le siuou,ied nons Ajdde 01 palegngo 1ou st sapun -1 inn `asnln; o p ut sluau/Ced jetued s0 luauiCed Bons asnjas o1 s1ngt1 sit o1 aotpnfald 10 sapunasat sUjgu iiue 3o santem inogIIM `1uauno ueo7 am guuq 0i ivat3g ;nsut luauiied jetised 10 1uaWiCed i(ue idaooe Aeu sapun -I manna ueo7 agi $uuq 01 luOtog;nsut are sivatuAed !rpm! 10 1U0LU Ed 0141 ;t 1uamAed Ienned so luatuAed Cue imp.' feu sapua7 •Sj uotloas ut suOtstnOld aotiou 141!M aoueps000e ut sapuO'l paleugtsap aq Diem se uotieooj 101410 tons 1E 10 aloN ant ut paleugtsap 11()I1EOOI am le pantaoas uagm sapuag pantaoas patuaap ase s1113111/fed •sa;sireJZ spun,' otu011oajg (p) 10 :,Cu1ua so `Iiinematutuisut `r(ouage jesapa; e �Cq pasnsut ase sitsodap as ()nM uotinitisut TIE uodn uMV1p st ijoano nons true paptnosd `rano s,latnseo JO 3joano s,lalnseall 5j00113 ajueq `)()olio pagtuao (o) `saps() e(auoW (q) :goo (e) :sapuo- ,Cq patoajas se `sung; gismo loj am 3o wow so auo ut apetu aq luamnnisul Attsnoas still pile atobj ant sapun anp s1uaWAed luanbasgns jje 10 Jitre legs almbal Diem lapua `ptedun napua• i 01 pausnlas st luatutulsul i(lt1noas cly.,4 ir-� .rt�,:• 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 and concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 6(WY) i0005) Page 5 of 15 565 Form 3051 1 /01 L0 /L L50£ WioI j 9 G !ul 9 L 40 9 e6ed (9000) (AM)9 CS) 111M `anp uati 1OU 10 .1aglagM luauzn.ilsul ,(i slip Aq pamoas sums alp 01 pallddu aq hugs spaaooid aoueinsul alp aq mom Aiunoas s,iapual Io aigisea3 AuEonuouooa 1011 si it dai 10 uopuJoisa.t aqi 3I -.miming 3o uotfatjgo alos am aq Hugs puu spaaooid aoue.1nsu! aqi 3o ino pied aq 1ou !Tuts 10MO110g .iq pauteiai `sauied pi saglo .io `siaisnfpe oiignd io3 saa3 •spaaooid gons uo s2utuzga so lsazalut Niue aamonog /fed of paimbai aq IOU !legs .1apua^l `spaaooid aotreansut gons uo pted aq of Isamu! saunba.t M01 aiggollddd 10 $u1fuM u! apeut s! )uautaaa u ue ssajun •palaiduuoo s! )poM aqi se sfuatuAud ssa.igoid 3o sauas g u! 10 luatuiigd aj2uls a uu uoueiolsai pue snedai a p Jo3 spaaooid asangsip iapua-I •Apdtuoid uwIeitapun aq !legs uopoadsu! gons iegl papinold `uouoejspus s,.tapuall of paialduioo uaaq set! )lzoM aqi ainsua of Icuadoid gons loadsu! of ,iflunuoddo ug peg set iapua-1 !pun spaaoozd aouemsu! gons plot 01 242!1 at1 aim! !legs 1apuai `pound uopeIOlsaJ puu .nngdai tons SuunQ •pauassa! IOU s! Animas s,.tapual puu aTglsea3 ATleolutouooa s! J!Eda.t 10 U011P10isaa 041 3i `Auado.td a41 3o .nedat ao uoI1EIOIsat 01 patldde aq !legs `aapua-1 paimbai sum =Irmsu! UIJilaapun atf lou 10 00920tH `spaaooad aoue1nsu! ,foe `21111IJM U i a0au aspMaatio 10MO.uog pug iapuai ssaJun °nitwit% Aq iilldtuozd apuut 10113! sso! 3o jooid 03Tgtu iinw .iapua-1 •.1apual pug .I0i1ze3 aouemsul aqi 01 03l1OU 1dt110id MTV .1amouog `sso! 3o foam my ul •aa,ied sso! Iuuoptppu tte se .10 /pue aa2e2uotu se .1apual aUI U !lugs pue asnelo aSauotU p.Iepuels a apnlou! !lugs ,Coiod gons `Xuadoid 041 `3o uononiisap zo `01 aSetump Jo3 `.iapuarl ,iq patntbai asIMlatlo IOU Wunnoo aoue.msu! 3o Uu03 AUU sutelg0 .IaMOZZOg 3l •saopoU l0Mauaa puu smnnna.id pled 3o sidtaoa.I I!n iapuai 01 antW Alldutoid !legs .Iamouog 'sannba.t Japua-1 3I •safeogluao luMauai pug saioiod at{1 plot 01 11 t1 atf ane4 !lets iapua-1 •aaAud sso! Iguoii1ppu LIE se so /pug 00galtout 50 zapual atueu !legs pue `asnep a2e2uout plepuefs 0 apnpu! hugs `saptlod gons an01ddeslp 01 1112u s,.tapua-1 01 loafgns aq !legs satogod gnus 3o sloMauat pure .iapual Aq pa.tntbaz salo!!od 0oueznsu! !!d •luatuAed 3ulisanbat .Jamortog 01.Iapua-I tuo.tu aopou uodn 'Isamu! tons qiu `algeAgd aq !lugs puu luautas ngslp 3o alup ati uuo.1u Diu a10N am 10 Isamu! .reaq hugs slunouuu asaq,l, •luatutulsul Aumoas sup pamoas Jamouog 3o !gap leuotlIppe autooaq !p is g uolloas sell 1apun sapual Aq pas ngslp siunotuu Am" •pauto qo aneq pinoo Jamouog lutp aou unsul 3o lsoo 041 paaoxa Ajluuoupd s 1g21ut paulelgo os aSgtanoo 03tminsu! a41 3o lsoo 0141 luti sapaimoto ou iamonog •100330 111 Aisnolnaid sEM u1E111 02uz0n03 .zassa! 10 mead apnold igStut pug Il qu!! 10 piezet `)1su Iiuu lsupe& `Auado1d am 3o sivaluoo am Jo `Auado .1d agf ut iCflnba s,lam0.uog `.taming 1oa101d 1011 itplut .IO iq nu lug `Japuarl ianoo !lugs a2eiano3 tons `a.Iojaiauj •a2oianoo 3o lunoure a0 adAi injnotuud Niue asetloznd of uollaHgo ou 1apun s! iapual •asuadxa s,.IOMO.uog pug uoudo s,iapua^l io We.tanoo aoueznsu! uioigo Aeuu .Iapua 1 `anoge paquosap sa unnoo at1 3o !Cue tuviti gut 01 WI J0M0110g 3I '.10M01.1og cCq uopoafgo uo Ut033 uoliuutuualap auoz poo13 3o Matnat at1 gum uolfoauu0o ut A3u05d IUatua2OUOJA ,Couazatug le.Iapag agi Aq pasoduu! saa3 Cue 3o ivatuAed ati .zo3 ajgisuodsa.i aq Osie hugs .I3M0110g •110t1u0gt1103 10 uotlgu!uuaiap tons 1oa33e 142!UI Aiquuosea1 goiiM moon sauggo .re11UIIs 10 duldduutat atoll toua sagxeto luanbasgns pu0 saotn1as uotigogtuao pue uopuu1UUalap auoz pooj..IO3 021040 atop -auo o (q) 10 `saoln.Ias 2u!Xoull pug uoiiuogivao `uotlgu1uuaiap auoz poo13 103 amp atutl -auo o (o) :tamp `ueoj sell tl11M uolloauuoo u! `,Cud o1 1amofog aimbat Aeut Japual •,Clgeuoseatun paslo1axa aq 1011 ITegs 14211 4otgM `aot0go s,1amo.uog an0lddeslp o1 1g2p s,1apua'l 01 loafgns 10m011og uasogo aq hugs aouemsu! ati Sulpno1d 10u1eo aoue1nsut ata •11001 agf 3o uual agi 2uunp a &ueto ueo saoua1Uas 5ulpaoa.Id at1 01 luens.tnd sannbat lapua -i fugM saamba.t 1apua1 ietl spouad ati 1o3 pug (slang! algllonpap '5utpnpul) sumo= aqi u! pa1lgluteut aq !legs ammo! spn •aoueansul saunbal lapuarl gongm 1o3 `spooi3 pug savnbquga `01 pafltull lot lnq `rutpnlou! spiozgq 10t 10 Cue pug „We1anoo papuaixa„ tu.Ial agf UIguM papnpu! sp ozeq `gig iCq sso! isule20 pamsu! iivad01d 011!1 uo pafoan 1a13ga1aq 10 2u1islxa Mou mama/imam agi daa31 !legs 1amofOg •aougansui ,ifaado td •s •1100l sup g11M uolloauuoo u! 1apUa-1 Act pasn 0oIAlas 2utuodai 10/pue Uotleoguan x01 alelsa Teal a 103 amp 04Th -auo o Cud Ol IaMO.uog annbai Amu 1apu0i j7 UO11oas siy uI anoge quo3 las suoIloe ag13o afoul 10 0110 0)!01 10 1101! atf /Spun Hugs .IaMO.uog `u0nl2 Si aopou 1041 totgM uo alep am 3o stir!) pI Intwm -110!! 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 ®61WY1 (0005) Page 7 of 15 Initial /Form 3051 1 /01 5 G 7 10/1 1.90£ uncY 9 111111/1 gip) g abed 150001 )AM)9 •pun3aa Aus o; aamomog al ;t ;ua ;ou !pm Amp puu 'aausansui 03113 ;aom! ao; amo !pm Jamoaaog ;unouze aq; 08alau! ;ou !!!At s;uautaaaau gang •usori aq; Jo Stuia; aaq;o Auu JO 'aauu msui ags3 oytI in; Awl o; paaaae suq iamoiaog lug; s;unotuu aq; ;aa33e ;ou !pm s ;uauiaaaau Bans Auy (u) :lamina „•aouglnstIp1 andidgo„ pautlal ualjo s! luatuaue= at1 `lainsul am of pled sumnuaid am Jo antis g 10J attegoxa u! 'pp s,1alnsul amt Jo antis u Sallm lapual 3o alullt,JJg uu 11141 sapiAOid ivautaaag mops 3I .lasso! Sul0npa1 10 `Isla s,1a1nsul ae2t.tout at1 SupiJIpout 10 2ut1e4s 10J 0Suutaxa u! `a0uuunsul ae3lioym .o3 swam/cud s, /0mo11og jo uotuod u (su pazpai0e1ug0 aq lggnu /o) mu anuap temp slunoutz (Spoaalpui 10 AIl0altp) antaoa.t Agut lulo2aloj amp jo Aug 3o apgtjtjJg Aug 10 `Altlua aam10 Aug `1alnsulai Aug `1alnsul lagpoug `aloN amt jo aasggo.md Aug `lapua'l `sluatuaaag sip jo llnsal g sy (sumltuaad aouginsul aauoysI 14013 pauleigo spunj apnloul Amu gpimm) ay:wp ng am( Aunt aaansut aauout amp limp spunj jo aomos Aug gulsn smamAgd a}Igtu of 1alnsul aauout a4p annbal Agut siu0tuaaAu asogi •sivautaaiRe asagt of (salugd 1o) Augd 1at10 amp pug 1alnsul aau0ut 0141 o1 AiofoeJslfus 0111 Imp suolltpuo0 pug swim uo a1g sitiamaaag asata •sassol aonpa1 10 `)Isu 1I0111 A3iPout 10 alums legs sallagd aa gllm stuatuaaag mu! lama hut pug `atull 02 amp 1.11013 0310) Ut aauernsul lions Ili uo >js11 111201 "tamp a1unlgna s1aansut a �e�uoy�l •aoug1nsul a attow ati of Augd g iou sl 1amo11og •paa /fig se ueoi 041 Aeda1 lou swop 1am011og 3! _mom hut 1! sassol uteuao 103 (aioN amp saseg0md igml Attpua Aue 1o) /apuarl saslnqutlat aoueansul ag2uoj •a10N 0qi ul papinoad aful at p 111 isaaaiul ,Cud of uotpatlgo s,lamo11og sioa33g 0! uopoas snp ul •ME1 algeollddd Aq paunbat sl uolpgumual !Run 10 u0pguluuap tons 103 2uipinold lapua'l pug lamo/1og uaamiag luautaaau uallum Aug mf1M aout:pa000t: ul spua aouunsul aauoysl 103 matua11nba1 s,1apual (pun `anlasat ssol algepunja/ -uou a apinold 01 10 `1400330 ut a)ug1nsui aalloys utetum= 02 pailnbai stun amp Aud 11111415 .amo110g `aaug1nsui a gStIO 10j sutnlutaad aq1 p /gmo1 sluaut:Cud palguglsap AI01gJedas 02 paalnbaa sum 1amo11og pug ue01 atp $uptem 3o uolllpuoo a Se aoug1nsul aauoyv pannbat Japua-j 3l •aouu1nsul aal1ow 103 sutnlutaad amp plumo1 stuaum /ud paieu2lsap Alate1udas sattnbaa lapual puu `pauleigo s! `alggllung samooaq utm& lapuai Aq pat0alas lamsul UE Aq paptnold (sallnbal lapual lgml pouad amt 103 pug mourn 0141 ut) 0Selanoo aoue1nsul 0 auoyJ 3I sfuatuAgd anaasa1 ssol annbat _taut)! ou ugo 1apua-1 •oMMasal ssol ions uo ammo 10 isaaalul Aug 1amonog Agd of pallnbat aq iou Nets aapuo l pug ul mud Alaletullln sl ueo'l amt leg/ toga amp 2ulpuelsgltmlou `alqupunjal -uou aq huts anlasal ssol lions •aouuansul a vVIJoyq jo natl ul anaasal sso! alqupun301 -uou a se s2uoutAgd alarm utela1 pug asn `lda00e !pm lapuo' •f0a33a ut aq o1 pasea0 au.anoo aotte /nsut amp uagm anp OJOM 1gtI1 sIUantAed paiguSlsap Ala1u1udas 014130 1UnOUte ail aapua-1 01 AEd o1 anupuo0 pugs aamoaaog `Olqultung 1011 sl am/too aouulnsul aalaow 111alunlnba Allglpugisgns 3I lapuaTl Aq paioalas aaansul auguout algulallu 14111 wog `toa33a ut Alsnolnald aouulnsul agallow agf 30 10m011og 01 ma amt 01 lualunmba Allultuglsgns 1500 a le 'papa ti! Alsno!n01d aouu /nsui a$auoysj am 02 fualunmba Allupuglsgns aglanoo umigo 01 pallnbal sumttuald 0141 Agd hugs 1amo11og `aouginsul &alloj .o3 smnttuaid 0141 premop sluatuAed paleu2!sap Alalg1gdas wpm o1 pallnbat sum 1amol.Og pug aouumsul "Hans papt■old Alsnoptald 1gtI1 aamsul aau0ut am w013 algglleng aq of sasuao aapuarl Aq pallnbaa aulanoo a)ue1nsul aauoyAI amt 'wow Aug 103 `31 '100330 ul aouRmsul aSauoyi 0141111glulgtu o1 pannbai stunlutaad 0141 Agd pigs 1am011og `ugol 0141 2unlum 30 uolllpuoo a se aougansul a r2uoysl p0 /Inba1 1apua-1 3I •aauuansui aguS;.toly •0T Iuluam ut 10110111 alp 01 saal& lapua' ssalun Amu! 1011 (lugs 01111 aa3 amt puu plotlasual agf `Auadoad 0141 01 01111 003 sa11nbou aamo1aog 3I .areal alp 3o suolstnold 0141 Hu pm Aldtuoo !lugs 1amo110g `plotasual a uo st puautnllsul Ai!moas 5!141 3I luauagd guusanbai .amo.1o11 01 lapua-1 uto13 0011011 uodn `150lam! ions tp!m 'alquAEd aq hugs pug tuautas1ngslp 3o alup 0141 tuo /3 01111 aION 0141 le lsaaaful /eaq pigs slunoutu 05014, •luatun.nsui AlunOas 5142 Aq pa1noas 1amo11og 3o !gap Ieuotllppu atuooaq hits 6 uolloas stt1 lapin aapua' Aq pasingslp slunotug Aud •6 uolloas siml .spun pazpo4ing suopou IIg 10 Aug $uprel iou ao; Allllqull ou sm0u! aapua•l 1gt(1 paa1$g s! fl •0s op 02 uOilallgo 10 Amp Aug 1apUn 1011 Si pie os op 01 ang14 1ou saw lapual '611oltmas s1141.apun u011og a3Ig1 Amu lapuarl 4ffnoglld .330 10 uo mum salptllln aim! pug `suoptpuoo sn0lauep s0 suolpglo!A apoo 10420 10 2ulpltnq aiuuluttla `sadld wag /alum utulp `smopulm pug sloop do pluoq so azuldal `spot amp `s /ludal aaluut 01 Auadold alp ul1alu0 `01 palltut! 1011 sI lnq `sapnlout Auadold amp 2ulan0as iulpaaaold Ao2dn/nluuq u ut uoplsod pam0as spl 5utpnloul luatun.tlsul A111n0as slip /spun s1g21110/puu Auad01d alp ul lsaaalut s1l lOalold 01 saa3 ,sAaua0lpu s IUD 0 ©®6(WY) (00o5( Page 9 of 15 (b) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied 'to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. Initi 56 9 Form 3051 1/01 I.O /L LSOS WIOJ 0L 91. 3O 0 L eBed 4 190001 (AMI9 ots) •luamtu1sui AulnoaS sill ..iapun luatuarInbar 3utpuodsauoo ail A3siles !pm luatualtnba1 Mr'i algeotlddy am 'MW algeotiddy lapun parmbar osir st luatutursui Arpnoas sup Aq paimbar aotlou AIM ji •.apua-! Aq pantaoar AiIrnloe !pun lapual o1 uani3 uaaq anrq of patuaap aq IOU !lugs 1uotunu1su! Altmoas sup gltM uotloauuoo ui aopou Suy •10M011011 o1 03I10u Aq ssaippg =pour palrU3isap seq lapual ssapun uta1at palrls ssaippe s,Japual o1 !tEU1 ssglo mu Sq 1i 3utitrtu Aq .ro a 3uuantiap Aq uant3 aq Begs lapua- of aotlou Suy •aunt auo Stir 1r luauuulsui SlunoaS sup .spun ssaippr aotlou paleaisap auo /quo aq Amu araq,I, •ampaoold pagtoads 1Etp g3nonj ssa.ppr jo a3uetp E 11oda1 Auto ilgts 1amonog uagl `ssalppe jo a3uego s,lamonog 3u9uodal 1o1 ainpaooid r satltoads lapuari 31 •ssaippe jo a3urto s,.raMonog jo .1apuai A3jiou Apdtuold !tugs .ramo.uog •.iapua-i or aotlou Sq ssaippr aotlou a1nuisgns E palEU3isap set .raMo.iiog ssaiun ssaippy Auadold am aq !tugs ssaippr aotlou aqy •as1Mlatpo sarInbat Aissaidxa Mel aigeotiddy ssalun siaMO11og IT or aotlou alnlilsuoo !tats 1amo11og auo Sur of aotloN •suratu Jaglo Aq was 3i ssaippe aotlou s,1aMO.uog o1 paranilap A!lenlor UagM 10 !taut sselo 15113 Aq pap= uag• 10M0110a 01 11043 uaaq anEq 01 1:100tu00p aq hags fuatunllsuI S1tlnons sup 111!M uotloauuoo ui 1aM011og or aotlou Suy •3upum ui aq lsnui luatunllsui A1unoas sup g1UM uotloauuoo U! .apua'I 10 1am011og Sq uant3 sao!lou Iii! •saai1°N •Si •a31gto1ano tons 3 1n 3u!s!JE aM1t 1g3itu 13M011og U0113E JO 114311 Atte 10 1antEM E a1n1t1SUOO !JIM JOMOIog or mail rd 1oa1ip Aq op= puma! tons Sue jo aourldaoor s,lamo11og •(a10N am .iapun .ro3 paptnold st a3nego fuatuSedaid r 1011 10 iatlaiim) a8lrto luatuArdald ,Cur lnotptM maul/Ward !riled a sr Pamir aq !pm uotfonpa1 ail ledtouud saonpar punJal r 11 •1aA%0110g o1 ruatu ed roam) a 2upieui Sq so a1oN a I1 .spun paMo lediouud 3141 3utonpa1 Sq punjar sits a}letu o1 asooto Artu JapuaJ •1amo11og o1 papunja.r aq !I!M slituil pallitulad papaaoxa tot4M 13M011Og 111011 paloaiioo Sprang sums Sue (q) pue :rum! pa11!ULtad 3111 of Aiello ail aonpal or Slgssaoau lunotug at1 Aq paonpai aq !juts 031E113 tuE01 tons Aar (r) .uat1 `squill pall!uuad alp paaoxa trro1 am 1 1!M uotloauuoo ut paloalloo aq o1 10 paloalloo sa31eto mot 1at10 so 1sala1U! am Imp os palazdralut S!lrug st Mrl rum pur `s031Eto uro! tunutixrul slas toitm ME! r of loafgns si uro•1 at11I algrogddy Aq 10 luatunllsu! Afunoas sits Aq paligigoid Sissardxa a1r imp saa3 amp 1ou Amu lapuaj •aa3 trolls 30 3ul31ego 3111 uo uopigtgoid a se parulsuoo aq 1ou !jEts J0MOJJOH 01 aa3 oupads r amp or IUatunllsu! Au1noaS sits ut Aluoglnr ssardxa jo aouasge 3141 `saaj ratio Sur or mat u! •8333 uoi1Enien pue uoiloadsut Auadold `saa3 ,sAatuollg `01 palm!!! 1ou lnq `311tpniou! luatunlnsu! Alunoas sup .iapun s1g3t1 pur Auadold ag1 ut lsaralu! s,Japua-! 3utloafold jo asodlnd 3141 1o1 `1lnepap s,13MO.uog t1!M uotloauuoo ut p3uuo31ad saopuas 103 Saa3 13M011Og a31E43 AEU! 1apu37 •saSar43 uro1 •P1 •lapua-! 3o su8Is5E pur slossaoons 3111 fgauaq pue (0Z uopoas ut papino.id sr ldaoxa) putt !lets luatun.ilsuI Aulnoag sttl jo 51U3tua313r pue s1Ueuanoo atl •3uuum ut amp.' lions 01 50013E .1apua•1 ssalun luatunllsu! Auinoas sits .spun Arum!! pur suoilr8ilgo 5,1amouog u1o13 pomp.' aq 1ou !!1148 13MO110g •luatun115uI 1! S sits lapun sfgauaq pug s1t$tu s,1am011og jo !Tr ui1lgo !lets `lapua1 Aq panolddr Si pue `3ut111M ut luatutuISui A1!moaS sits 1apun suope8iigo s,10m0110g sauinssr O4M 13MO11og JO 1831011.11 ut 10SS33311S Atm `81 uoilo3S 3o suots!nold ail or loafgns •luasuoo s,1aU3is -oo am lnotl!M a1oN at1 10 luatunllsui A1tlnoas sit! 10 stulal alp or p1gaa1 it suotlgpounu000r Sur 3)!1114!1 10 1rag1oj `A3ipoui `pualxa or 3318r UE3 1amo11og 1a410 Aue pue Japua i 1E41 8331311 (3) pug `.luauuulsu! Alunoas sit! Aq pamoas stuns a41 Sed o1 palg8tlgo A!lguoslad 1ou s! (q) :luatunllsu! A1tlnoas sip to stulal 341 lapun Auadold alp ut 1sa131U! s,lau8is -03 341 Sanuoo pue 1t1E18 `33e8110tu o1 A1uo fu3tun11suI Altmoas sits 3uiu8is -oo si (e) 13u8!s -oo„ E) aloN am alnoaxa 1ou saop lnq 1uotutt isuI AlunoaS sits su8is -oo 04M 13MO11og Aur `1anaMOg •JElanas pue futO[ aq 1t1ts Aug!! pug suoIIE3ilgO s,lamoirog 1Et1 83313E put s1UEU3AO3.13A0110g •punog su3issy pun saossaaans :slau3is -op :Allligen Igaanas pug 3U!Of •£i •Apawal .10111311 Sue jo 381313x3 am apnioard 1010 lant1M r aq 1ou Hags `anp tram 1un0tue 3141 tir ssal slunotue u! 10 1amouog 10 1sa1a1u! ut sIOSS33311S 10 satlilua `suoslad limp wog sluatUTArd 3o aourldaoor s,lapua1 `uotlelitut! fn0tlim `3utpnlout Apawal 10 14311 Sue 3urstolaxa u! 1apual Aq 33U111raglo3 Suy •1aM0110H JO Isamu! ut slossaoonS Aur 10 13M0110g lrui8uo am Sq aprm pugulap Au1 JO unseal Ag luatunllsui A1ilnoas sltl Aq pamoas stuns ag13o uoilezillouie Amour as1Mlatlo 10 1110tuAed 103 awn pualxa o1 amp.' or 10 1aMO11og 10 353131u! u! lossaoonS Atie lsute8r 53utpaaoold 0311011111103 01 palinbai aq 1ou !lets 13pua7 •1amo11og 10 1sa13m ut slossaoonS Stir 10 13MO11og 10 S1tllgeil a41 asralal 01 a1E1ado 1ou Iletis 1amouog 30 Isamu' u! lossaoons Aue 10 1aMO11og o1 1apu3'i Sq p31ue181uau1n11su! Alunoas sup Aq pamoas sums at13o u0tlrztuotur jo uotlroplpoum 101UatLSrd 103 amp at11 3O uo!sualxg •aani1M a lots! aapua1 Ag 0auglragaog °pasnalag lots! .iaMOaaog •zi ;ii+. (.0 -6(WY) i000s) Page 11 of 15 571 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 Initiall 4 Form 3051 1/01 LO/L LSOE W10j 9la Z1 •dnueaij IEluamuortnug uE 10J 1 puag uo uotleStigo Aug alEa.ro ijEgs utalati Wuupolq MEg imluamuotinug glim a0ugp.io3oE ui suopOE ieipauiai tiiussaoau ilE a31E1 'ipdmowd iiEgs 1aMO11og `,iressaoau st Auadold 0111 2un0aj3E aouulsgns snopzgzEH Aug 3o uoi1E1patuai Jaglo .!o jEAOW01 CUE 1Egf `,Curd awned Aug Jo `A1uoglnE ,CiolEin3ai Jo IEluatutuano5 Aug ,Cq pagilou si so 'sum! .tamo.uog 3l •,Cuado1d ag13o aniEA am si3a33E Alas1anpE q'igm aouElsgns snop1ezEH E Jo amp.' Jo asn `aouasa.id am Aq pasnEO uoilipuoo Aug (0) pug `aouElsgns snopozuH AuE Jo asealat Jo 1Ea141.to amp.' `a1Eg3sip `guiiiids Aug `o1 pauuni iou lug $utpni0ui `uoilipuo) j1 uamuounug AuE (q) `apalmou)i mum sEg .13M01.10g g0igm Jo mug IEluamuolinug ao aouvisgns snop EZRH AuE pug Auadold am 2u!nionui Suud a1Enud 10 AouaSE iolEina! 10 1Eluau uzano2 ,fur Aq uotfoE 30410 10 imsmgi `puEmap `m!Eio `u0i1ailsanui I UE (E) JO OOpOU uaffum 3apuag aisIg Apdmoid imp 3amo33og •(sionpo3d iamnsuoo u! saOuRisgns snoptEzgq '01 palnuti lou lug `gmpnJOr) Auado1d am Jo aotreual i w 01 pug sasn jEtluaptsa3 letzuou o1 aiEpdoidde aq of paziud00a3 II 1aua2 an mu saouElsgns snop1Ezell 3o satlnugnb items 3o Iivado1d am uo a2E.to1s so `asn `aouasaid 0111 0i ,iiddE lou hugs saoualuas oml 2uipa0aid ata •Auado3d am JO amen alp sna33E Alas1anpe 1e111 uoilipuoo E salEa30 `aougisgns snot:maaH E 3o amp.' 30 `asn `aouasald am o1 anp `4Oigm (0) 10 `uouipuo3 tuluatuuo11nug uE saleaio g0igm (q) MEg igluaUruo1inug AuE 3o uoUgioin ui si lEgl (g) rivado1d aqi gup0a31u 8uigliCuR `op of asp a uoAuE MOUE .toe `op lou ip tis .tamouog •Auadoid 0111 u! 3o uo `saouElsgns snop1gZEH Aug amp.' of U0W01111 10 `saOuRlsgns snop3EZEH Auu Jo amp.' 30 `a3utols `iesods!p `asn `aouasaid 0111 fnuiad 30 asnuo lou !tugs .tamo.uog •dnuealp iuluamuo1inug uE 3088111 asim3aglo 30 '01 alnquluo0 `asnuo ue0 legf uoilipuo0 g sue= „uotlipuoD muatuuounug„ uE (p) pUE !MEI iuluamuotinug u! paugap sE `110110E JEn0m33 10 '110113E mama! `uoif0g asuodsa3 CUE sapni0ui „dnuuatj leluamuounug„ (o) :uouaa1o1d jEluatuuo1inua 10 /claps `gTIEaq 01 alma.' Imp palm! si Auado1d aqf a3agm uopoipsunf am JO SAEJ pug sME4 iE.rapa3 stream „Awl igluamuoIinug„ (q) `.sigita1Ew anll0goipE3 pug `ap,CgapiEU.uo3 30 solsagSE 8utuiEluo0 slEpalum 'maws aitiuion `sapioignaq pue sapIOpsad OIXOl `slonpold mnaioifad opro1 10 alq uiuuell aaglo `auaso1a)i `amosE8 :saouElsgns 8uimoito3 am pee mug leivamuo1inug salsum 30 `s1UElnttod `saOtreisgns snop1ezeg so 0!x01 sE pauijap sa0UEfsgns aSOgl OlE „saotruisgns snoP1EZEH„ (E) :tZ uop0a8 sup u! pasn sd •saauElsgns snop uzuH •TZ •0Z U01100s sup Jo suoisinoId uoilOE ani10a33o0 0) E1 01 ,iliunuoddo pee aopou am Als!ES o1 pamaap aq HET 81 uoloas o1 lUEnslnd 3amo33og of uant8 U0!1EJOI030E JO aopou am Pug ZZ uopoas 01 luEnslnd lamoaiog o1 uani8 alno 01 Allunuoddo puE uoilE3ata00E Jo aopou ata •gdE38E1Ed sup Jo sasod.nd 303 aigguosEai aq o1 patuaap aq mm pouad amp 1Eg1 `ua3lel aq UEO uoIIOE utEUao aioJaq asdEla lsnm gOtgm pouad amp E sapinoJd meg atggoiiddd 3I •uopOE anil0auo0 a)jEl 01 aopou g0ns 3o 8mni$ 0111 1011E pouad atgguosea3 E 010304 'curd 10410 am paploJjE pee gOEaiq pa8aiie eons Jo (S j uoiloas 3o sluamaiinba.i 041 qi!M aouEildtuo0 ut uani8 a0ilou g0ns grim) Alin' 30410 am paupou suq 3apuag 30 3amo33og wits !pun luamn3lsul /Clun0as sun `Jo uosEaI Act pamo Amp /fug so `Jo uoisinord Aug pagagaiq ssg Aliud .raglo am 1Eg1 sa8aijE 1E111 10 luamnJlsul Alun0as sup o1 1UEnsInd suoi1OE s,rfuEd 30410 am m033 sasTE 1Eg1 (ssEIO E Jo 3agmam aql 3o 1Ual1lt ienpintpu! ug 3agf1a sE) uopOE'EiOipnf Auu 01 pauiof aq Jo `utof `aouaunuoo Amu 3apuag JOU Iam0330H IagltaN •3asEgolnd aloN alp iiq papinold astmIagfo ssaiun 3asEg03nd aloNi am Aq pamnssE 1011 a3E pug 3aOIMas uEO' 3ossa00ns E 01 pa.uaJsuEJ1 aq x0 3a01iUOS UEO' 0111 41im UEma3 iiim .ramouog 01 suotlESilgo 8uioin.ras uEOi a2E8uom am `aloNi am JO .tasEgoznd aq1 uEg1 Iagio 3a01A3as UEO1 E Aq paoinias si tUEOg aqf 3a1Ea1ag1 pug plos si al0N am Jl •8utotn.tas Jo 3aJsuE11 Jo a0tlou E gum uo!IOauuoo II! saunba3 e L 150001 (AM)9- (i ds) SO 08 r•s 4 r 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 Secur Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on, or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. ®6(WY) (0005) Page 13 of 15 Initial 57 3 Form 3051 1/01 g LO /L L 90 wloj 5l to bl °Bed lamollog- (was) laMO11Og- laMOIIOg- (IgaS) (was) iamouog- (IgaS) iamoiiog- iaMO.uog- (teas) (was) 4 Nom (AM)9 t:. :sassauTIM �t q�tm papioaar pug Jamouog palnaaxa .iaptg Aug uI pug ivaum[2sul wnoaS su ui pauigluoa s3uguano3 pug suuaa atn of saw3g pug sleboog .iamouog `MO'laH JNINDIS Ag ,.1..n. "n U le...,1 Cr ,n,; STATE OF WYOMING, LINCOLN The foregoing instrument was acknowledged before me this MARCH 05, 20 01 by JOHN K MENTABERRY AND JO ANNE MENTABERRY WANDA N. NEWMAN NOTARY PUBLIC LIN COUNiYO FAME li, P V'i't MiNG M y Commission Expires .3 75 My Commission Expires: March 25, 2002 6G (WY) (0005) 575 County ss: Page 15 of 15 Form 3051 1/01 Lot 55 A A portion of the property referred to in instrume t No. 862926, recorded in Book 439PR, on Page 84, being Lot 55 of the Alpine Village Subdivision No. 1, Plat 3 .Amended, loc ted Northwest from Alpine, Lincoln County, Wyoming, being mor particularly described as follows: The True Point of Beginning being an Iron Pipe et at a point in the West line of said Lot 55, said paint bei g 229.62 feet S89 °16'30 "E to a Aluminum Cap on Rebar foun marking the Southwest corner of said Lot 55 and 308.47 fe t N0 43'40 "E, along said West line from the B.L.M. type Monumen found marking the Alden N. Brewer 1973 location for the common corner between Sections 18, 17, 19 and 20; thence N0 °43'40 "E, c ntinuing along said West line, 319.82 feet to an Iron Pipe s marking the Northwest corner of said Lot 55; thence S89 7'31 "E, along the North line of said Lot 55, 189.84 feet to n iron set at the beginning of a 840.00 foot radius curve to th Right; thence Southeasterly, along said curve, through a central angle of 13 18'03" (chord bears S82 38'30 "E 194.56 feet) a arc distance of 195.00 feet to an Iron Pipe set at the beginning of a 98.58 foot radius curve to the Right; thence Southe sterly, along said curve, through a central angle of 76 41'37' (chord bears S37 38'39 "E 123.56 feet) an arc distance of 133.294 feet to an Iron Pipe set at a point in the East line o said Lot 55; thence S0 42'11 "W, along said East line, 199.99 f et to an Iron Pipe set; thence N89 20'30 "W 459.89 feet, to he True Point of Beginning r J 1