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871953
Return To: Old Kent Mortgage Company P.O. BOX 204, Grand Rapids MI 49502 -0476 Prepared By: DEBRA GENTILE 871953 BOOK L `''PR PAGE 4 8 9 [Space Above This Line For Recording Data] MORTGAGE MIN 1000142 6000020995 -9 DEFINITIONS 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 2, 2001 together with all Riders to this document. (B) "Borrower" is SHANE D. FOSTER and DARLA H. FOSTER, husband and wife ©®6A)WY) (0005) Page 1 of 15 MW 05/00.01 Initials: VMP MORTGAGE FORMS (800)521 -7291 11 11 REIVED LINCOLN COUNTY CLERK 01 MAR —5 °i10 :39 JEANNr KEMMERER. WYOMING 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. M88F0S1568509 1568509 0 WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 1 1 iu kali M88F0S1568509 -6A(WY) 100051 1568509 Page 3 of 15 491 (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 tle0ul1ty of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOTS 7 AND 8 OF STAR VIEW ESTATES, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. Parcel ID Number: 1232192110103200 which currently has the address of 216 HILLVIEW DRIVE [street] AFTON [City] Wyoming 83110 [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower 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. 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Jatpo Jo Vail Slur 3i 4 Ianamo13 •Aouoi. no '5.11 11 omit aq Begs matutJlsul ,illlnoaS sip pu11 °lot ail Japun anp s2UatuA11d 11°11°05 o1 211ynsznd sum' MOJOSg J0j spunj iiyd os111 1111gs Jamo1JOg •aloN ail Japan anp sagj11g° 01111 pu11 s0J11110 1uaUl&ydard Aun put aloN alp dq paouap!na )(lap ail `uo 1Sazal111 pay `3o jydrouud ail anp 11agm /cud 11ugs Jamouog •sagzeto a ;B j pus 'SJ11g0 ;uaul,fudaad 'saran moaasa ;saaaluI 'lsdpulad 3o luaur,fud •I :smo11oj Sy 00121 pug 1U1UOAO° Japua1 pu11 JOMOJJO g 'SINVNHAOO Y�p2IOdINI1 kJ a r �y i 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 ate 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 M88F0S1568509 6A(WY) (0005) 1568509 Page 5 of 15 4 9 3 0 Form 3051 1/01 P6J LO /L L90£ WJO 0 y- 9 t )O 9 used 60989S1 t (5000) (AMIv9- cp 609899TS0i8814 tpim `anp ta )ou To Tatpagq `lununuisui ,iltinoas sp o Aq pumas stuns a 01 pa!tdds aq Hugs spaaooxd aouulnsui arp `pauassai aq mom Anixnoas s,lapua1 10 aiglsua3 AIlsotuuouooa lou s! 1psdat 10 uoulslo1sal alp 3I •Tamolzog 3o UO ps2tigo aios atp aq HET put' spaaooxd aousznsut alp jo 1110 plsd aq aou hugs 1am0zrog Aq puma' `soured ppttp iarpo so `sralsnfps oiignd 1o3 goad •spaaooxd lions uo sAurulua 10 lsalalur SUE 1am0zz0g AEd o1 pazinbax aq lou iris zapua-I `spaaooxd aouexnsut lions uo pisd aq of 1sa1a1ut sairnbpi mE"I aiquogddd JO 2uT1um ur apuui sT luauuaaJBE us ssaiun •palaiduuo0 s! )tloM all su sluatuAsd ssatRoid jo sus u lit 10 luauuisd OISuts u lit uo11E101sa1 pue situdai a111 1o3 spaaooxd aszngstp Mum lapua-t •Apduuold ualsuapun aq HET uoiaoadsut lions Imp paptnold `uotpsjsipss s,lapuaj 01 palatduuoo uaaq ssq OM all axnsua o1 A11adoid Lions loadsui o1 Altunuoddo us pug suit zapua'i spun spaaooxd aouulnsu! ions pion 03 may arp ansl Itugs lapua-t `pound uotlslolsat pus JIEdaz gons RuunQ •pauassai lot sr Alunoas s,zapua-I pus atgisua3 iiii>'oruuouooa si 1TUdax 10 uorlslolsax ago 3! `Suadoxd alp jo ltsdax JO uotpsuolsar of pat1dds aq Iisis `lapuaZ ,iq pairnbax sum aouulnsuu um,ippapun all 1ou TO laulagm `spaaooxd aouuznsut AUE `Rurlum u! aa12E as!mlau 0 1aM0110g pun lapual ssaJUn •1aM011og Aq Apdumid aputr aou 3! ssoi jo 3ooid alum Arm 1apuaq •lapua-i pus xnr11E0 0Ous1USUT a111 01 aorlou 1dU0ld aATR TTRIs 1amo11og `ssoi 3o liana alp ui •aaAi d ssoi isuopIpps us SR 10 /put aa2u211otu ss Japua alum imp pus asnsio a2s2uotr pzEpuuls s apnpur iisgs Aol1od eons `Auado1d alp `3o uoi3Onalsap To `ol °Stump 1o3 `lapua-i Aq paxinbaz as!Mxatpo 1ou `a2RJano0 a0uu1nsut 3o tuuo3 Pius suislgo 1am011og 3i •sa0rlou 'Emma! pus stuunnuaxd pisd 3o sldt000i Its lapua-i 01 a/ 0R Ai1duuozd iiu11s 1amo11og `sazinbaz zapua-i 3i •Salsoppia0 IRMaual pus satoiiod all ping o1 ll2u atp PAsl ilu11s zapual •aa,isd ss0i t1Uompps us SR To /pus aaSsguouu sit lapual at1EU bugs pus `asnup aRatiotu pzspuuls s apniout Ilsgs `satotiod eons anolddsstp o1 111211 s,lapua-i o1 loafgns aq imp sarotiod gons jo sismauaz pus zapua-i Aq patinbax sarotiod aouslnsu! 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JO pluzs11 'Vu SUE lsuls2s `Auadold all 3o slualuoo all 10 `iivad01d all ui Alinba S,1aM0110a `lamozzog 10a301d lou Tartu To 111$tuu lug `lapua-j 1an00 HMIs a2s10n00 lions `axopazata •a2sxano0 30 lunouus zo adAt lsinoTusd Auu asugoznd 01 uotls2tigo ou lapin s! lapua7. •asuadxa s,lamozlog pus uor do s 1u `a5slano0 a0uR111suu ululgo SEW xapuaj anogs paquosap SOSEJOA00 ail JO SUE UMUTEtz 01 thud 1am0zu0g 3I •1aMOJJog uoiloafgo UE wog 2ullinsa1 uotlsutuualap auoz poop SUE 3o matnas atp tp!m uotpauuo0 lit AottoN luatuaRuuuy$I Jfoua21auug islapad ag1 Aq pasodun saa3 ,its 3o luatuAud all zo3 atgisuodsax aq OSis Iisgs 1am0110g •U0Tlu0tJi11a0 x0 uou3RU!Uualap gons 10x3 ;s WTI Iiquuossax 110111M 111000 sa2uR110 zuituuTS 10 s2ulddEtual awr losa saRlslo luanbasgns put sAOTAZas u0r1s01tua0 pus uopuupumop auoz poop 103 a2zuyo atop -auo s (q) 10 :sa0TAlas RuDi0s11 pus uor3s0Up1a0 `uollsutuualap auoz poop 103 aS1sgo atui -auo s (s) :laglia `uR0Z sup llim uotloauuoo lit `,Std 03 1amo11og altnbax SEM 1apual •Xlq uosualun pastolaxa aq lot pugs 116u tp!gm `aotouo s,Tamonog anolddssup o1 112!1 s,lapuA-i 03 loafgns 1aMO11og Aq uaSol0 aq [Ergs a0uulnsu! all Sulpunold 1a1xiRO a0uEZnsut aui, •uso -i all 3o anal atp SPIRT a2uR110 uu0 sa0ualuas 2utpa0ald all 01 luEttsxnd sazmbax xapual 3RU •sazmbax xapua-I rip spouad all 1o3 pus (slam' aigi onpap 2utpnput) slunotus all lit paulslulsuu aq 1iu11s a0usxnsu! sill •a0usznsu! saxinbai lapuni 110u11m Jo; `spoop pus sa)tsnbtp1sa `ol pall et lou lnq `Rutpni0ut smut! 1aulo Auu pus „`a2u1ano0 papualxa„ uual all uulltm popular! spluzu11 'aig Aq ssoi lsutu2s pa1nsu! i11ado1d all uo moan lapsaLaq 10 Supslxa MOU sluauuanoldur! atp dam' iis11s 1aMOlzog •a0uRansuj ,flradold •s •uuo s1gl 111Tm uopoauuo0 lit lapual Aq pasn a0!Alas Suluodaz 10 /pus uor3ROr1T1AA xul 03E1S0 TEAT E 103 a21ug0 nUnl -aU0 E Asd 03 1aM011og ai!nba1 ,Tutu 1apua'i uoul0as sill III anogs 11uo3 las suotl0s arp 3o a10uu 10 MO WWI 10 Unit all iijsrlss Hats 1aM011og 'IMO' Si 0010U 1RIp III qM u0 alsp all JO s,isp OI uPTIIM "[PIT t r i R lVD '4 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 M88F0S1568509 1568509 0 Initiate: 6A(WY( (0005) Page 7 of 15 Form 3051 1/01 495 96V 4 mom (AMlV9- Crp L0 /I Me WJOA 5 10 8 aged jfi 5:siemui 0 6098991 609895TS01881AI •punjaa Sue or aannoaaog apt;ua ;ou IlIM Sag) pun 'aaueansuI aReapoy4t ao3 aM0 IIIM aaMOaaog iunowe ag; aseaa0ui ;ou IIIM s;uawaaage gans •ueol aq; jo suiaa; aaq ;o Sue ao 'aaueansui a2e2).1oN ao3 ,fed o; paaaae seq aatoaaog ;eq; s;unowe ag; pa33e ;ou film sluawaaaRe gans Suy (e) :xallm�i •aouelnsutaz anildeo„ pauua; ua13o si uuaura &uezxe aril `xaxnsui arp of pred sumtumxd am JO azegs v 103 aguvloxa ut 1stx s,lalnsut am JO PINS v SMiv1 lapual JO 0)ETI 3g uv 1v11 saprn0ld luaulaaxgv Ions 3i •sassoi Sutonpaz JO `)isU s,la1nsut agvguoul aril RuthJipour xo guugls 103 agugloxa ut `aouexnsui aggRUow 1o3 sluauldgd s,zamomog jo uogiod g (sr pazualoezerio aq WTI zo) uto13 anuap lieu) sl (dpoalipui xo Spoaxip) antaOax Sem `SuroRazo3 a11 3o Suv 3o a)vpujr Suv 10 `iiluua xag3o Sue `1alnsuta1 Aug `lamsur =pour `a30N all jo zasegoznd Sur `zapual `sluauraa1Rv asap jo )anal v sy •(suzniruaxd aoueznsui a2e23loN wog pautelgo spunj apniour dew goigm) atgv'reng anvil Arm laxnsui aSvglxoul aril Imp spunj 30 aomos Sur Sutsn suuaurdgd o1 lamsut a31331oru alp aztnbal Avid sluauraazgv asagZ •sluaulaaxgv asagi 01 (sailzgd xo) S11vd 1a110 all pue laznsut a2v2110111 am 01 Sxo101Jsipvs azv leg) suoilrpuoo pug swig) uo a1v sluaruaalge asaUL •sassoi amp= JO `)IS!11tarp 41powr JO a1vgs lvgl saTUvd zallo 11iM sivaulaazgv our Jam Aral puv `amp 0) auttl 1110x3 00103 ut aou1xnsut eonS Ile uo AST1 I1 O1 ziagl alenivna s1alnsut ageslloyAZ •aouI1nsu' agvs3xoyv a p o1 Surd g 10U Si 1am0J1og "paoRe Si agog all Sala' )ou saop lamoxx0g 3t moat Sum It sassoi ureiao 1o3 (aloN all sasvloind nip dltlua AIM so) xapua- sasingrurax aouvznsui a5e33xow •aioN ag1 ut paptnold a)vx arl3 lg lsalalut ded o) uopvRiugo s,lamouog s3oa33e 01 uop0aS stg3 ut RuppoN •M1-i algmtiddy Sq paltnbai st uoil1utuual'pun 1O uopeuIUUa3 guns xo3 Rutpinoxd npual pue 1am01108 uaaMlaq 1uaumaalSe uafUM Sur glint aougpx000v ut spua aoueznsui aSgguoysi 103 luauzazinbaz s,lapua-' pun a u sax ssoi a'g1pun3ax -uou v aptnold o1 xo `100330 ut aouvinsui PgESUOIAI U lUi1ur of papnbal sum urazd alp Svd IIMIS 1aM0110g `aou1znsui aRvRlzoyA' x03 sumtulaxd all p11mo3 sluawrd1d pawugrsap Sialvivdas a 01 palinbai S1M 1amo11og pug ueo'i al) 2upt1ur 3o uo131puo0 a s1 a0ue1nsul aRvs11ow paxinbax 1apua-' 3i •a0ug1nsui a212lzoN 103 sumtulald aril pJ1M0) sluauld1d pa3vugtsap Stalvxvdas salrnbal xapua' pug `pautelgo st `auggitene saurooaq utege 1apua1 dq pau0auas laznsui uv dq papinoxd (=tuba' xapua-i 1g13 pouad all ioj pue 3unoure alp ut) agelano0 aouexnsui ageguoyq 3i sluawdvd anxasal ssoi alinba1 xagu0t ou 1110 lapuaj •anxas01 SSOJ Bons uo &alum ga JO lsala3ui due xamolxog dgd 01 palmbal aq low i'egs lapuai put `11113 ur pied S'alvurtlin si uvo-i am nip 10e3 all RutpuelsgprMlou `augepunjaz -uou aq pups anx0s01 ssoi gong a212UoJ, 3o nap 11i an1asal ssoi aig1punJax -uou v SE s2uauldgd asag3 ute3a1 pue asn `3da001 jJTM Japan •3oa33a ui aq o3 paseao ag1lan03 a0u1znsui am ua1M anp a13M p p sluaurdgd panatsap dialg11das alp 30 mom alp Japuani o1 Svd op anurluoo pugs lamozxog `a'g1'ignv 3011 st agvlano0 a0u11nsul off 3uateninba dllgtluvusgns 3i •lapua- dq poops zalnsut aRER3xou1 a3vuxap'e ue 111013 `30a33a 11t Sisnotnald a0uelnsui agr2iJoTAT am 30 lamoxxog 01 Ism al3 01 luaivntnba S'iepu13sgns 3so0 a 3e `300330 ut Spurn/old a0uelnsui a2123loyst aq3 o1 3uai1ntnba S" epu13sgns agexano0 uie1go 01 palinbai sumturaxd all Sed ilgls 1amonog `aou1znsui a uglzoi^i 103 sumiulald alp pxemoi sluaruS1d palvugusap Siapv1edas a)uvur op pazinbal sent 1aM0110 pue a0u1xnsut lions papinoxd d'snotnaxd 1ert1 laznsut aBallour all wog atg1'tene aq op sas1ao lapun dq pazmbal a311 AO0 0ouv1nsui ag1glzoyAI ag1 `U0S1a1 Sue 1o; `3I •1 ut aou1znsui ag1g31ON am ui13untu op paxinbax sumuuazd am Awl peps 1am0xx0g `u1oi al3 5utai1ur 3o uoptpUoo v se a0u1msu' aggslxow paxinbax lapuaj 3i •aaueansui ag1R;aow •0I •Sui3TM ut lag1aul am 03 saalgv 1apual ssalun ant(' 1011 u'elS a1ut3 aaJ all puv Notional am `d31ad01d am 03 app aa3 saitnb01 1aM0110 31 •asvat al3 3o suotsrnOld all 11e )Dint dlduloo pups 10M011011 `ptogasva' g uo si luaumllsui S3un0aS sup 3I •luaulAvd Sutlsanbax 1am011og op xapua-1 uro13 aopou uodn `3sazalut lops lit' `aug1Sed aq'lops pug 1uaulasxngsip 3o alvp am 111013 a31z a30N am Jr 3saxaaut lvaq imp slunoure asap,', •3uaumJlsui Slangs sill dq pam0as 1aMOZZOg 3o Nap 1vuoi3ippe aurooaq Mugs 6 uot30aS sig3 lapun zapuaj dq pasingstp s3unouz1 Suy •6 uot30aS s1111apun pazu0 j3n1 suo130e Hy z0 due 5up11l Sou 103 dltitgett ou shout xapua-I lulu paalS1 st uI •os op o3 uo131Sggo 10 g1np due lapun lou sr pue os op o3 aneg 3011 saop 1apuari `6 uoip0aS sill lapun uor30v SEMM lapua-' lgnog3Iy •33o xo uo pau1ril sa!311!3n an1l pue `suol3ipuo0 snolaguvp 10 suot31iotn 0300 1ag30 10 Sutpitnq a3eutu `sadld Wog 1a31M uiglp `smoputM pue sloop do pnoq JO ao1'da1 `5'31001 agugg0 `szredaz alma o1 Slxadoxd all 3ur1a111a `03 pa3tux11 1ou 5't 3nq `sapnlort Slladold all RuunoaS Sutpaaoold Soldantueg g 11t uoptsod pimps s1t gutpnion! luaumxlsu' S1I1n0aS s'131apun s1g2U 10 /puv S11acIold all ut 3saza3ut SIt 10aioxd ou 5'003 ,sdauzou31 ca 0 lJC c d (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. M88F0S1568509 isp 6A{WY) (0005) 1568509 Page 9 of 15 fir 0 Form 3051 1/01 9 7 L 0/ L 1.50£ WJod e t 3 0 L *Bed moo) (AAA)vg- CO 0 r �il 609899T 609895TSOJ88W •luatunr1sui Alunoas sup zapun luatuazmbaz &npuodsauo0 am S3sprs TWA luautazmbaz mr-i algeoilddy am 'awl algroiiddy zapun pazmbaz osir si auaumi sul Alunoas sup Aq pazmbaz 0opou dug 3i •zapua-j Aq paniaoaz Silrnlog Hum zapuaq 0l uantS uaaq aneq of pamoop aq 1ou pugs nt unulsui Sliznoas sup tpi& uopoauuoo uT aor ou Suy •zamozzog of 0otiou Aq ssazppt zamour pa1rugisap srq zapua-i ssalun uiazag pains ssazppe s,zapuaj of Iiutu ssrlo top Aq 1T Suiiretu Aq zo It Suupniipp Aq uom3 aq pugs zapua-i of aopou Auy atop auo Sur 1r lu0umzlsui dliznoas sup zapun ssaippe aopou palSTsap auo Aluo aq Slim azatlj •aznpaoozd paT3ioads reap quoit!) ssazppr 3o a urtp r nodal Sluo hells zamozzog uatp `ssazppg jo agzugo s,zamozzog Supzodaz zo3 aznpaoozd r sagioads zapua-i 3I •ssazppu jo agut14o s,zpmozzog jo zapuaj S3pou Spdtoozd hags zamozzog •zapua-1 of aopou Sq ssazppr aopou altupsgns g paluuSTsap sett zamozzog ssalun ssazppy Slzadozd alp aq IIt14s ssazppr aopou aqZ •astmzatpo sazmbaz Slssazdxa no-1 aigeoiiddy ssalun szamozzog ilr of 00!1011 plt1psuoo Ilrgs zamozzog auo AIM o1 aopoN •suuaut zatpo Aq hips 3T ssazppg aoiaou s,za &ozzog of pazantlap Sllgnlor uatlm JO Ireum ssrio WIT Aq pourtu uatlm zamozzog o1 uani$ uaaq ant' of pamaap aq Imp itiautntlsui AlunOas sup tpTM uopOauuoo ut zamozzog of aOtlou Auy •gupu& u! aq lsnnt luatmuisui Slunoas sup tptm uopOauuoo ut zppuaj JO zamozzog Aq uanTS saopou IIy •sa'IoisI •Si •a2JPIRI AO dons 3 1110 STTTIM aAAq IggIm zamozzog 110p0r JO 14211 Sun JO zanTgm g altui3SUOO Iiim zamozzog 01 1UOtodrd rap') Aq aprm punjaz lions Aug jo aourldaoor s,zaMozzog •(aaoN alp zapun zo3 papinozd st agzugo luatuArdazd r lou JO zatpagm) agzugo luomArdazd Aug lnoI pt& luatuArdazd ietued r sr palgar aq 'pm uotlonpaz am Itdtouud saonpaz punjaz r 3i •zamozzog of auamArd loazip upirtu Aq zo aloN 0141 zapun pamo Irdtouucl alp guionpaz Aq punjaz sup mum o1 asoogo Arm zapua' •zamozzog 01 papunjaz aq HI" slito!l ppl1uuzad papaaoxa gotgm zamozzog mop paloauoo Aprazlt sums due (q) pur Anti palliuuad alp 03 aSzngo alp aonpaz of Azgssaoau lunoure alp Aq poonpaz aq iirtis agzugo utol lions Sur (g) .uatp `slTuttl pallitu od alp paaoxa uro-i alp IMA1 uopoauuoo uT pal0aiioo aq of z0 palo0ll0o sagzugo urol zatpo JO Isamu! am imp os palazdzalur Slirut3 si mri imp pug `sokirip uroT umunxrtu sips gOiq& mule 01 3Oafgns st urori aql 3I •mr-1 aiquopddy Aq JO luatuntlsui AlunoOs sup Aq palrglgozd dissazdxa ale lute spa; agzugo mu Arm zapuai •aaj Ions 3o SutgzrgO alp uo uoplgajozd r se panzlsuoo aq 1011 ilegs zam0zz0g 01 003 oi3TO0ds r agzrno oa loatutuisui Allmon sup ut Aluoglnr ssazdxa 3o aouasge alp `saa3 za1410 due of pzrgaz 111 •sooj uopunign pug uop0adsui Suadozd `sag ,sSouzonu `ol pauutil loo inq `Sutpnpul `luatutulsui Aluno0s sup zapun s1ggu pur Suadozd am ut lsazalut s,zapua1 Sut3Oalozd 3o asodznd alp zo3 `1lnejap s,zamozzog Iltm uopoattuoo ut pauuojzad saoinzas zo3 saa3 zamozzog agzugo Arm zapua-i •sa2agga ugo-I 'bT •zapua-I 3o sugtssr pur szossaoons all ipauaq put (0Z uopoas ui papinozd sr ldaoxa) puiq ilrtis 1uatunzlsui SliznoOs sup 3o sluoumazgg pug SlURUOA00 atli luau& ut asral0z lions 0l s0a1Sr zapuai ssalun luatuntlsui Slunoas sup zapun Altpggil par suotprSilgo s,zamozzog mop pasralaz aq loo ilggs zamozzog •luaumzlsui Awno0s sup zapun sli3auaq pug s1q !z s,zamozzog JO UV un iqo hugs `zapua-i Aq panozddr si pug `gupum uT Iuaumz1sui SliznOas sup zapun suoTl1STlgo s,zamozzog satunssr own zamozzog 3 lsazalui uT zossaOOns dug `gl uoTIoas 3o suoisinOzd am 01 100fgns •luasuoo 5,z0ugis -oo alp lno aloN alp zo luatunt;sui S3Tznoas sill 3o stoza1 0141 01 pzrgaz Ili& suoprpotuutoo0r Sur wpm JO zgagzo3 `S3ipoum 'puma of aaaSt 11110 zamozzog zamo Aug par zapua-1 1x141 saazgr (o) pare `.luatutuisui S1u1Oas sup Aq paznoas sums alp A1d o1 palrStlgo Aiimuoszad loo st (q) `.luatuntlsui A1unOas sup Jo mum 0141 zapun Suadozd 0141 uT lsazalut s,z0ugis -oo alp S2nu00 par pima `a2r3uout 01 Aluo ntoumzlsui Amnon sup Surugis -oo st (r) „zauSTs -oo„ r) aloN alp alfOaxa loo s0op lnq luaumz)sig S1iznoos sup suSts -oo oq& zamozzog Sur `Janamog 11110Aas par Imo!' aq putts Appgrp put suoprgilgo s,zamozzog 1rtp saalSu pup: sluguanoo zamozzog •punog suSlssy put: saossa00ns :saauffls -oa glulqun igaanas pug lulof •Spauraz JO lgg),z Aug JO astozaxa alp apnloazd JO 3o zanIrm t aq 1oo puffs `atm uatp lunoure am uutp ssal slunotur ui z0 zamozzog JO lsaialui ut szossaoons JO satatlua `suosiod mil map s1u0tuArd 3o 00ur3d000r 5,zapu04 `uoilglnuil multi& `gutpnioui Apamaz zo 110!1 Sug gutsTOZaxa uT zapua'i Sq 0Ourzragzo3 Suy zamozzog 30 1s0za111i ui SIOSSOOOns Sug z0 zamozzog 1m1!410 01p Aq apum purutap Sur 3o uosraz Aq Iuaumz1sui ApinOas sup Aq paznoas sums a1413o u0przpzoure S31pout ast&za1410 zo lu0UZAgd z03 atop puma 01 asttlaz 03 zo zamozzog 30 lsaza1ui uT zossao0ns Aug 1sufl2t sSuipaaoozd OOuaumtoO 0l pazmbaz aq 1011 iiggs zapua-i zamozzog 3o 150101ui uT szossaoons Sur zo zamozzog 3o Alilig a141 asgalaz 01 01E10(10 loo hugs zamozzog 3o Isa1O1ui ut zossaoons Aug JO zamozzog 0) zapua Aq paluu12 1uatunzlsui S1unoas sup Aq paznoas sums am 3o uoprz1uoure 3o uoproT3Tpout 1011.10111drd zo3 Plop 0111 3o uoisuaIxg •aaAlum E ION aapuaq Ag a0ugagagaog :pasuaiag Ioi aamoaaog •Zi 86P 4 irk ry ,ywv.I 'v.r 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 M88F0S1568509 6A(WY) )0005) 1568509 Page 11 of 15 499 ��(Z 0 S Form 3051 1/01 L0 /L LSOC Wand 0 0 0 105 9L toZtB 6098991 (9000) (AM)y9- 6098951S0A88W •dnueap IR1uauruoxinuH ue xoj xapua uo uop1 ijgo dui a lua13 MILS UJazaI( 3tIpoN •mu-I ielaaumortnuH Iptm aouupz000u ur suonou p ipauraz dressaoau iie axial dpdmoxd hugs aamoxzog `dzussaoau s! dizadozd alp 3upoa33u aouuisgns snopxezuH Sur Jo uo!lunpauraz zaglo JO iunouraz Sur luq3 `Spud alunud Sur JO `dlumpnu dzoluin3ax JO ieluaumrano0 due dq pappou si JO `sumo! zamoxzog 31 •dlxadozd aril 3o amen alp 5000 ;t' Slasxanpe tloigm aouzisgns snoprezt'H u jo amp.' JO asn `aouasaxd alp dq pasnuo uotlipuoo due (o) par, `aouuisgns snopzuzeH duo 3o asuaiax jo leaztp z0 asuaiaz `a8zegosip 'Bump! `3uuuds Aug `oi palnuil lou Inq 3urpniouw `uol2TpuoD Ieluauuro1TnuH Sur (q) `a3paimou)i pure seq zamoxzog Ilonlm 3o mu7 Ieluaumo1TnuH xo aouelsgns snoprez1H Sur puu dlzadozd alp 3ainio/011 dlzud alunud JO OUR dzoluin3az JO Iu1UOUmxano3 due dq uoTlou xatpo zo 1msm1I `puumap `unuio `uoIlu2psanui due (u) JO aoTlou aallpzm zapua -I aATS dpdurozd imp zamozzog •(slonpozd zaumsuoo uT saouelsgns snopzezeq `ol pailmri `3uipniouT) dlzadozd alp jo aouuualutum of pue sasn iepuapisaz p uuou of aluudozdde aq of pazru3ooaz diiuzaua3 axu mil saoui sgns SnopzuzeH jo sapiluenb !Tutus jo dlzadoxd alit uo a3uzols zo `asn `aouasaxd aql of didde iiegs saoualuas oml 3unpaoaxd alit dlzadoxd a!p JO amen aui slOa33u diaszanpu lugl uopipuoo u saran `aouuisgns snopzuz1H e 3o aseai0x JO `asn `aouasaxd alp of anp `IIOUIm (o) JO `uoilipuoD Ielu0Umozinua ue s0le0z3 tioigm (q) `me-I iuluatuuo1TnuH Sur JO 110Tiei0TA 11! 5! lute (u) d1z0d0zd a!p 311!2Oa33e Bu!Lpduu `op 01 ago auodue moue IOU `op mu hulls zamoxzog dlzadozd aql uT 10 no `saouuisgns snopzuzuH duo aseaiaz of ualuanp JO `saODUisgns snopzuzeH Sur 3o aseaiaz JO `03E101S `iesodsip `asn `aouasaxd alp iiuuod xo asnuo uugis xOMOJJOH •dnuuao iuluaumoxtnug uu x033u1 asTmzaIpo JO `01 alnquluoo `asnuo u1O Iulii uo1llpuoo u stream „uoTlipuo3 IeluatuuozrnUH„ uu (p) puu `MJ iuluaumoz!nug u! paupap se `uoTlou IMAomaz JO `uopor !wawa! `uo11O1 osuodsaz due sapnioui „dnuuao IeluamuozinuH„ (o) :uopoaloxd iuluaumozpma JO diO3es 'wag 01 aria! Imp paiuoo1 sT dlzadozd alit azagm uopo!psunf atji 3o smei pug smut Iuzapa; arrow „mu-I julu0tuuozinUH„ (q) :wpm!!! a/ Tlouoipe! puu `apdgapieuuo3 JO soisagsu 3umiuluoo siuualum `sluanios OITluion `sap1o1gzaq pue sapIOTlsad orxo1 `slonpoxd umaioxlad oTxol JO ajgemuieu zatpo `auasozaoi `auiiose3 :saouulsgns 3urmouo3 aqi puu me-I Tulu0Umo1Tnu3 dq salsum JO `sluulnuod `saouulsgns snopzuzeq zo otxol SE paugap saouulsgns asoIp aze „soouelsgns snoprezeH„ (u) :IZ uopoas spp ur pasn sy •saauu;sgns snopaez1H '1Z '0Z aoTloas snp 3o suoISTnoxd uo1loe aniloazzoo axiel of dlTunlzoddo pue aopou aul SppTlus of pomoop oq urgs 84 uonoas of luensxnd xamozzog of uan13 uoriez0(0oou 3o aopou am pug ZZ uoIio0s 0l luunsxnd zamoxxog of uOAI2 0x110 01 dlTunlzoddo pug uopmaiaooe jo aopou aqy •Iiduz3ered snit jo sasodxnd zo3 aigeaosuax aq of pauraap aq Ilan pouad atop legl `u0)iei oq ueo uoTloe urn= azojaq asdeia lsnut gOnlm pouad amp a saptnozd M r ajgeouddy 3I uoTlou anTloaxxoo a3iel of aopou !ions 30 3u1A43 aqi Jour poiiad 0iquuosuaz a 010z04 Surd 10!430 alp papxo33u puu Iioeaxq paBouu !ions 3o (S i uoIloas jo sluaurazmbaz 0Ip IIITM aouuiiduroo uT uan!3 aopou dons tpTm) Surd zatpo alp p0T3tlou sell zapua-I x0 xamozzog lions ITlun `Iuaumxisui dl!xnoas 54143 `Jo uoseaz dg pamo dlnp duo zo `Jo uolslnoxd duo patiorozq set Shed zagio am lelil s03auu lulp JO luaumzlsui dl4Znoas s4til of luunsznd suot1OU s,dlzud 101410 alp wag saspr )ems (ssuio u 3o xagmom alit JO Iuu iunpintpu! uu zalpta se) aopou I1TOTpnf duo 01 pautof aq JO `uTof `OOUamm00 Arm zapuoi xou 10mozzog 1011110N •xasu1oxnd aION am dq papInozd as!mxatpo ssaiun xasegOxnd oloN alp dq paumssu 1011 aze pue z00T1zas uuo'I x055000115 u of paxzajsuuzi oq JO zaoTnzos ueo'l aql IpTm u4emax HIM xamOxlog 01 suopu3Tigo 3u1OTnzas uuoi a3u3lxom am 'atom alit 3o Josulloznd alit limp 101430 Joopuas uuo-I e dq pOOTnzas sT ueol 0143 zaljeaxatp puu pios sT am/ alp 31 •3UT0TMas 3o z03suexl 3o aopou u 14Tm uo1loatmoo uT sazinbax SO 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. M88F0S1568509 6AIWY) 10005) 1568509 Page 13 of 15 0 Form 3051 1/01 1.0/1. L O W O I 0 Jamo.uog- J2m0110(1- (ms) (isos) J2mOJJOg- (MS) JamOJJOg- (isaS) 91. Jo bt o6od 609899T Jamouog- (MS) J2mOJJOg- (MS) (9000) (AM)V9- 60S8991S0i8814 :sassaunM li tpim pap ooax put Jamouog ,(q palnoaxa Japig ,Cur ui pus luaunulsui Allmon siq ut pamtwoo sluManoo pui suual alp of saaBv pur sldaooE zamo.uog `Mo'1 a JNINDIS ui r ^U. W 4 IY :sw, STATE OF WYOMING, Lincoln County ss: The foregoing instrument was acknowledged before me this March 2, 2001 by SHANE D. FOSTER and DARLA H. FOSTER My Commission Expires: I .ROOlt LAURIE McKEE NOTARY PUBLIC COUNTY OF STATE OF LINCOLN WYOMING M88F0S1568509 Cli 6AIWY1 loo05) 1568509 5C)3 Initials: LA (I Page 15 of 15 Form 3051 1/01 0