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Home My WebLink About87175101014311 Return To: GMAC Mortgage Corporation 200 Century Parkway, Mount Laurel, NJ 08054 Prepared By: Cynthia Kapitan DEFINITIONS 000685054980 -6A(WY) (0005).01 Page 1 of 15 Initials: I4 4 VMP MORTGAGE FORMS (800)521 -7291 8 7 17 I BOO' t PR PAGE 0 7 0 [Space Above This Line For Recording Data] MORTGAGE MIN WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT WITH MERS RECEIVED LINCOLN COUNTY CLERK I FT it ,w r- KENT Pf 11 1 s 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. 14 (A) "Security Instrument" means this document, which is dated 02 /$S 2001 together with all Riders to this document. (B) "Borrower" is Sean M. Hill, A Single Man 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. Form 3051 1/01 1 1 11 iii L O/ L 1.90£ Wi 9 L to Z eOed Menu( 1 1, 0 [toads] (s)zagpo n 1 PRI AI!u d Jam atuog puoOas rapt2! 1uatUiild Xj)laamtg zapt21 puatudolanaa uuf Pa id zapt2! umtutuiopuoD Lo(9000) (AM)V9 0861790989000 'VdS321 zapun „nuol a2e3uoui papniar SIlumapa3„ a se (3iilnb Ton saop UEO' at 1 J! 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P LU2A 11 SUUed J.0 qi.pamucnutuo3 3O mg! alp zapun 2u1lstxa pun paz1uaro ,aapuai a6e61.,aoW Le 0.uap Lse 1 s! .apua1 uoLi.eaoduo3 a6e6quoW oVW9 sI „1apuarl„ (a) OE"" 1. 072 (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the County of Li ncol n [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] The Assessor's Parcel Number (Property.Tax ID#) for the Real Property is Lot 7 See Schedule A Parcel ID Number: Lot 7 which currently has the address of 977 Saddle Drive [Street] Etna [City] Wyoming 83118- [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. 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. 000685054980 6A(WY) (0005).01 Page 3 of 15 Initials: Form 3051 1/01 60 /6 690E WJOd 914 seed 4177 1019000) (AM)1/9- 0861790989000 slunotug all `alguAgd aiagm puu uagm `ADOaitp ICE Ilgts lamo110g `lanleM tons jo mane all uj •Wut;Um xi! aq Aluo Autu lantgM tons Aud •auitl Aug lu small Mo1OSg lie 10 Aue loj spund lapua-1 o1 Aud of not Spgo s,lamo11og antgM Arm iapua-I small Molosg Ile 10 AIR loj spund at1 Agd o1 uotlu5pgo s,l0m0110g santgm lapua'I ssalun small moiosg io; spund all lapua-I Aed pugs iamoliog •uoiloas still iapun ptgd aq 01 slunotug jo saotlou lig iapuarl 01 tsnunn Apduold Ilgls iamouog quail Molosg ug aq imp sluaussassu pug saaj `sanp tons pug `1aMO11Og ,Cq pamoiosa aq `Aug Jt `sluamssassd pug `saad `sang uongtoossv AltununuoD lgtl aimbai hut lapua-1 `11801 at1 jo tuum all Wutinp amp Aug Jr 10 uo11grn uo ly „'small moaosg„ pajleo air small asagi •OJ uotloaS Jo suolstnoid all 1MM 0311gpl033g ut stunttuald aousinsul a5g2poj1 jo luauthd all jo nap ut iapua 01 1amof0g Aq algRAgd suns Aug JO `Aug Jt `stunttuaid aouginsul a5uSpow (p) pug !g uotloaS iapun iapua-I Aq paitnbai aouginsui ug Pug Aug ioj suntuasd (0) :Aug ji `Apadold all uo sluai punai2 10 sluamAgd plotasual (q) `.Apadold all uo aouglgmn3ua 10 uati e Sg luamnilsul Al!inOas sill lan0 t(luotid mum tre0 ga!gm sum! 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Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at. the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 000685054980 6A(WY) (0005).01 Page 5 of 15 Initials: 074 Form 3051 1 /01 Ij 0 LO/L I. NC WIOJ sieil!ui 9 L 40 9 aged 1.019000) (AM)V9- 0861750589000 qIM `anp uatp mu JO zatpagM luauznzlsui Alpnoas sup pampas sums alp of paptdde aq pegs spaaoozd aouEZnsul aqp `pauassat aq ptnom Aitinoas s,zapuaj JO atgissaj Slleoltuouooa you sp nedaz JO uoipezopsaz all ;I •zamozzog 3o UOTIES qo atos alit aq hens pue spaaoozd aouEinsui all jo lno pied aq lou hugs zamozzog iiq pauielaz 'sawed mill 101W JO `szalsnfpe opjgnd zoj saad •spaaoozd lions uo auiuzea 10 lsaza1U! �fue zamozzog Asd of pazpnbaz aq lou pens zapua-I `spaaoozd aouemsui lions uo pied aq 01 lsazaluT sazinbaz MEZ aigeoitddd 10 up apeui sp juaulaaBg ue ssatun •palaiduioo si zlzoM all sE swam/Cal ssaaozd jo saws a ui JO jimmied al2uis E ui uopszolsaz pue snedai alit zoj spaaoozd aszngsip Auut zapua •Allduzozd uayteuapun aq is uoppoadsup Lions iegl papi■ozd `uooE3sues s,zapua-I of patatdutoo wag set *tom all aznsua o1 Suadozd tons loadsui o1 iiuunuoddo ue peq ssn zapuaZ !pun spaaoozd aouemsut lions pt0t 01 lop at1 aneq huts zapua-I `potzad u0pEZOlsaz pus nedaz tons 2uuna •pauassat lou sp Alpznoas s,zapua-I pus atgpseaj Apeolumuooa si ziedaz zo uop1u1o1saz alp ;p `Auadozd aqp jo nedaz JO uoplEZOlsaz 01 pattdds aq hugs 'zapua-I Aq pazinbaz sem aousznsul 5ulAlzapun all lou 10 zaLilaTM `spaaoozd aousznsui Niue lu11pm ui aaz& asIMZagpo zam0zz0g pus zapuaZ ssatun •zaM0zz0g ciq Apdutozd apem 10U 3T ssoj jo joozd oval ism zapuaZ •zapuaZ pus za aouainsut all 01 ao you ldutozd aAI2 pegs zamozzog `ssoj Jo loan all uI 'aaAed ssoj IEUO11TppE ue se zo /pue aaMuoul se zapuaZ aureu pugs pue asnEto a v51.t0ut pzepusls E apnloui pegs Aopod tous `filmdozd aq1 `Jo uoi1O1U1sap 10 `01 a2stusp zoj `zapuaZ pannbaz as!MZatlo toil `aRezan0O aOUeznsul 3o uuoj Iiue sutRlgo 10M0110g IEMauaz pus suzniutazd pled jo sldiaoaz Its zapuaZ o1 anp2 Apdtuozd pugs zaMOZZOg `sazinbaz zapuaZ 31 sa1EOIJpza3 IRMauaz pus sapOptod all Nog 01 1t2pz all anet pets zapuaZ •aaiced ssoj teuotplppe UE sE Jo /pus aaSauout se zapuaZ atuBU Mugs pue `asnEto aMuout pzepuels E apnput huts `sappjod tons anozddestp o1 lt2iz s,zapua-I o1 loafgns aq pugs saioitod tons jo siumauaz pus zapuaZ iiq pazinbaz sapgod aouvinsup TTd •luaUIiied 2uusanbaz zaMO.uog o1 zapuaZ wag aOplou uodn `lsazaluT nous IUM `atgsSed aq pegs pus luatuasmgsip jo am) am map aim aloe alit 1s lsazaluT nag pugs sIUUOtue asatu, •1ua[unzlsig ,ilpmoas sptp Aq paznoas zaMOZZOg JO map IEuoppppe autooaq hens S uopoas sup Japan zapuaZ paszngspp sIunome Suy •paule1go anBLi ptn0O zam0zzog Islip aousznsui jo ism alp paaoxa Apusot pulps 1t$nu pauielgo os a2szanoo aousmsui alit jo Jan alp imp sapatm0U3IOs zaM0110 •load ;a uT Alsnoinazd sum imp aezanoo zassat JO zalEaz2 apinozd ppnu pus A1TITgBTt 10 p RZBt `)Ispz Alm 1SU!B a qlladozd aq1 Jo slualuo3 am 10 'iivadozd all in Ailpnba s,JOM0zz011 `zamozzog loalozd mu 1112pt1 10 1011X1 png `zapuaZ JOAOO IIEIIS 02EZanoo lions `azojazatl,I, •a2szanoo jo mourn z0 adii2 immured ,pus asEgoznd 01 uoi2aitgo ou zapun st zapuaZ •asuadxa s,zamozz0g pus iloppdo s,zapuaT le `a2EZanoO aousznsui memo hut zapuaZ `anogs paquosap saszanoo aLii jo Aus UIEluisut 01 slpj zamozzog Ji •zaMOZZOH Aq uopoafgo ue wog 5upinsaz uoplsil1UL1 lap auoz pooh Niue Jo maw' alp gpM uopoauuoo ui Aouay mama mew Aouaazatug IEZapad aqp Act pasoduzi saaj Pius jo luautSsd all zoj atgpsuodsaz aq OSIE pegs z0M0110g •U011E3tjt1133 10 uoilsuiuuaiap tons 1oa33e 1t2ptu Stgsuoseaz 1optM m000 saguslo zetpurps 10 sBupddsmaz atupl nova sazsto luanbasgns pus saopnzas uopeolnuao pus uop1EUtuualap auoz poop zoj aRzuto atujl -auo B (q) 10 `.saopnzas 2uppez1 pue uopeogpuao `uopeupuualap auoz pooh zoj amp autlp -auo a (B) :IMMO `UEOZ slip glpm uoUOauuoO up 'lied Op zamozzog ai nbaz Amu 3apua'I •AlgRuoseazun paspOZaxa aq lou pegs in 2p goliM `03i0113 s,zaMOZZOg anolddesip op 1n2u s,zapuar 01 p3afgns zamou0g riq uasogo aq pegs a0USZnsu1 alit 2utptnozd za aOUBmsup 3U,I, •uso1 all 3o uual aj1 2upnp auego Imo saoualuas $utpaoazd agp of lilensznd sazinbaz zapuaZ 1EtTM •sannbaz zapua-I 1Et1 spopad alp zoj pile (stanal atgponpap 2uppnpui) sli mOuzs all in pauIslupsm aq pets °oilmznsup spl,I, •a0USZnsup sannbaz zapuaZ gotlim zoj `spooT; pus sa3lenbnlzea '01 palpunt 1ou lnq `RutpnJOUt smug zagpo AilE pile „`a5ezanoo papualxa„ uual alp UttpIM papnpui spIEZEI `am ssoj tsupeSe pains11 Alzadozd all uo moan zap;sazag JO 5uppspxa Mou sIuautanozduzp aqp claw! pegs 10M011013 •aOUSansul £laado.td 'S •usoj sup 11!M UotIOauuoO ut zapuaZ pasn aop uas 2uppzodaz zo /pus uoppBOIJpan xsp almisa 'eat s zoj amp autf -auo E And 01 zam0zzog azpnbaz Arm zapuaZ •1 uoploas sup up anogs quoj las suoppoe ag1jo 010111 JO OUO 0/EI. z0 uall alp zJsples pegs zam0zzog `uanp2 st aoplou 1et1 g0!1M uo alup alp jo sAup 0i utLi1iM •uapl ».,.s V' lit ram Y *JO 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 Prolierty 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 000685054980 6A(WY) (0005).01 Page 7 of 15 Initials: 076 Form 3051 1/01 LO /L LSOE WJOu 1.0 :s eiliu� 9 t )o g abed LO (9000) (AM)V9-%Igo 08690989000 •pun;ai ,fie o; aanonog al ;r;ua ;ou ;um Amp put! 'aaueansai a3e31ioyt1 ao; amo ;um aatoaaog ;unouIg ag; amnion; ;ou cite s;aautaaa3e gons •ueo'; au; ;o stun; nag ;o Aug s0 'aaueansuI a3e31a0m; ao; fed o; pan de set; aamoiiog Imp s ;unouie aq; pa ;g ;ou ;um s ;uauraade tans Buy (e) :lamina •aouginsupi ani;duo„ pauual uago st ;i0To1a3ueire am `Joinsut acre of mud sumtuzaad am to arems u 10l a3Togmoxa Tot xsu s,iainsut ami ;o areIs a swig; iapuaZ to aietr!J3g Tog Teml saptnoid luauraadu coons 31 sass(); 3urnnpai 10 ?Isti s,iainsui a3g3uour 0141 3uiAltp0ur 10 2ui.iggs i0; 03uutpxa ut `aougansul a3u3uoj io; s ;uamAgd s,iamoiiog jo uoruod g (se paztialogreqo aq 11431ui io) moil anuap ;gm spnoun (SCpoaitput JO ripoaztp) anraoai Amu `3uco3ai0l aml;o Jfuu to °Tel glu Aug i0 `A;pia 1014;0 Aug `iainsutai Aug `iainsuc iamioue 'alON am jo .iasgpoind Aug `iapua7 `s ;uauiaade asaml jo ;Hnsai g sy (sumtuiaid 00ueinsui a3g3uow wog pauTolgo spun; apnput Amu goit 0 ;qu ;tgng aneg Amu i0insu; a3e3u0To1 aml ;gm spun; ;o a0mos Aiu 3utsn s;uaurAud avul of iamsut a2e3uoum am aimbai Arta sluaumai3e asagi, *manmade asaml 01 (satugd s0) Sind i014Jo am pug iainsuc a3g3uouc 0141 o; /(io ;og ;st ;gs are ;gm suompuoo pug sum; uo are manmade asam,T, *sass(); aonpai .co `31st imp jtpom z0 aregs ;gm sapigd iamlo tptH sluaffiaai3e mu; lama Amu pug 'aural 01 amp umoi; aoi0; Tot aoueinsui coons ;To Too }Isu Imo; itaml aWn;gna slain!! a3e2liow •0oueinsu; a3g3uow am 01 A1i d g 1ou st 1 M0.it0g •paaau SE ugo7 aj1 Agdai 1ou saop iamoii0g It moU! Sulu 1! sass(); utguao .to; (a;oN 0141 sasepoind imp Amua Aug io) aapua-i sasinquitai aOuginsur a3g31.IoJ •a1oN aqi Tot paptnoid ales a141 le ;swam! /Cud o1 uot1g2; ;qo s,iamoiiog wage p; uouoas situ u; 3uppoN •Mei argent ;ddy paimbai st uotlgumual uiun JO not ;gutuual coons io; 3utpnoid i0pu0'; pug iam0iiog uaaMlaq mautaai3g uO ;UM )Cut m11M aougpmoog xi; spun aouemsuJ a3g3u0JA io; ivauIaimbai s,iapuar; ;pun `an10sai ssol arqupunlai -uou u apcnoid 01 JO '1o0; 10 ut aouginsu; a3u3uow ucglulum o; paimbai summiaid 0141 iced ;Toms i0m0iiog `a0uuinsui a3u3u0JAI .to; suintuiaid aml precool sluauiAed palgu2isap A;alu.redas axgui o1 p0iinbai SEM .1 MoJJog pug Togo- am 3up1em jo not ;tpuoo g se aouginsu; a3g3uoys paimbai iapual li •aouginsui a2u3uoyCT io; suintuca.id 0141 memo; maul/cud palgu3tsap S ;algiudas saimbai iapuaT pue `paurelgo sc `a!qu ;Tung saulooaq ute3g iapun'; ,Cq paloaps iainsuc ug Aq paptnoid saimbai iapua'r lug; pound am io; pue Junoure a p ut) a3gi0n00 0oueinsui a3g3u0JA ;c sluauiAed aniasai sso; aitnbai ia3uo; ou ueo iapua'I 'aniasai ssol coons Too s3uture0 JO 150101ii Aug 10M011Og Agd O3 paimbai aq iou hems iapua'i pug `;;nj Tot mud AmmunTn st ugo' amt ;gm Joel am; 3utpuu;smluMlou `a;qupun;0i -uou aq Hugs OIUOSai ssoj 143nS •a0ueinsui a3u to nat; ui aniasai sSO; 0;gepun;ai -uou a se s ;uaur(gd asa14; U 201 pug asn ;da00u ;;IM iapua'i •Jon ;a Tot aq of pasuao 03g19A00 aougmsut 0141 uaIM anp aiaM Tem1 sluaui1Ced paleutsap Spluigdas am to ;unite am iapun'; 01 pied 01 anutluoo ;Toms iaMOiiog `algEjtgng 1ou st a2Rianoo a0uginsUJ a3u31i0JA ;To0Tonmb0 'iilgtlueisgns ;i •iapun-; Aq pa1o010s iainsuc a3glioul a;gii01To Tog moil 'papa Tot Ilsnotnaid aOueinsuJ a2g2lioy4 am to IaMOiiog o1 1800 am of 1uaIRnmba A ;Igclueisgns 1soo g 1e 'mama uc d;snolnaid aouginsui a3g410V am 01 ;uaJnmba Auepug ;stns 03g10A03 utg ;go 01 paimbai sumtutaid ail iced Hugs JOMOiiog `aouginsul 13e31.toyfr io; summIaid 0141 pigMO1 s;uauiiCud palgu3tsap A1aigredas axeui Ol paimbai SEM 13MOiiog pue aouginsut Bons papcnoid AIsnotnaid 1gg1 iainsuc a3e3u0ui 0141 ur0i; a1quuung aq 01 sasg0o iapuo paimbai a3gi0nOO aouginsu; a3u$iioj amt 'uoseai )lug col `3I 'lalla Tot aougmsu; a3g3110J4 0141 UToluuur 01 paimbai sumtuiaid 0141 Agd Hums IOMOIIOH `11001 0141 3unHeui ;o uompuoo u sg a0uginsuI a3e31io;A; paimbai i0pual li •a0ueansuI a3e3 ;aoyAT •pj 3uciuM Tot ia3iam am101 sawi3g iapua'r ssa;un alma! Jou 1u14s arm Dal 0141 pug p;o14asu01 0111 `Aliadoid 0141 01 am; 00J saimbog iaMOiiog ;I •0sea; agi ;o suocstnoid am HE m1!M SOLI. oo ;Tugs iaMOiiog `P1oipse0; u Too si luaumilsui Aliin0as scm lI 1 omSud 3uc1s0nbai JO/410110g 01 iapua'i moil aopou uodn `;saia; lions 14lcM 'alqrArd aq TTo14s pug luaurasingscp to aigp am; won ales O ;ON a141 1e ;swam! igaq ;Togs slunouiu asam,i, •luaumilsur Altinoas stmt painoas i0M0ii0g jo ;clap Touocicppu omooaq TTo14s 6 ToOi10as siml iapun iapun'; Aq pasingsip slunotuu Auy •6 u0i10as stmt iapun pazuom;ng suotlou HE io Acre 3ut);e1 mu io; Alt ;cquc; ou mom iapual 1g141 paai3u Si 1r •os op o1 uocle31Tgo JO Amp /cue iapun lou Si pug os op 01 9ng1410i saop iapua7 `6 u0cloas stmt iapun uotl0e win ACeu1 IOpua'I 143n011 ;y '330 io 110 pawn; saptJtln angq pug `suocltpuoo snoia3uep i0 suotlu ;ocn apOo ia141() io 3uiPlmq 0leutulila `sadid moil ia11M uieip `smopmm pug scoop do pigoq i0 aouldai `sxooj 03ue140 `sitgdai Ovur ()1 efuodoid 0141 $utialua `01 paltulil 1011 st inq `sapnput A;iadoid 0141 3111in0as •3uipaaooid So;dnilugq g Tot uotltsod painoas s11 3utpnput `ivaumilsu4 Alcin0as sigi iapun 51143t1 iCliadoid a141 Tot ;swam! sit loalOid 01 spa; ,s,iauiollg (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. 000685054980 6A(WY) (0005).01 Page 9 of 15 Initials: 078 Form 3051 1/01 L0 /L LSOE Wi0I 640 SIei ;iu1 4LlO0Le LO (5000( (AM)Y9-� 0861790989000 1uautnzlsul Aipnoas sup zapun luatuaztnbaz Sutpuodsauoo am Sjstfes Ili& fuatuazmbaz mri ajquouddy aril `mu ajgeotlddy zapun paztnbaz osju s1 ivatunzlsul Aiunoas sup. Aq paztnbaz aopou AuE 31 •zapuaZ Aq pantaoaz AilEnlou !pun zapuaZ of uant8 uaaq aneq of pauiaap aq fou Hugs fuatunzlsul Aftznoas sup tlltm uopoauuoo ut aotiou Aud •zamozzog of aotlou Aq ssazppe zagiouU paluu2tsap sett zapuaZ ssajun ulazaq palms ssazppe s,zapuaj 01 put ssup lug Aq it Sutjtetzt Aq zo it 8utzantlap Aq uant8 aq Ijegs zapuaZ of aotlou Auy atoll auo Aug lE ivatunzisul Alunoas sup zapun ssazppe aotlou pafeuStsap auo Apo aq Amu watt', •ampaoozd pagtoads 3Etj1 g8nortli ssazppe jo aSurego u izodaz Aluo hugs zamozzog ua p `ssazppe jo a2u qo s,za&0zzog Sutlzodaz zoj aznpaoozd u sagtoads zapuaZ 3I •ssazppe jo aSuggo szamozzog jo zapuaZ AjTou Apdwoid jlegs zamozzog •zapuaZ of aotiou Aq ssazppe aotlou afnitisgns a paleu8tsap sett zamozzog ssajun ssaippy Aizadozd alp aq hugs ssazppe aotlou atjl •ast&za saztnbaz Aissazdxa me-I ajquotjddy ssajun Szamozzog Ile of aotiou ainitisuoo Hugs zamozzog auo Aue of aopoN •streatu _taw Aq leas 3t ssazppe aotlou Szamozzog o1 pazanttap Atlenlou uagm JO HMI SSEIO ISZg Aq mum uagm zamozzog of uani2 uaaq aneg 01 patuaap aq Hugs fuaumzlsul Altznoas sup tntm u0poattuoo ut zamozzog o1 aotiou Aud •8ujltzm ut aq lsntu luauttufsut Alunoas sup tlitm uopoaUuoo ut zapuaZ z0 zamozzog Aq uant8 saopou Hy •saa 3ONi •si •a8zegozano tons Jo lno 2utstzE aneq lg$tuI zamozzog uotlag J01g2tz Attu i0 zaA M g ainitisuoo 'pm zamozzog 01 luau iCud maim Aq am' puma' gons Cu u jo aoueldaooE szamozzog •(aloNl am zapun zoj paptnozd st a8zego fuatuXedazd E 1011 JO zat;iagm) amp luaus gdazd Aug lnotptm 2uatuAEdazd Iemud E sg pal1azl aq 'pm uoponpaz aq1 `Iudtouud saonpaz punlaz E 31 •zamozzog of 2uatuAed foaztp E 2ut)IEtu Aq zo aloN 3141 zapun pamo Iudtouud atlf Sutonpaz Aq pmgaz sup avut 01 asoot o Aetu zapuaZ •zamozzog o1 paputgaz aq Iltm Sltmti pallttzuad papaaoxa gotgm zamozzog wag paloalloo Apeazjg sums Aug (q) puE :itlutj paftuLI d alp 01 a8zugo aril aonpaz o1 Azussaoau lunotuu aril Aq paonpaz aq hugs a81Ego mot pus Aug (e) :uatp `shell pallttUZad OLD paaoxa ug0' aq1 gitm uotloauuoo 111 paloalloo aq 0i JO paloalloo saS1Ego uEOJ zatjlo zo lsazalut agi 1ut{1 os palazdzalut AjJEUt st muj 10141 puu `saSzetlo ueol mutat=e= seas gotgm mut E of loafgns st tte0Z ag13I *Awl ajgeotjddy Aq z0 luaumz1SUI Altznoas strip Aq paitgtgozd Ajssazdxa alE 1Eg1 saaj amp mu Amu zapuaZ •aaj gons 3o SutS1Ego aril uo uotltgttjozd E SE panzisuoo aq loo, Timis zamozzog of aaj ogtoads E amp 0f fttatutulsul Aitznoas sup 11! Aitzoglnu ssazdxa jo aouasgq 3142 `saaj zaglo Attu 01 pzuSaz tq •533j uotientun pure uOpoadsut Alzadozd `saaj ,sAattzoi3E `01 paftmtl mu mg `Sutpnjout luatunzfsul Aitznoas sup zapun s1g8tz pug A2zadozd att1 ut isazalut s,zapua' Supoalozd jo asodznd 0141 zoj `fjnEjap szamozzog glum uopoauuoo ut patuzojzad saoln3as zo3 saaj zamozzog aSIEtjo Amu zapuaZ •saSzetD wog •bi •zapuaZ Jo suStssE pug sIOSSaootlS 0141 lgauaq pug (0Z uotioas ut paptnozd sE idaoxa) putq sings luatunzlsul Alunoas step 3o slttatuaa1SE puE s1UEUanoo aqj •Sutlum ut asuajaz gons 01 saaz2E zapuaZ ssajtm luatutulsul Altman sup zapun Aug!' pue suouestjgo Szamozzog tu0z3 pasuataz aq 2011 IIEgs zamozzog •luaumzlSU1 Aitznoas 51141 zapun slt.auaq pu0 si1Sl1 Szamozzog Jo HE u1Elgo Hugs `zapuaZ Aq panozddE st pug `Sutltzm 11 1 luatunzlsul Altznoas sup zapun suotleStjgo mamma satunssE ogm zamozzog JO lsazaiUI 111 IOSS000US Aug `8I u0tioas 3o suotsunozd alp 01 loafgns •1uas1103 S,zau81S -03 alp lnoglt& atom aril zo fuatutulsul Allmon Sup ;o suual aril 01 p1E2az glum SuotlEpOUIU10ooE Aug quilt JO zeagzo; `A3iPout `puma o1 33180 1100 zamozzog zagl0 AuE pug zapuaZ 10141 saaz8u (o) pure :luatunzisul Altman sup. Aq pamoas sums aril AEd of palEBtjgo Aljeuoszad fou st (q) :luauUnzisul Aitznoas strip l0 stttza am zapun Aizadozd aril ut lsazafu! s,zauSts -co alp Aanuoo pure ulna `08081zouu of Apo ivaunulsul Simms Stull 8utu81s -oo sI (e) „zau8ts -oo„ e) aION 0141 ainoaxa 1011 saop 1ng luaunulsui Aliznoas sup suSts -03 ogm zamozzog Atm `zanamoH •IEZanas pure lutof aq hugs Alum!' puu suopo8tjgo Szamozzog 10941 saa150 pure sltreuanoo zamozzog •punog sU8!SSV pee szossaoons tszaUSts off :Altjtgef lezanas pue lutof •£i •Apatuaz 10 148p Atre 3o aStozaxa am apnjoazd JO JO zantEm E aq 1011 imp `anp 110112 lunotu0 alp IEg1 ssaj slu1Otu0 ut JO zamozzog jo Isazalu' ut szossaoons JO satitlua `suoszad p1p 1 tuozj sluau1AEd jo aouoida000 s,zapua' `uot1Eitunt Inoriltm `8utpnlout Apatuaz JO 1118tz Aue 8u1slozaxa ut zapuaZ Aq aouuzuagzol Aud •zamozzog 3o Isazafu' ut szossaoons Aue zo zamozzog IEut8uo aqi Aq aputu puetuap Atre jo uoseaz Ag luatunzlsul Altznoas strip Aq pamoas stuns am Jo uOt1EZtIIOttre A astmzaglo z0 luaUTAEd zol. aural puaixa o1 asnjaz 01 JO zamozzog JO isazalut ui zossaoons AUE 2511102E s2ulPaaoozd aouatutuoo 01 paztnbaz aq 1ou 110145 zapuaZ •z0m0z1011 to isazalut 111 szossaoons Acre z0 zamozzog jo Amulet' am aseajaz 01 aluado fou Ins zamozzog 30 Isamu' tt1 zossaoons Attu _to zamozzog of zapuaZ Aq palue12 1UOUII zlsul Allmon sup Aq pamoas stuns ari13o uOUEZpzoutg jo U011OOgtpout z0 fuautAgd zol atoll alp Jo uotsuaixg •aantEM a 3OM zapuaZ Ag aauezeagzo3 tpasEajaa loN zamozzog •zi oat. ft eTh 0 80 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 000685054980 6AIWY) (0005).01 C9 Initials: Page 11 of 15 Form 3051 1/01 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of "any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. 000685054980 CD- 6AIWY) (0005).01 Page 12 of 15 Initials: 081 Form 3051 1/01 LO /L L90£ 'mod :Sie11iu1 g L 10 E L aged L012000) (AM)v9 086t'90989000 lutuzoJiM jo smsl uo!1duzaxa peaisauzoq alp jo anutn sq pus iapun sl15u Ile santem pus sonata.' zamozzog •saanteM •;,Z msZ aiggotiddd zapun panmuad st aaj alp jo 5ut5zsgo aq1 pus pazapuaz scot u s zoj. Sued pztg1 s o; peed s! aaj alp 3t /quo inq `luaunulsui'ltznaas stgl 2utssataz zoj aaj a zamozzog alzego Situ! zapua •s)soo uotlspzooaz Attu Aced Ilegs zamoUog •luaunulsui AiltznoaS sup aseaiaz !legs zapuar; `1uaunuisui Ai1pnoas sup Al pains sums LIE jo ivatuiced uodn •aseajag •£Z ;t o; pal ;t ;ua Afiieaai suosiad ao uosaad ag; o; ssaaxa Sue (a) pue :;uauma ;suj if ;imaas spy sq painaas sums IIe o; (q) :saaj ,sdauao ;e aigeuoseaa 'o pa ;tzar; ;ou ;TN '31gpnput 'ales aq; jo sasuadxa lie o; (e) :aapao $uiMOIIoj agl ut paiidde aq ;egg is aq; jo spaaaoad aqi 'ales Afue ;e Af ;aadoid aq; asegaand Sum aaugtsap si! .10 aapual •Anal aIgeatiddd Afq pagpasaad aauueui aq; ut Nos aq ;legs ,f ;aadoad ag; pue 'ales jo aat;ou ag; gsilgnd 11e11s aapual •Sj not ;aas ut paptnoad mum= aq; ui aannoa.zog o; ales aq; jo aat;ou anti Hem aapual •ANel aiquaiidd7 g ;ten aaugpaoaae ut ';uaaaj31P 3t 'Af;aadoad ag; jo uotssassod ui uosaad ag; o; pug aannoaaog o; asopaa03 0; ;ua ;uz jo aat ;ou ant;I ;egs aapual 'ales jo aaMod ag; SWAM -Tap ua'I 3I •aauaptna ai ;I; jo s;soa pue saaj ,sAfauao; ;e aigeuossaa 'o; pa ;twit; ;ou ;nq '3uipniaui 'ZZ not ;aas stq; ut paptnoad saipauiaa aq; 2umsand u! paamaut sasuadxa lie PaHoa o; pal ;t ;ua aq ;legs aapual *mei aiquaiiddv £q paptuuad satpamaa aaq ;o Sue pun ales jo aaMod aq; amonut Afem pue puemap aag;.mj ;nogpAi ;uazuna;suj Af ;tmaas stg; sq paanoas sums He 3o IIn3 ut ;uazuAfed a;gtpaunzn aaznbaa few not ;do s ;t ;e aapual 'aaz ;ou ag; ut paz3pads a ;ep ag; aaojaq ao uo palm ;oil st ;;nejap ag; 31 .ales pue not;eaaIaaag o; aaMoaaog jo asuajap aag ;o Sue ao ;Inejap jo aaua;stxa -uou am passe o; wipe ;moa a 2utaq o; ;Op aq; pun not ;eaa;aaae as ;3e a ;e;sutaa o; ;Op ag; jo aan%oaaog uzaoju! aaq ;anj ;jags aat;ou aq,L •Spadoad aq; jo ales pue ;uazuna ;suj Af;Pnaas sup £q pa.maas sums am jo not ;eaalaaae ut ;;nsaa Sfezu aat ;ou aq; ut patjpads amp aq; aaojaq ao uo ;;nepap aq; in o; aan11ej ;eq; (p) pue :patio aq ;snzu ;;nepap ag; gatgnM Sq 'aannoaaog o; uant3 st aat ;ou ag; amp ag; zuoa3 sAfep 0£ neq; ssal ;ou 'amp a (a) :;lnejap aq; am3 o; paatnbaa notpe aq; (q) ;Inejap aq; (e) :SjPads j ;eqs aagou aqj •(astnnaag ;o saptnoad ►nel a;geagddv ssa;un gj notpas aapun not ;eaa;aaae o; aotad ;ou ;nq) ;uazuna;suj Af ;uanaas stg; ut ;uauzaaage ao ;ueuanoa Sue jo meant S 1 A%0aaog Butmolloj not ;eaalaaae o; aopd aaMoaaog o; aat;ou ants iiggs .zapuai •satpazuag :uot ;eaalaaaV •ZZ :sMOIIOJ SE aai2s pue lueuanoo zaqun3 zapual pus zamouog 'S.LNVIsIgAOO IA11101INf1-NON LO /L LSOE WJOI IaMOIIOg- (i I0M0110g- (ipas) 1aMOI]Og- (ipas) 1aMOlto (IpaS) E80 171 11 ut 141vdr 5t 1O171. e6ed IaMOIIOg- (teaS) I2M011og- (i 1aM0I70g- (ie to (AM)1/9 0861790989000 sassau1IM 1i 1.11Im paplooaz pre zaMO.uog sq painoaxa Jam Jim ut pue luauiansui SlunoaS sup u! pautpluoo slueuanoo pup suual au1 01 SOOAR pup sldaooe iMO.1.1O11 `MO'IRS JNINOIS AEI or s'% f -)1 r .r. a V'rYl. STATE OF WYOMING, Tet The foregoing instrument was acknowledged before me this 14th day of February, 2001 by Sean M. H i l l My Commission Expires: 9/12/03 000685054980 6A(WY) (0005).01 County ss: Notary Public Initials: Page 15 of 15 Form 3051 1 /01 084 Borrower: Sean M. Hill Property: 977 Saddle Drive, Etna, WY 83118 Loan No: 000685054980 Closing Date: February 15, 2001 LOT 71 OF NORDIC RANCHES DIVISION NO. 5, LINCOLN COUNTY, WYOMING, ACCORDING TO THAT PLAT FILED AUGUST 9, 1994 AS INSTRUMENT NO. 787904, PLAT NO. 311 -D. SCHEDULE "A" (LASER PRO. Reg. U.S. Pat, T.M.Ott.. Version 2.0.8.70401 1997 CFI PreSenecas, leo. All Rights Reserved. SCHA 10/28/971 085