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HomeMy WebLinkAbout871854I0 /I ISO£ •isa.raiui snjd `ivaum.'isui Xirmoag srgi .spun anp sums jje pue `aioN alp .spun anp sa.n go aieu pue sa$.ngo luauri(eda.rd ,fur `isaiaiui snjd `aioN alp Aq paouapina igap otp sueaui „uuo'i„ (3) aqi ui sipg jo JaJsuei1„ 2uipeag gip .spun Mouaq pagizosap si Tap Apadoad alp sum ,f;aadoad„ (a) T 0 Z T HO2IVN uegl Iaiej iou jjnj ui igap aqi ,Ced of pue sivaUTIied oipouad mina.' ui Nap sup ,Ced of pasiu and seq .zaMOZrog •isa.raiui snjd 00 006 'IL S n) S-ielto(I 00T/00 aNY aH2iaMnH SNIN aMKSt1OH, aNO- AZNZARS .rapuaJ saw) nmo.uog iegi saieis aioN agZ 100 Z '9Z AIIIMHSH.LI pomp pug J MO.uog ,Cq paugis aiou X.iossiwo.'d aqi sueam „a;oN„ (Q) •ivau'naisui Xpinoas sup .spun aae5iiour alp si .iapuaJ T06Z8 AM 'SDNIEdS 1100H 'MMUS 2ISZNHO MAHON ooZ si ssa.'ppe s,.Japua-i Yo22iawv .3o SzvZs azZINn 3o SAM agi .spun 5upsixa pue paztumaro NoizY2toattoz e sT Tapua7 •9I uopoas ut popinoid osje a.re luaumoop saga in pasn sp.mM Jo aesn agi 3uip i i soul.' uiei.1a0 •IZ Pug N'81 £I suoiioas ui paurdap are sp.zoM aagio pue Mojaq pauimap a'e luaumoop sigi jo suoiioas aidiijnm ui pasn spzoM =xaezu'ri gS0Hia STOTMSAH =HSBNf'N NVO'I TIaSAH c Hobo Nd r �xooH L r..� TOOZ '9Z A2iYn2iaH3 UDV9ZUO1/11 [ma luipaoaaH JO4 aura sjgy anoq' aauds] V101 L 8 0002/40/tt X,LA•UCMTQ000 (sa8vd Z[fo r aSvd) IAMtnJOU LN3NIIIiI LSNI J 1O3INf1 aeIN a!PPa.tdfaeyN a►uae3 ,(laue3 0ISU S ONINIOAM ?INYS 'IKNOIZYN zS2ti.3 A.INLINNOo sT. (j) •ivaum.'Isui ,iiimoas sup .spun io2r5iTour alp si .zMOZTOg 'Ammao2ta 3LY!YaHS aNY a'IOS SIH SY 'TIHSAH N3TIY ?1211iN sr aaAtoaaog„ (g) •ivaumoop sup of slapnj 11r girM .ragia2oi pomp si gouim `ivaumoop sup sueam ;uaulna;sui ,f ;ianaas„ (y) T06Z8 AM 'SOMILias MOOZL zSSiizS HMINHO HSHON 00Z ?INKS 'IYNOLINN zS2II3 AzINIINNOD :01 uaniag $uiplooag .'aiJv rid 133Y311011 it7q F 110#1 all$S3.'4fl E�Z 4 0'wrung 'O 7777 SW 539b91YUGtl iO'30UI 33S atIV 3 SKI SSA 4 o 3syin3Y 19 s SNOLLINIARG U L G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 0 Adjustable Rate Rider Balloon Rider O 1 -4 Family Rider TRANSFER OF RIGHTS IN THE PROPERTY SEE LEGAL ATTACHED. Condominium Rider Planned Unit Development Rider Other(s) [specify] Second Home Rider Biweekly Payment Rider (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY (Type of Recording Jurisdiction) of LINCOLN (Name of Recording Jurisdiction) which currently has the address of 1912 DEL RIO DRIVE KE!ff ERER ,Wyoming 83101 [City] [Zip Code] [Street] "Property Address WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 DOCU1WY2 (Page 2 of 12 pages) DOCUIWY2.VTX 11/04/2000 J Al ..r r 0 r rr 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. A11 replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is Lawfully seized of the estate hereby conveyed .and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non- uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made 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. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1 /01 DOCUIWY3 (Page 3 of 12 pages) DOCV1WY3.vTx 11joeia000 279 required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. 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'an Sq ssoj psuig211 paInsui Slladold all uo pataal0 1214112104 JO Suilsixa Mou s1UaUlanoldun all dams 11114s IOMOIIOH •aaueansui S ;aado.id •S •u1o' SI41 q1!M uopOauuoO U1 Japual Sq pasn aainaaS 2ui110daI Jo /pup u01111OTJuan x111 2111162 feat 11 104 amp auip -auo 1 Sud 01 12MO11Og gimbal Seat Iapuo-1 b uoi1O0s sits ui °nogg 41104 pas suoila1 04140 °lout l0 OLIO 2)'111 10 1104 ow S4sp1s'tugs 12MO.log `U2ni5 si aail0u 11141 3 A 41.4, 81 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 attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1 /01 DOCUIWY6 (Page 6 of 12 pages) DOCU1WY6.VTX 11/04/2000 MK IRK m. 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Ja3Ua ,cetu pug 'awn 03 autj3 wag a0J03 ut aOuumsui gons Ile uo xstJ Iu3o3 nag3 aienlena &lamsut age2310 A 'aou1Jnsul aSuSpoini agi o3 X3JUd u ion st JOM011Og 'poo.12r se ueo-1 agi /iedai Sou saop nMO.uog 3! mow ,Guru 1! sassol UIe3Jao 103 (0301 aq3 saseg0Jnd nip ,C3i3ua Xt u Jo) Japua7 sas.tngtuiaJ a0uemsul a$e$SJOw 'a3 agi ut papinOld am agi 311 3Sa1a3ut Iced 01 uoi1ailgo maMOJJOg 53003311 pi uotI0as 5143 ui 2UIg3oN 'mu-1 alquoilddy /Cq paiinbai Si Uot3eUiuua3 Ii3un Jo u0131Uttu103 gons 103 2uipinoJd Japua-1 pue IOMOJJOg uaam3aq 3uautaa1gu ua331JM /cue g11M a0uep.to0oe ui spua aOU1Jnsul a2e23JOw 103 3uautaJinbaJ s,Japua' ltiun `0A10S0J ssol alqupunJaJ -uou a apino.td 01 JO `30 ui aOU1Insul a2a3JOyg uiu3uieut o3 paJtnbal sutnituaJd am /Cud hugs JOMOJJOg `a0U1.tnsul aa3JOyq 103 stunitua.td agi pJUmoi s3uaunced paie0isap /ila31Jedas aim o3 palinbai s1M JaMOJJOg pin U1O'l alp ilutluut 3o uotitpuoo a se a0uemsul 01? 3JOw paiinbai JapuaJ 31 'a0U1JnsUl aile pom! Jo3 sutniulaad alp pflMO3 s3uaut1ied paieuaisap /CIa3e1edas saunbai Japua7 pug `pauieigo si `alquliene sautooaq uiae Japua-1 iq pa30a1as Jaansui ue ,Cq papino.td (sa.ttnbai Japua-13eg3 poiaad agi'JO3 pue 3unotue am Ui) 0 1?10A00 a0U0Jnsul aff1S1JOjs 3i s3uaui/Cud 0AJOSOJ 5501 aJinbaJ Ja2uol ou ueo Japua-1 '0AJOS01 SSOJ gons uo auiu1ea JO 3saaa3ui /Cue JaMOJJOg Ice 01 pa1inbaJ aq iou Hugs Japua-1 pue `iin3 ui mud 4la3euti2In Si ueo' am imp i0u3 am 2uipue1sg1tMiou `algepunjal -uou aq hugs OAJOSOJ SSOI gons •a0uuansul age23JOw 3o nail ut 0AJOS0J SSOI algepunjal -uou u se sivaui1Ced asap utuia1 puu asn `3da000 IIIM Japuaq •300330 ui aq o3 pasua0 0 1?10A00 a0uumsui alp ua4M anp 0JOM 3eg3 swain/cud pa3uu2isap 1Cla3u1Udas aq3 3o lUnoate agi Japua'l of Iced 01 anuiiuoo IIe1S 10MOJJ0g `alg1liene Sou si 020.10A00 aOU1Jnsul a2ai1OyQ 3ualuninba IIlui3uuisgns 31 'Japua l /Cq paIOalas Ja.tnsut aReil3JOUt 0100103le ue ttt0J3 `i0a33a ui 4lsnoina1d a0trunsui 0205310J/ agi 3o JOMOJJOg o3 3S00 agi 03 Iualuninba ,Cgeiiueisgns 3S00 u 311 'papa ui ,CIsnOinald a0ue.tnsal a5e21JOjs agi 000Z/1 XSA•LRMtt1000 (sa8vd Z! fo L a8vd) LAMt0JOa Lri3l�it1 I LSNI IARIO1INII aeI I atppa13/a' J I atuue3 ,CIIU1 d aIJTaS D IIIAIOAAt v. 4 J.`r •.AM 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. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights,and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 voCUlwYS (Page 8 of 12 pages) DOCUIWY6.VTx 11/04/2000 I0 /I IOC W. jo 1sarzma all o1 zoud °will Awe 1B panuiluoostp luatunzpsul Alimoas sup jo luauuaoiojua anug o1142u ag1 anmq hugs zamozzog `suolltpuoo uiulzaQ sharp zaMOZZOH 3l •uotpaaiaaay aalJy alelsuiag o; ;Om !U mannoaaog •6T •aaMO.t.tog UO puutuap JO aotlOU tagitn3 lnoglim luatunzlsul /Cl sup Aq palltuttad satpauuaz ,Cut alonu! 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SuuanHap Xq uanJS aq Hulls .tapua' 01 aoilou i(uy •°toil auo Cum lg luaumzosul ,Clunoas sigp .tapUn ssa.tppu aoilou paluuSisap auo iiluo aq Amu azagJ •ampaoozd pagtoads Imp iSnozgl ssazppu 30 aSuBgo u lzodaz Aluo hugs.amozzog uago `ssazppu 3o aSuugo s,zam0110a 2UillOd0.1 .to3 aznpaoozd u sagioads zapuaJ 3I ssazppB Jo amp mam0ZZOg jo zapua7 Xjgou /Clldtuozd Hugs zaMOZZOg •zapua-1 01 aoilou Aq ssa.zppu aot10U alnlilsgns u paluuSisap gni aaMO.ttog ssalun ssazppy JClzadozd aq1 aq Hugs ssazppu aoilou atu •asimza po sazinbaz Aissazdxa Mu'I alquailddy salon szamOZZOg Hu o1 aoilou a1n1i1suoo Hugs .taMOZtog auo Atm 01 aoiloN sum zag10 Xq loos 3i ssa.tppu aoilou S,zaMOIJOg o1 paianilap XIIun1Qg uagm .to Hutu solo ISJTJ Aq pa[iutt uagm IQ/AO-HOE( 01 Uan12 uaaq anug o1 patuaap aq Hugs luauunzlsul C1 moos sup g11M uotooauuoo 0t JaMO.uog o1 aoilou Airy •5uppm ui aq Ism luauunzlsul ,Clianoas sup grim uoiloauuoo ui zapua-I 10 zaMOIJOg xq uaniS saopou uv •saailoM •SI •a2zm1QZano gons 30 ono Suisi.tm angq 1g2iut .taMOZtog uopou 30 1112u Cum TO .taniuM B a1n1i1suoo Him zaMOZZOg o1 1uauuAud maim Aq aputu puma! lions Awe To aouuldaoou s,zaMOZZOg •(a2oN alp zapun .to3 paptnozd st amp luauu CEdazd u IOU JO zag1agm) an go luatuXmdazd Suu lnoglIM luauu,Cudazd IuPaud m sg paluall aq Ilim u0ponpaz atp `pdiouud saonpaz putga' u JI •zamozzog o1 luauti 1 d map') B SuDIutu Xq .to a1oN aq1 zapun pamo Iudtouud aq1 Suionpaz Aq puma! sup alum o1 asoogo Amu .tapua-I •zamozzog 01 papunjai aq IIIM spur!' paluimzad papaaoxa gottlm zaMOIJOH uuoz3 pa1Qalloo ,Cpgazp stuns Attu (q) pug `.Burl' palotuund ag101 amp atp aonpaz of ,Cuussaoau lunoumm gip iCq pampa! aq Hugs aSIggo uuol gons Aug (B) :uag1 'shun' pallimzad aql paaoxa umo'j aq1 g11M uoi1Qauuoo ut pa1Qa[Ioo aq 01 10 pa1QaIIoo sa lm i° uuol Iaglo z0 lsazalui alp Imp os palazdzalui CHgug Si MuI Imp put `saSng° ugol tontuixum slas goigm Mlj u o1 loafgns si uuo' ag13I •mr r alquoilddy Aq JO 1Uatunzlsul Alunoas sup Sq papigigozd ,Clssazdxa azm 1m111 saaj a31Blo mu Amu IapuaJ •aaj gons jo Su!Szugo all uo uoiligtgozd u sr panzlsuoo aq 100 Hugs zamozzog o1 aaJ ogtoads u amp of luaumzlsul /ilunoas sup ui ,Cluoglnu ssazdxa 3o aouasqu all 'sag zag10 000L /b0 /TT =A 61M2nOOa (sa8vd ZT.To 6 a 6AMTfJOQ .LNi3L1i(12I.LSNII moans I anx arPPa.z3/a'L11 anmg3 ,Cinued ai�S 9MPIOAM 1 y.�r '_4 (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 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 WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 nocuiwrio (Page 10 of 12 pages) DOCV1WYA.VTX 11/04/2000 v .a►. `r 4,41 286 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. 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. WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT DOCUIWYII (Page 11 of 12 pages) DOCUXWra.V0x 11/04/2000 Form 3051 1/01 0E h..t'M -d v BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. laa 0 Pam ALLEN HYSELL (Seal) (Seal) Borrower Borrower STATE OF WYOMING COUNTY OF LINCOLN The foregoing instrument was acknowledged before me by HYSELL, AS HIS SOLE AND SEPARATE PROPERTY, this 26TH DOCU1 WY 12 COUNTY OF LINCOLN DOCU1WYC.VTX 11/04/2000 day of Witness my hand and official seal. API AA. 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