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HomeMy WebLinkAbout871905Return To: Prepared By: Sharon Walker i 1300 R FACIE a 9 6 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 February 23, 2001 together with all Riders to this document. (B) "Borrower" is Richard Haderlie and Cinda C Haderlie, Husband and Wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is Major Mortgage Lender is a A Wyoming Corporation organized and existing under the laws of (p 6(WY) (0005) Page 1 of 16 MW 05/00 VMP MORTGAGE FORMS (800)521 -7291 871905 [Space Above This Line For Recording Data] MORTGAGE Wyoming R VED LINCOLN lO' OL J' i CLER HADERLIE, R2 AF 1061283 WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 11 1 1 11 1 I LOIL LSOE WJOJ �v vv :S!B„!U! [toads] (s)Iag10 ioP12I AIlund b t Iapnu atuog pumas g t ;o Z aged 190001 (AM)9- 88Z1901 3V Z? '3I1l30VH •ddSd2l zapun „Uoi a2u$lioul pomp.' 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TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the County of Lincoln [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Part of Section 9, T34N R119W of the 6th P.M., Lincoln County, Wyoming being more particularly described as follows: BEGINNING at the SE corner of said SE1 /4NE1/4, thence North 180 feet; thence West 150 feet; thence South 180 feet; thence East 150 feet to the POINT OF BEGINNING. Parcel ID Number: 12-34190910012700 which currently has the address of 2745 County Road 125 [street] Thayne [City] Wyoming 83127 [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 COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this HADERLIE, R2 AF -6(WY) (0005) 1061283 Page 3 of 15 Initials: Form 3051 1/01 398 L0 /L 190E wJOJ 66C g 40 eBnd (9000i (AM)9- CIO 88ZT90Z 3d al '3I1H3OVH siunou m alp `alquAed aaatM pie uagm `Alioai p /isd ails aaMoaaog `aanlrM tans jo liana alt ul •Suglim ut aq ,iluo ARM annum tons Auy •aural'iuu lr swag mama ge JO Aure aoj spund aapun o3 pied o3 uolls211go s,aaMoaaog anteM Amu aapun •su191I Moaosg Its JO /iur aoj spund at1 tied of uopeEtlgo s,aamoaaog santem iapuai ssatun small Moaosg aoj spund all iapuai iced is iamotiog •notions sttl aapun pled aq of stunourr jo saonou tlu aapua-1 of lsluanj Apdutoad tugs aaM0aaog 'wan moiosg us aq Ilsgs spuatussasse pus saaj `sanp Bons pue `zamouog paMOJOSO aq 'Aue 3l `sivauussassy pue `sand `sang uogepossy Alluntuutop 3st3 annbaa Asut aapun `uso' all jo uraa3 all 2uunp autp Aug re so UOpsul;Iu0 Iy „•sutall mo1osg„ palluo aae swag asatl, •0i uotloas Jo suotslnoad all twit aourpa000s ul sunguaaad aousansui ageRtiow jo tuatrhd aq3 jo nag ut aapua-I of aamoaaog ,iq algehd stuns ,its so �ftue 3l `surnnuard aotreansul aSeRuow (p) pue S uotloas aapun aapun iiq pannbaa aousmsut IIe pus Niue aoj =mutant (o) Nitre 3l `Alaadoad all uo swat punoaa JO s3uauuAud plotasso! 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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 HADERLIE, R2 AF 1061283 -6(WY) moos) Page 5 of 15 Form 3051 1/01 t1lM `anp uapl 1ou 1O latlagM 'luaumllsul 'Clunoas sttl Act pampas sums ot1 o1 patiddg aq imp spaa3o1d 03uglnsut ag1 'pauassai aq pinoM Altlnoas s,lapua' JO ajgtsga3 iijipOnuouooa lou st Medal 10 uotle1o1sal ail 3I •zamonog jo uotle alos otp aq hugs pug spaaoozd aouglnsut ail jo 1no pied aq lou imp 1am0Uog paun i `sallied pzttl imp 10 'sJoisnfpe otignd 1o3 sood •spaaoozd Bons uo autulea 10 lsazalu! 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Lions gltm `aiggked aq iigts pug luautaszngstp 3o app ail 111013 a1e1 plop 3111 lg palalut nag iiggs slunoutg aSOUJ •luaU1n11sul Alunoas sttl dq pampas 10M0ii0g JO lgap immune atuooaq Ilgts g uot1Oas sttl lapun lapual Aq pasingstp slunot m Aud •pautgigo angg promo zamozzog 1gti1 aOUgznsui 3o 1so3 at1 p000xa Spugo!!JtuSts 1q2 nu poutglgo os a2e1OA03 aOUgznsu! at1 3o 1soO at1 1et1 sapaimoulOg zaMOZZOg •1oa33a uI ,Cisn0tnald svm ugtll ag1 A0O zassaj 10 1ale312 apinold ltgtcu pug Aug!' JO pzezet VII Aug lsutgi3e 'Auadold ail 3o slualuoo am 10 `A11ad0zd ail ut 1ilmba s,zaMolzog `1amo11og loalo1d I OU Writ' 10 lggna1 lnq 'lppua-I 1anoo llggs aglan0o tons 'a10Ja1aU. j •a2elan0O 3o lunoUle 10 adA1 1elnoU1ed Aug aset Ind o1 uotlaggo ou lapun st lapua' •asuadxa mamonog pug uotldo s,zppua -j 1g 'ammo oouglnsul utelgo lapua- `anogg paquosap sag1 AOO 0t1 30 dire urelutguz 01 sitg3 1am0110g 3I •1amouog uotloofgo ug wag 2unlnsai uotlgutuualap auoz poor Aug 3o Matnal alp tit t uot1Oauuoo u! Aoua y luauta$eu JA Aoua2lauzg lvapod pill Act pasodutt saa3 Aug 3o luatuAgd alp 1o3 aigtsuodsai aq osig iiggs 1amo11og •uotleouploo zo uotluutuualap tans 1oa33g lg2ttu Atgguosgal t31tjM zmmoo sa2UetO 1gMMUUS 10 sSutddeulaz puij to sal luanbasgns pug saotn.Ias uotluOgtuao pug uotlgumualap auoz poou 103 aI Ip auItl -auo a (q) 10 :saOtnlas 5uppe11 pug uotlgouplao `uotlgulaualap auoz poog 103 a nto OUIil -0110 g (e) :lamp `Ueol st111 trim uotloauuoO ut 1aAO11og annbal �Cgtu Jopua-I Ilgguosgalun pasi3laxa oq IOU !Tugs 1g3u tpttM `aototp s,lamOnog ano1ddgstp o1 1tO!1 s,lapua-I o1 1Oafgns 1aM0110a uasoto aq !Tuts a3Ug1nsut at1 2ulp1/ m1d 1au1go aOU 1nsu1 OUJ •uuo-I atl 3o =al all 8ut1np amp ugO saoualuas gulpaoazd at1 01 lugnsznd saztnbaz zapua-1 1gtJ saztnbaz 1apup' 1gg1 spouad at1 1o3 pug (spna! aigtlonpap Sutpnput) slunot 1 otp ut paupluptu aq Iiggs aOUelnsut sttl,L •aOUglnsut saztnbaz lapuai 1 O1iM 103 'spoog pug savnbtuga '01 pal!Ultl lou lnq '2utpnput splezet zatllo Aug pug „'02gzan03 papualxp„ uual ail uttltm papnput swum 'mu ssoi lsutg2g poinsut Auadold at1 uo poloala 1a13eaIat 10 $utlstxa Mou sluatuanoldUI! ail claw! Begs 1amo11og •a3ueansuI ,flaadoad •s ueoZ sup t1pp uofoauuoo ut lapua' rCq pasn aOtn13s 2utuodaz 10 /pug uotlgogtzan xg1 alma pal g 103 ag1ego otutl -auo g ,igd Ol 1aM0110g aztnbaz AMU zapua'J f' uot1Oas still ut anogg Iuo3 las suotlog at13o WOW JO am a3Te110 uatl ail £3stlgs Ins 1am0uog 'uanl2 st aotlou pt1 tottM UO MVP PT JO sAep (I uttl!M •uatl top 9 ;o 9 8Bed 4 moo) (AM19- C I90I 3d za '3I1d3GVH HADERLIE, R2 AF 1061283 -6(WY) (0005) Page 7 of 15 fEN r vq (rl%" Tr.C^ a V V Y 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 Init ials:�� Form 3051 1/01 L0 /L LgOE WJOd 9Lto8 e6ed (50001 (AM)9 88ZT9OT Jd ']I1f30VH •pun; a £ug o; aaMO uog al ;t ;ua ;ou Hpn& Sam pug 'a)Ugansul ageS;.uomi ao3 aMO mitt aaMOaaog ;unotug alp asgaaaui ;ou illa s ;uauraaagg gans •ueoq ag; jo suuaa; aaq ;o ,Cue so 'aautunsul agg2popj ion Sod o; paaaag sgg aaA40aa0g mil s ;unotug aq; ;aa33e ;ou ilia s ;uatuaaagg rpm Soy (e) :aatiund „•aougansutaa antldeo„ pauual uaiio si luatua treaae ag1 'aainsut am of pied sumtuuazd am 3o amp g io3 atiggoxa ut xsta s,aaansut am o amp E S W1E1 aapua-I o aletl!JJE ue 1eg1 sapinoad luatuuaaae Tits 3l •sassol WutOnpaa 10 'Asp s,zaansut aM1ouu am gui /ipouu ao 2ut.regs aoj auggOxa ut `aouEinsul aESuoyg aoj sluatuArd s,aaMOJIOg o uoluod g (SE pazua10 xrnp aq 1g2lux ao) map ant* legs slunotue (Apoanput JO ,fpoanp) antaoaa Arm 'duto$aioJ am Jo nitre 3o alEtlp3g Stun a0 `Amua aaglo fug `1amsuta.1 Aug `aamsut zagl0ug 'a1oN ag13o zasegoznd Sur `aapuaj `sluatuaaaE asatp 3o linsaa g sy •(sumtuuaid aougansul a2E2laoyv map pautelgo spunj apnput SEM tp!gm) aigEltgng aim' Arm zaznsui aMuoui atp mm spun3 3o aOanos Aug 2utsn sluatuArd a of zaansut a$Eguotu am annbaa AE111 sluau100a2E asatj •sluatuaaz3g asagl 01 (satugd .uo) Surd zaglo atll put zaansui aSeffuoum am 01 Aao1ogjstlgs ale legl suot1Tpuoo pug suual uo are sluatuaadE asatll, •sassol aOnpaa JO '}IsU nags jipour JO amp 3Egl sawed aaglo gl!At s3Uatuaaz$g olut aa1Ua hut pue 'amp 01 atutl room aoaoj ut aOUemsut tons iiE uo )IsU rem nags a1EnJEna saaansut a5g51om •aOtreansul a�E 2laoyAI am 01 Surd g lou st zamoaa0g •paaae se uROrl agl Ada' mu slop aam0za0g 3t mom Arm It sassol umpaa aoj (a1oN agi sasEgoand letll ,iltlua Xue zo) 1apua-I sasangtutaz aougansul a2B2ioi l aloN ag1 ut papinoad am am le maim! /igd o1 uopaiigo s,aamoaaog slOaj3E 0i uotloas snp ut 2uigloN mg-I algeatlddd Act pannbai st uotlEUiuual 'pun a0 UO13 Uiuual gons z0j 2utpinoad zapua-I pug aam0.uog uaamlaq luatuaaae uallum Sue twit aOUep03Og ui spua aoUeznsul aag21101A1 10j 1Uatuannbaa s,aapua-I !pun `anaasaz ssoi aiggputpaa -uou g apptozd 01 so `1Oa33a ut aOUeansul agau0ySl ulgiumtu 01 pannbaa sumntuazd aql Agd iiegs aamoaaog `aOUnansul a2auow ao3 stun!tuaad am paemol s3uaurAEd palgugisap ,fplezedas aAetu 01 pannbai sem aam0za0g pun ue0 am &upieut o uot1Tpuo3 E se a3UEansuj agauow pannbaz aapua- 3l •aOUeansul agau0JA 10j sumiuuaid atll pemol sluaU1Aed paleuBtsap ifialmgdas sannbaz aapua-I pug `pautelgo st 'aigEiten" sauuooaq utg2e aapua-I Aq pa2Oaias zaznsut ue ,Cq papinoad (sannbaz aapua-I mtp pouad agl ao3 pug mot= am up agzanoo a0Ugansul agg5uoy%l Jt s1UatUiiEd anaasaz ssoi annbaz zauol ou Imo aapua-I •anaasaa ssoi gons uo stutuaea JO lsazalut drug aam0aaog ,Cgd 01 pannbaz aq 10u Uggs aapuai pue `llnj ut pied 1CIa1Eunlln st u o' aql Imp l3EJ ag1 3utpuElsgl1mlou 'aiggpunjaa -uou act imp amasaa ssoi gons •aoueansul aMiaoyyi Jo nag ut anaasaa ssoi aiggpunjaz -uou a se sluaui& d asagl mum pug asn `1daOOE Iiim aapuarl •1oaJ ;a ui aq 01 paseaO aReaanoO aOUeansui ag1 uagm anp aaam 1Eg1 sluauaed palgu$tsap AIa3Eagdas am Jo lunourE am aapua'I 01 pied o1 anupuoO i3Egs aamoazog `atgeipng 1ou st a5Ea0n0O aOUgansul a2E23OJAI lualgn!nba Aiiepuelsgns fl zapuaZ Aq pamaias Jammu! aMioum a1EUZa3jj tir map '1Oa3ja ui Aisnoinazd aOUEansul aSe2poyg am o aaM0110g 01 1S03 0111 01 1ualgninba Siiepnulsgns moo g 1g loajja ut iilsnotnaad aoueansul a2e210N am 01 luaigninba Allepuelsgns aeaanoo memo 01 pannbai sumt am /led jTegs aamoaaog `aougznsui aSapovi ao3 sumouazd aql paemol sluauiAEd paIEUaIsap Aialeagdas wpm 01 pannbai sem aamoaa0g pug aOUeansui gons papinoad iCjsnoinaid Imp aaansui a5e2iouu am map algnitnnE aq 01 saseao aapua-I Aq pannbaa aeaaA03 a0Ueansul a2r2uoN atp `uoseaz Sur a0j `3I •3Oajja ut aotreansul aM1oyg aq1 utelu!Etrr 01 pannbaz sumituaad aq1 Au Begs zamoaaog `Ug01 Om 2upmut o uotlipuOO g se a0Ueansul a2e2iow pannbai aapua'l 3I •aaugansul a3gfl;.uoyAi •0i lutltam ut Jai= at1101 saadn aapuaJ salon anti' 10u imp a11T1 aaj agl pug pl0gasgal agl ',i1adozd am 01 app aaJ saainbae aamoaa0g JI •asnai alp JO suOTsInoad agl HE tinm Aidtuoo Hugs aamoaaog 'plogasnai a uo Si luaturulsul Altanoas sigl 3I •luatudied Sutlsanbaa aamonog of zapua1 mop aotlou uodn 'Isamu! gons gum 'aigeAgd aq iTggs pue luatuasangstp Jo amp aq1 wog alga a3ON alp In lsaaalU! nag IIEgs slunoure asatu, •luatunalsul Animas spp paanoas aamoazog 3o lgap ieuotijppe atuooaq Hulls 6 u0poas snit aapun aapua-j iiq pasangsip stunotue iiuy •6 uop0as sm1 aapun pazuoging suopOE He JO fug &upinl lou ao3 Altpgnti ou sanout aapua1 mm paa1R3 si 1! •os op 01 U0tlaiigo 10 Amp JCue aapun lou st pug os op of aim 1ou slop zapuai `6 uotlaas sIgl aapun u0pPE axel Amu zapuaJ ggnogl1N •33o JO uo patunl satltitln angg pug `suoilipuoo snonStrep a0 suotlEioin apoo a31110 10 Swung a1 Uttuila `sadid map aalnm utgap `smoputm pug sloop do pagoq JO °anida' 'spot a$u np `sngdaa aAptu o1 Auadoad agl Sutaann `01 palnuti 1ou st 1nq `sapnpui ,ivadoad am $uianaas iuipaaOOZd iCOldnniuEq g ui uoIITsod paanoas s1t &utpnpui 'luatunalsul Altanoas s!g1 aapun sig2ta ao /pun ii1ad0ad agl ut lsaaalut slt 3Oaload o1 saa3 ,sAauaollg COP M -6(WY) mow 1 (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. HADERLIE, R2 AF 1061283 N. Initials Page 9 of 15 Form 3051 1/01 4 LO /L LSOS WAOJ S OP s�e!LiU) 0 1.4 he- O 9L JO 01. e6ed (9000) (Am)9- E8ZT9OT 3d '3I1213QVH luatuntisul i 1unoag sup .aapun luauiaimba.t autpuodsauoo a Ajspgs TTtm luatuatInbaa mg-1 alggogddy alp `Am algeoltddy aapun patInbal oslg.s1 luaunuisul Alunoas spp A paltnbai aopou Aug 3I •aapua-t ,iq pantaoat AIlgnlag !thin lapuaq of uant2 uaaq anew 01 patuaap aq 1011 !FT luamruisul Altmoas sttp t;itm uotioauuoo ut aotlou Auy •lamouog o1 aopiot Sq ssaippu Jagioug palguIsap sgq lapua-t ssalun utalaq pawls ssalppg s,lapua' o1 urm sop ls.ttj A 1! sutp ut A 10 it $ut.zantiap Aq uant aq hugs lapuaq 01 aopou Auy 'amp am Aug 1e luaultulsul AltanoaS spp aapun ssalppe aotlou paiguStsap auo /quo aq Amu a.tauj •alnpaoold pamoads Imp ggnoltp ssaippu 3o aSuego a l.lodai Stu() Hugs lantouog uagl `ssalppu 3o at'uego s,lamouog 2utuodat 1o3 alnpaooid a satjioads lapuaj 3I •ssalppg 3o aStrego s,lamouog 3o lapuaq Ajpou iCliduzoid imp lamotog •lapua-1 of aotlou A ssaappg aopou alnljlsgns u paluu2tsap seq lamouog ssalun ssalppy filmdozd aqi aq hags ssaippg aotlou atu, •astmiaglo salmbal Alssaidxa mg'j alggotlddy ssalun SIOMOJJOU HE 01 aotlou alnitlsuoo TTggs 1 M0110g auo Aug 01 aotloN •sueatu 1a ,iq was 3T ssalppg aotlou s,lamollog 01 pato /glop AIlgn.og uagm s0 umn solo .s1t3 Aq palreu! uagm 1 M0110g o1 uant2 uaaq aim! 01 pauzaap aq TTggs luatunllsut ,ilunoaS stag plum uotioauuoo ut lamouog 01 03t1011 Iiuy Supunt ut aq lsnui luatunaisul 'ClunoaS stgl t111m uotloauuoo up aapuari JO lamotog A uant2 saotl0u ITY saalloN •Si •a2lggolano wits 3o 1no &upstlg aneg warm 1 M0110g uofog 3o 114 !1 Aug 3o lantgm g alnitlsuoo Item 1aM0110g of 111011IXEd loaatp Aq opal! punjaz gons Aug 3o aougldaoog s,lamo11og •(a1oN ag1 aapun 1o3 paptnold s1 ag.tego luau/Maid g 1011 10 zaglagm) a2rego luau/Maid Aug lnogltm luau /Maid Igtuud a se pagan aq Hint uo!Ionpal alp `lgdtouud saonpai punjai a 3l •lamou0g o1 .uatu iud 1oaltp u 5ut)leut ,iq 10 a1ON alp aapun panto lgd!ou11d alp 2utonpaa A punJal stgi algtu 01 asoogo hut aapua-1 •1amouog o1 papunjaa aq lltm sltuttl pa11n111ad papaaoxa gotgm aamouog wog pa.oalloo Apuaalg sums Aug (q) pug :1111n1 payntuod ag101 a8rego am aonpaa o1 £lgssaoau itmotuu at i q paonpal aq imp a2.1Ego ugol gons Aug (e) :uatll `sltuttl pa111tu1ad agi paaoxa uU0J aqi tp!m uopoautoo 111 paloalloo aq 01 10 papa saamtio ugol 1ag10 so 1sa1alul alp 1eg1 os palaadlalut J Hgup s1 mgt Imp pug `saalugo ugol umultxguz slas gotgm mgt u of loafgns s1 ueo.1 a T13I mg-t algeotlddy Aq so luatuntlsut iii!lnoaS stg1,iq paitgtgoid'ilssaidxa a1g 1etp saa3 a2lggo 1ou but lapua-t •aaJ dons 3o 2utglugo ag1 uo uotitgtgoid g sg pantlsuoo aq 1ou !Imp 1amo11og o1 aa3 °moods g a2aggo 01 2Uatun1lsut Jiltlnoas sppy ul iiluoging ssaidxa 3o aouasgg agl `saa3 1atllo Aug 01 p1eia1 xi! •saa3 uotignlgn pug uopoadsut ,fuadoid `saa3 ,sAauloug `01 palm!! 1ou lnq 'gutpnlon! `luatunllsut IilunoaS spp aapun s2gg11 pug Cuadold a p ut lsalalut s,lapual 2utloalold 3o asodlnd alp ao3 `llnwJap s,lant0uog tptm uotloauuoo ui pauuojlad saotnlas 103 saa3 1amo11og aWlego but lapua-t •safl.ggo uuo7 •PT •lapuarl 3o su8tssg pug slossaoons atp 1tjauaq pure (0Z uopoaS 111 papt■old se idaoxa) put(' dugs luauznllsul A1lanoas spy 3o sluatuaal8e pug s111e110n03 ally •2utltlm ut asgalal gons o1 saal2g lapuai ssalun .uaUtn11sul Alunoas stgi aapun Alum!! pug suopeSTpgo s,lamouog 11!013 pasualal aq 1ou HET 1amo11og •luatutulsut iilunoag sItp aapun s1Jauaq pug slggu s,1am011og 3 IIe ulgigo Hap `lapua-1 ,iq panoldde s1 pure `Sru11um ut luatunt.sut 1 1floaS spy aapun suotlg$tlgo s,lam0u0g satunsse 01.1m Jamouog JO lsalalut ut 10ssaoonS Aug '81 uotloaS 3o suotstnold alp 01 loafgng •1uasuoo s,lautts -00 aqi lnogltm a1oN am 10 luamtulsut AltanoaS stgl 3o stuul atp o1 pre2a1 tptnt suopgpotutu000g Aug aIgut 10 maw! `Aj1Potu 'puma 01 aaag ueo lamouog laglo Aug pug aapuyZ le saaau (o) pure :luau1nzlsul iilunoas stgi A palnoas sutras am pied o1 palgff!igO Ailguosiad 1ou st (q) :ivatutuisul JC1tlnoaS spp 3o sunai aql aapun ,Cuadold ag1 u! 1sa1a1ut s,lau2Is -oo aqi ,ian1103 pug snug `agg5uout 01 Auto luatutuisul JCitlnoaS spp 5upu5!s -oo s! (g) 1au21s -oo„ g) a10N aqi alnoaxa loU swop 1ng luatunllsut IflunoaS sitp sats -oo oqm 1am0uog Aug `lanamog •Iglanas pug lutof aq ITggs i2tltggtl pug suollgsplgo s,lamouog.Imp saalgg pug sluguanoo 1amo11og •punog su3Issy pug saossaaans :s1auSTs -0D :Amgen Igaanas pug ;utor •£i •Apatual JO 1112t1,Cue 3o astolaxa aqi apnloald 10 JO lanrem g aq 1ou ITggs `anp uagl lunotug a uetp ssal siunoure tit 10 1amo110g 3o 1sa1a1ul ut slossaoons 10 sat111ua `suoslad p1Ig1 wog s1Uatu1igd 3o aougldaoog s,lapua-1 `uotlg1TmlT lnogltm 'Sutpnlout Jpautai 10 i112t1 Aug 2ulspoaaxa u! lapua-t A aougigaglo3 ,iuy •lamouog 3o 1satalul 111 slossaoons Aug 10 1amo11og leu011o am A apgm puetuap Aug 3o 110seal A luaumllsul' tuns spp iCq palnoas sums am 3o 110tigzluotue /Wow astnuagio 10 luaus igd 103 atop. pualxa o1 asnjal 01 10 1amo110g 3o 1sa1a1ul ut lossaoonS ,iure lsulu2e s8utpaaooid aouatuuz03 01 paambat aq 1011 Ilggs lapuoi •1am0110g 30 lsalalut up slossaoons Aug 10 1am0uog 3 XiTITgeII agl asgalal 01 alzlad0 10u !FT 1ant0110g 3o 1sa1a1ul u! lossaoonS Aug Io 1aMallOg 01 lapuaj paiure13 lua1m11sut Aitanoas spp A palnoas stuns aj13o uotiurtuoure 3o uopgogtpotu 10 1uatuhd 103 auttl am 3o uotsualxg •aanlgM g ;oN aapua7 Ag amminagio3 :pasualag ;oN .tamoaaog •zi 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 HADERLIE, R2 AF -6(WY) 100o5) 1061283 Page 11 of 15 initials: 1..0 406 Form 3051 1/01 LOU Lgo£ WJOJ 1. op s)ep)u( 91. to Z L eBed (2000) (AM)9 Qlfv 88ZI90I JV 3ITflOVH dnugalj lgluauntolinug ug 103 lapual uo uope211go Aug aluai° lluus uta1aq SutulpN 'Awl lnluatuu0nnug Minn aou pl000e ut suopon Inpatua1 Li ssaoau Hu ail iCpdtuoid guns zaMOuog /fzessaoau st /fuadold at112utloaJp aounlsgns snopiuzeH Aug jo uotl13ipatual Jain° 10 lunotua1 Sue lute /fund algnud Aug 10 `I 1uoulnu /f1olgjnWal io juluatttulan0 Sur Xq pagtlou st 1O 'sttlnal 1aMO11og 31 /fuadold au1 3o anl13n am sl0aJp /flaslanp13 u0tuM aouglsgns snopluzgH jo asgapi 1O asn `aouasaid ail /fq pasngo uotltpuoo /fug (o) pug 'aouglsgns snop nzuH Aug jo asualal 3o 1ga1u1 10 as13alal `aaleuostp `Sut)l13ai `2utlitds Aug '03 palttl lou lnq Sutpnput uotltpuo3 I13luatuu0ltnug Aug (q) `aapaIMou) mum suq 1aMo110H uatuM JO M13l Igluatuuoltnug 10 aouulsgns snopinzEH /ftm puu /fuadold atll 5utnlonut /fund al13nud 10 /f0110gg /f1oleln2al JO jnluatutuano2 /fun Cq uotlou iat o 10 1tnsMnl `puuuiap 'tut13p `uotlegtlsanut Aug (u) JO a0t1Ou ua11uM iapual ant$ Alldt110ld jlugs 1aMo11og •(slonpold zatunsuoo ut saounlsgns snopiuzgu 'ol poluutl lou 1nq '2utpnput) /fuadold au1 jo aouuualutuuz 03 pug sasn 113tluaptsa1 Iguuou o1 alupdoiddg aq o1 paztu2ooal /fIlulaua2 are 1g111 s0011g1sg21s snopIzgH Jo satltlunnb gnus jo /fuadold alp uo OS13101s 10 `asn `aouasaid aq1 of /f1dd13 lou imp saoualuas oMl 2utpaoatd aq1, •/fuadozd alp 3o awn am wage ,ilasJanpn 1eg1 uotltpuoo n saleaao 'aouulsgns snopreznH 13 30 aseapz 10 `asn 'aouasaid ag1 o1 anp `tpttTM (o) 10 `uoptpuoJ I13luautu0llnug ug saran tptgM (q) `M13l Inluatuu0ltnug /fu133o uotlnlotn UT st leul (n) /fuadold atll 2up0a33g 8uttp,fun 'op 03 asp auo /fun Molls IOU `op 1ou lletls 1am0110g /fuadold at 1 ut 10 1J0 `saou13lsgns snop113z13H CUR asuala.t o1 1 1 0113a1u1 10 `sa0u131sgns snopzuzBH Aug 3o asgala1 10 '08u101s 'lgsodstp `asn 'aouasaid au1 lttulad 10 asng0 lou pugs 10M0110g •dnugaiD lnluatuuoltnug ug .1082p3 as!M10tllo 10 '01 alnquluo0 'osnuo u130 Imp uotltpuoo g Rigout uotltpu03 I13luatuuaunug„ uu (p) pug :mil I13luatuuoltnug ut pautJap sn `110!13E len0tuat JO `uotlou mama.' 'uotlag asuodsai /fug sapnlout „dnugal3 1131uatuuoltnug„ (o) '.uotloalold igluatuu0llnua 10 /flaps `ullnatl 01 01E101 113111 palu0ol st /fuadold ag1 azat4M uotl0tpsunf ag1 Jo shut pun smut 1131apa3 small „M13l lgluatttu01tnug„ (q) :sl13ualgtu anpo13otpel pug `ap &tlaplguuoj 10 solsagsu 8ututelu00 slnual13tu `sluanlos altl13lon 'sapt0tglaq pug sapptlsad 01x01 `slonpozd uznalozlad 0Ixo1 10 ajggttutte13 1au10 `auas010) 'aullosg8 :saounlsgns 8ut.MOit03 ail pug Mnl InluautuOnnug /fq sals1M 10 `sluglnllod `saounlsgns snoplgzgu 10 0!x01 sg pautjap saougisgns asoul 011 „saouglsgns snopinz13H„ (g) :jl uotloas sup ut pasn sy •saaue;sgns snopaez1H 'TZ 'OZ uotloas sup 3o suotsinOld uojl0g an 0)1131 02 /fltunlloddo pug a0tlou ail '3stlgs o1 patuaap aq llgtls 8 uop0as o1 lugnsznd 1aM0u0g of uant$ u0131310J00013 3o a0tlou am tu13 ZZ uotloas 01 lttenslnd zaMOZZOg of u0A18 auto 01 /fltunuoddo pug uo111310Ja0o13 3o a0tlou 011,1, 'ud1318131ed sup jo sasodlnd 1oj ajgeuosnoi aq 01 patuaap aq !um pouad amp 113i1 'ualn aq ueo 110t10g ut131100 alojaq asdnla lsnut uouph pouad atoll g sapinozd M13l alggotlddy 3I TOME ant10a1100 win 02 a0tlou tons jo 8utnl2 at11 1x1313 pouad alg13uoseat n 0101011 /fund zaglo alp papzo33e puu u0galg paWallu gons jo (SI uotloas 3O sluatualtnbaz am g1IM aounidtuo0 ut uanl8 a0tlou gons t1IM) Sind 1ag10 au1 patJilou suu lapual .10 10M0110g gons !pun 'luatzullsui /f1un0as still '3o uos13a1 /fq paMO Amp are 10 `3O uotstnold Aug pag013a1q snu ii1red 1au3o alp Imp sa8allu 113u1 10 luatutulsui /f1t1n0as sup 01 1u13nslnd suotl0g sdiu13d Iat110 011 tt1013 sasuu 11381 (sop n 30 lagtuatu at11 10 111 u8jltl Innptntput u13 1auua su) uotl0t: mourn(' Aug 01 pautof aq 1O utof `00uatuttto0 Aga' 1apual IOU 1aM0110g 1atlltaN •1as13uolnd °1oN au1 Cq paptnozd astMlaglo ssalun zasetpand a1oN ag1 /fq pautnss13 1ou 0113 pug laotnlas u13ol zossa00ns u o1 pauajsug11 aq z0 1a0!AIOS ug0l am mph utgtua.' II!M 1aMO.uog o1 suop138ggo guppuas u13o1 a ail `alof at3 Jo lasntlolnd ag1 uug11ag301a0tn1as wog g /fq pa0!Mas Si u13o1 ail 101313010111 pug P1os sI aloN ail 3I lutopuas 30 1ajsu1313 30 a0tlou 13 mph uotl0auuo0 ut saltnbal 408 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. HADERLIE, R2 AF -6(WY) moos) 1061283 Page 13 of 15 Initials: Form 3051 1/01 LO /L 640E WJOI i amouog- (igas) (was) iamouog- (igos) (was) .amouog- (igas) 9 L )o b l e8ed r 88ZT9OT 3V Zi `3I32:13avH iamouog- lamouog- iamouog- (t (9000) (AM)9 sassaultm 1t tftm papioaaa pug zamonog ,iq painaaxa iaptj Aug ut pug luaum.zlsui A1pnoas sup ut pautgluoa sluguanoa pug slum alp of saat2g pug sldaaag aamoiiog `MO'Igg ONINOIS M1 STATE OF WYOMING, Lincoln County ss: The foregoing instrument was acknowledged before me this February 23, 2001 by Ri chard Haderlie and Cinda C Haderlie My Commission Expires: 3 0 Lt HADERLIE, R2 AF 1061283 (Sp (0005) il■P 144 Or 1 .r W X171 .r.++r 4.s `3 1. 0 Page 15 of 15 Initials: Form 3051 1/01