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HomeMy WebLinkAbout871673Return To: tI This Mor'gsge MORTCACEe OLD KENT MORTGAGE COMPANY ATTN: FINAL DOCUMENTATION P.O. BOX 204 GRAND RAPIDS, MI 49502 -0476 Prepared By: OLD KENT MORTGAGE COMPANY 7310 NORTH 16TH STREET SUITE 300 PHOENIX, AZ 85020 -5256 Loan No. 35277422 [1958440] [Space Above This Line For Recording Data] DEFINITIONS WYOMING-Single Family -Fa ®6A(WY) (0005).01 Page 1 of 15 VMP MORTGAGE FORMS (800)521 -7291 Initia 106a01wy.0101r 871673 MORTGAGE RECEIVED LINCOLN COUNTY CLERK W 1300K PR PAGE 5 MIN 1000142 1014008459 8 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 12th, 200 with all Riders to this document. er "is JASON C. SHARP AND KATHERINE SHARP, HUSBAND AND WIFE 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. ieMae /FreddieMac UNIFORMINSTRUMENTWITH MERS Form 3051 1/01 1 Stf 10 /1 150E wiod IOtit'99641 ZZ1'LL5 •VdSRN Japan „Item aSe; aaoui pateiai S11eJapa;„ e se A;tlenb toll saop ueoi agt ;l uana „um( aNe;Itaow prep.' 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Ataadoad aqt sueaw „413d041„ (d) T E 0 Z 'I u uegl Jam toll Thu tit map aq3 ,Cud of pue stuaw/Ced atpotaad Jeln;IaJ ul Igap slit ,fed Ot paspuoad seq Jamming "salami snid 0 0 5 0 66 'S'fl) saellOQ 00T /ON Pup 1CS3Id QNvSIIOHI 2I1103 AIHNIN Japua' SOMO J3M0JJ0g tegt S9te3S atom a I1 100 Z ZT .C2pnige3 pomp pug JaMOJJOg Act pauSTs atoll bosslwoJd agt stream „atoN„ (a) OZ098 ZEt 'XINHOHd ODE SSIf1S ',I.azzus H19T NIHON OTEL St ssaappe s,Japua1 NYJIHOINI 30 S LYJ S SRI ;o sMei aq) Japan Supsixa pue paztueSio NOI LY Od2IOO N`di3IHOIW a sT Japua3 ANYdWOO aDVD,1,110141 max Q'IO sl „Japua 11 (a) (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 LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 69 OF THE PALIS PARK SUBDIVISION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. Parcel ID Number: 37182940302000 which currently has the address of 206 WEST MILL CIRCLE [Street] ALPINE [City] Wyoming 83128- [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. 6A(WY) (0005).01 106a03wy.0101r Page 3 of 15 Initials: 35277422 [1958440] S Form 3051 1/01 j 5 9 40/4 450£ mod I014 ZZPLLZ5£ emu' g Joy °Bed ii0I0•A+60e90I 1 •SINVNgA00 YA2I0,dINf1 X0•(9000) (Mh -4 0 saunowe ayI 'ajge (ed atayM pue uayM '/fpaailp ,Ced IIEgs JaMoJog 'JanteM vans jo pima ay) ul •SulaiJM u1 aq /Cluo /Cew JanteM Lions Aud •auto ,Cue )e swaal MoJasg IIE Jo /Cue Jo3 spund Japual o) iced oa uopegngo S,JaMOJJOg aAteM /CEw Japual •Swaal MoJasg HE to /Cue Jo3 spund ayI iced Oa uongSggo S,J3MOJJOg S3ATEM Japual ssajun stria)! MoJasg Jo3 spund aya Japual /fed rim JaMoJJog •uopaaS sal Japun pied aq o) saunome jo saallou IIE Japual 0a ysluan3 ,Cndwotd pegs JaMoJJog luau MoJasg ue aq IIEgs sauawssasse pug saa3 'sanp yaps pug 'JaMouog /fq pam0Jasa aq '/Cue il 's)uawssassd pue 'stag `sang uopepossd /f)lunwwo0 aeg) atlnbat /Cm Japual 'ueo'j aLi) jo atal aya Supnp amp ,fug 4e Jo uollgui5po ad ;swan MoJasg„ papa 3Je swan asatl, •pl uopaaS 3o suolslnoJd ay) ga3M aauepJoaag UI smmmaJd aaugansui aSegpol,j jo auau/CEd ay) jo nall ul aapual oa taMoJJog ,Cg ajge/CEd suns he Jo '/Cue 3l 'smnlwatd aaueJnsul adlaOly (p) pug :5 uopaaS Japun Japual /Cq pattnbaa aaugansul Be pue /Cue Jo3 swnlwaad (a) :Sue 3l '/C)JadoJd ayI uo Rua' punoJS Jo s)uam/Ced pioyaseal (q) :/()Jadotd am uo aaueagwnaua 10 uall E SE juawnJ)sul /f)i naas Sly) JaAO /fapopd wem uga gajgM swam aaga0 pug Sauawssass pUE Saxe) (e) :Joj anp saunowe jo )uaw,fed Jo3 apinotd o) („spund„ aq)) u ns a 'lin3 ul pled s1 a)oN aqa mun 'a)oN aqa Japun anp ate s)Uaw/Ced alpopad /Cup all uo aapua'l oa iced Heys JaMOaa0g 'small mimosa Jo spund •sauaw/Ced alpopad aqa jo 'mom aq) auEya so 'alep anp aya auodlsod J0 puma jou um a3ON aqa Japun anp IEdpupd o) spaaaoJd Sn0auejp3sll/iJ JO 'spaaaoad aaueansul 'sauaw/Ced jo uoneandde Cu /d •a)0N amt ul pagpasap se uay) pug salleya juaw/fedatd /Cue o) 3 U palldde aq jieys sauaw/fedaad /Cag)unjoA •anp saaieg3 am he o) palldde aq hut ssaaxa vans 's)Uaw/Ced alpopad atom J0 no jo )uaw/fgd IIn3 ago oa palldde s1 luau/cud am aaaue s)slxa ssaaxa /Cue mil lua)xa aye o j tin; ul pled aq uea Iuau,Ced taea '30gl aualxa ay) oa pug '31 sauaw/(ed alpolaad ay) jo Iuau/Cedat am oa JaMOJJOg MOST panlaaaJ )uaw/CEd ,Cu e ,C1dde AMU Japual '2ulpueasano sl IUaw/Ced alpolaad no ueq) at0111 3I •aa eta a30I aq) pug luau/Ced )uanbullap am oa palldde aq Sew pinged ay) 'anp a5Jeya am he Cod oa )unowo )uapl33ns e sapnpul palaM IUam/fed alpopad )uanbullap a Jo3 J3M0JJ0E1 1110J3 auau,Ced E sanlaaat tapual 3l a)oN aq1 jo aaueleq IEdpupd ay) aanpai 0a uay) pug 'IuawnJlsul /ClpnaaS sal Japun anp saunowg Jagao I UE 01 puoaas 'saVigg3 am oa Isi13 palldde aq IIEgs S)Un0mO SUIUIewa1 /CUV •anp amEaaq )I ya tim tin Japmm ay) UI auawJ od alp °pad pea O) palldde aq Hells swam/fed yanS uopaaS Japun anp saunowe (a) :a)oN ay) Japun anp jedpuppd (q) :a3ON aqi tapun anp )sataaul (e) :/Clpopd jo Japao u!Mo1Io3 alp ul palldde aq Begs Japual /Cq palldde pug pa)daaae sauaw/Ced IIE 'z uopaaS sly) u1 pagpasap asp/pap, se adaaxg •spaaooad Jo sluaWI 0d 3o uopeollddy •Z •luawfJlsul /C)Imaas sal /Cq patinas sauawaaJ2e pug s)uguanoa ag) Vulwao3Jad JO IuawnJasul /C)pnaaS spill l pug aaoN am Japun anp s)Uau/fgd 5upjew wag JaMoJJog anatjat Hap Japual IsU1e& atn)n3 ayI ul J0 Mou aneq ay5lw J aMoJJog ya tim wl0p Jo aas33O oN •atnsopaJo3 0I topd AIa)emPawwl aaoN am Japun aauejeq Iedpupd 2ulpueas)no ayI OI palldde aq IIIM spunj yaps 'aajpea palldde lou 31 •tam0JJOg o) ma1a maw Jo spunj yanS Siddg Jag)la Bets Japual 'awn 3o popad alquuoseai E tawwIM os op Iou sanp JaMoJJog 3j •auaiana UEO•l am Wupq oa lunged salew JaMoJJog !Hun spunj patjdduun pons ploy /Cew Japual spunj pallddeun uo asaJaaul /Cud )ou paau Japual uagl 'amp anp pajnpatps S)I 3o SE palldde s1 auaw/Ced a!Popad 'pea 3l paada33E tae saua3u ed Lions amp ay) 30 sluaw,Ced tans /Cldde OI paadllgo aou sl Japual anq 'atnan3 ay) 0! sluaw/fed je JO )uaw/Ced yaps asnjat 0) s)g23J sal OI aalpnfaJd Jo Japunatag saggp Aug 30 JOATEM lnogl3M 'manna 0001 ayI Supq 0) aual3B3nsu1 auaw/Ced iepped Jo )uatuXed Aue )(lane /few aapua•l •auauna ueo•l aq) Supq oa Iuap1J3nsul aJe sluaw,CEd Iepted JO luau/Cud am 3l luaw/CEd jellied t0 luaw,ced /Cue mural Amu Japuai •g! uopaaS ul suolslnoJd aal)ou at) mink aa10PJOaae ul Japual /fq paaeuRlsap aq /Cow se Uot3030l Jalpo yaps )E 10 a)oN ay) ut paleuVjsap 00111030j ay) )e panlaaaJ Ua(M Japual ,fq panlaaaJ pawaap aJe Sauaw,CEd •JaJsuelJ spung aluo1pajg (p) Jo :/falaua J0 '/Calle)uawf1asul `,faua2e Ietapa3 e /fq paJnsul 31E s)lsodap aSOLiM 110011395al ue uodn UMEJp sit 43ay3 tans /fUO papinotd 'pap s,talyse3 JO raga S,tatnseat) 'pap lug(' Vag3 pat; (a) :Ja ,Cauow (q) :gm (e) :Japual /(q pa)aajas se 'suuoj UIM0Ij03 ay) 3o atom Jo auo ul apew aq )Uawngsuj /f)pnaas sal puE a)oN ay) Japun anp s)uau/CEd auanbasgns He Jo /Cue )0113 aJlnbaJ /few JapUai 'plgdun JapUa1 0) p0UJ13)9J ST IuamnJasuj /fapnaaS sty) 10 03ON ago Japun )Uaw/Cgd se Japual /Cq panlaaaJ auawnJ)sul lam J0 pap AIM 3l 'JanaM011 •tfaua1Jna •s•11 u apart aq Hells Iuawntlsul /()ltnaaS 5311) !mu a)oN ayI Japun anp sauaw/Ced uopaaS oa )Uensand swan MoJasg to3 spunj iced oslg Begs JaMoJJog •03ON ayl tapun anp Sag1eg3 am pug saSJEya auaw/Cudatd /Cue puE aloN ayI /Cq paauaprna map am 'Ito )saJa)ui pug '3o j0dpu3Jd ayI anp uayM iced !legs JaMOttog •sa$asy0 aWEi pug 'saBlegD Iuaw/iedald 'small mama Isamu' 'judlOUlld Jo luaw/i0d •I :sMollo3 SE 001V0 puE 31.10110A03 Japual !me JOMOJJO 6A(WY) (0005).01 106a05wy.0101r Page 5 of 15 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 deemed 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 35277422 11958440] Form 3051 1/01 1. On 1.90E wand (0M7996 L1 ZZ4LLZ9£ SL to g a6ed g3jM 'anp uag3 jou 10 aag3agM yua u1u3suI halms sjt3 A palnaas sums am of pajidde aq jjegs spaaaoad aauelnsul aq3 'pauassaj aq mom Swims s,lapuarl so aigisea3 CilEajmouoaa 30U sj Medal so uoljelojsaa am 3I •JaMOalog jo napalm) Nos aq aq ;legs pue spaaaold aauelnsuj am jo ;110 pied aq 3ou jjegs 19MO110g ,(q paujei9a 'sawed p11g3 amp 10 `saajsnfpe atignd 1o3 saag spaaaoad Bans uo s &ujuaea 10 3S31911/1 Sue JaMO110g Seel of p9ajnbal aq lot; jjegs 19pua i 'spaaaold aauelnsuj tans uo pied aq of Isamu; saljnbaa Me'i ajgeallddy 10 WumaM u; apEw sI 3uaw9aaVe tie ssajun •papjthuoa sI )j10M am se s3UautCed ss31S01d jo sajaas a uj JO juaw.Ced aiStgs a u3 uopelojsaa pue medal am 1o3 spaaaold asings3P ,Cem 1apuai •iCljdTuold ua>Jepapun aq Hugs uopaadsuj gaps ley papjnoad `uoIpE3spes s,aapual of pajajdtuoa uaaq set; )IJOM aqj alnsua of Ajladold gaps padsuj of Siun31oddo ue peq set; aapua7 ;pun spaaaoad aauelnsul gins Nog 03 ;Op aqj aneq jjegs 19puaZ 'popad uopeao3saa pue 13eda1 Bans 2u31nU •pauassaj 3011 sj X311n3as s,lapual pue ajgjsea3 X11Ealulouoaa sj ljedal 10 uojje1o3saa aqj 3I `S;ladoad aqj jo ljedal ao uopelojsal O3 palidde aq ;legs 'lapua-j ,fq palmbaa sem aauelnsur Wup jaapun am Sou 10 1ag3agm 'spaaaoad aauemsul Cue lUplaM UI aa1SE as!Mlagjo saM011Og pue lapua-j ssajun •19M011og Xq iCpdwoad apew jou 33 ssoj 3 3oold a>jew Cu ,Eu Japua' •lapual pup 1aj11e3 aauelnsul am Oj aajjou jduroad anl2 jjegs 19M0110g `ssoj JO 3u3na aq; uj •aaCed ssoj leuojjjppe ue se 1o/pue a3$e231o111 se lapua7 aweu Ijegs pue asnep 024aou1 plepue3s a apnpuj Hells ,Caljod tans '/Cjladoad aq; '3o UOppn13sap 10 '03 aewep 103 'lapua'I ,Cq pallnbal asTMa3g3o jou 'aeaano3 aauelnsul 3O w103 ,CUE sujejgo 1aMO11Og 3I •saD33ou IeMaual pue sulnlurald pled jo s3dla3a1;;e lapual 0; a/0 Spdwoad Ijegs a3MO11og 'saljnbal Japua•i 3I •sa3em ma3 ;mama pU11 sapl;od am p;0q 03 ;Op aq; met; jjegs lapuari •aa,(ed ssoj ;eu0plppe ue se ao /pue aaVe2poul se lapuaJ auleu ;;ells pue `asnep a$eS31ow paepue3s E apnpul 33Ets `sapljod tans anolddes1p O3 34231 s,aapual Oj pafgns aq ;legs sapj;od tans jo 5311M31131 pue aapuari r(q paljnbal s3pj;od a3UE1nsu3 3u3Tu ed Rups3nbal a3MO11og Oj 13pua'3 ulna; aapou uodn 'Isamu; tans g31M `ajgeAed aq jjegs pue 3uaw3sangsrp jo ajep 34; `11013 a3ea 330M aqj jE ;salami nag 131145 s3Unolue as3g j •juaulnajsUI Simms slgj ifq pampas 13MO11og jo map 3eu0pjppe awoaaq jjegs 5 uopaas slg3 lapun aapua7 pasangslp s3un0we Auy •paujelgo met; p;no3 13MOJ1og jegj 33u1ansuj 3 3603 aqj paaaxa J(pue3l31ajs 34 3W pa11le3Q0 os 32E13n03 aaUElnsuj am 3o ma am leg; sa paIMOU)p1 13M0110g 133333 UI Ajsn03nald SEM item 3Ve1ano3 135533 10 13311332 ap3nold 3(32;u1 pue A3li3gejl 10 piezeq ')3Sr1 Cue 3SUIE& '/C3aadoad ag3 3o s3Ua3uo3 34; 10 Ijlad01d alp 113 A33nba S,1aMO11og `1aMO11og j33jo1d jou 3(3SIw 10 jtAw 3nq '1apu3Z 1ano3 ;;ells agelano3 tans 'a1ojaaagj •3 11J3Ao3 3 3unolu1 10 ad1f3 1ejn3T31ed Sue ase(3aand 0; uope23go ou l3pun s3 1apUa1 •asuadxa s,1aMOlaog pue u0pdo s,Japu3Tj 311 `3 1113A03 aauelnsul memo Sew 13puari 'anoge paginsap saeaanoa 343 jo Cue uje3ulew 03 mg 13MO11og 3I •1aMo11og ,Cq uop3afgo ue wo13 5up;nsa1 Uopeu1w1333p auoz po0T3 Sue 3o Majn31 at3 gum u0jj3auu03 uj ,f3Ua y juau1aeueln; S3ualawg 1Elapad aq3 r(q pasodull saa3 CUE jo 311autiCEd aq; 103 ajglsuodsal aq os3e jjegs a3M0110g •u0pe33111g3 10 uopeuju11a33p (33115 33333E 3g2jw iClgeuoseaa g3lgM 111330 sa &Ueg3 1e13wjs 10 aujddewaa awp pea sagaeg3 juanbasgns pue S934AJ3S U0pe33.31j193 pue uopeujwla3ap auoz pool; ao3 aVaet3 amp-auo a (q) 10 :sa3rnlas Snivel; pue uope3j3Aaa3 'uoj3Eujuua3ap auoz pooi3 1o3 amp awp -auo a (E) :ammo '11eo1 53(33 t33M u0333auuo3 03 led 03 Jam0110g almba1 few aapua1 •iC3geuosealun paspaaxa aq 3011 33e(3s ;Op t334M '3330(33 s,1aMo11og anolddesjp 03 ;Op 5,lapua1 03 pafgns 1aMO11Og h uasol;3 aq 11egs aauelnsuj am VutpJnold 13311113 aauelnsuj agj •U1101 a(33 jo W133 am Supnp amp ue3 53311331135 Wu3pa3a1d a(33 01 3uenslnd s31jnb3113pua1 3e(3M •saainba113pua-i leg; spojlad am 103 pue (slang; a3gpanpap Uujpnj3uj) 53unowe am 03 paujejulew aq nets a31E111su3 slg j •3311e1nsuj saljnbal 13p1a1 g334M 103 'spool; ;mu sa)3Enb(331ea '03 pa31wi3 jolt 3nq tulpnpul 5p1EZe(3 1ag30 Cue pue „'age13A03 papuajxa„ Waal a(33 ujt3TM papn;3ul spent; 'a1g ,Cq ssoj 3sumE& palnsuj i(lladold am uo p3333131age31aq 10 Wupsixa MoU s3uawanolduI3 a(33 daa)j ;jugs 1aMO11og aauelnsuj 431ado1d •S •Ueog 5343 L3IM u0333311UO3 1131apu31,Cq pasn 33311135 8uplodaa 10 /pue UOpe3Jpan x113 aje3Sa ;Eat E 103 amp awj3 -auo a Xed 03 1aM0110g 3111Iba1 Xeul 1ap1131 3, u0 5343 u1. anoge gin ;as suot33e a(33 3O 310W 10 9110 3)1E310 1131.1 alp Sjspes Ijegs 1aM011og 'uan32 s1. a3pou 311p3 g3IgM uo amp ail JO siCep 0I 11 Ig3IM •11333 JI0T0' X^A90E9OI 1 Lo•(s000) (AM)v9- 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 6A(WY) (0005).01 106a07 .0101r Page 7 of 15 08 1' 1 1 or• 14,114 3 6 35277422 [1958440] s Form 3051 1/01 1'9 9 l JO 9 abed JTOTO 80e90I Lo•(90 (AM)v9- 10/1 1.50£ Lund IeUlul 10V4896 1.] MUM •pun of Aug o; aaMOUOg aI ;l ;ua ;0U IIIM /iat; pue aoueansul aSsSpopti aoJ aMO IItM J0M0u0g ;unowe aq; meant!! low III^ s ;uauaai2e gons •uso-i au; 3o suua; aaq ;o due io `aoueansul aBeSpow aoj /led o; paaj2s set! aaMOUOg ;et; s ;unowe alp rage ;ou !IIM s;uauaaISe gons /Cud (s) :aaq ;and „•aaueansulat anpdeo„ pawn; uago si;uatu ueaae aq; 'Jammu aq) o; pled sun uaad aq; 3o aaegs a toj a8uetiaxa ul Alsip s, .1a.1nsul at; Jo aaegs a sir) tapual jo alellt33e ue )mt; sapinoad ;uawaaiSe tans 31 •sasso Smanpaa io VI s,aa .1nsui a2eS;ioui aq; SupfJlpour 10 Supegs aoj aSuegaxa ul 'aoueansul aSeSpoys! .1oj s;uau/Ced s,aaM000g 3o uo9p0d E (se pazpaiouiega aq )gSlu .1o) uoij anpap leg; muumuu (/fl ;aaxipul JO 'Cllaanp) anlaoax /Ceu 'SuioSaaoj aq; jo /Cue jo a;EIit33e SUE .10 Ilona tat ;o /Cue 'xa.1nsula.1 Cue 'Jammu aagloue 'a;oj\l agl 3o xasegnand /Cue 'aapual `s;uauiaaISe asagi 3o ;Insaa a sv (sunnuaad aaueansul aSeS ;aow wo .1j paule;go spunj apnpul Cu /e gnlgM) amp aim! Amu aaansul aSe$pou aql ;eq; spunj 3o aotnos /Cue Sulsn s ;uau/Ced avu o; xatnsui aSeSpou aq; a .1inbax Am s;uauaaJSe asagy •s;uauaaJSe asaq; o; (sawed io) Aped xat ;o aql pue aaansul aSeSyioui aq; o; £IopPJsi ;es axe imp suoMpuoa pup sum; uo awe s;uawaaJSE asaq] •sassol aanpa .1 .10 ')isp um!) Xjmow JO aaegs )eq1 sallied aaq ;o gpIM sluauaaJSe olm Jain /Ceu pue 'awl; o; aup uoxj aaaoj u) aaueansul gons Hu uo Isp ie)o) xiaq; a;enlena soaInsui aSeSpoyA! •aaue .1nsui a uSlaow aq; o; Aped a low sl aaMOJJOH 'pal se ueo-j aq; /fedax 10u saop aaMOUGH jt annul /few ;I sassol ulepaa xo3 (a;o j mu sasegn .1nd leg; /film ,Cue io) xapua1 sasmgwlaa ague .1nsul aSeSpow •a;oN aq; tit papinoad am at; le lsaaalul Xed o; uoi ;eSligo s, .1aMonog wage 0I uoi;oas sup u! Sulq;oN •Me'i algeallddd /Cq paalnbaa si uopeulwtal mun JO u0peulwaa; Bans xoj Sulpptoad aapua' pue aaMOUOg uaaM ;aq ;uauaa .1Se uaM ;lam /Cue t)IM aouepxoaae ul spun aaueansul aSeSpow xoj luausgnbax s,xapuael !pun 'anxasat ssoi algepunja.1 -uou a am /told 03 10 ;aa3ja uI aoueansul aSeSpoyCl ulelmeu 03 paxlnba.1 sumuaad aq) /Ced Vets aam0uog 'a3UEansui aSeSpoy\ aoj swnluaad aq; paeMO; swanked ed pa;euSisap /CIa;Etedas 93jEw o; paalnbaa seM tamo .1 .10g pue ueo'I aq; Suplew Jo uoplpuoa a se aoueansul aSeSpoyAI paambaa aapual 31 •aaueansul aSeSpow xoj sunluaid aq} pxeMo; s)uau/Ced pa;euSisap /Clateiedas saambaa .1apuari pue 'paurelgo sl 'aigellene sawooaq uie& iapuai Jfq pa;aaias .1atnsu! ue /Cq papptotd (sa .1lnbax tapuarl Imp popad at; .1oj pue ;unowe aq; m) aSexanoo aauexnsul aSeSpoj ji sluauXed an.iasaa ss0i a .1Inbax xaSuoi ou um xapua•i •anxasaa ssoi tons uo sSuiuxea .10 ;smug JCue tamoaa0g /fed o; paalnba.1 aq ;ou Hells tapuai pup 'Iin3 uI pled /fla ;swim s! ueorl aq; le pea aq; Sulpue;sggmlou 'algepunjat -uou aq Bets antasax ssoi tans •aauexnsul aSeSpoyAJ Jo nal! u! anaasax ssoi aigepunpa.1 -uou u se sluatuXed asaq; ule;aa pue asn 'Wane IIIM tapua1 •1aa3ja ul aq o; paseaa aSeaanoa aaueansul alp uagM anp axaM ;et; s;uau/Ced pa;euSisap /Cla ;e .1edas at; Jo ;unowe aq; aapuari o; iced o; anupuoa iiegs aamouog 'ajgeliene ;ou sl aSexanoo aauexnsul aSeS;aoy% lualeninba /CllepuE;sgns dl •aapua-i q pa;aaias aaansul a2eSpow a ;euxalle UE 1110JJ '1aa33a m /Clsnolnaxd aauexnsul aSeSpow at; Jo .1aMOUOg 03 lsoa atl 0) luaienlnba iIiepue ;sgns ;soa E )e ;aa3ja ui Jcisnolnaad aaueansul aSeS;aow agl of luaienlnba JCilellue ;stns aSexanoo u ;ergo o; paambaa sumuaad at; /Ced !legs xaMO .11OH 'aoueansul aSeSpow aoj swmuaad at; p .1eM03 s;uau/Ced pa;EUSlsap /Cla ;e .1edas alum o; paalnbaa sum xaM0JJ0g pue aaueansul gaps papinoad /flsno)naad ;Eq; .1a .1nsui aSESpou aq; uoij algellene aq o; saseaa aapua1 /Cq paambaa aSeaanoa aaueansul aSeSpow aq1 'u0se0x /Cup .103 3I •IOa3la m aaueansul aSeSpow aq; u3E ;mew o; paalnbaa swmuaxd aq; iced !legs xaMOUOg `upon aq; Supleu 3o uoplpuoa a se aauexnsul a2ESpow paalnbaa tapuarl 3i aousansui °Sallow •0I •SuppM ul .1aSxau at; 01 saa1Se xapua1 ssaiun aim ;ou Bets app; aaj at; pue piogaseai at; '/Cpadoad at; o; alai) aaj satmboe JaMOUOg 3I •aseai aq; Jo suoislnoad aq) lie q)IM /fidwon Ilegs JaMOUOg 'piogaseai a uo ST ;uauBIIsui /C;pnaas slip 3I ;uauked Supsanbaa aaMoJog o; aapuari u0x3 aopou uodn ';sata;u) gins gl3M 'aige,Ced aq !legs pue luauasxngsip Jo awl) aq) u0 .13 ale.1 a)oN ag; le ;sa .1a)1I agaq lists s ;unowe asagj •luauna1sui Jcllxnaas sup /Cq patinas xaMOttog Jo ;qap ieuoplppe auoaaq !legs 6 uopoas sup _wpm .1apual /Cq pasxngslp sIunoue MIN, •6 uopoas sup aapun pazpoq)ne suoll3E IIe .10 /Cue Sum; ;0u aoj /cltilgeil ou sxnam .1apuarl leg; paw& sl 11 •os op 01 uopeSiigo JO /C;np /cue aapun ;ou si pue os op o; aAE1;ou saop .1apua1 '6 mamas sup aapun u0pae ale; /fem .1apual gSnoq ;lt, •JJo ao uo pawn; saplil;n met! pue 'suoplpuon snoaa2uep .10 suopeloln apon imp .10 Smpiinq 3)emuiia 'sadid uolJ aa;eM ulexp 'sMOpulM pue stoop do pxeoq io aoelda.1 'moo! amp 's.1iedat amleu 03 /Cpado .1d aq; Smxa;ua 'o; mum low st ;nq 'sapnpui Xpadotd at) Supnoas •Smpaaaoad /C3;dnallueq e m uopisod pampas s;I Sulpnput ')uawn.1;sui /Cllmaas sup aapun spiSia .1o/pue Spadoad at; UT ;saxa ;w s1I ;aalotd 03 saa3 ,s/Cauao ;le 6A(WY) (0005) 01 106a09wy.0101r Page 9 of 15 107411121741 h %q Initials' 7 6 (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. 5277422 [1958440] Form 3051 1/01 10/1 150E WJO,A 104 MUMS 9 L euiu1 5 L JO 01. abed Ji0i0'A0Ie90I 0 qg to (5000) Attu M •luatUnalsui Allman sill Japun ;UatuaainbaJ SutpuodsaiioO aq1 JC3spes iTIM ;uatuaambaI MeZ aigeatiddd all 'me-; aigeogddy Japun paqnbai osie si ivawniisui S1pnoas sill Sq paJinbai aoilou Sue Ji •Japua'i JCq pantaaaJ JCiienloe ipun Japua'i o; uani8 uaaq anal 01 pauiaap aq jou hulls 1uauunJlsui /C1tanaas sup g ;iM UopoaUUO3 tit aopou SIN •JaMoJJOg 01 aojjot Sq Ssaappe Jayloue pa;euSisap set; Japua• ssaiun uiamq pawEls ssaappe s,Japua• O; item ssep isig Sq jI $ulileuu JCq JO 13 Suiaanciap /Cq uantS aq Hugs Japua'i 01 aopou /Cut, •aunt auo Sue le luauinJlsui /fjimOas sill aapun ssaappe aopou paleuSisap auo Auto aq Sew aaagZ •aJnpaooJd patjpads iegl gSnonp ssaappe jo aSuego E laodai JCiuo iiels JaMOJJOg uagi 'ssaappe Jo auetp s,JaMoJJog Sui3JOdaa Jo3 aanpaaoad e sa1pads Japuari 3I •ssaJppe jo aSu11tp s,aaMOJJOH 3O Japua•i /CJAou SpduIoad iiegs JaMOJJOH •aapua7 o; aopou Sq ssaappe aopou alnipsgns a paleuSjsap seq JOMOJJOH ssaiun ssaappv Suadoad all aq Hugs ssaappe aopou aqj •asiMJaylo saambaJ JCissaidxa &w aigeoiiddt/ ssaiun SJaMOJJOH He 01 aopou ain;psuoo hags aaMOJJOg auo Sue O; aopoN •SUeam Jalww Sq was 3i ssaJppe aanou s,JaM0JJOg 01 pan/4pp Spume nloe uagM JO iieW ssep ISJt3 Sq mew uagM JaMOJJOg 01 uantS uaaq aAel 01 pamaap aq hags luaumJlsui Swims sill giiM uotloaUUOO ui JaMOJJOg Ol aopou /Cuts •SuppM ut aq ;situ' 1uatuna;sui JCiunoas sill glint uoimauuoa ui JapuaZ .10 JOMOJJOg Sq uantS saapou lid •saopox •gi •aSJelOJano Ions JO um Suisue aim 1112itu JaMOJJOg Uopae JO lg2JJ Sue JO JaAIEM a alnioSUoa Him JaMOJJOg of luatuSed maim Sq spew punjaJ tpns Sue jo 0Due)daOOe S,J9M0J10H (a;oN agi Japun Joj papinoad st amp luatu/Cgdaad e jou Jo JaylagM) amp luaw/Cedald Sue jnogjit ;tau gedaad poled a se paleajl aq ;um uoponpaJ all 'iedpuiad saonpai puma' a 3i •JaMoaaog o; luatu/Ced maim a Supieui Sq Jo aloN aql Japun panto iedpupd atp &upnpa/ JCq puma.' sill atieui 01 asooga AMU Japuari •JamoJJOg O1 papunJaI aq HIM swim pamtuaad papaaoxa gZTLM JaMOJJOg two.3 pampa Spuaaie stuns Sue (q) pue :liuiii paftuuad agi Ol amp all aanpai 01 /CJessaoaU lunouie all JCq paonpa' aq iiegs aim um; pits Aug (e) :tagj 'spun pal1TitJad ayi paaoxa t11ol ayi 131iM uop3auuoo Ut pa ;Oaiioa aq O; Jo pampa saSaelo item Jalio Jo 1saJalut ayi jell OS palaJdJajut Jf11Ug SI mg; 3Egi pug 'Sa2Jega IEO; uUnunXeW SIaS yaigM MEi E Ol pafgns st ugo'i all 3I. ME i aigeDTiddt, Sq Jo lust tujsui Swims sill Aq paiigtyoid /Cissaadxa ale 3Egi saa3 aSJetp lou Sew Japua'i •aaj gons jo SutaJelo aql uo uopiglyoJd a se pan1isuOO aq jou hays JaAtOJJOg Ol aa3 oT31oads g 2JEyo Ol luatutujsui Swims sup tit Sipo131n1 ssaJdxa jo aauasqu all 'saa3 Ja13;o Sue 03 pJeSaJ Ui •saa3 UoIlenien pue u000adsu3 Siaadoad 'saa3 ,sSauJ011g '01 pal1Uiti 3011 lnq 'guipnput lUaUmJlsui JC3TJnaas sill Japun s1gSip pug JC;JadoJd am tit 1Saaaju3 s,Japua7 Supoa;oad jo asodand alp Jo3 ';inejap S,JaMOJJOg 13;1M UOpoaUUO3 ti paiUJOiJad Sa3TAJas J03 saa3 JOM011Og aaJE133 Sew Japua'I •saSJZ1) ug0'•I bi •Japuaq 3o SuSTss1 pug saossaaans ay; ;T3auaq pue (oz uopoas ut papinoad s11 idaaxa) pug' iiegs luaumJjsui Mpnoas sup jo sivamaI a pue slueuano3 aqj *Swim ut aseaia1 pus 01 saaJ$e Japua'i Ssaiun luauttuisui Jflianmas sill Japun JCjiiigen pue Suope2ygo S,JaM0a10g U10J3 paseaiaJ aq jou Hugs JOM0JJ0g •luaumJisui JC1pnaas sill Japun sl1Jauaq pug ROT.' S,JaMOJJOH jo jig memo Hells 'JapuaZ Sq panoadde si pug iupi m uT 3UaLUnJ;sui JCiunoas sill Japun suop1Stigo s,JaMOJJOg sat nsse o1M Jamming 3O lsaaa3UJ tit Jossa3Ons Sue 'in uopaas 3O suotsin0Jd atp Oj mafgns •luasuo3 s,aauWts -oo all lnoyliM al:N all Jo luatunJlsui Swings sup 3O sum) alp 01 paegaJ tpjm su0o11pOu moms Sue aiieui JO maw '/C33Poui `puma of a)JS1 u1O JaMOJJOH Jaq ;o Sue pue Japua'i 111131 saaI 11 (0) pue :jUaumalsui Sitanoas sill Sq paanoas stuns all /Ced 01 pale2iigo Sueuosaad 1011 sT (q) :luaumJjsui /C;TJnoas sups JO stWJal aql Japun /C ;Jado1d a133 tit 1Saaa ;UT s,JaUSts -o3 aql JCaAUOO pue 1u11a 'aS11Si1OUi Ol JCiuO luaumalsui /C1imoas sup. SutuSis -o3 si (11) „JauSis -o3„ 11) aloN aql alnoaxa jou slop ing luatunJlsui Allman sup SU83S -o3 o1M JaMOJJOg /Cue `JanaMol •ieJanaS pue 3Umf aq iieyS /Ci puE suol3ESIigo s,JaMOJJOg Imp Saaa &E pug s1UeUan0O JaMOJJOg •punog suSissy pug saossao0ns `.saauSis -03 `J pianos pus lUIOL •E1 •JCpautaJ JO igSIJ /Cue jo aspaaxa ay; apnpaad JO JO Jan311M E aq jou ii11ys `anp Ua131 lun0Uie all U11 SSai S;UUOWe Ui 10 JaMOJJOg 3o IsaIa;U3 ui s1OSSa3Ons Jo satlilua 'suosaad pail; LUOa3 swaged jo aoue;daooe s,Japua' 'uone ;Tuna ;n0y11M 'Suipnpui /Cpatuaa Jo ig2jJ Sue Suts3OJaxa UI Japua'i Sq a3UeJeagJ03 /Cud •JaMOJaog JO lsaaalui tit s1OSSa3Ons Sue s0 JaM0J10g ieuigpo a13j iCq apetu pueuuap /Cue jo UOS1101 Sq luaum11sui /C;ianoas sup /Cq pampas sums ayi jo uop11zpaotue A3ipow aSTMaa1310 Jo 3UaU1/ted J0j auip puma Ol asnjaa O; JO J9M0.I10g JO ;saaalui tit JOSSa3Ons Sue ;swide sSutpaaaoad a3Uauiuio3 o; pannbaa aq jou ii1113s JapuaZ •JaMOJJOg jo 1Sata;Ui tit sJOSSa3Ons Aug 10 JOMOJJOg 30 JCliitgep a131 3Seaip. 01 a111Jado jou fe13S JaMOJ.Og JO isaJa1U1 uI JOSSaoons Sue 10 JaMOJJOH O; Japua'i Sq paju11JS ;Uauutujsui /C;tanoas sup JCq paanoas stuns a131 3o UOi ;ezi3JOUIe 3O uop1O1JTPotu JO ;tatU/Ced Jo auto a131 JO uoisuaixg •Jant11M g lox .tapua7 JCg 33Ug111agaod `.pasgaiag 30N J0m011011 •Z1 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 (CD---8A(VVY) (0005).01 106allwy.0101r Page 11 of 15 y f tx .,a„lJ4 S /Kg5277422 [1958440] Initials.�J Form 3051 1/01 76 94 1011. L90£ WJod 104489611 ZZPLLZ9 Sl to Zl a613d JT0I0'M2IE901 lo•(s000) •dnueal3 Ie3uaum0JTAUH U11 Jo3 .tapua'1 uo u0i ;eSilg0 Sue a;EaJ3 Hells UiaJmq 2u1q ;oN 'MEZ Ip ;Uatuuolp UH g1IM a3UEp103au Ui suopae 1Eipatuad SJessaaau i1E mjel Spdtuold ins Jamming 'SJessazau sl Spado1d atp 2ul ;aa33e a3ue;sgns Snop1EZE11 Sue 30 uopelpatuaJ Ja ;o .10 len01i01 Cu ,E ;Eq; 'Sped a;EnJJd Cu e Jo q;pog;ne XJO ;elnSal Jo muaumagno2 Sue iCq paypou s1 Jo 'sung' J0M0110g 31 •Spado1d ag; 3o amen aq; stamp Slastanpe pram aauE ;sgns snopJeze1 e jo aseala1 Jo asn 'aauasald 9 p Sq pasnea uopTpuoa Sue (a) pue 'a3uelsgns snop1ezelj Sue jo aseala. 3o, team .10 aseala1 `a; Jegaslp upiEal u1111ds ,Cu e `o; palluill ;ou ;nq Supnpul 'uoplpuo3 1p;uatuuoJlnuH Sue (q) `a; pa1MOU)I 1E'P seq JaM0J10g galgM 30 ME'1 111;uatuuoJ1AUH Jo aoue ;sgns snopJezel-I Sue pue Suadotd aq; ;1ulnjonul Aped a;11Apd 10 S3ua& Slo ;eln;aJ Jo iematutuanoR ,Cue Sq uol;ae Jaq ;o Jo ;1nsMe1 'pueuiap 'U11ep 'UOI ;egpSaAUI ,CUE (E) JO 0390U Ua31pM Japua'I aA1;1 Spdtuotd 11egs JaMOJtog (spnpold Jaulnsuo3 u1 saaue;sgns snoplezeq 01 pauunl ;ou ;nq ulpnpul) SpadoJd aql 3o a3ueua;Uteui 01 pue sasn I11I ;UaP1sa1 IEUUOU 0; amepdoJdde aq o; pazlu;loaa i A ieaaua2 ate mu saaue ;sgns snopiezell jo sal;l;uenb 11Euis jo ,Cpadotd aq; uo aEJO ;s Jo 'asn 'a3uasa1d am o; S1dde ;OU um saaua;uas OM; 2UlpaaaJd a ii •Spadold 9113 3o amen am s;aa33e ,ClastanpR ;1111; uoPlpuoa E swan 'ague ;sgns snoplezeH e jo asealal 10 'asn `a3Uasald ag; 0; anp `g3iiM (a) Jo `u0p1pu03 JE;uatuUOJiAUH UE swan g3igM (q) Ie;uatuu01lnuH SuE.3o uoueIOln uI sl rem (E) Spadotd aq; 8ullaa33e 5ulg;Sue 'op 0; asp 9uoSue Moue Jou 'op mu Ilegs JOMO1JOg •Spadold 911; u1 Jo uo `saaue;sgns snoplezgpl Cu ,e asealat o; Ua;Ea1g ;10 `saaue;sgns SnopezeH ,Cue 3o asealal 10 'aSE.O ;s 'lesodslp `asn 'aouasald ag; umJad Jo asneo 3011 um JaMOJJ0H •dnueala le ;uaumo11AUH Ue 13a313 aS1MJaq ;o Jo '0; a;ngp;Uo3 'asn113 UE3 mill u0pipUO3 a SUEaui „UO3lpu03 jemamuo11AUH„ ue (p) pU11 :Mei IE ;uaumo11AUg ul pauuap SE 'uol;oe lemma] Jo 'noon jeipatual '1101;011 asuodsat Sue sapnpul „dnuealj Ie;uatnu011AU (a) :uop3a;oad 111;UaulUOtlnua Jo S;a3ES `g;1Eaq o; metal teq; pa;e3o1 SI Spadoad ag; aJagm uoT131Pspnf aq; 3o SMeI pue SMej Ielapa3 sueaui „MeJ IE;uatuUo1lnuH„ (q) :Slepa;etU anp3eolpe. pue 'apSgapletulo3 Jo S0;sagse 2UlulE ;1103 sppa;eui 's;uaAlos a1Relon 'sapl3lglag puE sapl3psad 01x0; `s;anpoad uinaloa ;ad am) .10 algvamen Jag ;o 'auaso1ax `auliosed :Sa3ue;sgns gmmo t03 aq; pue 1E;UauIUOl1AUH Sq Sa;seM .10 's;ue;n1Iod `saaue;sgns snop1EZeq l0 33x0; se paulpap saaue;sgns 4S0q; ate „saaueisgns snopaezeli„ (e) :IZ uopaas sup 111 pasn sd 'SaouB;sgns Snop1ezBH 'i2 'OZ 11op3as sup 3o s11olslno1d U01 ;911 anp3a1JO3 a)1E; 0; S ;Iunpoddo pue aapou aq; SJSpes 0; pauuap aq ltegs gI u0paas o; ;UensJnd JaMO1JOg 0; uaATS uoueJa1933E 30 a3poU agl pue ZZ u0p3as O; ;UenSJnd aaMO1JOg 0; Uanli aim 0; ,t111lnpoddo pue UOpelalaa3E 30 aapou aq j •gdei;leJed sup 3o sasodlnd Jo3 algeuoseai aq o; pauuap aq IIIM popad amp ;1111; 'ua)Ie; aq 11113 uopp11 111111193 alojaq asd1la ;sniu pram popad 9113; a saPIAOJd ME-1 a3g13iJddd 3I •uoppe 3AI1331103 3)111; 0; aai;OU gans 30 SUTAI5 911; Ja ;3e popad ai9euoS11aJ 11 0;91911 Sped 1x130 aq; papto33e pue g3ealq'Jamie gins 3 (SI uop3as 3o s;uauullnbal aq; tram a3uei1duiO3 UI uan1;1 aapou gins tram) Sped Jaq ;o aq; pa13pou s11q Japuarl Jo JaMOJJOg gaps IpUn ';uatunJ;sul S;pnaas sup '3o UOSeaI Sq paMO S;np Sue Jo '3o Uolslnold SUE pag3ealq s11q Sped Ja4To am ;1111; saa1111 ;Eg; Jo ;uatunt ;SUI S;pnaas sup 0; ;UEmS1nd suop311 s,Sped Jaq ;o am won S0SI1E ;em (ss11p 11 3o Jaquiatu aq; 10 ;U118p11 3Enpinlpul 1111 Jaq ;1a se) 11opa11 maw(' Sue of paUlof aq Jo 'Ulof 'aaUaUnuo3 Sew Japuai 10U JaMOJJOg lag ;laN •lasegDJnd a;oN aq; Sq papinold as!Mlaglo ssalun lasetpind a3oN aq; Sq paumss11 30U ate pue Jaapuas U110 1 lossa3ans 11 0; pa11ajsueJ; aq Jo Jaapuas 11110' ag; tram 1131111191 IIIM JaMOJJOH 0; su0pe;I11go 2up1A1as item aVE2poui aq; 'a;oN 0111301as11g3Jnd 0133 limp Jaq ;o taapuas 111107 11 Sq pa3JAJas sI 111107 ag11a ;31191041 pue P1os si a;oN aq; 31 •;1UI3IAJas 3o Ja3st111J; 3o a31;ou 11 q ;1M u0p3auuo3 u1 samba.' 6A(WY) (0005)01 106a13wy.0101r Page 13 of 15 .JLJ If .rY. `�Y tom 7 6 t 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 existenceof 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. j5/ VT277422 [1958440] Initlals Form 3051 1/01 1 site 40 /l l90£ Wwod [0449564) ZZPLLZBE aamoaaog- (ieaS) aamoaaog- aamaaog- (IeaS) aamomog- 7 i d2IVHS 3NR13H1V)1 S l la 4l e6ed aamoJaog- aamoaaog- (IeaS) (Teas) aamoaaog- (I .1amoaJog- (leas) (leas) a t0 t 0' M Lo (soon) �p� (JlM)V9 :sassau3IM •Ic gum papaoaaa pue aaMoaaog pa ;naaxa aapij iCue ui pue Iuaumusui Slimaas sup ni pauieauoa slueuanoa pue sum), alp of saaa2e pue sidaaae aan/►oaaog `MO'IMI ONINOIS AB il r, 4 60/4 1.90c wioj I044896Li ZZ*LLZS£ :ss ,tiunop 'sleIIuI T rte_ -e. S L JO 5 L a6ed ii0I0 Lo•(s000) (Am)vg--W h J7� s uldx3 uolsSIwwo0 �tW 1 u uoi U0 ;9j 10 ems 10 Aluno0 °hand AMNION NNbW)10310 'W A30V /S d VHS sNIESHSVx CNV duYHS O NOSVD iCq oci-z lg I 2K 7Y tCiyi?J s igl RU aaojaq paSpaiMoupe sem )uauma;sui Suio8aao3 aqy PIL NJJ/S OAAA dO II LVIS