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Home My WebLink About87036001014197 Return To: Home Security Mortgage Corp. 1101 INTERNATIONAL PKWY #115 Fredericksburg, VA 22406 Prepared By: STEVE LITTEN Home Security Mortgage Corp. 1101 INTERNATIONAL PKWY #115 Fredericksburg, VA 22406 DEFINITIONS 870360 [Space Above This Line For Recording Data] MORTGAGE 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 together with all Riders to this document. (B) "Borrower" is Robin S. Rothermel and Linda J. Rothermel, Husband and Wife, as Tenants by the Entireties Borrower is the mortgagor under this Security Instrument. (C) "Lender" is Home Security Mortgage Corp.oration Lender is a CORPORATION organized and existing under the laws of The State of Virginia WYOMING- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT C ®6(WY) (990401 Page 1 of 15 Mitla VMP MORTGAGE FORMS (800)521 -7291 (`i; E C,: F 1 \JED LINCOLN rCOUN I Y CLER K 000 C2O AN 10: 4 JEANNE WAGNER KEMMERER, WYOMING BOOK_ J _PR PAGE December 18th, 2000 Form 3051 3/99 66/E lSOE Fez IXI 5l o r s ee d Lo ioo66) (AM)9• 'VdS32I iapun „ueoi aSe2uow palelal AireJapa a se Apienb 3011 saw treoi aql ;t uana wueoi aSeSuow paleiai A lelapa;„ a of pieaaJ ut pasodwt an Imp suotloulsa1 pus sluawaimbaJ Ifs of siO33J Vci `lummulsui'Clpnoas sail ut pasn sd 'mew loafgns awes aq1 su.ianog Imp uopein2a1 .10 uopeisi2al iossaoons Jo ieuontppe Cue JO 'amp of aum wor3 papuaure 1g2iw Amp se '(OM 17Z) X uoueingag 'uotleln5ai gutluauaidwt su pus (ins la 1092 00 1l 3 aS '3'S'f1 ZI) 13d sampaoo1d luawajllas alelsg leag,atp sueaw „vaSaI„ (0) •luawnilsui iClunoas stg1Jo uotloas iapun slunowe Cue (tt) snzd `aloN ail iapun )sara)ut pus iedtouud (t) io3 anp lunowe pa npagos AlleinSai ag1 sueaw „;ualuSed otpouad„ (N) aeon agl `uo linejap JO `30 1uawi(eduou ag1 lsutae Japuaq $upoaloid aoueinsut stream „aaueansuI a2e2laoyCl„ (N) •Auadoid ag1jo uolltpuoo J0 /pus amen alp '01 Se SUOISSIWO .10 `JO suopgluasaidaistu (AI) .10 :uo11Euuapuoo 3o na11 ut aoue,ianuoo :A1-Iadoi alp 3o Lied Attu .10 He 30 2upiel iaglo Jo uotleuwapuoo :Amdahl alp 'jo uotlotulsap 10 '01 agurep (t) :Jo; (S uotloas ui paquosap sayran03 alp iapun pied spaaooid aotUeinsut uegl Jaglo) Cued ping Cue Aq Peed spaaooid Jo `saetuep jo plume luauaplas `uotlesuadwoo ,Cue stream „spaaaoad snoaueiiaasiy&l„ (I) uotloaS ut paquosap ale imp swam! asogl strum „man Moaosd„ (}j) SIa3S asnogaupgala palewolne pus `srajsugi) artm `auogdaim Aci palyptut siajsueil `suopoesuyil auigoew Jolla) palewolne `sia }sueii ales-jo-Rod `oi mpg lou st 1nq `sapnlout ttum lions •lun000e ue ltpaio 10 Dtgap o1 uotm psut lypueug a azuottlne 10 lonilsul `wpm 01 se os adel opau2ew Jo `Jaindwoo `ivaunJlsm atuogdaial `teutuual otuoiloala Lie gBno11p palentut st gotgm `luautulsut Jaded Jeilwts 10 'gem 'raw Aq paleu!2po uopoesuerl a Lisp Jag10 `spun] ;o JaJsue11 Atle stream „aaJsueay spung oiuoipaid„ (r) •u0UeZlue2I0 JeltwlS Io uOt)gtoOSSe siaumoawog `uopeioosse wntutuopuoo a ,Cq Auadoid alp Jo iamo.uog uo pasodwt ale leg) saaJego I0tt10 pus `sluawssasse 'spa; 'soup He sueaw „sluawssassv pus 'saa 1 'sang uonepossv £liunwwoa„ (j) •suotutdo ielotpnf aigeleadde -uou `iyug mgeotidde He se Liam se (mei jo papa ag) aneq imp) siapro pus saint antle1lstunupE pus saoueutpro `suopein2ai 'salnlels ieooi pus alels Imp; algeotidde 3utiiorluoo lie sueaw „mei aigeaiiddy„ (iJ [,(,hoods] (s)Jatpo n Japtg 1uaw,Ced Apiaamtg n IaPIII VA Japig'iltuTEd 1' Japig 1uawdoianaQ )tun pauueid I Iaptg uoolleg alam awol-I puooas Jam w I ntutwopuop Japtg mull aiquisnfpd :[aigeotidde se xoq loago] Iamo.uog Aq palnoaxa aq o1 ale siam gutmoiloj ata •Jamouog .Cq palnoaxa are Imp luawnJlsui Xlpnoas stgl 01 siaptml lie smut „slapig„ (0) •lsaralut snid luautuisui Alpnoas Sig) spun anp suns ile pus 'aloisi alp spun anp salIego amyl pus saSrego luau/Maid Cue 'Isamu! snid `aloN ag1 Aq paouaptna )gap aq1 sueaw „uuo7„ (3) M kuadord att1 Lit s1g9121 Jajsuer j,, 2utpeaq alp spun mom paquosap st letp Apadoid aj1 sueaw „,flaadoad„ (a) T£OZ 'TO /zsnusr uggl ram lou iln3 Lit )gap alp fed o1 pus sluawiCed olpouad reingar u! )qap sup Xed o1 pastwoid sett Jamouog •lsaralut snid 00 •000 •S•Il) sreilOQ 00T /ou pus puesnouy /4auTN pazpung au0 iapuaZ samo I3m01.10g leg) salels alobi agZ 000Z `91 za (papa Q polyp pug Jamouog Aq pau2ls alou AJosstuord alp stream „amok)„ (Q) luawtu)sui i(ltinoas sap iapun aa$gguou agl s! iapuaZ 90bZZ VA 'bzngsxoTzapaz,3 'STT# AMNId T NOIZKNdZ,LNI TOTT st ssaippe s,JapuaZ (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. 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] Lot 2 of Henry's Mountain Estates, Lincoln County, Wyoming, according to that plat filed in the Office of Lincoln County Clerk on November 4, 1996, Instrument No. 828555, Plat No. 371. Parcel ID Number: which currently has the address of 372 Teala Drive [Street] Etna [City] W omin 83118 "Property Address y g [Zip Code] 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 Initials* t -6(WY) (9904).01 Page 3 of 15 Form 3051 3/99 66 /E 1.50E WJoj TC 9l 0 V 969d to (VO66) (AM)9- CZ slunotue alp `alge,Ced aaatm pue uagm `iipoazlp pied !legs aamouog `aaniem gnns Jo mono aq1 ul •`duppm u! aq Aluo Amu aantem tans ,Cud •au u !Cue 1e stoat! moznsg He JO Cue zoj spunj iapuaj o1 ,Cud o1 uotlatlgo s,.Jamoa1og anrem Meru xapuag •stuall moznsg He ao Aue ioj spunj atl ,fed o1 uoue5ilgo s,.Jamonog sanlem .tapua-I ssalun small mo.znsg 1oJ spend aql aapua-1 ,Cud hells iamozaog •uotloas sup zapun pied oq 01 slunouce 3o saollou Ile iapuaq o1 gsivanJ Apdutoad Begs .tamoaaog' moiosg ue aq hugs sluatussasse pue saaj 'soup gnns pue `1amouog ,iq pamot°sa aq `nitre 3! `sluautssassd pue sand `sang uollelnossy kliunuzutop 1e1 aunbat Amu iapuo -1 `ueo-I ant 3o tam aqt 2uunp atoll iiue to .t0 u0iluul2lt0 pd „•smalI moJosa„ palle0 a.re swat! asatZ pl uoilnas Jo suolsinoad alp gplm a0ueponoe ui stuniuzaid aotteinsul a2e51JoyCi jo tuattaud alp jo nail u! aapua-1 01 iamouog Aq aigeAud stuns Atte so 'AM ji `sutnlutaad aotteinsul a;Ie21J0JAI (p) pue :g uoilnas iapun 1apuaJ Aq pa1lnbal ooue.msu! 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JO moo anet 1112!ut Iamauog t0!gm tuiel0 10 3OSJJO ON •aznsol0atoj 01 JoIid /Cialulpatium! a1oN all .tape° ooueleq ledl0uud 2utpuelslno aq1 01 pondde aq HIM spunj tons `1ali.rea pa!ldde 1ou 31 •Jamo.uog o1 teats tunlat 10 spunj gnns Aiddu imp !lugs JapuaZ 'aunt Jo pound algeuoseat a Uttlim os op sou sanp lamo11011 31 •fugal°° treo-1 agp 2uuq 01 luntuAed salmi aamoaaog !spun spunj patlddeun tons plot Amu aapun'I spunj pallddeun uo lsaaapU! ,Cud 1ou page aapua-! uall `apup anp palnpatos s1! 3o su pa!ldde s! luatu,Cud °lpouad gong JI •paldaooe aau sluatu1iud 'Ions atoll aqt le sluatuAed lions Aiddu 01 pa1e24go sou s! aapuag lnq `aanlnj alp u! sluatuAed lodged .10 luatu,Ced tons asnjaa 01 slap sl! 01 aolpnfatd Jo Japuna.tat s2q2la Atm 3o aanlum lnogllm `luaaann ueo-i ag1 uuq 01 1uaingJnsun tuautAud puled JO puautAed ,tie ldaooe hut aapua- •luaaan° ueorl ag1 2uuq 01 luapIJnsut sae stuatuAed !aloud ao tuaut,Ced alp 3! luatu&ud lodged Jo 11101111Ced Aftte uantaa Amu aapu0j •SI uoltoas u! suolslnoad aofou alp mph a°uepaoonu u! aapua°I Aq paluaisap aq Amu se uo1lu0o! aatlo tons le zo apoN alp u! pateug!sap uope 301 all to panta°aa uagm iapua-1 panlaoat patuaap ate sluaut,Cud •aaJsuea,I, spunj outer l0alg (p) .to `A111u° .to `41upuatutulsu! `AouaBu le.tapal e Aq painsul 0113 sllsodap asogm uoprupsu! 1113 uodn umuzp s! )3301(3 tons 1iue pap!noad Vag° s,latgsun JO ploagn s,aaanseaal `310040 )lueq `310043 poplin° (3) :Japan 1Cauout (q) `.qse° (e) :aapuag 1(q pal0alas se `stuao3 2 u!mo!!o3 at1 3o 01011I Jo 0110 u! aputu aq luatunalsul 1lunoas sup pue a30N al1 Jape° anp sluaut1Sud luanbasgns He ao Atre tuft atmbat Amu aapua-I `piudun .tapua1 o1 pauanlal s! luauttulsul Animas 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 twelve 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 twelve 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 -6(WY) (9904).01 Page 5 of 15 232 Form 3051 3/99 66/C 650E Wiod guM `anp uaui Jou to lagiagm luaultulsul Xiunoas sup Aq pains sums am o1 pailddg aq Ip qs spaaoold aoutinsui agp `pauassal aq mom Alunoas s,lapua-1 to algisgaj Auroluumooa 10U si .Eda1.10 uopluloisal agp 1l •I0Moll0g jo uonaggo alos agp aq i uqs puE spaaooid u insui agp jo lno mud aq Jou 1iu11s lamouog rid pauimial `saipird pings Jagpo to `slaisnfpu oggnd lot saag •spaaoold gons uo s;luiu.Ea to isalalui Cut iamo.uog Cud op palinbat aq sou lltigs .zapua- `spaaoold aourinsui gons uo pttd aq of lsatalui saimbai ME-1 algi?0ilddy 10 Sut1UM ui atom si 1uatuaal5t ut ssa'u[I •palaldutoo s! 3110m agp sr sluaUI,CEd ssai oid jo sauas t ut JO luaui1CCd 0151115 g ut uoilE.iopsai put siledai agp .ioj spaaoo.id asingsip lapur •&lldiuold ualup opun aq 11ggs uopoadsui gons lmt p papino.1d `uoporjsipus s,lapua -1 0l palaldutoo uaaq sug )11oM agp ainsua op Alzadozd gons loadsui of Aliunpioddo uE pEq set' lapua- j'ilun spaaooid aoug.insui gons Nog 01 lg$u agp antg ergs iapuaj `pouad uotlulolsal pui aiudai lions 2ulma •pauassal 10U Si Sl s,JapuaZ put algtstaj S" toiuiouooa si iitda.t .to u0'11g1o1s31 alp 1i `Sindold agp jo litda1 to uoilEiolsai op pailddt aq urgs `lapua- pa.iinbai SmM aouginsui WuiAliapun agp l0U to lagpatpm `spaaoold aouminsut Atm `guiliIM ui 00J3u as!MZaglo .i MOZJog put Japua-1 ssalun •Jamollog Sq 4 dUioid apuui 1ou 1i sso' jo Joon! 33E111 �Cmut lapuai •Japua'I pug laulmo a3Uminsut agp 01 aopou lduiold aAIS H MIS J M011og `ssol 10 Juana aq1 111 °aand ssol lmuoiuppg um st 10 /pUR oar st lapua-1 autmu Hugs pug asnup agt;liiout plmpugls u apnpui'p qs ,iotlod gons `Attadold alp `10 uopotuisap to `01 aEuiup lot `lapua7 iCq pazinba.i asytuagio 10U `aglanoo aouuansui 1 uiloj Atm sup iqo laM0110g 1l •saopou jEMaual pui sumpuald pitd 10 sldiaoal "le Japua' of an0S Aliduioid hugs 1amo.uog `sannba.i lapuaj 11 •salu0tlplao Itmaual pug sapil0d agp P1og 01 1112p am antq'lugs lapuaq •aand sso''EUOilippE uE st to /pUE as r2uout se iapuarl auitu "Egs puE `asnnp a2i uoui plmpuuls r apnlout I'Egs `saioilod qons anoidddstp Ol 1011 s,lapua- of loafgns aq urgs satot'od IOUs 1 S'mmaual pui aapuai Xq pannbat saioi'od aout.msui'iv •luauiAtd suilsanbat lamollog 011apua1 tztoll aoilou uodn 'ma'am gons glim `aighd aq IlEgs pug luatuas1ngsip 10 amp am Ui011 31E1 a20N agp Jt Isamu! .reaq litgs Slunotut asags •1uaU1n1psul 1ilpnoas sup Ai patinas 1am011og 10 lgap TEUOilippu auiooaq Hugs S uoipoas sigi .iapun .tapuarl pasingsip siunoule Auy •pauiglgo antg pinoo lamollog lmgl aouuinsui 1 moo am paaoxa X'1Ugogtu;lis lggiui paurelgo os ag10n03 aoutlnsai agp Jo moo Sip 1m111 sapalmou)l3E 1am011og papa ut IClsnoina.td sum um a2mnanoo lasso' to 131 3.I5 aptn0ld 1g2un pug Ali'igmi' to pmzmg `))S!J iiut 1SUtat `rivadoid am 10 s2ualuoo a111 10 `X11adold 3141 ui /Cuba S,1aMO11og `1aMOfog ioalo.id s ou 1q5iui to lgpui lnq `lapual .tanoo nut's a2t.10A03 gons `atojala11Z •a5El0n00 10 lunoU1E 10 ad/CI Juinot .1 d Aug asugoind 01 uopatlgo ou lapun si lapua7 •asuadxa S,Jamo110g puE uoildo s,lapua-1 It `a5eJanoo aoUElnsui uplgo lapua'1 `anoqu paquosap Sa$E1an00 alp JO MUm u1Elu1 TU 01 sj1u1 1aM011og 1I •Jamollog Aq uoiloafgo ut Uto11 Supinsat u0ilmunulalap auoz pooh AUm 10 mama.' am gum uouoauuoo ui Xoua;Iy luauta rtre l Aoua iatug lmlapad alp Aq pasodtui saag ,Sum 10 luatuhd agp lot a'gtsuodsal aq oslm 1Imgs J3MOl10g •UOilg =114103 10 uotluuiuualap gons 1oa13m 1113!U1 Algguosual goigM zn0oo sa;lutgo JEl1uns 10 dutddwUta1 amp Boma sat mgo lUanbasgns pug saopuas uoilgo!Jillao pug uoiltulttuapap auoz poog lot A1Ego OU111 -auo u (q) 10 :saoinlas guppril pug uoiluogi11a0 `uoiluuiuilalap auoz pooT1 lot amp atuii -auo E (m) :131 pta `umo' sup giim uopoauuoo ui `Agd 01 13M011011 annbal hut lapua-1 •X'gguosualun pasi3laxa aq sou Ilggs 1011 goigM `3010110 s,lamonog anolddesip 01 114$11 s,lapual 01 loafgns l3M0110g Aq uasog0 aq hugs 30utlnsui 3141 Suipinold laInuo a0uglnsut aqj •umo7 3141 1 Uua1 agp Suunp amp Ut3 S3011311138 ;Iuipaoald 3111 01 1UEnslnd soImbal lapua'l 1g1M •salmbal lapuai 1mg1 spopad alp 101 pum (slang' alquonpap Vuipnpui) sumo= alp ui pauimlutuut aq l'Egs a0uminsui s11j •aourinsui sannbal lapua'l goigM 101 `spool; pug savnbgl.Ea `01 mum' sou pnq `2uipnloui Spltzug 13420 ,Cum pug „`a;lglanoo papuapxa„ 111.131 3141 uigltM papnput SpJEZmg `alp SSOI isu!E;IE palnsui Alladold 3141 uo pal0ata 3111131314 l0 2uilstxa mou sluauianOlduii agp daal 1iugs J3MOJ1O •aatiginsui Sp,tadoid 's •uuorl sup g1!M uopoauuoa ut pasn aoinlas 2upodal 10 /puu uoil10gilan x111 ammo mat u 101 amp autp -auo E iC d 01 J3MOJJOU annbal hut lapua-1 j7 uoipoas sup ui 3AOgE 111101 108 8110113U 314110 MOW to auo 3)Im1 10 1131 3111 Ajsuts llmgs.1OMO11og `uani;l si a0!IOU 1mg1 goigM uo amp Mil JO siimp 0i uiguM •11311 it g L to g e8ed Lo•w066) (AM)9 W 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 sixty 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 CD-6(WY) (9904).01 Page 7 of 15 234 Form 3051 3/99 66/C 190E W40f C C7 9 I. 40 6 seed m 3014066) (AM)9 qardip `luatunnsul Allmon sup AI pins sums atll of pailddu aq pugs spaaoozd snoaug!laosly%I agi pauassaj aq mom Alimoas s,iapuai JO algisuaj Al jonuouooa lou st iTedaz zo uotlgzolsaz atl3l •spaaooid snoauullaos11A1 cans uo 10 1Sa1a1ut Cum .iamozzog /Cud o1 pazinbat aq 1ou TTuts zapua'l `spaaoozd snoauzllaosm ions uo piud aq o1 3sazalui sannbaz mu-1 algmo!lddy zo gullum ui apmtu Si luatuaazgu ttu ssalun •palaldtuoo si Atom alp sg sluam/cud ssaigozd jo saps g uI JO luatuaszngslp aTguts g u! uopuolsaz puu snmdaz agl zoj Cud Amur zapuarl •STldtuozd ualuuapun aq pugs uoiloadsui gons mtp papinozd `uoporjstims s,zapuarl 01 palaidmoo uaaq srq Atom ag1 aznsua of ,Clzadozd gons loadsu! 01 A unlzodd'o uu pug sag zapuaj mun spaaoozd snoatreHaosm gons plot of lg$tz agl anug imp zapua-1 'pouad uopuzolsaz puu nudaz dons gupnu •pauassal lou s! Animas s,zapua' pug algisuaj XTTmanuouooa s! nudaz zo uotluzolsaz am 11 'Auadozd agl jo nudaz zo uopuzolsaz o1 patjddu aq pugs spaao0zd snoauupaostyAI tons `pageuzup s! ,iiradozd at13I •zaptta7 01 mud aq Hugs pug 01 paugissu rigazag azu spaaoozd snoatrellaosm ITy nua ao.:spaaaoad snoaugllaas jAJ 30 ;uautugissy •iT a10M atp ut paptnozd alai alp lm Isamu! Aud of uoil1 ilgo s,zamouog slooJJE OT uolloas sp( u! guttloN mg-1 alquoilddy Aq pannbaz sI uollgultuzal Ti1un 10 uoiluuituzal Hans zo; 5'uipinoid zapuaJ pug zamozzog uaamlaq luatuaaag uallum nitre gllm aougpz000u ui spua aougznsul aguguoysl zoj luatuannbaz s,zapuoi !pun 'anzasaz ssoT alggpunjaz -uou g apinozd 01 z0 'papa ui aoueznsul aguglzow uiuluigm of pannbaz smnlutazd alp Cud imp zamozzog `aouuznsul &e$lzow z0j stunnuazd agl pzumoi sluauiigd paluugISap ,ilaluzmdas aAguz of pannbaz sum zamozzog pug ttuoi aJ1 gupfutu ;o uoilipuoo u SE aouunsul aguglzow pannbaz zapuai 3I •aougznsul aguduoynl zo; stunituaid agl pzumol sluatukud palmuglsap Alalmzudas sannbaz zapuai pug `pauiulgo st `alqulignu sautoaaq utESe zapuaq Aq pamalas zaznsu! pap!nozd (sannbaz zapua-1 imp pouad ag1 .o3 puu lunotug ag1 u!) a$gzanoo aotreznsul ageguoJAI 3t sluatuAud anzasaz ssoT annbaz zaguol ou ago zapuaj •anzasaz ssoT Hans uo s2uiutua JO lsazalu! Auu 10m0110g 'Cud of pannbaz aq lou pugs zapuag pug 'pm u! mud Apiuuziljn st ugo-1 alp lugs 1ogj ag1 gutptrelstltm1Ou `alqupunjaz -uou aq pulp aAJOSaz ssoT Bans •aouuznsul aguguoysi 3o nail u! anzaSaz ssoT alggpunjaz -uou g sg sluam/cud asagl ululaz puu asn `ldaoog TTlm zapuarl •loajja u! aq o1 pasuao agg1OAO3 aotreznsm am uagm anp azam lmtll sluatuAud pareuglsap ,CTalgredas agl jo lunotug aq1 zapua -T o1 A d o1 anupuoa pugs zamofog 'alqullunu lou s! aggz0n03 aougznsul a$uglzoynl luajmnmba Allupuulsgns 3l •zapuarl Aq paloalas zaznsut aguguotu aluuzallu Ire tuoz. 'loaJJa u! iClsnolnazd aotminsul aguguoyAI atl Jo zamozz0g 01 moo am. 01 lualunlnba Allulluglsgns 1soo u lu 'magga u! Alsno!nazd aoueansui aguglzoyq a p 01 lualunlnba ATTupuglsgns aguzanoo ululgo of pannbaz su nituazd at1 /Cud hugs zamoz1Og `aouuznsul agalzoyil .o3 stunlutazd agl pzumol sluaturiud paluuglsap iClalgzgdas avtu o1 pannbaz sum zamozzog pug aougznsut 'ions papinozd Alsnolnazd Imp zamsu! aguguotu ag1 tuatj alquipAu ag 01 sasuao zapuaj ,iq pannbaz a3gzanoo aatreznsul aSduow agl `uoseaz Aug zoj `3I •1oajja u! aourmsul agugjunnT atl ulululetu o1 pannbaz stunnuazd at1 Ant Huts zamozzog `ugo 0111 guDlgtu Jo Uotltpuoo g sg aauuznsul agugl.zow pannbaz zapua'l31 •aaugansuI agenaoN •0j &1.1l1lzm u! Jamul am 01 saazgg .apua-1 ssalun a2z0111 lou Hugs app aaj at1 pug plogasmal agl `i(uadozd am 01 app aaj sazmbou zamozzOH 3I •asuai atl jo suols!nozd ag1 Hu tinm Aidutoo ITggs zamozzog `plotasuai g uo s! luatun.tlsul Animas sell 3I •luaulAud $upsanbaz zam0zzog o1 zapuarl wag aollou uodn `1sazalu! qons g11m 'aTquXud aq Hmts puu luatuaszngslp Jo amp agi wag aluz aloN at1 1e 1sazalu! nag imp slunotug asatZ •luatutulsul Anmoas snp Aq paznoas zamozuog jo lgap Tuuojllppu atuooaq, puts 6 uopoas sup zapun zapual ,iq paszngslp slunotuu Xuy •6 uolloas slgl.apun pazpotptm suOpou Tiu z0 ,iue $u131g1 IOU 10J A1lJlgm!' ou smom zapua lmtl paazgg s! 1l •os op 01 uotlggtlgo 10 Amp ,Cum zapun lou s! pug os op 01 anti 1ou saop zapua' '6 uolloas sup zapun wpm a3[ 1 Amu zapuarl tgnot1Ty •jj0 JO 1.10 pauznl salllllln angg puu `suolllpuoo snozaguup zo suopgl0ln apoo .aglo 10 ulpTlnq ammun a `sadld tuou3 zalum utgnp `smopulm puu stoop do pzuoq 10 aouldaz `spool aguuto `snudaz 03Tutu of i1z0do1d agl gupalua '01 panto!! 1ou s! lnq 'sapnlou! Alzadozd ag1 &uunoas Iulpaaoozd .ioldnnitreq g u! uoillsod paznoas sI! gulpnlou! luatunzlsul Alunoas sup zapun s1gglz Jo /puu Xuadozd atl u! ma'am! Sl! loalOzd 01 saa3 sifau.ollu 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. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this -6(WY) (99041.01 Page 9 of 15 Initial 236 Form 3051 3/99 66/E L40E WJ01 v,' Y��ei3lv� 5 L io Ol e6e LO'(4066) (AM(9- ajquoijddy gum slot jpuoo aloN ag1 10 luatunilsuj Aumoas scut ;o asngjo JO uols!nold ,Cue 1su1 Juana all uj 'log Aq luatu00i2e lsuirgr uotltgigoid a se panilsuoo aq iou Hugs aouaps eons 1nq 'luaus aq 20tuc 1! io lzgiluoO Aq aaar o1 sapird agl Mojjg ,Cjuoijdutt JO Apcotjdxa uj uiAwj aiquotjddy Mg j ajgeocjddy jo suoprutuq pure sluatuaunbai Cur op loafgns are luamnclsul IC1t.cnoas slip ui paulgpuoO suope2tjgo pore s1g2u !Ty 'Palrooj si A1.cadold am t olmM ul uoclotpsunf all ;0 mg! at1 pur Mej jeiapa; Aq patuano2 aq Hugs luatutuisuj Auinoas situ, •got ;analsuoD 3o wing :,iullquianas `•MU'I 2upuaanoj '91 puaumupsuj Apunoas sup iapun luatuaunbai 2uipuodsauoo alp Ajspus jj!M luatuannbai Mewj ajgeoljddy agp `mr ajggoljddy iapun paimbai osjr s! luatunilsuj Alunoas sup Aq paicnbal aotlou Aug ;j •Japua-j Aq panlaoal Ajjenor jilun iapual 01 uant2 uaaq anew 01 patuaap aq log !jugs 1Uatunilsuj 'Clunoas sup 11" uopoauuoo tit aojlou Auy 'iam011og 01 aotlou Aq ssalppr 'amour pal?U2lsap srt iapun ssajun want! palels ssaippr moping 01 1!rtu sop 1slt; Aq 1t 2uijigtu ,Cq JO 1! 2uuanllap ,Cq uant2 aq jjegs zapual o1 aotlou ,Cuy •atop auo Aug jr luaurtulsuj Auinoas sup iapun ssalppe aotlou paleu2tsap auo /quo aq Arm aiaq j •ainpaoold paj loads 11 g2nolql ssaippe jo a2Ug43 a uodai Ajuo 'jugs iamouog gaup `ssaippe ;o amp s,iamouog 2utuodal .zoj ampaooid g saijtoads iapua-j ;j •ssaippg ;o auto s,iamouog ;o .tapua' Ajpou Ajldtuoid jjegs JOMOZtog •iapual of aojlou ssaippr aojlou aln g pa1RU2tsap set 12M0110 ssajun ssaippy Auadoid aql aq Hugs ssaippr aojlou aqs •asInuaglo saitnbai Aissaidxa mr j ajggocjddy ssajun S1 M011og Ng 01 aOpou a1n1t1su0O jjegs iamou0g auo situ 01 aopoN •suratu laulo Aq was;! ssalppe aotlou s,lamouog 01 palanilap ,ilpenlog uaTM 10 Iieut ssejo lslt; Aq pajleut ua1M lamouog 01 uant2 wag aneq 01 patuaap aq jjegs luatunllsul Al stgl g1!M uotloauuoo u! JOMOUOg 01 aojlou Auy u! aq lsntu luaum11suj Aumoas sup glint uotlOauuoo ul Japuai 10 iamoiiog Aq uant2 sazpou 'Ty •saoiloN 'SI '021r1Oiano tons jo lno 2utsire aneq lt2iut IaMOUOg u0!1Oe ;o 112!1 Aug Jo 1anteM a alnitlsuoO Ijlm iam0u0g 01 puawArd loam) gig aputu pun;ai tons Aug jo aOUeldaoog s,iamouog •(aloN alp iapun lo; papinoid s! aSJEtD 1UawArdaid log 10 1atlagm) o2ie luaut/Cedoid Cue lnoquM luamiigdaid wpm! a se '01101' aq jjtM uo!lOnpal 0141 `jediOUlld saOnpai punJal g j •10M0110g 01 luatu,Crd loalip r 2uplutu Aq 10 apoN am 1apun panto jrdlouud alp 2ui3npai pun;ai sup a)letu 01 asoolo Amu lapuf •lamouog 01 papun;ai aq jjlM sum!' pa11!tulad papaaoxa to mm lamouog wax pampa /Cpra1jg stuns iiue (q) pug :'null paluuuad am 01 a2.reto atl aonpal 01 Aigssaoau lunotue aql paonpai aq Hugs airgo treol tons Niue (e) :uatp 'swim palutuiad at1'000x0 ueol agl gl!M uOpoauuoa tit papalloo aq 01 10 papajloo sa2lrto tiro' 10110 JO 1saialut 0141 1x11 os palaidlaput ,Curti' s! Mel 1eg1 pure 'sa2lrq° uroj tunutlxrui seas tolmM mut r op loafgns Si urorj am 3I •Mr'j alquollddy Jig 10 1Uatutupsuj Jlunoas sup Aq paugigoid Ajssaidxa air Imp saa; Amp 1ou Arm iapua-j •aa; tons jo 2tit21glo 0141 uo uolllqujo.id g sg parupsuoo aq 1ou HMIs lOMOUOg 01 aa; ogiOads r amp 01 luatutulsul riltinoas sup u! Altiotlnr ssaidxa ;O aouasgg at1 `sag; 10110 Aug 01 ple2al uj •saa; uOputurn pur uopoadsu! ,Clladoid `saa; ,sAatuollr `01 palnulp 1ou lnq '2Utpnjout `luautnllsuj ,!ulnas slop iapun slg41 pug Jilladold atp u! lsaiaiu! s,iapuarj 2uiloaloid jo asodind 0141 lo; `llne;ap s,I3MO110g gllM uopoatntoO u! patuio ;lad saOlnias 10j saaJ 1aMOUOg amp Arm lapuaJ •sa2aBg3 ueo' •bi 'lapua-j ;o sU2tssr pug siossaoons all 11;auaq pue (0Z uopoas tic papinOld st? ldaoxa) ping Ibis 3UatutuISUj iC1!moas sup 3o sluamaai2e pue sumuanOO 0141 •2u!1!1M tit aseajai tons 01 mar 1apual ssajun luaUtnllSUj /Clunoas s111 lapun. /cumuli pug suoi11? qqo 5 10MOUOg tool; pasrajai aq 1ou Hugs 1aMOUOg 'luatunilsuj iC1lmoas s!11 iapun 31gauaq pug s112u s,i3mou0g ;o utelgo Hugs `iapuo' j ,Cq panoiddr sc pug '2upt1M u! 1uatutuisUj Al sups iapun suotle2ggo S 1OMOilog sautnsse o1M iamouOg ;o lsa1aluj u! Jossa0Ons Aug 'RI UOtlPas ;O suois!nold am 01 loafgns •luasuOO 5 100 is -o3 am lnoquM aIoN 0141 10 luatunilsuj Jlunoas slut ;O suual ag1 01 pir2al gum suoprpouuuo0O1 1(tir a)lrtu i0 Jragio; `,C;lpotu 'puma 01 aa12r tiro 1aMOUOg 1a110 ICur pug Japua-j 1rg1 saal2g (0) pure :1Uatunilsuj Alunoas sup Xq pampas stuns atl Awl 01 pale2ljgO i(jjruosiad 1011 s! (q) `.1Uatutulsuj Iulnoas sup jo stu1al agl lapun Alladoid all u! lsaialut 8 -oo am iCanuoO pug 1ug12 `a2e211otu 01 ,itu0 luatutuisuj Iitinoas 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 42 ,-6(WY) (9904).01 Page 11 of 15 Initi�Je!�'"� 233 Form 3051 3/99 66/£ 650£ WJOi F 5 t to Z t e6ed to117066) (AM)9-� dnu11al� Im111011cu011nug LIE 103 iapuai uo uopatigo tine 01E013 !MIS uialal u1110N Mw1 lE1ua11uuollnug 13IM aouupl000i ui suopou wawa' Xiessaoau llm a3lel AIlduzoid !imp 1amo11og `iilEssaoau sl Xuadoid all 3upoa33e aouulsgns snopJuzuj /Wu jo u0lpuIp0UUa1 1a pO 1O lmnoutal Xum imp `iCuud almnud Aug lo `A1jo11nm A101minga1 10 1mluaululaAO5 Cum iq paijilou si So `sllma! JOMOZSOg 3I •Al°iado1d all 3o amen all s10a33E iilaslanpm ggz1qM aoumisgns snop.ezIH jo asgalal to asn `aouasaid all Act pasnEo uoplpuoo SUE (o) puu `aounlsgns snopJEZEH r(uE jo amp.' 3 maim 10 amp.' `ag1elos1p Tui)leal `$ullllds Auu `o1 [pip!' lou inq 2utpnloul `uo111puoD lm2Uaumollnug Cum (q) `a$paImou4 lunpom seg lamollog lollM jo mm'l le;uauzuonnug 10 0011Eisgns snoprezmH put Amdahl all 2111AI0AU! 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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. -6(WY) (99041.01 Page 13 of 15 2 40 Form 3051 3/99 66/E ISOE wlo j 51. /a b t 002d 10M011Og- 12MO110g- (ieas) (ieas) IaMO .I M011og- (IeaS) (Ins) IaM0110g- 1aM011O13- (i s) (Ins) 1aM011Og- (Ins) r�z THIN HZO2i 'S NIH021 to'(bo66) )AM)g CD :sassauliM 1! glin+ papioaaz pug aaMoizog ,Cq palnaaxa .iapnj Cu e u► pug luautna)suj ,C)unaas sup uI pauig)uoa sumuanoa pug sum! agl of saai5e pue sld000 .zannonog `MO'I I L DNINJIS AEI STATE OF WYOMING, My Commission Expires: 9/12/03 -6(WY) (9904).01 Page 15 of 15 Teton by ROBIN S. ROTHERMEL and LINDA J. ROTHERMEL, Husband and Wife 24 2 County ss: The foregoing instrument was acknowledged before me this 18th day of December, 2000 Form 3051 3/99 (egad 1 to j eBed) 66/E 068E Wwoj 1NBWnUISNI WHOAINf oew elpperj /esyy eluusd cu d *As M a3ala 3W0H ENO33S 31visiiini J9MO1J08- (IeeS) JOMOJ109- (I JaMOJ10a- (IeeS) J8M0J10e- (I aw1augog 1 �puTZ •Japla awoH pumas sly; u! peuleluoo s;ueu8A03 pue SwJe; ay; o; seei6e pue s ;deooe JeMOJJOg MO1 ONINOIS A9 •awoy puooes s,1aMOuog se J(uedord Aouedn000 s,JemoJJO9 6uluieouoo suolle1uesaJdeJ 'ol pa ;lwll ;ou ern ;nq 'epnpu! suoge ;uese del lelJa ;eW ueoi eql gilts uopeuuoo u! (uol ;ewroju! Ie!Jeww g ;inn Jepuai epinoid o; pee i Jo) Jepue o; sluewele ;s Jo uollewrgu! eleinooeu! 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