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HomeMy WebLinkAbout87010602C_._ Return To: LOAN 6417110696 CA7- 513 -01 -09 CYPRESS POST CLOSING BANK OF AMERICA 6200 GATEWAY CYPRESS, CA 90630 -4842 Prepared By: T I NA RENTZ BANK OF AMERICA, N.A. 10850 WHITE ROCK RD, 2ND FLOOR RANCHO CORDOVA, CA 95670 f R RELEASE o b This SEE S Jet: 'i OF MORTGA6EF DEFINITIONS Borrower is the mortgagor under this Security Instrument. (C) "Lender" is BANK OF AMERICA N A y� 6(WY) (9904).01 Page 1 of 15 Initial VMP MORTGAGE FORMS (800)521 -j2 1 CVWY 11/29/00 2:45 PM 6417110696 Recorded, C? at sa, M In Book 4 1 Jtio Pa 3 Kemmerer, WY No. (J ,`1. a Jeanne Wagner, Clerk [Space Above This Line For Recording Data] MORTGAGE LOAN 6417110696 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 NOVEMBER 29, 2000 together with all Riders to this document. (B) "Borrower" is CLYDE R. JORDAN, A MARRIED PERSON Lender isa NATIONAL BANKING ASSOCIATION organized and existing under the laws of THE UN I TED STATES OF AMER I CA WYOMING Single Family FANNIE MAE /FREDDIE MAC UNIFORM INSTRUMENT Form 3051 3/99 111 11 66 /E ISOE WIOd 'VdSa l Japun „U Oj aalJODU palmo.1 djjeJapaj„ e sE /comb lou_saop ueo'j all It uana ut of 02E21sotu paNIOJ JfIIEJapal„ E of p.m2aJ ul pasoduul a.r1 lEll suo1loulsaJ pue sluatuaJlnbaj He of ssa�as ydsgN `luauunslsuj Slunoas slijl uw past' sy 'Jalleul loafgns gLIJES all SUJOAO2 lEgl U0[1E11120.1 .10 UOIIEISI2aj JOSSaoofS .10 LEUOtltppe SUE .10 `grad 01 aWI UIOJJ papuawu aq lgl t all sE `(00S£ lsud 'N'd'D 17Z) X uotlRjn2a21 `uollejn2as 2uiluatuajduwi sll pue (•bas la I09Z uolloas 'D'S'Il ZI) loy saJnpaoOJd luauuajllas alElsg IRON all SUEaut „ydsaN„ (0) luauunslsuj Slunoas slgl jo E uolloas Japun slunowe Sue (n) snjd `al0N all Japun lsaJaluI pue jedmouud (i) Joj anp lunouue pajnpanos Spem2aJ all sueaw „mawAed olpolsad„ (N) ue0 j all `uo ljnejap JO 'JO luauudeduou all 1.suje5e Japua'j 2utloaloJd aouesnsut sueatu aouesnsuj aSe$lsoj^j„ (hj) 'SlsadoJd all JO uotltpuoo Jo,puR anjun all '01 se Suolssl io Jo 'JO suotlEluasaJdaJSIUJ (AI) .10 :UOtlEUUUgpU0o JO non ut aOUP.J AU0o (Iii) :AlJadoJd all jo pad SUE Jo HE to 2urjE1. saglo Jo uotluuwapuoo (n) :dlsadoJd all 'jo uollonJlsap Jo `ol oSetuep (I) :Joj (S uotloas ul paquosap saRJanoo all sapun mud spaaoosd aouesnsut uetjl Jaglo) 1ilsed NIT Sue iiq pled spaaooJd Jo `sa2eluep jo p.mme `luauuajllas `uonesuadwoo Niue sueauu „spaaoosd snoauEjjaosm„ ('I) uolloas ul paquosap aJE lEll suuall asogl suRaw „swalj itiososg„ (}j) •s.mjsue.4 asnogguueajo paletuolne puE `sJajsueJl a.nM `auogdajal iq pau1llul sJajsuEJl `SU011oesu1Jl aulgoeuu Jajjal paleuuolne `sJalsueJl ajes_lo_lulod `ol pallutlj lou sl lnq `sapnjout tuJal guns •lun000e ue ltpaJO Jo ltgap of uotlnl1lsul je1oueull aztsollne Jo `lonslsul `JapJo 01. 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SAJEgo Jallo pue 'sluatussasse `saaj `sanp tie sueauu „sluawssassy pug `saga `sang uolleloossy, .il!unwwo3„ (j) •suotutdo je1olpnf ajgEjuadde_uou 'jeulj ajgsoljdde jjE SR jjaM SE (MEj JO loajja all anal lull) slops° pug sajnJ an1le.ls1ulwpe pue saoueutpso `StJ0 1ejn2aJ `SalnlEls jsooj pue alulS `TeJapaj ajgEotjdds gutjjOJluoo He susow „me'j ajgtoljddy„ (H) jdJ1oadsl (s)Jatp0 JapINijuRJf7_j JapIN Ouuojg puooas GD 969011L1b9 Nd Sb :Z 00 /6Z /ll AMAO Jo eBe 5l Z d 0 (AAA)9- Q 1 JapIN lugwARd AppoMlg Jam luauudolonaQ llun pauuEld JapmN tun1ujwopuoD JaPIN VA JapIN uoojjeg Japm gleN algslsnfpy :IajgEOljdde se xoq )JOalo] JatOJJOH ,iq palnoaxa aq of aJE sJapF 5ulmojjoj aqJ •JOMOJSOJ iq palnoaxa aIR 1E41 luauunJlsuj iil1Jnoas slgl of ssapiN jjE susauu „ssapl21„ (9) •1saJalul snjd `luatunslsuj Slunoas s1gl Japun anp sums jjE pue `aloN 011 Japun anp Sa2JEIo alEj pue sa2sugo luauuSedaJd Sue `lsaJalul snjd `aloN all Sq paouapina lgap all sueatu „uuo'j„ (a) „•dlJadoJd all ul s1g�IN Jo sajsuu. j,,, 2ulpRaq all Japun Mojaq paquosap sl lell Slsadosd aql suuatu „'ilsdosd„ (a) OcOZ 'Lo H88W8OK uEll Ja sj lou jlnj ul lgap all Ssd of pus sluatuifed olpouad JEIn2aJ ut lgap sill /cud of pasluuosd SEq .I AOJJOH 'lsasalu1 snjd 00' 009' 9tZ 'S'f1) &Tejjoa 001./00 ONV CI3daNfH XIS GNVSflOHl XIS Alb0d a8210Nf1H Oki Japuoj SOMO JaMOJJOJ lSll sa1E1s a1ON alI 0002 '6Z 839VGA0N palep puE JaMOJJOg Siq pals alou iiJOSStuu0Jd aq1 suRatu „aloN„ (aj) •luawrulsuj iilunoas stll Japun aa201.10111 all sI Japua'I OL996 VO VA0aa00 OHONV8 8001d ONZ as CI00d 81 I HM 0g801, Si ssaJppu s,Japuaq (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] "LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF." Parcel ID Number: 36192320004700 which currently has the address of 1434 COUNTY ROAD 106 [Street] ETNA [City] Wyoming 83118 [Zip Code] "Property Address"): TOGETIIER 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 IID 6(1/011 (99041.01 CVWY 11/29/00 2:45 PM 6417110696 Page 3 of 15 Initials: 53I Form 3051 3/99 66/E L 90E w.tOd S ;;C:)s en lul 51. )o y e6ed 9630ttLtb9 Wd St7:Z 00 /6Z /tt AMAX t leoasl (AM)9 14:1) •cuafj MoJOSg Uv aq pens sfuautssassE pue saaJ 'soup gons pug `JaMOJJOg "iq paMOJOSO aq `SUE 3l `spuatussassy pug saga 'sang uotpemossy dpluntutuoD pelf aJlnbaJ dew JapuaJ `ueorj ail jo uuaf alp 2uunp acutl Aug le JO UOREUi4JO „'sutapj MoJOSg„ pajjeo aJE scuafl asanl •pj uop1Oas Jo suotstnoJd alp g1lM aougpJ000g ul suinlcuaad aouvansui g2e21.aoN jo luautdgd alp jo nag ul Japual of JO/AO-1.10H dg ajgE "ivd stuns Aug Jo 'Aug 3l `stuntulaad aoupansui a3g21Joj1j (p) pug :g uolloas Japan Japua' "iq paJtnbai aoueinsut Tie pug dUE JOJ stunttuaJd (o) :Aug Jt `AliadoJd aq1 uo sluaa puno.12 Jo sluaut "ied pjoggseaj (q) :,ifJadoJd alp uo aoueJqumoua Jo uatj E SE luatunilsuj "ilunoas slip JOAO "iIIJO[Jd uIiEllE uto golgm Sutali Jatpo pug sluawSSasse pug sox (g) :Joj anp slunotuE jo luatu "iEd Joj appnoJd of „spund„ aqf) tuns E ul pied Sp afoN `aloN ail Japan anp OJE sluatu"ied OtpOIJad "iep a111 UO Japua 01 Sal jjEgs JamOJJOg •suialj MOJOSg JOJ spuna •f •sluatudvd otpouad ail jo 'lunotuE atjp a2ugtjo Jo `algp anp all auodfsod Jo puapxa you jjggs apoN all Japan anp jgdiouud O1 SpaaoOJd snoaugjjaosm JO `SpaaooJd aougansut `sluaut "ied jo uol1eoljdde duy •g1oN anp ul paquosap sg uagl pug sa2JE luatu "iEdaad Aug of 1s.nJ paljdde aq jjEgs sluaut "iEdaad "iJelunjon 'anp SaaJenO alej Aug Of patjddE aq "iput ssaOxa Tons `sluatu "igd otpouad aaotu Jo auo JO luatu "ied jjnJ anf of patjddE si puautdgd all Jaljg spstxa ssaoxa Aug rem lualxa aql of •jjnj ul pled aq ugo luacuded nova `lpnp luafxa atjl of pug 'jt sluaui "iEd otpotJad alp jo luaus "iEdaJ anp of JOMOJJOg uWOJJ paniaoGJ 1Uautded due "ijdde ;iEUw Japul Tutpuefslno sl puacu "ied olpouad auo uegl 9.10w jj •a2Jego alej all pug luaw d luanbutjap anp of pajjddE aq Sulu luatuded alp `anp a2Jeno alej Aug Sal of lunowg luelO!JJns p sapnjout nOiiM luatu "ipd otpouad puanbuljap p JOJ JaMo.uog luau luatudpd p SOAIPOaJ Japuaq n •020N and JO aougjeq jgd!OUtJd alf aonpai of uanf pug `luatunJpsuj d1lJnOas slgl Japan anp slunoute aalpo Aug of puooas algj op 18J1j pajjddE aq jjEgs spunoun 2ututvutaJ "iuy •anp atueoaq pt gOInM ut JapJO alp ut luatudvd Otpouad nova of pajjddE aq jjEgs sfuaulAud gons uotlOas Japan anp slunotue (0) '.aloN alp Japan anp jedtouud (q) :aloN alp. Japan anp lsaaalui (e) "iluoud Jo Japao 2ulMOjjoi anp ul pajjddE aq jjggs Japual "iq pai(dde pug pafdaoog sfuaut "ied `Z uopoas sin; ut pagJJOSap asTMJaglo se ldaOxg •spaaooJd Jo spugwded Jo uoipeotjddy •z lugcunJpsuj dlunoas slll "iq paJnoas sluatugaJ2e pug slueuanoa ail 2u1tuJoJJad Jo luacunJpsUJ iCIIJn0as slip pug al°N alp Japan anp sivatudgd 2UI)jgut 111OJ3 JaMOJJOg analjaJ jjggS Japual 1sup2g aJnpni alp ul Jo MOU OAEn 1.42I1.11 JOMOJJOH g0tiM LUIEIO JO TOSJJO oN •aJnsojogJoJ of Joud "ijalelpatutul afoN anp Japan aouvjvq jvdlouud 2utpuelspno alp 01 paljdde gq ITIM spun) gons `Jatj.Ea patjddE lou jj •JaMOJJO[ o1 wmp uanlaJ Jo spun] nons djdde Jag1ta Hens Japugq 'atulp jo pouad ajgeuosgaJ E ut4ITM os op 1ou swop JaMOJJOH ji •luaJJn0 ugorj alp 2uuq O1 1uatudud sa)jetu JaMOJJOg Than spun) patjddgun gons pion SELL' Japua-j spun] patjddeun uo psgaaful "iRd 1oU paau Japaa -j uagp `alep anp pajnpagos sip }o se papjdde sl luatuXed Otpouad nogg jj •paldaooe Jae sluatuded nous gulp. aq1 .e sluauided lions "ijdde o1 palE2tjgo lou si Japua'i lnq 'aanpni aqp ul s1uauided jpl1Jed Jo luaus "iEd gods asnjaJ o1 s1n2u sfl op aolpnfaad Jo JapunOJaq sln2u Aug jo JOAIEM pnoglJM `fua.uno uso-i agl guuq of fualoiJinsut luauiAgd jgl1Jed Jo luatu "ied Aug pdaooE Apra Japuarj •luaJJno ueo' aq1 2uuq o1 1u0loliinsut gJE sluacudgd jetpJed Jo luautdvd ag1 JI luacuAnd jgPJpd Jo luautdpd SUE u.tnlai "iglu Japua'j •sj uolloas ut suolsteoJd aojpou alp 4 JM aouepJ000e ul. Japaa -i dq palpu2Isap aq decu Se uo!1E0Oj Jat{10 lions 1E JO 010N ant III paleu2tsap UOREOOJ 0tj1 1E pantaoaJ uagM Japua'j dq pOAIPOOJ pauiaap OJE s1UOUJARd •JOJSUEJ1 spuna oluoJloajg (p) JO "ilpfua Jo "i1ljpluaulfJlsu! `doua2v j?JapaJ E dq paJnsut OJe s1tsodap OSO4M uollnflpsut up uodn uMgJp sl 3joago lions Aug papinoJd 'pppago sJatnsvo .10 loop s,JaJnseaJ2 `Vjoano lueq 'rjbano palJ11Jao (o) :Japan dauout (q) :ls1O (g) :Japuaq "iq paloejas SE `stuJOJ 2ulMOjjoi eqf jo OJOtu .10 auo ui apgtu aq luatunJ1suj d1unoas slip pug a1oN aq1 Japun anp sfugui "iEd 1uanbasgns jjp .10 due fEl1 aJpnbaJ dpui Japuari `ptedun Japuaq O1 pauJnlaJ Sp 1uatunJlsui dlunoas SIT JO a1oN all Japan luaus "ied sE Japual dq panpaoaJ luatunJlsui Jag10 JO ljoan° Aug Jl 'JanaMOpj •JOUaJJno •s'n ul apvut aq Huns luaumJ1sui "i1jJnoas slip pug a1oN alp Japan anp sluauJ "iEd uolfoas of lusnsJnd swan moJosH JoJ spun) Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 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 -6(WY) (9904701 CVWY 11/29/00 2:45 PM 6417110696 Page 5 of 15 Form 3051 3/99 66/E 1.906 wJoj �S14111U1 9L !O 9 0 6ed 969OLLLlb9 Wd Sb :Z 00/6Z/L1 AMA3 L 016066) (AM)9 pue 3ieda3 gons &uuna •pauassai you si Siunoas s,3apua' pue ajgiseaj Sjjeoiuzouooa si 3ieda3 3O UORRJo1S03 ag1. ji `SwadoJd atp jo 3ieda3 30 uoiI.ejo1.s03 paijddE aq pegs `3apua'I pa3inba3 sem aoueinsui 2uiSj3apun age TOU 3O 3agpagM `Spaao03d aaueJnsui Niue Tupi3M ut aa32e asiM3at o J MO33Og pug 3apua' ssalun •30M011og dq Sp:I O-Id apeUi 3i ssoj jo joo3d a ew few 3apua' •3apua' put: 3ai33EO aoueinsui aopou ldwo3d jjELiS 3aMO330g `SSOj JO 1uan2 Otp Uj •aaSed SSOJ jeuop!ppe ue se 3oipue aaegl.Joui se 3apua'] auieu pegs pue asnejo ae21301.i pispuels e apnjoui pugs Soijod gons `,ivadoJd age `jo uopn3lSap 30 `01 aEuiep 30j `3apua'I iq pa3inba3 aSIM3ag2O SOU `a2eJaAoO aouE3nsui Jo uuo j Niue suieigo 3aMO33Og jj •saoi ou jeMaua3 pup SuinItuaid pied jo s diaoa3 IIe 3apua' ani' SjlduioJd pegs 3aMO33Og 'sa3jnba3 3apua' JI •saleoilp3ao jeMaua3 pue salatjod alp pjoq Ol'1.q$I3 alp OAELi j1E4S 3apua' •aaSed ssoj jeuopippe uE se 3o/pue a020130wI SE 3apua' aureu pegs pug 'asnejo aSe21.3oui pJepuels e apnjoui pugs `saioJjod Lions an03ddesip o1 lLiSu s,3apua-j 01 loafgns aq Hugs saioijod qons jo SjeMauaI pue 30pua' iiq pa3inba3 satoijod aoueJnsul IId •TuawAud gupsanba3 3aMO33og o� 3apua' uio3u aopou uodn gons qTM `ajge,ied aq pegs pug luau'asJngsip jo alep alp u'Ou ale3 a;<°N age lsaiaiui 3eaq jjegs slunou'e asagi STIJn °as sigp Sq pampas 3aMO330g jo lqap jeuoi1ippe auiooaq jjegs s uopoas 3apun 3apua'] iq pasJngsip slunOule ,iuy •pauielgo aneq pjnoo 3aAO33og lap aoueJnsui jo lsoo age paaoxa Spueotjiu2is 211gjui pauie1.go os aeJaAOO aaueJnsui aq1 Jo lSOO age Sagpaimou Oe 3aMO3SOg •a.oajja UI Sjsno'AaJd sum uEqp 02eJOAOO JOSSaj 30 3aI.ea3$ apinoJd lggiui pug di.ijigeij 3o p3ez q '?jSI3 SUR 1S1.11aE 'til.Jado3d OUT JO STUOTUOO age JO `ti13adO3d alp ui S,3aMO33Og `30M0JJOH 2O02oJd 10U 1.1.121LU 30 1.112IUZ lug '3apua'I 3aAOO jjegs aE3anoo gons `aJoja.agj •a2eJaA00 JO lunOUIE 3o adti1 3ejnop3ed Sui asEqu3nd O� uope2ijgo ou 3apun si 3apua' •asuadxa s,3aMO3uog pue uopdo S,3apua' 'a2E3aAOO aoueinsui uielgo view 3apua'1 anoge paquosap saeianoo alp jo Sue uielurrw sjiej 3a,11O.uog jj •Jan/m.1. og Sq uopoafgo ue Luau 2upjnsas uopeu1uual.ap auoz pooh Niue jo Maina3 age q M uoRoauuoo ui buggy luauuaeueJAI Souaiauig je.apa j age iq pasodu'j sooj Sue jo luaurifed agp Joj ajgisuodsai aq ogle pugs 3aMO33og •uopeotjp3ao 3O uopeuiuualap gons loajjr �g�iur iijgeuosea3 goigM 3n000 saueq° 3ejiuiTS 3o SguiddEU'a3 011I11 igoEa SA3EgO luanbasgns pus SaDIAJOS uOpeoilp3aD puE uopuuiu'3alap auoz poojj Joj Amp auip_auo e (q) 30 :Sao1A3aS 2uujosJa. pue UOpe3ijp3ao `uO1]Euiuual.ap auoz poo1j 3Oj 033E11O au'11_0UO E (E) :3041Ia `ueO'T Sigl uOgOauuOO ui 3aMO330g 0jjnba3 Sew 3apua'I •Sjgeuosea3un pasjo3axa aq jou pegs 1112u goigM `aojogo S,3aMO33og OnoJddestp s,3apuaj loafgns 3aMO33Og ,iq uasogo aq jjegs aoueJnsui aLi1 Sujpjnoid 3au3E0 aoue.nsui aqZ •ueo'] alp jo ui3al of 2ui.inp auego ueo saoualuas guipaoa3d alp of luens3nd sa3jnba3 3apua' leqm •sa3jnba3 3apua' spouad age 30j pue (sjanaj ajgponpap 2uipnjouj) slunouie ui pauielu1ew aq pegs aouE3nsui slq j •aoueinsur sa3jnba3 3apua' goigM 303 `spooJJ pue salenbqp3ea `off pa3.1uiij you Tuipnjoui spJezeq 3agpo SuE pue „'a2eJanoo papualxa„ iu3al. age ujtpJM papnjoui sp3ezeq 'anjj iiq ssoj Isureae pa.nsuj dwadoJd uo pawa3a 3aUea3ag .10 2URS'xa MOU S1UOUJQAO3dUJI age daal pugs 3aMO33og •a)UeJnsui SlJadoid •g •ueo' g2iM uopoauuoo ui 3apua' iq pasn aoinJas 2up3oda3 3oipue uoi2eOTJUUan amsa jea3 g 3oi a83EuO aw _auo e lied 3aMO330g ajinba3 SEUZ 3apua j uogoas sigh ui anoge woj has suogoe aqp. jo wow JO OUO a)JE3 JO Uetj ag} djsRes jjegs 3aMO330g 'U24 St a3TI.OU goigM uo alep ay. jo sifep pj •ua1j agp guiifjp.uapj aoj }OU e JOMO33Og aAi5 ,feu' 3apua' `Wuautn.nsuj di.unoas sigp Jan° SI.uoud uiupe ueo goigM uail e of loafgns si SI.3adoJd jo Sue sauIlwalap 3apua' �I •TuauinJpsuj Slunoas sigl uatj age 2upeuipJogns 3apua' S30rejspes luaivaa32e ue uail age jo 3apjoq age iuoJj saJnoas (o) 3o '.papnjouoa 03e s2uipaao03d gons jl2un Ajuo Tuipuad P.M auipaaoo3d asogp aj1gM uail age jo luauiaoiojua agp luanaJd ap3ado uoiuido s,3apua' ui goigM s5uipaaoo3d je2aj `ui uaij aLi1 jo luau'ao3ojua lsu!au spuajap 3o 'gig Iplej pool UI uatj sIsaluoo (q) :luacuaaae gons &uju13ojJad sI 3aMO33og se uoj os /quo rnq `3apua' ajgeldaooe 3auueiu restoration period, Lender shall have the right to hold such insurance 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 disburse proceeds for the repairs and restoration in a single payment 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 insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance 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 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 4::>--6(V011 (9904).01 CVWY 11/29/00 2:45 PM 6417110696 Page 7 of 15 Initials) 541 Form 3051 3/99 66 /6 1.50£ wlod C;(:5 'sleMul 5l 4o g e6e 969011ll79 Wd Sb :Z 00/6Z/It AMA3 t otto66l (Am)g- cur .1oj sulntuta .1d 041 p .1umol sluauiSed paleuffIsap Sjaleaedas axeui o1 p0 .1tnba.i sem .1amo .1 .1og pue ueo-! 041 2uixetu jo uoptpuoo u se 0oue .1nsuj a2eS2aojA! paainbaJ .1apu0'j jj •aoue .1nsuj 02e22.1oy .Ioj suintuiaad a4l paemol sluaut,fed paleu2tsap Sjale .1edas s0 .1tnba .1 .1apua'j pue 'pautelgo s1 `algElieAe sawooaq utae aapua I iq p01001as .1aansut ue ,fq paptno .1d (sa .1rnba .1 .1apua'l lap pound 041 .1oj pue lunoutu aql ut) a3e .10A00 aaueansuj a2e2laoj^! jt sluauided ana0s0.1 ssoj 0 .1tnb0.1 aaguoj ou ueo aapua7 •OAJOSPJ ssoj gons uo s2uluaea JO lsaaalut /cue a0mo .1 .1og /fed o1 pa .1tnb0.1 aq 1ou !jugs aapua-j pue 'jjnj ui pled ,ilaleuzllln st ueo'! 041 1e41 loej 041 2utpuelsgl!m1ou 'ajgepunja.z_uou aq !legs OAJOSOJ ssoj gons 'OODUansuj 03e21JojA! jo nail ut aAJOs0a ssoj alqupunjaa_uou s se sluaut,ied asa4l ute20.1 pue asn 'ldaooe !!tm .1apual '10.1!!.1 ut aq 01 paseao 02e .10A00 aouu .1nsul 041 uaim anp 0.10m 1 sluaul,fed paleu21sap iijoleaedas agl jo lunoun aql aapua-j of /fed 01 anutlu00 !jugs aamO .1 .1Og `ajgejtene lou st ale .1anoo aoue .1nsuj aegpojA! luojeninba ,ijjetluelsgns jj .1apua' ,iq paloojas .1a .1nsul 02e21aout aleu .1alle ue tuoaj '100JJO ut ,ijsnotna .1d aoueansuj 02e21.1oN 041 jo JOMOJJOH of 1600 ay. 02. luajenlnba if!letluelsgns lsoo e 1e `loajja ui Sjsno!Aaad Ooue .1nsuj 02e2l .1ow a41 01 lualentnba ,ijjetluelsgns aeaanoo ulelgo o1 pa .1Inboa sutnluia .1d 041 ,fed nap .1amoaaog 'aoueansuj aeg1 .1oiAl aoj suintuia .1d 041 paemol sluoutifed paleu2tsap ,ijaleaedas a3lutu Ol paatnbaa sem JOMOJJOH pue aoueansul qons pap!Aoad Iijsno!Aaad 1542 aaansul agegl .1out 042 utoaj ajquitens aq o1 saseao aapua-j sq p0 .1tnb0.1 02e .1OA00 aoueansuj 0ge21 .1oj 1 042 `110sea.1 SUR .1oj `jj loajj0 ut aoueansuj a2e22.aoIN 041 uTeluteut of pa .1tnbo.1 sumtwoJd 041 /cud 154s JOMOJJOH `ue01 041 2uDleut jo uotltpuoo e se aoue .1nsuj 02521 .101A! paatnba .1 .1apuorj jj •aoueansuj a2e2laoJ, .01 tu11um u1 .102 .10ut 041 01 saaae aapuai ssajun Amu.' 10u Hells awl aaj 0q2 pue pjogasuaj 041 'iil .1ado .1d a4. 01 app aaj sa .1tnboe .1amo .1 .1og jj •0850! 042 jo suotslnoad a41 Ile 41!m Ajdutoo !jugs .1amo.uog `pjogOsea! e uo st luatun 4suj IflunOas sTg1 '1u0LUAed utlsanbaa .10MO .1 .1Og 02 .1apun utOuj a3i10u uodn 'ls0 .1a1ut gons 411m 'ajgeifed aq !legs pue luautas .1ngstp jo alp alp uto .1j .115.1 aloN 041 25 Isaaa2.ut .1eaq !legs slunoute asa4 j, luatun4suj Xq paanoas JOMOJJOH jo !gap jeuotltppe aulooaq Hugs 6 uotloas s!4l .1apun .1apuo'j ,iq pas .1ngstp slunoLue ,fuy '6 uoil0as si41 aapun pazpoglne suotloe lje JO ,iue 2ul)lel 1ou aoj iiltltgetj ou s .1nout .1apua-j 1542 panau st 1j •os op 01 uotlaIjgo .10 ,ilnp Sue aapun 1ou s1 pue os op 01 0Ae4 lou saop .1apua-j `6 uotloas sm. aapun uotl0e 01e1 dew aapuaJ 1ffno41JV •jjo .10 uo pau .1n2 satltjtln anal pue `suot1tpuoo snoaauup .10 suotlejotA apoo .10410 .10 2utpltnq 0leuTLUtja `sadid wo .1j aalum ute .1p `smoputm pue snoop do p .1eoq .1O ooejda.1 `slooj auego 's .1teda.1 a)juui o1 iilaadoad 041 2uualua `01 paltult! 10u Si inq 'sapnlout ,i2a0do .1d 041 2utanoas •2utpaaoo .1d ,ioldna)lueq e ut uolltsod pa .1noas s11 2ulpnj0ut 'luauinalsuj Alunoas s!41 .1apun .1oipue dlaado .1d 041 ut 2.60aa1ul 5 11 loaload 01 saaj ,s,fauaolle ajgeuose0a 2ut,fud (3) pue :1ano0 ut 2uueadde (q) `luautnalsuj Jilpnoas si4l JOAO ,ilpot .1d sal 43!4m u04 e ,fq paanOas sums ,iue `dutjfed (s) :01 pa 1LU1! 10u a .1e 1nq 'apniout ueo s10110e s, .1apuarj •A1J0doad 041 auuled0.1 aoipue 2uun0as pue '1ilaadoad 041 Jo. amen a41 2utssasse JOipue gu11o01oad 2u!pnl0ut `luauinalsuj ,iltano0s sm. .1apun s1421.1 pus iilJOd0 .1d 042 ut 2sa .1alu! s,aapua-j 10 .1!0 .1d o1 01e1.d0 .1dde .10 algeuose0.1 s1 .10A01e4m aoj ,fed pue op deal aapuag ua41 `,ilaadoad 041 pauopuege su4 a0moaaog (3) JO '(suot1ejn20.1 ao sme! aOJOjua 02 ao luaumalsuj ,flpno0s si41 JaA) ,i11.101ad u15115 Sew 4014m ualj e j0 1uaLuaOJOjua .1Oj 'a .1nllaj .1oj JO u0tleuutapuoo .1oj `alegoad `Soldna)jueq ut &utpaaoo .1d s se gons) luautnalsuj ifluno0s s141 J0pun s142u ao/pue ,f2.1ado .1d 041 ut 1saa01ut s,aapua-j loajje 1fllue0tjtu is 24}11.1 Imp 2utp00a0 .1d 1e2aj a s! 0.1042 (q) '2.uautn 4suj'ilpnoas sm. ut pauleluo0 sluaLuaaJ2e pue slueuanoo 041 uuoj .1ad of sllej .1amoJJOg (e) ji •luaurnalsuj 'ilunoaS 6141 aapun s3q$1)J pue Alaadoad 0 41 ut lsaaaluj s,aapua' jo uotlaaload '6 'aouapisaa jedloupd s,aamo .1 .1og se Slaodo .1d alp jo ,iouedn000 s aamo .1.1og gutuaaouo0 suotleluasaad0.1 `01 paltullj lou 0.15 lnq 'apnjout suoIleluasaada.l [eualeN •ueo'J 041 41jm II0110au100 tit (uotleulaojut jepalutu 4ltm aapuag aptno .1d o1 paltuj .1o) aapu0 -j o1 sluaWalels .10 uotleuuOjui ale .10OORUI ao `flutpeajsttu `asjuj ,i!luu0leul aneg 11J0S 100 JO apajmou)l s,a0mo.mog 41tm Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. 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 4 6(W)1 (9904).01 CVWY 11/29/00 2:45 PM 6417110696 Page 9 of 15 Initialse•CL 54 Form 3051 3/99 66/C L90£ WJOA I V a!emmu' 5L 4 OL e6ed 969011L1b9 Old Sb :Z 00/6Z/11. AMAX L o (boss) (AM)9 %law 1an'1o11og Ol fuaulAsd loalip Aq apsul punjol lions Niue jo oausldaoo5 s,Jan10JJOg •(010N OLD Japun Joj papinoJd si amp fu0uiifedaJd 5 lou JO Jagi qM) a2Jetja luaui,fedaJd Aug 1noq.rM fuaulAedoad jsilled e se polso.4 oq jjim uocfonpal alp `jedTouud saonpal punjal 5 jj •JaMollog o1 luaulS5d loaJip a 2u1)jeul Ai 10 al°N 0141 Japun paMO jsdiouud a41 2u►onpaJ iiq punJaJ Sjg1 a)ISul 01. asoogo Sulu Japua'j JaMoJJog oI papunjaa aq jjtm sltuiij palliuilad papaaoxa goi14M JaMoJJog uloJJ paloajjoo ApsaJjs sums Pius (q) pus :ltulij palliuJJad a4f of o21sgo alp aonpOJ of Alessaoau lunouls 041 Aq paonpaJ oq jjegs a2lsgo usoj lions iius (s) :uag1 `sltuiij pall1uJJad 041 p00oxa uso'I 041 41tM UO1l3aUU0O ui paloajjoo aq 0 Jo paloajjoo sa2Jego usoj Ja410 1O 1sa.a.ul a4f 1541 os palaJdJalur ijjeug SI Ms! 151 pus `SaffJSLja usoj uinulJXeul slas goILIM M5j 5 01 lOOfgns SI U50'I alp JI •Me'I ajgsoijddy Aq Jo luaulnllsuj Altlnoas paligl4oJd Ajssaldxa a.is Is41 saaj a2JSgo lou ,isui Japua'j •aaj lions jo �ui�JSgo 041 uo uoiligigold s se panl1suoo aq 1ou !lugs JaMoJJog o1 aaj Tcoads luaulnJlsui Alllnoas sIgl ui Aluoglne ssaJdxa jo oouosqs 0142 `sooj .10420 Sus of pJ520J ui •sooj uoil5njen pus uo1oadsui 1illadold `saoJ ,sA0u1o1fe `01 paliultj 1ou 1ng Tuipnjoul 'luaulnJlsu! Alunoas S1g1 Japun S1.42i1 pus S1JodoJd 041 UI 1so.io u1 S,Japuol 2uT1o0loJd jo osodJnd 0141 Joj `ljnejap S,J0MOJJOg 1411M uoiloauuoo ui pawwlojJad SOOIAJOS JOJ SOOJ JaMoJJog AJSgo heat Japua'j •sa2Je43 ueo'j •Jopuoq jo suglsse pus sJossaoons alp lijouaq pue (oz uo1loas ui papinoJd se ldaoxo) puiq jjegs 2UaulfJ1SUI iilTJnaas 5141 JO Slu0uI00J55 pus S1UeuanOO 0g� '2uilTJM ui aS50J0J lions OI S0OJ2e Jopua'I ssajun IuaumJlsuj jifuno0s sip Japun ii1TJTg51j pus suo11aijgo S,JaMOJJOg UJOJJ pomp.' aq 1ou Hulls JOA1OJJOg •luaulnJfsuj AlIJnoas s141 Japun slTJ0u0q pus s1.142TJ S,JaMOJJOg jo jj5 uTelgo Hugs `Japua'j Aq panoJdds sI pus `211i11JM uI 1u0UlfJ1suj dluno0s sj41 Japun suotlegijgo s,JaMOJJOa saulnssS ogM JoMOJ10g 3o Is0laluj ur Jossaoons AU5 '81 UO11O0s Jo suojsinOJd 041 o1 loafgns •fuasuoo S,JOU2TS_OO 0111 lnog1iM a1oN a41 JO luaulOJlsui ,i11Jno0s S!111 Jo Suuol 0141 Ol pJe20J gIIM sUOIIepOwumoos Sue a?jeui 10 leagioj `[iJIpoul `puolxa of 00.125 050 JaMoJJog Ja1410 Iiue pus Jopua'-J 1542 s00J25 (0) pus 4u0UlnJ1sui iS11Jno0s sigl Aq paJnoas sums a141 jied Of pa1e2Ijgo ,ijjsuosJ0d 10U SI (q) .1u0umJ1SUj Ifl1Jno0s 5141 Jo Sullal 041 Japun A1JadOJd 0141 u1 1S0J01u! s JOU2iS_o0 0141. S0nuoo pus IURJ2 `02521Joul 02 Apo lu0UlnJ2SUj i11Jno0s 5141 21111.12is_oa sI (s) „Jau2Is_oo„ s) aloN 041 aln0axa lou coop lnq 1UOum4suj til!Jnoas 61141 SuSIS_OO 04M JaMoJJog iiue `JOAOMOH •JIJOAOS pus lulof oq jjegs ,iljjigejj pus suo!1s ijgo s,JaMOJJOH 15111 500125 pus slusuanoo JaMoJJog •punog sua!ssy pus sJOSSaoons 'sJau2!s off :Almg5i'j ielanas pue lujof i •ApoluoJ JO 14211 Sus jo OSIOJOXO 0141 apnjoald Jo JO JOAISM 5 oq 100 jjegs `anp U041 funolus 041 u541 ssaj Slunoule 01 .10 Jan1OJJOg Jo lsOJaluj Ui SJOSS0oons .10 S0I1T1ua `suosiod p1t41 uTOJJ su0ulii5d JO aousld0ooe s,Japua'I `UOi1S11u1Ij IROgl!M tulpnjoui Ap0Ui0J .10 14211 [iue 2u1sl0Jaxa u1 Japua'j Aq aoueJSOgJoj Iuv •JaMoJJog JO ISOJ01UI ui slossaoons Niue .10 JaMoJJog j5U1 110 042 Aq apsul pusulap "cue Jo UOSSOJ Aq luauinJlsuj ti1iJnoas Si141 iq paJnoas sums 041 JO uo1SZlIJOUIS iiJipoui 05TMJ0g10 JO 1u0ulksd Joj 0u111 pua1XO 02 asnJOJ 01 Jo JaMoJJog JO ISOJO1uj u1 Jossaoons Aug ISUT5 5 s2uipooaold OOUauluTOO 01 poJinboi oq 1ou !lugs Japua'j •JaMoJJog Jo IsaJa1uj uj SJOSSaoons I U5 .10 JaMoJJog JO Alifgeij 041 OSSaja1 01 alSJado 1OU jjs4s JaMoJJog JO 1SOJ01uj UI Jossaoons Alm .10 JaMoJJog Of J0pu0'I iq p0fu5J$ Iuoum4sUI iilunoas 5141 Aq paJnoas sums 0141 Jo Uoi157l1JOtue Jo uotfsoglpoul 10 1uoluAed Joj 0Wi1 alp JO U01SUa1xg •JOAIRM e 1°N Japua'I Mfg aoueJeaglo3 `.paseaja21 ION JaMoJJog •ZI •Z uotloas 01 Joj papinold JapJO 041 u1 poijdds aq !togs Ii1J0dOJd 041 JO JTSdOJ JO uOIISJO1SOJ O1 poijdde 10u 0.15 1541 Spa°OOld Sno0u5jj0OSld^I IIV lapua 1 01 pled aq Ije4s pus pau2isse Ag0J04 018 Ji1J0d0Jd 0141 u1 fsaJ0lui S,Japua'j JO fu0WJ!Sdull 041 0l ajgeingiJlle OJe 18141. sasul5p JOJ uJTSJO 10 pJSMS iiue JO sp0000JCd 014 •fu0UlfJlSUJ df!Jf3Os SI41 Japun s1V!J JO ti1Jad0Jd 041 II! ISOJOIUT S,Japu0'I JO lu0UlJ!sdull JSTJaleul 10410 10 1ilJ0doJd 041 Jo OJnliaJJOJ sopnjooJd `fu0ui2pnf s,Japua'j ut `1841 2utjnJ e 111tH passiuisip aq of 2uipaao0Jd 1O UOT4Oe 041 2u1sn5o Aq '61 uoiloas ^US will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 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. 6(WY) (9904),O1 CVWY 11/29/00 2:45 PM 6417110696 Page 11 of 15 Initials 54! Form 3051 3/99 66/E 1.50E WJO •-ziOSie i ui 51. ion e6ed 969011L1b9 Old 9b:Z 00 /63/11 AMA3 0(0066) (AM)9- wnaro.1lad olxo2 JO ajgeuwerj aa410 `auaso .1al 'auljose5 :s0ouolsgns Eulmojjoj 041 pue ms�i jeluawuoatnua Sq so2sem .10 `s2uelnriod `saouelsgns snopaezeq .10 oix01 se p0uljap saoue2sgns agog'. 030 „saoue2sgns snop .1ezeH„ (e) :it uolloas sTgl ul pasn sy 'saauelsgnS snopaezeg •jZ 'OZ uolloas slgl jo suoislno .1d uot2oe aniloaJaoo axe2 o1 SliunlJoddo pus 0oi2ou 041 Ajsiles of pawaap aq !logs gi uoiloas of 2uens.1nd .10MOJJ0g of uant2 uotle .1ajao00 jo 0ot2ou a41 pus ZZ uot1oaS of fuensand aamoaaog 02 uanIS oJno of S2lun1aoddo pus uolleaaja000 jo aoifou aq j '4ds .12e .1ed sigl jo sasod .1nd .ioj aigeuosea.1 act of pawoop act JjTM pouad awil 1042 `ua3jml act ueo uo1100 uiel .1ao oaojaq asdeja lsnw 40T4m pouad owls e sapino .1d meZ ojgeoliddy ji 'uol1oe ani1oaaaoo ale2 0l aot1ou lions jo 2u1nt2 042 .tape pouad ojgeuoseoi i 020 .104 Spud .10410 a42 papaojje pug goea.tq po oije Bons jo (sj uotloas jo slu0wa .1tnbaa 042 421m aoueijdwoo 111 u0n12 03110U 4ons g2jm) S2aed .10420 042 paljl9ou sou aapuari .10 .1aMO.1 .1014 lions j11un `2uacunJ2sui d2unoas si42 'jo U0se0a dq p0m0 'i2np Niue .10 `jo uolslnoad Niue pagoeaaq sal Slasd .10420 041 1041 sa2arrl 1042 .10 luauin .1lsui ii1uno0S sT42 02 2uens .1nd suo12oe s,1f2 .1ed x0420 042 w0 .1j S0S .I0 1041 (ssejo e jo .iagwaw 041 .to lue2j1lj jenpjnlpui ue .104210 se) uolloe jelolpnf ifu0 01 paulof oq .10 `uiof 'oouawwoo ii0w .iapua-i .tou .1am0aaog .1aglj0N •aassgoand 020N 041 iq papinoad astmJa4Io ssajun .iasego.md oloN 041 dq pawnsse 2011 a .1e pus a001naas 1100ri JOSS0000S e 01 pa .1.1ajsuea2 04 .10 .1aoinJ U00' 042 1111M u10wa.1 Iilm JOMOJJOH 01 suol205ljgo 2ut0ln .1as u0oj 02022 .1ou 042 `oloN 042 jo aase4o .1nd 042 11042 .10410 .1aolAJog u00Z e iq paolnaas s1 usori 042 a02j00 .1011 pue pjos al 020N 042 jj '2U1O1AJ0S JO .OJSUOJ2 jo 0012011 0 421m uo120auuoo 111 sa .1Tnbaa yam' uotlouuojul J0420 Niue pue apew 04 pino4s s2uawSed 4014m o2 ssaappe 042 `a00IAJOS 1100 mau 042 JO ssa .1ppe pus aweu 042 alsls jilm 40t4m 0211040 0142 jo 004011 u022um uant2 oq ritm .1aMO .1 .1Og .1aoln .1ag u0ol 042 jo 0211040 e sl 0 .1042 ji •020N 042 jo ores e 02 pa20j0 .1un .1aoTnaas U00'i 042 jo sague40 0 .1011 ao auo aq 242111 Oslo 0 .1041 'm0-i aigeoliddy pus `2uawnJ2sui A2un00S 0142 `020N 0142 aapun suo!lo2ljgo 2U10TAJOS ueoj 02052aow .10420 su .1ojaad pup 2uawna2sui A2un0as st42 pue oloN 042 aapun anp s2uauiSod olpouad maim 2042 „aa31AJos u0o'i„ a42 se UMOU) iililua 042 111 02U040 e ui 2jnsaa 24$lw ales y 'JOMOJ .1og 02 0012ou aol .1d 2no42jm sawtl OJOW JO auo pjos 04 1100 (luaunalsui Silmo0S 0142 421m .10420202) oloN 042 U1 2sa .1a2ul i0j2aed e .10 010N 04j '0011enalarJ jo 00!1°N :aaClnaas ueori Jo aue4J :020N jo aieS 'OZ •81 u0i20as aapun uotlsaaia00e jo aseo 042 11 1iidde 2ou 11045 ale2sulaa o1 14211 5142 'Jong/knoll 'pax .1no0o peg uoTleaaja00e ou ji se anT2oajja iijjnj ujewa.1 ije4s ,igaaaq p0an0as suoTle5Tigo pu0 2uawn 4sui 'i2un°0S st42 `.1amo .1 .1og iq 2uawa2o2suI0J uodjZ .1ajsu0aj spun) oluoa2o0rg (p) .10 :S212u0 .10 S2i1e2uawn .12sUl `Jfou02e jeaapaj 0 iiq poansul a .10 sllsodap 0904m 1101201129u! 110 uodn umeap s1 310040 4ons Niue papinoad `310040 S,aa14s00 ao 310040 s, .1aans00 4 `310040 3juoq `310090 paljl2aao (o) :aap .10 ,iauow (q) :use° (o) :Jopuo'J ,Cq p020010s se `suuoj 2uimoijoj 042 jo aaow .10 ouo ui sosuodxo pus scans 2uawa2e2su!a.1 lions Sod aamoaaog 2042 a .1inbaa few .1apu0' 'p02ue40un anu12uo0 Bogs `2uawn 4suj SlImoos 0142 iiq paan0os suns 042 Sod 02 11012051jgo s, .1amo .1 .1og pus `2U0un .12sui ,i2Tan0as 5T41 aapun 024211 pu0 Ji2.1adoad 041 111 2sa .1alul s,aapua'i 2042 a .1nsse 02 aambaa ifjg0uose0a Soul .1apUaq S0 1101100 40ns 903102 (p) !Duo :21.10wn 40111 S2un0as 5142 aapun 02421.1 pue 1C2a0doad 042 ul 2saa01U1 s, .1apuoq 2uifoalo .1d jo asod .1nd 042 aoj pa .1 .1nou1 saaj x0420 pu0 `saaj uollenien p110 uoi20adsui ii2 .1ado .1d 'saaj s,fau .1022E aigeuoseaa '02 pa2lwlj 2011 2nq Iulpnioul 'luauna2sui SlImooS st42 2ui0aoj-ua 111 pa .1an0ut sosuodxo ire spied (o) :4u0wa0 .12o .10 sIueuano0 .10420 Awe jo lin0jap Slue saan0 (q) `.p0 .1ano0o peg 110120.1010000 ou jl se oloN 042 pug 2u0wn 4SUi S2un00S 0142 aapun onp act pinom 11042 40i4m suns ire JOpua'i shod (0) :Jomoa .1og 2042 a .1e suoi21puo0 aso4j •2uaun 4sui i 11an00S si42 21110 .1oju0 luawgpnf e jo SJ211.1 (0) a0 :0202sut0a 02 2421) s,aamo .1aog jo uol20utwaa2 042 aoj Sjloads 242111 m0r1 o1geoiiddy so pouad x0420 40ns (q) :2u0una2sui SlIJn00S 9142 ut pau1021100 ores jo .1amod Niue 02 luensand A2Jodo .1d 042 jo ales aaojoq s1iep anlj (e) :jo 20011 .100 a142 02 aoud aultl Xu0 20 panul2uooslp 2uauna2sui 2i2uno0S 5142 jo 2Uauao .1OjU0 an04 02 2451.1 0142 an04 t1045 aamoaaog `suolllpuo0 11102.00 8100W aamoaaog ji 'uoileJoja3oy aoljy alelsulag 01 21j2im S '6i 90' products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: 1:01-60.1n1(99041.01 CVWY 11/29/00 2:45 PM 6417110696 Page 13 of 15 5 11 Form 3051 3/99 66/£ LSOE uuod samossog- (I samoss0g- (I lamossog- 7i, SL io 41. 06rd sam0s (Ieas) sam0ss0g- s0m0ss0g- (leas) (teas) samossog- (Ieas) 969011Llb9 Wd 9b Z 00 /6Z /ll AMAG L O140e6) (AM)9 :sassaujtrn gpJM pap.tooai pus aaAOaaog Sq palnoaxa aapt21 ifue ut pue :uaum. suj d1.1.1noas tit pauteluoo SWeuanoo pus suual alp 01 pue sldaooe JannoPog `mp-jal" JNINJIS Aa lutuioSA‘ jo sntej uopduTaxa pealsatuoq alp jo anptn Act pug aapun s1.4gp jje santeM pus Saseajaa aaMOaaog SaanreAl 'i ajgeotjddy Japun st aaj alp jo $ut2aetgo atp pue paaapuaa saotnaas aoj Aped p.iiq mud st aaj alp dt Sjuo `luatun.psuj £l.pnoas ;jutseajaa aoj aaj e aaMO.t.JOg a2.tetjo Meru aapua' •s2soo uopepaooaa Sue iced pegs aaMO.taog luaumilsuj iilpnoas stqp aseajaa tietjs aapua-j `luatun4suj Slpnoas sttp Act painoas sums jje jo luauiSed uodn •aseajaj '£Z 'fit pajli }ua AjjeSaj suossad .io uosaad atp. ssaoxa Sue (o) pug :luaurnatsuj Apanoas Sttj} Sq paanoas sums He oi (q) :saaj ,Sziauaone ajgeuoseau `oi pairuitj ;ou lug `Sutpnjoui `ales gip jo sasuadxa (e) 11 11 1 1 11 11 11 969011L1b9 Wd Sb:Z 00/6Z /LL x110 ;uewna ;sui wao3lun eelAi eluued (ssaappV XLaadoa l 2110121 13NY2HISNII HOY-9 2I01AI T S(oos) SW2IOc1 BOVODION dTAIA Slerirul E Jo I aSed 00 /V 09LE wao (b000) HL L (�iweJ 916u!S aepla eaueansui 96e6;aoin a }e ;sl4inW '(swntwasd aougsnsut a2e21.soiN wort pauirlgo spunj apniour Xgw gocgm) aiggllenU anal Auto sasnsut a201s0w aITl I.etia. spunj Jo aosnos Aug Sulsn sluawXud algw o1 sasnsut a2g51.sow agl a.iinba.i Xuw sluawaas2u asagl, 'swatuaaa2e asagl 01 (sailsud .io) Xlsud Satilo a111 pug sasnsur aS01.1011.1 0q1 0l Xso1oeJsiles asg lap suotlipuoo pug swsal uo ase sluawaaJ2g asatiI 'Sasso[ aonpas .io `31su slam. Xjipow so antis legl sailsed sag10 grim sluawaaJ2g olui salua XUw pug `awtl of awil wort aosoJ ut aougsnsut lions iig uo gists iglol slam ai.gniena ssasnsuc a2g2lsoiN 'aougsnsut a2g21.soiN am. of XlJud e Ion si samossog paa.& sg ugo' agl XUdai 1ou saop samossog J! snout Auto 11 sassoi utupao soj (aloN am sasggosnd legl Xlilua Aug so) sapuo'J sassngwtas aougsnsut a uSI.JoiAl (661£ nap saiisga Si legl sausoo 11.121.1 samoi am 1u anp wsot U Seri wawnslsut Xlisnoas 0141 It) g uoiloas so (salgi so 661£ Jo sausoo samoi 01.11 lu algp wsoJ e SUIT luawnslsut Xlisnoas am ji) or uotloas jo pua a1411g 2utmoiioJ 01412utppg Xq papuawg si luawnslsut XlunoaS aq L 811E8 ISM `VNJ 901 Od02i AiNl00 ti£t71 :1u Paluooi pug luawnslsut Xltsnoas 0111 ui paquosap Xlsadosd 0111 5uuanoo pug a1Up awUS 0111 jo „Japua' d' N dO I a2Wd dO )INVB o1(„alol\I„ am) aloe [ales paxj '6'a `alou Jo adX1 Xjpluapi] 09X1 H S,Jamossoq asnoas of „samossog paugissapun aril Ai uani2 algp awes 0141 to „luawnslsut Xlunoas„ am.) pact Xlisnoag so `lsns1 jo paga `aSU2lsoN 0141 luawaiddns pug puawe o1 pawaap aq iiggs pug ow! palesodsoou! s! pug 0002 d28WEAON to i p H16Z stgl apgw si JaprJ aougsnsut a2g2lsoN siIT,L 969011L1t9 NVOIT STATE OF WYOMING, The foregoing instrument was acknowledged before me this by Clyde R. Jordan My Commission Expires: Feb. 26, 2002 -6(WY) (9904).01 CVWY 11/29/00 2:45 PM 6417110696 Page 15 of 15 Notary Public Initials: 549 Teton County ss: 30th day of November, 2000 Form 3051 3/99 14 (0004) 011R 11 /29/00 2:45 PM 6417110696 As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (A) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (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. Page 2 of 3 Initials Form 3160 4/00 00/17 09LE WJOA JO a$�d samossog- samo.uog- (leas) (waS) samossog- samossog- (Iea samossog- (Tugs) samossog (I 969011LLb9 Wd 97 :Z 00 /63/11 ®ll� (7000) a luauin4sui iflunoas sluowalddns pue spuauze Imp saa.i2e pue Jop»j aoueansul a2e21.aoj sldaooe aanAoaaog `Molaq 2utu2Is fig For good and valuable consideration, the receipt and sufficiency of which is acknowledged, I, Dolores Urban- Jordan do hereby forever release and waive all rights under and by virtue of the Homestead Exemption Laws of the State of Wyoming in regard to SEE ATTACHED EXHIBIT "A" together with all improvements thereon. I realize that my husband Clyde R. Jordan has applied to Bank of America purchase of the said property presently owned by Todd A. Hubbard &Alyce B. Hubbard and acknowledge that the said Bank of America has relied upon this release and waiver in making the said loan. DATED This County of Teton STATE OF WYOMING RELEASE and WAIVER day of November ss. The foregoing instrument was acknowledged before me this day of November 2000 by Dolores Urban Jordan WITNESS my hand and official seal. My Commission expires: Feb. 26, 2002 for a loan in connection with the 2000; o\rota Dolores Urban Jordan Gel ,,,oAan,ni ay; fo Aiwrmi sa;ru!w,aI uoiidu) sap Yu■otla,of ay! lo Arn, Aue vi uo■e7uip0104,. sap•xo 661 aagoq 'Z661 aag0100 CT Pe; e:•' OXM 'x.LNfl" ray NI'I M6TTU N9CS. CZ noI.LJ3S !MNiy3 3HL HI LIM S.DYB.L 30 .LVId 'SHOO '8 SS31 ONV '3 MOY.C. PellT4 Aqunoo uloouT1 ;o xaaTO ayq ;o 00T ;3o at uT paTt; aq oq pasedead geld ayq ygTn aouepa000e uT T1e f „8905 SId 'OxH 'x3NId DI8 '0.L1 '738ti3NDS ti0x3AtinS„ Pe;TaasuT deo wnuTwnle ,.Z e yqT' poi buToao ;uTaa Taags „tZ x „6/5 a dq paxaew „quTod„ yoea =LL abed uo spaooeu oT4egs0qoyd 30 6CZ x008 uT a'T ;O PTes ayq uT paooaa ;0 90T -ZT 'oH Prot! 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