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U2014074 Return To: NATIONAL INC. 230 EAST 4487 JACKSON, Prepared By: MORTGAGE OF IDAHO, BROADWAY —P.O. BOX WYOMING 83001 SUSAN HARRIS HUM, ID 83340 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is datedNovember 2 2000 together with all Riders to this document. (B) "Borrower" is CHARLES P. MCCOLLUM AND DENISE M. MCCOLLUM, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is NATIONAL MORTGAGE OF IDAHO, INC. Lender is a organized and existing under the laws of THE STATE OF IDAHO 6268744 WYOMING Single Family- Fannie Mae /Freddie Mao UNIFORM INSTRUMENT Ci) -61WY) (0005) Page 1 of 15 Initials VMP MORTGAGE FORMS (800)521 -7291 869146© [Space Above This Line For Recording Data] RECEIVED 00 NOV -3 AJ110: 05 JEANNE VV GNER E(EMMERER, WYOMING tL -1t BOOK PAGE 1 0 Form 3061 1/01 20050 -01 Zo -0900Z LJ 40f 4 490£ WJO slelliu� ���`i YES paapung F�dS32I Joplin „TWOi a apotu paleia/ ,fiir,. opoj„ u su !pub lou sop umori arp 3t liana „two! avail= to paluiai Auwapa3„ e Ol p egoi ui pasoduut aJU ;mil suopoulsai pure sluauuannbaj He 01 s.rapa.' VdSg2i„ luaunulsui Alunoas sup ut pasn sv 'mew loafgns gurus aql suaano5 leap uorluin2a1 Jo uoileisi5a1 .Jossaoons Jo p uou ppu ,fur Jo 'awl 01 auup uro.ru papuauw oq lqgtur Tarp su `(0041£ 1JUd '21'3'3 iZ) x uopulrao i `uopuin2ai upuauraidun slt puu (•bas 10 1092 U01100S •3 S Zi) loy sampa0o.rd luauuaplas alulsg iva2i aril suuaur „visam, (0) •luauunusui Xltrnoas sup jo uojloas .spun slunoure ,iuu (tt) snid `aloN alp Japun Isaialu! pure iudtouud (t) Joj onp lunoure painpagos fireiru2aJ arp suuaur „luauu fsd aupou uad„ (N) •uso, aql `uo lineup Jo `30 1uaur/fuduou aql lsuiag Japuog &uppaload aouuznsui sum „aauu.unsuj AalaoW„ (hi) •kuadoJd am JO uOtlipuo0 10/pM3 attiun 01.11 4 01 Su SUOISSnuO 10 `JO SU01021U0SardaJSnu (nt) Jo 'uopuunuapuoo jo noti lit aoure,fanu00 (tit) 'i1Jado1d 0ql jo uud km Jo iie Jo guniel Jatpo Jo uotlstnuapuoo (it) '.1fpadozd ow `3o uopon.ulsap Jo 'ol auurep (t) :Joj (S uopoas lit paquosap sau.rano0 ail .spun pied sp0000id o uounsur uregl Jagio) Sized pup "fur ,iq mud spoo oid Jo `sa&urep jo premu `luoulopps `uopusuaduroo ,lure sueauu „spaaoo1d snoauugaasmi„ (Z) uotloas ut paquzsap are win suualt asogl sreatu „swan Moaosa„ (x) •SJaisue11 asnog2utmop palutuolnu pure `s1ajsueil aJim `auogdojoi iq paletltut sJ0Jsuuzl `SUOpoesreJ1 outgo= Jaiial paluuuolni? `sJO3sureJ1 airs- jo -lutod `01 palnuq 1ou st lnq `sapniout uuzal tons •1un000u lie upon Jo ligap o1 uopnlpsui letougut3 u azuotlne Jo `lonIlsut 'JapmO 01 su os Odin otlau2eur 10 `Joindtuoo `luaurrulsut omogdaial `ieunuJol owapooia ere n2nortl paletltut s! tDniM luauunIlsut Jaded .repuris Jo '1P?Jp `)ioag0 iq powu1 !Jo uopOesu0Jl u trugl Jag10 `spun; Jo JOJsu0J1 Sue suuaur „aaosu1u spun, atuoapaja„ (p) •UOpuzureg1O JeitunS Jo UOrle1OOSS1 s1auMOaurot `uopu!Oossu mnuuuuopuoo u iq kl.radord ow Jo Jomo.UOg uo pasoduut aie Imp sang° 101110 puu sluaurssassu `sooj 'soup Hu sum!! „sluamssassy puu 'saa3 'Song uoilspossv Sluunmuuo,)„ (1) •suoturdo pet3ipnf aiquieodde -uou iuurd oiquogdde iie su Honk su (WI JO la0Jj0 011) 0neq imp) SJOpro pure sOiru anj u.ustuturpe puu saouuutpao `suopuinaa1 'swims iuooi pre aluls `iezapOj aiquoridde &tiioiluo0 Hu sue= „MSZ aiquauiddy„ (u) jioads] (s)logTO JOpt2I '11u 1 e3 t I Japig moll puoOas X 5 L tola JOpr)I luaur,cud ifpiaaMig Japig IUOrudopnou nun pauuuid Japt2l urmunuopuo3 r (soon) (AM)9 10 1 !2I VA Japtml uooiieg Japt2I a1e2I aiqulsnfpv VtL89Z9 [aiquotiddu su xoq 'pogo] JaMOJJOg iq palnOaxa oq 01 01e slam 2 UIMOiio3 aqj •JaMOJJOg ig palnOaxa are 1ug1 luaturulsui IflunOas suit 0 1 slapu2l Hu sum! „slapug„ (0) Isaaalu! snid luau nipsui ,flt.moos sup .spun anp sums iIs puu `aloN at1 Joplin anp sagreto ale! pus so mqo luamuSudard ifu u Isamu! snid '010N oqi iq poouaptna igop aq1 Sueatu „uso'„ (3) „•SindoJd aql lit s1ui22i 3o Jojsu uJZ„ &tpeat aql Japun Moiaq paquosap st imp Xjiodoid alp strum „,fl uado rd„ STOZ 'T aagUuanom uugl Jam! 1ou iin3 lit Nap ow iced 01 pre sluaurtfud 0ipouuad 'Bingo/ ut lgap sigl /Cud o1 pasnuoid seg JOMOJJOg 1so1o1u! snid 00 009' LTT 'S •n) sJSiioQ 001 /00 pre xis puesnotu uee ;ueAes paapung auO Japuari SOMO 10M0110g lsgl SO1e1S MMON au OOOZ Z aactwanumpalup pure JaMOJJOg fq pau2is aloe Srossturoid arp sueacu „010K„ (a) •luaunulsui ii11Jnoas sup Japun aa2eguour ag1 st Japua' T00E8 ONIWOXM 'MOO ovr L81i x041 'O'd- XYM01101141 SSV'3 0EZ st ssazpps s,Jopua-i 172 (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 TWENTY —ONE (21) IN PRATER CANYON ESTATES UNIT 4, AS PLATTED AND RECORDED IN THE OFFICIAL RECORDS OF LINCOLN COUNTY, WYOMING. Parcel ID Number: which currently has the address of 51 CHEYENNE CIRCLE [Street] THAYNE [City] Wyoming 83127 [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment u er the Note or this 6268744 Moo (0005) Page 3 of 15 Initials: Form 3061 1101 I 20060 -03 v0 6014 1.90E uuod 911 q 968d (soon) (AM)9•W btL89Z9 s1unowt ai4 `aiquiCud wogm pun ualM qlloo1op Awl Innis saM011og `s0nluM ;o 4uana ago ul lunuM ut aq ,into iiutu sanlum gons Airy •atutl ifuu lu swall MO1osJ 44u 10 Auu so; spun; 1apuaj o1 1Ced 01 uoudtigo s,JOMO11Og anti m ifetu .tapua' •swag! 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Auu or patlddu aq ifuut ssooxo !Ions `s4uatuAed 0!p°uad atout 10 0010 ;O 1010111SUd Iln; a or ponddu s! luatudud otp Joge s4sIxa ssooxo Cure rum lua4xa 0141 oy •I4n; ut mud aq uuo ruatu,Cud g0ua `lull 40101X0 0144 04 puu ;l sluautif10d 0lpouad all do wow/Cedar 0141 04 10M0110g tu01; poitroo 14uautAud iiu u ,ciddu Sew lapua7 lulpuers1nO s! wow/Cud 0ipottad 0010 110141 wow ;I a 21 elo 01011 0141 puu 1uotuSud 4uanbuiiop 0144 01 patlddu oq 1fuut 4uaut1ud 0141 `anp amp NNur 1uu Awl or 4un0ute lu0pg;ns u sapnpu! tpigM 1Uaut1ed 0tpou0d luanbutlap u s0; 10M0.1_10g utotd Iuaut1ud 10 santaoa.t .tapuoq ;I •010N 0141 do a0uu4uq tedlouud 0141 a0np01 o4 1044 puu `luatunlrsul Xrunoas sup lapun onp slunoure 1ag10 ,Cuu of pu00as `sa ng° 01104 or 41.114 patlddu aq !lugs s4unoutu gututulual 1iuy *onp aureoaq 41 goigM ut 1ap10 ail u! luaut1rd 0ip0uad rpm 01 pallddu aq Hugs sruauu1ud lions uonoos Joplin onp sIunoutu (o) `040N 0144 lapun onp ludtouud (q) `0404 0141 Japan onp Isamu! (u) :1ittot.td ;0 lap10 &uiMO11od 0141 ut paidde oq Hugs sapuaj 1q poridde puu palda00u s4uaut1iud llu `Z uotloas sill ut paquosap as!AU0144o se rdaoxg •spaaaoad ao s4uautded Jo uo!3LOtiddy •Z •1uamnslsul Alunoos stir 1q palnoos s4u011I00Au puu s1U0u oltoo 0141 5unuso;.10d 10 Iuatutursul dlunOas st114 puu 0101 0141 .tapun onp s4uaut,Cud 5un4uuz 11101; IOMO.trog onollo4 11u1is Japing 4surea10 0110410; 0141 ut 10 Mou 0A1014 4140'411 10M0110g 110114M tulul0 10 10SJJ0 ON •alnsopalo; 01 loud ,ilalutpauuutl aloN all sapun 00uu410g 1ndiOuud &u!pubrslno all 01 pallddu oq rum spun; 'Tons `101i°rea patlddu 1ou ;I •10M0110 of uu01410110140110 spun; lions Siddu 1agmta !lugs iopuo' `mun ;o pouad algetros u uitlltM os op 4ou sanp 10MO11o8 ;I •luassn0 uuo? 0111 &Iuq or ruatuSed saxeuI 1amossog jj11111 spun; pailddeun goes pool 1uut sapuag *spun; palldduun uo 1S0101u! ,Cud roil par Jopual trap `04np onp palnpogos sr! ;o 110 ponddu s! luatu1nd 0ipot1ad 10100 ;I •palda0010 0110 s1Uaut10d tiOns mug 0141 410 s4uaut1ind ions k1ddn or p01a14g0 sou st loping rug `0111410; 0111 ill s4uaut1nd Ielllyd 10 luaut1ud gons 0110;04 04 sup/ sir or aolpnfald 10 1apuna1014 s1gpi1 ,1110 ;o sant0M lnotnJM `luann0 uuo? 0141 2ut1q or 1ua1O4;nsu! l00Ut110d !ewer! 10 1uaut1ud ,cue ldaoou 1uuu 1apua7 •401011110 uuog 0144 2utsq or 1u0IDg;nsut 011 SMUT/CM lri4110d 10 401aut,C10d 0 144 ;1 4uauu110d lensed 10 3U0Ut10d Niue 01110101 110ut 1apuog •S4 uo10as u! sUotsIno1d 001401 0141 g11M aottup1O00u ut sapuoq ,iq parualsap aq Amu su uo14100041a pus 1R 10 0401,1 0144 ill pal10u !sap uot410004 0110 110 panta0al ua1M lapua -1 1q pa/11000J pautaap 0110 sluaut110d °1a;suuIZ spund 0tuollo0Ig (p) 10 !Alpo 10 `di14101uauutuisu! `10u0a10 41010p; It Act pasnsut 0101 siisodop a1014M uoun4nsut 1101 uodn uM101p st row tens 1(0101 papinosd 'row s,satgsu0 so x00140 s ,lasnsu011 'vow Tung 'ray pat 1pa0 (o) 'sap10 Sorrow (q) 'gsuo (u) :sapuo'j Aq p010alas 110 `sucso; gu4MOlIo; ago ;o as0u1 10 010 ut ap10ut aq luautn11su1 *moos s[i1 puu 0101 0141 lapin onp s4uau111d luanbasgns 141: 10 Aue relit alinbas Amu sapuo l `puodun 1apu07 or paultial st 401auttu1sul *moos NO 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 Horne Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender' s opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 6268744 ©6(WY) (0005) Page 5 of 15 Initial 174 Form 3061 1/01 (l 20050 -05 90 09001 60!6 690E LUJOA C T a1., 91 Jo 9 eBed (s000) (AM)9 fii6L89Z9 imm 'am uaip lou .io .tatilagM luauinalsul S1iinaas snit dq pampas sums at[1 of paijddi aq inns spaa0oid aOUElnsui aq1 `pauassaj aq mom S1ilnOas s,lapua-t 10 algisioj Sjp oiutouooa you si Jnda.i 10 uounioisai alit �l •1aMo11og Jo uouegijgo otos alp aq jjngs pun spaaDold aaue.tnsut alit Jo 1no pied aq iou lietjs 1aM0110g dg pupal 'sawed piny laglo 10 `sialsnfpu oilgnd .toj saa j •spaaoold lions uo aulu.= .to Isoiolu! Suu 1aMO11og Sud o1 palinbai aq iou Ijegs iapuo `spaaoold aOuulnsui pus uo pied aq o1 Isaiaiut salinbal Meq ajgRoiiddy 10 2uiiUUM ui apeui s! luauuaal2e ue ssajun •palajdutoo si ?I10M a su sivauided ssai oid j0 saws a ui 10 luaui(Ed aj &ups a ui uoilulopsal puu si udai aql 1oj sp0000id asingsip Amu .tapuo' •Sjldmold uasjellopun aq jjuls uoiloadsut lions mug1 papinold `uououjsmis s,1opua' 0u papajdtuoo uaaq Sig )IIOM alt alnsua 01 Suadold gons loadsui of Suunuoddo ue peg sett Jopua-j Ij1un sp0000id °ouelnsui lions ptott 01 all anti jjEtjs .tapua-I `p0uad uoilulo1sai puu Juidal Lions 2ui1nQ •pauassal lou s! Siun0as s,lapua' put; ajgisuaj djleDiutouo0a s! Nadal 10 UOIlE1O1S01 alp J! `SUadold mu Jo 1iedal 10 uoi1i1o1sal o1 pa idde aq Hugs `lapua' Sq patinbai sum aouElnsu! O'uu papun oq iou 10 =palm 'spa000ld aouelnsui Sin? `dui uM ut as 2e asiMlatjlo .taMO.izog pure lapuoq ssajun •1amo11og Sg Sjldtuold op= 1ou 3i ssoj jo Jooid awn Au" .zapua7 •lapua' pure .tajireo aouulnsui ails o1 aoilou lduzo.id imp 1OMO110g 'SSG( JO luana alt uI •aaSud ssoj feuotitppe ue sE 1O/pue aagatiow su lapua-t aluEU Hugs pun amnia a5u2poui preprels E apnjoui !jests Soilod gons `Sp.tadold agi `3o uotponnsap 10 `01 aeluup 10j `.tapua7 Sq pa.imbat asinvai l0 iou `a2Elan0O aoueinsut Jo tu1o3 due sunlgo .10M0.110g 31 •saoilou nmaua1 puu suinnuald pied Jo sldia0ai Ije lapuo'j o) anti dpdutoid jlets 10M0110g `salinboi IOpuaq Ij •sale01j11100 imam' puu sapij0d aql pjoq 011 aqi anal Hugs lapuaq •aadud ssoj nuoilippi ue se 1o/put oo a 1ioui s11 1OpU0' mum flags puu `asnetO a2E2uoui prepu11ps u apnpui imp `sapilod gons anolddusip 01 1tj5t1 s,lapua -t Oi loafgns aq hugs saioijod gans 3o sJEMauai puE lopuOj Sq paiinbai sapnod a3W 1nsui Ily luau/ Cud quilsanba.i 1aMOfog of lapuarj wag aoilou uodn `isalalui lions gum `ajqudud aq Hugs puu uuauiasingstp Jo alup agl uUOIJ aiei 010j\j a 111 lsalalu! nag !lugs siunoure oSogj •luauunaisul Sitlnoas situ Sq pampas 1aM0.uOg 3o !gap iuuou ppu autooaq Ijels S uoiioas Snjl lapun lapua' Sq pasingsip slunouuu Suy •pauiulgo anal moo 1amo11og lull OOUIUnsuj Jo lso0 aqi paaoxa djlue0ijjais i paunigo os a e1ano0 aOuninsuj alp Jo 1sOa all iugl sapajmou)joe 1aM0110g •p0ajja ui Slsnoinald SUM uugl a3E10A00 1OSSaj 10 101e01g apino.id 1iOnu puu dlijiquij 10 psi 'NS!' due 1SU1UWE `S11ad01d a Jo sIUaIUOO a 10 `duadoid a ut nnba s,IaMO.itog `1am011og loalOJd u niOlui .to liOnu lnq `iopua7 1OAOO !legs o2elan00 gons `aJojala •0 t!10Ao° Jo lunoutu 10 add! reln0i11ed Sue ase101nd o1 uoi3atjg0 011 lapun s! lapuaZ •asuadxa s ,lamollog puu uoipdo s,JapuaJ 1e `02e1ano0 aOuelnsui uiuigo Sew lapua' `anoqu pagiuosap saqulano0 all Jo Sue menu= 01 sinJ JOMO.uog 31 •1amonog Sq uopoargo uE Uto1j 2uiljnsal uoiiuuiuualap auoz pooh Sue Jo mama.' mu !Him uo!pouuOO ui SOuo y luauta3EU11N SOUa2lautg nJapa,d all Sq pasoduti saaj Sue Jo luauiSed all 1oj ajgisuodsaz aq osi11 Ijnns 10MO110g •110i1E00u00 10 u0i111unu1aiap lions 1aagge 111 1U1 ,Cjquuosuai 1OigM 111030 S0 U11p 1Eliutis 10 S U!dd1U 101 auuii loua sa3.relo ivanbasgns pug saOjnzas uoilu0 jiliao put uoneuiuualap auoz poojj 1oj amp auuil -auo u (q) 10 'sao!mas gupj0E1p pure uoInouii1a0 topuultuJapp auoz pooj3 10j amp aunt -auo a (E) :1a `uuorl sup nnm uoil0almoo ui `Sad 01 1aM0110g alinbal Suui lapU0' •Slquuosualun paspiaxa aq lou !legs 1q j1 gonim `00iog0 s,10M011og anolddESip 01 111211 s,1apua7 01 lOafgns 1aMOltog dq uasOgo aq rims aounmsUt alu 2uipinold 1ai1.re0 03ue111sui 01 J •ueo' aq1 Jo ui1a1 agi Wuilnp amp um saoualuas utpaoaid ag1 01 luunslnd saninbal iapuaq le1M •sannbai lapua' pull spouad all 103 puu (sjanaj ajgilonpap 2uipnpui) slunoure au u! pauieluiuut aq duns aDuelnsu! SiLiZ •aOuglnsui salinbai lapuarl gOniM 1o3 `spoojj puu sawnbq .n o `01 palnui! mu ling Tuipnjoui sprezeg 1agmo Sue pin „`aEmano° papualxa„ ut1a1 mu uigliM popular! sprezeg `a1ij Sq ssoj 1SUP1 a palnsui Slladold all uo P010010 101J1101ag 10 2utustxa Mou spuautan0ldut! aqi daaN (lets 1aMO11og aatiminsul Slaad0ad 'S •ueorl snip lmt uoipauuoo ui lapua-t Sq pasn ao!mos quiuodai 1o/puu uoneo jilan x11 aluisa teal E 103 awil -auo E Sed ou 10M0110g almbal Seut lapua-j j, uoiioas snip ut anoqu 1110] 1as suoiiou a Jo 010111 10 0110 05 111110 uatj agi Sjspes jlegs 1amo110g 'IMO' Si aoilou lull 1O!LM uo am) a Jo sSup pI uillitkl .uaij the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any.. available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower' s rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower' s rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower' s principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower' s control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower' s knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower' s occupancy of the Property as Borrower' s principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender' s interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable 6268744 Maw®6(WY) (0005) Page 7 of 15 Initia Form 3051 1101 f) 20050 -07 80 0900Z 1.011 190E twod lra silo 9efied •punjaa Sue o; aantoaaog al ;I;ua ;ou flint Saq; pun aougansul a2e2iJoig Jo am 1I!m aantoaJog ;unow11 aq; aseaaaul ;ou IIIM s ;uawaaa1 violas •uuo7 aq; JO suual Javimo Sur ao aougansul atet;aoy%I ao3 fed o; palate egg aantoaaog ;evi; s;unown aq; ;ale ;ou Dint s;uawaade gans Auy (e) :aaguna •aoiminsuiai anildeo„ pawn) uauo Si luatuagtrei.n aqi aamsui alp of mud sumnuaid aq1 3o antis e zoo auegoxa ui xsii s,.iamsui agl 3o a/egs u swirl /apua-I Jo aiuil1J:Iu ue 117131 sapinoid 1Uatuaaae lions jj 'sassol $uIanpai 10 �lsu s,1ainsui aeffpoui agl fiuiiCJipoui i0 2uiiegs .IO3 asuegoxa ui `aouemsul o iioj, .ioj sluatukd s,iaMOiaog jo uoi iod u (su pazualoeaego aq 4iSitti Jo) uiolj anuap 417131 s4unoure (Spout!! .io ,Cpoonp) 0n130a1 ,Ceti &1405010j ag13o ,CUE jo aluili p Cue .IO `,C1pua .iatpo ,iur `Jainsuia.i Atm `ioinsui aamoue `aioN aql jo iasego.ind iii `iapua7 `slualuaaigu asatp jo ljnsax e sy '(slunnua.id ooui insul aapoynj uio.ij paute4go spunj 0pnloui ,Guru goniM) aigeiiune mug Ceui .Iainsui affapow 0131 117131 spunj jo winos Are &isn sluatukd alum o4 .iainsui o i uoui aqi onnba.i ,iglu sluauiaw2u magi 's4uouiaaage asap 01 (soured ao) /flied xaglo alp pug aaansui agailom aq1 04 £ZOlo1Jspes axe legl suopipuOo pue sivaal uo are s3uatuaw5e asata 'sassol aonpai 10 `)Isu 111J!pour xo antis lap sailed aagwo g3TM sluatuaaa2e ow! xalua ,Cent pug 'amp O1 at113 uIOxl aai0J 1i aoueansuT lions lie uo Slsi/ lelol nap alenjena szainsui a2eSTIoN 'aouemsul a allow am 01 ,C1aed 17 1017 st .IaMoi1og 'paai2e Se ma" am /fedax 1017 saop /aMOaaog 31 mom iietu 1! sassol memo x0j (aloN 011 sasegoind 1gg1 klpua ,Cue .io) iapua7 saslnquziai aOueansui asapo w 'aloN ago in paranoid ale/ ag11e isaialui /Cud 01 uopailgo s,iaMOIIOg mow OI uoiloas situ ti! 2uigloN 'M1-I alquoilddy Cq paainbaa si uoileuiuual Ipun io 1101117unuaal lions .ioj 2uipinoid .iapuaj pug 10M011013 U00Mlaq 4lawaaafe ualliiM Niue ql!M aoUep1Oa a ui spua aaueinSUJ ac`1e213o14I 10j luatuaantbai s,iapuarl !pun `anxasai Ssol algepunjai -uou 17 apinoid o1 10 'paw ui aougansul mew 0 4 paiinbai sumnuaid am /C Hugs iaMOI /Og aouuansul ag1 i1ol, Joj sluniuiaid aql pIIMO1 swain/Cud paleaisap Lila1ezedas 0)lem o1 paiinbai sum lamming pare U1707 0131 5aplelu JO uotlipuoo u su aaulinsul a2u5poinl pa /inbai iapua-I3l aougansul age2pojni ioj suunnuaid atp preMO1 s3ualuAed pawuu0isap iilawiedas saiinbai iapuaq pue `pauielgo si `alqugene satuooaq un& iapua' iq paloalas JaansUT uu iq paranoid (samba' iapua-I 417 pouad alp .OJ ram 4unoum alp ui) ageaanoo aougansul a2apoj,A ji swam/Cud aniasai ssol aiinbai Jagu0l 011 ireo xapua7 'anaasaa ssol Bons uo s&ivaea xo Isamu! SIM iaMOiiog Sed o1 paainbaa aq uou hugs iapua' pue `lln3 ui pied iila1eu st ueo'l 01111eg1 lorj am 5lipuelstpiM4ou `algepunjol -uou aq Bugs aniasai ssol lions •aoueansui 0fg2poJAl ,lo nail It! OAJOS0x ssol algepunJai -uou e se s4U01U ed asap u1laa pue asn `4daoo17 'pm xapuag 'loappa ui aq 01 paseao ae10A00 3011 IUSU! 0141 uagM anp axaM win sluauliCed paleOisap ,ilaleaedas 013130 lunouil; am iapua'l 0l ,fed 01 anuiluoo Veils aaMOiaog algeliene 1017 Si afeaanoo aotreansul &apoiwl lualeninba /Cpupuelsgns 3i 'aapua -i (q props aaansui °Wp0ui 03171iage ug 1UOIJ 100 ui dlsnoinaxd aougansul 0M1J0TA1 0q4 Jo aaMOaaog o1 4S00 0131 01 lualeninba ,Clleuue1sgns isoo a 117 'papa ui Alsnoinaad aoueansui a2u2tiow ago 01 lualeninba ,illeilueisgns a5wanoo memo 04 paitnbaw swnnuaid aq1 1fgd liens xaMOaiog `aouemsul 0 1?suoini aoj suiniuioid 0q4 pa1MOI s4uaul,Cud pal ,Cla417aedas 0)11.174 of paainbaa sum aaMOaiog pue aoueansui gans paranoid Sisnoinaad 117131 aaansui 05151x014 0131 uioal algeliene aq o1 sasuao iapuo ,iq paainbaa aeaan00 aougansul aMuoini alp tom.' Xug a0j `3I '100,130 ui 00113 /nsul 0 1? 410JAI 0131 mum= o1 paintbai suiniuiaad 0111 kd pegs xaMOxaog `171701 ag1 2uplulu 3o uotiipuoo a se aoueansui &ala0JA paintbox aapua7 ji •aougansul 0 11J1oyt. •OI '2urlt1M ui a02a0111 aril 01 sax /fie /apua-i ssalun &iam 1011 hugs app 00j ag1 pue ramps am `Iil.Odoid a141 01 app aaj saxinboe JOM01J0 3i /seal ago Jo Suoisinoid alp pc g1!M iildui0o hugs iamoixog `plogaseal u uo st luaumxlsul iil sup 3I '4uaui1iud 2uilsanbai /aMOxiog of aapua1 wag aop0u uodn `Isaialu! lions 141!M `a1Qe,ied aq 11etls ram luatuasangsip Jo amp ag1 wag alga 01oN aq1 417 4saaalut nag hugs slunoum magi 'luaunulsui k1un0as sup ,Cq paanoas aaMOiiog 30 4gap leuoilippe auiooaq hugs 6 UO1IO0s sup .Opun aapua-I tq pasangstp sumo= ,iuy '610!100S still aapun pazia0g4ne suopoe UV /o Xug 4011 aoJ C4iligeil ou mow Japua-I letp paaaau si 11 '0s op 01 uope2ligo JO /Clnp ,Cue aapun 1017 Si pue os op 01 anug 1011 S001) aapua-I 4 6 uoiloas slap aapun wpm 0)1131 kin aapua1 g2notply •jjo s0 110 pauanl saililpn anti pug `suopipuoo snoiauep 10 suopeloin apoo 101410 JO uipiinq mamma `sadid uio.J /alum uieip `sMOputm pue sloop do pau0q so 00171d01 `MOT 0gU17go `Saiedaa a)lelu 01 AIOdOld 'uiaalua `01 pagnuii uou si 4nq `saptgoui /Cuadoid alp 2utanoas '2uipaaooad ,ioldnxNueq e ut uoilisod paanoas s4i &utpnlou! luauinI4sul *moos sup aapun s1112!/ ao/pu17 11iado /d all 111 Isamu! s4i loaloid o1 SaaJ ,siCau/o41e 1, 7 (soon) (Am)9•wo fii5L99Z9 (b) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender' s security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender' s satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender' s security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender' s judgment, could result in forfeiture of the Property or other material impairment of Lender' s interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender' s judgment, precludes forfeiture of the Property or other material impairment of Lender' s interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender' s interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 6268744 ®6(WY) (aoo5) Page 9 of 15 Initials Form 3061 1/01 Ij 178 20050 -09 01. 6016 490£ Wioj SL 1 0 efied (soon) (Am)9 ttL.89Z9 •luatufJIsUI iClunoas slip zapun luauiazmbaz 5ulpuodsauoo otp Sjspes !Hitt 1uaulaunbaz m11.1 ajquoijddy alp `marl alquotjddy zapun pazmbaz oslu Si 3UatulU1SUJ li}tlnoas snit fq paunbaz aojlou Attu Jj •zapuarj Cq panTaoaz ,fllunlou 11un lapua7 0l uanT2 uaaq anug of puma!) aq Jou imp luauTnzlsui Slunoas snit 131Tm uopoauuoo 111 a0pou Cuy •Jamolzog o1 aor3ou iCq ssazppu 1oq ou11 paluugisap sun zapua-j ssajun wont! pawls ssazppu s,zapuarj of Hew sop lug Xq 1! gugreul Aq JO 3i guuangap Jig !ant$ aq Hugs zapuaZ op aotlou Suy 'amp auo ,iuu lE ivaulnzpsuj *moos sigl zapun ssazppu aojlou pa3eu5!sap auo ,Cjuo aq Cum wail, •a1npaoozd paiJloads imp g2nozg3 ssazppu jo a2uuno e 31oda1 ,Ciao Hells 10MO110g !0 `ssazppu Jo 0Wuutio s,zamozzog &Tindal zoj alnpaoold u saijtoads zapuaZ j •ssazppu,jo amp s,zamollog jo zapuaZ Xjrlou fpdtuold Hugs zamozzog •zapuaZ o1 aojlou iq ssazppu aotlou alnlpsgns u pair u rsap sec! 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Sou inq TUlpnj0UT `3uanunJIsul i(111n0as snit zapun slg9lz pue kpodold 0131 uT lsaza3u! s,lapu0rj 5up0a3o1d jo asodznd all 101 'wimp S 10MOzlog tjlim uo130auuo0 ui panuoj1ad sa0Tnzas 10J saw Jamozl0g Amp .C111U z0pua7 •s0n11gJ u110Z •tI •zapua' JO St1 TSSu pue szossaoons 0131 lijauaq puu (0Z u0900S uT papptold se 3daoxa) puiq Hells luatutu3suj JC1Un0as snjl jo s3uautaa12u put swuuoitoo 013,1, luptlm 111 as11ajaz gons 03 saaz& lapua7 ssajun 3uaumzlsuj IC1TZn0as sltjp zapun ,fnjlg11 j par, suo!lailgo s,1amozzog 111014 pasualal aq lou 1te13s 10MOZZOg •luanwtulsul r(lunmas sitjl zapun s3ijauaq pue sl135u s,lamo1log Jo H we He13s `zapuai ,fq panolddu Si 11111 &upum uT 1Uanunllsui ii311n0as s1131 zapun Suopaggo s,1am0lzog saul1SS1 013m zamo11og J0 3saza1ul uT zossa00ns ,Cure `81 uop0as 3o suoislnold 0131 01 10afgns •luasuo0 s,10a1s -00 a131 lnoglim a1oN alp 10 1u0u1n11Sl1 i(111110OS Si131 JO S1111a3 0131 01 p 1? 01 tj1!m suopepotuu1oo011 Are 0)1 i1U 10 Jeagzoj !pout 'puma 01 00151 ur0 zam01z0g za1330 ,CtJU pure 1apua7 111131 soallu (o) puu '1uau1n13suj *moos sill iq p01n0as sums 0131 ,i11d 01 pa111'llgo S11UUOSZad Sou ST (q) `.luauIttnsul Sr !moos s1133 Jo suuzal at11 zapun Alladozd 0131 uT Isamu! s,z0uais -o0 0131 ifanuoo puu 3u1zg `afug3zouI of /quo 1Uatutu3suj ,(3un0as slip Zuni is -oo sT (p) „1au5Ts -o0„ 11) aloM ail a3n0axa lou soop 1nq luauun11su1 *moos slip su9is -o0 o13m 1am011og Sue `10A0MOH •lplanas pup 3utof aq Huns ,8!3!g1131 puu SU0u1? Hgo S,1amo11og 111131 S0015u puu slump /too 1aMOZZOg •punog sualssy pug saossa0ans :saaugls -off :L3jl1g paws 11111 3u10f •£I •Xpaulaz zo 31331 ,Cure Jo asialaxa 0111 apnjoald JO JO 10ATUm 11 aq 1011 Hens `anp ua1311unoure 0131 amp ssal s3unOure 111 1O 1am0lzog Jo isalaluj u! szossa00ns 10 saLU1Ua `suoszad pz1tl3 IUOZ' s3uawiC11d jo aouu3da0oe s,lapua7 `uop11pmnl motp!m lutpn1oui Spatuaz 10 10l1 ,fug Wulsl0zaxa u! lapua7 iq 00uu1eag10j ifuy '10MOIJOR JO TS0133111 u! SIOSS000TS Title 1O 1amo11og juui4zo alp i(q open! puma!) Au 3o uoseaz (q 3uau1n11su1 *moos sitjl Aq pampas sutras 0111 Jo uopuzilzotue 1J!poll as1m1a1330 10 1u0UU1C1d 10j amp puma 01 asnjal 01 10 zamozzog Jo lsaza3ul u! lossa00ns Xtre 3sui11l11 sOutpaaoold 00uaunuo0 op pazmbaz aq lou Hugs 10pua7 JaAtaucq jo 1S010311j ui s1ossa00ns /cue 10 1am0zzog jo A3ljlgeil 0131 0S1103a1 01 03111ado lou Hells 10MO11og j01S0103U3 Ut 1OSS000ns ;WI? 10 1amOlzog 01 zapuaZ Cq pa1u11z2 lualltuTsuj d3un0as ST133 fq pa1n0as sums 0141 jo uopezpioure jo uopeampout zo TuaurKud 103 011111 0131 JO uo1sua3xg •Jan111M 11 1oN aapua'I Mfg aatimmagaog :pampa loll aanto tang •zi 10 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower' s right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender' s interest in the Property and rights under this Security Instrument, and Borrower' s obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer' s check or cashier' s check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information 1.ESPA 6268744 M-6(WY) m000s) Page 11 of 15 Infua Form 3061 1101 l�l 20060 -11 IP lI. t 1011. 640E wiOA L la Z l eBe ni (s000) (AM)9• 66L89Z9 •dnuuolD iuluatuuolinuJ uu .toj iapuaj uo uotl1 TJgo Sur aluazo i1gs mom 2ui14ioN •MUg'uluautu0linug !pint OOuepz000e ut suopO1 mama' ussaoau He asiui ,Cpdutozd Hugs /aiming `AZessaaau st ,C11ado1d 0141 5upooi u aouulsgns snopzezuH ,(tre jo uotlu1pautat zalpo 10 ienoutal Sue 211141 'Sued alunitd km 10 `,iluotpne ,Czoleiaat .io'muautazana ,(1111 ,Cq pagpOu st 10 suzuai 1aMO11og 3I •,(lzadold aril Jo omen 0141 sloa33e ,iiaslanpu got14M aouulsgns snopluzuH u jo aseolat .to asn `aDuasaid aril Xq pasneo uompuoo ,Cuu (o) puu `aouulsgns snop.1ezuH SUE Jo asua'a1 Jo warm zo asuaia1 `alugostp Tup'eai Iuti'tds Sue `01 papal!' l0u lnq Wuipniou! `uoilipuoJ Iuivautuolinug Sue (q) `a paimou)' iunlou set' 13m0110g 1101gm JO Mug reluauni011AU .10 aouulsgns snopluzuH ,iuu puu ,(1.ado1d aril 2uin'onut Sued alunud .to ,fouau 1(10iu aw 1o'm outuzana Sue ,(q uoilou .tat'lo zo lmsnnui `puetuap `unup `uopapsonut ,iuu (u) Jo 0014011 ual4UM 1apuag ma' ,Cpduiold Hulls .ta /O.110g •(slonpozd zauinsuoo ui saotreisgns snopxezuq `oz palnuti lou lnq Tutpnioui) ,Cl1odold aril Jo a0uuualuretu of puu sasn iutluapisaz 'uuuou of aluudolddu oq of paziaooa.i ,fliuuaua axe Imp saottelsgns snop.rezuH Jo saiiiltrenb Hews Jo ,(uad01d aril uo aN101s zo `asn `aouasaid 9141 of ,fiddu lou "pis sa)uaivas 0Mi 2uipaoazd ata •,ii.tadozd am Jo amen at'1 spa/Jr Sioslanpe 1141 uoiiipuoo u so/um `aouulsgns snoptuzuH u 3o asua'az 10 `asn `aouasoid aril of anp `t'oigm (o) JO `uotlipuo3 IuivatuuolinuH tre salu010 14on'M (q) `mug Iuluautuoltnug ,(1111 Jo uopui0in u! si imp (u) ,Siladold 01412upoajju $ut14l,fuu `op 01 asp auo,fue MOO 1ou `op mu hugs 1aM011og •,(1ladozd alp ut JO 110 `saouuisgns snop1uz1H Sur asua'a1 01 ua1ua1141 JO `SO3tre1sgns snopzuzuH Sue 3o asea'a1 10 `3513101S `Iusodsip `asn `aouasald 0141 iiuizad 10 asneo 1011 Hugs zaM011og •dnuuaig 'uluauutozinug 1111 1055111 as1M1a1410 10 `01 aingizluoo `asnuo 11110 111!11 uoiiipuoo u snow „uoptpuoD reluatuuoltAug„ tre (p) pue !Mug reluautuolinug ui pauijop se `uop0t'unouta1 zo `uoti0e'eipautat 'wpm osuodsoi ,Cue sapn'0u1 „dnue p I1luatuuolinUH„ (o) `uop3alold iuluauutozlnua JO ,i1ajus `t'iivat' of aiuia1 lug/ palu00' si ,Qiodo1d aril 01014M uotloipsunC 0t'1 Jo sMUi puu sMUi relapoj SUM! „mug iuiuoutuortnug„ (q) `s'uuaiutu anilouotpul puu `ap,Cgap'euuoj 10 so/sago 2uiutuluoo sreilaiuut `sivan'os a'fuion `sapioiq oij puu saptopsad oixol `slonpozd uma'oliad 0!x04 10 aiquutumu 101440 `auasola)i `aui[osa :saouwsgns 'tnMO1IoJ aril puu mug IuluatuuoltnuH ,Cq so/sum 10 `sluuin11od `saouuisgns snopzuzuti zo 01x04 su pauiiap soouuisgns asOtp 011 „sa0ueisgns snopzuzuH„ (u) :iZ uopoos snit ui pasn sy •saauelsgns moping!' •IZ 'OZ 110 sigl Jo suotsinOld uopoe anpaa1100 031e4 of dnunuoddo pue 00pou alp "(opus 01 pump aq iiu14s g' uopoos 04 itrensznd zaMO.uog of uani2 uop111040aoe 3o OOpou aril pue ZZ uoiOas cu. iuunslnd 10M0110g Ol ua4 aln0 0l ,(lninuoddo puu uopulaia3oe jo aopou aq •14du12eled sail jo sasodlnd 1oi aiquuosua1 aq of pomoop ag 11!M pouad amp lute `110)111 aq uu0 uop0e ureuao =jog asap lsntu tiOniM pouad aunt u saptnold Mug aiquoiiddy 3I mope anp0a11oo avi 04 aopou !ions jo 5utni2 aril zaue pouad aigeuosuaz u 0101914 ,flied 191410 alp paplojje puu 140ua1q paR9iie !Ions Jo (si uopoos 3o slu9tualmbaz aril 141tm a0uutiduto0 ui uani2 aopou lions 141tM) ,Cued 191410 0141 p9!jiiou st:14 zapuag .10 1aMOZZOg pons 'pun luotunllsui ,(ii1n0as sup `Jo UOSU01 ,fq pamo 3np ,(uu 10 `Jo uotsinozd ,Cue potpuazq nil Cued 1a1410 Nu m!! saaiie lute 10 111011tn11sui ,ilt11103s S1141 of luunsznd suotl0u s,,CUud 191410 alp tuo13 sasue lute (ssup u Jo zaqutaut all JO map!' Iunpinipui 1111 1914119 se) 11014011 ret0lpnf ,ftre 01 pauiof xi zo `uiof `OOuaunzto0 Sew lapuag 1011 10MO11og 19 !41'°N •1asugolnd aioN aril Cq papinold asimzatpo ssOIUn 1asugolnd aloN atii iq poumsse 1011 0111 puu IOO[nzas 111107 lossa00ns u of paJIOJsuuzl oq zo JOOtmos uuog 01 11 141!M mutual Iiim 19M0110g of suopu3ggo ut0tnzas 111104 aauotu 9141 `aloN 0141 Jo zasugoznd 0143 trnlp 191410 loopuas uuog u dq paoinlas Si uuog 0141 Jo puu Nos s! a1oN 011131 •2ulopuos J0 1ajsuuzl 3o aotlou u 14nm uoIJOauuo0 ui salinbal a 182 NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. 6268744 ®6(WY) (0005) Page 13 of 15 Form 3061 1101 1 20050 -13 t+4 40/4 490£ mod JaMOJJOg- JaMOJJOg- (InoS) (w s J OMOJJOg- (IuaS) J aMOJJOg- (lugs) 9 Jo p l. abed JOMOJJOg- (T S) JaMOJJOg- (IeaS) (000) (AM)9• b6L89Z9 :sassoui'M '1? glum papJOOa1 pun .iaAtOJ.iog Aq painoaxa iopnj Aun u! pure unuufJisui AlpnoaS sup ui paut uoo siunuanoo pun suuiai gull of saaign pun sidaoon JamoJJOg `MO'IHH DNINOIS AH Teton County ss: The foregoing instrument was acknowledged before me this 2nd day of November, 2000 by CHARLES P. MCCOLLUM and DENISE M. MCCOLLUM STATE OF WYOMING, My Commission Expires: Feb. 26, 2002 6268744 -6(WY) (0005) Page 15 of 15 Notary Public i 84. Form 3061 1/01 20050 -15 6o v6zoz 66ZL SMOd 39V0121O1A1 dWA (2666 H 114W rt,NtIVIemui l0 6 abed 661E 096E Wi° 1N3WltI1SNI W210dINfl OBW elPpard/axW mooed Asued a16u1S 2130121 ofld 31tl.s11'in trL89Z9 •sivaumoou luaniusuoD aril of iul nsand pasodtut sluaulssass1 pore soup up `anp uagm `,fed At1dunud'tugs Jamo.11og •uoutioossy slaumo 0111 jo suoputngaa .to sopu Iagio .io smut -A ,foe (ni) pue uolienoossy saauMO aql so oio golgm luatunoop luapeninba Au 10 luacun.risut 'situ `uoilelodloour Jo saiop.re (ii) 'uoguluioa. 0111 are „sluacunooa luanitlsuoj„ 0 111 •sluaumooG luanitlsuoJ sand 0111 zapun suopaitgo s,.lamollog 3o ue cu.ro3-ract ]tents zamollog •SuopuN lqo alld 'V :smottol se ooi i pue lueuanoo zagl.m3 .lapua-i pure Samonog luatutuisul *mops 0 ut opal 91,1011.100I pue S1U1 U0AOO agl 01 uoilippe uI 'SINVNaAO3 aad isaralu! s,.ramollog jo sp0000id pue sirjouaq `sasn 0111 pue „uoietoossy saaumo„ am) Gad 0111Io S0111jloel pue seam uouuuoo 01114u1geuetu 10 5 ,8'110 luatentnba 10 u0il1H0OSSe SIOUMOauloq 0111 ui 1S0.I91ui s,Ionkauog sapntour osie iflladoad 011,E „and„ 0 111) [1uatudopA riun P'-'-'1d JO aW N] HONV I AHTIVA ITYIS se umouN luautdo[anap nun pautnid e Jo "Jed e st 1ivadoad 0111 „uotiere]oaa„ am) a2I0OH11 30 SMOI LDI LIS32i cINY SNOISIaMO3 SLNVMHAOO HILL poquosap se `sptlittoe3 pue snare uounuoo urulip° pue Sioared Sons latilo Slim .zag1aol Tuittamp e Slim panordtut poet jo pored a `01 palncrtt loo Si inq `sapniout Jfl.rado1d 0111 [ssaippy Avadoid] L Zt 68 StQINOXM HMXVHS a1+It+IaXm3 t S :le paleoot pue luauuuIsui ,flunoag 0111 ui poquosap iCuado1d 0111 2uuanoo pue alnp °urns 0111 10 „.iapua-t„ 01 11) 0NI ao asies2ioN 'IF MOLLFIL3 01 01oN s,J0M0 .10 moos o1 „aamozlog„ au) paugrsiopun au fq uani5' 'amp °urns alp 3o „ivaurn.rlsul /Clumps 0111) paaU 'tunas 10 1811.11 Jo pact `aRalrow 0111 luatuoiddns pun puaure of pump oq ]Innis pue mu” palelodioou] si pun as 0002 c{<uanoH Jo Au') puZ 11111 apeul si ImaRI INHINc10'IIAgu ZINIl QENNV'Id SIH.L 2I IGflI IMHIA1c10 IIAJQ ZIMfI OETM IVrld C+ 0 T B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and against loss by fire, hazards included within the term "extended coverage," and any other hazards, including, but not limited to, earthquakes and floods, for which Lender requires insurance, then: (i) Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premium installments for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the master or blanket policy. In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 11. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender' s prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casually or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 6268744 C)-7R (9912) Page 2 of 3 Initial Form 3160 3199 86 20214 -02 co-v�aoa 1011 ssr£ 09 1.0 WJo Jamo.uog- aamonog- (itaS) Jamoa.iog- .tamo.r.Uog- (I ra 8 WflTIOOZW 'L1 aSINau {o c a6ed .Iamo110g- (itaS) iamo.uog- (i1as) .wmoiaog- (itos) (i s) aamo.LIOg- (Itas) (Z l.66) 1L ttL89Z9 NflTIO3 N 'd STIEVH 'aapig and snp ut paure4uoo suorsrnoxd put swiN oip oI sa0i2t put sldaoot 1OMollog alga DNINDIS o lift J 0 SECOND HOME RIDER THIS SECOND HOME RIDER is made this 2nd day of November, 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower," whether there are one or more persons undersigned) to secure Borrower' s Note to NATIONAL MORTGAGE OF IDAHO, INC. (the "Lender of the same date and covering the Property described in the Security Instrument (the "Property"), which is located at: 51 CHEYENNE CIRCLE, THAYNE, WYOMING 83127 [Property Address] In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that Sections 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower' s second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 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 second home. 6268744 MULTISTATE SECOND HOME RIDER Single Family Fannie Mae /Freddie Mao UNIFORM INSTRUMENT Form 3890 3199 Ail i1 20217 -01 Page 1 of 2 IM -366R (9904) VMP MORTGAGE FORMS (800)521.7291 Initials: 188 ZO 661£ 068C Mod .lamo.f.[og (iEaS) .TamoJJog (iaS) .camoJ1og (ieaS) 6 8 T t� L Z )o Z abed .ramo»og (IgaS) .amo.uog (Ps) aamouog (RS) iamo.i.tog (IgaS) (17066)1199£-W TiPL89Z9 YS11'I'I000AI 'd Sa'DIYHO !H 31110H puooag snit ui pauiefuoo Suoisinozd pug suuaf aqf of saaBr pue sfdaooe zamor.zog `M01313 ONINDIS AEI