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60-09002 FL:At 6tctzs(oo8) S V )a V e6ed (S000) 6016 6908 tined INEWtlil.LSNI W?JOdINf °BIM etppo dleaw eluut:d- AIluaed eI6uIS-ONIINOAM >ppeta 'Jeu6eM euueer R s i' '0 AM 'ieiewwo) ..r. U e6ed yioog u[ Mer79/I papiooad f„ T9LJT£9 OHVGI 30 ZIVIS 311,1 Jo smri atit noun WuttstXa putt paznre9.ro e sc .tapuaj ONI 3OYf L ION 3QIMNOIZYN Si ,,.tapua7„ 0) 1uaurtutsui fittznoas snit .tapun 1O UJ1our atit st .10/N0110g 33IM amv GtIVESIIH H1INS awl xacasv GNI HZILIS aao r 30H030 St ,,.13,4t01.10II„ (g) •tuaumoop stet of szaprg HI? gitAk .zatitaot 000Z 'PT aegtuanoN Si tiottim `tuauntoop snit smut juauntijsuj ff;itnaaS„ (v) •91 uottoas tit paptAozcI osie ate wouulaop snit ut posit s.toM Jo a usn alit utpttt at saitu utruoj •IZ putt OZ `8I `£I `1I `E; suottoas Ur paugap a.te sptoM iatito puu Moiaq pautlap attt uuatunoop shit jo suopoas aidrlinut tut posit sp o SNOLLINIddu HDVaLITOJ [epsa ;4urpaoaau .tot 21ln Sttf.L aeogy 3313dS1 -y l f$YJ i33ViiiiON 31 33S at o Pb qZ ________y 0 T00£8 ua 'rtosxovr s I H NVSGS :Su pon da.rd TO 0£8 OMILIOXM 'MOSxaVr L86b XOS 'O'd- AvMQvoj ZSv3 o£Z 'pm' 3OVOZ2ioi^I 3QIMNOIZvN :PI tun1aj Lender' s address is 230 EAST BROADWAY -P.0. BOX 4487 JACKSON, WYOMING 83001 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated November 14 2000 The Note states that Borrower owes Lender Two Hundred Ninety -Six Thousand One Hundred and 00 /100 Dollars (U. S. 296 ,100.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2030 (E) 'Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: 6314761 Adjustable Rate Rider Balloon Rider VA Rider 6(WY) (0005) Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 15 Second Horne Rider 1 -4 Family Rider LxJ Other(s) [specify] FNMA MTG. INS. RIDER (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrment, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S. C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. 6 98 Form 3061 1/01 R CA 20050 -02 co 6016 690£ uaJod 1110 6 96ed (1333) (AM)9•� y s�eitiu� T9LbT£9 sigl 10 310N all .iapu luacu;ied se zapua-i h pantaoaz luaullutsui za zo 3loacio Niue 3t `zanaMOH •X0001110 S fl ut apucu aq Hulls tuaulnzisul ,CliznoaS situ pue aloN aql zapun anp sluomiced uoiloos 01 luensznd sttlatl mama z0 spunj lied ow ]rugs JomonOg •aloM att zapun anp saan p am pile saazega luaulhdazd nuL pue atoN aqt iq paouapina !gap am to !sazalui pile `Jo tediauud aql anp uagM Aud Hells zaMOZZOg •sa2aug0 awl puu 'sa2auto 11uaw,Cudaad `small ntoaasg Isamu' 'Iudtauud jo luatuSud •I :smoiioj se 00z5e pue lut:uano° iapuaj pue 10M01z0g SINYNaA0O IN2IOdINfl •�ilzadozd maz 214zan00 tuatunzlsui *moos uuo31un e atnlilsuoo of uoitoipsunf Xq Su0Iteizen paticuII q1 M slueuanoo uuOJlun -uou pue asn Ieuopuu zo' slueuanoo ulzoJlun sauiquloo AIRIf1OgS SIHI :puooaz jo saouezqulnoua file of loafgns `spuecuap pue stump Ite lsuieRe iizadozd aql of ailit aql n)]ezauag puapap ]IpM pue slurzzeM zaMonog 'mow jo saouezqumoua zoj tdaoxa `pazaqulnouaun si Xtzadozd aql Imp pue Apodozd acct /fanuo° pue tiled' `3a1z0u1 agl set pue pahnuoo Sgazaq alelsa agl Jo pastas ijjn3Mei si zaMOZZOg legs SINVNgA0O 2IgMO212I0g „:,il.ladozd„ aql Si? luaulnzlsul *moos snit ui 01 pomp! Si 2uiaazo3 aql JO UV •luaulnatsul JiliznoaS sick Act pazanoo aq osie Hulls suoilippe pue stuawaoeidaz iiv •iitpadozd alp Jo ued e zatjeazati z0 moil sazntxt3 pue `saouetlaundde `stuacuasea Tie pue `Atzadozd all uo moan z0lieazag 10 MOLT stuacuanOIduli 0 q2 IIe HJJM 2IHH.1200.L „ssazppy At.Iodozd [apoa dizl 8TT£8 &unuo,CM [X1 D1 �iAbTH [pails] HAI2ia TIIH NHdS`d zoz Jo ssazppe 0qt sell ,iiluazzna lonIM :1oquinN al pon ONINOAM X LN lOO M'IOOAIIZ 30 SQHHQ 30 2iHSSIOH2i OI3I33O -XH a1.W uariO ASNI[lO0 HHL 30 HWI33O HHL All ammooH2I S`d 3O32i3HS dXId 3HL OL ONIQ2i003V 'OAIIHOAM 'AI'a'IQI2IHi^I 'IvdI3AII2id Hs9 'SSHM 6TT HOAIFRi HIUON 9E dIHSNMOS 'ZZ NOISOHS 30 3ZKH H3 ON HHL 30 L Vd JMIHB 'NOISIAIQSf1S TIIH NHdS`d 30 6 ZO'I [uoilotpsunf 2urpiooax Jo aureN] [uoilotpsunf 2uip.toom 3o ad,CZ] AIZOOMIrI Jo LIN110O aql ui patuooi ,iijodozd paquosap 2uTMOiio3 all 'am jo zaMod glint `suaisse pue sioss000ns s,zapua-i pue zopua7 01 S3nu00 pue luea `0 tJi0w Xcpiog saop 10MO110g `asodznd snit zod •020N agl pue tuaulnztsul ,ilpnoaS sail zapun slclawaaae pun slueuanoo s,10MOZZOg Jo aaueulzoJzad atll (ii) pue 'aloN am Jo suoi pue suolsuaixa `s[eMauaz iie pue `uuo7 a jo luauc,iedaz acil (i) :zapua7 Ol saznoas tuawnalsul Alldnaas sill luaunulsul /iliznoaS snit Jo/pue atoN att zapun suopu2llgo s,zamoilog pautnssu sell Aped tutu 1011 10 zaglalM `,itzadozd ail 01 app u03ieu sag tell kind Niue snout „aa,uoaaog 3o Isaaalul ui aossaaonS„ (d) f6S ADIgdOlId MIL NI SIHORI dO 2IgdSNV LL ir Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made 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. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. 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 6314761 iefla -6(WY) (oao5) Page 4 of 15 Initials 700 Form 3061 1101 20050 -04 90'09001 t (IL 1011. 490E tutu g g e6ed (5000) (AM)9' W I9LtI£9 ag1 SUISDUapt 30I1OU e JOMOJJOg anti /Celt .iapua7 `luaumJlsui iClun3as snll JOAO AiuJOUd urn111? uro tiotgM Mil r o1 looCgns st Spada'," atpjo Lied Sur imp sauttuniap Japua7;i ivautn.11sul Slunoas sup 01 tall aril &nit utpiogns .iapua7 01 £IOloe;stles 1Uautaa12e ue uaq 0141 ;o Japloq all wag saunas (o) 10 'papnpuo3 are autp0000zd lions ltlun iluo 1nq Tutpuad ate s &utpaaoozd asotil altgM tali aril ;o luauiao.iojua aril lua/said of aleJado uotutdo s,Japuo' ut go114M s &unpaaooid Taal `u1 ualt agi jo luatuaoiojua lsutr2e spuojap Jo `,Cq gue; poop u1 uatt aril sisaluoo (q) 'luauiaaBr "tans 2utuuopod st .iansonog sr, 5uoi os Siuo lug `iaptiaq of algeldaoor Jauumut a ut tart all iq painoas uopatigo aril jo luaui,fed atll 01 5utluM ut saal2u (e) :Jamonnog ssaiun itiowt Jisui i(UJI1oos sail Imo ,Cluoud sett tlotgns tau Cue a2Jett3stp SlldIuo1d Hugs JatoJJOg uot1Das ut paptnoJd .iauurtu OM ut tua ,Crd hells Ja■onnog `small moJosg aJg SUM! asa IBM lualxa aril oZ •Sfue 31 `sluatussassy pm `SOP. sang uopet3ossy Silumutuoj pug fur ;t `S iadoid aril uo mar punoi5 so sivauuSed piotiaseat `luauIOJlsul tClunoas snit .Jan) ifiUOud u1eur uto gotgm ,CiJ doid ag1 of algelnqullu su)111Soduit pue `soul; `S II qO `sluatussasse `saxul Ike Cud hens JaMOJJ)g •suan tsa.irqo •b •Japuaq Cq pion spun; Cue JaMOJJOg o1 pun ;ai ,iilduioJd hugs iopual luauin.Iisul Swung sup Ai pa.Inoas stuns He jo lin; ut IuauiSed uodn 'maul/Cud XPUotu Zl uggi a1OUw ou in inq `yds32l gum aougpI000g ut douaiol;ap alp dn oval of Slessaoau lunoum a14i Japuoq o1 Cud liens JaMOJJOg pue `ydS221 Cq pa1mbaJ se .Iamouog ,C;110u BINS .uapuaj Vaal' .Iapun paut;ap se 'mama ut pion spun; ;o ,Couatogap a Si glogi;i •sluaulSed Stgluoul ZI tre143 0.10111 OU ui inq `ydSg2l giiM aouepi000e ut a2eings ant dn o uI of £rnssaoau 1Un0Un' alp .Iapua'I 01 .ird hugs Jamoax0g pug `ydSg2i iq paitnbat sr Jam0JJOg iJuou hugs Japua7 `ydsg)i Japan paul;ap sr `MOJOS0 ui putt spun. Jo arliogs a st a.iagl JI ydSg2l gum aOUepz033e ut spun; ssa3xa ant Jo; Jam0JJOg of lun000r begs JapuOTi `ydSall Japan pauidap Si `MOZOSa ut ptaq spun. Jo sntdLns u Si atom dI •VdSd2l (q pannbai sr spun. att1 Jo 2utlun000e lemur ue `amigo lnogliM `JOMOJJOg o1 ant5 hugs Japaa' •spund ag1 uo pled aq ibis 1sa.Ialut lung `Janomotl tupUM ut aai2u U O Japua7 pug JaMOJ.iog •spund 0141 uo s2uutieo Jo 1sOJalut Sure JawOJJOg ,fed 01 pa1tnba1 oq lou Hells Japua-1 `spund aql uo pled aq o1 1saJalut sonnbai Mel atgeogddy Jo 2ut11M ut °pert St luautaa1Se ue ssalun •a 'aJego e gons a)letu o1 Japual slnuiad Mel alquotlddy put spun. 0141 uo Isa1a4Ur JaMOJJOg sSed Japua7 ssalun `suioli MoJ3sg 0ql 211tS;pon Jo lun000r Mo1OSa all utzSlrue Stignuui `spun. 0q1 2uiSidde pug 5utploq 10; JaMOJ.rog a lot TIM Japuarl •VdSau Japan pat ;toads gum aq1 uug1 Jalel ou mall Mo1OSg 0141 pied 01 spun. aql Sidde Hugs Japua7 •3iueg ueo-i aulog Papa. Sue 111 Jo (poinsut os ate susodop asogM uotlnulsut ue st Japua7 ;t `Japua7 Suipnlout) S1t1ua 10 `AltteluatutuisU1 `Soua5e ituapa; r iq po nsut o.nt sitsodap asogM uoiltupsut ue ut putt aq hens spund oqj. •Mtn atgeztlddy gljm aOttep1O33e Ui astnuaglo 10 SUI011 MoJ3sg aJn4n; ;o sa.Initpuadxa jo salrtutlsa °tqt uosral pug ulep Iuaimn° jo stseq agi uo onp spun; ;O lunotue aq1 °temps° lugs Japuarl •ydSgH Japan aitnbai two Japuat r ittnotue wn utxeul 0141 Paoxa o1 1ou (q) me `ydSaI Japan pat ;toads own 0141 111 spun. 0141 Siddr o1 Japua7 ltuuad o1 luat3I;;ns (r) lunoutr ue 111 spunj ptog par l3allo3 `aunt Sue it `,Gear Japua-1 mums sup Japan ponnbai uatll aze 11.11 `S4Unoure gons III putt `spun; 1i11 Japuarl 01 ,Ed HMIs J0M0JJOg `U011e00Aa1 Ions uodn `pue SI uotloas gltm a3uepz0O3e ut U0Aig 0311011 e ,iq autil ,Cur, le stuall Mo13sg 1i11 Jo nitre 01 Sr JOAJIM 01I1 O3j0AOJ /Ceti Japua'i lun0tue pons Slur Japua7 01 Sudo. o1 6 uojl3as Japan palatigo aq ua141 hugs JOMOJJOg ptre lunoute gins 'Cud par 6 uotl3as Japan ast3Jaxa Sett Japua-1 `tua11 moJ3sg uu Jo; anp lunotuu 0141 lied o1 sire; JOMOJJOg par `Jantgm a 01 4urnslnd `Al130J1p stuall moJ3sg ,Cud o1 palaigo s1 J0M0JJOg 3I •6 uo143as 111 pasn Si „luauiaaJge pue itreuano3„ ase.gd NI se luatutulsul ,C1un3as sJg1111 pauieluo3 luatuaaBe par lueuano3 r oq 01 patuaap oq sasodJnd tie Jo; hugs sidtaoai aptnoJd o1 par sluautSed gons oval o1 Uo11eRItgo s,JaMOJJOg •onnbaJ Sew Japuaj se pouad auiu qons u1g11M luatuSed gins &nouaptna sldia00J Japua7 01 gstUJn; hugs `saJmbai Japua';I `par iopuo i iq panleM uooq sett spund ;o luautiied 143u1M Jo; mall Mo13sg ,CUe J0; anp lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured 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. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender' s right to disapprove Borrower' s choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender' s option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower' s equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender' s right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, 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 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 6314761 ©.6(WY) (0005) Page 6 of 15 Initials: Form 3061 1101 702 20050 -06 Lo ea 6 016 690E WJ04 y 1• it C. 91. to L 96ed lsooal (AM)9-WI oiquuosi of 2u!Sud (o) pue !moo if! 2uui odde (q) `.luatututsul Aipnoas sup .Ian() Aluotld seq 1pigM 11011 a i(q poinoos sums 'Cue 2uiSud (g) :ot potful!! 1ou an: lnq `apmout uuo suotlou s,lopuo'1 •&lladold otp &utltedal lo/puu 5uunoas put `Alladold otp 3o amen 0111 2UYSSasse loipur 5ulloalold uipnput luaunulsul *moos step lopun s1ti5IJ put Stiodo.1d 0111 ut Isamu! s Jopuoi loalold o1 altudolddt 10 olquuoseoi st 1analt1TM loj SUd put op ,11111r lapuo'1 uat11 `Slladold oql pauopuuge siq 10M011og (o) JO `(suoprjnga1 10 SMUT D010.110 01 10 TUOUIfIISUI 411103S SRI 10A0 41104 uteilu (utu 110mM LION t Jo luauiaolojua .Ioj `alnuoJloj 10 uotluutuapuoo .Ioj `alego1d `So1dn.njutq ui 2ulp0000.Id i se Bons) luoutnllsuj *moos sup lapun s1ggt1 lo/pu1 4Iadold 0111 u! lsalamui s,.1apua' ioajje SpueoiJt112is 1LT5tul imp 3utp0000ld lugai e si a10 (q) Itiounulsul *moos sn11 m pautgluoo sluatua0l pue Slueuan0o otp uuojlod o1 sjtel 10M011Og (e) 3I •;uauttulsui S ;tanaas siq; aapu11 s;PRi pug Spadoad aq; ul ;saga ;ui s,aapual Jo not ;Oa ;Odd •6 •aouapisat Iedtouud s,10M0110g SU X1.I0do.Id 0111 JO ,(ouedn000 s,laM011og ;Iutulaouoo suopeluasaldal `01 palnu1l IOU ale mg `apnlout sUOilrluasaldal Iet1aley\l •treo'1 alp ti1M uotlo0uUoo 111 (uotletulojut letiotetu 1111M l0pua'1 apinold 01 p lo) lapua'1 01 s1Lt0uialels 10 uo1lutu10Jut alu1n00tut Jo IutpuoIstul `0SIu1 )(Ilupalu =U 0na 1LI0&u0o 10 o2poptiou 1 s,l0M0110g IIIIM 10 l0M()110g JO uOt1Oa.Iip otp tIpou &01!11110 10 suoslad SU13 .10 10M0110g `ss00oid uoiltotlddt 11U0'1 0111 Fuilnp `3t 1lnuJap 111 oq !Tugs l0M011og •uotprowldy tmol s,.ta,ttoaaog •g •asnuo a1Qeuosual Lpns `dui jtoads uotloadsut 1oualui ue lions 01 10111d 10 JO 011111 mine 0011011 JaMOlnOg ant2 ins lapua'J (1lad0.1d 0111 uo sluauIanolduti atjl J0 101101111 0111 padsut Ctui lopua'I `osnuo alquuosuol sell 1t 3I il10dold agl jo suopoadsut put uodn sauiuo oiquuostal miutu Amu 1ua& &1t 10 lapUa'1 •uot1t1o1sa1101itd01 lions jo uotlaiduio3 otp 10J U01113 ilgo s,10M011og 1O panagal iou sI 10MO11og quadold 0111 0!01&01 10 ltgdal 01 1LIDmo1ljns 1ou are spaaoold uopunu OpuoO 10 mental! 0111 J1 •palalduUoO &I 3IlOM a111 &g sluatuSed ssal..old JO &atlas U CII 10 luatuSud 0T3UIS u ut uoftlolsal put <gdal 0Ip 10j sp0ao01d asingslp Jim Jopuoq •sasodlnd 11ons 10j spaaoold pase0pl seg lopua'13t iiluo Xl1adold otp 2111101sa1 10 &utinidal iOj algisuodsal aq !legs 10M011og `Slladold 0111 `Jo 3ui31u1 0111 10 `01 oOttuup 111tH uopoauuoo ut mud a.IU spaaoold uopenL11ap110o 10 aouemsul 31 •a2eulep 10 uopel()UO1ap la1111nJ plonn o1 pagetuep 3t ,illodold 0111 ltgdal Spdu101d Mulls 1OMOl10g `algisuoj i(jltoluiouoo0 1ou s1 uot1t101sa1 to ltgdal 1 11 S uotloas 01 pi paunulalOp SI 11 ssalu f •uompuoO S1i o1 anp amen ut 211uSe0100p 10 5uiltl0tlalap U1011 X1.Iado1d 0111 iUOnald 01 lapl0 111 r(1ladold 0111 utuluteul IIe11S 10M0110g `,(1ladold otp ut 51liplsal Si 1OM0110g 1011 10 10111011M ,ivadold 0111 U0 MUM 1111111103 10 a1tl0llalap 01 Slladold 0111 Moue `X1lad0ld a111 lted1U1 10 D&urep `riollsap l0u bugs JoMO110g •su0! ;aadsui :Slaadoad ail Jo uol ;aa1otd pug aautua;upu 'uol;tn•lasaad •L 1011uoo s,10MO11og puoSoq are 11omM 1&ixa saoutlsu1nolio 2Uilttlualxa ssalUn 10 `promp!M iilquuosua1un aq 10U 11eggs 111asU0o gomM `c`IuiliuM u! 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Cut 01 s1gOi1 s,laM0I10g (e) lapUa'1 01 SaISSU iigalaq 1aM011()g `OS!M10l110 10 ZZ U01100S lapun ,(11.adold 0111 saln1bot lapua'I 3! 10 'mono 1011110 111 s! Donau 0111 mum utgaq p!M pouad pup -0£ a11Z •LUtt10 alp Nips p1t1 altilaau iiutu lapua'I 110111 `tutt;p e Dittos 01 pala33o sal 10111e0 aotimal! a111 11gl lapua'I 111013 Donau u 01 si(up of UnIIIM puodsal 1ou sow 10M011og 3I •S10111LU palepl pU13 uquio aotrelnSUI algeltene Sue alms put a11?i10 au 'am i(eu1 lapuog `i(11odold 0111 suopuuqu IOMOIIOH 3I Z uolto0s 111 103 paptnold laplo otp ui patldde oq !lugs spaaoold aouemsUJ 11ons •10M0110g o1 pttd fut 31 `ssaoxa a111 t9Lbt£9 r p fl' c„7 attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non- refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable 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. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 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. 6314761 -6(WY) (0005) Page 8 of 15 Initials 704 Form 3061 1/01 2005048 60 6016 690E wlod S l JO 6 e6ed (6000) (A m)9 •Z uoTloas .0OJ paptnotd tapto oqi ui ponldde aq Ilutls ,ivadotd ogt jo nedat .to uorlutolsat o1 paridde tou are 1m141 spoaootd snoouepoosJ III' •.zapua or pled aq pegs pug pau2tssu Agat014 ate ,(ltadotd atj1 uT ',swam s,tapuog jo luatutreduli alp or otquinqullg am rum saautuup to turelo to plume ,fur jo spoaootd oqj luatutulsul ,(iunoos slid tapun siq ut to ,(uadotd alp ut isatolur s ,tapua7 jo luauuredun reuapuuu taglo to 4iodotd atp jo atnitajtoj sapnioaid `luauapnf s,tapu0-1 u[ 'MB qnm passuustp aq or 14urp0000td to uopog aril Sutsngo iq `61 uoTloas uT papinotd sg 01g1surat 'paun000 suq uo11ut0i0oou 3r `pug linejop g gong atn0 11110 tamottog •tuauutulsu1 *moos snit topun s1t0t .to ,(ltadotd 0141 uT rsatorui s,tapua7 jo 1uOuuredtur luTtaluuu taglo to ,(u0dotd all jo atnitopoj uT rinsat pinoo `luaus pnf s,tapua7 ut `te uniqaq sr `feurturto to lento tomagnn &urpoaootd to uoTlou Aug ji trump ut oq hugs t0mouog •spaaootd snoottepo0sm 0r paw ut 11011011 J0 1t114Tt u sett tamottog =gm 1sumge ,Cured agl to spa00otd snoauull00sJJA tamouog samo rum ,fund piaj aql sut ow „,(tired 2ursoddp„ •anp uagl 1ou to taglagm `tu0umtlsul 'i1un0OS sip kg patnoos stuns alp or to ,i;tadotd all 3o tredat to uOTletolsat o1 tatnra sp0a0otd snoaut joosij, alp ,(idde put! 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Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender' s acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower' s obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer' s interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instniment; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer' s consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower' s obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower' s rights and benefits under this Security Instrument. Borrower shall not be released from Borrower' s obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower' s default, for the purpose of protecting Lender' s interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower' s acceptance of any such refund made by direct payment to Borrower 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. 6314761 6(WY) (oao5) Page 10 of 15 Initials Form 3061 1/01 1NC 20050 -10 66 o9o0Z 1 0 :4 1, /1 1 mod S l to L L e6ed VdS311 uoi3uttuoju! .Iag1O Slug pue aputu aq pinogs sluaulit''d gOlgm of ssaippt' alp `iao!mas uu07 mat! alp jo ssaippu piw aumu alp aleis !iron gOnim amp a141 Jo aorlou UODUUM uani2 aq Him Jamofog `.tao[n.Ias ueorl alp jo aarego a sr °Jagp JI •aloN 0141 Jo alas u of paluTamn =Imps uuo' agt 3o sa &uugo afoul .io auo aq itT2nu oslu aaama MW aiquogddy pue luauinilsul !(Tunas sell `a1oN ag1 .zapun suoTtugggo Wuiotntas uuol au2uout Jagpo suuopod pue luauinzisul t(3unoos sell pue, aloe! 0141 Japun anp spuautifud o!po!.tad sloalloo lugp „.1a3!mos uuo7„ alp su umou)l) Aprlua all uT aguugo u ut ales v 'lama _l _log 03 aorlou aolud 3notp!m smut aiout Jo auo !Nos aq ueo (luautnilsul 'fwnoas sup glim !agp o1) apoN alp ut 1samen lupsed u .io a10M ata •aauenalaO JO aorloN :aaalmas uuol 3o aU1l 3 :a10JJ Jo ales 'OZ •8i uoloas aapun uopmaiwO1l jo asap agp uT Sfiddu you ins alupsurat Oi 11141 ST141 `1OA MOH •pai. n000 pug uOpu.IaTaOO1 Ou Ji su anIpOaJ3a ,(linj IUTeuta.I hugs Sgatag pampas suojlaigo pug tuatunipsul ,tunas sill `.1amo.uog ig luauialElsura.i uod11 •.Ia,Isutuj spund oruo:tloaig (p) ,io `A(irlua 10 XITlu1uomnh1Sur `i(ouag1l iutapaj u (q paznsur azg sprsodap asogm unpmpsur ue uodn uA%lup sr ratio lions Aug paptno1d 'raw s,ianlsi o .to 3I00140 s,zatnsuazl 'raw 7laug Vow paijploo (o) `..Iapio Sauotu (q) 'tisuo (e) :Japuaj Sq papoalas su `stu _loj Uurmolio3 atll 3o afoul JO auo uT sasuadxa pue stuns luatua11 lsurai Bons 1fud 1ant011og mit aiinbai Auul .Iapua-I •Wuugoun antn3uoo !lugs `luatuuisul *moos sep Aq paanoas stuns alp pied o1 uogu rlgo s,.iamottog pue `puauinalsul ,!lianas slap .iapun sTggu pug Suado _ld agp ue psa.Iapur S,zapua7 Iugl aanssu of airnbaa Alquuosuat Mum Japuol sg u0130e goes savi (p) pug 'tuatun_lpsul Slunoos sell .tapun spg2u pue Suadozd alp ut lsaaalut s,Japuag uUoototd Jo asod _lnd 0141 .IOJ paimOU saaJ Jaw pue `saa3 U0U1Ulun pue uotpoadsui ,(uadotd `saaj ,sifauaotte alquuosuat `01 pow!! you 3nq `..autpniour `3uauuulsui !(lianas s11j1 SUTO.t0Jua uT paunour sasuadxa ilia sSed (o) `sluautaa.Igu so s3uuuanoo 1atj3o Sure Jo 31nujap Aue samo (q)'paun000 pug uoi3uialaoou ou J! su a30N aq3 pue puaUm_l3sul iIT:moos sep Japun anp aq mom uagi gorgm sums Hu .tapual s,fud (u) :.iamonog pugs am suorlrpuoo asogj •luauttulsul Strums sell 2utaI0jua 3UOu1 pnf a Jo 6.Itua (o) xo 'alulsutat 01 3IJ Li s,1aM011Og 3o uoiuuiuual agp .ioj goads pgguu mu'I aiquogddy sg pouad zagpo lions (q) `.3uauitutsui *moos sep ttt paureluo0 aim Jo lam ©d Atm 01 peensind Suado1d alp Jo alas a _lojaq s,iup ant (u) :3o Isai.ma atp o3 _loud atutl ,(uu le panuiluoOSip Iuauuulsul (IrtnOas Sup Jo 1uau1aoJojua anuti 01 ig9u atll anus! hugs IOMOIIOH `suorlrpuoo ufeuao maul .Iam :tog 31 •uo!w.!o aaay aal3y alelsutag op I09I s,aanno.mil '6I tannoltog 110 pump .to aorlou .Iaqunj 1no1I1Tm 3uatun13sul ,(1un00S sell Sr! pafnuaad Saepauiaa Sue a)IOnu1 Sum .tapua' `pouad sett Jo uoTpuItdxa alp 01 .ioud stuns asap Sud Ol delij lamo.uog jI •luatunilsul ,(punoas snit Liq pampas stuns Hu Sud lsntu .Iamo.t:log gvTgm tml3tm SI uorloas gprm aOUllpiOOOU uT uanTB se aorlou alp amp alp UIOZ3 situp 0£ uu ssal 1ou JO pouad u aprnoJd Ilegs aO110u aqZ •110RUtoIa00e Jo aorlou IOMOIIOH anT8 !lugs iapuarl `uorpdo sep sastataxa Japua7 J1 •mu-i aTquorlddy iq palzgrgo1d sr amino guns ji .iapua- iq pas! taxa aq 3ou !lugs uorpdo snip `aanamog •luatututsUl Stenos sell Sq pampas sums Hu Jo Tinj ut puatuSud alt:rpauuzlr a.Itnbaz ,fuut Japua' `luasuOo Ua1UIm _loud 5,1aptta-I 3nog3Tm (p0110Jsuu.11 zo Nos sr 10M0110g UT 1SOIalur I1TOT33uaq u pug uos.iad !mum u Sou Si J0MO.uog J! Jo) pauaJsuutl .10 pj0S s! i(IaadOZd atll ue ISOJOIul Sue JO 413dotd atll Jo piud ,(ug 10 (Iu 3I •aasglpind a op alp amin3 u le .Iam0110g ,(q allip JO IOjStreI3 0113 st 4OTgm JO IUO3ut atll Iuautaaa8u MOSOSO .10 30e,.03uo0 sales luautllu3sur `poop .ioj 10E 41100 `poop .IOJ puoq u uT poa.tmismj spsaJalun lui3t auaq asogl `01 pa3TU1!1 lot! 1nq `8utpnloui `,(I1odo1d 0111 u! Isata3uT (u10Tjouaq .i0 1u5a1 Au1 smut ,,,(uado.Jd aq3 u! lsaza3ul„ `81 Uo[10as sell ui pasn sy •.iamoaaog ur 3saaaluj luro13auag 11 .10 ,flaadoad all jo .iojsuga j •sj •luatiouisul dlimOas slip Jo pue a1oN am Jo 1idoo auo uan18 aq Hugs IOMOJJOH ,(do3 s,aamoaaog 'Li 'um= Aue 031111 01 uorltl8igo ,fug pnot[3im uopoJOSep OTOS SOATi3 „AEU ptom atll (o) pug !R&M OOIA pug 1u.mjd ag1 apnJOlIT pug wow Hugs mauls alp ur Sprom (q) '1opua3 auiutuiaj ag13o sp.Iom JO spzom 1a3nau 2urpuodsoiioo apnlour pug uuatu Hugs .iapu au11nosutu at13 Jo SpIOM (u) :lUoUIfltlsuI Stenos sell u! pasn sy •uotstnold 5U11DT tioo 0141 lnog3jm 100110 uane' aq ago gorgm aloN at11 Jo 3uaumllsul ,(lianas sell Jo suorsinOld 101430 10ajjv lou hugs 1p1l3uo0 lions `mul alquorlddy gptm s10!T3uoO 0101\1 a111 Jo luatuntlsul ,(lianas sep Jo °sumo Jo U0!SIAOld /Cue 113113 lean am uI 101111u00 Aq puautaa13e 3sureau uotprgigoid u su pan.zisuoo aq 3ou Hap aouaps Bons pnq 'molls aq ig8iut 1t JO 10E111100 ,(q 00113 op sawed all moue S1lro!dun .00 SllroHdxa Kann mg'I alquogddy mu-I aiquogddy Jo suor3u31u14 pug sluamaunbar Sim of loafgns 0.111 3UOU IU3SUI 4moas sell u! pauru3uoo suotlOggo pug i!y •palu00( se ,(iJadoad alp g0nlm uT uorpPrpsrmf all Jo met am pue me! !g _l0p0j Sq pau.Ianog aq 11ggs 3Uaum_l1SUI i(ITmOOS STILL uollanilsuo) ;o wing :,(lgiquaanas :mg'j 2u1uaanOO •91 (s000) (�1m19• T9Lit£9 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party' s actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum 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. 6314761 (0005) Page 12 of 15 Initials: h 7' 0 Form 3061 1/01 20050 -12 EL 1011 190C mod g 1 E l aged (s000) (AM)9 I9LYI£9 lutuzoiirn 3o van! uotldutaxa pnolsaucog agl Jo =tun iq pun aapun sanium pun sasealaz IOMo.zaog sa 3 nl 1 M bZ *mug algeogddy .rapun pallnuaad sr aaj aril Jo 5uiarego aril pun pampuaa saopuos .toj Al.ind pznll n o; pmd si ooj 011131 iSluo Inq luaumllsul A1unoas sup &utsnalat Joj aoj r, JOMol.xog &.Jett° Sew Japua' slsoo uoilepJooaz fun And !lugs aamolog •luauuulsul klunoas sun asealat iings .tapua' luauuulsul Swops sup Sq pa.tnoas sums lie jo luauzSnd uodn •asualan •£Z •li o; pall! ;ua S1L1 ai suosaad ao uosaad aq; o; ssaaxa ,fur (a) pur.:luawnalsul Sganoas slgl ,fq paanoas scans gr o; (q) :saaj ,sSatuollu a(quuosttaa 'ol pa ;lwq ;ou ;nq '4uipnpul 'airs 3143 jo sasuadxa 11r o; (r) :aapao 2ulmoiioJ aq; ui pagddu aq 11rgs airs aq; jo spaaooad aqs •alas ,fur ;r ,flaadoad alp asrgaand Sulu aau iisap s ;1 ao aapua' •mIZ alquagddy fq pa aauuuw 3143 ui Nos aq lirgs Slaadoad 3143 pur 'airs jo aagou ay; gsggnd 11rgs aapua7 •sJ uol ;pas u1 papinoad aauurw 3143 uI aamoaaog 03 alas 3143 ;o aallou 3,42 11ggs aapuai •muZ aiquogddy g ;1m aaurpaoaar u1 'luaaa331P 31 'Siaadoad 3143 jo uolssassod u1 uosaad 3143 o; pur aamoaaog o; asopaaoj o; lua;ul jo aallou an12 hugs aapua7 'airs jo aaMOd 3143 sa)lontn aapuai 3I •aauaPlna a1;►; ,lo slsoo pug saaj ,s,fauao;lr algruosuaa `o; pa;lwg ;ou lug tulpnlaui 'ZZ uogpas slgl uI papinoad saiPawaa ag; 2ulnsand u1 paaanaui sasuadxa Ilg Pa11oa o; pal ;llua aq hugs aapua' •meg alqua1lddy Sq palllwaad saipawaa aaluoo ,fur pur airs jo aamod 3143 agonul Srw pin purwap aaglan,; lnoggAt luawnalsul ;lamas slq; Sq paanoas scans 1111 jo 11n3 ul ;uaw,frd aprlPawwl aalnbaa Sow uol ;do s;i ly aapua' 'aoilou ag; u1 pajwads a ;rp aq; aaojaq ao uo paana lou si linuJap 3113 31 alas Puy 0010101333r o; Jammu% 3o asuajap aagl0 Slur 10 ;xnujap u jo apualsixa -uou ag ;;aassr o; uol ;ay lanoo u 2uuq o; ;Op 3143 pur uol ;yaalaaar aaimu a;ul5waa 01 ;Op 3143 jo aaMoaaog waolul aaglanl (lugs aallou a1J •Spadoad 3143 ;o plus putt luawnalsul £llamas slgl £q paanoas scans ag; Jo uol ;yaalaaau 111 ;insaa Spilt aallou ag; 111 palilaads alup 3143 aao;aq ao uo l(nujap 3143 aano o; aan1ioj lug; (p) pug :pant» aq ;snw ;1nrjap 3143 143!14,0 Sq 'aamoaaog o; ua42 sl aoilou aq; amp 0143 woa; sif!p 0£ 011143 ssal lou 'amp r (a) .l1n1Jap 3143 Jana o; paarnbaa uol ;pr ag; (q) .lxngjap 3143 (y) :,f,;Ioads ilggs aai;ou aqI •(aslnuaglo sapinoad Mr' a(gyoiiddy ssa(un 81 uol;oas aapun uoi ;uaalaoor of aorad ;ou lug) luawna;sul if;Ianoas slg; uI luawaaa r ao 1.11ru3AOO ,fay jo prat(' s,aamoaaog aulmol(o3 uol;raa(aaar o; aolad aamo.uog of aallou 0,42 'jugs aapual •salpawag :uol ;raalapoy •ZZ :smolloj se aaAu pun 1UEU0n00 .lOg1.1113 J0pua7 pun IOMO.t.to g 'S.LNVN1AOD LAi2IOdINII-NOM 71.0 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: 6314761 4 -6(WY) (0005) dDD SMITH ABBEY LEE 14 Page 14 of 15 (Seal) Borrower Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) .Borrower Borrower Form 3061 1101 20050 -14 91. 6016 690E Wood sIefiuI :ss Siunop uogaZ 91. Ja9la6ed (s000l (Am)9 I9L'T£9 ZOOZ `9Z 'gad :satidxa uoissiututoJ AIN Hs IRIS aa'I XNgsY pue HsINS aaos asuom Aq OOOZ '.zagpuanoN ;o yep LI4VT aut atom pa2paimouxae sum luauttulsui uto2atoJ 01 J `OMIIAIOAM JO was MORTGAGE INSURANCE RIDER [Property Address] 6314761 Multistate Mortgage Insurance Rider Single Family- Fannie Mae Uniform Instrument ©•11 R (0004) Form 319-0 4/00 Page 1 of 3 Initials VMP MORTGAGE FORMS (800 21 -7291 712 This Mortgage Insurance Rider is made this 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 "Borrower to secure Borrower' s [identify type of note, e. g. fixed rate] note (the "Note to NATIONWIDE MORTGAGE INC "Lender of the same date and covering the Property described in the Security Instrument and located at: 202 ASPEN HILL DRIVE, ETNA, WYOMING 83118 The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at the lower right corner that is earlier than 3/99): Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 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 20744 -01 Z0 PPLOZ EVA 009 096£ mod Tt ;o Z a6ed •uol;uuluua; ao uol ;ullaauua mans Jo awl; au; ;u pauauaun aaaM null stunpuaad aauuansuI a2u2poyk Auu jo punjaa u anpaaa o; ao /puu qllual ;uwo ;nu pap uimaal aauuansuI atapoyx aq; aim! o; 'aauuansuI aWpojAi alp jo aoi;upaauua ulu;go puu ;sanbaa o; 'saansopslp uluaaaa anlaaaa o; 1q2u am; apnpul Sum s;m2Ia asagi •MLI amp) Au a0 8661 Jo ;ay uol;aa;oad saauMOawog am; aapun aauuansuI autlaow aq; o; padsaa q3p ,fur 3I sum aan+oaaog s;g2p alp pajju ;ou HIM s;uawaaatu mans Suy •punjaa Sur o; aaMOaaog al ;r;ua ;ou !!!An Sato puu 'aauuansuI aaunl0mi ao; aMO IIIM aaetOaaog ;unowu aq; asuaiaul ;ou 1104 s;uawaa1 I mans •uuorl aq; Jo swag; aaq ;o Sum ao `aauuansuI Autlaow ao,; Sud o; paaa2u sum Jammaaog ;ug; slummy am; ;aa33u ;ou IIIM s;uaUuaaa2u gans Suy :zawn3 anUdea„ pauual ualpo st luauzaauuzm agi `Ja.rnsui aql o; mud suinnuaid aql Jo angs r, zoj a2uegoxa ui Nsu s,iainsui aul jo mugs a sari Japuari 3o a ;eltljje uu legl sapinold luotuaal2u cons 3l •sassol guionpoi .io `)Isla 1 L (V000) b 6 6 rWl I9LVTE9 (g) (y) vtp (.P9b aricS By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and supplements the Security Instrument. 6314761 (Seal) Z TODD SMITH Borrower ABBEY (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower 4Z) -11 R (0004) Page 3 of 3 Form 3160 4/00 7 14 -Borrower 20744-03