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HomeMy WebLinkAbout8698217 ,<A t R -7E Op This 111or1 gage SSE uuO& IF MIITIA (S I�iE Sly Return To: GreenPoint Mortgage Funding, Inc. 1100 Larkspur Landing Circle, Suite 101 Larkspur, California 94939 Prepared By: GreenPoint Mortgage Funding, Inc. 900 Larkspur Landing Circle, Suite 295 Larkspur, California 94939 DEFINITIONS OOAP -100 -6A(WY) (9905).01 O Page 1 of 15 Initials: VMP MORTGAGE FORMS (800)521 -7291 Recorded In Book No. ..f".. [Space Above This Line For Recording Data] MORTGAGE (A) "Security Instrument" means this document, which is datedll /10/2000 together with all Riders to this document. (B) "Borrower" is Olin G. Draney and Laura Draney, Husband and Wife -4) di. :e... at /?M Page L ?..4... Kemmerer, WY Jeanne Wagner, Clerk MIN 100013801017298872 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. Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. 0101729887 WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 3/99 66/C 1905 wood L886ZLTOTO 8 s�eniu� [iC3toads] (s)lag10 lapl?I Xlludud JaPI I awol-i puooaS 5 L Io Z a6ed 10pt2l luawiied 1iI)100mlg laplu luawdoIanaQ 11uf1 paUUU1d Japlu wnwlwopuo0 Lo 19 0661 (AM) IL/9- ddSg2I lapun „ueoi a5i low pomp.' /Cipeuapal„ e se X3itunb l0u saop uuo1 aq1 J! 'Iona „uuoi aauow pal iai kiiulapal„ u of ple2a1 ut pasoduzi ail 1ug1 suoip ulsai puu sluawaunbal He o1 siajai ddSg?I„ `luawnllsui *moos os sigi ut pasn sy 'lallew 1oa[gns awes ag1 suiano2 1eg1 uopein2a! .io uopeisi2ai iossaoons !o iuuoluppu /Cuu .io `awl 01 awp wool popuoun aq 1gpw /Cag1 su `(00S£ Qud '2I'd'O bZ) X uopeingau `uopeinWai uTluauzaiduii s1l pue 1a I09Z uopoaS 'O'S'fl Zi) lod sampaooid luauiaplaS alulsg luau aq1 suuaui „ddSau (a) •luauiiulsui S11lnoaS sup Jo uopoag Jopun swnoum Cue (tt) mid `a1oN agl .iapun 1salalul puu iediouud (i) !o3 anp lunouuu painpagos iiiiulnSa1 alp sueow „luauuiied aipotiadi, (0) •uuo'i aql `uo inujap Jo `Jo luauu&Cuduou aq1 isu lapual 3upoalold aouuinsul maw „aouelnsul a2e3llop.i„ (M) •XUadold ag13o uoplpuoo !o /pue anion ag1 `01 sY suoissiuio !o `3o suouuluasaidaisim (Al) !o `uouuuumpuoo 3o nail ui aouu/fanuoo (m) `iClzado1d alp 3o 1led Xuu 10 HE to uniel MVO io uopeuwapuoo (ii) `Xuadoid alp `3o uopon.usap .io `01 aTeun p (t) :lo; (S uopoaS ui pagilosap saulanoo alp .iapun pied spaaoold aouu1nsul uugl logio) Xuud pllgl Cue /iq mud spaaooid .io `soSewep 3o p.mme `ivauialllas `uollusuaduioo /iuu swan! „spaaawa snoauepaaspN„ (IAi) uoiloas ul paquosap a!e 1ug1 stuali asogl sueaw „small molasg„ (�I) s.ia;suu.1 asnOq ui1uala paluwouw puu `sialsuuii a.iim `auogdaial iiq paluplu! sdalsttell `suopousuu.0 aulgoew lalial paluwoine `s1alsuusi am-Jo-21110d `01 pallwli 1ou st 1nq `sapnpui uual gons •lun000u uu upon 10 11gap o1 uopnlpsul iuiouuuu u azuoglnu 10 `1on.usul `Japlo 01 su os adel oilaugeui 10 `lalndwoo luatutulsui otuogdaial `iuuluual oluo1Pala ue g2nolgl palutllul Si golgm luaum.ulsui .iadud lellwls .io 13uip 'pogo paluul2llo uopoesuell u uegl loglo `spun3 Jo JoJsuezl iiuu sueaw „JaJsuell, pun aluoalaaid„ (N) •uopeziva.io iupuns !o uopetoossu s.iaumoawog `U0I1 1Oossu wntutwopuoo u aql 10 .iamofog uo pasodwl PIE lugl saazugo laglo pue `sluawssassu `saa3 `soup lie maw „sluatussassd pue 'saa3 'sang uoileiaossd ifllunun uoO„ (f) •suoiutdo ieiaipn[ aiquieaddu -uou `iuu1; aiquoilddu iiu su Ham su (mw Jo papa ag1 aneq lugs) slap!() pue SOIL! Onpulistulwpu pue saoueUipio `suopuinga.1 'sou iuooi puu aims `iu.iapa3 °lquoliddu $uliiolluoo lie suuaw „mei aigeaiiddd„ (I) laPi2I VA Jam uoollug Japlu aluN aiqulsnfpd 00t dIZQQ [alquollddu su xoq )loago] lamolaog fig palnoaxa aq o1 a!u suapl2I 2uimoUoJ atu, •lamo!!0g /Cq palnoaxa a!e 1ug1 luawtulsui *moos sup 01 s.dapiu Hu suuaw „s.iapm„ (g) •lsalalul stud `luawnllsui /ClllnoaS sup lapun anp scans lie pue `a10N aq1 lapun anp so2Jutp ales puu so5Jugo 1uaw/iudoid /Cue Imam stud `a1oN aq1 /Cq paouapina igap aql small „two-i„ (J) iC1.Jado1d aq1 ui sulk! to lalsueu j„ iapun molaq pagllosap si 1ug1 ,Cuadoid alp sue= „Sl.iadoid„ (3) StOZ /t /ZT Uugl lalei 1ou llnl ul !gap ow /Cud o1 puu slaawJiud oip °!lad .iuiaa! ul !gap sup /Cud 01 paslwoid suf.' lamo!!og •1sOlalul snid o o 0 0 0 s Z T 'S' fl) SH110Q su100t /00 puE puesnotu aAT3 AquaMJ paapunH aup lapuaJ S 1M0 lamo!!og 1e solids a10N agL 0002 /0T /TTpalup pue lamo!!og iiq pau2ls aloe /Closslwoid ag1 suuaw „aloN„ (a) 6£61.6 E '1ndsxzeZ TOT awing 'eToaTD 6utpueZ andsxiw i OOTT sl ssaippu s,lapual xaox Matt 30 9 4 e 4g eq,L to smut ag1 lapun 2upslxa puu pazlue5Jo uoileaodaoa e si lapual ou= '6uTpun3 e6eEgaow qu si „lapuaL„ (Q) T`:F' ?•fi0 786 (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the County of Lincoln [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Lot 2 of Block 23 of the Auburn Townsite, Lincoln County, Wyoming as described on the official plat thereof. Parcel ID Number: 1232190421104000 which currently has the address of 124 2nd West Street County Road 197 [Street] Auburn [City] Wyoming 83111 [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. OOAP -100 6A(WY) (9905001 Page 3 of 15 Initials: 0101729887 Form 3051 3/99 66/E 650E Wood L886ZLZ010 fw 8 L .s cY siei�iui 1 5 t 10 t, a6ed 1.0'1e066) (AM)V9 0 OT- d`dOO slunoure alp `algESEd a.iagm put uagm 'SSpoa1lp iced Hugs 1amo11o11 `Jantum lions jo Juana ag1 ul •�uppm u! aq Sluo hui 1aAJEM gons Aud •atup Niue 1E swan moaosg HE ao CUE .mj spunj aapua-j o1 pied of uopugpgo s,aamofog antEM Amu lapua-j •small mo.Ksg HE ao Cue 1oj spund aql ,Cud 01 uol apgo s,aamoaaog Sanlum lapual ssalun swan monsg ao3 spunj alp aapuarj SEd begs 1amol1og •uopoaS sup aapun plEd aq 01 slunouii jo saollou HE aapua'j 01 gstuanj llydutoad liEgs 1aMo11og •awa11 molosg ue aq pegs slualussassE put saaj `soup gons puR `1amo11og pamoaosa aq SuE j! `sluawssassd put saag `sang uOputO0ssd Allununuo0 lugs a1lnbaa Sew aapuarl `utorl am jo uuai aq1 2ulanp amp Cut 1u ao uoiuEUiguo ld „•swalj Mo1OSg„ pallEO aJE suia1! asat •OI uolloaS Jo suo!s!noad aq1 Slim aoutpa000u u! swlnIwaad aouEansul aa11oj, jo Iuaulhd ag1 jo nap ul aapua-j o1 aamoaaog Sq alquhd stuns Suu ao `Sue j! `sumluiaad aouElnsuj agalloj (p) pre :s uopoaS aapun aapuarl Aq paalnbal aoueansw tlu puE Sue aoj swnnuaad (o) !km J! `iilladoad alp uo sluai punoaa ao slua uX d plogaseal (q) `iilladoad aq1 uo aou1aqumoua ao uall E sE IU3111TU1SU dlunoas slgl JOAO /Cluoud uMEM uEO iOlgm small 1ag10 pue slug ussasst puE saxEi (E) :1oj anp slunoun 10 1uauliCtd ao; apinoad 01 „spund„ aq1) wins E `lln3 ul pled s! a1oN aql !pun `aloN alp aapun anp aaE sluamhd OTpouad hp alp uo aapua-i 01 (cud Hulls aaMOlaog -swan Moaasg Jo.; spung •sluauJJfud alpopad ag1 Jo `lunoure agi auego ao `alup anp agl auodlsod ao pualxa 1ou hugs aloN alp aapun anp ludlouud 02 spaaooad snoauEllaosm 10 `spaaoold aougansui `sluaui,ied 3o uopeogdde Aud •aloN agl ui paquosap sE uagl puE sa ngo luaw/WEdald SuE o1 lsat3 palld& aq !lugs swam/Maid iClelunloA •anp SO all o alt! Sue 01 pallddi aq ssaoxa gons 'swam/Cud Olpol1ad aim ao auo jo wawSud Hnj aql 01 pa!lddt st luaulked am nip slslxa ssaoxa SuE 1Eg1 wawa alp o f IInj u! pled aq ueo luaulhd gota `1Eg1 lualxa alp 01 pue `3! sluauii 1 d otpouad am jo luaWiitda1 am 01 13M0110g wag panlaoal wawSud Niue Alddt SEw aapuai `2ulpuelslno s! 1Uatuhd Olpopad auo uegl aim 31 •a�aego are! aq1 pee luaui&Ed luanbupap aq1 o1 palld& aq titiu 1uaul,SEd agr `anp amp a1tl Su /Cud o1 lunOwre lualoljns u sapnloui golgm luau1Iiud alpol1ad luanbullap e 10j 1amoaaog wuoa3 1U0tUiCEd t S ATaoaa aapual 31 •a10N am jo aouuluq Itdloulad ag1 aonpaa 01 uagl puE luaunulsul iCllanOaS sup aapun anp slunouae aaglo Alm 01 puooas `saglugo au! 01 asap pa!lddu aq hells slunolue 2ulutuuzaa Xud •anp aureoaq 1! gOtgM u! Japao agl u! 1U Ui CEd olpouad gota 01 pailddu aq is sluauuhd gons wopOaS aapun anp slun0ure (o) `.a20N aj1 lapun anp ledlouud (u) `.aloN agl aapun anp lsalalu! (g) :Sluotad 10 aapao 2utMoHoj agl u! patld& aq Hugs aapua-I Sq pallddE puE paldaom sluawked IIE `Z uopoaS sup u! paquosap aslMaaglo SE ldaOxg •spaaaoJd ao s;uauz,fed jo uotpeoijddd •Z •luaultulsul ,CllanoaS slgl Sq paanoas sluaulaaat put S3TreuanoO agl 2uluuojlad 10 1UaUUna1SUl /CIlanOOS sup puu aloN aq1 aapun anp sluaut/Cud 5uT)p3w utoaj 10m011og anallaa hugs aapua rsulau aanlnj aql lit 10 Mou antq 1q411 1am0fog goigM ullep 10 1aSJJO ON •aansoloaloj 01 mad /SlalulpaUJUT! a1oN a p aapun aouEluq Itdloulad uTpuulslno all 02 patiddt aq !pm spunj gons `aagma pallddt 1ou 3I •1aMoalo 04 1U q3 ulnla1 10 spunj gons Sldd& Jain° Hugs lapua-I 'amp 3o polaad alquuosuaa E ulgllm os op lou sanp aamollog 3I •1ua11no ueo-1 aq1 2uuq 01 1UaU1iied salmi 1aMO11og !pun spunj pailddEun gons mot! Relit aapual •spunj pagddEun uo Isola!!! SEd 1ou paau aapuai uagl `alup anp palnpagos s1! jo se pa!lddu s! luamIiud Olpopad goua ji •paldao3u slualuhd gons aulp aql lu sruau1 d gons SClddt of palaHgo 1ou s! aapuarl 1nq `aanrnj alp u! Sluaul1ted Iup1Ed 10 luau lid gons asnja1 of slqptl s1! of aotpnfaad 10 aapunaaaq s1ggu Aue Jo 1an!EM 1nog1tM '1ua11nO utorl alp ulaq 04 1Uappjnsul ruauJhd lolled 10 luauthd /Cut ldaooe SeW aapua7 •1ua11no ue0ll ag1 J'uuq O 1 lualo!JJnsul aaE sluaulXEd lEplud 10 luatUXEd aq1 j! luauz1fed Iulllud 10 luaW1itd SuE ulnrat /Stu1 aapual •SI uolloaS u! suolslnoad aoT10U alp gllM aouupl000t u! aapuai Sq pa1EalSap aq SEw1 SE UOT1uool aaglo gons lu 10 a2ON all u! paruu2Isap uopEOOI am re panlaoaa uagM aapuaq ICq panlaoal pawaap aae slwaul/fed •aajsuuly spend Olu0lloalg (p) 10 'iilpua 10 `iillluluau1n12su! `iCOUa2u Imam E Sq pains!!! aJE sltsodap asogm u0llnrpsu! ut uodn Umu1p s! ratio gons Suu papinold 'raw s,aalgsuo 10 vow s,aaansEall `3Ioago 3luuq 'rap pallplao (o) `aap1O Sauoul (q) !goo (e) :lapua-1 ,iq palOatas Si? `sLwaoj 2UTMOHoj am jO a10U1 10 QUO lit apewl aq IuaultUlsuj illanoaS sup puE a10N aql Joplin anp sluaut1ied ruanbasgns IjE 10 Sur Imp allnbal Sulu aapual `ptEdun lapua'j 01 pauTn1a1 s! 3Uaulnalsul XIl1nOag sup 10 a1oN ag1 aapun 1uatu ed se aapua7 Aq panlaoal 1Uawltulsu! 1ag3o 10 )loago iiue 3! `1anaMOH •ii3Uallno S p u! apEU1 aq hugs luaulrulsul AnanoaS sup puE aloN aql lapun anp sluaul/ 1ld uopoaS 03 1Uensand swan m01OSg 10j spun] ,ttd osle HEgs 10M0110g •040N agl aapun anp saa1Eg3 are! puE saj1Elp wow/Maid Cue puu a1°N alp ,iq paouapina lgap agl `uo Isamu!! puE 'jo JEdi)Ulld alp anp uagm 1 d bugs 1amofog •sanutip ajui put 'saleg0 luatWA1dald 'small Molasg '1salaluj 'ludpulad jo 1Uatuifed •1 :SMOIIoJ Se 3312E puu 1UEU3n03 lapua'1 puE a3M0110 I •S1NVNgA00 1■11I03INI1 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 (1) sufficient to permit Lender to apply the Funds at the time specified under RESPA and (2) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency of Funds held in, escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the OOAP -100 6A(WY) (9905) Page 5 of 15 Initials 788 0101729887 Form 3051 3/99 661£ 650E uuoj L886ZLTOIO 9 L 40 9 06ed Lo (9066) GlM}V9 WO 00t d`tOO grim `anp uagi lou io iaglagm `luaulnllsui Al sign Xq pamoas sums alp of pagddu aq !pugs spaaoold aouuinsui aqi `pauassal aq mom irilnoas s,lapua-I .10 algisuaj AjlEOttuouooa lou s! nEdai io uopeiolsai aqi 3I •Iamollog 3o uou qqo Nos aql aq !lugs puu spaaoold aouuinsui agl 3o ino pied aq lou !lugs iamo110g pauielal `saiuud pimp iaglo 10 `sialsnfpe opgnd Io; saad •spaaooid qons uo aura io lsaialui Auu lamollog Cud o1 pannbai aq lou hugs .tapua'I `spaaoold aouulnsui qons uo pied aq 01 Isaiauui sannbai mwrl algEOilddy JO 2upium ut alma! s! luawaai5e uu ssalun •palaldaloo si 3l1om am se maul/Cud ssai5oid Jo sailas e u! I0 ruaul10Ed aOuis a u1 uoiieiolsai puu siredai aqi ioj spaaooid asingsip /Cum .tapua-I •Slyduloid ua3luuapun aq hulls uopoadsui qons legs paranoid `uopoujspes s,Iapua-I of palaidtuoo uaaq sEq lion‘ agi ainsua 01 Auadold Bons loadsui 01 ifliunfloddo au pull set! iapua-1 !pun spaaootd aoueinsui lions plot! 01 11141 aqi anuq legs iapuarl `pouad uoifu.ioisa1 pure iiedai Bons 2uunu •pauassal fou si iClunoas s,iapuarl pue algisual S!leonuouooa si i!udal 10 uopu.toisai aqi 3i `ivadold am Jo i!udai JO u0ifEao1s0.1 01 pailddE aq pugs `iapua-1 Aq palinbai sem aoue.tnsu! 2uuiliapun alp iou 10 .tagiagm `spaaoold aoueinsui Cue `2u111IM ui aaa$E astuiagio 10mo1i0g pun .tapuaq ssalun •.tamoilog Aq Alldtuoid apuul iou 31 sso! 3o jooid oval duw lapua •1apua'l pue .I 111E 3 aounlnsui am 01 ao110u iduio.td aAP IIEgs I0MOI1Og 'SSOJ JO 111011.0 aqi UI •aaicud sso! Ieuoilipp1 tie SE 10 /pue aa5a110 II Se lapua'J alum hugs pug amp age2no 1 piupuuis u apnloui pugs Xoilod lions `Auadold alp `3o uoponifsap io '01 a&urep ioj 'iapua-1 palinbal astM1ag10 fou `agulano0 aOunlnsul Jo ULIO3 Atm sutElgo lamollog 31 •saopou IEMaua1 puE sumtwaid mud 3o sldiaoal lie iapual 01 an!S iIldulo1d hugs iamol1Og `saiinbai Iapuarl n •salno13iva3 lEM01101 puu saioilod aqi ploq 01 1q0?i1 am anEq 11E11s lapua-I •aaAud sso! p UOlrlppu ue se 10 /pu 1l 110 u Sg Iapuarl 3111W HMIS puE `asnulo aalioul plepuels u apnloui hugs `saioilod lions anolddesip of ig2Ii s,lapua7 of ioaCgns aq hugs saioilod qons Jo slemauai puu iapun Xq palinbal Sa1Otlod aouemsui !Iy •ivauliced 2upsanbai IaMOiiog 01 Iapua7 wog aopou uodn `lsalalui lions grim `algi&Ced aq hugs puu fuaui s1ngsip Jo alup am u1o1,1 01Ei aloN alp lu 1Sa1a1u! ieaq pugs slunotue asagj •luaultulsul 'i1!lnoas sup icq pamoas IaMOiiog Jo igap Iuuollippe auiooaq hugs g uoiloas sillp iapun lapua l iiq pas1ngstp slunoUre iiuy •pautulgo anEq pinoo iaMOliog le! 0OUe1nsut Jo 1soo aqi paaoxa Apu olpu2!s 1112itu pauielgo os a2ulanoo aOUeinsui am 3o Iwo alp imp sa$palmoulou 1aMOIIog •1oa33a ui iilsnoinaid sum ue111 au1anoo Iassal 10 1alEaa apinold rqpnu pue /clillget! 10 mull 'Isl.! Alm 1SUi1WE `,Cliad0ld alp Jo slualuoo aqi 1O `1ivadOld a111 ut'linba S,10M0110g `iaMOliog 1Oaloid fou lqpiut 10 1 inq `Iapua -I ianoo !lugs aguianoo lions `aiopaiagj •a2Elan0O 3o iunOLIIR 10 ad/C1 Jul /cur asEgoind 01 uopOpgo ou iapun Si lapua •asuadxa s,1aMO.uog puu uopdo s,lapual 1E `32eianoo aOUminsui utulgo /Cull" lapuaq `anoge pagilosap sael0n00 alp Jo till LIIMUIEUI 01 SITE; 10M0110g n •lamollog Aq uopoafgo ue luau 2upinsai uopuuiuzlalap auoz poop /rue Jo Mainal am grim uoiloauuoo ui ,iouay luatua$uueyi Ii3UaWiaulg Inlapad alp Cq pasodtui saaj 'fuu Jo luau/Cud aqi ioj algisuodsai aq OSln pugs lamollog •uopeo1Jpiao 10 UOREUTu1010p lions 1OaJ3e 11.0nu Algeuosuai gopim mom sauego mpulis 10 aulddntual amii gDEa saarego luanbasgns puu saOinlas uotluoi3Tiao pun uoueuitulalap auoz poop z0J a1eg3 aulp -auo E (q) 10 :sa01n1aS 5uDJOe11 pue uoileopivao `uopeun lialap auoz poop 1o3 amp atuii -auo a (e) :lagiia `uuo'I sup grim uoiloauuoo ui 'lied o1 10M011OH gimbal Sulu iapuai •Alquuosualun pas!Oiaxa aq 1ou !lulls 1q41 goiqm `aniogo S,IOMOiJOg anolddesip 01 101 s,iapuarl 01 1Oafgns IaMO11og iq uasoiO aq hugs aoueinsut all 2uipin0ld 1a!1duo aouelnsui a11Z •ueo' a 11 ;o tidal aqi 2uunp auugo IEo saoualuas 5uipaoa1d 0111 o1 luenslnd saimbal iapua'l 1egM •sannbai iapua I letll spoivad alp ioj puu (slam! alum loop 'uipnloui) slunoulg alp ui pauiuluiew aq pegs aouuinsut sigd, •aouElnsui saltnbal IapUO goiqm io; `spoop puu sa7nbgiiea `01 paliulil rou lug `5uipnloui spluzng laglo ,rue puu „`a2Elan0O papua1xa„ tidal am ultraM papnlou! spiuzuq `aii3 Aq sso! 1SUU1 E paInsui Aiiadoid agl uo pap= 1a13ualaq I0 upsixa MOU sluaulanoidu1T 0111 daa)! hugs lamollog •0auuinsui ,Ciladold •S 1110J sup tram uoiloauuoo ui lapuag iiq pasn aoinias 2utliodai 10 /puu UOpE01Jilan xui alma !ear E ioj amp-auo n /Cud 01 10M0110g annbal Xuul iapua I b uoiloas sup ui anoge quo! 1aS suoifoe aq1 ;o plow 10 aUO a)Ie1 10 10tl 0111 IJSI1 S IIEgS 10M0110g `110n12 SI 10110U 1E111 tjOiiM UO am) alp Jo siCup 0! Uig11M •Uai! the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower faits 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 OOAP -100 6A(WY) (99051.01 Page 7 of 15 0 0101729887 Form 3051 3/99 661£ L50£ wand L886ZLtOtO 16 :sIep!U 91. log abed 1.0'19066) (AM)d9- OOT-dVOO `luatun11sui /Cp sup Xq paInoas sums alp 01 patiddu aq slugs spaaoo1d snoauullaosm alp `pauassal aq mom Aiiunaas s,iapua-i .io aigisua3 Xlluoumouooa lou si nudai .io uouuaolsa.z ag13i •spaaooid snoauullaoslyil lions uo s5unuu0 10 1sa.malul /iuu iamot.log /Ced 01 pa.zinbaz aq you slugs iapua-i `spaaoo.1d snoauullaoslyq Bons uo mud aq of Isamu!! saiinbai mini alquoilddy io 2ulllxm ut apetu si luatuaa15u uu ssaiul .palaiduzoo st vom agl su smarm/Cud ssadoad jo sus u ut Jo luatuasingslp al2uis u ut uoiluiolsa1 puu s.nudai alp .io3 /Ced /Cum .iapuari •/Clldtuoid uavuapun aq pugs uolloadsui qons lugs papinoad `uou0eJspus s,.1apua 1 of paiaidwoo uaaq suq 3pom am ainsua 01 /Cl.zadoid gons racism 01 Suunuoddo uu pug suq .1apual Iuun spaao0.zd snoauullaosm qons ping o1 1g2!1 0111 anug hugs .zapua7 `pouad uotlutolsat puu .nodal Bons Suun •pauassal 1ou st /ipunoas s,iapua'1 puu aigisuak /ipuoctuouooa st .tludai zo uouu.zolsal am It `/ivadozd 011 3o nudaj .to uouu101S0.1 01 palldde aq hugs spaa00Id snoauupaosm lions `pa3up s1. /S1.zdord 0 111 3I •.lapual 01 mud aq purls puu o1 pau2rssu /Cgatag aau spaaowd snoauupaosiyAI IIV •aanllaJaod :spaa3oad snoaue11aasry\l 30 ;uatuu2ISSd '1T a10j\I alp uI paptnoid 0111.1 agl 111 Isa.malul /Cud 01 uopatigo s,aamoi-1og spa33u OT u sup 111 2utgp0N e'I aiquo►Iddy Xq paambaa si uotleuluual !pun Jo uotluuluuap gons 10J utpino.zd .tapua'1 puu .tamonog uaamlaq luatuaa12u Ualltim /(1111 g1lm aouup1000u ut spua aouuznsul a$u2l10IAI J0J luautazlnbai s,Japua-i !pun 'antasaz ssoi alqupunjoi -uou a apinozd 01 Jo `loann° 111 aouuinsul a$u11oyq ulelu1uuz 01 pa.zmbaJ stunuuatd 0111 /Cud slugs SOMOIIog `aouu.znsui a2u211oi .zoj sum agl pIumol swam/Cud paluuglsap /ilaimudas wluw o1 pout sum Iamonog puu uuol 0111 211)111. Jo uompuoo u su a0uutnsul aRe2poyil pannba.z iapua7 31 •aouunsul aSalioyyi Joj sulnluzatd ag1 p1um01 smatmCud palua1sap dlalmudas sour-lbw aapual puu `paululgo st `aiqullunu samooaq Luau aapuarl ,ig pap0aias lainsui ue liq papinold (sannba.z .zapua' 1eg1 pouad 0111 .1o3 puu lunoure 0111 uI) au13n00 aoue.Jnsui a2altoy\I J! swam/Cud OAIOsaI ssol oiinbal 1auol ou uuo 1apual •an-tasat ssol 'pus uo auluzua 10 Isatalut /iuu 10M011og /Cud o1 paalnbal aq you Bugs aapuarl puu `Ilr►3 111 mud /Cialuutpin s! uuo-1 am 111p1 loin utpuulsgpimlou `alqupunjal -uou aq hugs amasa7 ssol gons •00umnsul agu2luoIN Jo nazi 111 anJasaI ssol aigepunla.i -uou u se sluam/Cud asagl mula.z puu asn `1daoou !pm zapua7 •10aJJa ui aq 01 pasua0 au.1anoo aoumnsut 0111 uagm anp azam Imp spuam/Cud paluOlsap /ilaluaedas ag13o limouzu ag1 1011U07 01 /Cud 01 anulluoo hugs aamonog `alqullunu 1ou Si 0 1110no0 aouu.rnsui a$a11oy■I lualuntnba Xllelpuulsgns 31 •1apual Xq paloaias damsui aMuoul 01u11101111 1111 luau 'paw 111 /iisnolna1d aouuansui auguoyAI am Jo Jamollog 01 lsoo am 01 lualunmba /ipuuuulsgns Ism u 111 `1oa33a 111 )(isnotnaad aOuuansui a2u2lio I am 01 luaiunmba /ipu11uuisgns auzan0o mum 01 pa.11nbaz stunauaad 0111 /Cud pugs Iamonog `aouuznsui augl.0JAI 10J sumiuzaid 0141 plumop swam/Cud paluualsap /iiale.redas 031utu 01 paunbai sum 10M0Jlog puu aotreinsul tons papinold /iisnolna1d 1uti1 Jamsul 02altout 0111 luau alquirenu aq 01 soma .iapuo j Xq pannbaa a mano0 aou1Sllsui 021V11oyN 0141 `uosea1 /Sue 10J `31 •1oaJ ;a u1. aouuznsui 0 11 11oyN 0111 u!ululutu 01 paunba.l sumuuaad 0141 /iud hugs Jamonog `uuo7 0111 Sutalum Jo uotllpuo0 u su aouuursui a$alloyv paambaa 1apua' 31 •aaueansuj aualaoy%I 'OI •iu!IIm ui 10 10W alp 01 saaagu Iapua-i ssalun Amur 1ou slugs a11j1 aa3 0141 puu plogasuai 0111 `/il.zado1d ag1 01 01 aa; sa.11nbou .Iamo.uog 31 •asual am Jo suotslno.ld 0141 11 g1IM /fiduio0 Bugs Jamouog `plogasual u uo st luatutulsul /ilunoaS sup JI 1uauz/iu d 2utlsanbaz .Iamoi.zog 01 .tapua'i tu0.1J aollou uodn Isamu!! gons gltm 'Ng/Cud aq hugs puu puatuasingsrp Jo amp 0141 uzog 01111 010N alp 111 Isamu!! mg pugs slunotuu asp!!! •luaunulsui Sumoas sup Xq pampas .lamo.uog Jo lgap luuou►ppe atuooaq hugs 6 uoll3as sup Japun Iapual /Cq pasingsip slunoutu /Cuy •6 uoil3as sup .1apun pazuoglnu suoilou Ise 10 /1U11 1ou 10J /i1►Iiqu►I ou &moul IapuaJ 11141 11001 11 st 11 •os op 01 uolpallgo Jo /ilnp /Cue .zapun 1ou s! puu OS op 01 anug lou saop 1apual `6 uopoas sup 1apun uotl3u 0x111 /Cute .zapual Onoglly alp .10 uo pauml samlln anug puu `suoutpuoo sno.la3uup 10 suoiluloin apo0 Jaglo .10 .urplmq aluunulla `sadid mom .lalum mull) `smopulm puu stoop do pauoq .Jo 00u1da.z s3Iool aauugo `suuda1 oval 01 /C11adoid aq1 fupalua `01 palm!!! 1ou si lnq `sapniou! /C1.1ado1d 0141 2uunoas •5uipaaooid /C01dn.13Iuuq u ui uomsod pa.moas s1► 2 mpniou► `1uau1rulsul /Clun3as sup 1apun sitO!J .to /puu /C1JadoJd 0141 ut 150101111 s11 1oalo1d 01 saaJ ,s/Cauzollu whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this OOAP -100 6A(WY) (9905).01 Page 9 of 15 Initials: 792 0101729887 Form 3051 3/99 66/E LSOE WJO3 9 lo OL e6ed L886ZLTOTO :S 8111U1 L0'19066) (AM)V9- eflP OOT alggo1lddy glIM slottluoo aloN aq1 10 Juaunllsul ,Cl sill Jo asnelo 10 uoisinoid ,Cue imp Juana agl 111 •1ouluoo ,Sq luatuaa.i2u lsuiege uopigigold se panllsuoo aq Jou pugs aouaps ions lug `luaus aq 1qPw li Jo 1oe.nuoo riq aaagu of saprd ail moue ,ipiotldwi 10 Siit nidxa 1g5!tu MEI algeoliddy •Me~1 aiquo1lddy Jo Suo1uliuil pug sluauannba1 ,Cue of loafgns ale luawnzlsui ,Cl slgl ui pauieluoo suou qqo Pug s1 Ily palgool si ,ilzadold agl golq' ui uotloipsunf am Jo mu! ail puu mu! Imam ,Cq patuano2 aq Hugs luaunllsul ,il sun •uonanilsuoD 3o saint; :,C1iligeaanas :m>3g 2u!ulanoD •9I •111awnllsul ,iliznoas sigl lapun luauannbal 2uipuodsalioo ail lijspus !pm luauiannbaz met alquollddy ail `Me'1 algeoilddy Japan pannbai osle si luauiruisui Animas sigl ,Cq pannbal aopou ,iug 3I •lapuarl sq paniaoa1 Aput lou !pun Japual 01 uanig wag anuq 01 pump aq Jou hugs luaun11su1 ,Clunoas sigl grim uopoauuoo ui aopou ,iUy •1aMO11og 01 aopou ,iq ssaippe 1ag10ue paleaisap sal lapUj ssalun uialaq pawls ssalppe s,1apua-1 0l pm sop log ,fq 1! $uilieuz Aq Jo 11 uiJanclap ,iq uantg aq Hugs lapua'I 01 aopou ,illy gimp am ,Cue 10 1Uaufhlsul ,ilimoas sigl Japan ssa1ppe aopou pawu2isap auo ,iIUO aq Amu alagj •alnpaoold papioads logl g2noig1 ssalppe 3o amp a 1Joda1 Slto hugs JamolOg Uag1 `ssalppe 3o auoip S,1am011og VutliodaJ 103 Oinpaoozd o sapioads 1apUarl 31 •ssalppe Jo aguugo s,1aMOJ1og Jo Japua'1 ,C3pou Xpdwoid pugs JOMOJJOg •Japuai 01 aopou ,iq ssalppo aopou alnlpsgns o pawugisap sag JOMOJJOH ssalun ssalppy ,illadold am aq hugs ssalppe aopou aqy •asimlaglo sannbal Slssaidxa MEI alQeotiddy ssalun s1am011og IIe 01 aopou alnlpsuoo hugs 1am0.uog am ,Ctm 01 ao �1oN •sUeaiu latpo ,iq was J! ssalppe aopou s,lamm10g 01 patanlap ,Cllenloe uagM 10 ITOU sop mg sq palioU uagM JOM011Og 01 Uan0 wag ant! 01 pawaap aq dens 1uau1n11su1 Animas sup g1iM uopoauuoo ui JaMO11og 01 ao!10U ,illy •2upUM ui aq lsnw luaum11su1 ,Clangs sigl g1tM uopoauuoo ut lapua-I 10 1aM0l10g ,iq uantg saop0U IIy •saatioN •SI •alegolano ions Jo lno 2u!sue aneq lggi U 1aMO11og uoilou Jo 1qp1 Aug Jo JanieM e alnlpsuoo !pm 1amo11og o1 1uau,ied foanp iq apow punjal ions ,itm 3o aoueldaooe s,laMO11og (a10N aq1 Japan .10J paptnold si agmgo luaux odaid e 1011 Jo 1aglagM) aglego luatu,iedaJd ,Cue 1not11im luauigdald 1ei110d a se pa1ea11 aq !pm uoponpal agl lediouud Saonpal punJaI e 41 •laM0110H 01 1Uaw,Cud loanp u Vuplgw ,iq 10 aloN ail Japan pamo lediouud agl guionpal iq puma' sill 0510111 01 aso0 ,Coin Japuarl •1aM011og 01 papunjaz aq !pm shut! pa111U11ad papaaoxa goplM 1aMOfog mop pa1oa11oo ,ipgalle stuns Auu (q) pug `1iu! pa11iw1ad alp 01 aalego agl aonpaJ 01 ,iUESSOOM lunotuu am ,iq paonpal aq Bugs Amp ueo! ions ,Cue (e) :uag1 `sliwil pall1UUad alp paaoxa uuori alp g1TM uopoauuoo 111 pa1oa11oo aq 01 JO paloalioo salego ueol laglo 10 Isamu!! at11 10g1 OS pala1dlalui ,(heap si Mel legl !mu 'saalego 11eo1 wnuixeu slas goigM M01 e 01 loafgns si uvol am Ji •marl algeogddy ,iq 10 luatun11su1 ,(tunas 5141 Aq pallgtgold ,Clssaldxa ale wq1 sag; alego 1ou ,into lapua-1 •aaJ ions Jo guig1ogo aq1 uo uoiligigoJd e se panJlsuoo aq 1011 hugs lamo1log Of aa4 opioads e aliogo 01 luaum11su1 i 1ilnoas sup u! ,Cluoglne ssazdxa 3o aouasge alp `saaj Jag10 Sue 01 p1e$a1 ul •saa3 Uopenien pu0 uopoadsui iif1adold `saa3 ,s,CaUJOIw `01 pafiwiI 1ou 1nq `guipnloui `luawn11su1 ,Clangs stgl lapun slggu pug A11ad0Jd am in Isamu!! s,lapual ui1oa101d 3o asodlnd aq1 Jo3 `11nejap s,1aMo1JOg g1tM uopoauuoo ui paulojlad SOO1A.J S J04 Saab 13m01JOg 021ei3 ,Cgu lapuaJ •saaleg3 ueorj •bi •lapua-1 Jo su2!sse pug siossaoons agl 1pauaq pull (OZ uotloas ui papinozd so idaoxa) puiq Clogs 1uau1n11sul ,Clangs sigl Jo sluawaalge pull slueuanoo aqZ •gupi1M 111 amp.' lions 01 saa120 Japuari ssalun luaunl1sul ,ililnoas stgl Japan Xliiigeli pull suope2ilgo s,1aMOJJOg won pasealai aq IOU pegs 1aMO11og •luawfJlsUJ Xlpnoas sill Japan slpauaq pug s1g511 S,JOMOJ10g ;O i10 uiolgo hugs `lapual ,iq panoldde Si pug `2uili1M ui luatutulsul Animas sill Japan suopegTJQo s,lamollog sawnsso ogM 1am011og ;o lsalalul 111 lossaoons Suu `S1 uopoas Jo suots!nold am 01 loaf •1Uasuoo S,1au9is -oo aq1 lnogliM a1oN am 10 1uau1lulsul ,Clangs sigl ;o sw1a1 aq1 01 maw g11m suopepouw000e ,Cue miutu 10 1eag1O4 `,i4ipow `pualxa 01 aa15u Imo 1aMO11og 1ag10 A tm pu0 lapual 10q1 saaJ20 (o) pu0 `luawnJlsul Animas sill Sq palnoas suns ail ,Cod 01 palailgo XpEuosiad 10u si (q) `luawtulsul ,Clangs sup Jo swim ail Japan ,Cuadold aq1 u! 1sa1a1U! s,lauts -oo aq1 ,ianuoo pue 1ue12 `a�0 iJOU o1 /quo luawn11su1 IClunoas OOAP -100 Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in. the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this ,Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA 6A(WY) 199051.01 Page 11 of 15 7 9 0101729887 Form 3051 3/99 66/£ L9OE W 02siewui 5L to Z L abed 10'150661 (AM)V9- L886ZLTOTO 00T -dV00 •dnuualD Iuluauxuonnug ue 10J zapuag uo uopOtigo /iue mato hugs utalaq 2utgloN •meg Iufuautuoltnug tlllm aOtepzo33e ut suotlou !miaow.' /Cxussaaau IIe a3Iu1 rilldtuoid hugs lamozxog `riiessaoau st rilladold alp iipaaJJu aouulsgns snopluzuH /feu Jo uoputpauta1 latpo 10 lenou101 /iue Imp `Sued alunud /feu x0 `riluoglne /Czoluin2ax JO Ieluatutuano2 rCuu ,Cq paguou st JO 'sum! iamoiiog 3i •/Cuado1d alp Jo anion aql s13aJJu /Siasxanpu gottim a3uulsgns snopluznH E 3o asuolax .to asn `aauasaid am Aq pasnuo uotnpuo3 /Cue (a) puu `aau sgns snopxez1H tine Jo amp.' Jo feaxgl 10 asuaiai `aatugosip lutiiids '/iuu `o1 pantuij iou inq 2utpnput `uotnpuoD iuluautuolinug Suu (q) `apaimou)I iumou sug 1aMO1JOH gotgm Jo meg IeluatuuOltnug 10 aouelsgns snop1uzuH /Cue pue /illado1d ajl Vutnionut need alunud JO rCouagu ritoluinVai JO Iuluauiuzano2 tine riq uopou .taglo .to linsmul `puutuap `tutui3 `uotlailsanut ACuu (u) J0 0otuou 1101141M xapuag ants /ijldtuoxd hugs lamoxzog •(slanpoid .tauinsuoo ut saouelsgns snop1eznq `01 paltuni lou lnq `gutpniout) /Cl1adoxd aj1 Jo aoueualututu 01 puu sasn Iutluaptsau lutuuou 01 aluudoxddu aq of paztu800a.i riiiuzaua5 axn imp saauulsgns snopzuz1H 3o sat Hums 3o rClladold 0141 uo aulols 10 `asn `aouasazd aq1 of /ildde lot pugs saauaivas oml 2utpaoald and, •rivadoxd alp Jo amen agl sloaJ3u iciaslanpe 1u11 uotlipuo3 u saleax3 `aouulsgns snoplzzeH u Jo amp.' .10 `asn `a3uasaxd alp of anp `gaigm (o) x0 `uotlipuoJ Iuluatuuolinug uu sal-eon gatgm (q) `mug leluatuuolinug ,iue Jo u0t1e10in ut st 1uJ1 (u) /Clxadold 3t 1 $utioa3Ju 5utj1/itte 'op 01 asia auoriuu moiiu zoo `op 1ou hugs xam0110H /CUado1d 0141 ut .to uo `saattelsgns snoptezuH iiuu amp.' 01 ualealgl 10 `saouulsgns snoplez1H Aug Jo amp.' .io `aSulols `iusodsip `asn `aouasaxd agl ltuu0d 10 asnu3 lot hugs zamo.z.tog •dnuuaij iuluatuuo1inu uu 1a25u1 astmxaglo .to `of alnqufuoo `asnuo uua 1E41 uotlipuon u stream „uoptpuoj ieluauzuonnug„ uu (p) puu :mug Ieluatuu0linug ut pautjap su `uotloe Iunotua.1 so `wpm Ierpatual `uollou asuodsai /iue sapniout „dnuuaij iultatuuolinug„ (a) `uotlo01o1d ieluatuuo.nnua 10 SINES `twat! 01 31E 1 1e1 paluool st /Cuadoxd ant azagm uonotpsunf ant Jo smei pee smut Iexapa; sueatu „mug iuluatuuoatnug„ (q) :siuualetu annouotpu1 puu `ap/igaplutu.Oj xo solsagsu 2ututeluoo slutlaluut `sluanios aitleion `sapt3iglaq pun sapt3usad 3!x01 `slonpozd tunaiollad 3ixol .10 aiqututueg. laglo `auasola)I `autiosa :sa3uelsgns 2utmoljoJ ajl puu mu-1 ieluatuuonnug /iq salsem xo `slurniiod `sa3uelsgns snoplezug JO 31x01 se paugap saauulsgns asogl axe „sa3uulsgns snopruzuH„ (e) :1Z uopaas sup ut pasn sy •sa3uelsgns snopJuzuH 'TZ 'OZ uou3as mil Jo suotsinoxd uotloe OAI1001103 /iltunuoddo pue aapou ag1 rijs1Ws 01 patuaap aq pugs g i uotl3as o1 luens1nd 1amo11og of uant5' u0tlu1aIOooe Jo a3110u aril puu ZZ uo!loOS o1 luensxnd zamozzog o1 uant2 aim o1 riltunl1oddo pun uotluxaia33u Jo a3ilou agZ •gdu1Sulud sup 3o sasod.ind xo3 aiguuosuax aq 01 patuaap ag !pm pouad amp lugs `uaaiul aq ueo uotl3u uiu11a3 axopaq asduia ismnu g3igm pouad amp u sapinozd mug aiqu3i1ddy ;I •uotloe anilmaxxo3 a51u1 01 a3ilou gins JO 5ut4 0141 za13u pouad aiquuosuai u olong /iued xaglo aq1 pap10JJ puu ti3ua1q paaiiu gnus Jo (s i uopoas Jo sluaunazinbaz alp glim a3uutiduio3 ut .uant2 a3110u Bons glim) /!lied 1atpo 0141 paiJnou on lapuag xo 10m0110g gins 'pun luatutulsul 1un3as sup `Jo 110seal riq pamo /C1np tine 10 `Jo uotstnold /Cue pagauazq suq tined laglo 0141 1ug1 safallu 1utp 10 luatunzlsul Animas sup 01 lunnsand suop3u s,ril1ud xaglo 0141 tuo13 sasue imp (scup u J0 lagnuatu ag1 10 1udtltl Iunpintput ttu 1atina su) uotloe mown(' ,iuu o1 pautof aq 10 `utof 'amain /Cunt Iapuag xou 1amo11og 1agltaN •zasugoznd a10N all /iq paptnold astmlaglo ssaiun lasug3xnd aloN 0 I1 /Cq patunssu 10U aju puu za3tnlas uuog 1ossa33ns u o1 palzaJsuu11 aq 10 133in13S uu01 aq1 141tm uiunu01 !pm 1amo11og o1 suouu2igo 2upin1as uu0i 0E2110U1 3141 `010N 0141 JO laseg3lnd 0141 ueg1 101410 103TAIOS ueog u /Cq pool /0as st tuog alp 101Jna10141 put !Nos Si aloN 0141 3i •'u1o1n1as 10 xaJsuu1I Jo aotlou n glim UO113O11UO3 ui s01inb01 Witnesses: 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. 6A(WY) (9905).01 Page 14 of 15 796 Olin G. Draney (Seal) Borrower Laura Draney Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower OOAP 100 0101729887 Form 3051 3/99 66 /E 650E WADI L886ZLTOTO 9 l Io L abed 1.0 19066) (AM)t19 OOT (WOO •2uuuoAM jo smui uoiadutaxa pualsauzoq alp JO anlnn Aq pus .iapun slg2ta tie sanigm puu sasuaiaa aamO.t.JOg •saanleM 'bZ •mul alquollddd aapun pauiuuad sI aaj aq1 jo Eul2Isgo aql pug pai pua.i sows ao; klJud !Amp u of pied si aaj ag13i `luauzniisui IIJnoaS stgl 2u!suaia.t .ioj aaj s aamo.tzog amp Amu aapua7 slsoo uoilupiooa.i Auu ,cud hugs .taMoiiog •luatunalsui Alunoas sigl asualai pugs .iapua luauin.ilsui ,i1tinaas slgl Aq paznoas sums iig jo luatuSud uodn •asgaia2I '£Z o; pailijua suosiad ao uosaad au; o; ssaaxa Sur (a) pue :;uauina ;sul ,f;Ianaas spy Sq paanaas sums IIe o; (q) :saaJ ,s,fauaofe aigeuoseaa 'o; pa;uull ;ou ;nq '8ulpnpul 'airs aq; jo sasuadxa IIe of (u) :aapao NuinnolloJ aq; ui pai dde aq Hugs ales atl; 3o spaaaoad aq j, .ales ,fug ;e ,f;aadoad ag; asmiaand Sum aatAisap s ;i ao aapuai me-i aigeatiddv £q pagiaasaad aauueui aq; uI pios aq Hugs A ;aadoad aq; pue 'ales jo aal;ou agl gsilgnd Ilegs aapua7 •Sj uoipas ui papinoad aauueui aq; uI aamoaaog o; ales aq; Jo aal;ou ani pegs aapua7 •mei aigeaiiddv g ;inn aauepaoaae uI ';uaaa33ip 31 'Aiaadoad ag; jo uoissassod uI uosaad aq; o; pug aamoaaog 0; asopaaoJ o; ;ua ;ui jo aai;ou ani3 hogs aapua7 'ales jo aamod aql sa}ionul aapuari 3I •aauapina ai ;p jo s ;soa pug saaj ,s,fauao; ;e aigeuoseaa 'ol pa;Iuzii ;ou ;nq '2uipnpui 'ZZ uoi ;aas situ uI papinoad saipauiaa ag; 2uinsand ut paaanaul sasuadxa i[e ;aalloa o; pai ;I;ua aq Hugs aapua-I Mwf aiquaiiddy fq pa ;;tuuad saipaumaa aag ;o Sue pue aies jo aamod aq; avant!! Seui pug pueuiap aaq;anj ;nogliM ;uatuna ;sul S ;Ianaas spy &q paanaas sums III 3o iinj uI ;uatuSed aleipautun aainbaa Suui uoildo sli ;e aapua' 'aailou agl ter paupads a ;ep aq; aaojaq ao uo paana ;ou sI ;Inejap aq; 3I •aies puu uoi;eaaiaaae o; aa■oaaog Jo asuapap _taw ,fug ao ;inejap e Jo aaua;sixa -uou ati; ;aassu o; uoilau lanoa a 2upq o; ;ii3ia aq; pue uoi;eaapaae as ;,ie aleisuiaa aql 3o aamoaaog uiaoJul aaq;an3 hugs aal;ou agi, •Spadoad agl 3o it pug ;uatuna;sul ,f;ianaas siq; ,fq paanaas sums aq; 3o uoileaaiaaau uI iinsaa Sum aal ;ou aril uI pai31aads a;op ag; aaojaq ao uo ;inepap aq; aana 0; aaniiei ;uq; (p) pue !paana aq ;Run ingiap aq; galgM Aq 'aamoaaog o; uaniN st aailou aq; amp aql utoaj sup 0£ ueq; ssai ;ou 'amp u (a) :linupap aq; in o; paambaa uollae agl (q) :llntpap aql (u) :Sjiaads Hugs aai;ou aq,I •(asimaaq ;o sapinoad me7 aiquaiiddy ssaiun g; uoilaas aapun uolleaaiaaae o; aoiad ;ou ;nq) ;uautna;sui A;Ianaas situ uI luatuaaiSu ao ;ueuanoa Suu 3o gaeaaq s,aaMOaaog iu!MOlioj uol;eaaiaaae 04 ao)ad .iamoaaog 0) aallou an1N hugs aapuai •saipatua71 :uo ileaaiaami 'ZZ :smoiloj su aa.zfu pug luguanoo saglin; Japul pug zaMOIJOg S.LI\pvt\laAOp Y�i2I03II�If1 NOM L 6 1, STATE OF WYOMING, Lincoln The foregoing instrument was acknowledged before me this 10th day of November, 2000 by Olin G. Draney and Laura Draney My Commission Expires: February 2, 2002 OOAP -100 CID 6A(WY) (9905).01 Notary Public Page 15 of 15 798 County ss: SMELLEY SANDAL NOTARY PUBLIC County of *We Wort 2 0101729887 Form 3051 3/99 L886ZLt0I0 661. 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Orin G. Draney Borrower Laura Draney Borrower H0112 BALLOON RIDER MULTI STATE Borrower Borrower Borrower Page 2 of 2 800 Borrower Borrower Borrower 0101729887