Loading...
HomeMy WebLinkAbout86983102014016 Return To: OLD KENT MORTGAGE COMPANY ATTN: FINAL DOCUMENTATION P.O. BOX 204 GRAND RAPIDS, MI 49502 -0476 Prepared By: OLD KENT MORTGAGE COMPANY 7310 NORTH 16TH STREET SUITE 300 PHOENIX, AZ 85020 -5256 Loan No. 35271538 [1949514] [Space Above This Line For Recording Data] DEFINITIONS VMP MORTGAGE FORMS (800)521 -7291 106a01wy.0899 Recorded .,...lr at irA In Book P a a cS 8 Kemmerer, WY No. (71Ze MORTGAGE MIN 1000142 1014007515 -8 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated November 10th, 2000 together with all Riders to this document. (B) "Borrower" is SONDRA GILBERT AND PAUL GILBERT, WIFE AND HUSBAND 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. WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT WITH MERS Form 3051 3/99 (,1 ®6A(WY) (9905) Page 1 of 15 Initials: 11 Jeanne Wagner, Clerk 1 II II ui 1,y44 66/£ LSO£ wiod [i'L961'6L1 8ES LLZ9 608 'VdS32I lapun „ueor a2u2uotu pa1111a1 ,flleaapaj„ 11 se l(jlmnb lou saop ueo-i a lJi uana „uuo[ a2u3uoul pomp.' Aileiapa3 u'ol p1uga1 ul pasodutl 0111 lull suopoulsal pug sivauualtnbal lie o1 sraja1 ddS3L `luauransui Xij noas sup ul pasn sy 'Jamul loafgns acres all stuanoa letp uollun5al 10 uoueisl201 iossaoons so p uoptppu ,fue 10 `aut 01 atull tuogg papuaute aq ,cart su `(00S£ ued '2I'd'O tZ) X uoilein2a11 `uotluln5al 2upuauraidtul sll pug (•bas la I09Z uopoaS 'O'S 11 ZI) 13y salnpaoold mammas alelsg luau aril sueauz „VdSan„ (d) •luatunllsui JClunoaS sup jo uopoaS .tapun slunoure Auu (z) snld `aloN aqi lapun 1salalut pug ludlouud (I) .to3 anp immure painparps Allurn;ia1 aril suuaru „luatu(ud olpolaad„ (0) •ueo1 aril `uo linejap 10 `jo luauuACduou ag1 lsupau aapua-1 Bulloaload aotrelnsul strum „aauuansul a; n2prom, (M) •Avado.rd a11 3o uolltpuoo .ro/pue amen aril 4 o1 su suoissluro 10 `3o suoneluasa.rdaistur (Al) 10 uolleuutapuoo 3o Hall ut aouuSanuoo (ill) `,cuadold aril jo Ind Cue so HE jo 5ulaiel lallo 10 uo1 uurapuoo (u) `filmdom aq1 `jo uouonilsap 10 '01 a511tuep (t) roj (S uopoaS ul paquosap sa5ulanoo all lapun pled spaaoold aouurnsui 1111111 raw) Alnd p11g1 Auu 'iq mud spaaoold so `sa3eurzp jo premu `luauraplas `uojlesuaduroo i uu swam „spaaaoad snoauuliaasm„ (isi) uopoaS ul paquosap an Imp stuall asog1 uuaur „swan moans[„ (-1) •slaJsu1111 asnoq;Iul.rgap paletuolne pue `srajsue.zl altm `auogdaial Aq palzplul s1ajsuurl `suopoEsu1111 aulgogur aaiial pal11tuolne `slaJsu1111 ales jo -lulod `01 paquq! iou sl lnq `sapnioul mai lions •lun000g uE 1lpalo 10 map 01 uollnitlsut Izlougug a azlloglnu 10 `rortllsul `1ap10 01 se os adul onau211ut 10 `lalnduroo luautnllsul oluogdaial `I11utuual otu011oaia ue g2nolgl pa1Rlllul sl gotlm `luauInllsul laded letlutts 10 `ijiup `raw i(q paluut uo uotlousuell a uugl 1ag10 `spun] jo 1aJsue11 ,ice su11aut „aalsuuay spund aluoalaala„ (1) •uopezlu112lo lellugs 10 uopetoossu slaumoaurog `uojleloosse utntutuuopuoo u Aq Alladold all 10 1amo11og uo pasodurl 0111 11141 sa2l11go raw puu sluatussassu `saaj `soup nu swam „sluautssassv pun sand 'sang uollupossy ,fllunututo0„ (p) •suorurdo Iglolpnf aiquivadde -uou `mutt aigeolidde Ire su Ham st (mu! jo 1oa3ja all 0A11ri lull) &raplo pue saint anp1111sluttupe pug saoueulplo `suop11rn;ial `salmis moor pue arms `mlapaj arg11ogdd11 gulrrolluoo rte suuatu tw aiqualuldy„ (I) [loads] (s)10111O 1apl)l Altu11I f7 ram moll puooaS ram luaurICed Appamlg ram luaurdoianaQ ltun pauu11rd ram tuna turopuo0 [argeolldde su xoq vow] 1amo11og palnoaxa aq of ale slapu 2 ulmorio3 0141 •1amo11og ,Cq palnoaxa 0111 11111 luatunllsul A1llnoaS slip 01 slam.' Hu swam „slaplu„ (H) 'Isamu! old `luaumllsui AllmonS slut lapun anp stuns 1m pug `aloN aq1 lapun anp sal11go 01111 pue saalego luautAudald Au11 `150101u! said `aloft 0141 Aq paouapina lgap aril strum „uno'„ (f)) all ut sulk' ;o 1ajsuur i,„ 2ulpeaq all lapun moiaq paquosap sl lull Auadold all su11atu Spadoad„ (d) 0 £0 Z T aequtaoea ueri1 ran! 1ou rrn3 ul lgap al1 1i11d o1 puu s1uaurA11d olpouad 111in5a1 ul lgap slut ,cud o1 paslurold sgri 1amo11og •1saJa1ul surd 00 6ST 'S'n) s111IIOQ 00T/ON Puv az2IatzllH xnoa amvsnoHS unoa-xxaia =HamH sNO lapua'l samo 1amo11og 11111 salgls aloN 0141 000 Z 'OT aequ:anoH pomp pug 1amo11og ,iq pawls alou Arossturold 0141 511110tu „aloN„ (a) OZ0S8 ZY 'XIN OHd ooE axins k YDIHOIW AO 9 L (o Z seed 6680' (9066) (AM)V9 VA ram uooii11g ram a111u aigelsnfpd 1 12211SS H19T HJ11ON ()TEL Si ssalppu s,lapua1 a,LVss aim, Jo smel agl lapun 5uuslxa pug paztuaro NOI,EVIIOd2IOD NYDIHOIDI g sl lapual xxvawoo aovosxow max azo sl „aapua -I„ (a) »`1 (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: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) 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 23 OF NORDIC RANCHES DIVISION NO. 3, LINCOLN COUNTY, WYOMING, ACCORDING TO THAT PLAT FILED APRIL 6, 1993 AS PLAT NO. 311 -B. Parcel ID Number: 36192640018700 which currently has the address of 269 SADDLE DRIVE [Street] ETNA [City] Wyoming 83118- [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. ©6A(WY) (sso5) 106a03wy.0899 Page 3 of 15 Initials 5271538 [1949514] Form 3051 3/99 66/E LS0£ WJOd ItV156t76L) 8ESLLZSS T T f3 'emu! 91. 10 q abed 6680'AMt'0E90I 19066) slunour aril `aigzhd azalm pue uagm `,Clfaattp Ad !pets zamortog 'lament tons jo fuana aql ul lutlum ui aq ,C1uo ,cum taniem tons Auy •attp X11 le small motosg Ue .to Aug toj spund tapual 01 iced o1 uotle311go s,zamotzog antem demo tapuaj small mama IF to he zoj spund agt rigid of uoile2tigo s,tamortog saniem zapua-1 ssaiun small mot0sg toj spund am zapun' ,led tiers tamouog •uoiloas sup zapun pied aq 01 slunome jo saotfou tie tapua-1 of tsitunj ,i1pdtozd tiers zamotzog •tali mozosg ue aq begs sluamssasse pue saaj. 'soup tons pug `zamo.uog pamozasa aq `Cue 3i `sivatssassy pug sand `sang uouepossy Aliunttop furl azinbaz ,Cum tapual `ugoZ ag1 jo uuai ag1 guunp arms ,Ctre 1g JO uotleuiSu0 fy „•stualI m0zosg„ palleo am small asatL •pl uoifoas ;o suo!sinozd all gltm aouep000e ui smntmatd aouetnsul aVeguoj, jo luau d atp jo nail ui zapua-1 0l tamouog ,(q alge,ced stns ,iue to `,Cue 3i `stnitazd aougznsul ae51.1oj j (p) pue !g uouoas zapun zapua-I ,(q paztnbat aougznsui Hu pug ,Cur toj scut (o) !he ft `Auadozd aqp uo sluaz punoa zo sivaux d piogaseai (q) `Xlzadozd am uo ao1 1gtnoua JO uati u su luamnzpsul /clumps slut JOAO X1u0ud utellg ugo goigm stuns! zagp0 pue sluamssasse pue saxes (e) :zoj anp slunoutg jo fuaui d zo; aptnozd o1 „spund„ aqp) tuns a `!!n3 ut pied s! a20N aql !pun 'aloN agp zapun anp ate sluatu,Ced otpouad hp all uo zapun' 01 ,(ud dugs zamozzog •stuall MOaasa aO3 spung •sluat,(ed otpouad all Jo lunotue all a3ueg3 to 'amp anp all auodlsod to puma mu HIS 01ON all zapun anp Iud!outzd o1 spaaoozd snoauellaosq, JO `spaa0ozd aouuznsui `sluatuhd jo uotluoildde ,Cuy •aloN aqf u! paguosap sg uam pug sa2zego 1uam,igdatd ,(ug o1 paiiddg aq lugs sluat,tedazd ,ClelunI0A anp sate13 ale! he 02 patldde aq ht ssaoxa tans `sluam,iud otpouad atom z0 0110 JO fuat,iud !!n3 ail 01 palid& st luat,Cud am zapue slsixa ssaoxa lggi lualxa aqf oZ tin3 ut pied aq ueo luat,(gd toga `lugs lualxa ail 02 pug `It sluam,iud otpouad aq1 J0 1uat,Cgdat ail 01 tamort0g mozu pantaoaz luatuhd ,lug /ildde dim zapuai '2utpuelsfno Si luamifed otpouad auo um atom JI •aSzgg0 ape! at1 pug luauthd fuanbuilap aql 01 paildde aq ht luatuhd alp `anp amp alai 1(ed of lunoute luatoJJns sapnput goitm 1uat,ied otpouad fuanbutlap g 10j zam0tt0g toz3 1uat,ied a santaoat zapua7 3I •alofq all jo aoueteq pdtouu_ d aql aonpaz 01 uagf pue `fuamnzlsul ,Chinon$ sill zapun anp slunome zapzo ,tug 431 pumas `saSzego 01111 o1 lug pa!tdde aq slugs wino= 5uimgmaz Airy anp atugoaq 1! totem ut zapzo ail ut luauthd otpouad toga of pa!Idde aq !legs sluatuiCud tons uopoas zapun anp slunome (c) :aloN aqf zapun anp Igdtouud (z) `.aloN all zapun anp lsazalut :,(Iuoud jo zapzo 2uimo!!o3 alp u! patldde aq slugs Japuai pat[ddu pug pafdame sluauihd lie `z u0tloas stet u! paquasap as1mtatlo se Wang •spaaaoJJ ao sluauI,fgd jo uotleotiddy •z •luamntlsul Animas step Ai unmans sluamaaae pug sluguanoo ail ;Iuimzojzad 10 luamntlsul Animas sups pug aION agp zapun anp sluautiiud 5uptgm mozj J OMOttOg anatlaz sluts tapua-I 1smuag ninths am u! t0 Mou anet 11.13tt tam0zz0g gaigm ttup 10 1as330 ON •aznsopazoj of Loud ,Ctalgtpatutt aloN ail zapun a0ugtuq pdpuud 2uipuefsln0 alp 01 patidde aq !!!m spunj tons `tauten pagdde 1011 n •zamottog 01 tagf tunlaz JO spun; tons Aiddg taglla !lugs zapua-I `0111!1 jo pound algguoseaz u tlpim os op mu saop zam0110g JI •1uazmo tteo-I all uuq 04 (s)luathd smut JOMOJJOH [pun spunj pai[ddeun tons p[ol ,let zapun •spunj pat[dduun uo 19010111! Ad 1011 paau zapun an 'amp anp pa[npatos 91! 3o se patidde s! 1uam,ced otpouad toga 31 •papda00u azg smauthd tons amts alp 1e sluam,Cgd tons ,Ciddu 01 palattgo 1011 s! zapuag inq `aznitt3 alp u! spuatuhd lg!ued to (s)luam,iud tons asttJat 01 s1g2u s1! 01 aoipnfatd to zapunazaq su141 ,(um Jo zanlem lnoll!M `luazzn0 ueo-1 atll guuq 01 lua1133nsui (s)puat,igd lathed JO (s)luouJ ed AIM 1d000g hut Iapua'I •luatzno ugoi at11 $uuq 431 luapInnsui azg sluam,ted [ERIE(' JO (s)1u0m,cgd all (s)1uamhd muted 10 (s)luatuhd ,Cue tunlaz hut zapun' •SI u0i10as ut suoIstnozd a0tl0u atp spun aouept0001 u! zapua-I ,iq pafeu2Isap aq hut se 110!11100( 10410 tons 1E to aIoN alp ut pama!sap uofg0o! am le pania0az ualm zapua-I Cq panta0az pataap azg sluat,fed •zaJsug1Z spund 01uozloalg (p) JO ,!11U0 JO ',Cltluluatnzlsu! `X0ua u luzapa3 e ,Cq patnsut ate sltsodap asogm u01lnl1fsut ug uodn umgzp si Xoato ions ,lug paptnozd 'ratio s,zatlse0 10 313040 s,zatnseazl `r[0a10 Atteq `3130140 patJpzao (0) `zapzo ,cauout (q) '14se0 (e) :tapua7 ,ig pa1001as se `smzo3 2 utmo!!o3 arts 3o atom 10 QUO u! aputu aq luatntlsul ,cltzn0as sup pue aION ail zapun anp sluatu,(ed luanbasgns !!g to he 111tH aztnbaz huh tapua7 `pgdun zapua 01 pautnfat st luatnzlsul ,Cfun0as step 10 apoN alp zapun 1uam,Ced se zapua1 h panta0at luamtulsut tallo to 313013 ,lug It `J0AOMOH •,c0uazzn0 •s•n ui am' aq !legs luatntlsul Xlunoas stet pue aIoN all zapun anp spuatuhd u0if0as o1 puunsznd small mot0sg zol spunj ,cu oslg pegs tamottog •010N 041 zapun anp saazel0 am! pug sazg luatu,igdazd ,iuu pug a1oN alp ,(q pa0uaptna igap alp 'uo lsazalu[ pue `lo ledputzd at11 anp uatm ,(ed !legs zamo.uog •saagg3 ale' pug 'sanggD luaut,fedaJd 'su>0 ,uo.tosg 'lsataluI 'ledpupd Jo luaut,ted •1 :smo!!o3 se aat2e pug lueu0n00 tapuarl pug zamozzog •SINVNgAOD YARIOdINfl 0 -6A(WY) lsso5) ti 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 106a05wy.0899 Page 5 of 15 Initials! 312 35271538 [1949514] Form 3051 3/99 66 /E L90E tuJoj H496176LI SESL 9 L JO 9 eeed 6680'1C'90E901 No66) (AM)v9- Clp tmtM `anp uati iou zo aaglagm `ivautnzlsuj Amunoas situ Aq pampas stuns agi o1 papdde aq jjugs spaaoozd aouuunsui agi `pauassaj aq pjnom Aiunoas s,aapuaj .to ajgiseaj AljUOituouooa iou sT ziudaz JO u011EJOisaz aui 3I •zamouog jo uoui ijgo ajos aqi aq jjugs put spaaoozd aouEinsut atl jo ino pied aq iou Hulls aamoiiog Aq pautEiaz `sauwEd pnu1 zatpo z0 `szausnfpu oijgnd .ioj saad •spaaootd lions uo JO isaiaiuj Atue zamouog Aud of pannbaz aq iou Hugs zapuarj `spaaoozd aouuznsut Bons uo mud aq om 1sa.taiui sazinbat murj ajquoijddd JO SupUM Ut op= st ivatuaaaE uu ssajun •palajdtwoo st 31ioM atji sr sluatuAud ssai o.zd jo saj.tas E 11I JO 1uattAud al2uts E ut uoiiuioisaa put sziudaz alp Joj spaaoozd aszngstp ,Gout zapua7 •Apdtuozd uaNguapun aq huts uopoadsui tens iugm papptozd `uop0ujspus s,.tapua-j o1 palajdtuoo uaaq soli alzoM agi amsua o1 Auadozd tons 10adsui of Auunuoddo uu pug seq zapua juun spaaoozd aouu.tnsui tjons pjog 01 ig2U atji ant Hugs zapua7 `pouad u0tiuzolsaz put 1TUdaz tjons 2uimQ •pauassaj 1011 st Anm0as s,zapuaI put amsea3 AjjUOttUOUOOa sT zludaz zo uopuzoisaz au1 ji `Auadozd agi jo ziudaz JO uopuzolsaz o1 pa!Tddu aq bugs `zapua- Aq pazjnbaz sum aousznsui 2utApapun ago mu JO zaglagm `spaa0ozd aouuznsui Attu `3uT1i1M lit 00z5u °swMZatlo zam0zz0g pull zapua-j ssajun •z0M0LI0g Aq Apdtuozd alarm mu jt ssoi jo 3oozd WIEUU Attu zapuai •zapua-j pull zap=UO 03UEZnsUT alp o1 aopou ldutozd an!2 jjugs zaMOZZOg `ssoj JO 1110n0 agi Uj •aaAUd ssoi Iguoilippr ttu se zo/puE aaalzout se zapua7 aumu tints pae asnup aauotu pepuris E apnpui Hugs AOTjod tons `Auadozd ago `Jo uoTlonzlsap zo `01 autimp zo3 `zapua- Aq pazinbaz asimzatoo lot `aUZanoo aouuznsui jo uuoj /Cut sup iqo zamozzog jj •sa0pou Iumauaz put sutnTutazd pied jo sldiaoaz Ije zapU of ani2 Apdtuozd Hugs zaMOZZOg `sazinbaz zapua-j jj •samoupzao jumauaz p11U sapijod all !Nog 01 1112p ago OAEi Ants zapu caked ssoi juuopippu uu SE Jo /pull aa2u2ozout sU zapun auuuu Ijugs put `asnujo aVagotu pzupuris u apnpui Ijugs `sapijod lions anozddusip o1 1gffu s,zapua' o1 l0afgns aq jjugs sappod lions jo slEMauaz put zapuaj Aq pazjnbaz satOij0d aougznsui IId •muautAUd 2uiisanbaz zam011011 o1 zapuaq Uuozj aouou uodn `lsazamut Bans tpim `ajgeAud aq pegs put luatuaszngsip jo amp alp tuozj auo 010N aqi ill lsa'aiul zuaq hu smunotuu asagj •luattnuisuj Aiunoas Sup Aq paznoas la/ mama jo lgap juuoptppu aumoaq Ijugs S uopoas s!q1 zapun zapuai Aq paszngsip slunoum Auy •pauiulgo an1q pjnoo zaMOUGH lEti aougznsui jo lsoo agi Nana Alluuouta!s 1g2lut pautuigo os 22EZ0n0O aouuznsuT ago JO 1500 auI 1uu1 sa2pa]MOtnpu zamou0H •loajja lit Alsnoinazd SEM uuti 02EJOA00 zassaj .10 zauuaz2 apinozd itj2ttu put AiipgUil zo pzuzutj `ajsu Aug isuiau `Auadozd alp jo souamuoo agi JO 'Auadozd 01 11 uT Altnba s,z3m0110g `zamouog moalozd iou lt$Ttu JO 111211.11 mnq `zapua7 zanoo jjugs 05uzanoo tons `az03azagj •auzanoo JO IUnouIU z0 adA1 zujnopi d Attu aset0znd 01 uo1w ijgo ou zapun Si zapua-j •asuadxa s,zam0uog pull uopdo s,zapua7 ig `agU1 AO0 a0UEZnsui utulgo Arai zapua7 `anoqu paquosap saUZan00 0141 30 /Cur uiuiujutu Om sue; zaMOZZOg 3I •zaMOuog Aq uotooafgo tre wog &uiljnsaz uopuunuualap auoz poo13 Aug jo Matnaz agi t pat uop0auuoo 111 A0Ua2v ivatuagUUj j AOuaazautg JUZapad ago Aq pasoduut saaj Aug jo luauiAud ago zoj ajgisuodsaz aq osje jjUtjs zamouog •uoTluotjpza0 zo uopgutuuamap gins pane 1T2TUU Alquuosuaz toliM zn =OO saurgo zujiutjs zo autddgtuaz amp toga sazugo muanbasgns put saopuas uopuogivao put uopRUltttzalap auoz poojj zoj amp auto -auo 1 (Z) JO sa0Tntas 2upIouzo put uopEOtjivao `u0peuiuuamap auoz poo13 zoj amp atuu -auo a (j) :latjmpa `uuo-1 sign tlim uopoatuuoo ui 'AUd 01 zaMOJJOg azinbaz Arm zapua7 •Ajquuosuazun paspzaxa aq iou jjugs 1g2Tz tplgM `aologo s,zaMO1JOg anozdduslP 01 og$jz s,zapua1 01 loafgns zam0uog Aq uasot0 aq jjugs aouuznsut au1 5uipnozd zauzgo aouUinsu1 at,j •ugo7 alp ;o tuzal aq1 2uunp a$uut0 Imo s0ouamas 2ulpaoazd alp 01 iugnsznd sannbaz zapua-j 1UtTM •sazjnbaz zapuag 1Utm spouad call zoj pug (sjanaj ajgponpap 2uipnjoui) siunotug atu uT pau!U1uigtu aq ]jugs aougznsui stgj •aOUgznsui sannbaz zapua -I gojgt zoj `spoo13 pug savnbtuea `oi paiiunj mitt onq `5uipnput spzeZE1 zatllo Attu pull `auzano0 papualxa„ tuz01 at1 UT1ITM papnpu! spi zgq `011J ,Cq ssoi mu!ar paznsul Auadozd ago uo pamoala zaguazat JO 2upsixa Mou sluautanozdun atjl daa3j Hulls zamouog •aOueansuI Alaadoad 'S •treoZ st41 g21M uopoauuo0 ui zapua1 Aq pasn a0inzas 2utu0daz 1o/pue uoTigogpan x111 ammo mat u zoj amp aural -auo u Aud of aaMOUOg annbaz Arm zapuaI j7 uOpoas situ Ut anoqu g1zoj las suop0u alp jo wow JO 0110 a)jui JO 110II 0141 iJspus Hugs z0MOUOg 4 U0n12 si 0011011 1ut1 1.1301M 110 atop ago 3o sAup of utguM •u0t1 (J�� Jp 314 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 (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (2) 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 (1) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (2) 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 (3) 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, (1) paying any sums secured by a lien which has priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable 6A(WY) (9905) 106a07wy.0899 V 35271538 [1949514] Initlalde; Page 7 of 15 Form 3051 3/99 66 L90E WJod ftL96t'6L1 8E9LLZ9£ 9 L 0 8 eBed 6680'AM80E901 (9066) (AM)1/9 `1uatutulsui iC1t1nzas s!ql Aq palnoas sums 0111 01 patidde aq Ijugs spaaoold snoauujiaosij 0111 `pauassaj aq mom Alunoas s,lapua-j Jo ajgtsuaj Ajleotutouooa 1011 st ltudal JO uoue.zolsai ag111 •spaaoold snoauelia3sq .j qons uo sSum a .10 19010111! Aug iamouog Aud o1 palmbal aq 1011 11eus .iapua-j `spaaoo.zd snoaug1laosq,\ gons uo pod aq o1 Isaialu! saimbai me-i algeo1lddy 10 $utlum ut apeui st Iuaumai;Iu ug ssalurj •pal0ldtuo3 s! 3pom 0111 se sluaui,ied ssal;ioid 10 satlas u ut 10 luatuasingstp juts u ut uot1uuo1sa1 puu stuudai aql 1o1 Auw lapuaZ •Xjlduiold uwj1111apun aq 11egs uouoadsut gons 111111 paptnold `uotlpujsuus s,lapua-i 01 palaidtuoo uaaq sgq 3pom 0111 0insua 01 Auadold qons loadsut 01 Cltunlloddo uu pug suq lapua-1 !pun spaaoold snoatrell0osm qons plo4 01 111211 041 0mq ioegs lapual `pouad uotlulolsal pug 1reda1 tens ?uuna •pauassaj 1011 st Alunoas s,lapua-1 pug atgtsgal Attuotutouooa st ltudal 10 uouuloisai 041 11 `,C11ado1d 0111 10 ltudal 10 uopelolsal 01 patiddu aq dugs spaaoold snoauuliaosm qons `paeurep s! A11adoid a411I •lapuarj oi pted aq is pug oi pauatss11 ,Cgaiaq are spaaoold snoattu11a3stj,I 11d •aan ;ta ;ao3 :spaaaold snoaueilaasm Jo luatuu2IssV •T1 •010N 0111 ut paptnold 01111 0111 ie Isamu!! ,led 01 uouatjgo s,1oMouog s1o013u 01 uouoas stgl ut ;IutgloN •mu1 alquotjddd Aq palmbal st uotlgutuual t11un 10 uotleunulal Lions 103 J'utptnold Japua'j pug 1aM0110$ =mpg 1uau10012g uallum Aug gltm aouup1o33u ut spua aouelnsuj a115110JA 103 luatualtnbal s,lapual aq1 1t1un `anlasal ssoi alqupunlai -uou u aptnold o1 10 130310 ut aouelnsul aeg110yyi uteltlteul 01 paltnbal stunttuald 0q1 Aed i1114s IOMO11OH `a0uulnsuj ah5lloyAi 101 sulnttuald 0111 precool sivatuhd paluu;Itsap ,Cjaluredas 03ou1 01 paltnbal sum lamouog pug ueo' 0q1 duPlutu 10 uotltpuoo g se aouelnsul 02g2uohI paltnbal lapurj 1i •aouelnsul ag511oN^i 1o1 smnttuaid 0111 precool sluatuhd pa111u;Itsap A1aleredas salmbal lapua-j pug `pautulgo st `ajqupten11 satuooaq mag lapuo Aq paloaps lamsut ue Aq paptnold (salmbal lapuarj 1e41 pouad 0111 1o1 pug Iunoule 0111 14) a$e10A00 aouemsul aMlloj i 1t sluatuhd anlasal ssoi agnbai 1au01 ou 11u0 lapun •anlasal 9901 gons uo s;IutuIE3 10 'swam! Aug 10M011011 ,Ced o1 paltnbal aq Tot! ilegs 10pual pug 'Tin; ut pted Ajaletutljn st ueo'l 041 1eg1 13111 041 $utpuulstp!m10u `0ig11punpal -uou aq Togs anlasal ssoj Lions •aouelnsul a;Ieg11oyAI 10 nag ut OMMOSa1 ssoi 0jg11pun101 -uou a 9e sluatu1ied 0sagl utulal pug asn `ldaooe 1JIM lapuaZ papa ut aq 01 pasua0 a;I111ano0 aouglnsut 0111 uagm anp 01OM 1eg1 smatu Ced pal11u5tsap ,C1a1e111d0s a111 10 1un0tuu 0111 10pu0-j 01 ,Ced 01 anujluo0 Bulls 1OMOUOg `aiquitene 1011 st 0 1110A03 aouurnsui aMu0yAi lualunmba ,iliutluglsgns 1I •lapua'j Aq pram 1alnsut 0 auou1 01E11101ju 11g 111011 `130JJO ut ATS110tnald 001111111111 0215110IN am JO 1OMO11og 01 1900 0111 01 lualuntnba 'Cilepu111sgns 1so0 a 1e `130110 ut Alsnotnald aougmsui a;ie;Iuoy■ 0141 01 lualunmba ,tjlutluulsgns ae1ano3 utelgo 01 palmbal stunttuald 041 ,led ljugs 1am0110g `aouelnsul ag2110j 101 stuntutald 0111 p.reMO1 slua1uhd pal11udtsap AClalulud0s alum 01 palmbal s11M 10Mo11Og pug aouulnsut 4011 paptnold Aisnotnald Iug1 10111111 05eff11ou1 041 wog aiquitunu aq o1 9091103 Japua'j palmbal 0$ulano0 aouelnsul 05e2uoj, 0111 `110sual Aug 101 `31 •130110 111 ax minsuj a$u$110yAi 0141 utulutetu 01 palmbal sulnttuaid 041 111d 11ggs 1OMO110g `ugori 0141 guplutu 10 uotltpuo0 a 911 aZu111nsui 0;ia10JA palmbal 1apu0Z 1I •aoueansui 02e;IlaojAJ •0I •2ut111M ut 'Amu 0111 01 S001g11 1apua7 ssalun Amu Iou 1111119 aim 00J 0111 pug pj04asual a41 'Auadold 0111 01 011!1 aa1 sa1mb011 1OM0uog 11 •091101 041 10 suotstnold 0111 11e g1IM Xidtuoo 111149 1OMO110g `plo11as11a1 a uo 9t luauuulsul I111n3as stgl 1I luatuhd ;Iupsanbai lamouog 01 lapua1 tu011 a3tl0u uodn `1swarm Lions 111tH `01gehd aq logs pug luatuasmgstp 10 amp am 111011 01111 aloN 0111 111 Isamu! nag 11egs slunotug 0sa11Z •luatutulsuj Ii1tln0as 9!111 Aq palnoas lamouog 10 lgap 111uontpp11 atuo0aq 11ugs 6 110!1309 9141 lapun lapua' Aq pasingstp slunoulu Am" •6 uopoas 91411apun paztloglne suot1011 NE 10 ,(1111 10L1 .101 /C1tj1g11ti ou mom lapua-i 1e41 paa1g11 st TT •09 op of uouu5tigo 10 Amp Aug lapun 1011 st pug os op o1 anet 1011 saop 10pua -1 '6 uopoas s1411apun 110!1311 071 Aral lapua-1 g5noglld •13o 10 uo patunl satltitln 0A11q p1111 `suotltpuoO snola &!rep 10 suotl11jotn apoo 10410 10 5utpjtnq aleunuila `sadtd !11011 101oM mail) `smoputM pug sloop do preoq 10 a0111da1 `931301 a;iuu43 `sltedal 0x¢111 01 Auadold 041 utlalua '01 pa1tu111 Iou st 1nq `sapnput Auadold 0111 ;iuunoas •'utp00ooid ,(oldnlxu11q e ut uoptsod pamoas sat ;iutpnput `luatunllsuj 11t1n00s 91411apun s1g5u 10 /pug Ii11ad01d 0141 ut 1sa1aIut 51! 13alold 01 9001 ,sJatu011u ®6A(WY) (9905) 31 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 106a09wy.0899 Page 9 of 15 35271538 [1949514] Form 3051 3/99 66/E L90E WJoj (bL461,6LI 8£4 LLZ5£ I lJ 91 )O OL eBed 6680'AmOIE9OI (1066) (AM)b9 aiquatiddy Minn slalg.uoo aloes alp .10 luauIn11sui Aittnoas sup 10 asnejO t0 uotstnold Attu 111 luana alp uI •lOUluo3 ,(q ivatuaalge lsute2e uoptgtgold a se panlisuoo aq iou HUgs aouaits gons inq luaus aq 1g;Itut 1t .to 1oe11uoo Aq a012 o1 sawed 01[1 Mop Aiuotiduut 10 AptOHdxa 1g;Ittu Mud aiquotiddy mu-1 algeotlddd 1 suotlUlttuti puu sivawattnbal Niue o1 l3afgns ale ivatu1ulsui kl inns sup ut paut113uoo suouaggo pur slg5u Ity •paieooi st Auadotd alp gotgm ut uotlatpsi of aqi 10 MET agi puu mu! !yam Act pauuanog ag hugs luatutulsul ,iltlnaas st 'IZ •uotlan. suoD Jo saing :,fuIiquaanas !Awl 2utuaanoD •91 luauutulsul ICumoas sup lapun ivatuannbat 3utpuodsalloo agi Ajspes 'pm 1UOU1 ttnba1 Me-1 aiquotiddd agi `Merl aigeapddy .iapun paltnbat osiu st luatunnsul AiunOas sup Xq paltnbal aotlou i(uu 1i •.iapua' Act pantaoat 'Ilenpu !pun iapua'I 01 uant2 uaaq aneq 01 pauuaap aq tau pegs luatututsui 'fitlnoas sup gitm uot1Oauuoa u! aotlou Auy •lamofog o1 aatlou Aq ssatppe 'amour paivatsap seq tapuaq ssatun utataq pa1111s ssatppu s,lapua-1 01 stew ssuto 1s11; Aq li 5UHt11tu Aq 10 1! 3u nit lap uant2 aq hugs lapual 01 aotlou i(uy •aw11 auo Aue 1U luatun11su1 iitmaas sup lapun ssalppu aotlou paluutsap auo Atuo aq Auw aaagj •alnpaoold pagtoads 1111(1 q;Inoigl ssalppu 1 a5uugo a nodal 1 juo pugs 1 M011og ua 'I1 ssalppu 1 a2uugo s,1aMOI.10g 2utuodai ioj ainpaooid u sagtoads iapua-I 11 ssalppu 10 amp s,lamolt0g 1 lapual Xjgou Aildtuotd Hugs 1amo.uog •lapua- of aotlou ,iq ssalppu aotlou alnljsgns u paluu;ltsap su'I 1aMOlzog ssaIun ssalppy ICuadold alp aq Hugs ssalppu aopou aiZ •astnntaglo saltnbal Aissaidxa Me 1 aigeotiddy ssatun s1am0.uog pe 01 aotlou a1n1j1suoa dugs 1am011og auo Sue of a °t1oN •sUeatu 1ag10 Aq was 31 ssalppu aotlou s,1am011og 01 pampa!) AII uagM to ituu1 ssetO lug Act papal uagM 1aM0zlog o1 uant3 wag Al ae 01 pump aq Hegs 1UaturutsUJ Allmon sup gitm uopaauUOO ut tam0t10g o1 aotlou JCuy •5ut1!M ut aq isnuu 1uaU Xltlnoas still g1!M uotlaauuoZ ut lapua-1 .10 13M0110g uant;l saotlou Hy •seatloisr 'Si •03tu1O10A0 'Ians1O 1no 5utsttu aneq 10ttu 10M0110g U090U 1 ig2u Atm Jo lantum a a1n1t1suo3 pIM 1amolog o1 ivatu'iud 1Oa1tp �Cq apeuu punjai gons Atm 1 aouuidaooU MO/110110g •(010N agi lapun 101 paptnold st amp luawAudatd u iou 10 1agla1M) amp luatuXudaid Aug 1nogltM luaut1Cudaid 1Utuud 11 se pa1ea11 aq !pm uollOnpal ag1 edtauud saOnpal punlal u 31 •1amo11og 01 1uaW,CUd iaaltp U 2uDteul Xq 10 aIoN aril lapun panto JUdtouud agi gutonpat ,Cq punlal sup a)teut 01 asootp A0uu lapua' •tamotlog 01 papunlat aq !pm spurt palltuuad papaaoxa gat 'IM lamottog wag palaailo0 Apuatiu sums ,Cue (q) puu :ltuutl paultu od ag101 amp aq1 aonpat 01 krussaaau lunoutu nip pampa.' aq Hugs amp uuoi !Tans Auu (e) :uogl `situlti palittulad a1(1 paaoxa truoi alp glint uOpaauuoa ut papaw° aq 01 .10 pampa sa$t11g° ueoi 1ag10 .10 lsataIU! aq1 imp os palaldtalut J(Heup st Mui imp puU `sattego mot tun1utxetu slas ti0tgM mui u of ioafgns s! ueo7 alp JI •Me-1 aiquotiddy iiq 10 luatun11su1 /(tunas salt iq paltgtgold Aissaldxa am 1111(1 seal amp iou hut lapua'i •aa1'Ions 10 2U1 1 q3 aril uo uotitgtgoid u s11 panllsuOO aq wit Hugs 1am0110g 01 00J Ogtoads E 0g111g0 01 Iaaultuisui ,Cltlnaas sup ui /C1t1og1nu ssatdxa 1 aouasqu aril `saa1101(10 Atm 01 mat u1 'seal uopuniun pue uopoadsut Auadold `seal ,s/Catuofe '01 paltuuti IOU 1nq `3utpniout `luauututsui 1C1tlnaas sup tapun s1g;It1 pue Auadold a1(1 ut isatalut s 2ul1oa101d 10 asodmd alp 1o1 `linujap S,10M0110g g1tM 110900UU00 ut patu1o11ad saotnlas 101 seal 1aMO11og aim but lapua •sanugo two TT •Japua'13o sUatsse puu slossa0Ons aril igauaq puu (0Z uotioas ut paptnold se ldaoxa) putq ins luauuntlsul Allmon sup 1 sluatuaat a pu0 s1U11uano0 011 lupLM ut amp.' bons 01 saaa11 1apua7 ssatun 1Uatunlisul /(trines sup tapun i pue suopatigo s,tamollog wag pasuaIat aq iou Hugs 10mo11og •luatutulsul Xltmoas sup tapun siilauaq puu sigf p s,1aMO11og 10 ire ut11lgo Hugs `laptia7 ,Cq panoldde st pug `;Iut1TM ut luatunllsui ICiunoas sup lapun su0papgo s,1am011og satunssu ogM 1aMOUog 10 ISOIOIul u! lossa0Ons Attu '1(i uotmoas 1 suotstnold alp 01 ioafgns •luasuoO s,tau2Is -oo alp 1no'I1!M a1ON a1(1 10 luatunllsui Alunoas sup 1 suual aril 01 p1u$a1 ti!M suotiepomw000u AIM 0Vu1 10 maw; `,(ltpouu 'puma 01 aat211 1110 1aMO110g 1ag10 ,(U11 pu11 lapuOZ 1111(1 saa1811 (o) puu :luauunulsUJ Allmon sup ,Cq patinas suns aq1 hd o1 paiu AIieuostad iou st (q) `.1Uauutuisul XiunOas sup 10 swim alp tapun /Cuadoid alp ut lsataIU( s -o0 01(1 iianuo0 puu 1111118 `08118u0ut 01 Atuo 1Uatutulsui filunaas 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: (1) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (2) words in the singular shall mean and include the plural and vice versa, and (3) 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 federal 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: (i) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (ii) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (iii) 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) (9905) 106a11wy.0899 Page 11 of 15 Initials4 318 35271538 [1949514] Form 3051 3/99 66/E L50E 1101 [1496176L1 8£9LUSE 5r� 21iUI 5 t 1 Z L e 6680'AMZIE901 (50661 IAM1V9 'dnugaiD teluautu01inug ue 103 iapua7 uo uope8ilgo /cue man hogs maim! 8uigloN Mw teluatuuoltnug gitm a°trepl000g ul sumpe Iuipatual Xlessaoau Hg awl,ipdutold begs 1amonog `,(n ssaoau si Auadoid agl 8upoa33g aouulsgns snoplezrH Aug 3 uopgipatual 1atgo 10 ten0tual Aug legs `And algnud Xue 10 `Aluoging £toigin3ai 10 Ieluautu1an03 ,Cue ,Cq pappou si .to 'sumo! iamoiiog 3I •Auadold ag1jo anion agi maim IClasJoApg g°Igm aouelsgns snopmzuH e jo amp.' 10 asn `aouasa.id am ,Cq pastmo uopipuoo Cue (E) pug `aouelsgns snoplezei-I /We 3 amp.' 3 maim .io Os `a81gg°sip `3upteat `3utllids, Aug '01 paittutl iou 1nq 3ulpnlout `uopipuoD igluautuolinug iCue (Z) :a8paimotni mpg sell 1am011og i0tgm 30 muJ Iuluatuu01Inug 10 aotreisgns snoplezgH (ug pug' Auadold a ii 8mnionul XUed alenud 10 Xou03e ,ilolein8a1 igluatuuuno8 /(ue ,iq mpg 101410 10 llns' I `pugulap `utrulo `uope3psanul Aug (I) 3o a°p0u ua1111m lapua1 anl3 iipduuold hugs 10mo110g •(slonpoid latunsuoo ui =maps snoplgzuq `o1 paliutii iou inq `8uipnioui) ,Cuadoid ag1jo a°uuualuteut 01 pug sasn Iepuaptsa1 Igtu10U 01 almldoldde aq of paziu3ooat AIIelaua3 a1g legs saourisgns snoplezRH jo saluiuunb pun jo AliadoJd aq1 uo a3g1ols 10 `asn `aouasaid aril of iildde loo Hugs saoualuas om1 uipaoaid aqj •Auadold agl jo anion aq1 sloa33e Xlaslanpe legl uoptpuoo a saleal° `aouelsgns snopi zeH r jo asgatal to `asn `aouasaid am 01 anp `g°igm .to uoilipuoJ igluautuoainug ug somata room (z) `mgt Iuluatuuoiptug &Ir JO 11011g10in III si 1g1p (I) iClladold ag1 gui13033u 8ui1piCure `op 01 asp auoiiue MOHR 10U `op iou hugs 1amo11og "Aliadold agl ui 10 uo `saouglsgns snoplgzgH Aug amp' 01 ualralgl 10 `sa°uglsgns snoplgzgH Aug jo amp.' 10 `a8g1o1s Iusodsip `asn `aouasaid agl pouad .10 asnuo loo Eggs 1amo11og •dnugajD Irluatuuoltnug tre 1088tH asimlaglo 10 `01 ainquluoo `astir° olio 1gg1 uoilipuoo r stmatu „uompuoJ Ieicautuollnug„ ttu (j') pug mgr Igluatuu011nug ut paugap sg 'wpm !mum' 10 'WIPE Ielpaulal `11090E asuodsal Mug sapnpui „dnugaij IgluautuoJ1Aug„ (E) :uopoaloid ieluatuuoltnua 10 ,C1apus 'twat! 01 alma.' leg1 pa1eoot si Alladold aq1 alarm uoiloipsunf ag1jo smut pug smut iglapa3 sugaul „Awl lgluautuoltnug„ (Z) :sieualrtu anu°goipel puu `apAgapteuuo310 solsagsg 8utu1gluoo ste1101uu1 'MOWS aItluIon `sapt°tg1oL pug sapl°fsad otX01 `sl°npold utna1ollad °1x01 10 atgrunugt3 1ag10 `auasolaNN `augosE5 :saouglsgns 8utm0 ail pug mel teluatuu01!Aug ,Cq salsem 10 `siuginttod `saotrelsgns snoplgzug 10 °ixol sr paugap saoueisgns asogl ale „saourisgns snoplrz1H„ (I) :jZ u0p°as sup ut pasn sd •saaumsgns sn0paezeH •TZ 'OZ uoiloas sup 3o sumstnold uopor ant_3°a.uo° a3Ig1 01 ICliunlloddo pug a°pou ag1siigs 01 patuaap aq hogs 81 u0 01 lugnslnd 1amo11og 01 uoAl8 uoilulata °°u 3o aopou ail pure ZZ UOIPas 01 lugnslnd 1amo11og 01 uan18 aln° 01 Xllunuoddo pug uourla1a °°g jo aopou aqj •gdu18eied sigl jo sasodlnd 103 alquuosual aq o1 patuaap aq Iilm pouad °tug le `ua3m2 aq trio uollog mgua° alopaq asduta isntu g°igm pouad au131 r sapinold mr-I algiotiddy 3t 'mpg °Apollo° a)p 1 01 aotiou Bons jo 8utnl8 ag1 1a13u pouad aigguosuat E 01aJag ,Cued 1ag10 agl pap1o33g pug goualq paaaJg lions jo (gj uopoas jo sluatuallnbal am gilm a°uerlduuoo ul uanlg aopou lions gum) Aurd laglo am patJnou sgg lapua-j 10 1amo11og lions ipun 'luauunllsui Slun °as sun `3o uosual .iq pamo'iinp Aug 10 `3o uoislnold Aug pag°ualq sgg 1Cuud 1agmo am imp saaaHu Imp 10 luauutulsut /ilunoas sup 01 umnslnd suopou s,,iiled laglo aql wag sasuu lggl (sop u 30 lagtuatu am 10 map!! Ienp!mpul ug laglia sg) u0pou lei °Ipnf Are 01 pamof aq 10 'up(' `aouaululoo ,tutu lapua'I IOU 1amo11og 1ag11aN •laseg°1nd a1oN ag1 papinold asimuagio ssatun lasugolnd a1oN ag1 ,iq patunsse 1ou am pug (s)laoinlas ueoi 10ssao°ns g 01 pa11ajsueii aq 10 1aopuas uuo1 all g11m mutual mm 1amo11og 01 suope8ggo 8utoinlas two! a8g8uouu ag1 `a10N ag1jo laseg°1nd agl uugl Jagi0 laoinlas ueo1 paornus st uro1 ag1 1a13ea1agl puu !Nos si a1oN agl 3t '3uppuas 30 1aJsug113o aopou g gllm uop°auu0O ut salrnbai 8O NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. (21 ®6AIWY) (9905) 106a13wy.0899 Page 13 of 15 Initie 35271538 11949514] Form 3051 3/99 66/E LSOE Lulu] [4L96176L1 8£S LLESE 9 L 1 41 peed l0mol1og- lamouog- (IeaS) (leas) .MA011011= (l lamollOg- (leas) TZ8 111361ID VHONOS lamo1log- (IeaS) lamollog- (IeoS) 6680'Amti1E901 16066) (AM)v9 :sassaullM Lt tliim paptooal pue iamouog palnoaxa (s).zapu Cue uI pue looms sul iiiunoaS slgl ui paumuoo slueuanoo pue stuial am o1 saaige puu sldaooe .iamonog `MO1Iu rONINJIS Ai" STATE OF WYOMING, The foregoing instrument was acknowledged before me this 16th day of November, 2000 by SONDRA GILBERT AND PAUL GILBERT My Commission Expires: Feb. 26, 2002 t‘� V, j 4 c -6A(WY) Issos) 106a15wy.0899 Page 15 of 15 Initials: 82� Teton County ss: 35271538 119495141 Form 3051 3/99