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�,p ItEL'3E Ole 1`717;2 This Mortgage 1801 -BF JACHITMEs Return To: NATIONAL MORTGAGE OF IDAHO, INC. 230 EAST BROADWAY —P.O. BOX 4487 JACKSON, WYOMING 83001 Prepared By: SUSAN HARRIS JACKSON, WY 83001 DEFINITIONS 6212981 t .G(WY) (9904).01 Page 1 of 15 VMP MORTGAGE FORMS (800)521 -7291 Uv [Space Above This Line For Recording Data] MORTGAGE (A) "Security Instrument" means this document, which is dated October 13, 2000 together with all Riders to this document. (B) "Borrower" is MICHAEL STEVE BARON AND PATRICIA BARON, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is NATIONAL MORTGAGE OF IDAHO, INC. Lender is a organized and existing under the laws of THE STATE OF IDAHO WYOMING Single Family FNMA /FHLMC UNIFORM INSTRUMENT RECEIVED COUNTY d Y ;J M I BOOKA) PR PAGE (1 RELEASE op This Mort gage siE BAD IF MaRTIAEES PA 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. Form 3061 3/99 20060 -01 f go-0900Z ti ydSg2I Japan „uuol afn5uom polypi SIluIapaJ„ e su i(d?Innb lou saop anon a1313? agog „uuol oRe2iJour palnloi SpeJapaJ„ u 01 pregaa u? pasodun are will suoilaulsai puu sluaurannbai lin 01 srajar ydS luaunulsuI *moos sup ur pasn sy •Ja tut laafgns acres all suJano2 will uoileln2a1 Jo uopnlsial Jossaoons Jo luuoil?ppu ,fun JO `011113 01 ga woij papuaum aq 1112iur fall su `(00S£ land 21 i J iZ) X uopeln2ag topulaar gupuauraldun s1I pue (•bas la 1092 uollooS '3'S•n zi) Toy sampaoord 1UOIUOII as aluls7 'eau all snow „ydSawL (0) •luaumJlsul *moos sup jo uopoas spun slunoure ,(11m (Z) snld `010N all Japan 1saJalul pun ludiouud (I) Joj anp lunoure palnpalos Sl elnliai all strum ;uatu ed alpolaad„ (lit) og aq1 to 1lnnjap Jo `Jo luaurifeduou gill lsuregn Japua7 2upoalord aouernsur sunaui „aaueansul ate2mow, (IAI) •,ilJadold 0131 Jo uolllpuo0 Jo/pire anlnn 0131 `01 su SuotSSUIIO Jo `JO SUOpnluasOJdOJsnu (ni) Jo uopuuuiapuoo jo non Ur a0un,fanuo0 ?ii) `kuadoJd x131 Jo lied Are Jo lie Jo guptel Ja1310 Jo UOII1UUr0pU00 (u) `Al.odo1d a131 `Jo uoilOfJlsap JO `01 a2eurep (i) Joj (s uopoas ui paquosap S0 1l10Ao0 all Japan pied spaaooid aOUersul unlll Ja131o) ,Cued pep Sun ,iq pled spaaoord Jo `sagnurnp 3o pJumn 'mammas `UOpusuaduroo ,Cue suuaur „spaaaoad snoauellaasmi„ ('I) uolloaS ui paquosap 0111 lull SLUM! OSO131 maul „saran moans (}I) •sJaJsunII asnog2upualo palutuolnu pun `sraJsUUII aJim `auo13dalal iq palupiui sJaJsue11 `suopOnsueJ3 au?lOeur Jallal paluurolnn `srajsu1J1 alas- 3o -lulod `01 pal?u lou sl lnq `sapniou! u1aal lions 1111100011 1111 upon Jo ligap of uopnlpsUt le!OUeug n azu0131nn Jo `131111sui `Japro 01 su os 0d131 Oi1OUSEUJ Jo `JalndulOO `luaumrlsui oruoidalal Iuuluual 0nlo1loala ire g2no1131 pasnp ?u? s? 13331Im `1u0UmJlsui Jaded squills Jo Veil) `3IOa130 iq paluui2iuo uopousua I n uu141 Ja1310 'spun 3o JOJSUIJ1 SUE MUMOUT „aalsu1JZ spun3 aluoa;0ai1„ (I') •uorinziun3JO Jnlnuts Jo Uopn!OOSS1 sJaUmOaur013 `uoileloossu 1untunuopuoo n ,iq Spado1d 0131 Jo Jamouog uo pasodun arm 1n1.I1 saarelo Jag10 pun SIUOUIssassu `saaj `soup nu sue= „s1uaurssassy pue sand 'sang uope1Oossy £;lunururo)„ (I) °suoluido moipnf alquleaddn -uou `Ieui3 alge3ilddu Iie se Ilam Se (MET J0 1oajja all ann13 rum) srapro puu saltu anil1Jlsiunupn pue soauuulpao `suollnln2a1 'salmis Tool pun awls `IuiapaJ algeogddn 2utllo1luo3 IIe suuaun „Me'I algeoliddy„ (H) [,fjioads] (s) gap ?2i XI?utu3 t Japtg auroIl puooas S t JO 1 96ed Jap ?2l luaur,ind Spiaamig Jap ?2I lua1udolanaU 1 ?Un patmnld Jap ?21 umnznuopuoJ to (Yo66) (AM)9 rapi2i VA Japt2l uooling Jap ?2l ale)l alqulsnfpy T86ZTZ9 [alg1Oildde se xoq rap] JaMOJJOg Cq paln3axa aq of 0111 srapu &uimolloJ 013 j •Jamo1JOg iq palnoaxa are 111131 luaumJlsul kl!Jnoas s ?131 01 srapp Ile arum „saapRL, (9) Isaralu! snld `luaurnJlsul klimoas sup spun anp sums 11? pue `030N 0131 spun anp saarell0 am pug saJe13o luaurSedard itue Isamu! said `aloN all (q paouapina lgap alp snow „ueo7„ (d) •,ilradOJd 0 131 u? Jo Jajsu1J,I,,, S'uipnal all Japan mom paquosap Si will kuadord 0131 sum „Spadoad„ (3) 0E0 'T aagivanoN Trull Jalnt wiz IIn3 u? lgap 0131 ,ind o1 pue sluaur,ind Oipouad.reltl201 Ui lgap snll ,Cud o1 pasiuroid se13 JamOJJOg •lsaralui sold 00• 00S'vvt S Il) srelloQ OOT /00 pur paapung anti pursnouy ano3 R;ao3 paapung auo S0m0 ramo1JOg imp salels a10N ally 000Z ET aago300palup pnn ramoJJOg ,iq pau2is al0u £Jossiurord 0131 &maw „aloN„ (q) •luatutulsul ,Clangs sell spun aage2uou1 0131 s? Japua-I TO 0£8 emixoXM 'NOS) Z W LB fiifii x041 'o'd- XKMavo2i41 Isva 0E Sit ssarppns,rapua-1 99 CnR0 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower' s obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (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 Lender and Lender' s successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 29 OF SOUTHBROOK RANCHES, LINCOLN COUNTY, WYOMING, ACCORDING TO THAT PLAT FILED SEPTEMBER 5, 1990 AS PLAT NOS. 335 -1 AND 335 -2 IN THE OFFICE OF THE LINCOLN COUNTY CLERK. Parcel ID Number: which currently has the address of 79 LUPINE DRIVE [Street] THAYNE [City] Wyoming 83127 [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS, Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as pay f the Note or this 6212981 Atlyr 2 Initial -6(WY) (9904)01 Page 3 of 15 406 Form 3061 3/99 20050 -03 !0I uI SL Jo q abed Lo(v066) (AM)9 T86ZTZ9 slunoure all `ojquAud aratm pug Loom 'Smartt) Aid Hugs Jomouog '.IantuM tons jo loan aql uI •Rut3ttm ut oq ditto Moot IantgM tons Suy •aurt3 Niue 31 sump moaosg IIu .10 Jul, 101 sputu .Jopua7 or Aid 01 uotlu$tlgo s,1aMO.uog antum Suet Japuaj :swop moiosg Hu Jo Niue zor spun otp Sud of uotlatigo s,JamoJJog santem 1apun ssalun swop Mo.rasg .tor spun all .iopua7 Sud Imo xaMO11og •uotloas sup .spun plod oq or slunouru jo saotlou IIu iapuarl of gsnunr Spdmord hugs 1OMO.t.tog mad Mozasg ue oq Iirels sluauissasss pug soar 'soup tons pug `Jamo.uog iq paM0.10s0 aq `Cue rt `sluotussassy put? soj `sang uotlepossy Aitununuoj imp orrnbar fete iopuo- `uuo7 all jo mar 0133 &uunp amp Sue 1e JO uotlgu uo 1y „•suralI monsg„ pallg0 at suralt asagj pI uotloas jo suotstnold otp 131tm aotrupr000u ut sutnuuaid oruumsul o3arroljI jo ivatuAud all jo nail ut .rapu0-I or 10/1 ,(q algeXud sutras Sue .ro `,fire It `sumnuaad aotre.msul at:guoj, (p) pare °S uotloas iapun aapun fq pormbww aouu nsut liu pare Sue JOT sunward (o) `Mire rt `Aiodord all 110 s3U01 punoB 10 snrow fud plotasual (q) `Strada'd otp uo aougrqumOuo .ro uOti u su 3uaumr3sUI if3tmo0s sill .IOAO 1(luopd utull1 ug0 gottM smolt 1atlo pug s3UOUrssassu pure sow. (u) :zor anp s3unoure jo 1uotuSud zol aptnold or „spund„ 0131) ums i `Ilnr ut mud st O3oN 0131 It1un `a1oN .spun anp a.re sluatu ud 0tpopad Sup ow uo Japua7 01 Sul Ilggs 1OmoLIOg 'swan mama .tor spund •T •slu0tuSud otpou0d at1 jo `Iunoure 0133 02uuto zo 'amp onp 0131 ouodlsod so pu01x01ou Hugs OloN 0111 .spun onp redtouud o1 sp00aotd snoauulloosm 10 `sp0000.rd a3uu.msut `slu0ur ed jo uo1luotldde Sul! •a3oN ow ut pogiiosop sg uagl pare sa1retl0 tuaurkedald km or lsItr poijddu oq Ilgis mow 11dard i(terunlon :anp s0a1go Net Are of paldde oq Xeur ssaaxa tons `slu0urSed 0tpotrad a.iotu 10 OLIO JO luam,Cud tin; 0133 01 patlddg st luaur1ied all rope slstxa ssaoxO ,fug 1gtl1mom alp 01 TIT ut pled oq Lrea luatuAud toga `111133 lualxa alp 03 pull `rt s3uaur,fed otpouod 0131 jo 1uow/Cedar owl or 10M0110g moil pant0oa.r 3UautSgd Sue .(Iddu Amu .Japuo'I Tutpuers3no st luaurSud otpot1ad auo uu131 O3oui rI •02111110 03113 ag1 pare 3uautiCed luanbutlap 0133 or patlddg oq Sulu luottrAud 0131 `anp 0aretlo a1ul Niue Aud o1 lunoure luaptrrns u sapnput 13ot1M 1UOurXed otpopod luanbutlap u 10j 10A10110g UI01j 3U0W1(ed a san100a1 10pu0'I rI :OloN alp jo aouumq tedpuud 0131 0anpai or u0i3 pare `luaurtu3sul &lunoos sup .spun anp sJUnowe .ratio nitre o1 pu000s tamp Nut of lop patlddu oq hulls slunoutu Wuturutuar ,CUy :onp atuuooq 113 totgm in 10p10 alp ut luanrSed Otpottad toga o1 patldde aq hulls sluaurked tons uopaas .spun anp slunotue (E) `a1oN all .spun anp Iedtaupd (z) `.01oN x131 .spun anp lsa1a3ut (I) :Sluoud jo row SutM all ut patlddu oq Hugs aapuOJ fq patlddu pare pa1d0oou sluaur(ud IIu `z uotloas stall ut pagttosap astmraglo se 1d00xg •spaaaord ao s3uam,fed Jo uol;eatlddy •z •luau'ru3sul i(3tm3as sill Aq pamoas slu0nra0ag pug s3ireuonoo 0133 2uturroriod JO luau'n.r1sul 4.11100S sup pug aloN 0132 Japun anp s3UOurSgd O'ut}1etu 11101r 1OMOJJOH 0 1 13 01 Iiets iapuog lsurae wimp alp un 10 moo 0ne13 1132tur 10A10110g tattM uutup 10 IOsrro ON •amsop0.IOj of iotrd i(Ialetpauutut a3oN 0133 .spun aouemq Igdpuud Wutpugls3no 0131 of patlddu oq 'pm spunr tons `10131110 patlddu iou rI •10M0z.10g 01 tu0111 11111301 10 spunr tons ,ilddu 1013110 hugs .rapua'I `aural jo pouad algluosear e utg3!M os op 1ou sanp 1amouog jr warm uuorl 0131 &nig of (s)luatuSed sa)3uuu 10M0110g Hum spunj patldduun tons plog Sum 10puoi •spunr parlddeun uo 3sar03ut ,Cud loll poou 1apuorl imp 'amp onp p0lnpotas sit jo su patlddg st 1u0ur,(11d °tpouad toga rl •pa1d00au are swomiced tons 0tut1 0131 1e s3ttatu1Cud tons 1fldde o1 palatlgo 1011 st aopua7 3nq `alnlnr 0133 ut sIu0U retried ao (s)luotuSed tons °silo.' 01 s3gVT1 sat or aotpnfaid .Jo 10pun01a13 s1g5u Sue jo Janrem 1notltm `311011113 um” 0133 5utrq or luaptllnsut (s)3uouri(ud Ietued 10 (s)luatuAud Sue 3daoo1 ,Cum zapu0'I 3ua1m0 ugo'J 0131 O'ut.iq of luatorunsut °S slu0LUSed lurtted 10 (s)3uau',ied 0133 rt (s)ivatuSud pried 10 (s)luatu.hd ,full minor Sulu .1Opua7 •SI uotloas ut suotstnoad 0ai3ou alp 1311M aotrep1000u ut 1apuog Sq p°llOtsap oq few su uotluool Jallo tons 3 10 NON 0131 ut paleaisap uoileaol 0131 1e pant0a01 oaten 1apua-1 iq p3n900.1 p0u'Oap are maul/Cud •a0rsuu1Z spun3 0tuo1lo0Jg (p) 10 Sli3U0 10 `iC1tle1uatUtulsut fouaffg imam 11 i pa.msut DIE sltsodap aso13M 11013nlpst! 1113 uodn UM11Ip st vow tons Aire paptnord `Strata s .'o row s ,I°Insuall 'vow NIueq 'row patltpa° (3) `10p10 ,fauour (q) 'goo (u) :1Opua-3 iq paloojas se `stuzol 5 utmottor alp jo 010111 10 0110 ut 0peur oq ivaunulsul *moos stgl pare °loN 0131 1apun anp sluatuSud luanbasgns Hu .to Sue legs aatnbar iem Jopun `predun 1apu0-I of pau.mlal st luaurtulsul i(ltma0s 408 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 Horne Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings 011 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 6212981 (1:1:0®6(WY) (9904)01 e Ate- 0 11 Page 5 of 15 y Form 3061 3/99 (�1 20050 -05 90 0900Z 5O S l l0 9 aged m 10(4O66) (AM)9 t86ZTZ9 gf9M `anp 110p1 mu 10 =palm `1uoumusuj *moos sup Sq palnoas sums 0141 of pagdd11 aq Hugs spaaoozd 0ouvinsu! 0141 `pouassaj oq pinoM klunoas s ,lapuarj 10 algtseaj iflluonuouooa lour s! lredaz .io uopiuolsaz 0111 ji %1amol/0g jo uon qqo Nos aqj aq pugs puu spaaoozd aoutlnsu! o p jo ino pn d aq 1011 Bugs 1aMO11og 'Cc( pau ioi `sopund pinp 101410 10 `siojsnfpu oggnd 1oj sooj •spaaoozd gons uo s2uuu.rea 10 Isolalu! Cuu zaMOIog ,Cud of poi nbal oq 1011 !jigs iopuo'j `spaaoozd 0ouulnsuj gons uo piud oq 011sazalui so /mboz Mu I ajggogddy 10 2up!im ui apuui s! luauzaazgu m ssalun •palaidwoo s! )jlom 0141 su sluom Cud ssaBozd jo sauas u ui zo 1uaulked al5uis u ut uoiluzoisaz puu sliudal ail zo3 spaaoozd asingsip ,C11uu .apuo'j •SpduJold u03'uuapun aq !jugs uopoadsui gons Jail papInold `uopouJspgs s ,Japtioq polaidmoo uooq set! spot 0141 alnsuO 01 .Clladold gons loodsul 0f i(uunuoddo UB pug suit zapuo'j pun spaaoozd aouulnsu! 'ions pjoq of 1g5u alp omit pugs iopua-I `pouad uopt1olsai put 1Iud01 gons guuna •pauassal lour s! k1uno0s s,lapua-I pug ajgisuaj ,Cjjtopuou0o0 s! /redo.' zo u0pg1Olsoi a14l ji `,Clladold ail Jo zredoi JO uoiluzolsaz o1 potjdd11 aq Iit14s `zapuo -j Cq pazmbaz sum aouulnsu! &ui,Cjlopun alp 101110 aaglagM `spaaoozd aou111nsui ,iuru iupuM u! 0aaU asTMlaglo 10M0110g put zapuarj ssalun •1OMO11Og Aq ,CpduioJd aptu9 'mu 3i ssoi jo 3oozd o p ui Amu lapua'l •10pua' 141111 10111E0 aou11lnsUI ail 01 aoclou idu9oid ants Iju14s 10M011011 `SSOJ JO Juana 0111 III •aa,Cgd sso! J11uopipp11 1111 sit 10/pu110a2allou9 sit Jopul anre11 !jugs pure osnwp auThuoui prepuuls u opnjou! !Tugs ,Coiiod qons `/Cpodold 0141 `Jo uoponllsap 10 `01 020urep 103 `aapual sq pazmbaz as!MUaglo 1011 `00tlanoo 0ouamsu! 30 11uoj ,Cut sure2Qo 10MO11og 31 •saotlou I11Mau01 pure sumnuaid mud jo sidtaooi iii lapua' of ani2 ,Cjldwo1d !jugs 1aMOI0g `sazmbaz lapua' .II •sal11ouploo 111Mau01 put satotjod ail pjoq aql ang14 jpnjs lapuo'j •aa/Cud ssoi j11u091cpp111111 su 1o/pu u a0guguo9u sit 1apua7 auutu Timis puu `asn11p ogu2uou9 prepui s a opnpu! !lugs `sapliod gons anoldd11stp 01 Op s,lapua'j of porqns oq !tugs satoilod 'ions jo sl11M0ua1 puu lapuo' iq pazmbaz s09ogod aouglnsul liv •fuau9,C11d 2upsanbal 1aMOliog 01 zapuOZ U9o11 aopou uodn `Jsalalu! lions 141!M `Olquif11d aq hits put luamaszngs!p 3o amp 0111 UIolj 01111 OloN 0141 111 Isala1U! nog 'Lugs slunOure as014s •1uOumzlsul iflunoas snit ,Cq pampas 10MOlog jo !gap jguoplppu auiooaq !lugs s uo1loas sup zapun zapuoi sq pasingsip siunoure ICuy •paui11lgo ant11 pjnoo 10M0110g 111141 aou111nsu! jo woo ail p00oxa Spu11ouru2Is 11121w paUiulgo os 0.. 111anoo aoueinsu! ail Jo woo ail 114111 sap0JMOU)jo11 10M0110g wow u! iilsnocnald sum 1111142 021110A03 lasso[ 10 10111012 ap!nold 1142nD pug AuJ ggnj 10 prez11g `)is!z 1sun:$11 `,fuadold 0141 jo s1UOIU0o 0141 `i 1i0dold ail 11! i(lmba s ,1amo11og `1aMO110g loalozd lour 10j111 10 114211.11 mg `lOpua7 SOAOO ijg1s 021110A03 !Tons `01oja1a1s •321110A00 JO lunOure 10 ad/C1 zujnotuud Cu11 asrnpind 01 uopaggo our zapun Si JapuaZ •osuadxa s,1nM0110g pug uOpdo s,lapu0Z 111 `021110A03 aouumsur url111go Amu 1apua7 `anog11 paquosap sag11lanoo a141 Jo ,(1111 111111u1n! 0l sjjuJ iaM011og 3I •J0MOlzog Cq uOpoofgo are 11901j Wu1finsal uoilgunuzalap auoz pooh ,Cu11 Jo Ma!na1 a 14TIM u0po011110o u! ,Couay 1u0uW0 11U11IAI ifou021auUg j111ap0,J 0141 Cq pasodun sooj Niue jO 1u0ua11d 0141 10j ajgisuodsoi oq osp Iju14s 10M0110g •uop11ouploo 10 uotluunuzaIap Lions page 1g5nu Xig11uosg01 !pipit 111000 sau1114o 'mum 10 S U!dd1U9a1 011111 'pea saare110 luanbasgns pu11 saopuos uopgoupioo pug U0911UTuuaIOp auoz poop 10,10 111140 atop -auo 11 (Z) 10 SOOIAJOs 2uDjo1111 pu11 uop11ogjuao `u0peu911ualap auoz poop 10J Amp aunt -auo 11 (I) :1014110 `uuo-I snll 142 M uotloauuoo u! `iced 01 10M0110g azmba.z ,11119 zapuog liquuosuamn pastozaxa aq 1011 Ilu145 114211 14on1M `aoto1jo s ,10M0110g anozdd11sip 01 Op s,lapu0rl 01 loafgns zaM011og Cq uasogp oq gulls aouuznsu! 0141 5up!Aold zau10 aou111nsu! 014J •uuo-1 0141 jo m101 0141 5uunp 031111143 auo sOoualuas 2uipaoazd 0141 O1 lu11nslnd sopnba1 1apuo -1 lu14M •sazmbaz lapuo'j 111141 spouad 0141 zo3 puu (spnai aig9unpap 3uipnpu!) slunowu 0141 u! paurelu!11W oq hugs 0ouuznsu! siq j •aou11lnsu! sazmbaz .iapuarl goi14M 1oj `spoof pug so3funbquta `01 pouum 1011 inq `3Utpnpu! spzezeq 101110 kw mu „`031110A03 papualxa„ uual 0141 utgliM papnpu! sprez1111 `0114 sq ssoi lsu!u311 p01nsu! ,iuodold 0141 110 moon 101Jga1ag 10 3upsjx0 Mou sluauJanoldun oql daal Iju14s 10M0LI0g 'aaugansUI SI.13d0.1d 'S wog s?141 g2!M uotloauuoo u! zapua1 iCq pasn 0olnzas 3u9lzodo1 10/141111 uopeoupan xul owisa J11a1 11 10j 03111140 aunt -auo 11 iC11d 0l 1aMO11og 01mba1 Am! 10141101 Uopoas S1Ljl u! an0g11 guoj las suo91o11 0111 jO 010119 .10 OLIO 03101 .10 110II 0111 js1111s 1111148 10M0110g `Lan.! s! 0011011 1ug114on4M uo 011114 a141 jo s,Cup pl uPI2!M •U0g osb91. &i 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 Instnument, 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 6212981 O -8 (WY) (9904)01 Page 7 of 15 416 Form 3061 3/99 20050 -07 80 0900Z 661E •90E WJod slepiu1 S l 10 9 e6ed 1.0 (1,066) (AM)9•WO I86ZIZ9 luaumilsul ,Ctunoas spill Cq pampas sums aqi of paiddu aq 14ugs spaa0old snoauullaosq act `pauassal aq mom Slunoas s,lapua'j 10 algisuaj Slluonuouooa 1ou si it dal 10 uorlulolsal a113I •spaaoold snoauujlaosm cons uo s.Surulua .io 1salalu! Acre .iamozzog iced o1 papaw aq lou hugs lapua'j `spaa0old snoauuJlaosrl i cons uo mud aq of lsaialut salrnbal mu-I alquoilddy 10 2urlum ui apuui si luauzaadu uE ssalun palalduioo sr pom alp su sluaulSud ssai old jo sauas E ut 1.0 luauiasingslp abuts u ui uou 1olsal puu s 0141.ioj Su(' Sum lapua' *Spdulold u03luiiapun aq 411111) uotloadsur cans Tam papinold `uorloujsrlus s,lapuaq of palaldwoo uaaq sec OM alp alnsua o1 £lladoid cons 10adsul 01 ,Clnmuoddo uu puq sii lapua'j lrlun spaaDold snoauuipas Al Lions plot 01 11121.1 ail WIT pups lapua'j `pouad uopuloisai puE .nudaj Lions 2uunu pauassal 1ou sr iilun0as s,lapua'j puu algrsuaj SIW0ru1ouo0a si lrudal to uorlglolsal alp j! `Suadold act 3o 111dai 10 uo11Elolsal 01 papcIde aq pulls spaa0old snoaugllaosm cons `pauurup sr ,iiiodord aril 3I •lapua'j 01 pied aq hugs pui o1 pau2issu Sgazaq 0J1 spaa001d snoauullaosIJAI IIv •aanit0Jaog tspaa00Jd snoattnipasm jo luaurarssy *II •aloN act ur paprnold awl aril 411 lsalalui CEd o1 uopu2ilgo s,1aMO11og sl0a33u 01 uolloaS sail ut 2 unpol`I *mwj alquoilddy Sq palrnbal Si uorluuriulal Iilun to uorluuruual cons 103 2uiptnold lapua'j puu 1aMO11og uaamlag luauiaala11 ualpim LCuu g1rm 00uup1000u Lit spua a0uulnsul &auolwI 1o31uaUJalmbal s,lapua'j 0111 Irlun `aAlasal SSOI alqupunJal -uou u aprnold 04 10 'pogo ur a0uglnsul a2u5110JAI uTRIUWW 01 palrnbal sumnuaid act Sud Ilu1s laMO.uog `aouucnsul agg11oJAJ 10j surnruraid act pluMOi sluaurXud patuarsap Slaiuredas o pw of palrnbal sum 1amo11og puu ugo'j oip 2upluur jo uoprpuoo g su aouulnsul °Mum palrnbal lapua'j 3I •aouulnsul °Sallow lo3 sulnnuald 0 143 piumol slu0w Ed patuatsap Sol m(1as salrnbal lapua'j pug `paumigo s! `alqulrunu sauiooaq war lapua'j iq impalas 1alnsur Liu iq paprnold (salrnbal Sapua'I lgcl pouad 0141 103 pug luno1lu 0 141 uI) 02ElaA03 a0uglnsul &a110JAI J! maw/Cud OA.I0501 ssol apnbal 1au01 ou uu0 lapuaq 'OAlasal ssol cons uo sguiuma 10 Isamu! Sur 1amo11og Sal 04 palrnbal aq 1011 Ins .Japua'j puu `IIn3 11 4 prod Sla1EUltlln Si uuo-1 aril lutp 1 act 5urpuElscluMlou `alqupunjal -uou aq pups OAJOS01 SSO4 1 •a0uglnsui 0 ]10INI 3o nap ur aAlasal ssol alqupunjal -uou E Sg maw/Cud asaLi1 urinal puu asn `ldadou Ilan lapua'J *raga ur aq o1 pomp 0 1?10Aoo aouRlnsur aril uacm anp 01OM 111111 sluatuSud pa1Eatsap 1ilalglgdas acl jo lunouru acl lapua -1 04 ,cud of anuiluoa 411111) lamollog `algid use 1 011 si a mmAO3 aouIInsul aRallol^I lualgnrnba I 411? luulsgns 3I •lapua'j sq palaalas lalnsur 0 1? 41OW 011111101111 Liu aim '1oa33a uI SIsnornald aauglnsul 0 1 41OlAi ails 30 1OM011og 01 1SOO aill 01 lualgnrnba IIIUMIU 1500 u 111 100330 Lit Xlsnornald aouulnsul auguoj, am 01 lua4EAtnba SiwpU1?1sgns at?lanoo urulgo 01 papaw siunruiald alt ,Cud Hugs 10MO11og `aou111nsu1 0 1? 11olAi 103 suintulaid 0111 p1uMO1 stuaUl1iud paluu5isap ,Clalundas arm 01 palrnbal s1M laM011og puu aouglnsur cans papinold 'ilsnoinald 1u11ainsur 02112110111 act 111013 alqulrnnu aq 01 soma lapua'I iq palrnbal agulano0 a0uglnsul 0 1? 1J0JAI am. 'uos1101 Aug 103 `3I '100330 ur aouulnsul aga11oIN 0111 11111111111111 01 palrnbal sulnnuaid aqi ,Cud imps 1aMO11og `ug0'j act &ur)luul jo uorlrpuoo u sg aouglnsul agapow palrnbal lapua'j 3I •aouuinsul a2o2mojki •o1 lu1lum 111 1a J0111 0141 01. saaau lapua' ssa11111 anal lou pups 04111 aa3 011 pug plo1as1101 0141 `,illadold am 04 04111 aaj salrnbDu JOM011og 3I usual aqi 3o suorsrnold alp 1111 c1rM 1ildwoo 411111) 1aMO11og 'pimps u uo sr luauIn11sul &lunoaS styli 3I ivawked upsanbal lamoIIOg o1 lapua-i 111013 aailou uodn Isamu! cons 1111M `algESud aq t4uns pug luawasingsrp 3o awl) am wag 01111 01011 act 411 1salalur nag 14ucs slunouru 0)011,1, •1ua111n11su1 *moos si141 Sq palnoas 10M011og 3 lgap 4uuotlrppu awooaq Mugs 6 1101100) sell lapun lapuoq iq pasingstp slunoulu Zfuy •6 uorl0as Snll lapun pazuocing suorl0u Hu to ,CuE 2uplul 1011 10j i4tltqur4 ou )hour lapua' 111141 paalgu sr 11 *os op 01 uoila1go 10 Amp ,Cue lapun 1011 Si put os op 04 mug 1011 saop lapua-1 `6 uo110aS stcl lapun u01IOE awl Sum lapua-1On014tld *330 10110 paulnl sarlrlrin 0A1114 put `suotltpuoo snolaguup 10 suorlu4oTA apoo 101410 to 2uiP11nq aluunulja `sadtd urol3 mum wag) `sMOpu!M pug sloop do pmoq 10 aoujdal 's)400l aguuc0 `sltgdal 0)411111 01 iCUadold act &uualua `04 palrlutl 1011 sr lnq `sapnjout ,Cuado1d 0141 2uunoas 2uipaaoold Soldnl)Iuuq E Lit uoiltsod pampas sir &ipnpour `luaurlulsul A1un0as SRI lapun s1142u 1o/pug S11ado1d 0141111 lsalalut sit 10a401d 01 )aa3 ,siCau1o11u o j i i tb(i 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 6212981 43D-6(WY) (9904).01 Page 9 of 15 Initials i 4Z r Form 3051 3199 20050 -09 91. JO 0 86e t0( 086) (AM)9-cyar T86ZTZ9 aiquogddy Minn splljuoo aloN agl 1O luaumusui *moos sill jo asnujo .to uOtsinold Atm 113141 mono a141 ui louzluoo iiq luautaadu isulau uouigigold u s13 poi! suoo aq lou 441314s aouaits eons lnq `luaus aq 414 li 10 louzluoo Aq oa1& of sailred 01414 Moil! AI1iDitdaut 10 Ailioijdxo 10uu Mug aig13ollddy 'tug aiquogddy jo suotluqum pu13 sluatualinbal Au13 01 10afgns 0113 111auunulsli Slunoas suit ui paui13luoo suopaitgo puu s114 IIy •paluooi si Auodo1d all 140ntm ui uopoipsunf all jo Mui alp pare M13i p 1opoj sq paulan0' aq iris luaumllsui *moos sill •uopana;suo3 3o sting gmilqu.ianas EAnWZ 2uiutano9 •9i luamnllsui *moos sup iopun luau9anmbal 2uipuodsauoo all Sjspus wi!M 1uautalinbai tug aiquogddy all `mug alg13oiJddy .Iapun palinbal Osi13 si luaumllsui &wnmas sill palinbai aoilou /Cue 11 lapuag (q paniaoal AIiunlou iilun lapuag of uani5 uaaq anal 01 patuaap oq 1013 pugs luaumllsui *moos sill mint uopoauuoo ui aoilou ,iuy 1aMO11og o1 a0pou iq ssoippu 101410 u paluu2tsap s131 Iapuari ssOJun halal paluls ssalpp13 s,lapuag 01 iiuuu sop ispj 2unt.uux Aq 10 1i $uuaniJap Cg uani5 aq pip lapuag 04 a0ilou ,CUV *amp a110 Are 113 luauuulsui )(11lnOas sill iopun ssalpp13 a0ilou paluuSisap ouo Aiuo aq Amu aioty •ampaooid paijioads 11311 Onolll ssalppu jo amp u uoda! ,Ciao ii1314s 10M0110 110141 `ssa1pp13 jo auugo s ,10M0110g .toj alnp000id 13 sat toads .Iapua711 ssatppu 3o aSuul0 s,.Iamoing Jo lapuag ijpou ,Cpdutoid hugs 10MO11og lapuag 01 a0ilou sq ssa.zpp13 a0ilou alnlpsgns 13 p0Wugisap 5131 Iamouog ssaiun ssalppy ,iiJodold all aq hums ssalpp13 00ilou 014.E •asinuaglo satmbat Aissaldxa mug aiquonddy ssolun s10M011og 4413 0100pou alnlpsuo0 hugs 1aMO11og auo km 01 a0ti0N •s1113atu 10 ,(q loos jt ssalpp130Oilou 5 J0Mollog 04 palanijap iiiun1013 ua14M .90 4iutu sop 1s1ij ,Cq popytu !mint iomonOg 01 uani' uooq an1314 01 plump oq Timis llaunUlsui Sulnmas sup grim uoil0auuo0 ui 10M011og o100ilou iCuy &upi1M ui oq lsnut luauttulsui ICliln0as sill t414M uop0a!!o0 ut lapuag 10 1OMO11og ,iq uan9S sa0ilou Ity saMll 0 N •SI •oarel0lano 'pus jo lno 2u1sil13 WIT 114 tw 1aMO1.IOg uoi1013 Jo 114541 Attu JO 1ani13M 13 alnl iiIM JOMO11og 01 luaut1i13d palip sq 0putu punjoi 140ns dare jo a0u131da0013 s,1aM011Og •(aloN 0141 iopun .IOj paranoid st 02113140 1uaulS13d01d 13 1011 10 10141014M) amp luatu,C13da1d Are lnogliM luau9S13daid iuiuud 13 513 pa113011 aq twit uop0npa1 all `tudiouud sa0npal punjal 13 3i •1aM0 I0g 01 luatuAud 1001ip u 2upput Cq 10 010N 0141 1apun paMo p diouud 0141 5ui0np01 ,Cq punjoi sail 33413111 01 0S00110 lapuag •1aMO11og 04 papunjal oq JJTM shut' paunuiad papaaoxa t40ilM 1aMOIog al01J pal0awio0 ,ip13aliu sums Cue (q) puu 'lnutiw palliuuad am 01 Amp 0143 a0npat 01 Aussa0au 111n011I13 0141 sq pampa! oq hugs a113140 1113oi g0ns iiuu (13) :uagi 'smug pa11nulad 0141 p000x0 11130g 0141 qlo n 1101400111100 !i p01001100 aq 01 10 pa10at4O0 s0113140 111304 101410 10 4S010lut 0141 11311 os palaldlalui i(1413u11 Si M134 113141 puu tamp u13o4 umuuixuut Slas 14oi14M M13413 04 loafgns Si uu0g alt 3I •Mug am Aq 101UOUITulsui Xlunoas sup AI palignmoid 1(1ssoidxa 0113 113143 s00j amp lot Amu lapua7 00J Ions Jo 2uia113g0 0144 uo uotltqu401d 13 s13 panllsuo0 aq loo 11u14s 1ato11og o100j °m foods 13 a11310 Ol luatunllsui ,(lunoas sill 11 4 ,(1i1o144n13 ssoidxa jo 00lasg13 all `saaJ 10110 ,Cure 01 p1a01 UT •s0aj u0i113n413n pu13 uop0adsli Aliodoid `saga ,siCal1o1II `O3 paln.ui4 loo lnq `&ipnw0ui `1uaUItulsu11 ii11ln0as sia41 10131.111 s114 pare Alladold 0111 ut Isamu! s,lapuag 2up0alold jo asodlnd alp 10J `1in133ap s,10MO11og 1411M uoil0auuo0 ui pauuojiod sa04nlas 10J saa3 10M011og Sum lapuag •salmi° uuoZ •b1 •lapuag jo sugissu pare siossaoons 0141 UJauaq ram (01 uou0as ui paranoid su ldaoxa) puig pugs lu0umllsui ,C1i1n0as sup Jo sluatucal.2u pare sluuuano0 014 j lui1i1M ui as130401 g0ns Ol saa1g13 lapuag ssaIun luauttulsui i(lilnOas sill lapun ,Cliwig13uw ram suoilai1go s,10MO11og wog pasuaj01 aq 1011 4iu14s 10M011Og •1uauuulsui 411100S swap lapun slgauaq rate s114541 s ,10M011og JO li13 U1U1g0 Hulls `lapuag Xq panoldde si puu `Supi1M ut luautnllsui *moos sill iopun suoplgiigo s,10M01JOg saumss13 o14M 10MOZtog Jo Isamu' in lossa00ns ,iuu `84 u0p0as Jo suoisinold all 04 loafgns luasuoo s,lauais -00 013 1no141iM aloN 0111 10 luatuntlsui i(1i1n0as sill Jo saulal 0141 01 pm2a1 1411M suopupoumuo0013 Are 0341119 10 1uag1o3 `Jipou9 `puoIxa 01 aa1& auo 1aMO110g 101440 Sup puu lapuag 113141 s001S13 (0) pare `.11atunllsui *nmos sail (q paln0as stuns a141 Awl 01 palaiig0 1ww13uoslad loo 5! (q) 'luatutulsu4 i(1i1n0as sup Jo su1a1 all lapun )(11ado1d alp ui 1S0101u! s,lauSis -o0 0141 iC3n1100 puu 1u13a `ag13w4oul of ii4u0 llaumllsui *moos ObbiLtiti 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 6212981 ©-6(WY) (9904)01 Page11 of 15 414. 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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. 6212981 Cl1)®6(WY) (9904).01 Page 13 of 15 416 Form 3061 3/99 20050 -13 V1 661E 190E WJOd 1aMO11og- (i 1aM01.lOg- Ors) i p s 1aMO110g- (Rs) S L JO b L 96ed 1aM011Og- (m 3aMOUOg- (r s) aaMO.raog- (Ieas) L o (pose) (AM)9•� 186ZZZ9 :sassauu li ultra papcooa.z pup iamoiiog Cq poinoaxa (s)zapu Cue ui pup luauzntlsul *moos sn[I ui paureluoo slueuanoo pup suzzai aul of saaz& pup sldaooe iamauog `MO'Igg DNINDIS Ag 99 O STATE OF WYOMING, The foregoing instrument was acknowledged before me this 13th day of October, 2000 by MICHAEL STEVE BARON and PATRICIA BARON My Commission Expires: 9/12/03 6212981 6(WY) (9904)01 Page 15 of 15 Teton County ss: 4113 Notary Public Initia Form 3061 3199 I�) 20050 -15 Lo S 1 ,fuado.1d ag12UU AOO puu olgp auras OM 3o „1apuol [ssaappy rtIadold] C x�Ql� HDNVIn.SMI aDVDDIOIN SW80d 30V0111001 dWA .s�eU!uI wroj E to 96ed (b000) a 66 ;uewni ;sub WJojiun ae[ aiuued- Ailwed a(6u!s -lo eouninsui OBe6 ;ioW a ;e ;si ;inw T66ZTZ9 s,iainsui a8e8uour agl gu!SjIpow zo Vuui s .roj a5 reuoxa ui `aounznsui ogutrojAi ioj sluawrAud s,.lomoxrog jo uotuod u (su pazuap emilo oq 1ggtur .io) uzoij anpap lugl slunoure (,iiloartput JO Smarm) antaoa.r Sew `8uto2aaoj agi Jo Sue Jo algriJJu kw Jo ',Cliluo xaglo Auu `.1a.msuraz Cue 'Jams!! `alo),I aw jo iasegoind Cue `iapuoq `sluauraaau asagl jo linsai e sy •(surnturaid aouuinsui au21.1o1A1 wag paurelgo spunj apnput Maur goigM) aiquitene angg Amu Jams!! o5u51.1oUr am mil spunj Jo aoznos Auu 2utsn sluaurAud a31gu1 of 1aznsui ogu2pour a p annbar Sum sluaumaai8g asaq j •sluauzaaau asagi of (satuud io) Ted .raglo agi pue .ra.msut o2u5your ag1 of £ZOloeJsiles O1I lugl suonipuoo pug sUl1al uo a.re sluOUraar2u asogj, •sassoi aonpai JO `31 !1 .Irag1 Jipour 1O antis legl sound zaglo gIIM sluauraa13e ow! ialua Sum pug `aunt of amp wail ao1oJ ut OOUgmsut lions ite uo 3isiz tel01 ztagl aleniuna mina! oRe21.IOJA •aoUgmsui o5u8l.royAI my 01 Sued u lou st SOMod.IOg •paa.r2u se ueo7 agi Soda! 1ou saop aaMorrog 31 moot Sum 1] sassoi wino .roJ (aloN oql sasugoand lugl Slilua Suu Jo) zapua7 sas.mquua.i aoueansui affauoJAI .(66/£ uugl .ratlzua ST MIT J011100 11141 aaMoi OM le alep uuoj u sal wounulsui CitrnoaS agi 3i) 8 uotloas ro (zalei JO 66/£ 3o 1 0103 lg5 13Moi agi 11 alep Urio3 a soli 1UOUZn.rlsui Slt.moas NI 3i) OI uotloas Jo pug agl lu utm0II01 agi 8 utppe papuauru Si luaurrulsui *moos at LZtsa SMINOZM alUVHS annaa MIdnz 61. :1u paluooi pue luaum-rlsui Slunoas agl ut paquosap Z NI oHvui ao Hovva2IOAi 'VIOL XM 01 „aloN„ alp) mu [ales pox S a `alou jo ad it S3iluapt] S „TOMOS-r0g 011100S 01 „.JaMo11og poU is.1apun alp Cq uan!V clop cures agl jo „luaumusui &lu oos„ oql) paou 4moas .Jo `lsrul, Jo poo `o 11 4roy\I agl luauraiddns pug puaure of pauraap oq hugs pug olut pal1Iod.roout st puu 000Z '2go.O0 JO Sep ttA.ET apuur st Iapra aouumsui 0 11 410J stgj 06 316 i 6212981 G risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer' s risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (A) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (B) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. -1 1 R (0004) Page 2 of 3 Initial 1 10 Form 3160 4100 20744 -02 £o-bvcoZ 001ti 091.£ mod laMO11Og- (ieas) 1aMO11Og- (I s) laMOJIOg- (Ieas) C JO C aBed 1aMO.UOg- (Teas) 1amo11og- (TeaS) 1aMO11Og- (imos) (ti000) a 1.1. ®eD t86ZTZ9 •ivaumzisui Siunoas all sivauzaiddns pue spuatue letii saaBe pun Jam aoueinsui a2e3ioj, sup sidaooe zamouog `moiaq 2urugIs Jig