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HomeMy WebLinkAbout868622Return To: NATIONAL MORTGAGE OF IDAHO, INC. 230 EAST BROADWAY -P.O. BOX 4487 JACKSON, WYOMING 83001 Prepared By: SUSAN HARRIS KETCHUM, ID 83340 DEFINITIONS (A) "Security Instrument" means this document, which is dated September 26 2000 together with all Riders to this document. (B) "Borrower" is RONALD L. BOREN AND ELIZABETH E. BOREN, 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 6173439 WYOMING- Single Family- FNMAIFHLMC UNIFORM INSTRUMENT 010 (9904).01 Page 1 of 15 Initials: L A S VMP MORTGAGE FORMS (800)521 -7291 868622 [Space Above This Line For Recording Data] MORTGAGE RELE4, a f; tsscx- This M rt g ge SEE eno L`_,__ B MIMEO MEE3 PA iU 7 RECEIVED 00 SE L.+! BOOK 4 PR PAGE 01 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. 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A4aigs paapunH 9110 rapual SOMO IOMOJJOH will Sale1S alol\l a TI 0002 9Z aaqura.deSpal11p puu zamozzog fq pau2is 01011 £iossruiord am small „0101,1„ (a) °luautulsui IciunoaS sill rapun 00..011ow aqi Si zapua-I 1oo£e ONINOXM 'Mosxovr L 86V x013 '0'd- AVM0 ss'd'3 0 Z Si ssazpp11 s,Japuaq 044 (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 2 OF BEAR HOLLOW TWIN HOMES SUBDIVISION, LINCOLN COUNTY, WYOMING ACCORDING TO THAT PLAT FILED JUNE 20, 2000 IN THE OFFICE OF THE LINCOLN COUNTY CLERK AS INSTRUMENT NUMBER 866535 AND PLAT NUMBER 393. Parcel ID Number: which currently has the address of 302 BEAR HOLLOW CIRCLE [Street] THAYNE [City] Wyoming 83127 [Zip Code) "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this 6173439 -S(WY) (9904).01 Page 3 of 15 nitials: Form 3061 3/99 20060 -03 v0 0900° 6615 1.90£ WJO t to 7 '7 s�epiu� SL 40y°Bed 40'(4066) (AM)9•� 6£V£LT9 slunouru `alquiied azagm pun uagm `Apoallp ,iud iieis z3m0110g `1anrum gons ;o lump °111 ui •&upum ur aq AMID ,four lanrem gons ,ivy 'amp Sue le small molosg He .zo Niue 1o; spun j lapual o1 fed o1 uon qqo S I0M0110g °Arum Aunt lapua7 •su1a11 m010sg iiu 10 1o; spun; agl ,fed o1 uogango s,Jamonog sanrem .rapua7 ssafun small molosg 1o; spun,d agl .rapuo' /Cud Hugs Iamorrog •uogoas sigl .spun mud aq 01 slunoure ;o saoilou ire lapua' 0l gsluln; Xpduwoid !rugs .ramo.zzog •orali moz0sg ue aq !!errs sluaurssassu put. saa; `sanp gons pull 'la/autos Aq pamozosa aq `,Cuu ;l `sluarussassy puu sand `sang uopuioossy ,fllununuoD lugs almbaz but zapua-i `ueo7 aryl jo ur1a1 0111 O'uunp aui!) 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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 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 Conununity 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 6173439 6(WY) (9904)01 Page 5 of 15 Inilials:t� a Form 3061 3/99 20050 -05 90 661£ 1.90£ WJ 0 d Srio g e 6 ed y s eiqu 11 `anp mill 1ou .io .iaullagM luaunuisul &lungs sup Sq painoas sums am of palddr aq Hugs spaaooid aouemsut aql `pauassal aq pjnoM Slunaas s ,1apua'T Jo aigis11aj Simonuouooa iou s! i1. dai .10 uouiaolsar alp 3I •Jabonog jo uonu5Hgo ajos all aq !ills pue spaaoo.rd aoue,znsui all jo 1no pied aq 1011 ins .IaM0.uOg ig pautelai 'sawed pJU aallo i0 `sialsnfpe otjgnd Joj saad •spaaoold Bans uo annum .to 'swam! 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Iapua7 •sannbai lapua'j 1ug1 spouad 0141 103 pile (slang! algiponpap &utpnIou!) slunoure alp 1.t pau!111urem aq pegs aouemsut spa •00uumsut salinbal lapuaq g011M 103 `spoof p1r sa)lenbll.rea `01 mum! 1011 1nq Tutpnpui spun!! Jaw ,Cue pile „`aSelano0 papUapxa„ 1ural all ut11IM papnpu! plum" `0113 iq ssoj lsumge palnsu! Suadold alp uo impala 1013110101 10 2uilsixa Mou s1UauuanoiduI1 alp daa) !pis 1OMOI.IOH 'a0U11ansUl ,fjadom 'g •ueo'T sill glib UoilOau tmo u! JapuaT Sq pasn a0IA1as Su111oda1 10/ppU1 U011e01Ju0A xep alefsa T11a1 11 103 amp auup -auo 1 /Cud 01 10M0110g 011111)01 Sum Japua'T Uop0as sr1T1 u! anoqu 1uo3 las 61101401 all JO 010111 10 MO 0)111110110i1 all ,C3sp11s 1T11ls JOMO1JOH `lrant2 sr 009011 lop 1.o amp alp 3o sIiup of unil%M •11011 LTO 1.01,066) (�lM)9•� 6fi6SLT9 O8 8E 6173439 Cr)-6(WY) (9904)01 Page 7 of 15 Initials: tT L 018 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 Form 3061 3199 !�9 20050-07 80 661E 190£ WJOd 6 0 1 ale Liu 9L0906ed L o(toes) (Am)9-WI 6£6£LT9 `luaumalsuj dllmoas sup dq paanoas sums am of panddu aq Hugs sp000oad snoauu'Jaosm °141 `pauassai aq pinom klunoas s 10 aigisuaj djeotu ou000 Jou si andaa .io uopeJolsa.r ail jJ •spa°ao1d snoatruposm lions uo awn= 10 Isamu! dui Jamozrog dud 01 parmba.r aq 1011 hugs 1apun `spaaoo.1d snoauuiiaosq clans uo prod aq of lsalaluT saumbal mul a'quotiddy 10 3U9.1am ui apuur si luauraaau uu ssoma •palaiduroo si )iaom ail sit sluaurdud ssaigoid jo sus u ui .TO luaurasxngsip aiguts g Ul uorlulolso1 pug snl?dai ail aoj dud dum aapua-J •dildulold umieu°pun aq Hugs uoiloadsui Bans Nip papinord `uoiloujsilus s,1opu07 op palaiduroo uaaq sal N1OM a 'i1 aznsua 01 duodold Bans racism oi dlrunuoddo uu pug soli iapuaq itlun spaaaozd snoauuJJOOSryAi Bans Nog 011ggu alp snug hugs .Tapual `pouad uorluiolsa.r puu imdaa Bans pauassai 40U sr *moos s,iapua7 puu aigrsuaj iHuorurouooa sT 1ndo1 10 uotiu1olsal atJ1 31 `dpodo1d ag1 Jo in dal JO UO9u101s01 01 pa'idde aq 'Jugs spaaooad snoauejOosm 'ions `paguurep sr A1iado1d a •lapua-J o1 prod aq Hugs puu op paugissu ,(gaaag a.n spaaooad snoOuumos JAI Hy aanlpJaog :sp0000ad snoauuiiaastyAJ Jo luauraIssy ii •aloN ail uT paprnoad aqua alp 111 lsa.ralui dud of uoTl1 ijgo s,.10mo.uOg many HI u sup uT gunpoN •mu7 aiquoriddy dq pa.nnba.T sr uoriuunu1al'Thin 10 U0111 Unuaal lions 10J gurpino1d Japua'J puu JOMOI.10q uaamlag 1U0u1001a1 uallum Aug glrm aouupa000u ur spit° aoumnsuJ auguoyAI 10j luaurannbaa s,a0pua-J aril Hum `OAJOSal ssoi aiqupunjaa -uou E aprnold 01 JO `1O03j3 111 OOUemsuj agauoy'i mammal 01 palrnbaa sumnuaid a 'i1 dud 'Jugs 1amo1102 `aoumnsui agauoyAI 10J sumiulald alp p.nmol sluacuAud paluarsop dTaluredas a3iuur 01 pannbaz sum Jamo.T. OH pug ugo'J all guplum jo uolupuoo u sit oouuunsuj aHu3uoj pannbai lapuaq JJ •aouuunsuj au'uo ioJ suit-amid ail paemol sluaurdud paluug!Sap dialundas sagnbaa .iapua7 puu `paurulgo sr `a'quirunu saluooaq urn aapua7 dq paloaias iamsur uu Xq paprnoad (sannbar a°pua-J lugl pouad 0 'i1 10j puu Junoui ag1 uT) ammo a)UelnsuI agauoj, 3T sluauidud °Masai ssoi aarnba1 aaguoi ou ueo 1apua7 '0n1OsO1 ssoi 11011S110 s2ururea 10 1sOaalut Aug 1amo11og dud 01 paarnbaa aq Jou IJugs aapua7 pug nj uT prod dialumtlin Si ueo7 alp 111 'i1 1O"J alp gurpuulsg1Tml0U `aJggpunjaa -uou aq Hugs anlasal ssoi 'ions •aOUelnsuI auguoJA Jo nag uT anlOSal ssoi °iggpunJol -uou use maw/Cud °sag1 urela! puu asn ldaoou Ilan lapual loam uT aq 01 pas a UJOA0O aODUansuT ag1 uagm anp aaam lit 'i1 sluarudud p01gugrsap di01u1ud0s ag1 JO 1UnoUlu ag11apua' 01 dud 01 anu1luo0 Hugs aamoaaog `aiquirenu 1ou sr ammo OOLnmsUJ aeg11Oy'i luaienmba dHuTluelsgns jJ 10pua7 dq p°laaias aaansuJ 0guguoui aleu1allu rn wag loom uT disnorn°1d 0ouumsuJ agauoJA a 'i1 Jo aamoaaog 01 1soO alp 01 luaiunmba d'Ietluulsgns 1soO u lit loam uT dJsnornald aouu1nsui 0 2110w a 'il 0l luaienmb0 (HuTlumsgns 0`dglano0 un nQo 01 paarnbaa sumnuaad a 'i1 dud Bugs 1amo11og `aouumsul agapcgAT aoj sumnuaid alp paumol s1uouwdud paleugisap dialuledas a}iei11 01 paarnbaa sum 1amofog puu 0ouulnsuj golfs papinold disno[na1d 1t q1 aamsun agauou! 0141 uuou3 °'qu'luse aq 01 sawn aapuaJ dq paarnbaa aggaanoo aoumnsuI 0ga11OJA 014p `uosual due 1oj `jJ loam uT aouelnsuj 05ua10JAI 041 uTg1Untu of paambaa sumruiaad ail Sint 'tugs 1amo11og `ugol 0111 3upieui 3o uoiupuoo u sit aouuansui auguow poltnbai aapuag jJ •aaueansuj 02eg moyAi •Oi •guilum ut 1a10W ag1 01 6001211 1apuarl ssaiun anal 1ou Hugs app 004 ail puu mottos ag1 `duado1d °141 01 0J111 aaj saainboe 1amo11og 31 •asuai x141 3o suotsrnoad 0141 flu g1Tm diduroo Hugs 1amo11og `pio1asua1 u uo sT luaulnalsuJ dlranoas sup 3I luau/Cud guilsonbal JOMOlaog 01 aapua-J uro1u ao1lou uodn `1sala1UT lions g1Tm `aiqudud aq Bugs puu luatuas1ngsrp 3o amp °141 UTOIJ alga aloN 0141 lit lsaaalu! nag Hugs sumo= asst •luarutulsuj *moos srgl dq palnoas 1amo1aog 30 Nap muomppu aurooaq'Jugs 6 uorloas slgl aapun aapua-J dq posingsip slunotuu duy •6 uoIl0as sup lapun pazuoglne suogoe Hu 10 duo gupiel 1011 10j &lgiquiJ ou smomT 1apu0-J 11141 paaagu sr 1J Os op 01 uo11a11g0 10 Amp duo 10pun 1ou Si pug os op 01 mug 1011 saop 1apu0Z `6 uo1laas slip 1apun uo1lau a7'u1 dear aapua7 ggno'iliy jjo 10 110 pauanl wpm anti pug `suorlrpuoo snolauup 10 5U01p1JOIA °po0 101110 10 gurpirnq mantilla `sadtd mo1J 1alem u9ulp `smopulm puu sloop do pauoq 10 aouida1 `sroi aguu40 `saredai 0)Juu1 01 duadoad ail guu0lua `01 palnul' loo Si lnq `sapnJoul duado1d ag1 gurmoas Iulpa°oold i0ldnl1Juuq u ur uorllsod pamaas s1T guipnioui `1u°UmalsuI dllmoas sn11 lapun s1ggu aoipue duad0ad 0141 uT ls0101ui s1T loalo1d 01 saa3 ,si(au1o11u o8C8G 6173439 CD-G(WY) (9904)01 Page 9 of 15 0 0 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 clue. 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 Initials i Form 3061 3/99 1!,�9 20050 -09 06 661E 690E WJOd 5i. JO of abed y i y siellIei mil to(bo66) (AM)s 6£Ti£LT9 am iJLM si0T3uoo aloN all .io 1UO Wnllsul SIunaaS sup jo asnup l0 uoisinoid Su1 lug' mono am 111 •1011111100 &q luomooiau lanyau uo!uglgold u su pan.zlsuoo oq lou hugs aouails gons inq `luaus oq 10nu 1! Jo I01111uo° Aq aa1Wu of sap.red 0141 mom Apiorgdurr Jo Spioildxa ig5nu Mmg aiquogddy •Mng algeoilddy jo suoilulnuq puu sluama /mbai Suu of loafgns are luaumilsul Slunoas sug1 ur paunluoo suonaugo pug s1LJ 1.i lly •pa111OOT si Sindold 0141 14orlM ur uoiloipsunr aq1 jo noel aq1 puu M11l lmopa3 paulano5 aq llu14s 111a1unllsul Si sNL •uollona;suoD 3o saing :S3rlrgeaanas :Meg 2uruaano9 •91 •lualululsul ,61111005 sigl Iapun 1ua1ualinbal 8uiplrodsalloo 0141 Xjsi111s ITIM luaurannboJ M11g oiquollddy aqi `Mug ojq oilddy Jopun pa.iinbai osiu si luaiunalsul ,C1rinoas sop xq paunbal aorlou Aire 31 •lopuag Sq panic =al Swum 'pun lapuag 0l uani3 uaaq anuq o1 pauzaap oq lou pegs TuaurfIIsul ,CiunOOs sun 'il!M uoiloauuoo ui aorlou ,iuy •10MO.uog of 0011011 ,Cq ssalppl 1a141ouu paluu5Isap sgq iapua7 ssalun uiazaq palms ssalppu s,Iapuag 01 1111111 sop 15113 lr 2uiliuui ,iq zo 1! Surlanr'ap iq uan!S oq Iapua-1 01 aoilou JCuy *aunt 0110 i(ug lE 1Uau11uIsul Sirinmas sup Iapun ssalppu aorlou pal1arsap auo ,iluo aq Sulu alals •alnpaoold parjioads 114141 Ono1 ssalppm 3o amp u Uodal Siuo'lugs J0M011og uagi `ssalpp113o °Suu s ,IOMO110g 5ur11odoi Io3 alnpaoold u saijroads lapuag 31 •ssoippu jo o ug s ,J0M011og 3o Iapuag £piou STidwold Pugs IOMO.UGH •lapuag 01 aorlou dq ssalppu aorlou ainlrisgns 11 po11 ugrsap sgq 1/110110H ssoiun ssaippy SUadoid am aq hugs ssaippu aorlou aqj •asiAuoglo samba' Slssaldxa Mug oiquogddy ssalun slaM011og li11 01 00110U alnirlsuoO hugs IaM011og auo Cue 01 a0!IoN °sunaur 101410 ,Cq 11105 .li ssalpp11 aorlou s ,lamollog o1 paianiiap iilgnl =pa to ltgui SSElo 151x3 Sq palrelu uagM IOMO11Og of uani uooq anuq of pauraap aq 1114145 luaurn11su1 ,C111n0as sup 1 1M 110110au1r00 ui I0M0110g o1 aorlou ifuy lur1r1M ui oq lsnut 1UOIIU lisUI *moos si111 11l1M uorlOauuoo ur .zapuag zo 1aM011Og sq 1101115 5001101! Ily •5001 ;Oil *Si •021111401/0 gnus 30 loo 31IISIUE 0/111 Wpm 10MOI1og 11011011 JO 114211 CUE JO IannM 11 0l11U9SUO0 ll!M 10M011og o1 luaur,fud loam) Sq op= punjoi gons A11m jo aouunl00011 s,10MO11og •(aloN 0141 Iapun Io3 papinold s1 &.111p0 luauz,iudazd u 1011 10 10141014M) aarego luona dald !Cue lnogl!M luaua11dald 1111Ugd 11 511 pa111a11 oq IITM uorlonpal 0141 `iudiouud sa0npal punjal 11 31 •IaMOZrog o1 luaurS11d poly u gurslguz ,iq l0 O1ON 011 Iapun panto ndiouud 0141 Suionpal punjal sup as1111U 01 0500140 Amur Iapuag IaMOIIOg 01 papunJal aq iJIM mum pa11nu1ad papaa0xa ilorgM IOMOIIOg 111013 p0100100 Sp11alle sums SUE (CO pug `.mull paiinulad am 01 a; .rego aql a0npal 01 SJussa0au immure 0141 iq paonpai oq 'lugs aglggo um gons Sue (11) :110141 `51111114 palinulad 0141 14000x0 agog 0141 tillM 1101100111100 111 p02001100 aq 01 JO papal s0111140 tmol 101410 10 150101111 01(1 111141 os pa1a1d1alui 1CI1uUIJ sr Mu' 11181 pun `sa2111g0 11110' u1nu11xuur seas g0tgM Mu' 11 0l loafgns sr agog 014131 *Awl aiquorlddy ,Cq to IUaunt11sUI 'ilrin °S sun Xq pairgrjold ,Clssaldxa are 111141 saa3 08111140 1ou Sum Iapuag •aa3 gons 30 Su12111 'i0 0141 uo uorlrgigold 11 511 panUIsuoO aq lou gulp IOMO11og o1 aa3 0r31oods 11 &11110 01 laaunulsul Stigmas sup ur iCli1O ssal 3o aouasqu a'il `saa3 101410 Slue 01 plural 111 •saa3 uop11nlen pug uorloadsui Suadold `saal ,s,Cau1o111l `01 paining 1011 1nq `5urpnl0ur `luaumllsui ,flrin0as sup Iapun sitOr1 puu Slladold 0141 ur 1sOIO1UI s,Iapuag 5ur10a101d jo asodlnd 0141 103 'Timm s ,IaMOIIOg 14IIM uorloauuoo ur pouuopod sO0lnlas 103 sap 10M0110g 011110 Amu Iapuag •saJL'gj urn 'I •lapuag jo su2isse puu slossaoons 0141 11jauaq puu (OZ 110903S 111 papinold su ldaoxa) purq i1ugs luauzn11su1 iilrin0as sup 3o slua1uaal111 pun 51111111/00 0141 lu11i1M ur amp.' 'ions Ol saa1SE Iapuag ssalun luaum11su1 ilrin0as 51141 Iapun (1111quil pug sUOT1 !1qo s,laM011og 111013 pomp.' aq lou Timis IaM01I0g 'lualun11sUI S11n0as sell Iapun slgauaq pu11 s1g3r1 s,IaM011og 3o 11 unlgo Hugs `Iapuag ,Cq panoldd11 Si pue `2ur1r1M 111 luaum11su1 Smogs sun Iapun su011aI1g0 s,10M0110g saumssu o1M IOM011og JO 1S0101111 111 IOSSa001S SUE `8i uotl0as 3o suorsrnold 0141 01 loafgns •luasuoo s ,1augrs -o0 0141 inOglIM aloN a 'i1 so 1ualunllsul *moos sun 3o 5111101 a141 01 pD1 01 141!M SUOII11pO1uI1000E SUE 07411111 10 now ',Wow 'puma 01 001811 Imo IOMOIIOg 101410 Sur pun Iapuag 111111 500181 (o) puu 'luaurllllsul 'ilrin0as sup Sq painoas sums am 1C11d o1 paiu2 lq i1Wuoslad 1011 s1 (q) `.luau1nllsul X1.1111005 sun 3o suzlal all Iapun S11ado1d 0141 ur 1SOIOIUi 5,10111415 -o0 0111 SOAU00 pug 11111114 `0141114110111 01 Slmm 4UarunlIsUJ X1!111005 6173439 ©®6(WY) (9904).01 Page 11 of 15 Initials J 2ta 022 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 Form 3061 3/99 1�9 t 20050 -11 Z1 661E 190E WJe ,7 f 9 (0 9 L 1 Z L O6ed o(po661 (AM)9•w 6£b£LT9 •dnuuaiD j1luauWO1T /ug uu .loJ lapua7 110 uofl11 1igo ,Sue 0111013 Bugs ulalaq auupoN Me'i j11U0WU011 /ug 411M °oulpmo0u u! suo[p1 ieipowai Amssaoau jIU al ,fjldmoid iris 1amonog `,Sressaoau s1 Apadold ag12u11aa3je aouulsgns snop.rezuH ,Cue jo uo11e1pau1a1 zaglo 10 it /0uIa1 ,Cure 111141 'kind alenud ,41111 .zo `A1poglne ,clolujnSai 10 [U1UaUJUlana Sur ,iq pald!lou s1 .10 `sweat 1aMO11og 31 •iS1.1adold a4l Jo anion a smile ,ijaslanpu gonIM aouulsgns snopl1zuH r jo asuajoi .10 asn `aouasaid agl Xq pasnuo uompuoo Sue (E) puu `aoueisgns snop.luzuH Aou 3o asuaial 30 leanil 10 map.' `ag1goslp TUpjmaj `gu111ids ,Cue `01 pa1leu!! 1ou 1nq Sulpn `uo111puo3 i11uaU1uO1! /ug iSuu (Z) `aSpaJMOU)j junpu suq 10M0110g 4311M 3o Mu muauruoJIAug 10 a3U11sgns snOplmzeH ,Cue puu ,Suado1d 0141 211! /joM11! filled alun!id .10 Soilage £IO1E111 01 10 p ivaunua /o5 Sou fig uo9101 .1a1110 10 1lnsMUj `pueUlap `UITUp `uoilaIlsa /u! ,fum (i) 30 0311011 110111JM JapuaZ a/ta ,f[udUlold Hugs 10M011og •(sionpozd 1awnsuoo uT sao11u15gns snoplze4 `01 palnrnj lou lnq Iutpnpu!) ,Spadold 041 Jo aOuuualuL11W 01 puu sasn je1IUap!sal iuulJou o1 aleudoldde aq 01 pazLuS0oa1 ,Cllelaua5 are 1141 saouulsgns snOpleZRH jo saitluenb plus jo ,ipadold alp uo 0211101S .10 `asn `aouasaid all 01 ,ijdd11 lou Hulls saoualuas oMl Wu!paoald 041 •,Spadoid a jo alien 0141 S10aJJ1 dpsla/pr 11141 uoiupuoo a saluai3 `a3u111sgns snoplezeH m 3o as1ap1 10 `asn `aouasald 0141 01 alp `lOnjM 10 uotllpuop juluaunzollnug 11r sawn g014M (Z) `M11'i juluaulua4Aug Sire J0 U011ujo!/ u! s! 1141 (j) Apathy all 2u110ajju 5u441Aur `op 01 asp au0,fu1 M01111 1011 `op 1011 Hugs 1aMO11og •,S11adomd a11111 10 uo `sa0u11sgns snopl1zeH ,ium map ("Tummy 10 `sa0U11sgns snop1 zeH flue Jo as1ajal 10 `agtlols `iesodstp `asn `aouasaid all lnuUad 10 asnuO lou ins 1aMO11og •dnueaiD juluauIUOITnug 1119 1023111 asIM1a 10 `01 21/141111133 'mum two 111141 uOT1TpuoO u 51110111 „uo11lpuO) i11ua111uo1! /ug„ 1111 (j,) purr Mini Iuluauluollnug UT pautjap sm `1101101 ju /0U101 10 'wpm Impaula1 `1101101 asuodsai ,Sum sapnpu! „dnue013 jeloaunlol! /ug„ `.uo110a101d IuluaumoJ1A110 10 Slaps `411104 01 a11101 11941 palu0oi s! ,S11adoid all 01011M uopoipsuunf aql Jo SMUT puu SMUT imam SU10U1 „Meri jmluau1u01Tnug„ (z) `s1111a1UU1 a /1lo1oipel put `ap,S4api1UUo3 solsags1 alluleluoo sj1uaium 'maws 011111on `sapioigiaq put sapl0psad 3!x01 `slOnpold ulnaj011ad 0txo1 10 0! 19U1u eu 10410 `auasola)j `auliosug :saOuelsgns SuiMojj03 ail put Mu7 111uau1u01lnug Sq Sa1S1M 10 `s1UUlnjod `sa0u11sgns sn0plmzmg 10 31x01 su paugap sa0u11sgns aso41 are „saotrelsgns sn0plez1H„ (I) :jZ uopoas sup u! pas/ sy •sa0ue;sgns snop.1UZef 'iz •OZ uot1O0s sup Jo suols1nold 1101101 anl10a1100 03411 01 iS11un11oddo put 0011311 0141 JJS11ms o1 pa1Uaap aq H111s gj UO1102s o1 luenslnd 1OMO11og 01 uaATS 110111910100011 J0 0311011 all puu ZZ uojl3as o1 luunslnd 1aM011og 01 110/15 a1n0 01 A1iunpoddo puu 110111110100011 Jo a01lou 014 j 'Ova sup 3o sasodlnd 10j ajquu0sual aq 01 paulaap aq HIM pouad aunt 1141 `ualiel aq 11193 11011011 u1u1100 alojaq asdeja lsnul 1014M pouad own a sap! /old MU-i ajgmollddy 3I '1131131 0/11001100 03111 01 0011011 11011 Jo 214/45 041 101J19 pouad 0iq111JoS101 19 010104 ,cp1d 10413 a111 p0plo3Jr put 40Ua1q paaHe 4ons 30 (SI uoTIOas Jo sluauUa11nba1 a1j1 411M 00UUTjdulo0 111 110/12 0311011 gOns gpM) ,Spud 10410 041 pa1jpou sal 1ap11a7 10 10M0110g lions !ll `1uaUutulsUj ,S1Un0as sup `3o uosmal fig pamo ,Culp ,cue 10 `Jo uols! /old Sue pago1a114 sett ,Spud .10410 a41 1e41 saWajj1 1u1i1 1Uau1n11sui ,C111n0as s141 01 11rensind suo110u s,,Spld 10410 a41 iuouu sasur 1m41 (ssup r jo JaguIaul all 10 ma pH ienp!A!pu! 1111 104110 se) uoT10u mown! ,Cur 01 pautof aq 10 'WI `0ou0unuoo ,Sum lapual sou 1aMO11og 104110N •1as1golnd aION 041 cq papinold as!M1a410 salon 1asegolnd a1oN 041 ,Sq paulnssr lou are pue (s)10o!/1as 111137 1osS000ns u 01 pallaJsumll aq 10 100!nlas u10'i alp 41!M ureulal HTM 1aM011og 111 suol1Ualjgo Wu10Tn1as uloj 0 19 110w a41 `a)oN all JO lasmgolnd all um41 10410 =was ueo'i 1 Sq paOTnlas s! 11113'4 alp 1a1310la1j1 pue lops s! a1oN 0 4131 lu101n1as J0 1apsu111 Jo 034011 11411M uopoauioo u1 salmbal 0 2 4 VC:.f��v0itb 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. 6173439 d-6(WY) (9904)01 Page 13 of 15 InitialsLd Form 3061 3199 20050 -13 Y4 661E 1.90E Wood JOMOIIOg- (TeaS) IaMOIIOg- (IuaS IOMO.IIOg- IaMOI10g- (leas) (i'as) IaMOIIOg- ([eaS NadOS •Z Hs ZIZT q3 r) 7 I li uli" papiooaz pue .tamonog RI palnoaxa (s).lopu Sue ui puu Iuauini sul Sii.inoaS sicil ui pauieluoo sluuuanoo pue suual aqi of saaau pue sidaoou aannozaog `MO'Igg ONINOIS AEI 1 Z S1 1 t 960d IaMO.uog- (IeaS) IaMOUOg- (IEas) to (Yo6o) (AM)9•410 6£b£LT9 :sassauliM STATE OF WYOMING, The foregoing instrument was acknowledged before me this 26th day of September, 2000 by RONALD L. BOREN and ELIZABETH E. BOREN My Commission Expires: q 1-65 6173439 6(WY) (9904)01 Notary Public Page 15 of 15 County ss: In itials:(_.. (IL 1. A Form 3061 3199 426 20060 -16 60 b4LOZ 1,6ZL L 9(009) S0121Od 3OVO12lOW d WA Ce 77Q :sieup.0 a Jo abed OM 091E wiod (17000) a 6 6-41) ;uawnjsui WIoliu0 eeA eiuued -Anwed ai6ulS -Jepib eouejnsui eBeepoN ;e ;si ;inW 6£fi£LT9 s,laznsui oRatrow 0141 Ouijipoui 10 gul.re14s 1oj o2uugoxa ui `oouuznsui ogu4loj, 1oj sluaur/f1d s,zamoulog jo uopzod u (su paz11a1oumlo aq 11$1tu 1o) uroij an1ap loin siunouru (AIloalipul 10 Xlloaup) OAT030l dour `8u1OV0J0j ail JO SIu JO anugJJJ ATM JO `,0U0 101120 Su `1alnsural ,Cue `zainsui zaglouu `ai0N ail jo iosugoznd `zapuol `sluauiaadn asap jo lino' u sy •(swniurald aouulnsui °Wallow urozj paurelgo spunj apnpui Amu lonim) aiquirenu mug Suer zaznsui a2u2iioui ail 1141 spunj jo winos Sue 2ursn selow fud avw o1 ioinsur auallour 0141 azmbal Cuur sluauraaau moil" sluauraaau asall of (sallied 1o) 1Cl.iud 101410 ail puu zaznsu! a 01 A1oloujspus on 111141 suotlipuoo puu surzal uo az11 slu0uraaJ2u asa11 •sassoi amp! JO `Isiz mill &ipoui 10 mugs loin sound nip glint sluaura01 11 mu! zalua hour puu 'amp of arurl uro1j ao10j ur aauIlnsui ions 1111 uo )isr1 111101 min aluniuna s1alnsur agailoy\I •aouuznsui o2uJ10]AI 0141 01 1iuud u 1011 st zOM011og •paa1211 su U110'4 0141 ,iudaz loo saop 1amo11og JI hoot SEW 11 sassoi ureuao zoj (010N 0111 sasugolnd 111141 Slrlua ,puu zo) zapua7 sasznqurta1 OODUZnsui agutzoyAI :(66/£ nil zagzua Si 11111 z011103 11211 zaMO1 alp 111 owl) uuoj 11 surf luaurnrlsui 1! °°S a141 J!) 8 uopoaS JO (101111 10 66/£ JO z011100 1g2u zaMOJ 0141 lu amp ur103 u s11l luauIIU1SUI Sli1na0s 0141 J!) Oi uOrloaS Jo pea 0141 111 2 uIMOIIol 0 141 $ucppu iq papuaure Si luaurnzlsui Slumps ags L. [ssaappd CUadoad] LZIE8 SNIl^ZOAM HNXYHS H'i32iIO MO'I'IOH 2irdaff Z O£ :re pa111oo1 puu luaurrulsui *moos ail uI paquosap Auadold 0141 2urlanoo puu al11p aureS 01130 iopuoq ONI OHKQI 3O axial ON 'IVNOILYN 01 „aloN„ 0141) aloe form paxg •8•a `aloe jo ad,il iluapi] s,10M0110g moos of „1aMolzog paug1s1apun 0141 Aq =AO' 0111p auras all 30 „luaumllsui ,ilunoos„ 0141) p0OQ 4z1100S 10 1srul 3o poo `02112u0IA all luauralddns puu puauru 01 pump aq hugs puu oluc pa1111odzoOUt sr puu 0 00 Z 29quxe deS 30 Sup 1 149 Z Snip apeur sr zaprg aou11znsui a.2112lzoyAI snit WHORI 1JMV lf1SMI ADVDI2IOJA Obeu (B) 6173439 CD -11R (0004) 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. 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. Page 2 of 3 InitialsYj iZt 6 Form 3160 4100 20744 -02 CO wrn 00/4 096£ Wlod C )o a6ed 06000) 21 6 6 6£V£Lt9 laM011Og- (mas) IaMOIIOg- (mos) laMOuOg- IBMOIIOg- (InoS) (Taos) IaMOlIOg- (TnaS) 0 AIHZiOR 'R &LH 2'IH JaM011og- (mas) laM011og- (in laM011og- (MS) 77/77 ivaunuisui Xiunoas aqi sivauiaiddns pun spuaun u ingi sat pm Japig aouninsui aguSpoj, snit sidaoos zamozzog `moiaq WuiuSis Sg N RUOfi Z arlYNIOZi