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HomeMy WebLinkAbout86880802013897 Return To: HomeComings Financial Network, Inc. One Meridian Crossing, Ste. 100 Minneapolis, MN 55423 Loan Number: 041- 213149 -2 Prepared By: HomeComings Financial Network 14850 Quorum Drive, Suite 450 Dallas, TX 75240 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated OCTOBER 4TH, 2000 together with all Riders to this document. (B) "Borrower" is JAMES L. BARTLESON AND SHARON BARTLESON, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS. WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT WITH MERS MFWY7770 (04/00) 041 213149 -2 CZ) 6AIWY) (9905) Page 1 of 15 Initials' VMP MORTGAGE FORMS (800)521 -7291 RECEIVED i 1� C {1( I) C" ('i m 'E" CL E 868808 op OCT -6 ,ifCft r, [Space Above This Line For Recording Data] MORTGAGE BOOK 53 PR PAGE J 3 L. 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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 Instrumentand the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Legal description attached hereto and made a part hereof Parcel ID Number: 03100000024000 which currently has the address of 399 LINCOLN COUNTY ROAD 125 [Street] THAYNE [City] Wyoming 8 312 7 [Zip Code] (Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWERCOVENANTS 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 encumbrancesof 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. 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Aq papapas se `suuo3 &uRM011o3 alp 3o azour z0 0110 III alarm aq luaurnzlsul AltznaaS sell pug afoN agI zapun anp sluaurAEdfuanbasgns lir JO AUE 1E19 azrnbaz ii1WII zapua-- `pludun zapua-- ofpauznlaz srluauznzlsul Aliznoas sup JO aloN alp zapun luariged sr zapua'- Aq panTaoazluauznzlsuT z01190 JO pay Aug 3F 4 z0n0MO1-I •AouOZZno •S•n ur alarm aq pp111S2Uaummul AltznaaS spy pug OfoN 0143 zapun anp Sfuatuag uolloas of lugnsznd small Moz0sg zo3 spunj AEd osp1 ppEgs zamoz •aloN 0111 zapun anp S0a1Eg0 02E! put Saa1Eg0mom/cycloid Aug pug aloN agI Aq paouaptna Nap a11l `uo 1saz0lur pug `3o pgdpuud agI anp uagm AEd ppnts IOMOIJOH •saagg3 awl pug `saagg3 luauiLgdaad `swan ,noa3s3 `isaaaiuI udpulad 3o IuawAgd •i :sMollo3 SE Oa12E pug IUEUOAOO zapua'j p1E I0MOJ10 S,LNVNgAOOYARIO3INn SORB(INO 08 6880 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 agreementcontainedin 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 estimatethe amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreementis 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 accordancewith 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 CommunityAssociation 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 securedby 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 enforcementof 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 agreementsatisfactory to Lender subordinating the lien to this Security Instrument. If Lender determinesthat 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 MFWY7770 (04/00) 041- 213149 -2 6A(WY) ■9905) Page 5 of 15 53G Form 3051 3/99 66/£ L50E Waoj 511 11 9 abed (5086) (AM)V9 Z Ib0 (00 /1)0) OLLLAMdW l)lm `anp ualp lou'O "agpagM `Iuauinzlsuj tipunoas stun tiq pampas stuns all of paiidde aq Ins spaaaozd aoueznsut al) `pauassal aq pin0M Sllmoas s,1apua-I .to aigtsra3 t(Iluottuauooa ion sj "judo" J01109e1o1sa1041 3I 'zaM0z1og 3o uotpuSjjgo atos alp aq Ilels pug spaaaozd 3ouuinsut 0 t p jo no pied aq loU hugs 1amo"zog Sg puma' `sap)uud INN) "ow zo `s"°psnfpe opignd '03 wad •spaaoozd gaps uo aupuzea JO Isa .1apu! Sur 1am0z1og iced of pazlnba" aq )ou ilrls "apua'I `spaaoo"d aourinsui ipus uo pied aq of Isamu! saztnba t mul aiggotiddy JO 211911M tip apeut slluatuaaam ur ssatun •palaidtuoo si pot app se spuatutiud ssazdozd jo sajzas gut zo )uauttied abuts g utuotle10)saI pug szredaz all zo3 spaaoozd aszngsip Sum "apua'I Ipdunud uarpzapun aq jp q uoppoadsup fans 1el) papino .1d `uolpoejstprs s,lapua'I 04 palaidtuoo wag se11 3I1OM alp alnsua of tipladozd lions poadsup 04 SItunlloddo ur put[ seq 1apua'I Itpun spaaoo"d aaueunsul bans pjol 04 )q2u all angl itels 'apua'I `pouaduotlezo)saz pue "judo' lions 5uun j •pauassal Iou st £ltznoas s,zapuo' pug aigisea3 tiiiroptuouooa s1 "judo" 10uo1pgz0)sa1 all 3t `tipadold alp jo "pedal 10not)rzopsal 01 patidde aq Begs `zapua'i Sgpazlnba" SEM aaueznsuI 2upt(Izapun alp 1011 "O z3upagM `spaaoo"d aougznsut t(ue `�utpuM tit aaz2e aspm'agpO JOM011og pug zapua'T ssatun •1aMO1z0g t(q Spdtu0zd apgtu Iou j ssol 30 paid aolum Sulu zapua'I •zapua'I pug JOIJJEo aauemsuj all 04 aot)OU pdtuO "d ant2 timis zaMOZZOa `ssoi 30 1113n0 0111 111 •aat(ud ssoi Iguolltppm ue se zo /pue ao2e51"out sg zapua-I autuu Ilmis pug asngp aRa)1out pzupuels g apnpuj hugs Solod lions 'Spacial,' alp `3o uoponzlsap JO `0) auujup 103 `lapua -i Sq paztnba" a5 MZalpo Iou `a2rlan0o aougznsut 3O utI03 tine su1rlgo "amozzog 3I •530 1gmauaz pug stunjtuOzd Peed jo sldpaoaz Tie zapu3'I 01 aAl2 dpdtu0zd tie11s lamonog `sannbaz "apua 1 II •sapeop pno Iemauaz pue sapogod alp moil 01 11121z alp aneq iiuls "opua -I 00hed ssol IeuotpwPpr ug suzo /pue aa2r2pzotu se zapua'I atueu Begs pue `asngp a5uSl1otu p1upueps r °putout ITT `sala110d lions anolddus1p 01 pl s,l3pua -I 01 Iaafgns aq Hugs sajouod lions jo siemaual pug "apua-I Xq pannba" sat3god aoumznsuj IIF� •luautt(ed 2uplsanbaz 10M0110g 04 1apua'I wog aoplou uodn `453134ut lions 1p1M `aiggtird aq Tugs pugpuatuasmgstp jo algp alp tuoz3 ale" aloN alp lu 453134ut'gaq Inns slunotue asagJ •Iuautnz)suJ [(11"11305 splp ,iq pamaas 13MO110g 30 Nap Imuoptppe autoaaq Rugs S uo1loaS sp p zapun "apua'I tiq pas"ngstp spunotue tiuy •paurglgo aneq pinoo z3MOIJOg rip aougznsuj 3O )sop alp paaoxa t(puu3Jia1s I112itu pautelgo os 3Sr1an03 aouu1nsut agp 3o 4503 all Imp sa2paimouape 13MOZZOg 130lj0 ut t(Isnotna "d SEM uelp 02g"0no3 zassai JO zaleaz2 aptno'd nj5pu pug SItilggi1'o p "ezeq `)jst' Sur Istnae `&I1ado1d all 3o slua)u03 alp "0 `dpzadozd all rn tipinba s,l3M01JO `13MOJ1Og pa)OZd 4011 n4S uz zo �1gLtu )nq `"apua'I 13A00 Ilels auzan03 pus `a"opazagy ogennoo 3o Iunotur 1O adkj "rinolpzed Sur aselomd 01 Uotpe2gg0 ou "Noun st zapuai •asuadxa s,J0M01z0g pue uo1pdo s,1apua-i Ir `3 %U3n03 aaueznsut urepgo Sulu "apu3-I `anoqu paglzosap sa5ezanoo alp 3o Sur u1e)ulgtu 04 sJ1e3 z3M011og 3I •13Mo110g tiq uotpoafgo tie tu0z3 2ulpinsa" uotpeuttuzalap auoz poop Sue 3o M01n3I alp 1ptm uotpoauuoa tit )(may Sou3 13wg Iezapad alp tiq pasoduu saa3 Sur jo IuatuSud alp zo3 aigisuodsal aq osiu Ilrls zaMOZZOH •uo11rot31pz03 z0 uojpeuptualap lions Io033e Iti2 tit Aigeuoseaz g3tgM 111000 sa5ue1p "rungs zO autddetuaz atop raga saki p puanbasgns pue 533!A135 11o9e0t31pz03 pueuop1euptu"apap auoz pool; 103 amp 71119-0110 a (Z) 10 533!A "3S 2111)10E11 pug uopro13t11aa `u0ipuujtuz3lop auoz pooh 103 amp aurtp -au0 a (T) :131 13 `ueo'I spll lJ?M uo1pa3uu0o tit `tied 04 1aM0'10g altnb31 Sulu lapua'I •tiigguoseazun pasplaxa aq 10U Iimis Iq&u gatgM `3ot0tp s,13M011Og an0lddgsip 0I I1121z s,zapua1 04 poafgns 13M011og t(q uas0ua aq in s aaug1nsut alp 2utptno'd'ap'ze0 aoue1nsut all •ueo'I all 3o U1101 alp 5uunp aur113 tiro saouapuas 2utpaoald alp 01 pugnsznd sa1mba" "appal IrgM •sa gnbaz lapua'I Imp spouad alp zo3 pug (signal aigponpap Suppnput) slunotur alp up pautr1utrtu aq tugs aau1'nsut S1l.L •aaugznsut sa"Inba' "opua'I tiotgM zo3 `spooT3 puesa)ignb1p1 3 `0I palttutl Iou 1nq `2utpnpup spzmzel zallo Sur pue „`a2gzan0o papualxa„ W13p alp uppjm papnput sp"ezeq `a .1t3 tiq ssoj lsute2m paznsuj tip"ad0zd agp 110 pap= 1aljra .1ag JO Su1psixa MoU sivatuanozdtuj agp daa)I 11e11S zaMOZZOH •aaugansui Spaado"d •s •ugO'I stop ERA 110113=110o tit zapua'i tiq past aaln "as Sutl "oda" zo/pue uolproppan 3M1 31g4S3 Imaz r 103 amp atop) -auo a tied 0) JOM011011 0.11111)01 !(etu lapua1 17 uo1loas sig) tit 3Aoge 1 110310S suotpog alp JO 310111 z0 0110 04E) 10 u ati 01 1) 4s1)gs HMIS Z3M01 .1Og `1.10nt2 si 33140111etp latgM 110 ale) 3 11 JO sump OT UtlpIMlcl •uatj Obt,8808 538 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 Instrumentand 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 condemnationproceeds 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 proceedsfor the repairs and restorationin a single payment or in a series of progress payments as the work is completed. If the insurance or condemnationproceeds 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 reasonablecause, 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 inaccurateinformation or statementsto Lender (or failed to provide Lender with material information) in connection with the Loan. Material representationsinclude, 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 agreementscontainedin this Security Instrument, (2) there is a legal proceeding that might significantly affect Lender's interest in the Property and /orrights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnationor 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 /orrepairing 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 114PWY7770 (04/00) 041- 213149 -2 (®6A)WY) (9905) Page 7 of 15 Initials Form 3051 3/99 66/£ LS0£ WJOJ 5t ;o8a6ed (8066) (AM)V9 Z (00 /170) OLLLAM31 `luaumzlsui i-liznoas sup Ail paznoas sums aria of pai1dde aq hers spaaaozd snoauellaosiJ, aril pauassai aq pinoM Sliznoas s,zapua' _to algiseaj Sllgoiurouooa ou sr ziedaz zouoilezolsaz aril 3I spaaaozd snoaueHaosm gons uo s2urun o zo Isazaaur Niue zamozzog iced of pazmbaz aq lou hers zapua' `spaaaozd snoauriposm gons uo pied aq of lsazaluu sazmbaz me' algeoilddy JO SuiluM ur apruu srluauuaazSe ur ssalun •palalduroo sr 3poM gip se sluaurked ssaiSozd jo sus a ur /o luauzaszngsip alSuus a ur uoulezolsaz pue szrrdaz aril Joj /cud Diem Japua' •SpdmoiduaAelzapun aq Hurls uoiloadsuu ipns leg! papinozd `uopoujsiles s,zapua' of paplduroo uaaq sell zpom gill aznsuo of SIzadozd lions loadsuu of iliunlzoddo ue purl sell zapua' !pun spaaoo1d snoaueuaosij, lions moil of lgSiz gill aneq Begs zapua' `porzaduorlgzolsaz pue zre(la i gons Suu a •pauassal lou sr Sliznoas s,Japua' pug aIgiseaj (tieorumuooa sr ztedaJ Jo uoilezolsaz alp 3i `SIzadozd aril jo zredai zouoilezolsaz of paildde aq jig's spaaoozd snoauellaosry%I ions `pa5euuep sr Alzadozd alp 3I •zapua' of pied aq !legs pue of pauSrsse dialog ale spaaoozd snoauellaosq IIFT •aanpia3JO3 spaaaozd snoauripasry&I jo puaruu2Issy •IT •aloN aril ur papinozd ale/ aril 1g lsazaluu iced of uoile2ggo S,J0MO110H manse OT uoiloas sup ur SuigloN Me' algeogddy Sgpazmbai suotleuiuual !pun zouoileuiurzal lions zoj Suipinozd zapua' pue zamozzog uaamlagluauuaazSe uallUM Aim ipmaouupz000u ui spua aoueznsui aSeSlzoyAA zo3luauuazmbaz s,zapua' aril 'pun `anzasaz sso!aigepunJaz -uou a apinozd 01 zo `lama ui aaueznsui aSeSlzow uugluiem of pazmbaz surniurazd gip iced Hurls zamozzog `aoueznsui aSeSlzoJ ioj surnruzaid gill pzemol sluauried paluu2Isap Slalriedas alum of pannbaz SUM JO /MI.10H pue ueO' aril Suppm 3o uorlipuoo a se aoueznsui aSuSlzoIAIpazmbaz zapua -I 3I •aoueznsui aSe53101A1 zojsuinruuazd ail pzemol sluauukedpaleuSrsapSplezudas sazunbaJ zapua' pug `pauuelgo sr `algeliene sauuooaq !gar zapua' Sq Impalas Jana!! papiAozd (sazmbaz Iapuari leap porzad alp zoj pug lunome alp ut) ammo aougznsui aSuSlzoyq 3! sluaurked anzasaz ss0! azrnbaz zaSuoi ou ueo zapua' •anzasaz sso! gons u0 SSuruzea JO 1S0J0114 /cue zamozz0a /cud of pazinbaz aq lou !legs zapua' pug `IlnJ ui pied Spieuupin si ueo' ail leul 13g3 alp Suipuelsglimlou `algepunjaz -uou aq Hggs anzasaz sso! gons •aougznsuj aSeSlzow jo nag ui anzasaz ssof algepunpaz -uou a se slualuSed asagl urelaz pug asn `ldaoae Him zapua-! •1oa33a uu aq 03 pose= aSezanoa aaueznsur aril uagm anp glom leg! sluauardpaleu2Isap iilalezudas alp Jo luau= gill zapua-! of Sed 03 anupuoo !legs z0MOJ10H `algeliunu lou sr aSuzanoo aouemsui a2e51JOJA lualenmba Slleiluelsgns jj •zapua' Aq paloalas zaznsur a2e51z0111 aleuzalle ue W013 `100330 ur (lsnornazd aoueznsui aSeSlzow aril jo zamozzog 03 Ism alp 0I lualenmba llgiluelsgns lsoo u lu `log a ur Sisnoina /d aoueznsui aSeSlzoyyl alp of lualentnba Si eiluelsgns aSezanoo uuelgo of pazmbaz suunruuazd gill pied Hells zatrionoa `aougznsui a2r2lzoyq zoj sumiuuazd alp pzemol sluauged palgu2isap Slalezedas aalem 03 pazrnbaz sum zaMOJ1Og pue aoueznsur gons papinozd Xlsnoinazd leg! zaznsuuaSi iiouu alp uuo.i3 algelignu aq of saseao zapua' Sgpazmba1 aoueznsui aSeSlzoy\I aril `uoseaz iiue Joj `3I loam uiaougznsuiaSuSlzow mpuieluueur olpazinbazsumtuuazd alp iced ins zamozzog `ueo' alp Sui)leur jo uorlipuoo a seaoueznsui a2g2310j pazmbazzapua' 3i •aatounsui a2e3paow •pj •SupTM ur Ja i= aril Ol =Be zapua' ssalun aSJaur lou Hurls app 03j aril pug mimeo! gill `ilzadozd aril OI app aaj sazmbou zamozzog 3i .areal gip jo suois!nozd alp He glint Xtdmoo hers zamozzog `plogaseaI a uo srluaurnzlsu! Iilrznoas sup jI •luaurked Supsanbai zaMOJJOg of zapua' uzoz3 aorlou uodn `lsazalu! gons Tim `alquSrd aq !legs pug luauuaszngs!p jo alep gyp uroij alez aloN alp le lsazalur Iraq Hugs slun0ure asaq j •luaurnzlsui Xliznoas sup Sq paznoas J MOJIO1 3O !gap leuoulippg among hers 6 uoiloas sup Japan zapua' paszngsip slunome Auy •6 uoiloas sup zapun pazuoglne suoiloe IT Jo Niue Suplel lou Joj £shies! ou sznour zapua' lep paazSe s! li .os op of uorle2ggo Jo Alnp Niue Japun lou sr pue os op of aneq l0u saop zapua' `6 uoiloas sup zapun uoiloe 3)jui ARM zapua' 1Snoglly •330 Jo uo pauznl sarliIiln aneq pug `suorlipuoo snoza &uep JO suouleloin apoo Jaglo JO Su?piinq aleuiruga `sadid ruoz3 JaleM uiezp `smopurM pug sloop do pzeoq JO aogdaz `s)po! aSurip `szredaz glut' 03 SlzadoJd alp Suuzalua `03 paliruq lou sr lnq `sapnpur Slzadozd gip Surznoas •Suipaaoozd Soldnnlugq u ur uoulrsod pampas 51! Su!pnpuI `luaumzlsui Iiluznoas sup zapun slgSizzo /pue Xlzadozd alp Tulsa/mu! sir laalozd of saa3 ,sSauz0llg 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 securedby 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 attributableto 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 amortizationof the sums securedby this Security Instrumentgrantedby Lender to Borrower or any Successor in Interest of Borrower shall not operateto release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commenceproceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortizationof the sums securedby this Security Instrumentby reason of any demandmadeby the original Borrower or any Successors in Interest of Borrower. Any forbearanceby 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 amountsless 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 MFWY7770 (04/00) 041 213149 -2 ®6A(WY) (9905) Page 9 of 15 5 '10 Form 3051 3/99 66/C 6905 WJOa :8112111U) SL 1O0L aged (SOSe) (AM)V9-wry Z 617i£iZ ub0 (00 /b0) 0LLLAMdNI afgeogddy tpum sp ijjuoo aloN alp z0luauinzpsui Sptznoas sign jo amp z0 uotstnozd dug Trip lima gip ui •lopzpuoo Sgpuautaaztg psumgg uoiaigigozd a se panr uoo aq you iiegs aoualts tons lug `malts aq 1g2tut It JO loezpuoo aaz2p o1 satin d alp molly Spptiduu z0 Sptotldxa 1112tui mri aigpogddy meZ alggogddy jo suotpgltunl pun spuaurazmbaz SUE op poafgns azp luatunzpsui Sltznoas sup ut paun uoo suotpaggo pug slg211 uy •pairool sT Sjzadozd agp toitm uT uoiaotpstznf alp jo mgf all pun mgt Imapa3 kg pauzano5 aq ins luaumzpsui 6ptznan siaa, •uoilanaisuo3 3o suing ulignaanas :,11g7 muaano' •9l luautnzpsui Aumoas sill zapun luautaztnbaz 2uipuodsazzoo all 63stprs !um luautazrnbaz mr i alggogddy ail aigpogddy zapun pazmbaz osli sTpuaumzpsui Sumoas sup Aq pazmbaz aoi ou Sup 3i •zapua-I paniaoaz AIlenp r itiun zapua-i op uantg uaaq aneq op pautaap aq iou hits luautnzpui Sltznoas sup. gpim u0poauuoo uT ao1lou Suy •z0MOII0g of aotpou kg ssazppe zalpour paiiatsap sng zapua-i ssalun man!' pawls ssazppe s,zapua-1 op um! ssgp pszT &q 1t 2ugi w Sq 10 pr 2urzangap &q aq liens zapua-i op aotpou ,iuy •autp auo fug ig luaumzpsui Liptznoas sup zapun ssazppe aotpou paiivatsap auo kiuo aq Arm azauJ, •ampaoozd paijioads pntp uSnortp ssazppe 3o auI1p g pzodaz Apo Begs zamozzog uagi `ssazppe jo a�ugto S,zam0zzog 2utpzodaz zo3 aznpaoozd p Saupads zapuari 3i •ssazppe 3o aurip S,zamozzog jo zapua-i &ji ou Spdmozd filets zamozzog •zapua-i of aotpou Sq ssazppe aotpou alnptisgns g papgu2ISap Mt zamozz0g ssalun ssazppy Sizadozd alp aq hies ssazppe aopou aIJ, •as1MZatpo sazinbaz (issazdxa mr i alggot1ddy ssalun Szam0zz0g lie 01 aotpou apnlpsuoo nets zam0zzog am Slug 01 aoipoN scram zatp0 Sq pugs 31 ssazppe aotpou s,zamozzog 0) pazantap Aiieniog calm 10 Itgul ssgp iszij Xq paltput uatm zam0zz0g op =AO uaoq aneq oppautaap aq IlegspuauIui sun i1TZnoas sup gitmuopoauuoo x!Zamozz0g o1 aotpou Xuy •2u11izM uT aq lsnur luauznisui'ptznoas strip gptm uotpoauuoo ut zapua-1 z0 zamozzog Xq =AO saoipou iiy •saaiioN •sj •aazegozano tons 30 pno 9utstzg aAeq 1g2tul z0m0zz0g UO11013 3O ill &tz fug JO IOATDM i ainitlsuoo iltm zamozzog op puauried poaztp apeuT punJaz tons Niue jo aoupldaoop s,zamozzog •(apoN alp zapun zo3 paplAozd sr amp puauth dazd 1011 10 zalpgm) amp luauggdazd Niue pnogprm luauuiidald 1ptizpd g su mean aq iuum uotponpaz alp `iediouizd manila! pun3az p 3i •zamozzog o1 1=u/cud pup g 2upjpui JO 01oN alp zapun panto Irdpuizd ag12uionpaz Sq pump/ sup arm of as0ogo Arm zapuari •z0m011011 op papunpaz aq !um sptutg paipturzad pap000xa ioigm zaMOZZOg iuoz3 paioalloo Xpgaiig surns fug (q) pug `iiuu1pappturzad alp op amp ati aonpaz 01 Anssaoau iunoum at!) Sq pampa' aq !lets azgio urol ions Aug (g) magi `sum!! paipiuizad alp paaoxa ugol alp tltm uotpoauuoo ut papaiioo aq 01 z0 papogiioo saazpto ui0l zatpo z0 lsazaltu alp imp ospalazdzalui Xllpuij st mil legs pug `saazego ueol utnunxeut spas ioigM Mel g of paafgns sr upo-i alp 3I aigeoilddy zo puaumzlsui Spiznoas sup Aq pa1TgTgozd LTssazdxa air peep saa3 agzeio you Amu zapua-i •aaj lops 30 Smairto aq1 uo uoiligtgozd p se panzpsuoo aq you Bets 1 M0110g 01 aaj oijtoads g a21ego opluaurnz1sui Auxins sup uT S1TZ011ue ssazdxa 3O aouasgp alp `saa3 zatlo Sur o1 pzaaz ui •saa3 uotprnipn pup uoTpoadsut Slzadozd `saa3 ,sSauzo1lu `01 paptuui 10111nq `5`utpnpui luautnz1sui £itznoas sup zapun s1q.21z pup 1pzadozd aq1 ut Isazalut s,zapua-i 2utloa10zd jo asodmd alp zo3 `1lniJap S,zaMOZZOg trim uotpoauuoo ui pautz0Jzad saotnzas z03 saa3 zamozzog agzego Amu zapun i •598ago ugo-I •tit •zapuoi 3o saisse pug szossaoons gip lt pup (OZ uoipag uT paptnozd sp ldaoxa) putq Tints 1uautnzpsui Stmoas sup jo s111autaaap put siunuanoo aqj •2ut1tzm ut amp.' tons 01 Si aate zapuo i ssaiun1uautnzpsui ,iptmoas sup zapun iiptpgeti pue suoilaggo s,zamozz0g utoz3pasgapz aq mu Begs zaMOZZOg •luautnzisui Sprznoas step zapun s1T pug S,z0M011Og 3O Ing uirlgo trek `zapua-i Sq panozdde St pug `gutpTJM utluaumzpsui IpTZnoas stlp zapun suopOugo s,zamozzog sautnssg oqm zamozzog 30 1sa.tapui uT zossaoons Sur `gl uot1oas 30 suotstnozd alp 01 loafgns •luasuoo s,zau2is -oo agp lnog1TM a1°N my 10 1uautnzisui Iiptznoas sup 3o suizal alp 01 pzn2az 11tmsuopepoummoog Sue arut 10 zpagzo3 `Appout `pualxa 01 wag um zamozz0g zagpo Sue pug zapua11gt1 saaBr (o) pug `.luautnzisui Li1jmoas sttp Sgpamoas sums alp /led 01 palaggo iiiliuoszad you sT (q) `.1uaumz1sui S1tznoas step jo slum aq1 zapun Spzadozd all uT lsaza1ul S,zau2is -00 agp SOAUO3 pug luezg `a2121zoul 01 /quo mamma' Slunoas soRsnqo OSCSSOS 542 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 transferredin 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 Interestin 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 prohibitedby 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 Instrumentand the Note as if no accelerationhad 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 reinstatementsums 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 reinstatementby Borrower, this Security Instrumentand 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 unrelatedto 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 MFWY7770 (04/00) 041- 213149 -2 04-6A(WY) (9905) Page 11 of 15 Initials: Form 3051 3/99 66/£ L90E W EVS 5 L i° Z L g (s0661 (AM)V9- CT) Z r170 (00 /b0) OLLLAMtlY1t •dnueajj leluauruortnug uu zo3 zapua-1 uo uoqaggo Sur aluazo jpels urazag 2uitpo j •MUi puluauuuozinug glint aouupz000e ur suotloe peipauraz Szessaoau llu axed Spdtuozd !legs zanto.i.iog `Szussaoau sr Slzadozd all 2upoaje aourlsgnssnopzuzu-J Niue jo uotluipauuaz zaglo zo lunouuaz SUE lug) �ilzud aluntzd Niue JO `Spgzollne Szolepnlaz io luluautuzano2 Niue ,iq patiglou sg JO 'MIEN zamozzog Ji °dlzadozd agp 3o amen gip spoapr Slasianpe "MUM aouepsgnssnopzezepd u jo amp/ zo asn `aouasazd all Xq pasneo uotlTpuoo Sur puu `gouulsgns snopzezuH Xuu jo asuapz jo Irony JO amp.' `aazugosrp Tupjeal `2ugjrds Niue 'col pajrtuq lou jnq 2uipnpur `uoptpuoJjeluatuuortnug. in (z) !apapmoux Tumor seg zamozzog pgpM 3o me-1 pluautuortnug zo aouelsgns snopzuzuH Niue puu Sp dozd all 5utnlonut Spud alrApd JO /collar Xiol gaaz JO jepuautuzaA0 SUE /iq uotpou 1 1jl0 zo lmsmul `pueuuap `turep `uopapsgnut St= (T) jo aotlou uallio n zapua' ang2 1ipdutozd limp zamozzOH •(spnpozd zatunsuoo ut saouelsgns snopzezeq `01 paluurl lou lnq lutpnpug) Xlzadozd al� 3o aoueualureuu op puu sasn lrpuapisaz jeurzou of aleizdozdde gq of paz!UUooaz iiljezaua air mil saouelsgns sn0pzezeH jo sarlquenb !!outs jo Mzadozd all uo aezops zo `asn `aouasazd gip of Aiddu lou imp saoualuas ow 2urpaoazd aqy •Mzadozd all 3o anpun all Sp3Bu Sjaszanpe rip uorlgpuoo a saleazo `aouelsgnssnopzuzuH jo asuapaz zo `asn `aouasazd all of anp `gMgM zo uotltpuoDjuluauruortnug uu saluazo'MUM (z) `Mug jeluauruozrnug Niue 3o uoilujorn ut sr lull (t) Alzadozd all 2utloaJie &ugglXuu `op 01 asp auoiiue MOO zoo `op jou ljugs zamozzog Slzadozd all ut JO 110 `saouulsgnssnopzuzeH Slur aseapz olualeazlp zo `saouepsgns snopzezeH Sur 3o asuapaz zo `auzols `jusodsip `asn `aouasazd all lTutzgd zo asnuo loo ijugs zaMOZZOg dump ND juluautuortnug uu zanul asiMZagp zo `ol ainquluoo `asneo uuo win uoilipuoo u suuauu „uotlgpuo3 puluatuuozrnug„ ue (t,) pug Anripluguuuozgnug ui pautdap su `uopoe junouraz JO 'WIPE jeipauraz 'wpm? asuodsaz SUE sapnpur „dnuuajj juluauruozrnug„ :uopoalozd juluauuuozgnua zo Maps `twat 01 apejaz pelf Nino! st iipzadozd all azagM uoiloipsgznf alp jo sMUj puu sMUJ puzapoj suuauu „MU-1 luluautuortnug„ (z) `.sjugzaleuu anpoeogpez puu `apilappeuuo3 JO solsagse 2uiuieluoo sjeizaluut `sluanpos gpilepon `sappggzal puu sapppsad oi%ol `spnpozd utnalozlad oixol JO ajgetutunT3 zagpo `auasozax `atgjosu5 :saouepsgns 5ugMOjlo3 all pure me- ppulugtuuortnug ,iq sapseM zo `sluelnjjod `saouepsgnssnopzezeq zo oixol se paugap saoueasgns asogp air „saouulsgng snopzezuH„ (J) :TZ uopoas sup ut pasn sV •saouulsgns snopauzuH •iZ 'OZ uotloaS sup 3o suorstnozd uorlou anrloazzoo axul of X1Tunlzoddo pue aapou all Sjsipus 01pauuaap a plugs gZ uorloas of luuusznd zamozzog op uanr2 uotpezajaoou jo aotlou gip pug ZZ uopoas 0l luunsznd zaMOZZOg 01 uaiq azno 01 Mgunpoddo pue uotpzapaooe jo aopou aqs •gdri2rird sup jo sasodznd ioj glgeuosuaz aq 01 pauraap aq !!!Ni porzad amp lull `uaxel aq ueo uorpe utrizao =jag asduja lsnur goulm popad atutl u sapinozd MEI oiquoipddy 3l •110p Or antaoazzoo axel op aopou lions jo &uint2 all zg �3u popad ajquuoseaz u 010104 1lzud zallo all papzo3jr puu loeazq pa2ajp lions jo (gT uogoas josluguuazgnbaz gip 1pM aouulduroo ut uani2 aopou Ions glint) Spud zauplo aql pappou sug zapuarl JO zamozzog lions !pun `luauunzlsul SIgznoaS sup `Jo uosuaz Se! pamo ,ilnp Niue JO `JO uotstnozd &uupggpeazq Sul dlzudzallo all lull sa2apju Imp zoluatunzlsui /lgznoas sup 01 luunsznd suotloe s�ilzed zaglo all uuoij sasur, imp (ssep u jo zaquuatu all zo luatltl lunprnipur uu zallga sr) uogloe irloipnf Niue 01 pup!' aq JO 'UM' `ouacuutoo Setif npuoi zou zamozzog zallial�i •zgsugoznd aloM gip papgnozd asiiiagpo ssapun zasuloznd glop agl Act patunsse you air pug (s)zaognzas ueorl zossaoons a olpazzaisuuzl aq JO zaornzaS ueo-i agp gpIMUguUuaz 1pgMZamozzog 01 suopallgo 2ur3tnzas uuoj aSalzotu all `aloN all jo zasugoznd all uugl =Do =wag ueo-i e /iq paornzas sr uuo-1 alpzalieazall puu pjos sg glop all 3l 2utoinzas jo zaJsuezl jo aotlou a gl!M uotloauuoo ur saztnbaz osussos 544 NON UNIFORMCOVENANTS. 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. MFWY7770 (04/00) 041- 213149 -2 6A(WY) (9905) Page 13 of 15 Form 3051 3/99 66/£ 6906 WJOd SOMOIJOa- SOMOJJOa- (isgs) (Isas) S9MOJJ0 (i JOMOJJOa- (isas) 12MOSIOg- (I NOSTI,LEVE NOZIVHS S L ;O i L e6ed •li gum papzooaz pus zamo uoa palnoaxa (s)Jaw Sus III pus luawtu sui Aliznoas sigl ut paureluoo slusuanoo pus suual atp of saaJBs pus sldaoos Jam0JZO1 `MO'IaH OAIINOIS Alf NM .10/110.1.1011- (Ms) IOMOSJOH- (9068) (AM)V9 Z (00 /b0) OLLLAAAdNN :sassault_ soRS O b88t)S STATE OF WYOMING, County ss: The foregoing instrument was acknowledged before me this 4th day of October, 2 0 0 0 by JAMES L. BARTLESON AND SHARON BARTLESON, HUSBAND AND WIFE My Commission Expires: 9. )g' .U3 PENNY JONES _NOTARYPUBUC rr State of Count/ "l t� Wyoming Lincoln Commission Expires miler 18 2003 MFWY7770 (04/00) 041 213149 -2 6A(WY) (9905) Page 15 of 15 Initials: 546 Form 3051 3/99 EXHIBIT "A" A portion of the property referred to in Instrument No. 747059 filed in Book 309 P.R., on Page 186, within the SW1 /4SW1/4 of Section 14, T34N,R119W, of the 6th P.M., the Town of Thayne, Lincoln County, Wyoming, the boundary and area being more particularly described as follows: BEGINNING at a P.K. Nail set at a point in the South line of said SW1 /4SW1 /4, said point being 684.03 feet S89 °10'42 "E from the Spike found marking the Lloyd B. Baker PE/LS 698, 1974 location for the Southwest corner of said Section 14 (514- S15- S22 -S23): thence NO °49'18 "E 145.73 feet to an Iron Pipe set at a point in the North line of said property; thence S89 °35'33 "E, along said North line, 225.17 feet to an Iron Pipe found marking the Northwest corner of the Luthi property referred to in Instrument No. 785009 filed in Book 352pr, on Page 449; thence SO °40'18 "W, along the West line of said Luthi property, 147.36 feet to an Iron Pipe found marking the Southwest corner of said Luthi property, being a point in said South line; thence N89 °10'42 "W, along said South line, 225.17 feet, to the Point of Beginning. SUBJECT TO: A 30 -foot Right -of -way Easement, along the South line of the above described Parcel, being the North portion of Roberts Avenue. 547