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HomeMy WebLinkAbout868604WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007689185 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 September 19, 2000 together with all Riders to this document. (B) "Borrower" is DOUGLAS B HILLYARD and LONDA A HILLYARD, husband and wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. Lender is a Corporation organized and existing under the laws of The United States of America. Lender's address is 485 Washington Afton, WY 83110 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated September 19, 2000. The Note states that Borrower owes Lender Two Hundred Thousand and No /100 (U.S. 200, 000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than October 1, 2030 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. i i n Space Above This Line For Recording Data MORTGAGE i II WYOMING- Single Family Fannie Mae /FreddI. Mae UNIFORM INSTRUMENT I.T. 3/00 86860 rr t" SE "I RECEIVED is ,,T 45Z 8 0 BOOK___._....._.__ PR PAGE_ Dollars Initial Initials Form 3051 3/99 (page 1 of 15 pages) MWYO1CV Adjustable Rate Rider Balloon Rider 1-4 Family Rider TRANSFER OF RIGHTS IN THE PROPERTY Loan Number: 0007689185 W YOMINO- Singla Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT FS8 08/00 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider (Initials) (Initials) Second Home Rider Other(s) 803 (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Mortgage Insurance Rider (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (1) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a •condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" mean those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (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. 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 Form 3081 3/99 /page 2 of 15 pages) MWY02CV A3COAMW (se5ed gl /o S eyed) ee/e isoe uuo -Jamul spund oluoiioalg (p) Jo Alliva Jo `AllleluautnJisul `Jioua2r Iezapap a Aq paznsul aze slisodap asogm uoptupsui ue uodn umezp sl pago ions Niue papinozd 'Amp s,zalgseo io Aoago s,Jaznse01l `1o010 ¶n q go paTJp1 (o) `Japio Aauoui (q) `gseo (e) :Japuag iiq poops se `suuop 2uTmo1op ail jo azouz Jo auo ut apeut aq luaumJisul AuJnoaS sign pus m/s' atp Japan anp sivawAed luanbasgns lie Jo Aue Irma aztnbar Feat Japual `piedun Japual of pauinaaz sl ivautnzisul ,iiunoas sigi Jo aloN ail Japun luautAed se zapuaZ Aq pan luautnulsut Jagio Jo AOagO ATM pl `JanamoM •AOUaJZno •S°n ut apeuz aq pegs luauzn1lsal AlunOas sigi pue aloN alp Japan anp sluauliied E uopoas of luensznd swan moiOsg zop spunj Aed osie iiets JamoJJOg aloN alp zapun anp saBzego alel pue sazego luaul/iedazd /Cue pue aloN ail ,iq paouapina igap ail In) isazalut pue `po lediouud ail anp uagm ,ied Ins Jamo1JOg •saS.teg3 awl pun 'sa8.teg3 ;uaui,iedaad 'swan M.o ttsa ;sa ca ;ul 'ledlaulad Jo ;uatuSed •j :smollop se aaJ5r pue lueuano° JapuaZ pue JamoJZo •AaJadozd ieaJ Wuuanoo luautfJlsuf Animas UJJopl in a ainitlsuoo of uopolpsunC Aq suopegJEn pauuzil gllm slusuanoo uuoplun -uou pue asn leaolpea Jop slueuanoo uuojTun sautgmoo ,L■31/11121,LSNI A,LRII102S SIHI •pzooaJ jo saouezqumoua'Cue of loafgns `spuewap pue smp io lle lsuteh AlzadoJd ail of app ail i I1R1auaR puapap iltm pue sluRIJem Jamozzog pzooaJ jo saounqutnoua Jo; ldaoxa `pazaq unouaun sl Auadozd all legs pue 2fuadozd ail iianuoO pue luta `a2r2izota of 1112tJ ail SETT pm paAanuoo AgaJag alelsa alp jo pasras ffllnpmei Si Jamonog legs SINVNgA00 IIRMO2RIOg AUadozd„ alp se luauttulsul ICi moos sigi TIT 01 paJJapaz sl ffuloWa1op ail jo Itd °luauznzlsul 'ClunOas stgi i(q pan A00 aq osie pegs suogippe pue sivautaoeidaz Ily •A11adoJd ail jo ued a Jalpeazag Jo mou saznlxg pue `saoueaaundde `sivautasea pue `Aizadozd ail uo pavan 'aiurazag Jo moll sluautano1duti ail iie H,LIM 2I3H,La90,L [uopolpsiznf 2uipzooag jo auteN] [uopolpsunf 8ulp1ooa21 jo adLil] N103NI1 po A.LNI103 all UT pa1ROOJ A1Jadozd paquosap Eulmofoj alp 'am jo Jamod glim `suSisse pue szossaoOns s,Japual pue aapuOZ of LianuoO pug lueaS `a2r5uotu Agazag „ssaippd JCUadoJd Pans] [dlZ] VIKA OR ES aluzoiCA NO1 V 13301S NOSN3Vr SL9 00/C •1•I 1N3WIItl1SN1 IIUO INf OS *IppwArneW eluued- -Apwed e18ug- ONIWOAM S816891000:JegwnN URO1 El •SINVNi3AO0 I�RIOdINf jo ssaJppe ail SETT IiiluannO gOigm 0 31003H3S 03H0tllln 33S ObtEp8tiO4 Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds Lender may hold such unapplied funds until Borrower makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became •due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time Any Loan Number: 0007689185 WYOMING-Single Family Fannie Maa/Fraddle Mac UNIFORM INSTRUMENT I.T. 3/00 nitial Initial 805 orm 3051 3/99 (page 4 of 15 pages) MWY94CV 908 A3SOAMPI (se5ed gi Jo g eyed) ewe I.so¢ w.w le1Nul SIBINuI oo /E TI 1N3W(H1SNI W doiem min eIppsJ /eeW eryueR-- AI!uied e!Bu!gONIINOAM 5816890000 :JegwnN ueo ie8ai `u? uaq aq1 jo luautaozojua 2su?e8e spuojap zo `Jig tpuj poo8 ut uag au; sisaluoo (q) :luauiaaz8e gons &u?uuojzad s? zamozzog se &uoi os Ajuo lnq `zapua-j of aigi daooe utn t u E ut uaij agl A panoas uope5 ?iqo ag1 jo Juaui1Ced aql of RUpuM uI saaz8e (e) :tamozzog ssajun mammal' ICJunoaS sup JOAO AJuoud seq gout& uaij Cue oWirgos ?p Apdutozd jpls JOMOZZOf E uopoaS ut paptnotd iomiw<u alp u? 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JO (paznsui os ate sl ?sodap asolM uopnlilsul ue Si zapua-I ji `zapua-j 5utpniOUi) Altlua zo `A1 ?ieluaumzlsu? `Aoua8e papa; a iiq paznsut ate sp ?sodap asolm Uopnitlsu? ue u4 piag aq iiegs spung ajJ •me-i ajgeolddy must aOUepzoOOE ut as ?M1 1flo JO small Mo1OSa auunj jo sa1nitpuadxa jo saleutpsa ajgeuoseaz pue elep luauno ;o slog am uo anp spun JO Junoute alp aleutpsa iiegs zapUa' •ydSa2i zapun aztnbaz ueo tapuai a Junoute umUttxeat alp paaoxa o1 1011 (Z) pun `ddSa2I zapun pag ?oads atop alp Jr spun.j alp Aidde o1 zapua-I 1?uuad o1 luatowns (I) Junoute ue ut spung pjol Pun Joaiioo `amt3 ICue lie 'Amu zapua7 uopoaS s ?q1 zapun pazmbaz ualJ ate imp 'muumuu lions u? pun 'spud lie zapuaJ o1 /Cud iris Jamozzog `uo ?1ROOnaz lion uodn `pue SI uopoaS 1a ?M aouep1oOOe ut uan!S aDpou a Xq autp Niue pe salmi mozosa lie 10 Atm o1 se tanrem all alonat Meet 1apua-I •lunoute gons /Cue zapual o1 i(edaz o1 6 uoi3OaS zapun pale8tigo aq uall jimis tamotzog pue lun0Ute lions 1fed pue 6 uopoaS zapun s11$u slit as1OZaxa Amu zapua' `iva3I Mo1OSg ue zo3 anp lunoUZR all ,fed o1 si ?e3 zaMOZtog pun `tan ?em n o1 luensznd `Apoanp small mama And o1 pa1e8 ?Igo st zamozzog 3I •6 uopoaS u? pasn s? 1uaUtaaae pun JuRUanoO„ asezgd atp se luauznzlsuj 'ilunoaS sup u? pauieluoO luantaazge pug TUELIOA00 a aq o1 pautaap aq sasodtnd Ile 103 gals s3dlaOa1 ap ?nozd o1 pue sluauwXed gons opium Ol uopeffggo S 1OMOzz a •azmbaz Arta iapuai se polio(' amp Ions u ?ll ?M luaiuAnd gons 2upuop ?na sldtaoaz zapua-j o1 ls?uzn3 iiegs `sazmbaz zapual ji `pun zapual A panp M uaaq seq spend JO luautiied 1omm JO3 small mama Iiue 10J anp slunouie all `aignAnd azagM pue ua1M `Apoazip /Ced gels JOMOZZOH `tan ?em gons 3o Juana am uj IupuM u? aq Aiuo ICetu zanieM gons tl 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 lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone determination, certification and tracking services or (2) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if Loan Number: 0007689185 WYOMINQSIngle Family Fannie Mae/Freddle Mac UNIFORM INSTRUME I.T. 3/00 nitial Initials &Ql Form 3031 3/99 (page 6 of 15 pages) MWYOBCV AOLOAMW (seed 91 JO L eyed) ewe 190e twod 00/E '1' 1 1N3WnUiSNI WtlOAINfl ovW MPPud/•o• Muuy -Aou e10u1S ONIWOAM 581.699L000:iegwnN uso1 •asneo aigeuosuaz tens RutXjpads uopoadsut zoualut ur lions of Jopd JO 3o atup alp le aotlou Jamozzog aAts quip zapua-i •,C)Jadozd alp uo sluautanozdutt alp jo Joua)ut alp inodsut ,Cent zapung `asneo aigeuoseaz set; 1t 31 °IC11ado1d alp jo suopoadsut pue uodn satzlua aigeuosrai oval Amu war sit Jo zapuaj °uopezolsnz Jo Jtgdaz gons jo uogaidtuoo alp Joj uopaggo s,zamoJZOg ;o panatia1 )ou st zamozzog `,C1Jndo1d alp azo)saJ Jo JredaJ 0) luaiotjjns lou an spaaoozd uopeutuapuoo Jo aoueznsut alp 3j •palaidutoo st 3izom alp se smut/Cud ssaaozd jo sus E tit Jo )uatuded 0i5uts a ut uopezo)saJ pue sntgdaz alp Joj spaaoozd asmgstp ,teat Japuaj •sasod.ind gons Jol spaaoozd pasgaiaz seq Japua ;t ,Cm) Rlzndozd ag) Buuolsai JO Suutedai Jo3 aigtsuodsaJ aq imp Jamo/Jog `,Clzado1d alp `Jo gupitl alp zo `o) aTetuep tptm uopoauuoo ut pled an spaaoozd uopeutuapuoo zo aoueznsut 31 m p Jo uogezoualap Jatpzn3 ptone o1 pa usurp ji ,C1Jado1d ag1 ztedaz ,ipdtuozd Hugs Jamonog `aigisea3 XIteotutouooa )ou st uopez0lsaJ Jo "ludo' rip S uopoas o1 )urnsznd pautuualap si li ssaiun °uoptpuoo slt 01 anp amen ut ffutsea1Oap JO 5utpVOUalap lump ,Cl1adozd alp luanazd of Japzo ut ,ivadozd alp un uneut iiegs Jamozzog `,C)zadozd ag1 ut futptsaz st zamozzog t0U JO zaq)agM °,Clzadozd aq1 uo alsem ipuutoo Jo alezoualap o1 ,C)1ndozd alp mom `,Clzadozd nip "Tuthill zo a2mn p ',Coma!) lou pegs zamouog •suoilaadsul '.,flaado.id agl Jo uoipaalo id pun aauuualulun 'uop1AJasaad °L °iorluoo s puo,Caq aze gotgm )stxa saouelsuznoJp ffutltnualxa ssaiun 10 `piagiptm ,Cigeuosrazun aq 1ou pegs luasuoo gotgm lupizm ut sit astmzaipo Japuaq ssaiun `,Couudn000 jo a)ep alp Jour zeal auo inn! lE 10J aouaptsaJ pgdtouud s,zamo1z0g se Ruadozd alp ,idn000 01 anupuoo iiegs pue lunuinzlsui Alunoas sup 3o uotlnoaxa alp Jaw sAgp ,ilxts uiglim aouapisaz iedpuud s,tamouog se filmdom agl asn pue `gsiigrisa ,Cdn000 !pis Jamomog °busdna3O °9 °anp noel lou Jo =palm luatunzlsui ,Clunoas site Jo al0M alp Japan predun slunoure ,led of Jo ,il1adozd alp 0101sa1 Jo Jtudaz 01 nip ta spaaoozd aoueznsut alp asn heat zapuaZ °61Jadozd alp 3o aSezanoo alp 01 aigeotiddu aze sup wits se Jrjosut JadoJd alp $uuanoo sapiiod aoueznsut iig zapun (Jammu ,Cq pied swigtiiazd pauzeaun 3o punJaJ ,iue 01 1115u alp uegl Jotpo) 514511 s,J0MOJJOg ;o Jaglo ,iue (z) pue `luaumJlsui Siptioas spp Jo a1oN ag1 zapun ppdun siunotue alp paaoxa of 1ou lunotue ue ut spaaoozd aoueznsui ,iue o1 mg!" s,Jamozzog (j) zapua-i of su8tsse ,Cgazaq Jamo1Jog `astmzag)o Jo zz uopoas Japan ,ivadozd a p saztnboe zapua7 3i Jo 1u0n0 zatpta ui •uan1E st ao tlou alp uagm upaq iitm pupal ,CEp -p£ a a uttep atp aplas pue airpo8au ,ietu Jnpuai uaq) `tutee E aims 01 paza3jo seq Jau1EO aoue1nsut alp legs Japua- utoz3 aotlou a o) s,fep p£ ui ptm puodsaz 1ou saop zamozz0g 31 °szallem pamutat pug utteio nougznsut aigeiiene ,Cue aplas pue alepaau `aii.3 ,tutu zapurj `X)JadoJd alp suopuege Jamozzog 3I °z uopaas ut Joj papinozd Japzo alp ut patiddr aq iiegs spaaoozd aouuznsui ions °zamouog 01 Peed 3t `ssaoxa atp gltm `anp note iou Jo Jatpagm `luatunJ)sui ,ilunons step dq paznoas stuns alp 01 patidde aq Hells spaaoozd aoueznsut alp `pauassai aq pinom ,Clunoas s,Japua-i 10 aigiseaj ,Ciieotutou000 1ou si ziEdaz Jo uopuuolsaz alp 31 •Jamozzog jo uope5tigo aios alp aq quits pug spaaoozd aoueznsut alp jo 1no peed aq 1 o iiegs 1amofl0g ,iq pautelaJ `sailzed pinp Jatpo Jo `szalsnfpr otignd Jo saad °spaaoozd gons uo autuLea 10 lsazalu! Am Jamozzog ,Cud o1 paztnbaJ aq 1ou Hugs Japuaj `spaaoozd aoueznsui lions uo pled aq o1 Isazalu! sazinbaz mr aigeotiddd Jo Wupum ut apeut st luautaaaE uE ssaiun palaiduioo st )izom nip se sluatu,Cgd ssaaozd jo saps gut Jo luatu,ied aiffuts 1 ut uouezolsa1 pug sztgdbJ alp zoj spaaoozd aszngstp Arm Japunq °,Cpdutozd uav)zapun aq ins uopoadsut gons leg) papinozd `uopoujstlgs s,znpuaj o1 palaidtuoo uaaq seq vizont 0111 a1nsua of ,ilzado1d lions loadsut o1 ,iltunlzoddo ue peg suit Japunq !spun spaaoozd aouEZnsut gons pioq 03 3t1214 nip aim( iiegs Japua'i `pound uoi3Uolsaz pue JtudaJ gons Ruuna •pauassai 1ou st ,ilunoas s,Japua-i par aigtsea3 CJJEotumuooa st xtedaz Jo uopUJOlsaJ nip 4 O S t'O9N9R0 obbs 04 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 attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Loan Number: 0007689185 WYOMINGSIn ®le Family-- Fsnnle Mao/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 'els IniSal 809 Form 3051 3/09 (page 8 of 15 pages) MWYOSCV AMMOAM I (se5ed 91. Jo 6 eyed) ee/e MC aioA 0T8 OO/ '1'1 1N3WI1kLL5Nl WfOiINn pew elppuweeyr eluue Al 3 B 6 u1S- DNIWOAM S81.689/.000 ueo1 miETo E 0p10s of pnEME ug alum of sza33o (aauaivas Jxau am ui paugap sE) "curd 5uisoddp alp JET zamozzog o3 "apuarj Aq aopou za33E `3t JO `zamO""og pauopuEgE Si ,Cizad0 /d a l 3I •anp uaip am sums am Jou z0 /amogm ivaum"3suj AJTunoas sup Aq pampas suns oq o3 pond& aq TIEiis spaaOO "d SnoaugijaOSm ag3 lui)uM uT as /fig asTMUa1po zapua'I pug zOMOZ /og ssapm 'awn ui ssoj z0 `UOponz3Sap lupjEi ppird amp azojaq Aja3Eipauui paznoas suns aip jo iunoutE amp ungp ssoj sT anJEA uT ssoj JO `uopoinsap `pup i TEiii d aip azojaq Jtja1Etpauurt ituado /d am jo own 3a3j /EU IIE3 am ijorgm ui A3"adozd aip jo anjgn uT ssoj "o `uopon/isap TEpzgd E jo Juana aTp ui •zamo""og o) mud aq hugs aouEjBq Auy •anjgn TIT ssoj "o `uopon/isap lupjE3 TEpzgd aTp azojaq Aja3EipauwT ,fuado /d am jo awn Ja)1 w ztE3 amp (q) Aq papInip omit uT ssoj "0 `uopon/isap `$upjEi Tep.n d amp a /ojaq Ajaimautu! paznoas sums am 30 Junouig !E3o3 aip (E) :uopou3 &unmoijo3 am Aq paijdpjnum spaaoo /d snoaurjiaosi j aTp jo Junourr atj Aq paonpaz ag iiggjs 3uauu"isuj LCJTZnOas snp Aq paznoas, suns amp `3u1UM uT as "fig asTMZaipo zapua -j pug zam0//og ssaiun 'awn uT ssoj zo `uoponz)sap TupjEJ igpUEd am along 'CiareipaunuT )uaunz)suj MTJnOas sup iiq pampas suns am jo Juno= aip ugip 'plead /o of jmnba sT aniEn uT ssoj zo `uoponz1sap `$uppl JEp"ud am azojaq iCiaJEipauuIt iCUad0Zd amp 3o anion ia31/EU "iu3 TjOTT(M aT ICUado /d Oip 3o awn uT ssoj /o `uoT3ofJ3Sap `'UDpEJ jgp "Ed E 3o Juana OUT uj •zaMOZZOf of pred `ICuE 3t `SSaOxa am IflTM `anp ua1p Jou /o zagpaTjm `JUamnz1suj A3Tzaoas sup iCq paznoas suns am 01 paiiddd aq 'Trip spaaoozd snoaugjjaosm o p `eivadozd alp 3o anjgn UT ssoj z0 `uopon1JSap &upjE) 1E202 E JO Juana amp III Z uopoas uT zo3 papino /d /ap /o am ut paTjddE aq Hugs spaaoozd SnoauEiiaOSTyAi Tens •zaMOZuOg o) mud `,Cum 3T `ssaoxa aTp TpTM `anp uaip Jou /o "aipaT m `Juamtu2sui AJunoas sup paznoas sums aip of pond& aq hugs spaaoo /d snoouguaosijA,T amp `pauassaj aq pinoM AJTZnOas s,"apuai .10 aigisEa3 Aiigoumouooa Jou sT ztudaz JO uopgzo)saz am 3I •spaaOO /d snoauuiiaosIN lions uo saTU/ga /0 1saza1UT iiuE /amozzog /Cud of paimbaz aq mu pugs "apua1 `spo oo /d snoauEijaosuni ijons uo mud aq of Isaza3u! saiinbaz mE-j aiggoijddy "o BuTJTzM UT apEU si ivauraaz ?E uE ssajun •pa)aidmoo st vom am sE sivauiiCEd ssa /8o "d 3o so E ur /o Juauaszngsip ai &u!s E uT uongzo)sa" pug szigda/ am /o3 AEd Amu "apuarj •Apduozd ua3jmuapun aq Bugs uoT3oadsai ijons JET papinozd `uoTJOE3spEs s, /apuai o3 pa3aidmoo uaaq sgij 3iz0M aip aznsua o) Auado "d I Ons JOadsUi of ,i1TUnuoddo uE plq sett zapurj ]pun spaaoozd snoaugjiaosTlni TjOns pioij of Ju$TI aTp anvil hugs zapua-] `pouad uopTZO)saz pug iEdaz icons Sul-ma •pauassaj Jou st LCJTZnOas s,zapua-j puE aigisEa3 i1IEOTUOUOOa sT "ludo/ JO UOTJEZO)saz alp 3t `Jivadozd alp 3o zTEdaz /o uOp5 /O3sa/ 03 paijddd aq Timis spaaoozd SnoauEjiaOSiyAi lions `paWeump sT iCuado /d alp 3I •zapua-] of pTEd aq imEiis puE of paugIss1 Aga/aij a "E spaaoozd snoaugiiaOSTlni jjy •aan31aJaog :spaaoozd snoaui:jjaasjj& 3o 3Ua UU SSy •j i PION alp in papinozd a3E" alp JE Jsaza)ut /Cud 0) uopE2ggo s,zaMOZZOg s OI uopoas sigi ui 5uRpoN •mir ajquoTjddy Aq painba/ sT uopEUuu /a1 jptm zo uotJEUTU/a1 tons zo3 BuTp1no /d /apuaq puE zaMOJJOg uaamiaq 3uauaaz2E uappTzm Am TpiM aouEpz000E Jr! spua aougznsuj a$E$uow zo3 )uaUiannbaz s,zapua-j alp -pun `nzasa/ ssoj ajggpunjaz -uou E apLnoid 02 /o `JOa33a uT aougznsuj a5E$izoj u!g3U! U 01 pa /Tnbar swnuua"d alp iisd JIETjs zaMOZZOg `aougznsuj a$u53/0yq zo3 sampuazd alp p1Emo3 swam/cud pa2Ea2isap Aia3EZgdas aiiuU of pannbaz sEm zam01z011 pug ug0 alp 2upigai 3o uoIJTpuOO E SE aOUEZnsuj a$EffuON pazmbaz zapua'] 31 •aODUZnSUI a5EggOyi zo3 samuuazd alp Ammo; s3uamAEd paru8Tsap Aja3uzgdas sazinbaz zapua i puE `paupngo si `aiquiimnE samooaq u!EffE /apua- Aq pa2oaias zamsui ug papinozd (sannbaz zapua-] JET pouad alp zo3 put Junoug alp uT) a2E /0n00 aougznsuj agE21.1ow 3i s3uamiiEd an"asa/ ssoj annbaz /a2uoi ou uEO zapuag 'O9 O 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 Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property Loan Number: 0007689185 WYOMING-Single Family —Fannie Mae/Fr.ddIe Mae UNIFORM INSTRUMENT I.T. 3/00 InNfals Initials 811 orm 3051 3/99 (page 10 of 15 pages) MWY1OCV AO I LAMVI (se5ed 91 Jo 11 et3ed) 66/E 1.40£ uuo i 1N3WnWLLSNI WNOdMn 3S 4 •PP6+d/""W I!uusu B!BNSOMWOAM 5E4689/000 egwnN ue01 !BMW! !e!uu! 00 '1'! •luaumilsui Slunoas stgp jo pue a3oM ail jo Xdoo ouo uakt5 aq wits zamozzog •SdoD saamoaaog •Li •uopoe Cue alel of uotie8ligo Cue 3notplm Uopazosip aiOS Santa „iieut„ pzom ail pug `eSJ A aoin pue tumid a'ti apniout pue mom ins zeinauis alp ul spiom (z) `zapua5 autuiuia3 alp jo spiom zo spiom zalnau Buipuodsauoo apnioul pug mom Hugs iapua2 augnoseiu alp jo spiom (I) :luauznzlsui Sllmoos slip ui pant sy •uoISiAOld &upogjuOo aip lnoiplm loo; ;a uoAIR aq ueo goiqm aloN atp JO luauuulsui /Clunoas sign jo suoisinozd zaipo 1oojjr Sou iiegs 1oi1juoo icons `mei aigeoiiddy ipim slogjuoo aloN atp JO luaumzisui *Clunoas Sig) 3o asnnio JO uoisinoid Niue imp Juana aip ui 10ez1uoo iiq luauiaoAr isuIRWR uopigi 'tozd a se panz3SUO3 aq Jou HMS Outs 'tons inq `mans aq 3! zo loezluoo Aq aaar of sagird alp moue Aptotidazi JO ,Cploiidxa Map me-1 aigeotiddy •mei aigeotiddy jo suopelituli pue sluaumazmbaz Cue of loafgns aze 3uaurtulsai Minton site Tit pauieluoo suopemtigo pue slg8u icy -prom si alp goiqm ul uoporpsunf alp 3o mei alp pue mei imam; Aq pauiono2 aq iiegs ivatunzlsui A1unoas silty •uopanalsuoj jo swing :SJiiigs.iaAas :,+teZ 2uivaanoj •91 •luaumzlsui Minton slip zapun luauiazmbaz Ruipuodsauoo atp jspes iiim luauiazinbaz me-1 aigeoiiddy alp `mei aigeoiiddy zapun pazmbaz osie st 3uauuuisui Alunoos slap Aq pazinbaz aopou Niue paAlaoaz /iiienlor ipun zapual o3 imp uaaq aim 01 pauzaap aq lou iiegs luaiunzisui Alunoas sup tplm uopoauuoo ui aopou Sul/ •zamozzog op aopou ssazppe zaipoue pameu asap sec zapual ssaiun utazai paiels ssazppe s,zapua-i of iieul sseio lug Aq 3i $ultimo Sq JO li ffuuaAiiap Sq imp aq iiegs zapual of aopou •otup auo Jiue le luaumzlsui ,CJlznoas sup zapun ssazppe aopou poruSisap auo Siuo aq Arm wag' •ampaoozd pagloads rip tignortp ssazppe jo o ue 'to a lzodaz Alum imp zamozzog uatp `ssazppe jo oWueg0 s,z0m0110g 8uiizodaz io3 ampaoozd a sagioads zapual ;i •ssazppe jo o uelto szamozzog jo lopual Ajpou Spdtuozd iiegs zamouog zapual of aopou Aq ssazppe aopou alnppsgns e paleu5Isap seq zamozzog ssolun ssoippy AIodozd ail aq iiegs ssazppe aopou a 'ty •aslmzatpo saiinbaz Sissazdxa me-i aigeogddy ssaiun szamozzog lie of aopou alnlpsuoo togs zamozzog OLIO Aug of aoipoM am= im po iiq Juas 3t ssazppe aopou szamozzog of pazoAIiap Liiimil0e uagm JO iieut sseio lszg LCq mew uagm zamozzog of UaA!$ uaaq aneg o3 pauiaap aq Timis luauznzlsUI iilpnoas slgl iiim uopoauuoo ul zamozzog of 00pou iCuy &ui3izm ul alt 3snui IUatunzlsUJ IClun0as Slip iptm uop0auuo0 ui zapuo i JO zamozzog sq uanl$ sa0pou icy •saoil0i •Si •a2zeg0zano lions 3o 3no 5uisue 0Aeg 3g21U1 zamozzog uopoe ;0 3g2u Cue 3o IOAirm a 03n313suo0 'um zamozzog of ivauiAed poazip Aq apeui punjaz ions Slue jo a0ueldao0e szamozzog (aloN atp zapun zoj papinozd sI a8zeg0 3Uauiiiedazd a 1011 JO zagpagm) a5ze 'to 3uom1Cedazd Cue lnoglim 3Uaui1iedazd iepzed e se pavan 'aq iiim uollonpaz alp `iediouud Saonpaz punjoi a 31 •zamozzog of 3uaat1Ced loa1ip e 8uileui iCq zo OIoN atp zapun pamo iediouud ail 5utonpai Xq putijoJ snp ova' of asoogo �Ceai zapua-i •zamozzog 03 papunJaz aq iiim main palliuuad papaa0xa got 'tm zamozzog wan pal0aiioo peazie suns Cue (q) pie :liuzii pallluuad atp 01 0$zeg0 ag3 a0npaz 01 ,Ci SS000U lun0tue alp ,iq pa0npaz aq iiegs a2zeg0 mot 'tons Niue (e) :uaip 'slIuiti pa33muod atp paaoxa Tirol ail gum uop0auuo0 ui pa3oaiio0 aq Ol JO pal0aiio0 sazng0 mot zaglo JO 1S010111t 0111 3eg1 os palazdzalul ,iiieug si mei mill pue `So i t(o ueoi umunicrm spas tiomm mei a of loafgns sl ueoi alp 3I •mei aigeogddy iiq JO luatunzlsui S11zn0as sigp ,Cq paligigozd ,Cissazdxa aze 3e1p sooj a51eg0 Sou Amu zapual •aaj 'tons 3o $1112zeg0 ail uo uopigp4ozd E se pawls-two aq Sou Timis z0M0110g 01 00J ogloods a luaumz3sui Alun0as slip ui Siuoipne ssazdxa 3o aouasge atp `sooj 101110 Rue of p111 01 ui *sooj uopeni1A pue uoiloadsul 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 OSCIS 04 Loan Number: 0007689185 WYOMING-Single Famiy- -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initials 313 orm 3051 3/99 (page 12 of 15 pages) MWYI2CV AMAM I (seBed g Jo E1 eBed) ewe 440E weo 17 8 Iei .111 $Ien ul OWE T1 1N]WnHLSNI INHOdINn peva •PPeJAiiert ■IUU.A-NlweA elfius- oNIWOAM S8L689L000:JegwnN ueo dnurao iEluauniozinug uE zo3 iapua7 uo uopr5gqo Sur alEazo iirgs mom' Rurg1oN •ME'1 iuluauiuoitnug I1VM aouEpz000r ui Suoi1oE 1Etpauuaz S£ESSaoau i1E 03[E1 Apdulozd IIEgs zamo10g `Lr ssaoau sT i Iadozd agl Ruiloojjr aouElsgiis Snop1EZEH SUE JO uopEipa[uaz zaglo z0 lenotuaz SUE 1E1il `Aid alenud ,SUE 10 `Aluoifnl tC1O1Eingoi z0 TEmuaunuanoa Aq pappou sT z0 `sturai zaM0110g 31 •AUadoJd 0q1 J0 own affil S1OanE Ajaszanpr gopim oourrqns snopiEZEH E jo osraiaz JO asn `aauasaid alp Sq pas1i o uoilipuo0 Sue pug `aouu1Sgnn snop1Ez1H /cur 3o asraiaz 30 ramp JO asEaia1 `a$zegpsip lupigai `Ruiiiids Cur `ol palmIii 1011 1nq 3utpniout `uonipuo3 iRluaUntozinug Cur (Z) :o2paimou4 ram SET' 1 MO1IOg gOIgM JO ME JEluaUTUOZTnug z0 gourlsqns Snop1EZEH pug Aiad01d aif 2IItnionut Surd a1Eniid 10 Souo2E SzopEin$az 10 TE)UO uuzan0$ AuE ,Sq UOUOE zaglo z0 1msMEi `puEUiap `u1TEio `uoT1ailsanut Sur (i) jo aojlou uapuM zapual ant$ Spdulozd urns iaMOUOg •(slonpozd 1aumsuoo ut saoutlsgns snop1EZEq `ol paiju 1011 inq `ffutpniout) Al1odozd alp jo aouEUaluiEUi o1 pur sasn rpuaptsai 1EUU0u of altidoiddr aq o1 paz!uaOOaz Aiigzaua5 azE 1Eg1 saouElsgns Snop1gzEH jo sai1Tlurnb gear jo Alaadozd aq1 uo afEJo1S z0 `asn `aouasazd aril o1 Aiddr lou iiEgs saoualuas oMl gutpaooid ota •Slzadozd ag1 jo amen affil s1oojjr Aiaszanpr 1Eg1 uop!puoo r saran `Oouwlsgns snop1EZEH r 3o asgaia1 z0 `asn `aouasoid opt o1 anp `1p qM z0 uompuoj igluauzuoJinua UE S01E010 gOTgM (t) `MW igluOTUU0zlnug /CUE JO U011Ei0Tn u T Si 1Eg1 (1) A11 do.1d ag1 SUpoojjr 8uppSuf `op o1 ago auoSur mom zou `op 1011 gulp 1 R 011OH •A11adold apt ut z0 110 `SOOUE1Sgns Snop1EZEH SUE asEaiaz 0l Ua1Eazgl z0 `sa)uglsgns snop1EZEH Cur jo amp' JO `a3EZO1s `igsodsTp `asn `aouasazd all 11111z0d JO asnEO 1ou hips zam0zz0g dnugaij 1Eluaulu0nnua uE za55u1 astMZag1O zo `01 ainguluoo `0snro uEO 1Eg1 uoTITpuoo E sugaiu „uoIlipuo3 igluOu1u0zinua„ UE (t,) pug ME-I JEluau1uozinua ui paugap Sg `uopor ig A01710z JO `uopOE igTpauiai `uoilor asuodsaz Sue SapniouT „dnuraij irivauiuo1inug„ (E) 'uopoalozd 1E1UauiuoJTnua z0 iC1a3ES 'Troll o1 amEiai 1Eg1 pa1EOOI st iSlzadoid agl azagM uopOTpsunf agl 30 sMEJ pur SMEi IESapa3 SUE0u1 „MEI IE1ua111U01Tnua„ (Z) :slupa3Eiu ani10E0TpE.I pug `ap,fgapiguiio3 JO solsagsr 5upprtuoO sigualEm 'maws aij1Eion `sopio!gzag put sapiOTlsad otxol `slonpozd umaioilad otxol zo aicrunuru zaglo `auasozaA `autiosuB :saouElsgns 2u1MOfo; ag1 pur mug ieluauiuozinug fig salsEm zo `siuglniiod `saouglsgns snopzezrq JO °1x01 sr pauijap saoui 1sgns asogl azg „saou11Sgtls sn0P11Z H„ (i) :iZ uopoas slip 111 pasn sy •saauelsgns sn0pJezeg •1Z 'OZ uopoas STIP 3o SuOTSTAOZd uopOE 0npOOU0O alE1 01 A1Tunl1oddo pur aojlou ag1 XjSpes o1 paulaap aq gulls gi uoTloas o1 lugns.1nd 1 M0110g o1 uan12 uotlgiaiaoor 3o aojlou a1i1 pug ZZ uopoas o1 lugnsznd 1OM0zz0g 01 UOAT2 onto o1 1ilTunlaoddo pug uoprio OOOE 3o aoTlou aqJ •gdt1RE1gd sTg1 jo sasodznd zoj aiquuosraz aq 01 pauIaap aq HIM pouad amp 1gg1 `uagqui aq uEO uouor uTE1.Tao azopaq asdria rum pawgM pouad 011111E sapTnozd Mg7 aiggaTiddy 31 •uopOE anpoaUO3 03tE1 01 0OT10U lions JO 5utni$ 010 za1ur pouad aiguuosrai E olaiag S1.1Ed zaglo 0q1 papzo33E pur pora.iq poaour lions jo (sj uoTloas jo sluauz i nbaz opt imm aouEtidumoo ut uanT2 aopou pons ii1TM) ,Curd .I po agl pagtlou SEq Jopua-1 zo zamo1Og lions gum luaunulsui iilunoas snit `Jo uosraz Aq pamo Snip /fur zo 'JO uoisTnozd ,SUE pagoeazq SE1 Surd zaglo agl 1Eg1 so5ouE 2E1T1 zo luauItU1SUi 'Slunoas slip of iurnsznd Su011or S,SUEd zaglo o (1 mop Sas1E 1Eg1 (ssEio E JO zaquiaui ag1 10 1uet1Ti iunpinTpuT uE zaglTa sr) uopOE iEToipnf /Cue o1 pautof aq 10 `utof `aouauituoo Muff zapua-j 1011 zaMOZZOg zaTiltgN •zasrpoznd a1oN aq1 Aq papinozd asiAu 1po ssaiun zasggoznd mom alp paumssr 1011 aiE puE (s)zaoTnzas uIOZ zossaoons E o1 pa103SUE11 aq 10 zaotnzas UEO'i aril iilTM urtuaz iuTM z0m0110g 01 SUOpEMTi10 &TTnzas ugoi a5E210uI aql `a10M am 3o zasEgoznd agl urm zaglo zaotmos uro-i E Aq paoTnzas sT urol ag1 zal3Eazaiil pue pios sT a1oN alp 31 •1UiOtA1as 3o zajsuf11 3o aoTlou E TiltM uopoauuoo ui samba' tcowlqo 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. 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