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HomeMy WebLinkAbout867800WY30511.MTG 02013765 After Recording Return To: EXECUTIVE LENDING SERVICES O 4041 UNIVERSITY DRIVE, 5TH FLOO FAIRFAX, VIRGINIA 22030 Loan Number 998122477 MORTGAGE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is EXECUTIVE LENDING SERVICES, BANK, FSB Lender is a and existing under the laws of VIRGINIA Lender's address is 4041 UNIVERSITY DRIVE, `..I I 00 AUG RECEIVED JE A BOOK 451 PR PAGE 2 [Space Above This Line For Recording Data] 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 AUGUST 3 2000 together with all Riders to this document. (B) "Borrower" is CAMERON HAAG, A MARRIED MAN ADO BALTIMORE AMERICAN SAVINGS organized 5TH FLOOR, FAIRFAX, VIRGINIA 22030 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated AUGUST 3 2000 The Note states that Borrower owes Lender ONE HUNDRED FIFTEEN THOUSAND AND 00/100 Dollars (U.S. 115 000 00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 1, 2015 (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. (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]: Adjustable Rate Rider Condominium Rider Second Home Rider Balloon Rider Planned Unit Development Rider Other(s) [specify] 1-4 Family Rider Biweekly Payment Rider WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 3/99 Document Systems, Inc. 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All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made 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. 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 or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment 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 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: (a) interest due under the Note; (b) principal due under the Note; (c) 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 WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 3/99 Document Systems, Inc. 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Molosg 1111 10 ,Cue 103 spend lapua1 of ,Cud o1 uoiluiigo s,1amo11Og ant11M ,Guru lapua1 *swat! Mo13sg 1111 Jo Aug 103 spung alp /Cud 02 uoiieaggo s,J0MO1JOg sanieM Japuai ssalun small Molosg Jo spend 0141 Japua1 1(ed hells JaMo1Jog uopoas spp Japan mud all of s11111otuu 3o saotlo11 1t11 Japun 01 148111.111; i(pdtmoid Bugs JaMO.uog mall Molosg 1111 aq Hulls sluatussass11 pee saa3 'soap lions pee `1aMOIog ,Cq p0M013S0 all `,Ct111;i `sivaumsassd !mu `S024 `Sang uopupossV 1CliununuoJ 111141 8Z0 rill palmba1 sg 10M0110g 111011 !lugs aapuarl 0.L113 SOEAM 0 0 R 44 9 WY30515.MTG 08G7800 029 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: (a) a one- time charge for flood zone determination, certification and tracking services; or (b) 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 the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance 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. 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 (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Document Systems, Inc. (Boo) 649 -1362 Page 5 of 11 Form 3051 3/99 66/£ T O£ uuOd a$uWuolnl 1o; sumnuaid aql p envoi maul/Cud paluugtsap AialuJudas saztnbai .iapuaJ pug `pautyigo st `0iquitunu sauiooaq utu2u iapuaj Xq paioaps 1alnsut 'au ,iq paptnoid (saatnbas .iapua' futp pouad 3111 1o; pug lunouzg 3111 ut) OgUJOAoo aouulnsui agy2uoyl ;t sluauIhd auasal ssoi aitnbai ia8uoi ou uuo lapua7 •anmasal ssoi tuns uo s$ututua so isalatut Aug 1aMouog Cud o1 paatnbaz aq lou Bugs lapua7 puu `tin; ut mud AialutUtiin alp tug.) loo; am 2utpuulsquMiou `aiqupun;at -uou aq hugs anlasaa ssoi gons •aouumsui 3gu5uoini ;o nail ut amosa.t ssoi aiqupun;ai -uou u su sfuatuhd asagl utufat puu asn `ldaoou iiuM aapua7 •1oa ;a ut aq of pasuo3 a3 .10A03 aouumsut am uagM anp a10M Mg) swam/Cud po ugtsap Aialuaudas agi ;o funouty aril iapua-i of Cud o1 anutluo3 hugs aamouog `aiquitunu 1ou st agutanoo 03uminsui a2uSuoIN luaiuntnba Aidupuuisgns ;i •Japua7 Aq patoaias 1alnsut agyguout mutually Ug IUOIJ 4 13a ;a ut iiisnotnaId aouunsui agu2uoyii aql jo 1aM011og 0) isoo agi of luaiuntnba i(ipuuyfsgns lsoo g fy `1o0; ;0 ut Aisnotna.1d aougmsui a5uBuoy%i aqi o1 luaigntnba Aligtluulsgns 052.10A03 utglgo of paltnbaa stunttuaid am Aud mulls laMO.uog `aouulnsui a2uWuoysi 1o; stunttuald agi p1uMO1 sluaulhd paluuStsap ,Cialundas miutu o1 paitnbai sum 1aMonog puu aouulnsut gons paptnoad £IS11Otnald Imp aalnsut afyguouz am wag aiquitunu aq of sasuao aapua7 palpnbal a2ulano3 aouglnsui aftWuoyii 3111 `UOSga1 /Wu ao; ;I •13.9; ;a ut a3U 1flSui at'uguoini alp utulutuuz of paatnbai suzntuzaid am Cud hugs 1atouog 'uuo- agi 2upiutu ;o uoptpuo3 g su aouulnsui a2u2uow paltnbai lapua7 ;I •aouymsui aSduoisi 0i IutlUM up 1a51atu 3111 o1 saaat lapua7 ssaiun aWlatu iou hugs aptl 3a; aril puu piogasuai am `Xuadold aiii o1 aim an saltnbou 1aMo11og ;i •asuai am jo suotstnold aqi pr mph h Aidtuo3 hugs 1aM01lo1j `piogasuai g uo st luatutUIsui Altlnoas spit ;I •ivatuhd Supsanbai IaMOuuoH 01 lapua7 tool; aopou uodn Isamu! qons 111pM `aiquAud aq hugs puu luaupasingstp ;o algp agf wog; alga a1oN alp le Isalalut ayaq hulls siunom asata •luatutulsui '(tunas slit Aq palnoas aaMOlaog ;o igap p uoppppu atuooaq If 6 uopoas sp 1 lapun 1apuo' eiq pasingsip siunouzu ,Cud •6 uopoas spit aapun pazuoginu swum uu 10 Auu 2uppul IOU 1o; Altitquti ou shout 1apua' Imp paaau st 1I •05 op of UOIM2tigo so Amp ICtty Iapun iou st pug os op 01 anuq 1ou sow lapua7 '6 uotloas spit lapun Uopou a)Iui Amu lapua7 ggnoglid •JJ0 10 uo paumi satititln anuq pug `suopiipuo3 snola2ugp JO suopiuio!A apoo 131120 so Rutpitnq aluuttutia `sadid wog 1a1uM UUUp `sMoputM puu sloop do ptuoq 10 aouidal 'spot aSuugo `sltud3l 03iutu of Muadoad am $uuafua `01 palturti IOU st inq `sapniaut Auadold am Wuunoas •$utpaa3old Aoidnlniuuq u ut uopitsod paanoas st! 5utpni3ut `luatutulsui kunoas spit lapun slg5u Jo /puu Ruado1d agi ut isa1aiut 521 loaload o1 sal; ,sAatuouy aiquuosual guthd (3) puu :moo ut 2utuuaddg (q) :ivaunuisui 'C1tm3as spit IOAO X1!Ioud suq gotgM uati u ,Cq paut3as sums I UU 2ut/iud (u) :oi palttuti lou 3311 inq 'apniout uu3 sUOtiog s,aapu37 •duadold agi 2uutuda1 to /pug utUnoas puu 'i(Uadoad am ;o amen am gutssassu to /puu Supoalo1d Sutpnput luatupuisui 'iitmoas st11t Iapun s1g$u pug Auadold am ut isaIaiut s,1apua7 loalold 01 aluudoaddu so amuuosual s! 1analugM 1o; i d puu op Autu lapua7 imp `Auadold alp pauopuuqu suq 1aMO.uog (3) so `(suopuingal so SAM! 310;113 0) 10 iUauInaisUI Atunoas spgi 1ano Altiopad mum Rout 11opgM «ati u ;o ivatuao1o;ua 10; `lama ;1o; 10 uopgutuapuo3 1o; `alugold `Aoldnniuuq ut 8utpaa3oid u su 'ions) luatuIuisUi Atunoas st111 1apun slg$u 10 /puu Auadold 3q1 ut isal3fut s,lapua' loa ;g ,Cituu31J1U !s 142tut 111111 Sutpao3old st atom (q) `ivatututsui ,(tunas spit ut pautuiuoo sluatuaal2y pug s1U11Uano3 agi Uuo ;lad of spy; lamouog (u) ;I watmwsui Amman stgl 1aPUf1 wpm Pus ivadoad 3q1 to lsaialUI JO Uotfoalosd 6 •0ouappsa1 Iudtouud s,13M0110g sy Auadold agf ;o iCouudn000 5,13M0110g Vut11103u03 Suotlu1U3sa1d31 `01 Paltu1!! 1ou azu 1nq `apniout suotfutuasaadal iutaaluysi •Uyo7 am g1tM uoIIoauuoo ut (uonuuuo ;ut iut1aiuuz 1111M 1apua7 apinold 1 patty; 1o) lapua7 of sivautatuls Jo uopetwoJut alu1n33uut 10 `2U1puajsnU 'asiu; djiuplafuuz 3AUS 1U3SU00 10 apaiM0113i S,13MOI1Og til!M 10 13M0110g ;O u0p3aatp 31.11 iu Sup3u satlt1U3 10 SU0S13d Auu 10 13M0110$ `SSa301d Uot1y31iddu Uu0' 3111 2ut1np ;t 1inu;ap ut aq hugs I3M011og uopeo iddd uyo7 S.13MO1JOg g asnu3 aiquuosual gons Sot &Jtoads uopoadsut 1ot131ut uy gons 1 Ioud 10 JO 311111 am 111 aopou 13M0110g ant$ hugs aapua7 •duado1d agi uo slu3utanoIdtut agf ;0 Joppalut aqi lOadsut Amu Iapu37 `3snu3 aiquuosyat suq 1? ;i •Ml3dold 3111 ;o suopoadsut puu uodn sat1lua aiquuosuaa abut Amu 1u3Wu 51! 10 Iapua7 uoplg101sa1 10 ltudaI 113nS ;o uopaidtu03 3141 10; uope tigo S,13M011og JO panatial iou st IaMO11og `iivadold 3111 3101S31 10 1Md31 01 ivatOIJ;ns 1011 3111 spaaoold uonuutuapuoo 10 aODUlnsul 3111;.1 •palaidtuoO st )110M agi SR sluatuhd SS31 Old jo satlas u ut 10 luatu1Cud ai2uts u ut uopglolsal puu sltudal agi lo; spa33oad asmgstp Amu lapua7 •sasodind gins 10; spaaoold pasuaia1 suq lapua7 ;t Atuo Auadoad agi guuoisa1 10 Suiliud31 10; aigtsuodsal aq hugs 1aMOfog `Auadold ail ;o 2upiyi a111 10 `01 a2gump gitM uotfoauuo3 ut mud alt: spaa3o1d UOIIEUuzapuo3 10 a3UU1nsut ;I •autuup 10 Uotlulotlatap latiun; wive 01 pa2RUlgp ;t Muado1d 3111 ltudai Apduzold IIuIs 13M011Og `aigtsya; Siiuottuouooa iou st uopuUolsa1 10 itudal fu111 S uotloas of iuunslnd pautuzlafap s! it ssaiun •uopipuo3 s2! 01 anp anion ut 'utsual3ap 10 2utlgloualap tuoq ,il.Iadold a111 luanald 01 1ap10 ut f(uadold am Utuiututu hugs 1aMOZpog `i(uadold alp ut 2utptsa1 st 13M011og 1ou 10 1a1113UM •i(uadold 3111 uo a1SEM gUI1000 10 aluloualap 01 iilladold aqi Mop `i(uadold 0111 ltudtut 10 a5umup `Aollsap 1ou hugs aamollog •SUOpoadsUI .tifuodoid alp Jo .UOpio3lOJd pue aouuua1'U Yi `UOpun1asaJd L I I JO 9 25ed 2911 (oos) 'mil 'suionXs luamnaoa INaYsIflILLSNI Y11I03II■11 aeN atpp2id /ae1,■I aluued-- Altuiud a i$u!S 9BI'9I5OEAM OORVISO WY30517.MTG 0 7800 WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Document System., Inc. (Boo) 649 -1362 Page 7 of 11 031 Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, 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. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that. the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result In forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Form 3051 3/99 66/E 150£ uuo 1 •uopae Aut ax g1 0l uope2igo Aug mown uopar3sip aios sanl5 „Aeur„ p10M am (0) pug :gsian aotn pue Ielnid ag1 apnioui pug maul huts Ieinguts am ut spioM (q) `.lapua2 aututtuaj agjo sp1oM Jo spioM Iainau uipuodsauoo apniout pug maw fl s lapuag autmoseuu 0141 ;o sp1oi (u) :luawn.usui Alpnoas sup ut pasn sy •uotstnoid 2utlotUuoo ag1 1notltM 100330 uantS aq ueo gatgm a1oN 0141 io luatunllsui Aulnoas sup 3o suocsinoid Iamo.1oglig uou hugs 1otijuoo qons `Awl aigeotjddy qum slo113uoo aloN am 10 luatunlisui Alpnoas sign 3o asnuio 10 uotsinoid Aug 1utp Juana a141 ui •loeiluoo Aq luauraaigu Isuigh sup uopigtgold a se panusuoo aq iou Hugs aouaits qons 1nq `luaus aq 1g2ttu 1! so 10u11uo0 Aq aarge o1 satued atp Moue Aiuotidmt 10 Aptotidxa 1g3uu mri aiquoiiddy •Merl aiquoiiddy 3o suoni uuni pug sluauialinbai ,Cue o1 loafgns aie 1u0um11sui Alp1102s sup ut pauieluoo suopetigo pure sutpti iiv •pawoot st Auadoid am goigM ut uotlotpsunf am 3o mut am pug Phi Ieiapaj Aq patuano4 aq Hugs luatutulsui A1tln0a8 stgy •uoIlanllsuoD ;o suing Auticgelanas :ten `autuiaeoD "91 •ivatuniisui AJtlnoas scup Iapun luauraimbai 5'utpuodsauoo aqu Ajsiues HIM luatualtnbal Awl aigeoiiddy am 'Awl aigeotiddy Iapun paitnbal osie s! luatutuwsui Auinoas sup Aq partnbai aotlou Aue;i •lapua'i Aq pantaoar Aiiunuou ttlun Iapua'i o1 uan!S uaaq aneq 01 patuaap aq uou huts luatunlusui Auunoas sup quill uoiuoauuoo ui aotlou Auy •IaMO.uog o1 aopou Aq ssalppe Jatlouu pawugtsap set Iapua'i ssaiun uiaraq pawls ssalppe s,lapuaj 01 Item sop log Aq 1i 3uiiietu Aq 10 li Rutianpap Aq uant2 aq hugs lapua'i o1 aotlou Auy 'amp auo Aue le Juauunllsui Aulnoas sup Iapun ssalppe aotlou palgu2tsap auo Apro aq Aetu aiags •ainpaooid pods Imp g2noitp ssaippe 3o a2uego a uodai Aluo hugs 1aM011og uatp `ssaippe Jo agueto S,10MO110g io; ainpaooid sagtoads Iapua'i ji •ssaippe 3o a5uego s,10MO11og 3o Iapuo i AJpou Apdtuoid imp iantouog •Iapua'i 01 aotlou Aq ssaippe aotlou alnupsgns g pareugisap sgg 1 M011og ssaiun ssalppy Aliadoid am aq hugs ssaippe aotiou aiZ •astMiatlo sannbai Aissaidxa Mu-1 aigeotiddy ssaitrn siantollog Hu 01 aotuou a1n1t1suo3 hugs 1anto11og auo Aug of a3i10N 'maul 1ag10 Aq leas 31 ssalppe aollou s,1aMO11og 01 paiantiap Aiienloe uaIM 10 iietu ssuo 1sip Aq paitutu uagM 1aMO11og 01 no/4 uaaq aneq 01 pauraap aq hugs luatutuisui Alunoas sits t11M uopoauuoo ut 1aMO11og 01 aollou Auy •auni1M ut aq lsnur luaumlisui Autlnoas sup 11!M uopoauuoo ui Iapua7 JO 1aM0110g Aq uani2 saotlou ity "S SI •a2lug3lano qons Jo ino Wuispg aneq igPpu 1aMO110g 110i13u Jo 1q4I Aue 3o Ian!VM u alnuusuoo III' 1 M O.u0g o1 1uaUJAed ioaitp Aq apgur puniai qons Aue 3o aoueudaooe s,ia'oUlog •(aloN ate Iapun Ioj papinoid st 021uto uuatuhdaid g uou so IamagM) a2Jugo 1uauiAedaid Aug lnoquM uuauiAedaid mind a su pal rap aq 'pm uoponpal am Igdioulid saonpai punjal a 3i •IaMOIIo Ol luatuAgd 10altp u Supiuul Aq 10 a10N aqi Iapun panto Iudiouud aqu tnonpai ,iq putgar stgl 031eul 01 asoogo Agtu Iapua'i •Ia'01iog o1 paptmjal aq IHM suttlti pal papaaoxa tot1M 1aM011og uro13 pau3a1100 Apuaqu sums Atre (q) pure :ittutl pauluulad aqi 01 a2.n qo aq1 aonpai o1 krussaoau lunoure ate Aq paonpai aq hugs a3iego ueoj tons Aue (u) :uagi `sltttlil paluuuad am paaoxa ueo-i ag1 gull uopoauuoo ut paloaiioo aq 01 Jo paloaHoo s08iet3 uuoi Iaglo 10 isalalui ag1 1eg1 os palaid101ut Aueut,I s! Mui wq1 puu `S08le140 ugoi murmur sIas goigM Mei g 01 uoafgns s! ueo'i am 3I mu-1 aigeotiddy Aq s0 luatutmsui Auinoas situ Aq pauquioid Aissaidxa WE 1141 saaj a8iego 1ou Auto lapua1 •aaj qons 3o 2ut8ieg3 am uo uotliqugoid a Se paniusuoo aq lout Hugs 1OM011Og 01 aaj oF31oads a a8Iego 01 luatutuisui Alilnoas sup ui Auiotpnu ssaidxa 3o aouasge aqu `saaj 1at10 Aug 01 plu8ai ui •saa3 uopeniun pug uotioadsut Auodoid `sou; ,sAaulong `01 pautut1 uou unq `5utpniout luatunllsui Auinoas sup Iapun s1 puu Auadold aqi ut lsaialui s,iapua'i $utloaloid 3o asodind 0141 10j lingjap s,1aMO11og 141IM uotl3auuo0 ut pauuojlad saoin.Ias 10j saaJ IaMOiiog a81e14o Amu iapua'i •S08le ue01 •tij •lapua'i Jo su8tsse pue siossaoons am Juauaq pee (oz uotloas tit paptnold su idaoxa) putq hugs luatutulsui Altlnoas sup Jo 51110'110018u pee sureuanoo 01j •8upt1M ui asuaial qons o1 s0a18e Iapua'i ssaiun luatutulsui Aulnoas sup. Iapun Aititquq pug suope8tigo S,10MO1IOg 111013 paseaiai aq uou Hugs 10MO110$ •1uacun11sul Auinoas situ Iapun slgauaq pug s1g8t1 s,1aMO11og Jo iig utelg0 hugs `Iapua'i Aq panoidde st pug `$uptIM ui luatutuIsui Altlnoas sup Iapun Suotw8Hgo S,S0M011013 saumsse o14M 10MO11og JO 1sa101ui uI 105503315 Aue `8 1 uoiloas Jo suoisinoid 0141 01 loafgns •luasuoo s,iau8is -o3 am lnoquM alo/ am so luatutuusui Auinoas sits Jo strum 0141 01 p1u8a1 t11M suonepourur000g Atre aqua' 10 luagioj `Amour `puma 01 aai8e ueo 1aMo11og 1atp0 Aug pug Iapua'i 1eg1 sa018e (o) pee :luatunllsui Alunoas si141 Aq painoas sums a141 i d o1 paue8iigo Aueuosiad 1ou st (q) `muatutuisui A1t.moas sigl 3o suual 041 Iapun Auadold atp uI 150101u! s -03 0141 A2n1103 pug urea `08u4rour 01 Aim uuaumilsui Altlnoas sup 8uiu8ts -oo st (e) „iau8ts -o3„ u) aloN ate alnoaxa uou saop unq ivatutulsui Auunoas stgl su8ts -o3 o14M 10MOilog Aug `IanaMOH-i •Tuianas pug uutof aq hugs Al puu suo10R8tjgo S,10MO110H 111111 S0018e puu Slue112n0a JOMOIIOH •punog su.Sissy pee siossaoons :siatats op :Ammet'I Igianas pee luiof '£I •Apaular 10 118p Aug 3o astoiaxa am apnioaid 10 Jo l0nt1M g aq uou 1e14s `anp uatiu Junomu alp uggl ssai slunottre tit 10 1aMOIIOg Jo 1salauu4 ui 5I055003115 SO saptlua `suosiad p1tg1 moij sluatuAud 3o a3uelda03e s `uopuip.uii lnogl!M 1ut)niou! Apautai 10 114811 Auu 8utstoiaxa tit Iapua'i Aq aougivagloj Auy •JOM01Jog Jo usaialui tit siossaoons Au1 10 Iamomog ieut8tlo aqu Aq aputu pueuIop Aug Jo uO5E01 Aq uuatutulsuj 11 Jo g aged Z9E1 61 9 (008) '31.11 •smats,C5 2U umoon .LNaINIIIILLSNI 1A11103INfl 3ENI 2tpp213 /2gysl aluue3-- AlluIe3 al OIW IIS0WAM WY30519.MTG (J C ?8aa J33 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable 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: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) 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 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 3/99 Document Systems, Inc. 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(803) 649 -1362 Page 11 of 11 to Executive Lending Services DATED This 3 day of WITNESS my hand and official seal. My Commission expires: Feb. 26, 2002 RELEASE and WAIVER 036 For good and valuable consideration, the receipt and sufficiency of which is acknowledged, I, Fiona Haag do hereby forever release and waive all rights under and by virtue of the Homestead Exemption Laws of the State of Wyoming in regard to Lot 27 of Blue Lake Estates Subdivision, Lincoln County, Wyoming, according to that plat recorded November 13, 1991 as Instrument No. 740865 in the Office of the County Clerk. together with all improvements thereon. I realize that my husband Cameron Haag has applied for a loan in connection with the pur:hase of the said property presently owned by E. V. Alice M. Erkenbrack and acknowledge that the said Executive Lending Services has relied upon this release and waiver in making the said loan. August 2000. STATE OF WYOMING ss. County of Teton The foregoing instrument was acknowledged before me this 3rd day of August 2000, by Fiona Haag Fiona Haag