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TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the County of Lincoln [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] SEE ATTACHED LEGAL DESCRIPTION Parcel ID Number: which currently has the address of 175 ETNA WEST COUNTY ROAD #169 [Street] ETNA [City] Wyoming 83118 [Zip Code] "Property Address TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this 8634 2283372 C)-6(WY) (9904).01 Initials: 1. L(..� 638 12 Page 3 of 16 Form 3051 3/99 661£ L50£ wiod 6 9 g t to y °Bed t01y066) (AM)9- ZLEE8ZZ t 98 slunouze am `amehd a1aiM pug u014M 'Apo013p Sed !lens 1aMO11og `1anMe( eons 3o Juana am ul IuilUM 11 aq Apo Aett 1an3eM Bons Auy •amp A11e 1e stuaq Moiosg !te JO ,Cue 1o; spung lapua-! 01 Aed of uou152Hgo s,10M0110g OnreM A5m lapua'I •sulalj M01osg H5 10 Aue 1o; spung ag1 ,Cud of uo12e3t1go s,iaMOZaog sanieM lapuai ssalun small mama 1o; spung agl lapua-1 i d !legs 1oMO11og 110930S spji .tapun pled aq 01 slunot a 3o 500''011 ll5 lapuOZ 01 gsttun; Aildtlold liens J0M011og •tual! 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Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal 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 agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 8634 2283372 -6(WY) (990401 Page 5 of 15 Initials: 640 12: Form 3051 3/99 66/6 L9OE W10j 911 to g 813ed a�eiliu� 1 4 Lo (voss) (AM(g- L888ZZ 17898 tIIM `anp uatt iou to uatlagM luaumulsul t(lunaas sup Aq pains stuns alp of patiddm aq Iiuls spaaooud aougunsut atp `pauassal aq ppom ,ilunoas s tapual JO 0lgisua3 tiiiurtutouooa 1ou si tIrdai JO uot1E101Sai all n •1 Mouuo 3o uotfgmt[go alos alp aq ins pus spaaooud aousunsut 0111 Jo ino piEd aq iou [lugs uamofog tiq pautslau `satusd purl[ taw to `suaisnfps ot[gnd toj saa3 •spaaooud ions uo Outuuua to lsataiut ,(us uaMonog ,fgd of pautnbau aq iou lists uapua'i `spaaooud aousunsut tons uo pid aq of maim! sannbau Mu'1 aiggoliddy to $uppm ut am' st luatuaaae uu ssaiun •palajdtuoo st voM agi ss sluaut,CSd ssau5oud jo sus u ut to luaut,(md abuts a ut uopguoisau pue sutedat aril toj spaaooud asungstp ,Cgtu tapua'l •,ipdtuoud uat muapun aq lists uopoadsut ions Intl papt■oud `uotioujspes s,uapua7 01 pafaldutoo uaaq suit 1uoM ail aunsua of ,Cuadoud dons loadsut of ,iltunuoddo us purl ssq uapua'I !pun spaaooud aoueunsut tons plot of ig$tu app anug l[sgs uapua'i `pouad uotleuoisal pus utedai LiOns UwfQ •pauassal loU st tilt.Inaas s pun algtsuaj ,fl[sotutouooa st utmdau to uotleuolsau alp ji `,(tadoud atp jo iidau to uotlelotsau of patjdde aq Timis `uapua'I tiq pautnbau Sum aouuunsut 2uUillapun atp loll JO 1atllatlJ spaaooud aoueunsut taus `2upuM ui aaau astMUatlo uaMOuuog pure tapuaj ssaiun •uamouog t(q ,Clidutoud am' iou 31 ssoi jo 3ooud aatetu tutu tapua'I •uapua'I pun t0i11e0 aOueunsui agf o1 aotlou ldtuo1d anti nets uaMODUOg `ssoi ;o 1110n2 0111 uj •aa,Cmd ssoi Iguoptppu. ug ss uo /pure aa2i iotu ss uapua'i aureu [lugs pull asnnp aMpout puspusls u apnlout Hugs ,fotlod tons `,Citadoud agi `Jo uotforuisap uo '01 a2mutmp toj `uapua''I /iq pautnbau aslmtagto iou `amuaeOO aaueunsut jo tuto. ILur sutelgo taMOUtog 31 •saotiou IL'Mauau pus sumnuaud mud jo sidtaoau lie uapuai 01 ant$ ,ipdtuoud 115149 uaMO.uog `sa.ttnbau uapuaj ji •sal5outuao ieMauau pull satotiod 0111 plot Ol iti$tu ail anBLi 115115 uapua'I •aat(5d ssoi isuotltppu ue ss u0/pu5 002a1.10uu s5 uapua'I atuRu imp pus `asn5io a2e2totu pugpueis 5 apnput juts `satotiod Lions anoidd5stp of into s,uapuaj of 1oafgns aq Tints satotiod tons 3o sl5Mauau pull uapua'i ,fq pautnbau satotiod aousunsut I1�' •luauz,(5d Sutlsanbau uaMODUOg of uapua'I utou3 aotiou uodn `isauaiut qons 111tH `aigs,(md aq nets pus luatuasungstp ;o amp alp tuouu also atom[ am 15 1sauatut usaq lists slunotue asatl, •luatunulsul ,iiunoas sill t(q pampas tamouuog 3o [gap i5uoptpps atuooaq lists S uot3Oas stgl uapun uapun- tCq pasungstp slunotus ,Cud •pautslgo ansg P1noo uaMODUGH 1et1 00umansut JO 1600 all paaoxa iCifusoutu$ts 10ml paureigo os afmuano0 a0uEunsut a141 3o moo am lull sapa1MO1n105 uaMOUaog loam ut riisnotnaid SEM usgi 021010A03 uassai t0 datuau$ ap!AOJd ig3tut pus Cuiltgsll to puersq `)isu Aug fsutg& `tCivadoid alp 3o slualuo0 atp to `duadoud all ut tCitnba s,uaMODUOg `uaMOIOg 10aloud iou 10ttu to 112ttu lnq `uapua'I tan00 dugs 0 5tan00 gons `ato;atatl,l, •0 5tano0 30 fun01ue t0 ad,C3 trimmed ,Ctte asstound of uotis2t[go ou uapun st uapua'I •asuadxa s,aaMODUOg pus uopdo s,tapua'i ill `0 5tano0 aotreunsut ut5lgo hut uapual `anogs paqu0sap sa5uano0 ail 30 ,Cum utulutgtu of sl53 taMODUOg 3I •uaMOUOg ,Cq uopoafgo tt5 tuo1u $upjnsau uopsutuuafap auoz poou Aug jo maw.' agi tut" uop0atttIO0 ut ,toua2y fuatuautmjs ,iouatatug Isuapad all (q pasodun saaj taus jo ivauz,fsd all toj algtsuodsau aq os15 1Isis 10MOduog •U0it5Out1100 JO uotleutuualap tons loam 11121ut ,(Igeuoseau 1OitM uno0o Wimp ISittuts 10 sButddstuau atop goes sagusgo ivanbasgns pus saotnuas uotlg0utua0 pus uotl5upt ualap auoz poou toj amp atoll -auo s (q) d0 `.9a0tnu0s gupp u1 pus uotle0Jiva0 `uopmutuualap auoz pOOJJ toj amp amp-alto a (5) :tamp `umo'I 91141 tIIM uoti0aUu00 ut `iced 01 .IaMOU.tog autnbau ,C5W uapuai •tCigsuoseauun paspouaxa aq iou pings 1142p gopim `001ot0 s,uaMODUOg anouddsstp o1 1g$u s,uapua'I of l0afgns uaMODUOg ,iq uaso140 aq hugs aOtreunsut at1 &utptnoud uauuso aousansut 0111 •uso'l 0141 ;o uual all 2uunp motto 1150 saoualuas 2uipaoaud all of lusnsund sannbau tapua'I le%M •sautnbau uapua'I 15141 spouad 0141 toj pure (w/o! algtlonpap t'utpnput) sumo= alp ut paurelututu aq lists 00ueunsut spu, •aousunsut sannbau uapua'I 10114M toj `spool; pug satignbg '01 pattunl iou lnq `2utpnput swung taw ,iue pus „`astano0 papua1xa„ twat all utgi!M papnput spinet! `mu ,(q ssoi isuta5 paunsut Apadoud ati uo pap= ualjuauat so 2upstxa Mou stuatuanoudtut at1 daat1 1t5149 taMOUJOg •a0u13dnsui £iaado. •s •uuo'I sttp gl!M uotl0auuo0 ut uapua'I ,iq pasn 00tnuas &utuodau t0 /pure uot1e013pan x53 alglsa luau m 10j 02u5110 atUp -auo g ti 5d of IaMOU.tog aumbat hut uapua'I uopoas spit up anogs q uoj las suopou all JO MOW .10 OLIO 03151 to 1101l all iC3sties [19149 uamouuog `uant2 st a0tlou 15141 t0I1M uo amp alp 3o stcup 01 TIt1IM •ualt 09071 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. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) 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 (c) 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: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable 8634 2283372 `frli -6(WY) 19904).01 Page 7 of 15 4 0 LL- 642 .12E' Form 3051 3/99 661E l50£ wand JET F179 g i p s eBed L01170661 (AM- ZLEE8ZZ tiE98 `luatunulsul Alunoas still ,Cq paznoas sums all o1 potjdde aq Huls spaaoozd snoausilaasm all `pauassal aq mom'Clunoas s 10 ajgtsgaj Ajuounouooa iou st ztgdaz zo uotluzolsaz all ji spaaoozd snoauujjaosm tans uo s$uttuea 10 lsazalut ,fie zamozzog pied of papnbat aq iou pets zapuarl `spaaoozd snoaug!aosm tons uo pied aq o1 lsazalu! saztnbaz mu'j ajggotlddy zo 2upum ut op= st luautaaag ug ssajun •palajduzoo st 3pom all se sluatuhd ssaaozd jo sus a ut JO luatuaszngstp alVuls a ut uoilezolsaz pug sztgdaz atp zo3 /Cud ,igtu zapua-j •,Cjldtuozd uaNguapun aq pets uopoadsut tons imp paptnozd `uopouJspgs s,zapua -j of palajdutoo uaaq sgq vjzom aql aznsua o1 Spacial tans 1oadsut o1 Iiltunuoddo ug put sgq zapual 'pun spaaoozd snoaugjaosijA tons pint of 1t2iz 3141 angt huts zapua-1 `pouad uopgzolsaz pug ztgdaz tons 2utznQ •pauassal IOU st Swims s,zapua'j pug ajgisga3 Ajjeanuouooa st ztgdaz zo uotlgzolsaz ag13t `,fuadozd am jo ztedaz JO 110j1E101saz 01 middy aq Vets spaaoozd snoaugjlaosiN tons `pautuep si ,ivadozd 3141 3I zapun of mud aq Ijgjs pug 01 paudtsse Agazaq aze spaaoozd snoauujjaosm jjy •a.mpajaog spaaoold snoauujaosukj 3o luamugjssy *TT •aloNj am ut paptnozd awl all is lsazalut pied o1 uopapgo s,zamozzog sloajjg pj uopoas sttl ut 2uttloN •mu-j ajggoijddy r q paztnbaz st uotlgutmzal 'pun 10 uotluuttuzal tans zoj Sutptnozd zapua-I pug zamozzog uaam1aq 1uatuaaz2g ualltzm Aug tjlim aouepzooau ut spua aoueznsul a8auojill zoj luautaztnbaz mapual flun `anzasaz ssoj ajggpunjaz -uou g aptnozd 01 JO `1aa33a ut aotreznsuj a5g2poy%j utelututu of paztnbaz sumtutazd atp Huts zamozzog `aotreznsul ahguoj zoj sumtutazd aril pzumol sivatu,ied palgu2!sap iilalezudas a)lgut 01 paztnbaz sem zamozzog pug uuo1 3141 t'unletu 3o uoptpuoo u su aouuznsul a2g5uoll paztnbaz zapua-1 jj •aougznsuj agg2u0 zo3 sumttuazd atp pzumol sluatu,ied palgugtsap ,ijaluzudas saztnbaz zapua-1 pue `pauu qo st `ajgejrene sauiooaq up2e zapuarl Aq paloalas zamsut ug ,Cq paptnozd (sazmbaz zapuarl 1ug1 pouad aq1 10J pug lino= at1 ui) auzanoo aouuznsuj agSuow JI sluatu1iud anzasaz ssoj azinbal zaguoj ou ueo zapuarl •amasaz ssoj tans uo auttuga zo lsazalu! Cue zamoUog hd of paztnbaz aq 1ou pugs zapuarl pug `Ipnj ut mud Sjalgtupjn st ugo-j at1 Imp lag3 at1 gutpuulsgltmlou `ajggpunjaz -uou aq jjt:gs anzasaz ssoj tons •aaugznsul aggguoJH 3o nap ut anzasaz ssoj ajggpunjaz -uou g sg sluatuhd asatl utglaz pug asn `idaoou jjtm zapua-1 •lyaga ut aq o1 pasgao agezanoa aouuznsut alp uatm anp azam imp smut/cud palgu2tsap Sjalezgdas alp jo lunotue aril zapuarj o1 pied of anupuoo jjggs Jammu `ajgepgnu 1ou st aezanoo aoueznsuj °Wimjpl luajuntnba Sjjetltrelsgns 31 •zapua-j ,fq paloajas zaznsut aVapotu aiguzalju ug wag `ova ut Ajsnotnazd aouuznsuj a2eS110 A aq1 Jo zamozzog o1 lsoo atp of luajuntnba Cjteiltteisgns lsoa a 1g `magga ut Sjsnotnazd aouuznsuj affauoJH aril 01 ivajgntnba AHgpuglsgns agzanoa ute1g0 01 paztnbaz stunttuazd 3141 ,Cgd ljets zamouog `aauuznsul a2g2uow zo; stuniutazd at1 pzgmol sluatu,Cgd palgu2tsap Ajalgzsdas wimp o1 paztnbaz SEM zamozzog pug aaugznsui tons paptnozd Alsnojnazd Imp zaznsut a2auotu atp utozu ajggjtgne ail o1 sasgao zapua'l RI pazmbaz aezanoo aaugznsul a2g2uoJA 3141 `uosgaz Aug zoj `3l •loajJa ut aougznsul agSuoJA 3141 utelutuut o1 paztnbaz sutntutazd 3141 lied puts zamozzog `mil 3141 gupjeut ;o uompuoa g sg aouuznsuj aae$uoJA paztnbaz zapua-1 3I •aougznsui 33altojk •o $utltzm ut mat= at101 saaag zapuarj ssajun Hggs app aa3 am pug Notional am quadozd all 01 aj1i1 aa3 sazmbag zamozzog Jj •asgaj 3141 jo suoistnozd agl pg TIM Xjdutoo HMIs 13M011013 `pjogasgal a uo st luatutulsul 1i1unoas sill 3I •luatuked gupsanbaz zamozzog 0l zapua-j wag aotlou uodn `lsazaluj tons qpm `ajgghd aq Ijgts pug luatuaszngstp 3o am) all tuozu am 310N all 1u lsazalui nag Hugs muumuu asau •luatutulsul £lunaas slip paznaas zamozzog 30 Nap jguoiltppu atuooaq Vets 6 uopoas sttl zapun zapua-1 ,iq paszngsip slunotuu Jiuy •6 uopoas still zapun pazuogmg suopoe jig 10 Sue &upjul lot zoj ,(lijjqutl ou &moot zapua3 imp Nadu st 1j •os op 01 not apgo JO X3np Aug zapun 1ou st pug os op of angt iou saop zapua-1 `6 uotlaas sits zapun uoiloe aalgl htu zapua' Onogljy •jj0 10 110 patuni saptjpn aneq put: `suoiltpuoa snozauep 10 suouejotn apoo zaglo JO Rutpjtnq algunutja 'sadid uzoz3 zalgm utuzp `smoputm pug stoop do pzgoq zo aogjdaz `nlooj auugo `sztedaz a/gtu 01 Xuadozd atl &tzalua `in palitutl 1ou st 1nq `sapnjout iCuadozd aril $uunaas •5utpaaoozd RoldnzDjugq g ui uotltsod pamaas 21! $utpnlout luautnzlsuj Swims spp zapun slg2tz Jo /pug iivadozd all ut lsazalu! sUt loalozd 01 saaj ,s1Cattzollu 17RRI,.9`0 GT4,1,9RO 080'7'719 086:884 8634 2283372 CID -6(WY) (9904).01 Page 9 of 15 initials: i;k„! 644 whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Form 3051 3/99 1.01t066) (AM)9 66 /E 650£ WO j 91. 1 of e6ed �,j. sieluui a ZL££8ZZ tE98 ajquoljddy gunk smujuoo a3oN am Jo 3uatufh1sui A3unpaS sup 3o asnep Jo uotstnoid Aut 1gg1 3Uana aql ui •loeiluoo Aq luatuaade 3sute813 uotligigoid g se pannsuoo aq iou "jeus aouajis eons inq 'luaus aq 1g8tut 11 Jo 1oea3uoo Sq aat& o3 sat3Jed aq1 mojj13 Aj3iptjdut! Jo App!jdxa 1101111 muZ aigzotjddd Mg ajgeotjddd 3o suoputuu l pee s3uautaunba1 Atre o3 3oafgns aJe 3uaunulsui A3unoaS sup ut paureluoo suotlu8tjgo Pug MOP jjd •pa3eooi st Auadomd a'3 'plunk lit uotlotpsunf ag1jo mei ag3 pee M13l jg1apa3 Aq patuano8 aq !lees 3uatutuisui SlunoaS s!U, •uoiponJ3suop 3o saint' :A3tjiq>;aanas :Meg 8uivaanop '91 •3uaumJlsui Alunpas sup Japan 3uatua1inba1 8u!pu0dsa1JOO 0131 A3stles 11!M 1UatuaJmba1 Meg aigeotjddv a'3 'M13-i ajquotjddy Japan paimbai oslu st matrix Alunoas sup Aq pannbat aopou Aug 3i •Japua-i Aq panlaoai AIemoe "pun Japua o3 uant8 uaaq anew o3 pautaap aq 1ou 'pus maximum' A3t1noas 5N1 g3!M uopoauuoo lit ao!3ou Sad •Jam0JJOg o3 apt3ou Sq ssaIppe Jatpoug paleuV1sap sue Japual mum utaJaq pawls ssa.zppe s,Japual o3 Hew sop 3sau Aq 3! 8utlteul Aq Jo 11 8uuanllap Aq uant8 aq jj13gs Japual o1 00!3011 Aud *amp alto Sue 313 3uatunJlsu! AlunoaS sup Japan ssaappe aotlou pa113u8isap alto Ajuo aq hex anti! 'aznpaooid paptoads 3e1j1 g2no1g1 ssaJpp133o a &ugg0 u uoda.z Ajuo !lugs JamolOg uatp 'ssazppe 3O a2Ueep s,Jamo1JOg 8utuodai Jo3 aznpaooid 13 sagioads Japual 3j •ssaappe 30 aguep s,JaMOJJOg 3o Japua'i A3p0u Aj3d1uo1d !lees Jamortog •Japua' o3 aopou Aq ssaappe appou alnhl3sgns 13 paleu8!sap set" JamuJJO% ssajun ssatppd AuadoJd a i1 aq !jugs ssaIppe a 1!lou atii, •as1MJa'lo sannbat Ajssaidxa Mir ajg13ojjddd ssajun sIaMO.uog jig o3 a1j3ou alnlpsuoo !legs 10mo110g 0110 Aug 0100T3ON 'maul 101310 Aq 3uas 3l native a0pOu s,.tamouog 01 pa1ant"ap Ajjenlpe wok Jo Bete sse30 log Aq pai!utu uagM 10m0JJOg o1 uant8 uaaq anew 01 patuoap aq !"eqS luatutuisui Alun0aS sup g1!M uoj30atluo0 113 JamollOg o3 a0Tlou Aud •Butu1M lit aq 1 Stl tu luannulsui Aum0aS sup gltm uot30auuo0 lit Japual JO Jamo1JOg Aq uan18 sap3Iou ITd •sa0130N 'ST •a8J13g0Jano'ions 3O 3no 8utsus anti lg2tut Jamo1JOg u013013301g231 Sue 30 Jant13M a a1n3t3suo0 333M 10M01.10g 03 luatu113d 10a1ip Aq ap1311t punja1 'pus Au133O aouglda00e s,.zaMOSiog •(aloN 0111 Japan 103 papinold st a8J13go 3uauwAedaId 13 1ou Jo Jagla14M) 08113130 3uaulAudald Aug lno'3TM luatui13datd !Rued a se plum aq !um uoponpal aq1 'pldpuud sa0npa1 punJal a 3i •Jamo1JOg o1 luatu113d 30aJtp 13 2unlutu Aq 10 aIoN a'3 Japun pamo ludputId 0143 81130npa1 Sq punJa1 sup wpm o3 aso0gp Agtu Japual •JaMOJJOg o1 paputuaz aq 333M smut! pal3juuad papaa0xa uoltim JaMOJJOg tuauu p01001300 ApeaJje sums Aue (q) pee :um!' palltuuad a'1 01021ugo a'1 aonpai o1 A1gss00011 lunoum am Aq paonpai aq !jugs 08113140 um)! eons Au13 (e) :uag1 'smell pallituaad aq3 0000x0 ueo1 a'1mink uop0attuoo lit pa30aljo0 aq o1 10 p0loajj00 sa8J13g0 11130! zaelo Jo lsaialui 3141 113141 os palaztalat A3jgui3 s! mul 1eg1 pug `sa2Jeuo item tunuzIxeuz slas goiem Mel a Ol l0afgns st ue0'1 01413i ajgeotiddv Aq Jo luaurtulsui A1!znpaS sup Aq pa13gigo1d Ajssaidxa 0113 313143 saa3 0211380 mu Amu Japual •aa3 lions jo 8uT2Jego 0143 uo uoptgtgold 13 s13 panalsuoo aq 1ou'pus Jamouog o1 aa3 pt31oods g 08113110 031uatutu1sui Sumas SRI lit A3uo141n13 ssaidxa jo aouasqu am 'saa3 Jag3o Sure 01 p1e8a1 ui •saa3 uotl13n"13n 01113 uot30adsu3 Suadoid 'saa3 ,sAauJojlg '03 pa1itut3 Sou 3nq '8ulpnput `luatutu3su3 A3TJnoaS slop Japan s3'81J puu 1Cuadold 0111 lit 1sa.1a3ul s,Japua1 8upoalold jo asodmd a'3 103 '11n133ap s,.taMo1zog tpum uol30auuoo ut pattuo3Jad sap3AJas Jo3 saa3 10M0JJ0g 0BJU1p Suet Japua -i •sa8Jt3g3 uuo' •bT •Japaa-1 3o su8tsse puu saossa0ons ag311Jauaq pug (oz uol300S lit papinold ss ldaoxa) putq Hues 3uaunuisui A1!moas sup 3o sl11autaa1813 puu sltreuano0 aril, •BuptIM uT asga1a1 gons 01 saa1813 Japuai ssa3tm luautnJlsui A3tmoaS sup Japun Alti1g1313 pug suopu8ggo s,JaMOJJOg 111013 pas130301 aq 3ou !jails Jamo1JOg •luatungsui A3unmpS slur Japan sliJauaq pug 8311811 s,JaM011og 30 1113 ut13igo jl13gs 'Japua7 Aq panoadd13 s3 pug '8upum lit luattuulsui AulnoaS sup Japan suop138tjgo mammon saumsse ouM J0M011013 JO 1saJa3u3 lit Jossa0onS Aug '81 uot10aS 3o suotslnoId alp 03 3oafgns •3uasuo0 s,Jau$ts -oo 0133 3nogltM 010N Jul 10 luatu1Jlsui AlunoaS sup 3o StuIa3 a141 01 0113801 gunk suoll13potuuuo00E Acre aletu 10 Jeagio3 'A31pout 'puma of 001813 u13o Jamo1JOg mae10 Ault pure Japual 1g saww813 (o) pus :luatutuisuj A1un0as s1143 Aq pamoas stuns a143 A13d o1 pa1138T"go Ajleuosiad 1ou st (q) :1UaumJlsui AlunoaS sup 3o semi 0131 Japan Auadold a'1 113 lsaaa3u! s,Jau2ts -00 0143 Aanuoo pu13 1111318 'a8138uoui Ol /quo luatunIlsui S1tlnoas V9() ,j1 trn 0867719 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: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by 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 8634 2283372 (sip -6(WY) (990401 I) 12 646 Initials: Page 11 of 19 Form 3051 3/99 66 /E 650£ WJod 9l o z t eBed 1.01v066) (AM)9- ISO sTBmul �i •dnueatj ieluautuoitnug ue io3 iapua-i uo uopeSpgo Cue alum !legs u!aiat &uttioN At ie1Uatuuo1Inug tp!m aouepi000e ut suoploe p!patuai Aiessaoau lie qui Apduioid !igls iamoiiog 'Anssaoau si ,ivadoid agt 2unoaJ3e aOuglsgns snoprezel Niue 3o uotlutpauiai iaglo so lenotuai ,Cue futl 'And alunud Aug so 'AuJotpnv kioleln2ai io ieluaunuano2 Niue £q papjpou s! JO `surea! iamoiiog 31 'filmdom att Jo amen agt s1oajje Riasianpe iOtgm aouefsgns SnoprezeH E Jo asuapai io asn `aouasaid pasneo uopIpuoo Niue (o) pus `aoustsgns snoprezeH Niue 3o asealai Jo fgaill io aseapi `aBrenospp iuppa! lupiipds Pius `ol pal!ui!I fou mg Suppniou! `uotttpuoD Iuluauiuoi1nug ,Cuu (q) `aSpaimoul mum set iamoiiog gopim ;o me7 Ieluatuuoipnug io aouelsgns snopizeH Aug pus ,ipadoid alp Vu1Alonui Ausd aluntid so Aoua2e Aiolein2ai 10 Ip1uauiuiano2 Cue iiq uopoe iatl° JO mime! `pugtuap 'wpep `uope2psanu1 Age (E) Jo aopou uaupm iapua-i ant2 ,ipdtuoid !tugs iamoiiog •(slonpoid iatunsuoo up saouuisgns snopiezeg `o1 palptutl 1ou 1nq Iuipnput) filmdoid alp Jo aoueualutetu of pus sasn 1ppivaptsai puuou of alspdoidde aq of paztu2ooai ,i!leiaua2 are pip saouutsgns snopiszsg 3o sappuunb pup ;o Auadoid atp uo age101S so `asn `aouasaid alp of Aidde iou !lets saoualuas om1 5uipaoaid auj, •Apadoid alp 3o amen aril s1oajjs psianpe 1eip uopipuoo a sateaiO 'aousisgns snop1BZBH 3o aseaiai io `asn `aouasaid ail of anp `go!tM (o) so `uoilipuop lsluauiuoitnug uu Sals01O gopg& (q) `mei 1u1uautuoi1n113 Icug JO UotlgjOtA U! SI 1s (u) Aliadoid 0q1 SupoaJg Sup pAug `op o1 asja auoIctre moils 10U `op lou Bets iamouog •Apadoid at1 ut 10 uo `saouelsgns snopmzeH Aue asuaiai o1 uafsanp JO `saouetsgns snoprezeH Aug Jo assaiai JO `a2eious `Iesodsip `asn `aouasaid atp *wad io asneo IOU !legs 1 M0u0g •dnugalj lgluau1Uoipnug ue ia83ti1 astmiagto 10 `01 aingpiuoo `asnso ueo tell uompuoo a susaut „uotutpuo3 lsluatuuoitnug„ us (p) pup `MWJ Is1uaunioi!Aug up paut ap SE '11093E tunotuai io `UOpor luipauiai `uopoe asuodsai ,fee sapnpui „dnueaij leluatuuoilAug„ (o) :uopoaloid luluatuuoitnua JO Amps `ttisal of app.' imp papool s! filmdom alp aia1M uop1Otpsunf all Jo smut pug smei psiapaj suuaut „Mel ieluau1uoi1nug„ (q) `.sIeuaptu anposotpei pug `apXgapisuuo3 JO soisagse 8uiupeluoo siepialeui `sluanios aiilelon `saptngiag pus sapp3psad opxol `stonpoid umaloilad otxol io aigetutneti iag10 `auasoiaN `augosg8 :saouelsgns 8utmoitoj alt puu Awl leluatuuoipnug Aq SO1SEM 10 `sfuglniiod `saouetsgns snopigzeg JO Otxol se paugap saouutsgns asoll are „saouepgns snoprezeH„ (g) 41)9 )CT ZL888ZZ jiC98 :It uopoas spit up pasn sy •saouglsgns snopagzeH •IZ 'OZ u01Ms situ JO SUOISIAOid uopou an qui o1 iCuunuoddo pug aopou atp AJspus o1 pauiaap aq pugs gl uopoas o1 lusnsind 1OMOiiog 01 uan18 uotteia1aoOe Jo aop1ou all pee ZZ uopoas o1 luunsind 10M0110g 01 uant3 aino o1 iitunuoddo puu uoplsiapoou 3o aopou au •idsi8v d situ 3o sasodind ioj algeuossai aq of pauiaap aq !!pm popad atop tutu 'imp) aq ego uottoe upeuao =Jag asde1a lsntu gpitm popad au saptnoid me-i algeoplddy 3I •uoploe anpOauo3 alel 01 aopou tonS 30 2u14 at1 iatje popad ajgeuoseai a ofaiat Aped iatpo alp papioJJu pue 1Oeaiq pa8aile tons Jo (gt uopoas Jo stuaumitnbai at1 gltm aouepldtuo3 up uan12 aopou Tits gum) Aped iatpo ail pagpou set iapua-I 10 iamolog tons !pun '1Uauinilsui iil spit `Jo U0seai Aq paMO Mnp !Cue 10 `Jo uopsInoid fug patoeaiq set ,spud iatpo out tuts sa8atle 1et1 tuaumilsui ,it silt 01 lugnsind suopOe sditiud iatlo at1 moil saspre imp (sop u Jo iagtuatu all io 11I 11i Isnp!nppu! uu iatlIa se) Uopoe !mpg Cue 01 pautof aq 10 'up(' 'aouaunuo3 ,Ceui iapua'i 1011 iam0uog iatptaN •iasegoind a1oN all Aq pappnoid as1Miaglo ssalun iasugoind a1oN all ,iq pauinssu iou are pug iaop uas ueori iossaoons g o1 pauaJsuuil aq JO iaO1nias ugori all tiM Utetuai !!pm iamouog 01 suop u2pgo 2upopnias uuot o2uSpopu all 'a10N all Jo iasegoind all uutl iatlo iaotnias ago"! a Aq paopnias s1 ue01 all ialjsaiatl pee Nos sp aloN all dI •Suptnias Jo iajsugi1 Jo aopou a t1!M uotloauuoo up saitnbai 1T ,V RO 0867884 NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all 'rights under and by virtue of the homestead exemption laws of Wyoming. 8634 2283372 co -6(WY) (9904).01 Page 13 of 15 Initials: 131 648 Form 3051 3/99 66/£ l50£ wiod lanMonog- (Ieas) .iamonog- (Ieas) ia mon o g- (Teas) aamonog- (Teas) iamonog- (Teas) 'ET 669 A31J10 }dl4AVH 9 t to b L 9694 ZL888ZZ 7E98 iamonog- (Teas) .tamonog- (Teas) iamonog- (Teas) tS Wa9 O to (boss( (AM)9- sassauliM •lt Mph papzooaz pug zannozzog itq painoaxa zaptg Aug ut pug luatatulsul Alunaag sup ut pautgiuoo sluguanoo pug suuai alp of saaag pug sidaoog zannozzog `MO'Igg JNINJIS X I 0&7834 3 STATE OF WYOMING, Lincoln County ss: The foregoing instrument was acknowledged before me this August 18, 2000 by RAYMA WOLFLEY My Commission Expires: January 11, 2004 LAURIE McKEE NOTARY PUBLIC COUNTY OF STATE OF LINCOLN WYOMING 8634 2283372 -6(WY) (9904) 01 Page 16 of 16 650 Form 3051 3/99 'ONINNIDMI dO LNIOd aqf of spa.' OZ 4sea aouagp !spa/ 08 gpnog aouagp !spa' 08 qqaoN aouaql 5uzuuna ue :spa." OZ gsaM aouaqp P 01 uoTgoag pees go aauaoo gseagnnog aqf go gsaM spoa Of, pus ggaoN spoa 08 ST goigM quiod a Je DNINNIOaS butwo�CM '��unoJ u oout :sMoTTo; se pagiaosep kT.zetnoTlaed aaom t Z ''W'd tIg9 aqf go M6t1I NSEIOf9G uoinoes go gaed pug' pagiaosap SurMOTTo3 eLI� o le g 991 gsaM ails P I Z 3 �iuno `�uiuzo�C :snnollo3 se paquasap Si u� u oaui J A, jo aids alp !IT paiunits s! ivauiitunuoa s ut o nil l pauajaa purl aqs Y1i 890L Vd :'°N Iuauriitutuo3 C 9 D aTIGS DS AAA Z86I INHIALLINIPIOD d,L'IV T6 /TT MANUFACTURED HOME RIDER TO MORTGAGE, DEED OF TRUST OR OTHER SECURITY INSTRUMENT 652 THIS MANUFACTURED HOME RIDER is made this day 18 of AUGUST, 2000 and is incorporated into and shall be deemed to amend and supplement that certain Mortgage, Deed of Trust or Other Security Instrument (the" Security Instrument of the same date hereof given by the undersigned (the Borrower(s) to secure Borrower's Promissory Note (or Manufactured Home Retail Installment Contract) to Oakwood Acceptance Corporation (the "Note Holder" or "Lender")of the same date hereof (the "Note and relating to the property described in the Security Instrument and located at: See Attached Exhibit A (Legal Description) The following provisions are applicable to the Security Instrument: 1. DESCRIPTION OF REAL PROPERTY. The description of the real property set forth in the Security Instrument is amended by the addition of the following: "Together with all improvements constructed upon, affixed to or located upon the above described real property, including without limitation any residential dwelling located upon or to be located thereon, which dwelling is or may be a manufactured home, as hereinbelow described, which manufactured home is or upon placement and affixation shall be conclusively deemed to be real estate (the "Manufactured Home Make: OAKWOOD Model: 3315000 No Certificate of Title has been issued Certificate of Title No. Make: Model: No Certificate of Title has been issued Certificate of Title No. 13E 2. MANUFACTURED HOME AS PERSONAL PROPERTY SECURITY. The Note is also secured by a security interest in favor of Note Holder in the following described manufactured home "Manufactured Home which is located on the real property described in the Security Instrument: 3. ADDITIONAL COVENANTS OF BORROWER(S) RELATING TO MANUFACTURED HOME. If Paragraph 1 has been marked and completed, Borrower(s) agree(s) to comply with all State and local laws and regulations relating to the affixation of the Manufactured Home to the real property described herein including, but not limited to, surrendering the Certificate of Title (if required), obtaining any governmental approval and executing any documentation necessary to classify the Manufactured Home as real property under State and local law. The Manufactured Home shall be at all times and for all purposes permanently affixed to and part of the real property described herein and shall not be removed from said real property. Borrower(s) covenant(s) that affixing the Manufactured Home to the real property described herein does not violate any zoning laws or other local requirements applicable to manufactured homes. Mfg. Home Rider Single 1 Form 480 Rev. #3 (2/19/99) OS6 7'719 653 13( If Paragraph 2 has been marked and completed, Borrower(s) agree(s) and covenant(s) that the Manufactured Home is and shall remain personal property, severable and separate from the real property described in the Security Instrument, and agree(s) and covenant(s) not to take any action, or fail to take any action, which would result in a change in such status. 4. SECURITY AGREEMENT AND FINANCING STATEMENT. This Security Instrument shall be a security agreement granting Lender a first and prior security interest in all of Borrower's right, title and interest in, to and under any personal property "Personal Property") which under and within the meaning of the applicable State laws is and cannot be classified and considered real property, if any. In the event of any foreclosure sale, whether made by Trustee or substitute trustee, or under judgment of the court or pursuant to a power of sale, all of the Property and Personal Property may, at the option of Lender, be sold as a whole or any part thereof. It shall not be necessary to have present at the place of such sale the Personal Property or any part thereof. Lender, as well as Trustee or any substitute trustee on Lender's behalf, shall have all the rights, remedies and recourses with respect to the Personal Property afforded to a "Secured Party" by the applicable state laws in addition to and not in limitation of the other rights and recourse afforded Lender and /or Trustee or any substitute trustee under this Security Instrument. Borrower(s) shall, upon demand, pay to Lender the amount of any and all expenses, including the fees and disbursements of Lender's legal counsel and of any experts and agents which Lender may incur in conjunction with: (i) the making and /or administration of this Security Instrument; (ii) the custody, preservation, use or operation of, or the sale or collection from, or other realization upon any property, real and /or personal, described in this Security Instrument, (iii) the exercise or enforcement of any of the rights of Lender under this Security Instrument; or (iv) the failure by Borrower(s) to perform or observe any of the provisions or covenants in this Security Instrument. Lender may, at its election, at any time after the delivery of this Security Instrument, sign one or more copies of this Security Instrument in order that such copies may be used as a financing statement under the applicable State laws. Lender's signature need not be acknowledged, and is not necessary to the effectiveness hereof as a deed of trust, a security agreement, or (unless otherwise required by applicable law) a financing statement. 5. RESPONSIBILITY FOR IMPROVEMENTS. Lender shall not be responsible for any improvements made or to be made, or for their completion, relating to the real property, and shall not in any way be considered a guarantor of performance by any person or party providing or effecting such improvements. 6. FUNDS FOR TAXES AND INSURANCE. Paragraph 2 of the Security Instrument is amended to provide that "Funds as therein defined, are to be paid by Borrower only if Borrower has elected to establish an escrow account for such funds. 7. MISCELLANEOUS. The following paragraphs of the Security Instrument are deleted and are of no force and effect, unless [1] Note Holder sells, transfers and assigns all or some of its right, title and interest under the Note and Security Instrument to the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association, [ii] unless the Note Holder executes an affidavit to the effect that such paragraph(s) or portions thereof are effective, or [iii] the provisions of such paragraphs are required pursuant to the laws of the State where the Property is located (as distinguished from the requirements of the Federal Home Loan Mortgage Corporation or Federal National Mortgage Association): paragraphs 2, 18 and the provisions of paragraph 21 dealing with right to cure and reinstatement. Mfg. Home Rider Single 2 Form 480 R�II.113/99) (66/6 L2) 'naj 0917 wood al6uig Jai)! 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