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HomeMy WebLinkAbout866740Ew RELEASE op r This Mortgage SEf 8b1L M4&TUtES PAR 0007688534 DEFINITIONS 11 u i u 11 i il u A u u 11 u WYOMIIG -SIngle Family- -Fanni. Mu/Freddle Mao UNIFORM INSTRUMENT LT. 3/00 WHEN RECORDED MAIL TO: 365 7 Q First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 Space Above This Line For Recording Data MORTGAGE (A) "Security Instrument" means this document, which is dated June 26 2000 together with all Riders to this document (B) "Borrower" is RICHARD E NIMMO and GENEVA L NIMMO, husband and wife 00 JO' 1 11 4, Lh NCR BOOK 44 `pR PAGE 8 5 J 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. 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 June 26, 2 0 0 0 The Note states that Borrower owes Lender Eighty Thousand and No /100 Dollars (U.S. 80 000 0 0 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than July 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. (initials) Form 3051 3/99 (page 1 of 15 pages) MWYOICV (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 Balloon Rider 1-4 Family Rider (11) "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. (I) "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. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does Loan Number: 0007688534 W YOMINGSingle Family—Fannie Mao/Freddla Mac UNIFORM INSTRUMENT I.T. 3/00 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Initials Initials Second Home Rider Other(s) [specify] 858 Form 3051 3/90 (page 2 of 15 pages) MWY02CV A3VOAMW (set3ed 9l /o g ()Bed) ewe Leos w o owe '1'1 Dammam modtNn Oen MPPeid/eeW eemed--N e1BWs -ceem AM P£9889L000 aegwnN uso, °Jajsuri j, spun oiuozloaig (p) Jo Mr ua Jo `Amtluarutu;sut `,foua8e iezapa3 a /Cq paznsui an slisodap asogm uopnlpsui ue uodn umrip st loago lions ,Cup papinozd 'row s,zaigsro Jo 3loago s,1aznsea1; `Vago Vueq. 'pap pagpuao (o) 'Japzo ,CauomU (q) 'gsro (r) =pun /Cq paloaias se 'suuo; 8uimoiio3 ail jo alma Jo OW iq apeut aq luatunJlsul Alunoas sap pup aloN alp zapun anp sluatuArd luanbasgns pr JO Cue Imp azinbaz 1Ceut Japua-I `piedun zapua-I of paum;az st Iuatunzlsul eflunoas sigl Jo aloN a't Japan ntautded se zapua-I ,(q pa /goo= luatunzlsui Ja JO pap due di 'JanaMOH •Aouauno •s•n ui opera aq HMIS IuatunJ1SUI AlunOas sigl pup alolg all Japan anp slaautArd uopoas of luensmd small MoiOsg ioj spun; A d osp hags J2M01J0 °aloN atp Japan anp saSzego alel pue solirga IuatuArdazd ,Cue pue aloM all Aq paouapina lgop atp `uo Isazalut pue `3o iedpuud all anp uagM ad Hugs JaMOJJOf •saHaeg3 awl pue 'sa8.nng0 ;uaut,fedaJd 'sma ;I Moaasa ;saca ;aI 'iedpupad Jo ;uauz,fed :smoiio; se aaJBe pue Immo /too JapuaZ par Jamozzog 'SINVN AOO WUOdINf1 •410dozd iraJ SuuanoO luatunzlSUI *mops tuzojiun r alnlpsuoo of uopoipsun f Aq suoileurn palituti glint wawa/too tuzO3tun -uou pue asn Iruopru 10J sluruan03 tUZOJTun sauiqutoo ZAIaNIfI'I.LSNI A,LRIf10as SIH,L -woo= jo saauezqumoua Niue of loafgns `spueatap pue smp p Iie Isu!Be 4Cuado1d a p of app aril Aipriaua pUaJap iiiM pug Sluezz1M JOMOJJOg 'mow 3o saourzqumoua Jo; Idooxa `pazagtunouaun si Alzadozd alp imp pue MUadoJd all iianuoo pUe Tara `a8rnzotu of lg8u alp srq pue paiianuoo /igazaq alma all 3o pasias AiinJmri si Jamouog lt'tll SINVAiaA00 2IHMO2RIOg „•duadozd„ agl se luatuttusul Alunoas sup ut of pomp' 5! 8uio8azo3 all JO iii' •lUaumzlsul Alun °as sap ,(q pazanoO aq osir imp suoilippe pue sluatuaoeidaz Iid •Auadozd all jo Izpd p Jaurazaq Jo Mott saJnlxig pue `saOUeuaundde 'sluatuasra Iip pue `Aliadozd agl uo pap= impala! Jo MOU sluauianozdutt atp iie H.LIM 2I3H,La 6 58 [dill „ssazppy Auado1d 01. 1, 8 SuFtioAM [Iaa12S] 133111S [AID] NO1dV ;o ssazppe atp srq Apuaimo !OigM 'JNINNI038 AO 1NIOd 3H1 01 SOOH 9 1S3M 33N3H1 !SO0H 01. H1fOS 33N3H1 !SO0H 9 1SV3 33N3H1 !SO0H 01. H1HON 33N3H1 JNINNOH ONV '31ISNM01 JNIWOAM 'NO1dV '8 )10018 `ti 101 d0 83N803 1S3MH1110S 3H1 1V JNI3N311W03 [uopotpspnf Buuipzooa2i3o aturN] [uopoipsunf Suipzooa213o adAsl N103NI1 JO AZI41100 all ui paleooi ,ilzadozd paquosap 8uimoiio3 all `airs jo zamod glint 'suatsse pun szossaOOns s,1apua -I pur zapua-I of Aonuoo par miff `a8e8uout R 017699R0 0866740 860 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: 0007688534 WYOMINQ.eingle Famiy —Fanni Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initials orm 3051 3/09 (page 4 of 15 pages) MWYOICV AOSOAM I (seed lit /O g eyed) swe ism wioa /0 1g1B1uu1 (slrluuo oae •1 1N]NIn usta tritium O.W 'IPP'4 0 Y1 N U 8 1aWSONIWOAM ti£SgggL000.ieglunN U801 jrlaj `ut uaTj atjp 3o puatuaongua psatmlr spuajap 10 `,Cq gpinj pool uT uatj alp S;sa;uoO (q) ;uaataazls lions lutauojiad sr zamouog sr luoj os iijuo ;nq `zapuaZ o; ajgmpdaoom iami to uT uaq otp Aq pampas uoprlggo alp jo ;uatuked alp o; lut;uM uT saazln (r) :iamoUog ssajun puatunzpsuj ,i;unoos stgp JOAO A;uoud srg gown uaTj Attr a$zngostp Apdutoid pugs zamouog uopoas uT paranoid Jammu atp ut tuaij; Ard 'Otis zamozzog 'mail mozosg azn SUM! asatji nip wawa alp o j, •,Cur Jr 'spuatussassy pun `saaa `sang uoprtpossy Aptuntuutoj pun `Aus 3t `AUadozd of p uo Spuaz ptmozl io spuautXrd pjogassaj `puatunz;saj JCpunoas snq; JOAO R ;Tzotzd uit11r uro gopj t Rpzadozd alp o; ajgn;nquw suoptsodatt pun `sang `salingo `s;uatussassr `saxrp us gird jjrgs zaMOUOg 'sum :sa2arg3 •zapuaj Aq pjag spund Cu r iamouog o; punjaz iipdatozd pugs Japua `puatuiuisaj Riiznoas siq; Aq paznoas sums iir jo iinj ut puacaArd uodn •s;uatuAmd Ajgpuoat anjaM3 amp azoat ou ut inq 'yam; train aoumpi000r ut Aouatogap alp dn app w o; Aznssaoau punotur alp zapuaZ o; Ard pugs zamouog pus `vdSa2I iCq pazmbaz Sn zaMOUOg Ajpou fngs zapaa'I `YdSga iapun paugap sn `MOZOSa UT ppij spund jo ICOUa!Ogap r sT amp 31 •sluaauArd ICjgpuout anjaM; untp azotu ou uT ;nq `VdSg2I Tim aourpz000r uT almzogs alp dn alrtu o; 6znssaoau ;unouzs alp zapuaZ o; Ard pugs iamouog pan `ydsazi Aq pazmbaz SE zamozzog Ajpou pugs zapuaj `Vdsga zapun paugap se `MOJOSO at pjaq spund 3o alspzogs r st azatp JI 'ddsaU ATM aourpz000m TIT spun3 SS3X0 alp JOJ zaMOUOg o; punoOOr zings zapuaZ `ddSa T zapun paagap Sn `MOJOSa uT pjaq spund 3o snjdms r st azatp Jj ddSg2I Rq pazmbaz sr spund of p JO lupun000n jrnuUr un `alisgo ;notptM `zaMOUOg o; aATB pugs zapuaZ -spund alp uo pled aq pugs Isamu! ;nip `JanaMOq `luppm ut aaan uro zapuaZ pun JOMOIJOg spund alp uo slunuzna 10 ;saza;ut J MOUOg Ard o; pazmbaz aq jou pugs zapuaZ `spund alp uo pird aq o; isaiaiui sazmbaz mr ajgrOTjddy JO luppm uT apnat Si puatuaazls us ssajun •alzrgo s lions a)jntu o; zapuaZ sptauiad Akre' ajgmoijddy pare spund alp uo psaiaput JOMozzog S,Crd zapuaj ssajun `stua ;j mama aqp lup uan .10 `ptzfOOM mama alp luizAjnan ,Cjjmnuur 'spund alp lip/Ciddn pun lunpjoq zo; zamouog alzngo 1011 pugs zapuaZ •Vdsgli zapun paJTpads amp alp urtp Jaw( ou stua ;j Mo /OSg otp Xrd o; spund alp Ajdds Ijngs zapuaZ -Aug Tirol auaog jmzapa ,Cur uT JO (pamsut os pis spisodap asogM uopn;psui um st iopua-j 3t `zapuaZ luipnjout) A;pua JO `ii;ijspuatanu;sui `Aoualn jriapaj r Xq poinsaT aze spisodap asogM uopn;psuT ur uT pjaq aq pegs spund agy •Mr-j ajgrotjddy tram aoumpzoOO5 uT asiMJatpo JO Saaapl Mo1OSg ainpnj jo saimipaadxa jo sa ;ntupsa ajgsaossoi pur m ;np ;uauno jo stst:q ag; no anp spund 3o punotar alp apstapsa pugs /apaaj •ddsgu zapun aiinba/ u1O zapuaj r moms atntuptstu alp pox o; you (z) Put ddSa i zapun pat ;toads amp alp ;r spund atp Ajd& o; zapuaj pTauzad o; ;uaiOt33ns (j) punoure us uT spund pjoq pus poajiOO `amp Cur is `Arau zapuaj uopoas sttj; Japan pazmbaz uagp is ;rip `spunoure lions uT pus 'splin jjs zapuaj o; iCrd jjugs zamouog `uoproonaz lions uodn `pus gj uopoas tram aourpi000r ui uan!l aOpou r ,Cq atop Cur pr man moJOSg jjr JO Aur o; sr zan1M aqp a)jonaJ ARM zapuaj ;unotum lions ,Cur zapuaj o; /Cud= 01 6 uopoas zapun pa;rltjgo aq uagp jjugs zaAouog pun plums lions dud pus 6 uopoas zapun spilt/ s ;n aSTOZaxa Asia zapuaj `Juan Mo1OSg us zo3 tip moms alp £rd o; sjir; zamouog pus `Jantmm r o; punnsmd `Aj ;paitp small mama rind op papnlijgo si Jamming 3I 6 uopoas Tit pasn Si „;uatuaazlr pus pusaanoO„ assigd alp sr `;uautttz;saj itpinoas stq; Tit paulepuoo ;uatuaazln pur ;unuanoO n aq o; pump aq sasodmd jjn ioj jjugs spdtaooi apTAozd op par spuautArd lions artu 01 uol ;nlijgo s,zamouog •aznnbaz AMU zapuaj sr pouad amp lion utgpnm puatuAzd lion lutouapTna s;diaoa/ zapuaZ op gsju nj jjrtjs `saitnbaz iapuaj 3t `par zapuaj Aq panTnM uaaq ssq spund jo puautArd 'pram zo3 saaapl moiosg Aus zoj anp s ;un0Ure alp `ajgsAsd aza1M pus uagm `Apoaztp 1Cmd pugs zamouog `zaATEM lionS JO ;uana alp uI •$upuM ut aq /Cjuo ,Csau JOATSM gMIS Tag 0171,9980 0866740 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:0007688534 WYOMING-Single Famiy-- Fannie Mae/Freddls Mac UNIFORM INSTRUMENT I.T. 3/00 862 orm 3051 3/99 (page 6 of 15 pages) MWYOOCV A0LOAMMI (se5ed gi so L oBed) eels teesd (SISIN O (SIBINuI) oo/S T1 .uarmUiSNI WhOANn O YI •PP•MieviI Muu•d--NIWSd 0 3113uI9.ONIWOAM VE9889L000:JegwnN ueol •asnEo ajgEuoseaz lions BuP,C;roads uopoadsuT zoualui uE lions oS zoud .10 3o turn an iE aopou zamOuog anTB !pis Zapua-j •Apadozd aq3 uo s3uauianozduit aq3 jo zoualuT aq3 SoadsuT ,Gear zapUn `asneo ajgeuoseaz sEq 3t ;j Aliadozd aq3 jo suoi3oadsut puE uodn sail= ajq uosi i a3p m RE u S11a2E sST JO zapua7 •uoiSEZO3saz JO ztndaz lions jo uoijajdutoo an zoj uo13Egijgo s,zaMOZZOH jo panaTjaz lou si zaMOZZOg 'filmdom an azolsai JO ziEdaz o3 3uaiogjns 3011 aZE spaaoozd uopnaumapuoo JO aOU1UnsUI aq3 31 •palajdmoo sT 3jzont aq3 sE s3uaUr,ied spaaozd jo sus E 11T JO Suaur,Ced a E uT uopnzo3sa1 pue siiEdai an Zo; spaaoozd aszngsip �CEar zapua-j •sasodznd lions zo3 spaaoozd pasgajaz sEq zapaaZ ji Ajuo Auadozd an BUUO3saz JO Bup! daz zo3 ajgisaodsaz aq jjuis zaMOUOg `,Cpadozd aiS `3o Bupp aq3 JO `03 affEtrEp tpm i uopoauuoo ui pied air spaaoozd uoi3Eutaapuoo JO aoueznsui 31 •a$etuep JO uopezoualap =Rug prone o3 paBearep 3T Alzadozd aq3 iEdar ,fpdtrozd jjEgs zannouog `ajgiseaj ,ijjio uiouooa Sou SZ uopEZo3saz z0 ziEdaz lEjll g uopoas o3 3uensmd pauiuua3ap sT 31 ssajun •uompuoo s3T o3 anp awn ti! 8Utsea1Oap JO BufEZOUa3ap uroz3 ,ivadozd aq3 3Uanazd oS iapzo uT ,ivad0zd aq3 u1E3u1Er11 jjEgs zaMOZZOg `,CUadOZd aq3 11T BuTpisaz sT zammuu0 3ou JO zaglagm •,ivadold an uo a3sRM STUrtuoo JO alez0ualap 03 filmdozd aq3 mom qualm,' ail irdtuT so aBeluep `,Com3map Sou putts zaM0Z10g •suo13aadsuI :,C3 rado rd aq3 3o uopaa30Jd pus a3ueualujeN 'uojlenaasaad •L •jozluoo s,zamouog puo,iaq azE goigM rpm saouElsamono BunEnua3xa ssajun JO `pjagg3TM ,ijgEaosnamn aq 3ou jpnjs 3uasaoO iOTgM `Bu2TZM uT Saa1BE as!MZaglo zap11n ssajun `,iouedn000 jo aSep alp Za33E zEa,c auo Sseaj 3E z0j aouapsaz TEdtouud s,zamouog sE R3zadozd aq3 Adn000 03 anupuoO !Imp puE 3uaUmz3saj ,ilunOas sup 3o uopnoaxa an za33E s,Cep Ams urg31M aouapTSaz jed!ourzd S,zaMOZZOg SE M.tadoi j aq3 asn pun `gsijqmsa `,Cdn000 jjEgs zaMOZZOf •,Couednaa0 •9 •anp uag3 Sou Zo zag3agM lua utulstj ,C3imoas sun JO a30N aq3 zapun pTedun sumo= Ard oS zo ,CUadozd aq3 azolsaz JO nedaz o3 =pp spaaoozd aouemsut aq3 a sn zapuai •,ipadozd aq3 3o 28EZaAOO 0113 03 ajgtoTjdde aZe S3112TZ lions SE 1E3osu! `,Cpadozd aq3 BUUanOO sopliod aoueznsUT jje zapun (ZaMOZZOg ,tq pTEd sam!w 1d pauzEaun ;o pun;az AIM 0) WTI an uEg3 =no) 531 1 MO/110110g JO ZagJo Aug (z) puE `3uaumz3suj Alpnoas sup JO alobj aq3 zapUn pTedun s3UnowE an pox o3 3011 mom uE u! spaaoozd aounznsui AuE o3 s31j 1 s,zamouog (j) ZapUa7 03 sUBrssn ,igazaq Zamouog `as1MZaglo zo Zz uo1loas zapun ,Cpadozd aq3 saZmbon zapua-j 3T JO `3uana za 11j •Uanr8 sr aop0u ail uagM uTBaq j!TM pouad 'Cep -p£ aiy •unpjo alp aj33as pun a3epoBaU )CEUZ zapua-j wain `Urtejo E ap3as o3 pazn3jo sEq zaTzzeo aOUE.msUT an 3Eg3 zapua1 Uu0Zj ao13ou E 03 Shp p£ UTg3TM puodsaz Sou stop zam0zz013 3I •sza3utat pa3Ejaz pug 11riEp aouEZnsUT ajgriTenE ,cue aims purr a3EUoBau 'au Am Japaa-j qualm,' an saopuEgE zamouog 3I •z uopOas uT z0j papTnozd zapzo ail 11T paTjddn aq jjEgs spaaoozd aoueznsur lions ...tanning 03 pTEd 'Aug 3T `ssaoxa aq3 IpIM `anp uag3 3ou zo zag3aiM `3uaumz2suj Awnoas sill iCq pampas stuns aq3 03 paTjddn aq jjegs spaaoozd aOUEZnsUT aq3 `pauassaj aq pjn0M ,i3unOas s,Zap n JO ajgTsea3 ,i1TEOTUroUoOa Sou sT 1TEdaz JO UopEZO3sa1 alp 3I •zaMouog jo uonEBTjgo ajos ail aq HET pug spaaoozd aougmsuu a p jo no pied aq 3011 jjEgs zamouog Aq pa11Tg3az 'sound prep zaglo z0 `sza3snfpE OTjgnd zoj saaa •spaaoozd lions 110 sButu1Ea JO Isaza3u! ,iuE zamouog hd o3 pazniba1 aq 3ou jjEgs zapuaJ `spaaoozd aouEZnsai lions uo ppd aq o3 3saza1ut sazmbaz MeJ ajgEo1jddy zo 2UT3UM 111 apEUI sT 3uatuoa1BE TIE Ssajan •palajdumo sT 3jzoM an SE s3uauz,iEd ssaiBozd ;o sauas E 11T JO 3ua11z,CEd ajBUTs E UT 110t3EZO3saz pun Sz1Edaz aq3 Zo3 spaaoozd aszngsTp ,tear zapua-j •,ipdtuozd ua3jeuapun aq jjegs uopoadsui lions ing3 papinozd `uoI3OE3spES S,zapuaq o3 palajdUroo uaaq SEq 3ISOM ail aznsua o3 ,cpadozd lions 3oadsui o3 A3Tanuoddo UE pug sEq zapuaj jpun spaaoozd aouemsat inns pjoq of 3iBu aq3 anti lints zapun `pouad uo13nzo3saz puE 1TEdaz lions a Buunl •pauassaj 1011 sT AMENS s,zapua-j pun ajgisEaj £jjeopuouooa ST nEdaz JO U013EZO3saz aq3 E 9 8 O 1,9980 0866740 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: 0 007688534 WYOMING- 6Ingle Famly Fannie Mae/Freddie Mao UNIFORM INSTRUMENT I.T. 3/00 nfliale Initial 864 orm 9051 9/99 (page 8 of 15 pages) MWYOOCV AOOOAMPII (se5ed g /o 6 Geed) OGE MME wad if/ (si i1 (slslu4 001E Ti .unarm LSNl MIOaMn O'MI alppemnew MuulI--4AWBA 8 1a494W6110AM PC2889L000.negwnN ueo1 utter u ap ;as of pans uL' azietu o; sza33o (001101u0s lxau am ui pup se) /curd &Todd° aql letp zamozzog 01 zapua-I ,(q aopou Jolts ;t zo `iomouog pauopume sit Alzadozd aq1 3I •anp uatp WE stuns atp loll Jo Jagl24M luaumusuj Allmon siq Aq pamoas stuns am o; pagddu aq imp spaao0 ;d snoausliaosm am `Supum ui aaJSs as!Mzm;o ;apUa pus ;aMortog swan 'own ut ssoj zo `uopotu;sap `Sur pn !surd am a;otaq ,Cjaleipauuuti pamoas sinus alp to tumour alp ustp ssal si amen ui ssoj Jo `uouont;sap 'SUppi typed atp a;otaq /ijalsipa um1 Auadozd atp jo amen 1a3{Jetz 1st atp gatgm ui i 11 dozd atp jo amen u! ssoj ;O `uoponz;sap `Sums; p pzgd g to Juana alp uj °zamozzog o1 pn d aq pulls aougjeq Auy •amen ui ssoj zo `aopotulsap `Bugs) jspzsd am azo;aq Ajaleipamm Auadozd alp jo amen atp (q) Aq papinip amen It! ssoj JO `uorlotulsap `Supjgl !sp;ud atp azotaq ,ijalsipammi pamoas sums atp jo lunouxe mot atp (g) :uoilotp Suimojjo; atp iiq paijdpjntt spaaoozd snoUUe11aosm a p jo lunome atp Aq pampa; aq jjggs ;uauttu;sui Munoas sip Aq pamoas stuns am `SuppM ui =Ss 0sim;agl° zapuoi pus JOMouog ssa!Un `amen u! ssoj ;O `uopotulsap `Saplg; Iepred am azotaq Alaleipaumq luauttutsUI Apmoas sup pamoas stuns otp jo moms agl ue p Ja;sa ;S Jo of !tuba si anjen ui ssoj ;O `Uoponzlsap `Supjel !spzgd atp azotaq Alalsipauttui A1Jado ;d aq1 jo omen 1a3jzetu net am goitjm ui AuadoJd a p jo amen Ui ssoj Jo `U0pOtu1s0p `Sums) IupJSd u JO Juana 011I1 uj •JaMoJJog o1 pied `Aug ti `ssaoxa atp mlM `anp uagl lou Jo Jaglagm luaumz;suj S;unoas site Aq pamoas stuns am o1 paijdde aq pups spaaoo ;d snoauejjaos1N atp `AuadoJd am JO anjen ui ssoj Jo `uopOntlsap 'Sum; Is1o1 a JO ;[Iona atp uj •Z uopoas ui Jot papinozd zap ;o agl si paijddg aq pegs spaaoozd snoaasllaosm lions •zaMoJJOg o1 piud `Aug ti `ssaoxa atp gltm `anp tram pa ;O zaglagm yuamn;lsuI A;unoas sup Aq pamoas stuns agl of paijddu aq putts spaaoozd snoauejjaos!jnl atp `pauassat aq mom i(lpnoas s, ;apUarl ;o ajgissa; Allgopuou000 ton si nudat JO uopezo;saz atp tI •spaaoozd snoaurpoosij^I gons uo sSuttura ;0 1sazalui Aug JO /W MJ0H 1(d 0; pannbaz aq loo pegs ;apua-j `spaaoozd Snoaasilaosi1AI gong 110 pied aq o1 lsaza1U saztnbai mgZ ajgsoijddy Jo SUpum si apem s! luatuaa1St us ssajan •palajdtaoo st 3jiom am SE sluatuAed ssazso ;d jo sauas u ui z0 luatuaszngsip ajSuis g ui uoi ;szolsaz pus sneda i am Jot Agd Amu ;apua-1 Apdmo ;d ualsuapun aq pub uoi ;Oadsa! tons Isg1 paptnozd `uopOS;spes sjapaa7 01 pataldmoo uaaq seq )TJOM aq; amsaa 01 Auado;d lions 1Oadsai of Aiianuoddo ug peg sat ;apua-j !pun spaaoozd snoourpoOSijNl lions pjoq o1 ;qsu atp ansq !legs zapua-j `pouad uopezolsaz puss ;isda; gons SuunQ •pauassaj pa si Munoas mapaa-j pus ajgiseat )CIieopttou000 si ;ludo; zo Uopezo;saz am ti `Auado1d atp ;o nuda1 Jo U0pVJ01s0; of pailddu ag !jugs spaaoozd snoaurpoostN lions `paSutuup si Auado ;d a I2 tI ;apua-j of pied aq !legs pus o1 pauSisse Agazaq azu spaaoozd snoousjjaospA; I!y •aznllat toa `.spaaao td snoaaejla3S }Sl jo auamuSjssy u •alom otp ui papinozd am am ;e ;Sa ;alu! Agd of uopestjgo s,zaMOJJOg s1oa33e 0 uopOas sup ut SuigloN •me-I ajgeoilddy (q pannbaz si uopeaimzal !pun Jo uopea!UUa1 gons Jot SUipiAO ;d Japua1 pug JO/110110g uaamlaq 1U011100JSs uallum Pius tipm aouepz000u ut spa a3Ueznsuj aSeSuojAl Jot ;uamazmbaz s,zapual alp !pun `2AJ0sa1 ssoj ajggpuntaz -uou a aptnozd o; Jo `1O0tta ut aUUeznsui oRrS21OJ ute ;utem o1 pazinbaz smnimazd am pied putts zamozzog `aOUgznsui aSsaumt Jot sumituazd atp p1smol sluam1fed pa ;siStsap Gila ;u;ndas MIgm o1 pazinba; sum zamozzog pug uso-j atp Supra' to uopipuoo a se aOUeznsuj aSuSuoJAI popnba1 Jopua-I ;j •aousmsuj aSsapoj,I Jot smnimazd atp pzem0; s;uatufed palguSisap Ajalgzgdas sazmbai zapurr pug `pauts1Qo si `ajgejigns sauuooaq ureSg Japaa-j dq pa;oajas zaznsat uu i(q paptnozd (sannbaz ;apuo-j lem pouad atp Jot pus lunouuu atp ut) aSszanoo aOUe;nsaj 3SeSUOJA t! s;UatuArd a!Jasa1 ssoj azinbaz ;oft(); ou use Japaa-J g98 011,9980 OS66740 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: 0007688534 WYOMING Single Fanny—Fannie Mae/Fr.ddla Mac UNIFORM INSTRUMENT LT. 3/00 8 66 01711 3061 a/99 (page 10 of 15 pages) MWY1OCV AOLGAMw (seed 91 /o 11 eyed) ee,e tens auo Dole Ti 1N3wntuSNl wtlOdINn D•w ItPP•ad/eew eluued k WeA eIOU S Ot1tMOAM b£s889L000 uso, •puatunzpsui ApunaS s!gp jo puu alum alp jo Ado3 auo uan!B aq jjrn s zamouog °Adop s oaaog °Li •uopou Aug 031u1 o; uopg Aug ltunniM uopazostp alas sang „Arun„ plonk aqp puu `eszan 0O1A par iuznid am apnTOU! par wain !legs zeinguts aqp ut spzoM (z) `zapua5 autatutaj am jo spzoM JO slalom zapnau Eutpuodsauoo apnjout pue ugatu hugs zapuaB autjnosgtu alp jo spzont (j) :puatunzisuj ,faunas sttp ut pasn sy •uotstnozd Bupoljluoo aqi pnogptM poa33a uant2 aq Ugo gonim spots! atp JO puatunzpsuj Apunoas St13 3o suotstnozd zagpo poa33g you Ijegs pOtjluOO lions `,An ajquotjddy gppp spOtuuoo aIoN am zo puaarnzpsuj Ajpnoas sup jo asngp JO uotstnozd Aug imp puana am uj '13E41100 Aq luatuaaar jsutuffe uoplgtgozd u su panzpsuoO aq aou iiugs aoua!ls lions inq `maps aq ngBlut 3! JO 10g4u00 ,Cq oath o; sapzgd am moue ApTOtlduq JO Aptogdxa 21121m Mu-j alggotjddy 'MU-j ajggoiddy jo suopuitmq pug sivamazmbaz Aug 0a loafgns azu mamma! Apunoas step u! pautepuoo suopuBljgo pug s31( u tuy •papuoot s! Apzadnd alp 1OtgM u! uopotpsunf alp jo Mgt am pug Mgt imam Aq paazanoB aq Hulls ivatunzpsuj Aptzn°as st'u Impanpsuop jo sap% :Allllggaenas :,►ter Bujuzano3 °9I •ivatunzisuj Apunoas step zapun puatuaztnbaz Butpuodsauoo alp Ajspgs ljlM ivatuaztnbaz Mu-j algt oijddy am `MU'j alggotlddy zapun paztnbaz osig St puaurnzpsuj Aptznoas stgi Aq pazmbaz aop0u Aug 31 °Japuarj Aq pantaoaz Smarr 1ptm zapual op uantB uaaq aneq 0p pamaap aq 1011 jiggs ivatunzisuj Apunas stgp tjI!M uotpOauaoo ut aop0u Auy •zamozzog 01 aOpou Aq ssazppu 'amour papuuBtsap suq zapua-j ssajun utazaq palms ssazppg s,zapua-j Op urn ssgp pszg Aq p! Rugtuut Aq JO 1! Buuantiap Aq uan1B aq !imp zapuarj Op aopou Auy .atop auo Aug pg puatunpsuj Apunoas slgp Japan ssazppg aopou paiguBtsap auo Aluo aq Agar anti!, 'aznpaoozd pagpads 3j3 qualm 3 ssazppu 3O aBuugo u pzodaz Am) !lugs zaMOZZOg uatp `ssazppg 3o aguego s,z0moz1011 Bupiodaz ioj aznpaoozd E satjpads Japua' ;j •ssazppg jo aBmrego s,zantozzog jo zapual Ajpou Apdmozd !tells zaMozzog °zapurj Op aopou Aq ssazppg aotiou ainppsgns g papguBtsap set zaMOUGH ssalun ssazppy Apzadozd am aq !tugs ssazppu aotiou aIrZ 'as!nuatpo saztnbaz Ajssazdxa Mg-j alggotlddy ssatun szamozzog lie op aotiou apnppsuoO Hugs zaMOZZOg auo Atm op aOpou suuatu zagpo Aq was 3t ssazppg aOpou s,zantozzog op pazantjap AHgnpog uagM JO ltuam ssgp pajtgut uagM Iam0ZZOg 0i uanTB uaaq ang1 op patuaap aq !imp puatunzpsuj Aiunoas sttp Tim uopOaauoo ut Jamozz0g Op aotiou Auy 'Bupunt ur aq psnuz ivatunzisuj Apunoas step tjpm uotpoauuoO ut zapua'i JO zaMOZZOg Aq uantB saOpou Hy 'saalloNN °SI °agzgtjozano 1jons jo pno Butsug ant( pgBlut z0M0fl0 uop3e 3O 3Ir41 Auu JO zantlM g apnp!psuoo !um Jamouog 01 puatuAud poazlp Aq apeut pznjaz lions Aug jo aou idaoor s,zam0110g •(ap0N atp zaptm zoj paptnozd s! aBzetp puamAgdazd g you JO za1jia1M) aBzugO ivauiAudazd Aug pnotptnt puauhAudazd lgpzgd E sr pavan aq ilnM uoponpaz slip `jrdtouud saonpaz punjaz g 31 •zamO.uog Op puatuAgd poazrp Brn p to Aq JO 010N slip zapun panto ledpuud alp Butonpaz Aq punjaz slip arm op asoogo Alum zapua-j '1am0zz0g op papunjaz aq IItm sitar!! paiitauad papaaoxa 1jOlgM zaMozzog tuoz; papoanoo Apgaziu stuns Aug (q) pug :mu!! papptuuad atlp op aBzutio am aonpaz 0p Azgssaoau MIME am Aq paonpaz aq nulls aBzugo ugo! lions Aug (e) main `siturtj paiittuzad alp paaoxa ugo-j am pm uolioauuoo u1 papoa1oo aq Op JO papoa1oo saBzggo uuoj zatpo JO psazaput am ye os papazdzaput Augur Si Mgj pgtp pug `saBzugo uuoj tunatptrut Sias gOtgm Mgt t op 3Oafgns st ugo-j alp 31 a Aq zo mammal Aiunoas slip Aq paitgtgozd Ajssazdxa azu pulp saa3 aBzgg3 30u Agar zapua-j °aaj Irons 3o BulBzggo alp uo uotptgigozd u su panpsuoo aq you !lulls zant0z10g 01 aaj Ojlpads E OgJElp op juaamzisuj ApunOas sup u! Apuomng ssazdxa jo aouasgg alp 'saa; Jam° Auu op p1P5az u! 'saa3 uopunjun pug uopOadsu! 198 Ot7149980 086(x40 888 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 Loan Number: 00 07688534 WYOMINO.Single Family —Fannie Maa/Freddla Mao UNIFORM INSTRUMENT IT. 3/00 Initials InMia a Ann 3051 3roo (page 12 of 15 pages) MWYI2CV nociAMPI (se5ed gl /o 6t e5ed) eeie isoe two 6 98 oae •11 mawnrusre wtloANn owl •PPsJd/••w Ud InWWd eieuis-utartoAm PES889L000 :iegwnN usol dnuyai� Iy3uan1110JTn11H Ue zoo zapuxi uo 11otleBTigo Au5 arm ins uiazaci Sulglox •mg7 iyluaaluonnug pm aou5pz0005 uT saotlo5 imam! 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'aouaunuoo A5at zapua-i zou zamozzog za PPN •zas5l0znd a1oN all Aq paPlnozd aspwatpo ssaiun zassgoznd a10N all Aq paumsse Sou az5 par (s)zaopnzas u501 zossaoons y of pazza;sU5z1 aq JO z00TAJOS 11501 all pm !gram 313M zam0zrog O3 suope5pgo Su10Tnzas 1150i a85s1OU1 alp `aloN alp Jo zasyloind all 11511 zaglo zaolnzas 11501 5 Aq paOTn1OS s1 11501 all za1jeaza113 pus Nos sT 010N 01p JI •S11T0TA10s JO IOJSUVJ3 JO 00110U 5 pm uop00UUOO 111 sazmbaz 0 Vf, 9 9 8 0 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 ekcess 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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