Loading...
HomeMy WebLinkAbout866007ULUii4i' Return To: HomeComings Financial Network, Inc. One Meridian Crossing, Ste. 100 Minneapolis, MN 55423 Loan Number: 041- 193178 -5 Prepared By: HomeComing Financ Network 14850 Quorum Drive, Suite 450 Dallas, TX 75240 te f oams&o fr rt 'iT O iF 1iaRT6gs sot RELLARR This Mort SEE OfOK-.ti .pf MORTiAti PAS( 7 w, DEFINITIONS Lender is a CORPORATION organized and existing under the laws of DELAWARE 666007 [Space Above This Line For Recording Data] RTGAGE Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated MAY 12TH, 2000 together with all Riders to this document. (B) "Borrower" is CHUCK HILLSTEAD AND WIFE, JOLYNN KAY HILLSTEAD Borrower is the mortgagor under this Security Instrument. (C) "Lender" is HOMECOMINGS FINANCIAL NETWORK INC WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT MFWY8770 (03/00) 041 193178 -5 -61WY) (9904) e i A Initials: (�H VMP MORTGAGE FORMS -1800)521-7291 Page 1 of 16 0 4 9 BOOK P PAGE RECEIVED 00 KAY 22 JEANNE ER KEMMERER. WYOMING Form 3051 3/99 11111 11 U 66/C L90£ WJod 0 �eiliuI 91. JO z 96 e4 (vow (AM)9 5 8LTE6T (00 /£0) OLL8AMdW 'ddSdfi tapun „usoi a2e2uout pomp.' 'iilgtaPa3 „use Ajliunb ton saop ueo r ant j uana „usol aguSuout patuiat AiiutaPa3„ u of p1s5aa ui pasodun aJS lent suopoutsat pue sluatuatlnbat Its of siajaz „ddsd2L, luaunutsui 'CltmoaS stir ul pasn sy 'Jamul loafgns atues otp stuano2 imp uoieinBat 10 uoilsist2ai 1ossaoons Jo iguoUlppg AIM Jo 'aunt of aunt tuo13 papuaute aq 1n$lut Amp se `(00S£ uud I7Z) X uottuinSag `uonuinaI Supuautaidtul s1i pue (•bas 1a 109Z uou)oaS 'y'S'n ZT) toy sampaootd luatnaplaS alelsg Iua21 ail stream „VdSa„ (0) •luautn.tlsui Atunoas snit jo uoiloaS lapun slunoute Auu (z) snid `aloi�i ant tapun lsatalul pus iedpuud (i) 1oj anp lunotue painpagos Altsingat ail suuatu „luatuAgd alpouad„ (M) 'tmo"i ag1 `uo linejap 10 '30 luauu/fgduou all lsulugu 1apua -i 2upoato1d aousmsui sum „aaugansui aNuatiomi„ (TO dCUado1d all 3o uotllpuoo Joipue amen aril `01 SE SuOISSIUIO 10 `JO suolleluasatdalslut (Al) 10 uoltguuiapuoo 3o naii ul 3OUBX0n1103 (tti) `4I0do1d aq1 3o Ind Atre JO itu JO aupiul Jatpo Jo uoltuuuIapuoo (ll) quadold ant `3o uopotulsap 10 `01 agetuep (I) Joj (S uotloaS ut paquosap sa2utanoo ail tapun pied spaaootd aouuJnsul uenl lanpo) iCued pull Aug iiq prod spaaootd 10 `sa2nutep jo plume `tuatuaillas `uopusuadutoo Aug suuaut „spaaaotd snoaugiiaasgti„ (�i) uopoaS ui paquosap 3111 lent steal! asotll maw „slum n1oaasa (g) slajsugll asnog2utreaio paletuolns pue 'mount a.nM `auogdapl £q patulllul s.13Jsue.f `suopousum12 aurnoeut 1aiial paluutolne `sJajsuu1t ales jo tulod 'ol palnuti 1ou sl lnq `sapnpui uual Bons •lun000e ue 141)313 10 ltgap o1 uolinlrlsul igpuguu u azuonlnu 10 lonilsui `Japto of se os adul opauBeut 10 `Jatndutoo luatutulsut oiuondaial `Igumual 3luo1loaia 1111 Onolgl pale1Uu1 st notgM luatun1lsui Jaded Jsinuls 10 `Burp `tloago �fq patuu!Wuo uoilousu11l s oath Jagto `spun] jo tajsuu11 ,iue sueauu „aaJsuga,L spung autoa;aaia„ (r) •uollezlusi10 Jsinuls 10 uotlspossu slauMOauIoq `uolluloossu tunlun.uopuoo g iivadold am Jo 13A 01108 uo pasodun ate tent sa2Iugo taglo pug sluatussasse `saaj `soup tie suuaut „stuauussassd pug sang ‘sang uopupossV Allunuuuo3„ (1) •suoluldo Igplpnf aiquieadde -uou `mug aigeolidde tie SE IIaM SE (Mgt 3O papa ant anen imp) slapto pug saint anputlstulnupu pug saoueul `suopsinSat `salnluts Ieooi pug awls Iulapaj aiquolidde &ulllottuoo IIu sugatu ll ,ugg aiggagddy„ (11) [ij1oads] (s)taglp I I Japlg tuauuifud Aplaamtg 1 JaPlg VA 13 Q Aimed b-i n Japili luau1doianaa lion pauusid I— Japlg uooiigg Japlg autog puooaS II lapig umrulutopuoD I— la mu aigglsn II [ameolidde se xoq 3103g011aAO1JOg ,iq palnoaxa aq of 315 slapp 5ulmofo3 any •Jannolrog patnoaxa ate lsgt tuatututsui A1lmoaS slut Ol slapu its sugauu „staplu„ (D) •lsatalul snid `luaultutsui JflrinoaS slut Japun anp sums Jig puu 'atoN alp Japun anp saJSno 31111 puu saSJUno tuatuAudatd /Cue `lsalatui snid `aloft ant sq paouapina Nap ail small „ugoq„ (,,1) „•1fuadold ant ul wpm jo Jajsuely„ 2ulpt:an ant Japun Moiaq paquosap sl tent A1JadoJd aq1 sue= „,ft tadoad„ 0 E 0 Z ',1ST HN112 um Jamgi 1ou iin3 ul lgap aril ifed o1 pure sluaUIIfed olpouad Jsin2az ul lgap spit /Cud 01 pasnuold sun 13MO110g •lsatalul slid 00” 0 0 S 't OT S' f1) stulloQ 0 0 T /ON aNK aa2IaN11H EAI3 aMKSllOH,L li11O3 GS2iaNf1H ENO 131)1131 saM0 JaMOJJOg 1eg1 saris 310N any 0 0 0 Z HZ Z T AKW pale!) pus 13MOJ1Og ,iq pau515 atou Aiossnuotd and stream „a1oi,I,l (a) •luautnnsui Xllmoag spit Japun aaSu5uouu all sl Japua1 EZfSS NW 'SI`IOdY NNIW 00T EIS SONISSOIIO NVIQlISW ENO st ssatppu s,Japua1 (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 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] LOT 601, OF THE BRUCE DANA SUBDIVISION, LINCOLN COUNTY, WYOMING, ACCORDING TO THAT PLAT FILED APRIL 12, 2000 AS INSTRUMENT NO. .865337. Parcel ID Number: 34182940620100 which currently has the address of 270 "A" STREET [Street] BEDFORD [City] Wyoming 83112 [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 IO Initfals. C MFWY8770 (03/00) 041 193178 -5 -6(WY) (9904) Page 3 of 15 051 Form 3051 3/99 66 /E 1.906 wioj 9 l toy aged (V066) (AM)9 S (00/£0) OLLSAM3YII sumo= am `alg11Aed alatM pus uagm `Apoa1lp (d Timis lamouog `1an!uM tans 3o Juana all ill •iullUM u! aq Aluo AEUi 1aArm tons Auy •aulli SUE 111 swan Mo1OSg !!11 10 SUE io3 spun lapuaq 01 iced 01 uoneaiigo s,lamouog am em hut 1apua-i •stuall mimosa !!e 10 SUE 103 spund a1(l i d of uogamo 5,lamouog Sanlem lapua-1 ssalun small Moiosg 1o; spund ail lapua -1 Aed !imp lamouog uopoas slgl .tapun pled aq 01 slunoute jo saonou liu lapua-1 0l gsTuinj A1ldtuold Tisgs 13MOUOg •uIall Mo.tosg 1111 aq ijegs slu3utss3sss pue saaj 'sanp ions pus 'lamouog Aq pamolosa aq `Au11 3! `sluautssassd pue saad 'sang uopeloossd A1lunututoD 111 a mbar Amu lapua-1 `ueo-j all jo uual all 2uunp aunt Aue 111 10 uolleuPuo ly ;small M01OSg„ paTTe3 3111 SUI31! assts •pT uop3as Jo suolslnold aql tltM a3uepao33e ut Ruminant sou 1nsui 02salaow jo luaus fed all 3o nag u! lapua-1 of 1amouog Aq algeAed sums Aug 10 `Aue 3! `sumluIald a3ue1nsui a2e51.toyg (p) pue :S uotlpas lapun Iapua'l Aq paiTnbat aouelnsul !Te pue Amm .toj sumltuald (o) :A11e 3! `A11ado1d ag1 uo dual puma 10 sluauIAed plotasea! (q) `Auado1d ail uo 33ue1qumOUa 10 uali E se luatunalsul A4n3as sup 13110 Aluo!1d ulell11 11113 goTgM Buhl! ioq o pue sluatussasse pus sox (11) :1oj anp sumo= 3o 1uauged ioj apinold 02 „spun3„ ail) tuns u `!!n3 u! pled s! 32oN ail !pun `O1oN all lapun anp 3111 S1UOUTAud Olpouad hp ail uo lapua'l 01 i d lists 1amo11og •stuall moaxsd aoj spun, •S1UatUA11d oIpopad 31(1 30 `211noute ail a &ueto 10 `01ep anp ail auodlsod JO pualxa 1011 !legs 320N am lapun anp ledTouud 01 spaaooId snoau1Tpos1 j .to `spaa30ad aouulnsu! 'swam/cud 3o uopeogdde Aud 'aloN ail uI paquosap se 110 pue sa8ieto luau /Maid Atte 011S1g palldde aq !legs s1U3UL edaId AaelunIOA anp saateg3 31111 Niue 01 paIldde aq Amu SS33x3 tons `muatu ed olpouad atom 10 31103o luauged !!n3 all 01 paildds s! luauthd ail .ta13e SIS!x3 ssaoxa Aue legs lualxa ail oj, •11n3 u! mud aq ueo luatuAed -011a `1111(1 lualxa ail 01 pile `3! S2UauIA11d olpouad ail 3o luatuhda1 ail 01 IOMOUOg wag pompom luatuA11d Aue Aidd11 hut lapua'l IUtpU11lslno SI =wife olpouad 3110 uegl WOW 31 •x2111113 alei ail pus imaged luanbullap 31(1 01 pat(dde aq hut luauIA11d ag1 `anp xamtp am Aue A11d 01 lunoute lual3l33ns e sapnlou! t ol1(M luautled Oipouad luanbullap 11 103 aaMOUOg UI013 1UaulAud u SaAt33a1 1apua-1 3I •aloN alp jo 03ue(mq Fdl3uud ail a3npal 01 u31(1 pue luatunllsul A1un33s sup aapun anp 5111not= 131(10 /Cue o1 p000as `s02111g3 ale! 01 mu palldde aq !legs sumo= 2ululetuat dud anp auzeoaq 1t loi1(M ut aaplo all u! 1uaulAed olpouad 1(3110 01 palldde aq Hells S111atuA11d tons uolloas aapun anp S1unOUIe `a1oN 31(1 lapun anp Tedlouud (z) :3101,! 3111 lxpun anp 1s3102u! (I) :ATuoud jo 1apio 2 U!MO!!o3 ail ut palldde aq !legs .Iapua-j Aq palldde pus palda33e sluaulAed 1111 'Z uolloas sup u! pagposap aSIMlatpo SE 1da3xg •spaaooad 10 s1UaUTAed Jo UoIleOIIddy •Z •luaum.Ilsul A1I1n3as sup Aq pamoas Sluatuaaa11 pue S1Ueuano3 3111 2Umuo31ad 10 luauntnsui All1n3as sill pus a10N ag1 13pun anp s1U31.0 ed 2unleut uto13 aamouog anallxl !legs 13puai 1SU!11211 a1n1n3 am u! so Mou a tm! 1onu 13m000g tlolgM wimp 10 1as33o oN •3lnsoloa1o3 01 loud Ala111lpautm! 310N ail aapun a3ueleq pldloulld 211Ipu111slno all 01 palldde aq (IIM spunj tons `13!11113 p3!ldd11 101131 •aam011og o1 tuat1 u1nta1 10 spun3 tans A(dde 131(1(3 !legs 1apuai `auIl1 jo pouad algeuos11at u ulil1M os op 1011 sanp Jamouog 3I •111311113 tteo'l ail &uuq o1 (s)luaulded sa3lutu aamouog lllun Spunj pallddeun tons plot Amu 1ap1131 •Spun3 patlddeun uo 153131u! Aed mu pa= 10puaq uatl 'amp anp pampatOS 6 1( 3o se palldde SI luautded O!po!1ad 113e3 3I •p31da33e 3111 SluatuA11d tons atutl all 111 sluamAed tons A(ddu o1 pale2!!go 1011 Si 1aptivi 1nq 'ailing 31(1 uI s1u3uIA11d 11111111d 10 (s)lu3t.0 11d tons asmat O1 sl 111( o1 03tpnfaad 10 1apunalat sli2!1 Atle 3o 1anleM 1not1IM `manna uuo' all 2uuq o1 lua(Ol33nsul (s)luauli11d lejl.red 10 (s)luatmAed due 1d333e hut 1apu3-1 •luauno 111101 31 11 &uuq 011uamotppnsu! 3111 S1uatuAed lepled 10 (s)luatuAed 311 3I (s)luaulded T11lued 10 (s)luauiAed due 11111101 Autu 13pua7 •S uolloas u! SuoISlnold 33!1011 ail tp(M 33Ue111033e u! lapua-I dq pa111u2!sap aq Amu! se 11011113011at10 tons 111 10 310N all uI paleu2!sap uoll11301 all le p3nla3a1 11agm 13(31131 Aq panl33aa patuaap 3111 swam/cud •1aJsUB1! Sptmd Otuol1Oalg (p) 10 A3llua 10 `Al!l11lu3mn115ul `A3Ua2e T111ap33 e Aq palnsul are sllsodap aso1M uollnlllsu! ue uodn um sI 3(331(3 tons Attu papinold `3(331(3 S,a31gse3 so 3(3a1(3 s,laInseaI `313x1(3 3lueq `31331(3 paglua3 (3) `1ap10 Aauow (q) `1(5113 (11) :lapua-T Aq pal3ala8 se `SUuo3 2 UIMO!!o3 alp 3o 310111 10 DUO u! ap11ut aq luaUmtlsul Altln3as Sigl put: aloN ail 1apun anp sluatuAed lUanbasgns He 10 Au Imp a1lnbal SEW 1apual `pledun 1apua7 01 pau1n101 s! IU3UII115ui A1(1n3as co l due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and 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 (1) sufficient to permit Lender to apply the Funds at the time specified under RESPA and (2) not to exceed the maximum amount a lender can require under RESPA. Lender shall 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 MFWY8770 (03/00) 041 193178 -5 c) -6(WY) (9904) Page 5 of 15 Initial 053 Form 3051 3/99 66/E 650£ w PSO sieniui 9L 09aBed (roo66) (AM)9 ®WV S (00/£0) OLLBAMdNI glint `anp uagl 1ou .10 1311101TM luauinrlsul Alpnoas spp tiq pampas sums agf o) pagddu aq il11ls spaaoord aouurnsu! alit `pauassai aq mom Xlunoas s,rapua-I ro aigisea3 ti1uoiuiouooa lou s! .ireda.i .zo uoue.Iolsaz ag1 'ramonog jo uopMMiigo Nos all aq Hugs pue spaaoord aouernsui alit jo lno pied aq lou !Tugs ramorrog tiq pauiular `spored prigs raglo Jo `sra)snfpu oiignd roj saad •spaaoord Lions uo s &uiurna ro lsaralut ties ramonog £ed of parinbar aq sou Hess iapua-j `spaaoord aouernsui gons uo mud aq o1 Natant! sannbar me-i algeonddd JO &uiltiM ui apuui st luauiaarge ue ssalun •palaiduzoo si vom ag) s11 sluaurtisd ssargord jo sans a ui JO 1110111 sd ui uopu.zolsai puu srredar agl Joj spaapord asrngsip Amu iapua' •tipduiord uaaiuuapun aq hugs uopoadsui lions leg) papinord `uoiloujsilus s,.iapua-I of pafaiduioo uaaq sug am ag) amsua of £uadord gals 1padsu! of tifiunuoddo uu pug suq rapua' spun spaaoprd aouernsu! lions ping of lgg!1 agl anug hugs rapuarl `pond uon ioisar puu riedar gons guunu 'pauassai sou si tilunoas s,rapuarl puu aigisea3 tiHeoiuiouooa s! risdar JO u011E101SW ag1 j `tivadord all jo ireda.i ro uoperolsar of pagddu aq hu `rapua-j tiq pa.iinbai sum aouurnsui guitivapun agl )ou ro rallagm `spaaoo.id aouuinsui tiuu &upum ui aai2u asim.iagfo ramorrog pue rapua' ssaiun •ramoziog tiq tipdmord aputu sou ;I ssoi jo 3oord wpm tium rapual •1apua'I pue Jauiuo aoUBrnsui agl 01 33110u lduio.id ani$ dugs raMOZiog `ssoi 30 Juana aq1 uI •aafud ssoi ieuo1uppu uu se Jo /pue aate$uoui se rapua-i auzeu hugs puu asnup agu2uouz piupuels 11 apnpui dugs Aoilod gons `tivadord am `3o uoponnsap ro b) a2z:tuup ro3 `rapua tig parmbar asimragp )ou `35eranoo aaueinsui ;o uuo3 Aue surelgo ramorrog 31 •saouou iemauai pue suiniuiard pied jo sldiapar itu rapua•I of amg £pdmord hugs ramo.uog `sarinbar rapuai 3I •salu3gpaa3 iumauar pue sapiiod all pioq of 11311 agl anel begs rapuai paned ssoi ieuopipps ue se .ioipue aaguguouz se rapuai aureu hugs pile `asnup age2uouz prupuels u apnpui hugs `saipiiod gons anorddestp of lggp s,rapua-I 01 loafgns aq iiegs sapiiod gons jo siemauai pus rapua-I £q parmbar sapgod aouernsui III' luaurtiud gupsanbar aaMO.uog o) rapua -I uzoau aoilou uodn `lsaralu! gons gpim `aigz /Cud aq !Tugs puu luauzasmgsip jo alup ail wog am aloN am re lsaialui maq !lugs sfunoum asagi 'puauinrpsui Apunoas sigl tiq pampas ramorrog jo !gap ieuopippu auiooaq Hugs S uopoas sigp rapun .Iapua' tiq pasingsip muumuu tiuy •pauiemgo anug moo ramorrog fell aouernsui 30 1s03 alp paaoxa tipueoUiu2is 1ggiui paurelgo os ageranoo aouunsui ag1 jo )sop alp legs sagpaimompu ramorrog •loa;pa u! Alsnoinard SEM uegp 32ur3n03 rassai r0 'alma apinord l pus Cllllqui1 r Pruzg `)ISIS tine lsuiege `IClradord all Jo slualuop all JO `tivadord alp ui ti)mba s,ramorrog `ramouog !palm! sou 1ggiul JO 1g$iui lnq `rapua-I .1a/too Hugs 32eranoo gars `arojarau j 'a$eranoo 30 mom 10 adtil relnoiued ,fue asegprnd o) uoilugiigo ou iapun s! Japua-I •asuadxa s,ramorrog puu uopdo s,rapua-I le `ageianoo aouernsui uielgo ,fuu rapuai `anoqu paquosap saguranoo all Jo Aug uie)uieui 01 sum ramorrog 3I °ramorrog tiq uoiloafgo 1111 uiorj &upinsar uopeuiuualap auoz pool Sue 3o Mainar alp g1UM uopoauuoo u! tiouagy luauzagBuew tiouagrauig iesapaj all £q pasoduzi saaj tine jo luaurtied all roj algisuodsal aq osie Bess ramorrog •uopwp1Jurao JO uopeuiuualap gars 1pa33u )gams Siquuoseai gp!gm 111030 saguugp r11Huns 10 s2uiddu1113r aunt gpea salrego luanbasgns puu sao!A.Ias uoi)11ouprao pus uopeuiuua ap auoz poo13 ro; agregp aanl -auo u (z) r0 saoinras guppurl puu uopeogruao `uoiluuiuualap auoz poou 103 a$rego auiil -auo u (I) :ramp `ueo-I sits glim uopoauuoo u! `tied of raM01r011 aimbar Amu rapua-I ',figeuosearun paspraxa aq sou hugs 11T !r goigm `aoiog0 s,ramorrog anorddesip o) 1g2u s,rapua'I 01 loafgns ramouog £q uasogo aq !legs aouernsui ag) &uipinord raureo aouernsui aq,I, •ueo'l ago ;o uual alp 2uunp alum p use Sapualuas &uipaoard all 01 )uensrnd sarinbar rapua7 lug& 'samba' rapua-I Imp spouad all ro; puu (slangi aigponpap guipnpui) muumuu alp u! pauielu1Bui aq Hugs aousrnsui spa 'aouemsui saimbai rapua' goim roj `spoojj pus sa3iunbluea `01 palm!' sou lnq luipnpui sprezeg ra1po tiue pus „`agsranoo papualxa„ uual al) u!1l!M papnpu! sprung `am sq ssoi )suisge parnsui Auadord all uo pap= ra1Jsaral r0 5`uusixa Mou sluauianordun ago daal hugs J3M01.10g •aouzi insui 4Iado.id 'S •uutri sill glim uopoauuoo ui rapuai £q pasn pop ups &uilrodar roipue uopeoguan xel alufsa sears ro; °grasp pun) -auo u tiud Ol ramorrog arinbaa ,Tsui rapua- uopoas silo ui anoge guoJ 13S SUOppu 3g1 jo aim 10 auo a)ie1 10 uan all'jsues Hugs ramorrog `uan42 s! aopou lugs gp!gm uo a111p ag13o stiep pl uigllM •uai! the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (2) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security 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 (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 MFWY8770 (03/00) 041 193178 -5 ofp -61WY) (9904) Page 7 of 15 Initials4 Form 3051 3/99 66 /E Ls0£ WJad 9S0 91, JO 8 ebed (4066) (AA/09- CD S 8L I£6i Ib0 (00/£0) OLL8AM3NI luaumnsul AUznaas stgl Aq paznoas sums alp 01 palldd0 aq Ilets spaaaold snoauellaosiJH all `pauassal aq ppmOM £ipnoas s,lapua-i .zo atgisea3 Afeatuzouoaa 1ou st 1!da1 zo uopelolsaz all ii •spaaoold snoau0ttaas!Ni fans uo s &uzulua so Isamu! Au0 10mo11og ,fed o1 paztnbai aq iou Ilegs lapuaJ 'spaaaold snoauellaasIW fans uo pled aq o1 lsazalut saztnbaz me-1 algeotlddy 10 gut1uM u! apeuz s! lualuam a ue ssa(un •papalduzoo st )I10M at1 se sluauded ssal$oid jo saps a ut 10 luauzasingstp al$uts a ut uopelolsal pue s.nedaz am zo3 fed Sum lapuai •Spduzoid ua3leuapun aq Help uopaadsu! tans 10g1 pap!nold `uopaejspes s,zapual 01 papalduroo wag set 3IiOM alp amsua o1 Ifuadold tans paadsui o1 iltunuoddo ue peg set Japuai Ipun spaaaold snoauellaostJAJ tans plot 011q$tu am anet Help iapua-I 'popad uopelolsai pue 1luda1 tans guunu •pauassal 1ou s! Altlnoas s,lapua7 pue algtsea3 Alleanuou033 s! Jwdai 10 uot1e1oisaz all 3I `(uado1d at1 jo 1!edal 10 uo1101o1saz of patldde aq limp spaaao1d snoauelpasi tans 'pag0urep s! Amdahl alp 3I •zapua-I 01 pled aq pip pue of paugtsse dgazaq ale spaaaozd snoauuTlaasq s IIv •a.mlla31og :spaa30.1d snoausllaasiw 3o lualuu2lssy •ti •a1oNI all ut pappnoid 31ei all 10 Isamu! fed op nopegtlgo s,lamo110g wage OI u stzp ut guttloN Merl atgeatlddd iCq pazmbaz sir uopeumual jtlun z0 uopeutuual tans 103 gutpznoid lapuaq pue 1amouog uaaMlaq manmade ualt1m Sue um aDUBp1033B ut spua aouelnsul ageguomi 10j luaulalmbal s,lapuarl all (pun `an13sa1 ssOJ aigepunjai -uou a aprnold 01 10 `111331 u! aouelnsul ageguoj mum= 01 paztnbaz sumturald alp iced imp 1amonog `azuelnsul a2e2uow 1o3 sumpuaid aq1 pieMol smaur&ed paleuglsap 'ilalezedas alum 01 pazmbal sum 1amo11og pue ueo-I all $uplezu 3o uoptpuo3 a se aouelnsul ageguow paltnbal lapual 3I •a3uelnsul ag021.10ySl 103 szuntzuazd all pzemol sluauzAsd paleu;Itsap £laleledas sannbaz lapua-I puu 'pauteigo s! algeltene sazuoaaq ute& zapua-I £q paloaps lamsu! ue ,Cq paptno1d (sazmbaz lapua-I tell pouad alp zo3 pue lunouze at1 u!) a2O13AO3 aouelnsul ageguow 3t sluauuked anlasal ssol annbaz za8uol ou 11E0 zapuai •a/1.13S31 sso( tons uo sgutuuea so Ismaili! ,cue lamOUog iced of paztnbaz aq (lugs lapuag pug `iind ut pled ,flaleunlln st ueo-I alp imp tae; at1 &utpuelslptmlou 'algepunJal -uou aq Bets anlasaz ssol tans •a3ue1nsul ageguow 3o nail ut anlasal ssol alqupunJaz -uou a se sluauz,Cud asatl ulo1a1 pue asn `pdaaoe I!!M lapua7 •13ajja ut aq of pasea3 3 E1 Ao3 a3ue1nsut all uagM anp alam 1eg1 sluauriCed paleuglsap ,Claleledas at1jo lunoure alp lapuai of iied o1 anupuoa Help 1aMO11OH alggltene 1ou st agelanoo aauelnsul a2e$uoj lualgntnba dlletluelsgns 3I •zapuaj £q paioalas zainsm ageguour alutuallu Ire wag '111331 u! Alsn0lnald aauelnsul a2e2uow at1 jo 1am011og op psoo at1 oi lualenmba SIiepuulsgns lso3 0 10 '101331 u! Alsnotnald aaue1nsul ageguOIH all oi lualunmba Allepuelsgns agulan03 utulgo 01 pazmbaz sumturazd alp Aed lieu 1amouog '3ouelnsul a2e2uoN 1o3 =Tumid all pzemol spuaugRd papuuglsap Slale1edas a3(euz 01 pannbaz sem 1amo11og pug aoueinsut tons pappnold £(snotnaid legs 1alnsut a202uouz all u1o13 alggltene aq of sasea3 lapuaJ ,Cq p31mba1 aSezanoo aoueinsul ageguolsl atl 'uos031 Niue 103 `3I •111331 u! a3URznsu( ag0guomi alp u1eluz0111 of palmbaz sumturazd at1 Sed Timis IaMO.uog `uoo all guplezu 3o uotltpuo3 0 se aaueznsul ageguol t paubaz lapua' 3I •aaueansui a2sglloisl •Iut2UM 1n 1321a111 ag10l saal$0 lapuai ssapm al= lots Ilels app 333 am pug plotaseal all `Jivado1d all o1 3 tu1 aaj sazmboe 13M011og 3I .areal 31(1 3o suolslnold all He 1p(M Slduma Ilogs 1amo11og `plolaseal a uo s! luaumzpsul Alunaas sill 3I •luamiced Sutlsanbal 1aMOZZOg o1 lapua'I urog3 aatlou uodn `psalalum tans 1p!M 'algo,Ced aq negs pug 1ualuasingslp ;o a10p alp 111013 3101 a10N all 10 Isamu! 103q (lets sumo= asat.I, 'luaumlpsul Slunaas sill £q palnoas 1aM011Og 3o igap Ieuoplppe aum0oaq (lets 6 uozlaas sill lapun iapua-I iCq pasingslp slunouze Aud •6 uoilaas S!1(11apun pazuollne suopae Hu 10 Cue gU13(02 1ou 103 Snitg0ll ou s1113ut 1apua-1 10141 paal& s! 1I •os op 01 uotlegtlgo 10 Limp Sue lapun 1ou st pug os op 01 ant( 1ou saop lapua-I '6 uotpoas sttl Japun u01lae 33(01 Sulu lapua'I q$ri0t3JV 110 pau1nl satltltln an pue `suoptpuoo snoza2uep zo SUOIMOIA ap03 1a1po 10 gulpjznq 320u(1u(3 `sad(d urou3 mum urezp `smopu1M pue sloop do piooq 10 330(d31 `s)p0( a2uuta `sltedaz axuul 02 /uad01d alp gupalua `01 pallor!( lou s! lnq `sapnlou! Jfuadold alp &utmaas •2utpaaaold ,Ca2dn13Iu0q 0 u! uopisod pa1n3as sIt gutpnlau! 'luaunulsul'lun3as slip lapun s211211 1o/pue ,Cu3dozd alp u! 1S3131u! 51! 233101d 01 saa3 ,sAaulolp0 e,OW 9 0 0 S kit) 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 MFWY8770 (03/00) 041- 193178 -5 -6(WY) (9904) Page 9 of 15 05 Form 3051 3/99 66/C LBO£ wJoj s�ei ;ius 91, l 01. esed algeOHddy mim sloij;uoD aloN am ro luauuulsui Awnoas sup jo asnup JO uotsptoid Aue 1eg1 loam agl uI •loealuoo ,iq luatuaargu lsurege uoi oid a se panilsuoo aq lou hugs aouaps gnus lnq 'maps aq lggiui 3! 10 iOexluoO Aq aarge of sailaed 0 111 Moue Apptjdtul JO Ajlpijdxa lq nu Me-i ajquollddy •Me'i algBOijddy jo suope3uuij pue sivatuarmbar. Aue 01 33afgns aie luatunjlsui Alunoos sigl ui pauiemuoo suollegi pue sii a Ily •paluooj si Auadord am gatTM ui uopOipsunf agi jo Mu' am pue Mel jerapa; Aq pauranog aq Hugs 3uatunr1sul AlunOas sitly •uojlanalsuop ;o wing :Al llgeaanas :ME'I guu i to9 •91 •1uaumusuj Ali rnoas sup spun luatuarmbar guipuodsauoo 0111 A;spes Him luatuarmbar Me'i aigeoilddy 0111 algBOijddy iapun paimbai osle si luatuuisui Alunoas sup Aq paambar a3 3ou Aue 31 •rapua-1 Aq paniaoai AHenloe mun lapua•i o1 uanig uaaq aneq of pauiaap aq lou jjegs luautnrlsul Alunoas sup glint uopOauuoo uI a3pou Auy •ramouog of aOpou Aq ssarppu ragloue paleugisap seq iapua ssalun uiaiaq palels ssarppe s,iapua'I 01 petu ssep log Aq iI gutjreut Aq JO iI guuanilap Aq uanig aq Hugs iapua -i o1 aopou Auy atop auo Aue le luaunulsui Alunoas sigl spun ssarppe aotlou paleu$isap auo Ajuo aq Aecu ara ampaooid pagpads lugl ggnorgl ssaappe jo aguetp a uodar Ajuo Hugs raMorrog ua p `ssarppu jo aguegp s,rantonog guiuodar ioj ampaaoid a sagioads rapua' ;I •ssarppe ;o aguego s,raMorrog ;o rapua -i A ;pou Ajlduzord netts iaMonog •1apua'I o1 aotiou Aq ssa ppe aapou alnlpsgns a paieugisap suq iaMOJJOH ssalun ssarppy ,Cuadoid agl aq Hugs ssarppe aOpou ags •aslMragio sarmbar Ajssardxa Me-i algE311ddy ssalun siaMOZtog He 03 a3ilou ainlpsuo3 Hugs raMo.uog auo Aue 03 a3l3oN •stmatu raglo Aq was j! ssarppe a3i3ou s,rantorrog of paranilap AHun1Oe uagM JO ln;tu Ssep lsrg Aq pall= uagM JOm0110g 01 uanig uaaq aneq of patuaap aq Hugs luautnrlsul Aitm3as sup g1tm uop3auuo3 ui rantortog 01 a3i3ou Auy •gupuM uI aq lsntu luauiruisul Al sup glint uopOauuo3 ui iapuaj JO raMOrrog Aq uanig saopou Ily •saajloN •si •agregprano gons ;o 1no guisue aneg lggnu Jamouog uopOE ;o lggjt 1fue ;o raniuM u alnlpsuoO HiM raMOrr0 of luatuXed 1Oarip Aq awn puma' gons Attu ;o 03Ue3da3Oe s,raMonog (aioN 0l1 spun ro; pappnord sI agregD luatuAedard u 3011 10 iatllaIM) 32re13 3uatuAedard Aue 1nog3iM luatuAedard jeilred a su palearl aq 'pm uotl3npaa agi `jedpuud saonpar puma' a 31 •1 MOrrog of luatuAed 1Oarip a gupjuut Aq 10 330N 0111 spun panto ludpuud 0j1 gupnpai Aq puma' sup ahem of asoogo Aeut Japua -j •iaMO.uog 01 papun;al aq 11! M Shull paluuuad papaaoxa gOigM raMOrrog tuouu pa3aaijoo Apearju sums Aue (q) pue :3lurtl paliiuuad ag1 o1 agreg3 0111 a3npai o1 Amussaoau 3unoute am Aq pampa' aq Hugs agregO ueol gons Aue (u) :uam `slitutj pauluuad ag1 paaoxa uu0ri 0111 g11M uopoauuo3 uI paioaLoo aq O3 JO paloallo3 sagauga ueol 13g30 10 isamiui am letp os palaIdaalul Alleug si MEI 1u111 puu `sagrego MOT tunuiixetu slas gotgM Mel u o1 loafgns sI ueori 0 113 ji •ME'I alquoijddy Aq r0 luatun.tlsul Alunoas si i1 Aq pallgigoid Alssardxa are lugs saa; agrug31ou Arm rapua' •aaj gons ;o 2'0.1E113 3113 uo uoplgigord use panrlsuoO aq iou hugs ramouog Ol al; ogpads a agiuga of luatutttlsui Alunoas sup uI Aluog3ne ssardxa ;o aOuasqu 0111 `saa; ramo Aue O3 pregar uI •saa; uopenjen pue uopoadsui Auadord `saa; ,sAatuo3le `O3 palituH 1ou inq `guipnpui luatunrisui Ali rnoas sigl spun s1ggii puu Auadord ag1 ui isara3ul s,rapua-i gut3Oalord ;o asodrnd aqi ro; `llnupap s,raMOrrog gum uopoauuo3 ui pauuo;rad saMinras 10; saa; 13M0110g a21e113 Aetu rapua-I •sagaega ueo'l •t,I •rapuai ;o sugissu pue srossaoons agi lgauaq pue (0Z uopOas uI papinold su ldaoxa) puiq Hugs luatunr1sui A1i moas sup Jo s1uatuaade pue slusuano3 agy lupuM uI asualar gons o3 saarge rapuai ssalun 3uatunrlsui Alunoas sup spun AumeH puu suopugfgo s,ramouog um"; paseajar aq 3ou jjugs raMo.uog •luatunrisul Alunoas sup spun s3gauaq pue slggu s,raMonog ;o Hu ujelgo Hugs `rapua-j Aq panorddu st puu `gujluM ui ivattmrisui Alun°as sigl spun suopugijgo s,raMo.uog saumssu OqM JaAtouoa ;o 3saralul ui rossa33n8 Aue `gj uopoas ;o suoisinord am 03 loafgns •3uasuo3 s,rauW!S -03 0q3 1noquAt a10N am 10 3uatunrlsul Alunoas sup ;o stumai am 03 prugar gum suopepotutuo3O1 Atm alum 10 reagro; `A;tpout 'puma o3 aarge ueo raMOrrog 10410 Aue pue rapua-i legs saarge (3) pue :3uautnr1sul Allmoas sup sq parnoas sums am Aud 03 palugijgo Alleuosrad lou si (q) :3uattmrlsui AiunOas situ ;o suua3 0111 spun Auadord alp ui 3saraiul s,raugls -03 0113 A0AUO3 puu itterg `021! 3rotu O3 Aluo luautnrisui A1un3a8 S 0 QO9 n (vo66) (AM19 clary S (00/£0) OLL8A/MIN 0 660 Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (1) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (2) words in the singular shall mean and include the plural and vice versa, and (3) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests 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 MFWY8770 (03/00) 041 193178 -5 -6(WY) (9904) Page 11 of 15 059 Form 3051 3/99 66/E 150E WJoj 0 00 9 t io Z l seed woes! (AM)9 5 (00/£0) OLL8AAUY •dnueap ieluauiuoi!Aug ue 103 1apuag uo uope2ggo Aue 0111013 Hells ulalaq 2uupoN •mui 1111uauzuoltnug LA!M a3uepl000e u! suop3e imam' £i ssaoau lie 031111 AIlduzoid pugs 1amolog `Alessaoau s1 iCUadozd 0141 gutlaa33e 3ouelsgns snopl11zeg Aug jo uop11iPauzal iaglo .io 111nouz01 Aug 111111 'And alenpd Aug .to `eill1o A1oleingaz 10 1111u0uzu10no2 £uE paupou st 10 `suleal 13MO11og 31 •A11 dold 0141 30 31111111 3141 s1 iSlaslanp11 go1gM aouRlsgns snoplezeg e jo asealal 10 asn `aouasaid am Aq pasneo uompuoo Aug pus `aou11lsgns snop1ezef diue 3o asealpl jo leant) 10 asg0131 '32111143stp lupffa1 `guilds Aug `o1 pauuzll 1ou tug Wulpnloul `uoptpuoJ leluauzuo1nnug £u11 (z) :agpalnnoual [emu set 1amo11og qz tp jo Mei 1e1uauzuo1iAug so a3uu1sgns snopzezgH £u11 pus £uadold 0141 2utn10AU1 Cued 01enud 10 ifouage Alol1ln2a1 so Ielu3u1u13A02 iCug Sq uoz1OE 131110 10 llnsMel `puguzap `uzrel3 'uoilegllsanu! Aug (1) 3o 0011011 uafuM zapuaJ anti Apduzold 11egs 13M011og •(sl3npold 13UMSUO3 u! s33ugisgns snopzgzgq `ol pawn!! 1ou lnq 'Bulpnlouz) ICu0dold a141jo aoueualuleuz 01 pug sasn lgiluaplsaz Ieuuou o1 0leudoldd11 aq o1 pazIu&oaz £llgzauag OM legs s03uelsgns snopl11zeH jo sappuenb 1111uzs jo Auadold 0111 uo age101s so `asn `33uasald 0141 o1 AC1dde lour Hugs saoualuas oMl 2ulpaoazd auy •Atiadold a14i jo amen agl s1oa33g ,ftaszanpe le uolllpuoo a sax= 'aouelsgns snopmzef 11 asea1a110 `asn `a3uasald 0141 01 anp uompuo3 1111uauzuoi!Aug 1111 sa111010 g3i1M (z) `M11•I Ielu0UZ11011Au3 Aug jo uopuloln ut si imp (I) Auodold 0111 gul1oa33e 2uzg2I ue `op at asp auoiiue Mo11e sou `op lou Hugs 1amouog •Xuadold 0111 ut 10 uo `saouelsgns snopl11zeH Aug asealal 01 ualeazgl 10 `saouElsgns snopzezeg £11113o asealaz 10 `0gEIO)s `lesodstp `asn `aouasazd ag1 lluuad 10 0sn110 2011 pugs 10M011og •dnugaiD 1E1u0uzuoltnug ue 1022111 as1Mla so '01 alnquluo3 'asneo 11113 legs uoptpuo3 11 swam „uoulpuop 1111u0umo11nug„ ug (j7) pus m '1 Ieluauzuoilnug 111 paui3ap se `uop3e 1111101101 so `11090e !etpauza.' `uolloe asuodsai Aug sapm3ut „dnueaLD 1111uauzu0nnug„ :uopoalozd Ieluaumozlnua 10 /claps '14lieag 01 mat 111111 pa1113o1 st Atiadold 0141 azagM uop3lpslznf 314130 SMe! pure sMei 1eJapa3 sugauz „MWZ I111u3uzuo1lnug„ (z) `slgtlalem anp311o!p111 pure `3pAgapluuuo3 solsagse $u!uteluoO sleualeul `sluanlos alllglon 'saplocgzaq pure s3p!3psad 3!x01 `slOnpozd umalo.zlad 3!x01 10 algeuluie13 zaglo `auaso1a31 `aullosa :sa3uelsgns 211lmo1I03 a141 pug Me-I I111u3uzu011nug Aq SO1SEM to `sluelmlod `saouelsgns snoplezE1 10 3LXO1 se paugap sa3uelsgns aso141 0111 „saou11lsgns snopl11zeH,. (I) :jZ uomas sz111 U pasn sy •sa3uvrgns snOpiezeg •Tz •0Z u093as stgl 3o SUOlSIAOld u0123e 3np331103 031111 0l 1C1lunuoddo pug 0311ou 3111 AJspgs 01 pump aq !legs gI uo113as o1 luenslnd 1amo11og of u3n1g u0pe1a103311 JO 0311011 0141 pure ZZ uo1130s 01 luenslnd 1aA0110g o1 1101112 31113 0l ,iltunuoddo pug uop111ala3og jo a0110u ouj •gduJge1ed slgl jo sasodlnd 1o3 alg11uoseal aq 01 pauzaap aq !pm pouad amp legs 'ua31111 aq 11113 11011311 111111133 alojaq asdel3 lsnuz golgM pouad amp 11 s3ptnold Me-I alquo11ddy 3I •11011311 a/41331.103 031111 01 aopou lions 30 gumnt4 am 101311 pouad algeuoseal a 0101014 hued 101110 am papio33g pug goealq pa2a11z Bons jo (S1 uopoas jo sluauzallnbal 3141 m!M a3uetlduzoo u! ua/42 0311011 gins Tim%) A11ed 1ag10 3141 pagpou set lapuag 10 1amolog gins 1111111 `luaum11su1.Clunoas s1141 '3o uoseol Aq panto Slnp /fug 10 '3o uo!s!nold Cue pag3eazq suq Au11d lam° am legs sa2a11e leg) 10 luaum11su1 1f1!1n3as s1 p 01 lu11nslnd suop3e s,,iued 101110 am 111013 saslre 111141 (ss1110 11 jo laquzauz 3141 10 luegp!! Ienptn!pu! 1111 1011113 se) uo11311 1E!0zpnf Aug of paulof aq 10 'MO!' `a3uauzuzo3 Amu 1apu0-1 1ou 1amo11og 1agljaN •lasegolnd aloN oq £q paptnold as!Aua1410 ssalun 1as11 atom am iq p3umss11 lour 0111 pure (s)1a31nu3s ue0-I lossa33ns a Ol pa11ajsue11 aq 10 1a31nuas 11110.1 agl 142M mutual !pm 1aMo.uog 0 1 suop11211Qo &u1O1AIas izeo! a3>:211ouz 0141 'aloN a1413o 1as111431nd 3111 u1111a1410 1aopuas pa3tnlas s! ueo-I 0141 1a1311a1ag1 pug F1os' s! 0101,1 a 1131 gutminlas 3 1aJsu11113o 03pou 11 141!M 110933111103 u! salmbal t°, 0049S40 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: MFWY8770 (03/00) 041 193178 -5 -6(WY) (9904) Page 14 of 15 CHUCK HILLSTEAD (0 61_ (Seal) Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower Form 3051 3/99 66 /E LSOE wind X lemul 5 L 40 L °fled 140661 (AM)9-® 5 8LI£6I (00 /£0) OLL8AMMAI •2unuoiCM jo smgl uotlduiaxa pualsauzoq aql jo anu ?n ifq pue aapun slgBu Iig san?gm pug saseapi iamouog •saanreM •bZ i t alggo?Iddy .zapun pau?uuad s? aaj aql jo 2u?ligg3 aq1 pue paiapuai saoinias Jo; Sued pi ql u o; pied st aaj aql 3? A;uo lug 'luaum.fsul'l ?.moss sup 2u ?sgapi so; aaj u iamortog a2iego Auto Papua -I slsoo uopup .1o3a.I Cue Aud imp .zamolog •luaunulsul Al[znoaS sup aseapi hugs iapual 'luaumilsul Animas sup iCq parnoas sums Hu jo luauiiCud uodn •asealall •£Z o; pap; ;ua ,Cllaal suos.iad ao uosiad aq; o; ssaaxa ,(1113 (3) pus ;uauma ;sul .0 ;[anaas spy Sq pa.maas sums us o; (q) :saaj ,s,Cauao ;e a;geuossaa 'o; Rum!! ;ou ;nq '2ulpnpu? 'ales aq; jo sasuadxa us of (8) :aapao SulttolloJ aq; u; palldds aq Hugs alas ag; jo spaaaoad aqy *ales X1113 ;s £padoad aq; assgaand Sulu aaug ?sap s;; ao aapua7 •nterl algea ;Iddy paq;aasaad aauusui aq; u? p ;os aq ;legs Siaadoad aq; pus 'ales jo aal ;ou aq; gsilgnd Bugs aapuai •SI uo? ;aas u? pap ?road aauueuI aq; u? aantoaaog o; ales aq; jo as ;ou aA?2 Hugs aapuarl •nterl alquagddy gust aauspaoaas u? ;uaaal3 ?p 3t ',fpadoad aq; jo uolssassod u? uosiad aq; o; pus aantonog o; asopaaoj o; ;ua ;u; jo aa; ;ou an?a Bugs aapuarl 'am jo as i od aq; saxonu? aapuall ;I •aauap ;na am; jo s;soa pus saaj 6 s1Cauao ;e a;gsuossaa pa ;itu ?I ;ou ;nq uo? ;aas slq; u? pap;noad sa?pauzaa aq; Sumsand u? paaanau? sasuadxa ii pal;oa o; pal ;ua aq Bugs aapua' •MS'I a ;geal;ddd Sq pa ;auaad sa;pauiaa aaq ;o Sus pus ales jo aantod aq; axonu; ism pus puuuzap aagpnj ;nog ;Int ;uaumsuI ,fIanaas s?q; £q paanaas sums Its jo Il'►d u? ;uatu,fed a a ;Blpaunu? aambaa Sum uo? ;do s;? ;e aapua•I 'aapou aq; u? pagpads a;sp aq; aaopaq ao uo paama ;ou s? ;InsJap aq; 3l •alas pus uol ;saapooe o; aamoaaog jo asuajap aag ;o £uu ao ;Insjap s Io aoua ;spo -uou atp passe o; uo ;as pnoa s Su?.zq o; ;g; ?a aq; pus uo? ;13°°;°°°13 Jaljs a ;e ;su?aa aq; ;o aantoaaog lumpu; aagpnl hags as ;ou agL •Spadoad aq; jo ales pus ;uamna ;suI ,Cm'Maas s?q; £q paanoas sums aq; jo uo ;gaataoas u! ;Insaa Sum aa; ;ou aq; u? pagpads a ;13p aq; aaopaq .10 uo ;Inelap aq; in o; aanpsj ;eq; (p) pus :paana aq ;sum ;Insjap aq; qa ;qnt £q 'aaMoaaog o; uan ;il s; as ?;ou aq; amp aq; tuoaj step p£ usg; ssa; ;ou 'amp a (a) .31nujap aq; aim o; paalnbaa uo ;as aq; (q) ;Inejap aq; (u) :,Clpads hags aal;ou aqZ •(as;ntaaq ;o sapinoad ntBl a ;qga ;Iddy ssa;un gi uo? ;aas aapun uo ?;eaalaaas o; amid ;ou ;nq) ;uauma ;suI Sllanoas s?q; u? ;uau><aaage ao ;usuanoa Sus jo gasaaq s,aantoaaog au?ntollol uo?;saapaas 01 amid aantoaaog o; ao;;ou an ?B Hugs aapuarl •sa;pamag :uo ;;saa;aaaV •zz :smollOJ se 3312E pue lueu3AO3 zaqun3 iapuai pug samouog S.LNVAIgAOO 1/'I1IOdIAIf1 "44 )099q0 STATE OF WYOMING, The foregoing instrument was acknowledged before me this May 18, by CHUCK HILLSTEAD AND WIFE, JOLYNN KAY HILLSTEAD My Commission Expires: 2/26/02 MFWY8770 (03/00) 041- 193178 -5 -6(WY) (9904) Page 15 of 15 Initials: 063 Tet on County ss: 2000 Form 3051 3/99