HomeMy WebLinkAbout885569NOU
00 ~002
1G:50 fR WELLS FARGO HM MTGG303 758 104S
TO IJ078778GO~
P.OG/E4
LINGOLH COUNTY CLERK
Prepared By:
CO~]NiT~ FXKH~ MOK~GB, LLC
c
'~oo~ 51'14 ER~,^C~ § 5'4
3900 BASIT liIX~CO"AV],, 9~J:TH
800, DBIFVZR; CO 802100000
This Line For Recordtu~ Data]
MORTGAGE
DEFINITIONS
Wools used in nmltiple s~.ttons of this document am defined below az~t other words arc defined tn
Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this dooument are
also provided in Section 16.
(A) "~.:urit7 Instrmnmt" xncins ~ do~tment, which is datedsOvmozx 08, 200:3
tose~e~ with ail Riders to tht. docum~t.
(B) "Borrower" 18BII~I~A L. PAGH, A SZ;Iq~LH PBRBON
Borrowe~ it the mo~,~asor under Us Security tum'ument.
(C) "X,euder" is COMMUMXTY FZItS~ IfOltTGl&O",
Lender is a L~TE~ LL%BZLZTY COH~Jd~
orgmt~l md ~ uadm' d~g laws of 'x~ STATE OF
001L$~S0~2
WYOMING-SIngle Femil¥-F&nnle Mse/Freddi. M,,o UNIFORM INSTRUMENT
1101
'~' NOV 88 2002 1G:50 FR'WELLS FARGO HM MTGG308 758 104G TO 13078770602
P.07/~4
Lender's addresil is P,o, usx 10304, DE8 MOZNRIi, Il 50306050,t
555
Lender is the mortgagee under this Security l~,mment.
(D) "Not~" n~eans ~e p~misso~y note si~ned by Borrower and datedNOV~m~,.~ 08, 2 o 02
The Note states that Borrower owes Lender 'I'wO ~OVf~blD rO~ ~,~D ~ ~ ~
00/100 Dollars
(U.S, $',-".-2,423.00 ) plus interest. Borrower hts promised to pay this debt In regular Periodlc
Peymen~ trod to pay the debt in full not later thee uzC~ma 03, 3033
(E) "Property" means the property that is described below under the heedin~ "Trmu~fe~ of l~hts in the
Property.~
(F) "Loan" means the deb~ evidenced by the Noic, plum Interest, any prepayment char{es end l~e charSes
due under the Note, and all sume due uude~ this Security Imuument. plus interest.
(G) "Riders" means all Riders ~o this Security Instrument that are executed by Borrower. The following
l~lders are to be executed by Borrower [check box as applicable]:
-- Adjustable l~e Pdder
__ Balloon Rider
-- VA Rider
Condominium Rider ~ Second Home Rider
__ Plnn,~d Unit Development Rider ~.~ 1-4 Fanttly Rider
Biweekly Payment Rider ~ Other(s) [specify]
(H) "ApplicaMe Law" means all controlling nppllcable federal, state eed local statutet, rejulations,
ordinance~ and administrative rules and orders (that have the effec~ of law) as web as all appUcable flflnl,
non-appealable Judicial opinions.
(I) "Community Ammeiatiou Dues, Fees, and Assessments" means all dues, fees, assessments and other
charScs that are imposed on Borrower or the Property by a condominimn association, homeowners
association or similar or~eelzation.
(J) "~lectronlc Funds Transfer" means any transfer of funds, .other than a transaction originated by
check, draft, or similar paper mstrument, which is initiated tltrouf, h an electronic termS,i, telephonic
inst--, computer, or magnetic tape so ts to order, instruct, or authorize a fi~n~iat institution to debit
or credit aa eec_Suet. Such term includes, but ts not limited to, point-of-sale transfers, automated teller
machln,, transactions, transfers initiated by tclephune, wire transfers, and autornsted clearinghouse
transfers.
(I0 "F. acrow ltmns" means those items that ate described in Section 3,
(L) "Miscellaneous Pro,~gs" means any compensation, settlement, award of dnmn.ocs, or proceeds paid
by any third party (other than insurance proceeds paid under the covera8es de~ibed in Section 53 for: (t)
dam~e to, or destruction of, the P~operty; (ii) condemnation or other taktn~ of all or any part of the
Property; (ill) conveyauce in lieu of condemnntton; or (iv) misrepresentations of, or omissions as to, the
value eed/or condition of the Property.
(M) "Mortgage lnmwsuce" means insurance protectln8 Lender a]alnst the nonpayment of, or default on,
the Loan.
(lq) "Periodic Fayment" means the re~,utarly scheduled amount due for (i) principal and interest ~ter the
Note, plus (ii) any amounts under Section 3 of this Security Instrument.
(O) "RZSPA" means the Real F.4tate Settlement Procedures Act (12 U.$.C. Section 2601 et seq.) and its
implementin~ regulation, Regulation X (114 C.P.It, Part 3500), as they might be amended from time to
time, or any additional or successor lc~lation or regulation that governs the same subject metier. As used
in this Security Insu'ument, *RESPA' refers to all requirements and restrictions that are imposed in re8ard
to a "federally related mortgage loan" even if the Lean does not qualify as a 'federally related morts~e
loan" under RF~PA.
. (~t;'~ONY) lOOO"~) puge2,d~s ' Poan3051 1/01
NOV 88 2882 18:51 fr WELLS FARGO HM MTGG803 758 1848 TO 18078778502
P.88/~4
(tm) "Successor tn Interest of Borrower'* means any pa~y tl~ has taken tide to thc Propemxy, whether or
not that party has asmzmed Borrower's obtisations under tho Not~ and/or this Socurlty Instrument.
TRANSFER OF RIOHTS IN THE PROPERTY
This Security lnstoxmeut mecut~ to Lender; (~) die repayment of the loan, and all rmzewals, extensions and
modifications of the Note; and 61) the performanco of Borrower's covenants and agreements trader
Socurity Instrum~tt and the Note. For this purpose, Borrower does hex~y moflgs~e, 8rant and convey to
Lender and L~'s successors and assigns, with power of sale, ~e followixt8 described p~
in the 00~ of v.Y. tK:OX,t? :
[Typs of p.~ordin_o ;urlsdk:tion] [Name of ~co,dtnG
Z,O'~ 3 OZ' BLOC~ :t 0~' '~ BZtO~'~ F3:Z~IT AI~'~TON '~'0 ~ 'ZOWH OF Z~ZL BA~.Gg,
LZ~C~0~H C'OOZi't~, WZOKXZTC3 J~B Z)RHc~tZBmD OM ~ oyz':zcEr~Td 9Z,&T
Parcel E) Num,ber:
33"/ 9 BIL~M m~
LA.RAhaB
(" l)rop~'ty
which curreutly has the _,~H_,'eas of
[c~] , Wyomtn.n 83X:t3 t~Jp Cod,]
TOOETItER WITH all the improvements now or heraafter erected on the property, and
easements, appurtenmccs, and fixtures now or hereafter a pm of the property. All replacements and
additions shall also be covered by this Security Instrument. All of tho forosoing is refmml to in this
Security In~ as t~ "Propeimy."
BORROWBR COVENANTS that Borrower is lawfully seined of the estate hereby convoyM and has
the right to mortgage, ~ant and convey the Properly and mm: the l~q~rty la uneacuml~d, exc~t ~or
~cun~ of record. Borrower warrants end will de~end ~enerally fha Qda to the Property a~ains~ ali
~ and ,kanan~, eubJcot ~o any eacumbranc~ o~ record.
THIS SPA2UICrTY INSTRUMENT combine~ ,,,t~orm coveaant$ f~r national use and non-unlfi;~rm
covenaut~ with limited vari~ons by jurisdiction to co,~t~t~te a unifbzm eecurRy imn. ummt coverin$ real
propm~.
WNIFORM COVENANTS. ]Bom~we~ and L~adcr cov~-,,,,~ and ~ as ~olloww:
1. Paymmt of Pfludpai, Intermt, E~crow Itmm, ~ Cbar~, and Late Charges.
Borrower ehall pa)' whm due ~hc pflncipal o~, ~d intereat on, ~bc d~bt evidenced by thc Note and any
prepayment charge~ emi late char~ee due under ~ Note. Bo, OwK ~aall aim pay filada ~or ~ Itmm
p_umuant to Section ~. Payme~ due ureter the Note ~ diie ~cuflty lnstmum~ ~hall be nmde in U.S.
currm~. However, ii' an), check or other L'uannnent received by Lender ~ paym~a~ under the Note or ~
dI~-~IWYl mo~s) p~q,~o~o Form 3051 1/~1
NOV 08 ~002 1G:51 FR WELLS FARGO HM MTGG303 ?58 104G TO 13078779G08
P,09/~4
Sectary Iust~t is returned to Lender vllpaid, Lender nuty require that any or all subsequent paylltent~
due under the Note end this Security Instrument be made in one or more of the followinS fornm, as
selected by Lender: (a) oash; (b) money order; (e) certified check, bank check, treasurer's cheek or
cashier'S ch~.k, provided any such check i~ drawn upon an institution whose deposits nrc insured by a
federal agency, lns~tality, or entity; or (d) Electronlo Funds Tnnsfer.
Paymimts are deemed received by Lender whe~ received at the location de~ignstsd ia th~ Not~ or at
such o~her location as may be designated by l~nder in a~ordance with the notice provisiom iu Section 15.
Lender may return any payment or partial payruent if the payment or partial paymonts aro Insufficient to
bring the Loan current. Lender may accept any payment or pmilal payment insufficient to bring thc Loan
~t, without waiv~ of any fights hereunder or prejudice to its fights to reft~e such paytllg~lt or partial
payments in the future, init Lender is not obligated to apply such payments at the timo such payments are
acc~t~. If each Periodic Payment is applied as of its scltedulM due date, then Lender need not pay
Interest on unapplied funds. Lender real/hold such unapplied fonds until Borrower makes paymont to bring
the Loan current. If Borrower does not do so within a reasonable period of time, Lend~ nhn!! either apply
such fonds or return thom to Borrower, If not applied ~arlier, such funds will be applied to the ouUtandIng
principal balance under the Note irome~ately prior to foreclosure. No offtet or claim which Borrower
might have now or In the future against Lend~ shall relieve BorrOwer from making paymmts du~ under
the Note and this $ccurity lnstrumont or performing the covenants and agreements secured by this Security
Imtnmznt.
2. Application of Payments or Proceeds. ~t as otherwise described in this Section 2, all
payments ac~ and applied by Lender shall be applied in the following order of priority: (a) interest
due under the Note; Co) prinoipai due under the Not~; (c) amounts due under Section 3. Such payments
shall bo. applied to each Periodic Payment In the order in which it becamo due. Any remnlnlojl mounts
shall be applied first to iato charges, second to any other amoums due under this Security lnstnunem, and
then to reduce the principal balance of the Note.
If Lender r~eives a payment Dom Borrower for a delinquent Pariodic Payment which includes a
sufficient amount to p~ty any late charge due, the payment.may be applied to the delinquent p&ytnent and
the late charge. If more than one Periodic Payment la outstanding, Lender may apply any payment nceived
Dom Borrower to the repayment of the Periodic Payments if,-and to tim extent that, each palm~nt can be
paid in full, To th~ extent that any excess exists after the psymem ia applied to the full paymmt of one or
more Periodic Payments, such excess may be applied to any late char~es due. Voluntary prepayments shall
be applied lust to any prepal~ent charges and then as described In tho Note.
Any application of payments, tnsurenr, e proceeds, or Miscell~ Proceeds to principal due under
the Nora shall not extend or postpone the due dato, or change tbe smlount, of tho Porlodlo Payments.
3. Funds for Escrow Items; Borrower shall pay to Lender on th~ day Periodic Paymonts are due
uuder tho Not~, unto tl~ Note is paid In full, a sum (tho "Funds") to provide for paymmt of amounts du~
for: (10 ray, es a/Id Mse.~anl~Jlts and oth¢l itians which can an. sin priolity over this Secllfity ][ll~t as a
lien or encumbrance on the Property; Co) leasehold palorlents or ground rents on file Property, if anyl (c)
premiums for any and all insurance required by Lend~ under Section 5; and (d) Mortgnge Imlu'ance
premiums, if any, or any sumn payshle by Borrower to Lender in iiou of the payn~,nt of Mortgage
Insurance preng,m_~ in ac~ordence with tho provisions of SectiOn 10. Thes~ ltanls are Called '~erow
It~ma." At origination or at any time during the mm of the Loan, Lender nuy require that Com, r~-,tty
Assooiation Duea, F~es, end Assessmmts, if any, be eScrowed by Borrower, and such dues, fees and
ass___.~-sments shall be an E,~crow Item. Borrower shall promptly furnish to Lender all notices of amounts to
be paid under this 3action. Borrower shall pay Lender thc Funds for Escrow Items unlesa Lender waives
Borrower's obligation to pay the Funds for ~y or all Escrow Iter~. Lender may waive Borrower's
obligation to pay to Lend~ Punds for any or all Escrow ltema at any time. Any such waiver may only be
hi writing. In tho went of such waiver, Borrower shall pay dir~otly, when and wh .ere' payable, the amounts
(~e-.e,(wY) (oooel bee ~ ~' ~ Form 30B1 1101
NOV 88 800E 16:58 FR WELLS FARGO HM MTGG803 758 1046 TO 1307877@808
P.10/~4
duo for any Escrow l~er/a tot wht~ payment of Funds has be~ waived by Lender and, if lender requires,
shall furnish to Lender receipis ~vidaucin~ such payment within such time period as ~,~ltder rt~y r~uir~.
Borrower's oblis~tlon to make such paymenis sad to provide receipts shall for all purposes be deemed to
be ~ cov6mmt ~ ag~ment conudned in this Securi~ Instrument, ~s the phr~ 'covenant and ag~m~nt'
is used in S~tion 9. If Borrower is obligated to pay ihcrow Items dir~tly, pursuant to a waiver, ami
Borrower fails to pay the amount due for an Bacrow Item, Lender m,v exercise its rights uader Secfl/m 9
and pay such amount and Borrower sh~ll then be oblig~ed under Section 9 to repay to lender any such
amount, Lender may revoke the waiver aa ~o any or all F.a~row Items at any time by a notice ~ivcn in
accordimce with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that .re then required under ~ Section 3.
Lender n~y, a~ any time, collec! sad hold Funds in an ~'-o. unt (a) sufficient to permit Lender m apply
the Funds a; the time specified under RF.~PA, and (b) not to exceed the maxir~,m amount a lemier can
require under RI~PA. Lender shall estimate the amount of Funds due on the basis of cun'e~t da~ and
re.citable estim~Ies of expenditures of future Escrow lleras or otherwise in accordance with Applicable
Law.
The Funds shall be held in au institution whose depositB ~re in~ured by a fede~ ageacy,
instrumentality, or entity (includin~ Lender, if Lender is aa institution whose deposits sre so insured) or in
any Bederal Home lean Bank. Lender shall apply th~ Funds ~o pay the Escrow l~ms no later than the time
specified under RI/SPA. Lender ~hall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifyk~ the Bscrow Items, unless Lender pays Borrower interest on the
Ptmds and Applicable Law permits lender to make such a cherge. Unless an agreement is made in writing
or Applicable Law require~ interest to be peid on the Funds, Lender shall not be required to pay Borrower
any interes~ or eamin/s on the Funds. Borrower and Lender can a~ree in writing, however, tlua inten~
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accountin~ of the
Funds as required by RI/SPA.
If there is a surplus of Bunds held in escrow, as defined under RI~SPA, Lender shall ~;~llt to
Borrower for the excess fuads in accordance with P,F~PA. If there is a ahort~e of Pund~ held in escrow,
as defined under RESPA, Lender shall notify Borrower u required by RI~PA, sad Borrower ~udl p~y to
Lender the amount necessary ~o ~ up the ~ho~e in accordance with RF.,SPA, but in no more th.n 12
moa~bly payment, If ~here is · deficiency of Funds h~ld in escrow, as defined under RI~PA, Lender shall
notify Borrower aa required by ~A, and Borrower shall pay to Lender the amount v_,~c?_s~ary
up the deficiency in accordance with RBSPA, but in no more dan 12 monthly payments.
Upon payment in full of all sums s~ured by this Security Irish, Lender shall promptly refu~xl
to Borrower any Funds held by Lender,
4. Clu~esI Lieas. Borrower shall pay all rotes, assessments, ~.,'~, fines, and impositions
atuibutable to the Property which can ~,.t~ priorily over this Security Ia,trument, le~ehold payn~nts or
ground rents ca the Prop~y, :if .ny, and Co ...... unity Association Dues, Fees, ~d Assessments, if any. To
the ex?at that thee items are F_~ow Items, Borrower sh/dl pay them ill the ~mner provided in Section
l~'rower sludl promptly dwO~Se auy lie~ which has priority over this Security
Borrower: (a) a~rees in writing to the p~ymcnt of the oblisation secured by the lien in a ~ acceptable
to Lender, but only so long as Borrower is perfo~j such a/reement; (b) contem the lien in Scud fsith
by, or defends a~ah~t enforcemem of the lies in, legal proceedinss which in Leader's opinion operate to
prevent the enforcement of the lien while those proceedings are pe~iing, but only until such proceedin~
are concluded: or (c) secures from ihe holder of the lies aa agreemcm sat~factory to Leader
the lien to this Security Instrumml, If Leader deiermines thai any pm of the Property is subjccl to a lien
which can attain priority over this Security Instrun~t, Leader may ~ive Borrower a notice identifyin~ the
3061 1/01
NOV 08 200~ 1G:53 FR WELLS FARGO HM MTGG30~ 758 104G TO 1~078779GO~
P.I1/24
lien. Within 10 days of the date on which tl~t 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 p~y a one-time charse for a real estate tax verification and/or
rcponin~ service used by Lender in connection with this Loan.
S. Property Insurance. Borrower shell keep the improvements now exisdnl~ or hereafter erected on
thc Property insured a~airmt loss by fire, hazards included within the term ,extended cover~e,' and any
other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance.
This insurance shall be mstntsined in the amoUnts (includin~ deductible levels) and for thc p~rlode that
Leader requi~es. What Lender requlr~ pursuant to the precedin~ smtences can chanse durin8 the term of
the Loan. The insurance carrier providing ~e insurance shall be chosen by Borrower subject to Lender's
dF, Itt to disapprove Borrower's choice, which right shall not be ~xercised unreasonably. Lender may
requir~ Borrower to pay, in connection with this Loan, ~ither: (a) a one-tim~ charSe for flood zone
determi~tion, certification and trackin~ services; or (b) a one-tinm olin'Ge for flood zone det~rmln~tion
an~i certification services and subs~luent charges each time ranappings or similar el~nses omur which
reasonably might affect such deten*aination or certification. Borrower shall also be responsible ~or the
payment of any fees imposed by the Federal Emersency Management A~ency in connection with the
review of any flood zone d~tenuinatinn t~ultin~ from an objection by Borrower.
If Borrower fails to mst,,,t, any of the coverages described above, Leader may obtain insuran~
coveraSe, st lender's option and Borrower's expense. Lender is under no obligation to purchase any
particular typ~ or amount of coverage. Therefore, such coverage shall cover Lender, but miftht or mi~t
not protect Borrower, Borrower's equity in the Property, or the contents of the Property, a~inst any risk,
hazard or liability and misht provide greater or lesser coverage than was previously in effect. Borrower
acknowlcdaes that ~ cost of the insurance coverage so obtained miBht siguifleantly exceed the cost of
insurance that Borrower could have obtained. Any amounts distnused by Lender undm' this Section $ shall
becon~ additional debt o~ Borrower secured by this Security Instrument. Thes~ amounu shall bear interest
at the Note tree ~mm the 4*_ie of disbursement and shall be ps,able, with such interco, upon notice from
Lender to Borrower requesttn~ paymmt.
All insurance policies required by 1.4mder and xenmvals of such policies shall be subject to Leader's
risht to disapprove such policies, shall include a standard mort~ag~ clause, and shall name Lander u
mortgagee and/or as an additional loss payee. Lender ~tl have the nght to hold tbs policies and renewal
certificates. If Lender requires, Borrower shall promptly ffive to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of insurance coverage, no~ othKwise required by l.,mder,
for dan~e to, or destruction of, the Property, such policy shall include a mndard mortF~e olame and
shall mu~e Lender ss mortgagee and/or as an additional loss payee.
In the event of loss, BorroWer shall ~ive prompt notice to the insurance carrier and Lender. Lender
may make proof of loss if not made inomptly by Borrower. Unless Lender and Borrower otherwise ~
in writing, any insurance proceeds, whether or not the underlyi~ insur~ wa~ required by Lender, eh~ll
be applied tO x~toration or repair of the Property, if ~e restoration or repair is economiottlly feasible ~
Lender's security is not lessened. Dm'ins such repair and restoration period, Lender shall have the right to
hold such insurance pIoceeds until Lender has heal an Opportunity to inspect such Property to misure the
work has bern completed to Lender's satisfaction, provided that mw..h inspection shall be undm'taken
prompdy. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of prol~reas payments as the work ts completed. Unless an agyeement is made in writin~ or Applioable Law
requires interest to be paid on tach inmmmce proceeds, Lender shall not be required to pay Borrowe~ any
interest or esminss on such proceeds, l~ee~ for public a4justers, or other third parties, retained by
Borrower shall, not be paid ou~ of the insurance proceeds and shall be the sole obligation of Borrower, If
the restoration or repair is not economically feasible or Lmder's security Would be lessened, the imurauce
proceeds shall be applied to the sum~ secured by this Seeurity Insmunent. wbetber or not then due, with
(~e-e(WY) (ooo~ ~ e o~ ~ Form
NOV 88 2002 10:5~ FR WELLS FARGO HM MTGG808 758 104B TO 1~078779~08
P'.12/24
the excess, if any, paid to Borrower. Such insurance proceeds shalt be applied in the order provided for in
S~ 2.
If Borrower abandons the Property, l.,ender may file, negotiau~ and settle any available insurar~
claim and related r~tters. If Borrower does not re~,ond withi~ 30 days to a notice from Lender that ~
insurance cerrier has offered to settle a claim, then Lender may ne~otiate and seille the claim. The 10-day
period will besin when the notice is given. In either event, or if lender acquires die Property und~
,~ection 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's ril~h~ to any insur~.e
proceeds in an Rmnun! nol to excel._ the arao~,mt~ unpalg under the Note or this Security Inau'ument, sad
(b) my odler of Borrower's rights (other than the tilth! ~o any refund of unearned premiums paid by
Bon~wer) under all h~surance policie~ coverin~ the Property, inaofer es such rl~,h~s are appltceble to the
coverase of the Property. Lender may use the insurance proceeds either to repair or ~tore the Property or
to pay amounts unpaid under the Note or this ~.se~._,rlty Instrument whether or no~ ~ due.
~. Occupancy, Borrower ~hall occupy, establish, md use ~he Property as Borrower's principal
residence within 60 days after the execution of ~his Securi~ tnstmmen~ ~d shall cominue to occupy the
Properly as Borrower's principal residence for at least one year after the da~e of occupancy, unlcr~ Lender
otherwise sS~es in wriQn~, which consent shsll not be unreasonably withheld, or uule~l extemmlin~
circ-,,~ancas exist which are beyond Borrower's con~rol.
7. Preservetien, Main~,mce and Projection of ihs Property~ ll~xction~, Borrower shai! not
destroy, damage or impair h'm Property, allow the Property io detzriorate or commll waste on the
Property. Wheat or not Borrower is reaidin8 in ~he Property, Borrower shall main~,~in the Property in
order to preven~ the Property from de~eriorsflng or decreasins in value due m t~s condition. Unle~ h is
gelermlned pursuant ~o Section ~ that repair or restorndon is not economically feuible, Borrower sh~ll
promptly rep~ ~he Prope~y if damaged to avoid fur~e~ ~erior~orl or ~ttma~e. If insurance or
con~emn~on proceeds sre paid in connection with danube to, or Ihs takin~ of, the Property, Borrower
shall be responsible for repairin~ or reatorin~ the Property only If Lender has released proceeds f~r such
purpose~, Lender may disburse proceeds for the repslr$ ~md re$~oration in a single paymen~ or in a series of
pro~re~$ plyment~ as g~ work is completed. If the insurauce or condenmadon proceeds are nol suff'~cien~
lo repair or re, ore the propen'y, Borrower is net relieved of Borrower's obligation for h~e compleQon of
such repair or res~oratinn.
Lender or t~s a~e~l may make reasonable enuies upon iud inspecltons of the property. If it h~
reasonable cause, Leuder may inspect the ln~erlor of the huprovements on the Property. Lender g~l! ~ive
Borrower notice at ~he time of or piior to such au interior inspecQun specifytn8 sucll reasonable c~use.
8. Borrower's loan Applic~tion. Borrower' shall be in de~attk if, durin~ the Loan application
proc~s, Borrower or ~y perr~ls or en~ities acling at ~he direcQon of Borrower or with Borrower's
knowled~e or con~e,~t gave materially raise, ml$1cedin~, or inaccurate informs~ton or s~en~ lo Lender
(or fstled ~o provide Lender wi~h materiai information) in conuection with the Loan. Ms~eriai
~presen~dons include, but ~ee not limited to, representations concemin~ Borrower's occupancy of ~
Property es Borrower's principal residence.
9. Proi~tlan of Lemder's Intere~ in ihs Property ~d Rights llmter ~ ,qecurity Inainmamt. If
(a) Borrower fsils m perform the cove,,,,,,, and aireerfien~ contained in thh Security lmuurn~t fo) there
is a legal proceedin~ tha~ mighl $i~niflcanQy affect Lender's intereK in the Property mxl/or rights under
this Security lusu~m,.~, (such as a proceedin~ in b,,,t',ut~Ley, probale, for condemmUton or forfeiture, for
enforcement of a lien which may avsl~ prlorivy over this ~.~i~_,_rlty h~mment or to enforce laws or
re~ulaQons), or (c) Borrower h~ abandoned the Property, then Lender may do at~ pay for whiaever is
reasol~bin or approprialC ~o protect Le~lder's inIel'est ill the Plgpef~ and rl~h~s under glis ~ecurity
lustru,~.n~, incltutin~ proleciin8 and/or ~se~sin~ the vaiue of the Propert},, and securin~ ~ui/or repairi~
me Propen'y. Lender's scQons Can include, bul are not limiu~d K,: (a) payin~ auy P~m~ secured by a lieu
which has priority over g~ls Security ~t; (b) sppearin8 in court; ~ (c) payin~ ressonable
(~e-~iWY) (o~oa] p~ ? M ~l FMm ;~OB1 1101
NOV 88 200~ 1~:54 FR WELLS FARGO HM MTGG303 ?58 104G TO 1307877BS0~
56I
attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including
its r, ecur~ position ill a banicruptcy precis. Securing the t)rop~'ty i%ludes, but is not lingtcd to,
enid'ins thru Property to make repairs, change locks, replace or board up doors and whtdows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turncd
on or off. Although Lender may ~tke action under this Section 9, Lender does not have to do so and is not
under any duty or obligation to do so. It ts agreed that Lender incurs no liability for riot taking my or all
actions authorized under this S~ction 9.
Any amounts disbursed by Lende~ under this Section 9 shall become additional debt of Borrower
secured by this Security lnstrunumt. Tne~ amounts shall bear interest at the Note rate from th~ date of
disbar and shall be payable, with such intereat, upon notice from Lender to Borrower requesting
payment.
If this Security Insu-dment Is on a leasehold, Borrower shall comply with all the provisions of the
leaae. If Borrower acquh'es fee titl~ to the Property, the leasehold and the fee title shall not merge unl~as
l~nder asrees to ~ merScr in w~iti~.
10. Mortgage Imurunee, If Lender required Mortgage insurance as a condition of nmkins the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for say reason.
the Mortgage lmurauc~ coverage r~lutred by Lender ceases to be available from the mortgage imur~ that
previously provided ~uch insurance and Borrower was required to p~,t~ separately designated payments
toward the pmnimm for Mortgage Insurance, Borrower sl~ll pay d~ prmnlums requital to obtain
coverage subsuntislly equi_valent to the Mortgage _.Imumu~ previously in effect, at a cost substantially
equivalent to the cost to l~orrower of the Mortgage lmurance previously in effect, from an alternate
mortgage insurer selected by Lender. If subsumtially equivalent Mortgage Insurance coverage ia not
available, Borrower shall continue to pay to Lender the amount of the s~arately designated payments that
were due when the insuranc~ coverage ceasM to be in effect. Lender will acoept, use md main
payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Sueh loss t,e~we shall be
non-refundable, notwithsmuding the fact that the Loan is ultimately paid in full, and Lender shall not be
mluimi to pay Borrower any interest or earnings ou such loss reserve. Lender can no long~ require loss
reserv~ payments if Mortgage Insurance coverage (ill the amount and for the period that l.mder requires)
provided by an insurer selected by Lender again b~xm~es availabte, is obtained, and Lmd~ requires
.separately destituted payments toward the pt~ml,~m~ for Mortgage lmurance. If Lmder required Moxtsaga
msurauce as a condition of makin~ the Loan and Borrower was r~uimi to make separately dmignated
l~yments toward Iht premiums for MortSage Insurance, Borrower shall p~y tho prmliuna required to
m!i~tgin Mortgag~ ~Lq~ ill effect, or to provide a non-refundable loss reserve, uutil
,uiequtremmt for Moxtaage Insurance ends in accordau~ with any wrlt-,m agrmmmt b~w~u Borrower and
er providing for such termination or until termination is requixed by Applicable Law. Nothing in this
Section l0 affects Borrower's obligation ~o pay interest at the rale provided in the Note.
Mortgage Insurance reimburses Leader (or my entity that purcha~ the Note) for certain losses it
may incur if Borrower does not repay die Loau as agreed. Borrower is not ~ petty to the Mortgage
Mongaga imurers' avaluste their total risk on all such insurance in fei'ce from H,~. to time, and may
enter into agrem,.ents with other panias that share or modify thvir risk, or reduce losses. Thee
are on trams and oonditiom that am satisfactory to the mortgage insurer and ~ other partY(or panics) to
th~ ~-~mmts. Thee agmmmm may require the mortgage insurer to mala payments usin~ my source
of fund~ that the mortgage iamrer may have available (which may include funds ob~*tn,~d f~om Mongag~
Imurmce premature).
As a remit of these agreemmts, Lender, any pur~-I~s~,~r of the Note, another imumr, any reinsurer,
any otlm- entity, or eny affiliate of any of the foregoing, may receive (directly or indi~y) sm*amis that
derive from (or might be characterized as) ~ portion of Borrower's paymmts for Men,age htsuranco, In
exchange for sharing or modit*l~ the mortgage insurer's ~k, or reducing losses. If suah
provld~ that an affiliate of Lender takes a share of the imurm"s risk in exchange for a
premiums paid to thc insurer, the arrangement is often tmxl~d 'captive reinmuan~." ~'.
(~) Any such strmnmts will not affect the mounts that Borrower has agrmt to pay for
Mortg~e Inmmm~, or any othm' tm of tim Lo~n, Such agr~mmts will not lncrea~ the mount
Borrower will ows for Mortgage Imurune~, sad they will not mtitle Borrower to uny rsl~ud.
~-alWY! Kx~lJ pN~I of ~I F~m 30~1 1101
NOV 08 Z008 1G:55 FR WELLS FARGO HM MTGG303 ?58 104G TO 13078775G08
P.~4/~4
(b) Any such a~reements will a~ ~ff~t ~e A~s ~o~w~ ~- ~ ~y. ~ rm~t to
may hclude ~ Fight to r~v~ ~ ~m, ~ ~u~ ~d obt~n ~!~ or
~qe ~~, m have ~e Mo~e ~n~ tw.-i-~ auMmfl~y, ~/~ ~ ~ve a
r~d of ~y ~sqe ~ance p~ ~ w~ ~~ et tb tim of m~ ~affon
~si~ to ~d s~l ~ ~d m ~der.
~n~ su~ mp~ ~ ~~ ~, ~n~ ~ have ~o fl~t m ~Zd ~ ~i~~
~til ~d~ ~ ~ n o~~~ ~.~ p ~ ~ work h. ~ ~1~ to
~ ~ ~m~n ~ a s~le disbar or ~ a s~ of p~s pa~ u
Law
~M. U~s n ~~ h ~ ~ ~S or Appli~le in~ ~ ~ p~d on ~h
MiS~l~us ~S'. If ~e r~mra~on or mp~r Is ~t ~iy ~ible or ~d~'s s~U wo~d
~I~ i~ ~e o~er pmvl~ for ~ ~ 2.
~ ~e ~mt of a ~ ~g, d~~, or loss in v~ue of ~o ~o~, ~e Mi~us
~s ~ ~ ~ m ~e ~ ~ by ~is ~ ~nt, wheat or not ~
~ o~, if ~y, ~d m ~.
~ ~ ~ ~m o~ ~ Su~ ~ by ~ ~ l~t ~i~y ~
~, d~ion, or loss ~ v~, ~ ~ow~ ~d ~ o~ ~ ~ ~,
~ ~e p~ ~i~, ~on, of loss ~ v~. ~ b~ ~l be p~d ~ ~w~.
~ ~ (u ~ ~ ~e n~ ~) o~ m ~ ~ ,w~ m ~ a cl~ for ~,
~o~r ~s m ~ m ~ wl~a ~0 ~ys ~ ~ d~ ~ n~ ~ ~vm, ~ i~ ~o~
.. ~ oy ~ ~ ~~t, w~ or not ~m d~. ~$~e ~" ~ th~,hi~
Borrower shall be tn default if any act/on or proceeding, whether civil or criminal, is begun that, in
Lender',judgnmlt could resul, .~foff.ei,u[e_ of ~Prol~y or other mate~iai impairmm, of Lmder'$
ruung mat, tn ~n~er s juogment, precludes forfeiture of th~ Property or other materi.~
tn~. airment of Ludmr',, i.umr~: ~ _t]3e Prop.m7 .Or. '.r~p u.M~r.this Security ~nt. The proceeds of
any award or claim for dmages ma~ are ~muuame ~o me m~mrmmt of Lender s interest in the Property
are hereby usigned and shall be paM to Lender.
All Mi~,ellaaeous l~oceeds tha~ are no! applied to restoration or repair of the Prope~, ~h~ll be
applicd in .t~e order provided for in Section 2.
d~-SIWY) Io~S) Pm B e~ ~S Form 3061 1101
NOV 88 2002 IB:55 FR WELLS FARGO HM MTGG303 758 104B TO 1307877S608
P.15/~4
12. BorFower Not Released; Forbearance By Linde- Not a Wfdyer, Bxt~nsion of the time for
payment or modiflca~on of amortization of the s-re, secured by d2s Security Instrument ~tM by Lender
m Borrower or any Successor in Interest of Borrower shall not opeme to relesse the liability of Borrower
or any Successors in Lnim'est of Borrower. Lender shall not be required to connnmce proceedings agai~t
say Successor in lnmre~t of Borrower or to mfu~c to extend time for payment or otherw~ modify
amoniz~uion of the s-re. secured by ~his ~urity lmL, un~t by r~on of any demand nude by the orlsinal
Borrower or any Succe$,on in Interest of Borrower. Any forbearance by Leader in exercisin~ any rt~t or
remedy including, wiu~out lirnite2on, Lender,s acccp~mce of psymen~ from third persons, enflflu or
Successors in Interest of Borrower or in ~unotm2 less ~hsn the amount then due, shall not be a wHver of or
preclude the exercise of any r~ht or remedy.
13..~oint and Several Llal~ty; Co-Cipherer S~ and A~i~us Bound. Borrower covenant~
and a~ees that Borrower', obligations ~d llabiti~¥ $~11 be Joint e,.4 several. However, any Borrower who
co-signs this Security l~trumml bu~ doe~ not execute the Note (a 'co-si~nef"): (a) i, co-si~nin~ this
o~ um ~cur~ty lmu'ument, ~,t~) iS not personally obli~amd to vs~, the s-ma ~ed by this Securfw
t; tad (c) ~rec~ th~ lender and e~y oee,~ Borrower ce~ ~ee to ~tmi, n~x~, forbear
make any eccommodatiom wl~ re~ard to ~e terms of ~hi~ Security lnsmur~t or tho Note wi~out the
Bo Subj? m the provisions of Section 18, any Su__,~.~__~r in Inm'~t of Borrower who assume~
rrowef-$ obli~uions under d~i, Security Instrument in writing, end i~ approved by Leader, ~211 obtain
all of Borrower's fights and bc~cfi~ under this Security Instrument. Borrower shall not be released from
Bo..r.r.o. wer's obli~ations and liebility, under this Security Instrument unlc~, Lender e to such
_writing. _.The covenente, and a~een2nts of this Security lnstnunent shall bind ~c~pt nele,~e in
as provided in
Section 20) and benefit tl~ successor, and a~si~ns of Lender.
~rro.wl4. ~.an..C~l~.l,'*. l~nder my cb~se 9orrower fee~ for servtce~ ]~'tormed i~ connection with
~ s aemu~t, .for .the purpose of protec~tin~ Lender's tnter~t in the J~'operty and rlght.s ~ this
g a t shy ottter zees, me absence of expfe~ authority tn ties Security ~t to charge a specific
ffe~ t.o. B?rfower sh~! eot .t~...co~tru~_ ?, wohib, ition o- the cllsr~in~ of such fee. ~ may aot
ecs mt~ sre expressly prom~Ited t~y u~is Security Inset or by Applicable Law.
If the Lo~n is ~ubject to a law which sets max[ntvm lo~n char~e~, ~ that law is finally interpreted m
~ha~ the lme~e~t or other loan c~r~es collec~ or to be collected in connection with ~he Loan ex__,~__ the
p~-2~tted limit, then: (a) any such loan charge sh~ll be reduced by the ~uuount nece~ to reduce
ch~e to the per,ted lhnk; ~d fo) any ~-~ ~l~d~ collected from Borrower wh~h exceeded penuit2d
limits will be re~m~,~ ~ Borrower. Lender may choose to make this ~f'tmd by reduc~n~ the princ~pal
owed under the No~e or by mak~ & direc~ payme~ m Borfowc~. If a ref~,~ reduce~ principal,
reduction w~_ be .ue~d ~, a prom prepayment withou~ my p~aymem ch~e (whethe~ or not a
o~~ ~o ~orrowef wm comtimte a w~tver of any right of action Borrowe~ might have ar~in~ out
such overcharge.
15. Noticee. All nm~ces ~ivm by Bon-ower or Leade~ in connectio~l _with this Sect~ity Instnm~t
mus~ be in wiltS. Any notice m Borrower l~ coanectlon wi~h thh Security ~uummt shall be deemed m
have been ~ivm m ]~orrowe~ whoa mailed by f~t cla~s ~ of whe~ actually delivered to Borrower's
aotice addre~ if ~eut by od~ me~m. Notice ~o any one Bon'ower shall co~titute notice to all Borfowef~
uale~ _Applicable I,aw expre~ly requires otherw~. The notice addre~ shall bc the Property Address
unless Borrower b~ ~ a ~vb~tute aotice addr~s by notice ~o Lend~. Bormwe~ ~hal[
~n.~,~ ,I.~.. of _BOFo. ~er'~ ch~e of ~dr~s. If Le~der ~xcif~ a p~edvre for re~'~i~
e or auc~, t~m ~on, ower shall o~1¥ ~l~ort a chan~e o! ~lre~ ~ou~h th~ slx~lfled procedure.
There may be only one designa',ed notice address under this Seeut'ity Instrument at any one time. Auy
notice to Lender altall be given by deHverln~ it or by ,mUln~ it by fire class mail to t,md,,-'s address
stated herein unless ~.,~._,~-__ has dett~nated another ___~druss by notice to Bofrowm-. Any notice. In
connection with this ..S?ufity ..h~sm~m,,~ shall not be deemed to have bern ~iven to Lender until sctually
received by l,,endef. ~ any nouc~ r~quked by ~ ~ma'lty Imtmment Is also required under Applicable
Law, the Applicable Law requirement wilt satisfy the corresponding ~luirement under this Security
Xnstmmcnt.~
NOU 08 2002 16:SB'FR WELLS FARGO HM MTGG303 758 104B TO 1~078779602
P.1~/24
16. Governing Law; Severabfltty; Rules of Constru~tlou, This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is loceled. All fights and
_._ ._-,_ ....... ;,,~,...,p. uuk??t omer provisions o! OXls secu~ty lnstlqlment or the Note which can be
ipv~n crtcct Mmout me eanntctin~ provision,
As used in this Security Instrument:' (a) word~ of the ,,m-cullne gender shall mean and include
corresponding neuter word~ or words of the =femtni,e gende~ (b) words in the singular shall mean and
incinde the plural and vice versa; and (o) the word "may' gives sole discretion without any obligation to
take any action.
rL Borrower's Copy, Borrower shall be 81yen one copy of the Note and of thin Security Immanent.
18. Trnn~er of the Propeety or a Bene~elal Interest in Borrower. As wed in this ~etion 18,
~l~terest .in the Property" neam nny legal or beneficial interest in the Propemy, including, but not Ignited
to, those oeneflcial interests transfen'ed In a bond for deed, contract for deed, Installment s~les contract or
escrow qp'eement, th= inten! of which is the transfer of tit/e by Borrower at a future date to a putr. J~aer.
If all or any part of the Pmpemy or any Interest in tim Property is sold or transferred (or If
is not a natlmd person nnd a beneficial interest in Borrower is sold or u'nmfemed) without Lender's prior
written consent, Lender may requ~e immediate payment in full of all sums secured by this Seearity
Instrument. However, this option shall not be exercised by Lender if aw.h exercise Is prohibited by
Applicable Law.
P .... 1.1[ _Lend? .exe_rches_ this..opti.on? .Lead_er ~hall give Bomowcr notice of acceleration, The notice shall
r.o..~.oe a..l~_oa ot not l.s man ~u ~ay, from th~ date th~ aotice is siren In acco~iance with Section
wlmm w/Ilea tlorrower mils! pay all ~ seclged by t~it Sectit"ity Xns~t. If Borrower fail~ to pay
rtsm~. prior to ~.e exp. lr~. on of this period, Lende~ may invoke any remedies permitted by this
ty tns~t wtmout nu~er notice or demand On Borrower.
1~. Borrower's RIBht to Reinstate After Aero,elation. If Borrower meets certain conditions,
:;. _ --..c ~a~ .vt uays oerore ssie o~ me Property pursuant to any power of ~ale contained in
mis Security Instating; (b) ~uch other period Its Applicable Law millht specify for the tm'ruination of
Borfower'~ right *o reimtate; of (c) entry of a judllmem enforcio~ this Security IMtn~nom. Tho~e
conditions are that Borrower: (a) pays Lender all sum, which thru would be d~ under this Security
Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
asreemems: (c) pa~ all
,t,~' p~u.y. ~.u?p?uon aaa valuation ~ees, ami other fern incurred fog thc
purpose of pro~ecdN. Lender'a mteres~ in toe Property and riBht~ under this Security Instrmnent; and (d)
takes such action as Lmder may .reasonably requiro to mum chat Lender's interest in the
y req pay such reinstatement su,m arid
, ~ or casm~ s cneclc, prov~ any such check is drawn
an institution whose
Pond~ Transfer. U~ond~-are ~ 'in-l- by. fedeX, al. ~en~., _imtnm~taltty or efltity; or (d) Blcctronic
t,y..t . .ta~e~ent_ ey aorrower, mis ~ecttrity Instrument and oblteatlons ~r,,4
apply in the case of ~ccieration under Section 18.
20. Sale of Notel Change of Loan ~rvleer; Notiee of Grievane~. The Note or a partial interest in
the Note (tosecher with this ~urlty Imtrument) can be sold on~ or more times without prior notice to
-..,., ,,~ r.x..au u~ sectmty lnsmim~,: and Ohm otl~r mo
· , s?m,Wer ~11 be 8,yen wrtttm notice of the chan~ which will sum the
cer, me address to which ts ~
payman ould be made and any other Luformaflon RESPA
Po.. 30111 1101
NOV 88 8002 16:57 FR WELLS FARGO HM MTGG303 ?58 1046 TO 13078779602
P.177~4
565
requires i~ connection with a notice of mmsfer of ~ervi¢in$. If ~. No~ 1~ ~ld ~d ~r ~ ~m i~
to ~w~r ~1 ~ wi~ ~ ~ Se~ic~r or b~ ~f~ m a m~s~ ~ ~icu ~d ~ not
~ by ~e Note p~r ~ o&~ilo pmvi~ ~ &e Note p~.
N~er Boff0w~ ~r ~ ~y ~~, .Join, 0r be jo~ ~ ~y J~t~ ~tion (~ ~ ~
~dividu~ ltti~ or &t ~r of a ~) ~at ~ ~ ~ o~ p~'s ~o~ pur~t to
~fiU ~nt or ~ ~les~ ~ ~ ~ p~ h~ b~ ~y pmvis~ of, or my ~ ow~ by
~on of, ~s S~ ~,m~t, ~ttt su~ ~ffower or ~ h~ nod~ ~ o~ p~ (wl~ such
nod~ ~ivm ~ ~i~ wi~ &e ~t~ of S~tion 15) of ~ ~leg~ ~ ~ ~o~ ~e
o~ p~ he. to a ~onable ~od ~ ~e giv~s of ~ no~ to ~ ~v~ ~. If
A~li~le ~w pmvi~ a t~ ~ whi~ ~ ~ be~ ~ ~1i~ ~ ~ ~, ~t ~e
p~ wHl be d~ to ~ ~o~le for p~os~ of ~ p~h. ~e ~t~ of ~ion ~
op~ty m ~ ~vm m ~w~ p~t ~ ~ion ~ ~ ~e nofi~ of ~~ li~ m
~ pmvis~ of ~s S~on 20.
Zl. ~~ ~n~. As ~ ~ ~s S~on 21: (a) '*H~s ~s~" ~
~) *~vim~t~ ~w" ~s f~ laws md l~s of ~ j~c~on w~ ~ ~o~ Is 1~ ~
~l~e m h~, s~ or m~tM pm~Oon; (~) "Bn~~ Cl~p" ~ ~y ~
~on, r~ ~n. or ~v~ ~tion, ~ ~ ~ ~v~~ ~w; ~ (d) ~ "~vi~~
Cle~.
Sub~, or ~ ~ ~ my H~ ~bs~,-on or ~ ~ ~y. ~w~ s~l not ~,
~w, ~) w~ch c~ ~ ~vi~~ ~n~tion. or (c) w~, d~ to ~e p~, ~, or ~ of a
~o ~ ~hnll not apply m ~ p~c, ~e. or s~e on ~e ~y of smnll q~d~s of
H~ ~~ &~ ~e ~y ~~ to be ~r~ to no~ ~~ ~ ~ ~
~nt~ of ~ ~ (~1~, bm ~t l~t~ to, h~ ~~ ~ ~ ~),
~v~o~ ~fion, ~ ~ ~t l~t~ m. ~ ~fli~8, le~, ~, ~le~ ~ ~ of
~l~e of ~y H~do~ ~bs~, ~'(c) my ~on ~ by ~ p~, ~ ~ ~ of a
~ ~b~ whi~ ~v~y aff~ ~ v~ of ~o ~y, ff ~wu le~, or ~ ~fi~
by ~y ~ov~~ or re~U m&~, or my p~va~ ~, ~ ~y ~v~ or o~
~i~ ~io~' ~ ~~ wl~ Env~~ ~w, No~ ~ ~ ~ my obli~on on
~ ~r ~ ~v~ Cle~.
(~i)-e(WY) I~X)8) Pace ~3 o~ ~ ' - Fofltl 3081 1101
NOV 88 2008 16:57 fr WELLS FARGO HM MTGGO03 758 1046 TO 130787?9602
P.18/84
566
NON-UNIFORM COVENANTS. Borrower and Lender f~rther cove~ant and a~ree as follows:
...... . __ _ . ppn provides otherwige). The notice sh~, sm~fl~; Ca~
me aemmt~ II~) the nenon required to cure the default; (el a date. not I--- thnn _~n
~e,_n..~l_ee_ h_=lP.v.eu fo..Bo .r~.we,, by_ w_h.'~.the default m~st be e~ed; a~J {d)'~-~-t '~'nil'u~"t'~
~uu~, un oF More mn ante specified In the notice may result in acceleration of the sums secured by
~t to,~=_,_tY_.~eat a~.d s.nl,, of t_he Property..Ti? notk:e shall further inform B.row. of the
a ~1~--'~ --r'~--te ~i~r .ntis. erac~.on_ ond the rilht to brin~ a court action to a~en the non-edstmee or
.. ,,.. m~ umu spe~.e~ tn me notice, Londer at it~ option may require immedlnte nal~nent in full
sale and .any other remdim permitted by Applicable Lnw. Lender shall be entitled, to collect all
expands tucurred in pm'main[ the rnntndles provided in ,hi.. Section 22,'indudln~, but not linsitmd to,
reasonable attorney~' less and eoa0 of title ,vtden~e.
If Leudet invokes the power of sale, Lende~ shall ~ive notice of Intent to foreclose to ~4)rrower
and to the person tn poasealon of the Property, if different, in aceor(innee with Appileable Law,
1,4Dd~r ~ f~lr~ noti~ o~ the MJe to BOlTOWer h the mnnn~_d~, provicbld ill ,~'tlnti 1S, Le~ [h~]
puMish the no(let of mle~ and the Property shall he Mid in the mann~, prescribed by Applluble
Law. I.~nder or Its desi~nu ma}, purchase the Property at any sale. Tho proee.ds of the sale shall be
applied In the followln~ order: (a) to nil expenses of the sale, ineludlnl~ but not limited to,
reasonable attorn~s' fern; (bi to all sums secured by thin Security Inm'nm~t; and (e) ony excess to
the pm'son or persons l~ally entitled to it.
~,3. Rd~ese. Upon payn~nt of aU sums semtre~ by ~ S~urtty Instru.me. nt, Lender shall release this
Security Instr-n~,~t. Borrower ~all pay nny fcc, oral.on eom, Lencle~ n~y charse Borrower a fee for
releasms this .qeemtty Instnlment, but only if the fe~ is paid'to a third party for se~vlee~ tend~! nnd the
charsing of the fee is permitted under Applicable Law.
24. Waivers, Borrower r~leues and waiy~ all tit, his ~mder and by vln~e of tl~ h~
ex~mption laws of Wyomini.
NOV 08 2002 IS:58 FR WELLS FARGO HM MTGG30J 758 104S TO 13078778S02
BY SIGNINO BELOW, Borrower a~.~ptm and ~ te the tenm ~ud coveua~ coutaiued ia ,hi{
~uri~y lumtnJment and ~ any Kidcr ~t~ by Borrows' {u~ recorded with it.
DMmm& ,-. PA~B ~)
(zed)
-Boauwa'
(s~t) . ._
-Ik~rr~w~r -BoFruwer
(s~)
(WY)moomj pq, ~4e, ~m Worm 30B1 1/01
40V 88 2882 18:58 FR WELLS FARGO HM MTGG808 ?58 1046 TO 10078778602
P. 70/:~4
TI~ ~or~oing insr. rument was ~wt~s~ l~foze me tJxis
County
Form 30.~1 1101