The URL can be used to link to this page

Home My WebLink About913688 ') iG '7 Ll j 4 \ i ¡~ .~:;! 0698100619 ~ Return To: r' t" (, ;,'", C' Q "-' ,} ,. c' tJ J FIELDSTONE MORTGAGE COMPANY 11000 BROKEN LAND PKWY, #600 COLUMBIA, MD 21044 Prepared By: STEPHEN WINHOLTZ FIELDSTONE MORTGAGE COMPANY [Space Ahove This Line For necording nata] MORTGAGE MIN 100052606981006199 RECEIVED 11/14/2005 at 4:06 PM RECEIVING # 913688 BOOK: 604 PAGE: 669 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY () DEFINITIONS Words used in multiple sections of this document are detined below and other words are detìl1èd in Sections 3, 11, 13, ] 8, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Selllrity Instrument" means ù1is document, which is dated together with all Riders to ù1is document. (B) "Borrower" is November 8, 2005 J, W TINA MARIE WHITE AND TRENTON WHITE" HIFE AND HUSBAND , AI(I\. TINA 1W-IITE Borrower is Ù1e mortgagor under ùlis Security Instrument. (C) "l\ŒRS" is Mortgage Electronic Registration Systems, Inc, MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's SUCCessors and assigns, 1\lERS is the mortgagee under this Security Instrument. f\'1ERS is organized and existing under the laws of Delaware, and has an address and telephone number of P,O, Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. WYOMING -Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3051 1/01 ~ -6A(WY) (0005) @ Page 1 of 15 7::J Imllals:( '1Lù 11111111111111111111111111111111111 VMP MORTGAGE FORMS· (800)521,7291 .~ -C..' ":, ~ ~~I, 'f', ~)_ 8') ,_j _~.J., 'l1 U r: 'ì r ,-~ r'1 0 '.' ~.I uti,' (D) "Lender" is FIELDSTONE MORTGAGE COMPANY Lender is a organized and existing under Ú1e laws of MARYLAND Lender's address is 11000 BROKEN LAND PKWY, #600 COLUMBIA, MD 21044 (E) "Note" means the promissory note signed by Borrower and dated The Note states that Borrower owes Lender CORPORATION November eighth, 2005 ONE HUNDRED TWENTY THREE THOUSAND FIVE HUNDRED TWENTY & 00/100 Du]]ars (U, S. $ 123 , 520 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than DECEMBER 1, 2035 (F) "Property" means the property that is described below under tlle heading "Transfer of Rights in the Property, " (G) "Loan" means tlle debt evidenced by tlle Note, plus interest, any prepayment charges and late charges due under tlle Note, and a]] sums due under tl1Ís Security Instrument, plus interest. (H) "Riders" means a]] Riders to this Security Instrument tllat are executed by Borrower, The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Balloon Rider D VA Rider D Condominium Rider D Planned Unit Development Rider D Biweekly Payment Rider D Second Home Rider D 1 -4 Family Rider D Otller(s) [specify] (I) "Applicable Law" means a]] contro]]ing applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have tlle effect of law) as we]] as a]] applicable tinal, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means a]] dues, fees, assessments and otller charges tllat are imposed on Borrower or tlle Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other tl1~iI1 a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic ten11inal, telephonic instrument, computer, or magnetic tape so as to order,instruct, or autl10rize a financial institution to debit or credit an account. Such ten11 includes, but is not 1imited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means tllose items that are described in Section 3. (M) "Misce]]aneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any tl1Írd party (otller tll~1!1 insurance proceeds paid under the coverages described in Section 5) for: (i) dmnage to, or destruction of, tlle Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in 1ieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of tlle Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means tlle regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of tlJis Security Instmment. (P) "RESPA" means tlle Real Estate Settlement Procedures Act (12 U.Se. Section 2601 et seq) and its implementing regulation, Regulation X (24 C. F. R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs tlle same subject matter. As used in tl1Ïs Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. C -6A(WY) (0005) ® Page 2 of 15 Initials jl.J 7w Form 3051 1/01 . . " l' ~r -) ~-l aGð !~\ (1/'"" i~' '1 .~) \.1 U i J.. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, wheùler or not ùlat party has assumed Borrower's obligations under Ùle Note and/or ù1is Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) ùle repayment of the Loan, and all renewals, extensions and modifications of ùle Note; and (ii) ùle perfomlance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, ùle following described property located in Ùle COUNTY of Lincoln [Type of Reeording Jurisdiction] [Name of Recordiug Jurisdiction] All that tract or parcel of land as shown on Schedule "A" attached hereto which is incorporated herein and made a part hereof. Parcel ID Number: 992 COUNTY ROAD 119 THAYNE ("Property Address "): 34191220025400 which currently has the address of [Street] [CitYI ,Wyoming 83127 [Zip Code] TOGETH ER 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 uilderstands and agrees that ¡vIERS holds only legal title to the interests granted by Borrower in ùlis Security Instrument, but, if necessary to comply Wiùl law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey Ùle Property and that Ùle Property is unencumbered, except for encwnbrances of record. Borrower warrants and will defend generally ùle title to the Property against all claims and demands, subject to any encumbrances of record, THIS SECURITY INSTRUMENT combines unifonn covenants for national use and non-uIlitt)J111 covenants WiÙl limited variations by jurisdiction to constitute a unifonn security instrument covering real property. ~ -6A(WY) (0005) @ Initials' ji U ~ --- Page30! 15 Form 3051 1/01 t 0698100619 "- '-'8' \_ . , ;,.i,','_"':', ' \iJ ~~~~'~"_:J'-~:' ~ ;' !I r;'" ¡"''r.') '.' ',I \. V { ,I.:' 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, Ùle debt evidenced by the Note and any prepayment charges and late charges due under Ùle Note, Borrower shall also pay funds for Escrow ftems pursuant to Section 3. Payments due under ùle Note and this Security Instrument shall be made in U,S, currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and ùlis Security Instrument be made in one or more of tlie following fonns, as selected by Lender: (a) cash; (b) money order; (c) certitied check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15, Lender may return any payment or partial payment if ùle payment or partial payments are insufticient to bring Ùle Loan current. Lender may accept any payment or partial payment insufficient to bring tIle Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, ùlen Lender need not pay interest on UflLlpplied funds, Lender lllay hold such unapplied fì.mds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasomble period of time, Lender shall eiùler apply such fllnds or return ùlem to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure, No otlset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under ùle Note and Ù1is Security Instnllnent or perfonning ùle covenants and agreements secured by ù1is Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under ùle Note; (c) amounts due under Section 3, Such payments shall be applied to each Periodic Payment in the order in which it became due, Any remaining <unounts shall be app1ied tÏrst to late charges, second to any oÙler amounts due under Ù1is Security Instrument, and then to reduce Ùle principal balance of the Note. If Lender receives a payment from Borrower for a de1inquent Periodic Payment which incJudes a sufticient <illlount to pay any late charge due, the payment may be applied to the delinquent payment and ùle late charge. If more Ùlan one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent Ulat any excess exists after ùle payment is applied to ùle fuJl payment of one or more Periodic Payments, such excess may be applied to any late charges due, Voluntary prepayments shall be applied first to any prepayment charges and ùlen as described in ùle Note, Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change Ùle amount, of ùle Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on ùle day Periodic Payments are due under the Note, until ùle Note is paid in fuJI, a sum (ùle "Funds ") to provide for payment of amounts due for: (a) taxes and assessments and oUler items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiullls for any and aJl insurance required by Lender under Section 5; and (d) Mortgage Insurance premiwllS, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with Ùle provisions of Section 10, These items are caJled "Escrow Items." At origination or at any time during Ùle term of Ùle Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section, Borrower shall pay Lender ùle Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or aJl Escrow Items at any time. Any such waiver may only be in writing, In ùle event of such waiver, Borrower shall pay directly, when and where payable, ùle amounts due for any Escrow Items for which payment of <a -6A(WY) (0005) ® Initials ..iLl) 7L:J Page 4 of 15 Form 3051 1/01 ~~ 0698100619 .1 ¡\scl (" n r,' t' ~ ') '.' ',!' U, J Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment wiÙ1În such time period as Lender may require, Borrower's obligation to make sllch payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as fue phrase "covenant and agreement" is used in Section 9, lf Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the <unount 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 (U11()Unt. 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, Ùlat are Ùlen required under this Section 3. Lender may, at any time, c01lect and hold Funds in an ,U1lOunt (a) sufficient to pennit Lender to apply the Funds at the time specitied under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instl1Jmentality, or entity (including Lender, if lender is an institution whose deposits are so insured) or in any Federal Home loan Bank, lender sha1l apply the Funds to pay the Escrow Items no later than the time specifìed under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying fue Escrow Items, unless lender pays Borrower interest on the Funds and Applicable Law pennits lender to make such a charge, Unless an agreement is made in writing or Applicable Law requires interest to be paid on Ùle Funds, lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and lender can agree in writing, however, Ùlat interest shall be paid on the Funds. lender shall give to Borrower, wiÙl0ut charge, an annual accounting of the Funds as required by RESP A. If there is a surplus of Funds held in escrow, as detined under RESPA, lender shall account to Borrower for Ùle 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 Ùl,1I1 12 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 detìciency in accordance with RESPA, but in no more Ùl,1I1 12 monthly payments, Upon payment in full of all sums secured by ùlÎs Security Instrument, Lender shall promptly refund to Borrower any Funds held by lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, tìnes, and impositions attributable to Ùle Property which can attain priority over this Security Instrument, leasehold payments or ground rents 011 the Property, if any, and Community Association Dues, Fees, and Assessments, if any, To Ùle extent that Ùlese 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 maImer acceptable to Lender, but only so long as Borrower is perfom1ing such agreement; (b) contests the lien in good faiÙ} by, or defends against enforcement of Ùle 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 fue holder of the lien an agreement satisfactory to lender subordinating the lien to this Security Instrument. If Lender detem1ines that any part of Ùle Property is subject to a lien which can attain priority over Ù1Îs Security Instrument, lender may give Borrower a notice identifying the lien, Within 10 ~ -6A(WY) (0005) ® ~í ' ~) Inilials: <'_' L'<.) / L.-<:/ Page 5 of 15 Form 3051 1/01 .. 0698100619 ,~.I _. ~__ "t; ¿; 8 ('~ ,J-~ (\ ........ ~l ,/.1 '.' ',) u U { <1 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan, 5, Property Insurance. Borrower shall keep the improvements DOW existing or hereafter ertTted on Úle Property insured against loss by fire, hazards included wiÚJin the term "extended coverage," and any other hazards including, but not limited to, earthquakes and tloods, for which Lender requires insurance, This insurance shall be maintained in Úle amounts (including deductible levels) and for Úle periods that Lender requires, What Lender requires pursuant to the preceding sentences can change during the teml of Úle Loan, The insurance carrier providing Úle insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably, Lender may require Borrower to pay, in connection WiÚl this Loan, eiÚler: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for !lood zone detenl1ination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such detennination or certification, Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any nood zone detemlination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense, Lender is under no obligation to purchase any particular type or amount of coverage, Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in ùle Property, or ùle contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges ùlat the cost of Ùle insurance coverage so obtained might signiticantly exceed Ùle cost of insurance ùlat Borrower could have obtained. Any amounts disbursed by Lender under ùJis Section 5 shall become additional debt of Borrower secured by ùJis Security Instrument. These amounts shall bear interest at ùle Note rate trom the date of disbursement and shall be payable, WiÙl such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shan name Lender as mortgagee and/or as an additional loss payee, Lender shall have the right to hold the policies and renewal certificates, If Lender requires, Borrower shall promptly give to Lender all receipts of paid prerniums and renewal notices, If Borrower obtains any fonn of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, ùle Property, such policy shall include a standard mortgage clause and shall néune Lender as mortgagee and/or as an additional loss payee, In the event of loss, Borrower shall give prompt notice to ùle insurance carrier and Lender. Lender may make proof of Joss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, wheùler or not Ùle underlying insurance was required by Lender, shall be applied to restoration or repair of Ùle Property, if ùle restoration or repair is economically feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have ùle right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure Úle work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for Ùle repairs and restoration in a single payment or in a series of progress payments as the work is completed, Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds, Fees for public adjusters, or other ù1Ìrd parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If ùle restoration or repair is not economically feasible or Lender's security would be lessened, ùle insurance proceeds shall be applied to «a -6A(WY) (0005) Œ> Page60115 Initials (-} t;J ~ Form 3051 1/01 . . 0698100619 / :~:~-' .:( r'§, _ \","'.: ¡} I..-.J ('. (~ r;' ~,~¡ t'-.~ r: '.' .-, u U , J the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2, If Borrower abandons the Property, Lender may tile, negotiate and settle any available insurance claim and re1ated matters, If Borrower does not respond wiù1in 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, ùlen 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 oÙlerwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed Úle amounts ulJpaid under Úle Note or this Security Instrument, and (1) any oÚler of Borrower's rights (other Úlan ùle right to any refund of unearned premiums paid by Borrower) under all insurance policies covering ùle Property, insofar as such rights are applicable to tlie coverage of ùle Property, Lender may use Úle insurance proceeds eWler to repair or restore the Property or to pay mnounts unpaid under Ùle Note or Ù1Ís Security Instrument, whether or not then due, 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after ùle execution of this Security Instrument and shall continue to occupy ¡he Property as Borrower's principal residence for at least one year after Ùle date of occupancy, unless Lender où¡erwise 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, dmnage or impair the Property, allow ùle Propèfty to deteriorate or commit waste on the Property. WheÚler or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent Úle Property from deteriorating or decreasing in value due to its condition, Unless it is detennined pursuant to Section 5 ùlat repair or restoration is not economical1y feasible, Borrower shal1 promptly repair the Property if damaged to avoid further deterioration or damage, If insurance or condemnation proceeds are paid in cOlmection with damage to, or the taking of, the Property, Borrower shal1 be responsible for repairing or restoring the Property only if Lender has released proceeds for such pUI1)oses, Lender may disburse proceeds for Úle repairs and restoration in a single payment or in a series of progress payments as the work is completed. If ùle insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for Úle completion of such repair or restoration, Lender or its agent may make reasonable entries upon and inspections of ùle Property, If it has reasonable cause, Lender may inspect the interior of the improvements on the Property, Lender shal1 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 Ùle direction of Borrower or WiÙl Borrower's knowledge or consent gave material1y false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material infonmttion) in connection with ùle Loan, Material representations include, but are not limited to, representations concerning Borrower's occupancy of ùle Property as Borrower's principal residence. 9. Protection of' Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding ùlat might significantly affect Lender's interest in the Property and/or rights under this Security Instillment (such as a proceeding in bankruptcy, probate, t()r condemnation or fÖrfeiture, for enforcement of a lien which may attain priority over Úlis Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, Úlen Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in ùle Propèfty and rights under this Security Instrument, including protecting and/or assessing Úle value of the Property, and securing and/or repairing the Property, Lender's actions can include, but are nut limited to: (a) paying any sums secured by it lien which has priority over this Security Instillment; (b) appearing in court; and (c) paying reasonable ~ -6A(WY) (0005) @ '1/( ') ;-1 Initials: (.k (VU Page 7 of 15 Form 3051 1/01 l 0698100619 c . -0-, .("\.\~-11~;ì -. 0\.J~ r: !Ì " !,~ "^, n '" ',: \. U { b attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding, Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9, Any amounts disbursed by Lender under ùlis Section 9 shall become additiomd debt of Borrower secured by this Security Instrument, These amounts shall bear interest at Ùle Note rate from the date of disbursement and shall be payable, WiÙl such interest, upon notice from Lender to Borrower requesting payment. If Ù1Ís Security Instrument is on a leasehold, Borrower shall comply WiÙl all the provisions of the lease, If Borrower acquires fee title to Ùle Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain Ùle Mortgage Insurance in effect. If, for any reason, Ùle Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay Ùle premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to Ùle cost to Borrower of the Mortgage Insurance previously in ellect, from an aHernate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve, Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in Ùle amount and for Ùle period Ùlat Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separattly designated payments toward the premiums for fvfortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward Ùle premiums for Mortgage Insurance, Borrower shal! pay Ùle premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such temlÍnation or until tennÌ1liltion is required by Applicable Law. Noùling in Ù1Ìs Section 10 affects Borrower's obligation to pay interest at Ùle rate provided in the Note, Mortgage Insurance reimburses Lender (or any entity Ùlat purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed, Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate Ùleir total risk on al! such insurance in force from time to time, and may enter into agreements with oÙler parties that share or modify their risk, or reduce losses, These agn-ements are on tenns and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of Ùle Note, another insurer, any reinsurer, any oÙler entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts ùwt derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying Ùle mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, Ùle arrangement is often termed "captive reinsurance, " Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements wil! not increase the amount Borrower wi!! owe for Mortgage Insurance, and they wi!! not entitle Borrower to any refund. ~ -6A(WY) (0005) @ f" .-/¡ InitiaIS:';,~Z""u Page 8 of 15 Form 3051 1/01 l 0698100619 (\~8 r n r' /-' ~', :"1 1.',)~ l,.." ¡ (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the ,Mortgage Insurance, to have the Mortgage Insurance terminated automatically, andlor to receive a refund of ~U1y Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All J\.fiscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is d;ul1aged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lemler shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly, Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed, Unless an agreement is made in writing or Applicablt Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds, If the restoration or repair is not economically feasible or Lender's security would be lessened, Ù1e Miscellaneous Proceeds shall be applied to the sums secured by ù1is Security Instrument, whether or not Úwn 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 Ú1e Property, the Ivfiscellaneous Proceeds shall be applied to the sums secured by Úlis Security Instrument, wheÚ1er or not Ú1en due, with the excess, if any, paid to Borrower. In Ú1e 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 Joss in vaJue is equal to or greater Úlan Ú1e amount of the sums secured by Ú1is Security Instrument immediately before Ú1e partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by Ú1Îs Security Instrument shall be reduced by Ù1e amount of Úle Miscellaneous Proceeds multiplied by the following fraction: (a) the total ;unount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of Ù1e 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 Ú1e Property immediately before Úle partial taking, destruction, or loss in value is less than the amount of Úle sums secured immediately betè)re 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 Ù1e Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in Ù1e 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 Ú1e notice is given, Lender is authorized to collect and apply Ú1e Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, wheÚ1er or not Úlen due, "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or Ú1e 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 fÖrfeiture of Ú1e Property or other material impainnent 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] 9, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes fortèJture of the Property or other material impaill1wnt of Lender's interest in Ùle Property or rights under this Security Instrument. The proceeds of any award or claim for damages Ú1at are attributable to Úle impairment of Lender's interest in Ùle 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. ca -6A(WY) (0005) ® Inilials,J ';;(J P21']è 9 of 15 Form 3051 1/01 ~ ~ 0698100619 ~~ \ntj·~""! 1·':;.:-' .v, '--J ;-..., ('\ 0'~ ~, n ,;uL'{ö - . .j -___-.;I.~.. " 12. Bon-ower Not Released; Forbeanmce By Lender Not a Waiver. Extension of the time for payment or modification of amortization of tile 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 Ùlird persons, entities or Successors in Interest of Borrower or in amounts less ùlan the amount ùlen due, shall not be a waiver of or preclude Ùle exercise of any right or remedy ~ 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees tilat Borrower's obligations and liability shall be joint and sevèfal. However, any Borrower who co-signs this Security Instrument but does not execute ùle Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in ùle Property under the terms of this Security Instrument; (b) is not personally obligated to pay ùle sums secured by this Security Instrument; and (c) agrees tilat Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to Ùle terms of ti1is Security Instrument or the Note without the co-signer's consent. Subject to Ùle provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under ùlÌs Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing, The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benetit Ùle successors and assigns of Lender. ]4. Loan Charges. Lender may charge Borrower fees for services perfonned in connection with Borrower's default, for Ùle purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees, In regard to any oùler fees, the absence of express aUùlOrity in this Security Instrument to charge a specitic fee to Borrower shall not be construed as a prohibition on Ùle charging of such fee. Lender may not charge fees tilat are expressly prohibited by ti1is Security Instrument or by Applicable Law, If the Loan is subject to a law which sets maximum loan charges, and that law is tinally interpreted so tilat the interest or other loan charges collected or to be collected in connection with Ùle Loan exceed the pennittedlimits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce tile charge to tile pennitted limit; and (b) any sums already collected from Borrower which exceeded pennitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under tile Note or by making a direct payment to Borrower. If a refund reduces principal, tile reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under tile Note), Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. ]5, Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security InstnUllent shall be deemed to have been given to Borrower when mailed by tirst class mail or when actually delivered to Borrower's notice address if sent by other means, Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise, The notice address shall be tile Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specities a procedure for reporting Borrower's change of address, then Borrower shall only report a change of addre~~s through that specitied procedure. There may be only one desigrmted notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by tirst class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection Witil this Security InstmI1lent shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instnunent is also required under Applicable Law, the Applicable Law requirement will satisfy tile corresponding requirement under this Security Instrument. tG -6A(WY) (0005) ® 1 ---------- Initials '" u) é t.--C) Page 10 of 15 Form 3051 1/01 \\ 0698100619 ,J f ~.~~ :~.~. ':fi ~~] 8 !~,' n "~ f' 9' ": ,,'v, .. 16. Governing Law; Severability; Rules of Construction, This Security Instnnnent shall be governed by federal law and the law of the jurisdiction in which Ùle Property is located, All rights and obligations contained in ùlÎs Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such siknce shall not be construed as a prohibition against agreement by contract. In Ùle event ùlat any provision or clause of this Security Instrument or the Note contlicts with Applicable Law, such connict shall not affect other provisions of ùlÎs Security Instrument or Ùle Note which can be given effect wiù10ut Ùle contlicting provision. As used in this Security Instnllnent: (a) words of the mascu]ine gender shall mean and include corresponding neuter words or words of Ule feminine gender; (b) words in the singular shall mean and include Ule pJural and vice versa; and (c) the word "may" gives sole discretion WiÙlOut any obligation to take any action. 17. Borrower's Copy. Borrower sball be given one copy of Ùle Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in Ùlis Section 18, "Interest in Ùle Property" means any legal or beneficial interest in Ùle Property, including, but not limited tn, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, ùle intent of which is Ùle transfer of title by Borrower at a future date to a purchaser. If all or any part of Ùle Property or any Interest in Ùle 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 Instmment. However, UlÎs option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration, The notice shall provide a period of not less U1an 30 days from the date the notice is given in accordance wiUI Section 15 wiùlÎn 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 pennitted 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 shaH have the right to have enforcement of this Security Instrument discontinued at any time prior to ù]e earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the temlination of Borrower's right to reinstate; or (c) entry of a judgment enforcing ù1is Security Instrwllent. Those conditions are that Borrower: (a) pays Lender all sums which ùlen would be due under ùlis 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 Ulis Security Instrument, including, but not limited to, reasonabJe attorneys' fees, property inspection and valuation fees, and other fees incurred fCJr the puqJose of protecting Lender's interest in Ú1e Property and rights under ùlÎs Security Instrument; and (d) takes such action as Lender may reasombly require to assure ùlat Lender's interest in ùle 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 Ùlat Borrower pay such reinstatement sums and expenses in one or more of the following fonns, 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 fedaal agency, instrwnentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shaH remain fully effective as if no acceleration had occurred. However, Ùlis right to reinstate shall not apply in Ùle 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 (togeùler WÎÙl ÚlÎs 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 ùle "Loan Servicer") that collects Periodic Payments due under the Note and UlÎs Security Instmment 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 ServiceI' unrelated to a sale of the Note, If there is a change of the Loan ServiceI', Borrower will be given written notice of the change which will state the name and address of ù1e new Loan ServiceI', Ule address to which payments should be made and any other infonnation RESPA requires in connection with a C -6A(WY) (0005) Œ> I 'I ,1Cd 7~ I nitla 5: <""_' { L-'U Page 11 of 15 Form 3051 1/01 ~ ~ '~.;, -r" ï"Ç--~i ~-) ~ -- \..J (:J l.J; 0698100619 " !~)t('QO' " ",·\"UV notice of transfer of servicing, If the Note is sold and thereafter Ù1e Loan is serviced by a Loan Servicer other Ù1an the purchaser of ù1e Note, ù1e mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser, Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from ù1e other party's actions pursuant to this Security Instrument or Ù1at alleges that the oilier party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the où1er party (with such notice given in compliance WiÙl the requirements of Section 15) of such alleged breach and afforded ù1e other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, tllat time period will be deemed to be reasonable for purposes of iliis paragraph, The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and Ù1e notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy Ù1e notice and opportunity to take corrective action provisions of ù1Îs Section 20, 21. Hazardous Substances. As used in ù1is Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and Ù1e tè)llowing substances: gasoline, kerosene, other flmnmable or toxic petroleLU1l products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fomlaldehyde, and radioactive materials; (b) "Environmental Law" means federallaws and laws of Ùle jurisdiction where the Property is located Ùlat relate to healùl, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as detìned in Environmental Law; and (d) an "Environmental Condition" means a condition Ùlat can cause, contribute to, or oÙlerwise trigger an Environmental Cleanup. Borrower shall not cause or pem1it ù1e presence, use, disposal, storage, or release of any Hazardous Substances, or Ù1reaten to release any Hazardous Substances, on or in ùle Property, Borrower shall not do, nor allow anyone else to do, anyù1ing affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on Ù1e Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to nonnal residential uses and to maintenance of ù1e Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving Ùle Property and any Hazardous Substance or Environmental Law of which Borrower has actual kllow1edge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by Ù1e presence, use or release of a Hazardous Substance which adversely affects the value of the Property, If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, Ù1at any removal or other remediation of any Hazardous Substance affecting Ù1e Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law, Noiliing herein shall create any obligation on Lender for an Environmental Cleanup_ ca -6A(WY) (0005) @ l' ) Initials: .... LA.. '¡Cj Page 12 of 15 Form 3051 1/01 ~. " 0698100619 ,.;,¡- \f)[) (~â 1 "~ : "-_/ ---- (~. :\ r~':~ (ì ~ " ',: i,' GÖ.1 NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not priur to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. It' the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may in\Oke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of s¡ùe, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, hut not limited to, reasonable attorneys' fees; (b) to ¡ùl sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release Ù1is Security Instrument. Borrower shall pay any recordation costs, Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a Ùlird party for services rendered and the charging of the fee is pemlitled under Applicable Law, 24. \Vaivers. Borrower releases and waives all rights under and by virtue of ù1e homestead exemption laws of Wyoming. <a -6A(WY) (0005) ® Page 13 of 15 "1l) ~ J Imtials: '.", I., - /¿-(../ Form 3051 1/01 , ~ 0698100619 l. ",' ('3 lS ('~ (\ (1 <~ r) y. .~. '\,; \.' LJ f~) i.';" BY SIGNING BELOW, Borrower accepts and agrees to the ten11S and covenants contained 111 this Security Instnunent and in any Rider executed by Borrower and recorded with it. Witnesses: (~_,/Í~rZoc (¡}lCL'L Ct (UILL' L( (-lflZCc (t )/(:1 Q, TINA MARIE WHITE AKA TINA ¡VElTE /1 V/\ (Seal) -Borrower 4~«¿// ~ENTON WHITE - (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) - Borrower (Seal) (Seal) ,Borrower ,Borrower Q-SA(WY) (0005) @ Page 14 of 15 Form 3051 1/01 ~ ~ 0698100619 -} '~/~_:_~ ,~~~_ E¡ 1\ ,f1 ;~ n I') ,:Lu(J.) ST A TE OF ,"VYOl\HNG, Lincoln County ss: The foregoing instrument was acknowledged before me Ùlis 8th day of November, 2005 by TINA MARIE WHITE AKA TINA ìVHITE and TRENTON WHITE My Commission Expires: 9-15-07 N~~rV /,¡. Ã1J~ GLORIA K. BYERS. NOTA;(¡,USLlC' C~unty of {~ State of M Lincoln ~"fÞ} Wyoming ~ - - y Commlssfon Expires Sept. 15, 2007 cD -6A{WY) (0005) ® Initials: j Cd ?ZJ Page 15 of 15 Form 3051 1/01 .- ~-¡.C'-';'i,'-:·'i~J " <JC2ilå SCHEDULE A r' I~\ f"1 l,,\ rl " . '~, '1 '~J lj A portion of the SWI,4NW% of Section 12, T34N R119W of the 6th P.M., Lincoln County, Wyoming, being more particularly described as foIIows: BEGINNING at a point in the west line of said SW % NW 1,4, said point being a Cotton Gin Spike set 214.50 feet S 0°47'42" W from the Northwest corner of said SW1,4NW%; thence S 88°53'59" E, 528.00 feet to an Iron Pipe Set; thence S 0°47'42" W, 165.00 feet to an Iron Pipe set; thence N 88°53'59" W, 528.00 feet to a Cotton Gin Spike set in said west line; thence N 0°47'42" E, 165.00 feet to the POINT OF BEGINNING. ~ ~