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After Recording Return To:
RECEIVED 11/22/2005 a14:03 PM
RECEIVING # 913943
BOOK: 605 PAGE: 646
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
GMAC Mortgage Corp.
100 Witmer Road
Horsham, PA 19044-0963
ATTN: Records Management
(Space Above This Line For Recording DataJ
LOlln No. 589333806
MIN 1000375-0589333806-4
MORTGAGE
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined
in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this
document are also provided in Section 16.
(A) "Security Instrument" means this document, which is dated November 17,
2005 ,together with all Riders to this document.
(B) "Borrower" is
Martin J. Werner and Stacy A. Werner, husband and wife
Borrower is the mortgagor under this Security Instnnnent.
(C) "lVIERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate
corporation that is acting soJely as a nominee for Lender and Lender's successors and assigns.
,MERS is the mortgagee under this Security Instrument. MERS 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.
\VY OMING .. Single Family.. Fannie Mao/Freddie Mac
UNIFORM IN5TRUMENT Form 3051 1/01 .....¿, "I ~\
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(D) "Lender" is
GMAC Mortgage Corporation
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Lender is a Corporation
laws of Pennsylvania
100 Witmer Road, P.O. Box 963, Horsham, PA
organized and existing under the
. Lender's address is
19044
(E) "Note" means the promissory note signed by Borrower and dated November 17,
2005 . The Note states that Borrower owes Lender
One Hundred Forty Five Thousand and 00/100
Dollars (U.S. $ 145,000.00 ) 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, 2020
(F) "Property" means the property that is described below under the headillg "Transfer of
Rights in the Property."
(G) "Loan" means the debt evidenced by the Note, plus interest, any prepaymellt charges
and late charges due under the Note, and all sums due under this Security Instrument, plus
interest.
(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower.
The following Riders are to be executed by Borrower [check box as applicable]:
D
o
o
Adjustable Rllte Rider
Balloon Rider
Other(s) [specify]
D Condominium Rider D
o Biweekly Payment Rider 0
o Planned Unit Development Rider
Second Home Rider
1-4 Family Rider
(1) "Applicable Law" means all controlling applicable federal, state and local statutes,
regulations, ordinances and administrative rules and orders (that have the effect of law) as well
as all applicable tinal, non-appealable judicial opinions.
(J) "Community Association Dues, Fees, and Assessments" means all dues, fees,
assessments and other charges that are imposed on Borrower or the Property by a condominium
association, homeowners association or similar organization.
(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction
originated by check, draft, or similar paper instrument, which is initiated through an electronic
terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize
a tinancial institution to debit or credit an account. Such term includes, but is not linùted to,
point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone,
wire transfers, and automated clearinghouse transfers.
(L) "Escrow Items" means those items that are described in Section 3.
~1) "Miscellaneous Proceeds" means any compensation, settlement, award of darnages, or
proceeds paid by any third party (other than insurance proceeds paid under the coverages
described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or
other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv)
misrepresentations of, or onùssions as to, the value and/or condition of the Property.
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(N) ":Mortgage Insurance" means insurance protecting Lender against the nonpayment of,
or default on, the Loan.
(0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and
interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument.
(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.s. C. §2601 et seq.)
and its implementing regulation, Regulation X (24 C.F .R. Part 3500), as they might be
amended from time to time, or any additional or successor legislation or regulation that governs
the same subject matter. As used in this Security Instrument, "RESP A" 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.
(Q) "Successor in Interest of Borrower" means any party that has taken title to the
Property, whether or not that party has assumed Borrower's obligations under the Note andlor
this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals,
extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and
agreements under this Security Instrument and the Note. For this purpose, Borrower does
hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's
successors and assigns) and to the successors and assigns of MERS, with power of sale, the
following described property located in the County
[Type of Recording Jurisdiction]
of Lincoln
[Nmne of Recording Jurisdiction]
SEE SCHEDULE "A" ATTACHED HERETO AND MADE A PART HEREOF.
which currently has the address of
2005 Aspen Springs Road,
[Street]
Kemmerer , Wyoming 83101 (" Property Address "):
[City] {Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and
all easements, appurtenances, and fixtures now or hereafter a part of the propaty. 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 understands and
agrees that MERS hoJcls OIÙY legal title to the interests granted by Borrower Ül this Security
Instrument, but, if necessary to comply witlllaw or custom, MERS (as nominee for Lenùer and
Lender's successors and assigns) has the right: to exercise any or all of those interests,
including, but not limited to, tlle right to foreclose and sell the Property; and to take any action
required of Lender including, but not limi ted to, releasing and canceling this Security
Instrument.
WYOMIN. G -- SinglePamily -- Pannie Mae/Preddie Mac UNIPORM INSTRUMENT Form 3051 1101 Æ/¡'! è,),
GMACM - CMS.OU42.\VY (0001) (Page 3 of 18) Initials: ~L
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BORROWER COVENANTS that Borrower is lawfully seised of tile estate hereby
conveyed and has the right to mortgage, grant and convey tile Property and that tile Property is
unencumbered, except for encumbrances of record. Borrower warrants and will defend
generally tile title to tlle Property against all claims and demands, subject to any encumbrances
of record.
THIS SECURITY INSTRUMENT combines múfonn covenants for national use and
non-uniform covenants with limited variations by jurisdiction to constitute a uniform security
instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late
Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by
tile Note and any prepayment charges and late charges due under the Note. Borrower shall also
pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this
Security Instnunent shall be made in U.S. currency. However, if any check or otIler 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 this
Security Instrument be ¡nade in one or more of the fullowing forms, 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 otller location as may be desigll1l1ed by Lender in accordance witIl the notice
provisions in Section 15. Lender may return any payment or partial payment if the payment or
partial payments are insufticient to bring the Loan current. Lender may accept any payment or
partial payment insufticient to bring tile Loan current, witllOut waiver of any rights hereunder or
prejudice to its rights to refuse such payment or partial payments in the future, but Lender i.s 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, tIlen Lender need not pay interest on unapplied
funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan
current. If Borrower does not do so witlún a reasonllble period of time, Lender shall either
apply such funds or return them to Borrower. If not applied earlier, such funds will be applied
to the outstanding principal balance under tlle Note immediately prior to foreclosure. No offset
or claim which Borrower might have now or in tile future against Lender shall relieve Borrower
from making payments due under the Note and tIús Security Instrument or perfornúng tile
covenants and agreements secured by tIlÌs 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 tlIe following order
of priority: (a) interest due under the Note; (b) principal due under the 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 remaÌIúng amounts shall be applied first to late charges, second to allY other
amounts due under tIlÍs Security Instrument, and tllen to reduce the principal balance of the
Note.
LOAN NO: 589333806
\VYOlYIING ,- Single Family -- Famie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01
GMACM - CMS.0042.WY (0001) (Page 4 of 18) In.itit,ls:
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If Lender receives a payment from Borrower for a delinquent Periodic Payment which
includes a sut1ïcient amount to pay any late charge due, the payment may be applied to the
delinquent payment and the late charge. If more than one Periodic Payment is outstanding,
Lender may apply any payment received from Borrower to the repayment of the Periodic
Payments if, and to the extent that, each payment can be paid in full. To the extent that any
excess exists after the payment is applied to the full payment of one or more Periodic Payments,
such excess may be applied to any late charges due. Voluntary prepayments shall be applied
first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to
principal due under the Note shall not extend or postpone the due date, or change the amount, of
the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic
Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide
for payment of amounts due for: (a) taxes and assessments and other items which can attain
priority over this Security Instmment as a lien or encumbrance on the Property; (b) leasehold
payments or ground rents on the Property, if any; (c) premiums for any and all insurance
required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums
payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in
accordance with the provisions of Section 10. These items are called "Escrow Items," At
origination or at any time during the term of tile Loan, Lender may require that Conununity
Association Dues, Fees and Assessments, jf 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 ti1Ïs Section. Borrower shall pay Lender the Funds for Escrow
Items unless Lender wai ves Borrower's obligation to pay tile Funds for any or aJl Escrow Items.
Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at
any time. Any such waiver may only be in writing. In the event of such waiver, Bouower shall
pay directly, when and where payable, tile amounts due for any Escrow Items for which
payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender
receipts evidencing such payment within such time period as Lender may require. Borrower's
obligation to make such payments and to provide receipts shall for all purposes be deemed to be
a covenant and agreement contained in tilis Security Instrument, as the phrase "covenant and
agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly,
pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may
exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated
under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any
or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such
revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are tilen required
under this Section 3. .
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit
Lender to apply tile Funds at tile time specitied under RESPA, and (b) not to exceed the
maximum amount a lender can require under RESP A. Lender shall estimate the amount of
Funds due on tile basis of current data and reasonable estimates of expenditures of future Escrow
Items or otilerwise in accordance Witil Applicable Law.
LOAN NO: 589333806
\VYOMING n Single Family n Famie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01
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The Funds shall be held in an institution whose deposits are insured by a federal
agency, instrumentality, or enti ty (including Lender, if Lender is an institution whose deposits
are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the
Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower
for holding and applying the Funds, annually analyzing the escrow account, or verifying the
Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits
Lender to make such a charge. Unless an agreement is made in writing or Applicable Law
reqnires interest to be paid on the Funds, Lender shall not be required to pay Borrower any
interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that
interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual
accounting of the Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESP A, Lender shall
account to Borrower for the excess funds in accordance with RESP A. If Ù1ere is a shortage of
Funds held in escrow, as deíÏned under RESP A, Leuder shall notify Borrower as required by
RESPA, and Borrower shall pay to Lender ùle amount necessary to make up the shortage in
accordance with RESPA, but in no more Ùlan 12 monùl1y payments. If there is a deficiency
of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by
RESP A, and Borrower shall pay to Lender Ùle amount necessary to make up the deficiency in
accordance with RESPA, but in no more than 12 monùlly payments.
Upon payment in full of all sums secured by ù1Ís Security Instrument, Lender shall
promptly refund to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and
impositions attributable to the Property which can attain priority over this Security Instnnnent,
leasehold payments or ground rents on the Property, if any, and Community Association Dues,
Fees, and Assessments, if any. To the extent Ù1at these items are Escrow Items, Borrower shall
pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security
Instmment UIÙess Bórrower: (a) agrees in writing to the payment of the obligation secured by
ùle lien in a manner acceptable to Lender, bnt only so 101lg as Borrower is performing such
agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in,
legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while
those proceedings are pending, but only until such proceedings are concluded; Or (c) secures
from the holder of the lien an agreement satisfactory to Lender subordinating the lien to ùlÍs
Security Instrument. If Lender determines Ù1at any part of the Property is subject to a lien
which can attain priority over this Security Instrument, Lender may give Borrower a notice
identifying the lien. Wiù1Ín 10 days of the date on which that notice is given, Borrower shall
satisfy the lien or take one or more of the actions set forÙl above in this Section 4.
Lender 1lläY require Borrower to pay a one-time charge for a real estate tax verification
and/or reporting service used by Lender in connection with ùlis Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or
hereafter erected on the Property insured against loss by tire, hazards included wiù1Ïn the term
"extended coverage," and any oÙ1er hazards including, but not limited to, earthquakes and
floods, for which Lender requires insurance. This insurance shall be lnaintained in the amounts
\VYOJ\lING -- Sin¡¡1é Pamily -- Palau. Ma./Pr.ddi. Mac UNIFORM INSTRUMENT Form 3051 1/01
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(including deductible levels) and for the periods that Lender requires. What Lender requires
pursuant to the preceding sentences can change during the term of the Loan. The insurance
carrier providing the insurance shall be chosen by Borrower subject to Lender's right to
disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may
require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for f100d
zone determination, certification and tracking services; or (b) a one-time charge for Hood zone
determination and certitication services and subsequent charges each time remappings or similar
changes occur which reasonably might affect such determination or certitication. 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 Hood zone determination resulting from an
objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain
insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation
to purchase any particular type or amount of coverage. Therefore, such coverage shall cover
Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the
contents of the Property, against any risk, hazard or liability and might provide greater or lesser
coverage than was previously in effect. Borrower acknowledges that the cost of the insurance
coverage so obtained might significantly exceed the cost of insurance that Borrower could have
obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt
of Borrower secured by tl1Ís Security Instrument. These amounts shall bear interest at the Note
rate from the date of disbursement and shall be payable, Witllsuch interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject
to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall
name Lender as mortgagee andlor as an additional loss payee. Lender shall have the right to
hold tlle policies and renewal certificates. If Lender requires, Borrower shall promptly give to
Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of
insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the
Property, such policy shall include a standard mortgage clause and shall name Lender as
mortgagee andlor as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and
Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and
Borrower otllerwise agree in writing, any insurance proceeds, whetller or not tlle underlying
insurance was required by Lender, 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, Lender shall have the right to hold such insurance proceeds until
Lender has had an opportunity to inspect such Property to ensure the work has been completed
to Lender's satisfaction, provided tllat such inspection shall be undertaken promptly. Lender
may disburse proceeds for tlle repairs and restoration in a single payment or in a series of
progress payments as tlle work is completed. Urness 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,
LOAN NO: 589333806
WYOI\HNG .. SUlg1e Pamily" Pannie Mae/Preddie Mac UNJPORM INSTRUMENT Form 3051 1/01
GMACM - CMS.0042.\VY (0001) (Page 7 of 18)
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or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and
shall be the sole obligation of Borrower. If Ûle restoration or repair is not economically feasible
or Lender's security would be lessened, the insurance proceeds shall be applied to the sums
secured by this Security Instrument, whether or not then due, with the excess, if any, paid to
Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available
insurance claim and related mattt:rs. If Borrower does not respond within 30 days to a notice
from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate
and settle the claim. The 30-day period will begin when the notice is given. In eitiler event, or
if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to
Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed tile amounts
unpaid under tile Note or this Security Instrument, and (b) any other of Borrower's rights (otiler
than tile right to any refund of unearned premiums paid by Borrower) under all insurance
policies covering the Property, insofar as such rights are applicable to tile coverage of the
Property. Lender may use the insurance proceeds either to repair or restore the Property or to
pay amounts unpaid under the Note or this Security Instrument, whetiler or not tilen due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's
principal residence within 60 days after ûle execution of ti1Ís Security Instrument and shall
continue to occupy the Property as Borrower's principal residence for at least one year after the
date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be
unreasonably withheld, or unless extenuating circumstances exist which arc: beyond Borrower's
control.
7. Preservation, Maintenance and Protection of the Property; Inspections.
Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or
commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower
shall maintain the Property in order to prevent the Property from deteriorating or decreasing in
value due to its condition. Unless it is determined pursuant to Section 5 that repair or
restoration is not economically feasible, Borrower shall promptly repair the Property if dalnaged
to avoid furOler deterioration or damage. If insurance or condenmation proceeds are paid in
connection with damage to, or the taking of, Ole Property, Borrower shall be responsible for
repairing or restoring tile Property OIÙY if Lender has released proceeds for such purposes.
Lender may disburse proceeds for tile repairs and restoration in a single payment or in a series of
progress payments as the work is completed. If tile insurance or condemnation proceeds are not
sufticient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for
tile completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property.
If it has reasonable cause, Lender may inspect Ole interior of tile improvements on the Property.
Lender shall give Borrower notice at Ole time of or prior to such an interior inspection
specifying sllch reasonable cause.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan
application process, Borrower or any persons or entities acting at the direction of Borrower or
with Borrower's knowledge or consent gave materially false, misleading, or inaccurate
information or statements to Lender (or failed to provide Lender with material information) in
GMACM - CMS.0042.WY (0001) (Page 8 of 18)
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connection with the Loan. Material representations include, but are not limited to,
representations conceming Borrower's occupancy of the Property as Borrower's principal
residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security
Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this
Security Instrument, (b) there is a legal proceeding that might signiticantly affect Lender's
interest in the Property and/or rights under this Security Instrument (such as a proceeding in
bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain
pIiority over tilis Security Instrument or to enforce laws or regulations), or (c) Borrower has
abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate
to protect Lender's interest in the Property and rights under this Security Instrument, including
protecting andlor assessing tile value of the Property, and securing and/or repairing the
Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a
lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying
reasonable attorneys' fees to protect its interest in [he Property andlor 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 nUlke 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 turnecl 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 tilis Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of
Borrower secured by tilis Security Instnllllent. These amounts shall bear interest at tile Note rate
from the date of disbursement and shall be payable, Witil such interest, upon notice from Lender
to Borrower requesting payment.
If tilis Security Instnunent is on a leasehold, Borrower shall comply with all tile
provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee
title shall not merge mùess Lender agrees to tile merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
making the Loan, Borrower shall pay tile premiums required to maintain tile Mortgage Insurance
in effect. If, for any reason, tile Mortgage Insurance coverage required by Lender ceases to be
available from tile mortgage insurer tilat previously provided such insurance and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance,
Borrower shall pay tile premiums required to obtain coverage substantially equivalent to the
Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to
Borrower of tile Mortgage Insurance previously in effect, from an alternate mortgage insurer
selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,
Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when tile 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 tilat tile 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 the
GJ\IACJ\J - CMS.0042. WY (0001) (Page 9 of 18)
LOAN NO: 589333806
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amount and for the period that Lender requires) provided by an insurer selected by Lender again
becomes available, is obtained, and Lender requires separately designated payments toward the
premiums for Mortgage Insurance, If Lender required Mortgage Insurance as a condition of
making the Loan and Borrower was required to make separately designated payments toward the
premiums for Mortgage Insurance, Borrower shal! pay the premiums required to maintain
Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until the Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between
Borrower and Lender providing for such termination or until termination is required by
Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the
rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for
certain losses it may incur if Borrower does not repay ùle Loan as agreed. Borrower is not a
party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force ÌÌom time to
time, and may enter into agreements with other parties that share or modify their risk, or reduce
losses. These agreements are on terms and conditions ùlat 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 tÌ'um Mortgage Insurance premiums).
As a result of these agreements, Lender, any purchaser of ùle Note, another insurer,
any reinsurer, any other entity, or any affiliate of auy of ùle foregoing, may receive (directly or
indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's
payments for Mortgage Insurance, in exchange for sharing or modifying the 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 ùle prenùums paid to the insurer, the 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 will not
increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle
Borrower to any refund.
(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 l\fortgage Insurance terminated
automatically, andlor to receive a refund of any Mortgage Insurance premiums that were
unearned at the time of such cancellation or termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds
are hereby assigned to and shall be paid to Lender.
\VYOJ\-IING .. SiJ¡¡¡Ie PlUnily '. PlUwe Mae/Preddie Mac UN1PORM INSTRUMENT Form 3051 1/01 -/ \
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If the Property is damaged, such ]'vliscellaneous Proceeds shall be applied to restoration
or repair of Ole Property, if the restoration or repair is economically feasible and Lender's
security is not lessened. During such repair and restoration period, Lender shall have Ole right
to hold such Miscellaneous Proceeds uutil 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 Ole work is completed. Unless an
agreement is made in writing or Applicable 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 Ole restoration or repair is not economically feasible or
Lender's security would be lessened, the lvliscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument, whether or not then due, with Ole excess, if any, paid to
Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2.
In Ole event of a total taking, destruction, or loss in value of the Property, the
Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
wheOler or not then due, with Ole excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of Ole Property in which
the fair market value of the Property immediately before the partial taking, destruction, or loss
in value is equal to or greater than Ole amount of the sums secured by this Security InstIllment
immediately before Ole partial taking, destruction, or loss in value, mùess Borrower and Lender
otherwise agree in writing, Ole sums secured by Olis Security Instrument shall be reduced by the
amount of Ole Miscellaneous Proceeds multiplied by Ole following fraction: (a) Ole total amount
of fue SUlns secured immediately before fue partial taking, destruction, or loss in value divided
by (b) fue fair market value of Ole Property inunediately before the partial taking, destmction, or
loss in value. Any balance shall be paid to Borrower.
In fue event of a partial taking, destmction, or loss in value of Ole Property in which
Ole fair market value of the Property immediately before the partial taking, destruction, or loss
in value is less than the amount of the sums secured immediately before the partial taking,
destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the
Miscellaneous Proceeds shall be applied to fue sums secured by this Security InstIllment whether
or not the sums are Olen due.
If the Property is abandoned by BOITower, or if, after notice by Lender to Borrower
that Ole Opposing Party (as defined in Ole next sentence) offers to make an award to settle a
claim for damages, Borrower fails to respond to Lender wiOlin 30 days after Ole date Ole notice
is given, Lender is authorized to collect and apply fue Miscellaneous Proceeds either to
restoration or repair of the Property or to the sums secured by this Security Instrument, whether
or not then due. "Opposing Party" means fue third party that owes Borrower Miscellaneous
Proceeds or Ole party against whom Borrower has a right of action in regard to Miscellaneous
Proceeds.
LOAN NO: 589333806
\VYOlYIING -- Sing!< Pamily '. ParulÍ< Mae/Pr<ddi< Mac UNIFORM IN,TRUMENT FOI'nJ 3051 1/01
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Borrower shall be in default if any action or proceeding, wheUler civil or crimina], is
begun that, in Lender's judgment, could result in forfeiture of Ule Property or oUl~r material
impairment of Lender's interest in the Property or rights under Ulis Security Instrument.
Borrower can cure sllch a default and, if acceleration has occurred, reinstate as provided in
Section 19, by causing the action or proceeding to be dismissed with a ru]ing that, in Lender's
judgment, precludes forfeiture of the Property or other material impairment of Lender's interest
in Ule Property or rights under this Security Instrument. The proceeds of any award or claim for
damages that are attributable to Ule impairment of Lender's interest in the Property are hereby
assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of Ule Property
shall be applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of
Ule time for payment or lUoditication of amortization of Ule sums secured by UlÍs Security
Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not
operate to release Ule 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 oUlèfwise modify amortization of tile sums secured by
UlÍs 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 rigllt or
remedy including, WiUlOut limitation, Lender's acceptance of payments from Ulird persons,
entities or Successors in Interest of Borrower or in amounts less tilan tile amount then due, shall
not be a waiver of or preclude the exercise of any right or remedy.
13. Joint and Several Liability; Co-signers; Successors and Assigns Bound.
Borrower covenants and agrees that Borrower's obligations aud liability shall be joint and
several. However, any Borrower who co-signs UlÍs Security Instrument but docs not execute the
Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and
convey tile co-signer's interest in Ule Property under tile terms of UlÍs Security Instrument; (b) is
not personally obligated to pay tile slims secured by this Security Instrument; and (c) agrees that
Lender and any other Borrower can agree to extend, modify, forbear or make any
accommodations WWI regard to tile terms of UlÍs Security Instrument or the Note without the
co-signer's consent.
Subject to Uw provisions of Section 18, any Successor in Interest of Borrower who
assumes Borrower's obligations under this Security Instrument in writing, and is approved by
Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument.
Borrower shall not be released from Borrower's obligations and liability under this Security
Instrument uIÙess Lender agrees to such release in writing. The covenants and agreements of
UlÍs Security Instrument shall bind (except as provided in Section 20) and benefit Ule successors
and assigns 0 f Lender.
WYOJ\HNG -- Single Family -- Fannie Mae/Freddie Mac UNIFORM IN~;TRUMENT Form 3051 1/01
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14. Loan Charges. Lender may charge Borrower fees for services performed in
connection with Borrower's default, for the purpose of protecting Lender's interest in the
Property and rights under this Security Instrument, including, but not limited to, attorneys' fees,
property inspection and valuation fees. In regard to any other fees, the absence of express
authority in iliis Security Instrument to charge a specitic fee to Borrower shall not be construed
as a prohibition on the charging of such fee. Lender Illay not charge fees that are expressly
prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maxi III U III loan charges, and that law is finally
interpreted so that the interest or other loan charges collected or to be collected in connection
with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the
amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected
from Borrower which exceeded permitted 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, the reduction will be treated as a partial
prepayment witi10ut any prepayment charge (whetiler or not a prepayment charge is provided for
under the 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 arisiug out of such
overcharge.
15. 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
Instrument shall be deemed to have been given to Borrower when mailed by first 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 the Property Address unless Borrower has designltted a
substitute notice address by notice to Lender. Borrower shall promptly notify Lender of
Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change
of address, then Borrower shall O1Ùy report a change of address ilirough that specitied
procedure. There may be only one designated notice address under ti1Ìs Security Instmment at
anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first
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 Instrument shall not be deemed
to have been given to Lender until actually received by Lender. If any notice required by this
Security Instrument is also required under Applicable Law, tile Applicable Law requirement will
satisfy tile corresponding requirement under this Security Instrument.
16. Goyerning Law; Seyerability; Rules of Construction. This Security Instrument
shall be governed by federal law and ilie law of ilie jurisdiction in which the Property is located.
All rights and obligations contained in this 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 silence shall not be construed as a
LOAN NO: 589333806
\VY01VlING -- Single Family u Famie Mae/Freddie Mac UNIFORI,! INSTRUMENT Form 3051 1/01 // ~
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prohibition against agreement by contract. In the event that any provIsIOn or clause of this
Security Instrument or the Note conflicts with Applicable Law, such conniet shall not affect
other provisions of this Security Instrument or the Note which can be given effect without the
cont1icting provision.
As used in tiÜs Security Instrument: (a) words of the masculine gender shall mean and
include corresponding neuter words or words of tile feminine gender; (b) words in tile singular
shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion
without any obligation to take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this
Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this
Section 18, "Interest in tile Property" means any legal or beneficial interest in tlle Property,
including, but not limited to, those beneficial interests transferred in a bond for deed, cuntract
for deed, installment sales contract or escrow agreement, the intent of which is the transfer of
title by Borrower at a future date to a purchaser.
If all or any part of tile Property or any Interest in the Property is sold or transferred
(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or
transferred) without Lender's prior written consent, Lender may require immediate payment in
full of all sums secured by tlIis Security Instrument. However, tl1Ïs 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 tilan 30 days from tile date the notice is given in
accordance Witll Sectioll 15 within which Borrower must pay all sums secured by this Security
Instrument. If Borrower fails to pay these Slllns prior to tlle expiration of this period, Lender
may invoke any remedies permitted by this Security Instrument without further notice or delliand
on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain
conditions, Borrower shall have the right to have enforcement of this Security Instrument
discontinued at any time prior to tile earliest of: (a) tive days before sale of the Property
pursuant to any power of sale contained in this Security Instrument; (b) such otller period as
Applicable Law might specify for the termiuation of Borrower's right to reinstate; or (c) entry of
a judgment enforcing tl1Ïs Security Instrument. Those conditions are that Borrower: (a) pays
Lender all sums which then would be due under tllis Security Instrument and tile Note as if no
acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays
all expenses incurred in enforcing this Security Instrument, including, but not limited to,
reasonable attorneys' fees, property inspection and valuation fees, and otller fees incurred for the
purpose of protecting Lender's interest in tlle Property and rights under this Security Instrument;
and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the
Property and rights under tl1Ïs Security Instrument, and Borrower's obligation to pay tlle sums
secured by this Security Instrument, shall continue unchanged. Lender lllay require that
Borrower pay such reinstatement sllms and expenses in one or more of the following forms, 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) ElectrOlùc Funds Transfer.
\VYO¡VIING -- SUJgie Fanúly -, Pamie Mae/Freddie Mac UNIFORM INSlRUMENT Form 3051 1/01 _¿ / (\
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Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall
remain fully effective as if no acceleration had occurred. However, this right to reinstate shall
not apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a
partial interest in the Note (together with this Security Instrument) can be sold aile or more
times without prior notice to Borrower. A sale might result in a change in the entity (known as
the "Loan Servicer") that coHects Periodic Payments due under the Note and this Security
Instrument and performs other mortgage loan servicing obligations under the Note, this Security
Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer
unrelated to a sale of ùle Note. If there is a change of the Loan Servicer, Borrower will be
given written notice of the change which will state the name and address of the new Loan
Servicer, the address to which payments should be made and any other information RESPA
requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter
the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the 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 the other party's
actions pursuant to this Security Instrument or that alleges that the oÙler party has breached any
provision of, or any duty owed by reason of, this Security Instrument, until slIch Borrower or
Lender has notified the oÙler party (with such notice given in compliance with the requirements
of Section 15) of such alleged breach and afforded the other party hereto a reasoll4ble 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, Ùwt time period will be deemed to
be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure
given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower
pursuant to Section 18 shaH be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances"
are those substances defined as toxic or hazardous substances, pollutants, or wastes by
Environmental Law and the following substances: gasoline, kerosene, other t1ammable or toxic
petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing
asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal
laws and laws of the jurisdiction where the Property is located that relate to healùl, safety or
environmental protection; (c) "Environmental Cleanup" includes any response action, remedial
action, or removal action, as detïned in Environmental Law; and (d) an "Environmental
Condition" means a condition tJlat can cause, contribute to, or otherwise trigger an
Enviromnental Cleanup.
Borrower shall not cause or permit tJle presence, use, disposal, storage, or release of any
Hazardous Substances, or tJueaten to release any Hazardous Substances, on or in the Property.
Borrower shall not do, nor allow anyone else to do, anyù1Íng affecting Ùle Property (a) Ùlat is in
violation of any Enviromnental Law, (b) which creates an Environmental Condition, or (c)
which, due to tJle presence, use, or release of a Hazardous Substance, creates a condition that
LOAN NO: 589333806
\VYOMING .. Single Pamily n Pamue Mae/Preddie Mac UNIFORM INSTRUMENT Form 3051 1/01 . / '
GMACM - CMS,0042.\VY (0001) (Page 15 of 18) Initials: :1'r(1 ~\
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adversely affects the value of the Propèrty. The preceding two sentences shall not apply to the
presence, use, or storage on the Property of sllJall quantities of Hazardous Substances that are
generally recognized to be appropriate to normal residential uses and to maintenance of the
Property (including, but lIOt limi ted to, hazardous substances in consumer products).
Borrower shall promptly give Lender written lIotice of (a) any investigation, claim,
demand, lawsuit or other action by any governmental or regulatory agency or private party
involving the Property and any Hazardous Substance or Environmental Law of which Borrower
has actual knowledge, (b) any Environmental Condition, including but not limited to, any
spilling, leaking, discharge, release or ùneat of rdease of any Hazardous Substance, and (c) any
condition caused by the presence, use or release of a Hazardous Substance which adversely
affects ùle value of the Property. If Borrower learns, or is notified by any governmental or
regulatory authority, or any private party, that any removal or other remediation of any
Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all
necessary remedial actions in accordance with Environmental Law. Noù1Ìng herein shall create
any obligation on Lender for an Environmental Cleanup.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as
follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to
acceleration following Borrower's breach of any covenant or agreement in this Security
Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides
otherwise). The notice shall specify: (a) the default; (h) the action required to cure the
default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by
which the default must be cured; and (d) that failure to cure the default on or before the
date specified in the notice may result in acceleration of the sums secured by this Security
Instrument and sale of the Property. The notice shall further inform Borrower of the right
to reinstate after acceleration and the right to bring a court action to assert the
non-existence of a default or any other defense of Borrower to acceleration and sale. If the
default is not cured on or before the date specified in the notice, Lender at its option may
require immediate payment in full of all sums secured by this Security Instrument without
further demand and may invoke the power of sale and any other remedies permitted by
A pplicable Law. Lender shall he entitled to collect all expenses incurred in pursuing the
remedies provided in this Section 22, including, but not limited to, reasonable attorneys'
fees and costs of title evidence.
If Lender invokes the power of sale, Lender shall give notice of intent to foreclose
to Borrower and to the person in possession of the Property, if different, in accordance
with Applicable Law. Lender shall give notice of the sale to Borrower in the manner
provided in Section 15. Lender shall publish the notice of sale, and the Property shall be
sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the
Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to
all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all
sums secured by this Security Instrument; and (c) any excess to the person or persons
legally entitled to it.
GJVfACM - CMS.0042.WY (0001) (Page 16 of 18)
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23. Release. Upon payment of all sums secured by this Security Instmment, Lender
shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may
charge Borrower a fee for releasing this Security Instrument, but only if tbe fee is paid to a third
party for services rendered and the charging of the fee is permitted under Applicable Law.
24. Waivers. Borrower releases and waives all rights under and by virtue of the
homestead exemption laws of Wyoming.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained in this Security Instmment and in any Rider executed by Borrower and recorded with
it.
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Martln . erner
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Stacy erner
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-Borrower
(Seal)
-Borrower
(Seal)
-Borrower
LOAN NO: 589333806
Witnesses:
\VYOJ\.lING .. Single Pamily n Pamie Mae/Preddie Mac UNIPORM IN~ïRUMENT Form 3051 1/01
Gl\IACM - CMS.0042.\VY (0001) (Page 17 oj 18)
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INDIVIDUAL ACKNOWLEDGl\tIENT
STATE OF WYOMING,
COUNTY OF ~ì h~
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The foregoing instrument was acknowledged before me this
November 17, 2005
(date)
by
Martin J, Werner and Stacy A. Werner, husband and wife
(person acknowledging)
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Schedule A Page 1
Wyoming Mortgage
Given By: Martin J. Werner and Stacy A, Werner
See attached Exhibit "A"
Reference Parcel 81 Aspen Springs Tracts
A parcel of land located in the S~ of Section
of the NW){NW7{ of Section 81 T21N Rl15W of
Lincoln County I Wyoming I to wit:
5 and a portion
the 6th P.M'I
Beginning at the southwest corner of said Section 5 and
running thence N 00°06/4711 WI 780.00 feet to a point:
thence S 89°11/54" EI 2464.55 feet to a point¡
thence 119.95 feet along a curve to the right having a
radius of 1668.96 feet and a long chord bearing S
0°48/46" EI 119.92 feet to a point on a centerline
having a 30 foot easement to the right and running
parallel¡
thence along said easement line S 1°14/46" WI 171.16
feet to a point¡
thence along said easement line S 69°59/41" WI 421.35
feet to a point¡
thence along said easement line 206.33 feet along a
curve to the right having a radius of 1145.91 feet
and a long chord bearing S 75°09/11" WI 206.06 feet
to a point¡
thence along said easement line S 80°18/4111 WI 326.54
feet to a point¡
thence along said easement 1 ine 149.16 feet along a
curve to the left having a radius of 1145.92 feet
and a long chord bearing S 76°34/56" WI 149.04 feet
to a point¡
thence along said easement line S 72°51/12" W, 463.68
feet to a point¡
thence along said easement line 119.87 feet along a
curve to the right having a radius of 1146.28 feet
and a long chord bearing S 75°50'57" WI 119.82 feet
to a point¡
thence along said easement line S 78°34/2611 WI 758.01
feet to a point¡
thence along said easement line 97.07 feet along a curve
to the right having a radius of 247.11 feet and a