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Home My WebLink About913944 '} :2 ó .;:.; .r\ _ ~ ; \ rJ :-¡ b"'" ~~ " './1./ D - Þ RECEIVED 11122/2005 at 4:06 PM RECEIVING # 913944 BOOK: 605 PAGE: 665 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY "'....- ........ Fonn RD 3550-14 Wy (11-96) ISp;,¡cc Above. This LiIlC: For Rc:cording D¡¡L¡,] United States Department of Agriculture Rural Housing Service Form Approved OMB No 0575-0172 MORTGAGE FOR \VYOl\lING THIS MORTGAGE ("Security Instrument") is made on The mortgagor is LINDSEY R. KRALL November 21 ,2005. [Date) ("Borrower"). ThisSecurity Instrument is given to the United States of America acting through the Rural Housing Service or successor agency, United States Department of Agriculture ("Lender"), whose address is Rural Housing Service, c/o Centralized Servicing Center, United States Department of Agriculture, P.O, Box 66889, St. Louis, Missouri 63166. : Borrower is indebted to Lender under the following promissory notes and/or assumption agreements (herein collectively caIJed "Note") which have been executed or assumed by Borrower and which provide for monthly payments, with the full debt, if not paid earlier, due and payable on the maturity date: Date ofInstrument Principal Amount Maturity Date November 21/ 2005 $131,000.00 November 21, 2038 1.-l This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of aIJ other sums, with interest, advanced under paragraph 7 to protect the property covered by this Security Instrument; (c) the perfonnance of Borrower's covenants and agreements under this Security Instrument and the Note, and (d) the recapture of any payment assistance and subsidy which may be granted to the Borrower by the Lender pursuant to 42 U.S.e. §§ 1472(g) or 1490a. For this purpose, Borrower does hereby mortgage, grant, and convey to Lender, with power of sale, the folJowing described property located in the County of Linco In , State of Wyoming: Lots 7, 8, 9, and 10 of Block 26 to the Town of Diamondville, Lincoln County, Wyoming as desèribed on the official plat thereof. which has the address of 807 Star Avenue Wyoming 83116 [ZIP] [Stled] ("Property Address"); Diamondville [City) Public reportillg burdell for Ihis collectioll of illformatioll is estimaled 10 average J 5 minules per respollse, ineil/ding Ihe lime for reviewillg illstructioll. searching existillg data sources. galhering and nwinlaillillg Ihe data needed. and complelillg alld reviewing Ihi' colleclion of illformation. Send comments regardillg this burden eSlimate or any olher aspecl of Ihis colleclion of il/formalion. iI/ell/ding sl/ggeslions for reducing this burden. to Ihe us. Deparlmelll of Agricl/lrure. Clearallce Officer. STOP-7602. J 400 IlIdependence Ave,. S, W. Washington, D,C. 20250-7602, Please DO NOT RETURN thisform 10 Ihis address, Fonmrd 10 Ihe loenl USDA office only YOl/ are nol required to respond 10 this collection of ill form a Ii 011 unless it displays a currenlly valid OMB nWIIDer, Page I of 6 ,/~. :7\..~Jv..\ 1\. .__;>"_.. J '""\f\ I ~<J ~t:; . ~'¡ ,;' \r~1 /'~ ,..;¡ -- --~ ' ." "-'¿ >i: {ii! r'iìf'G6{) '.' ~. ' '.. ¡., _·........1 \..J '\ V TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures which now or hereafter are a part of the property. All rep]acements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property. " BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-unifonll 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 and Interest; Prepayment and Late Charges, Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; and (d) yearly flood insurance premiums, if any. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 USe. § 2601 et seq. ("RESPA"), unless another law or -federal regulation that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may 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 by a federal agency (including Lender) or in an institution whose deposits are insured by a federal agency, instrumentality, or entity. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying rhe Funds, millually 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. However, Lender may require Borrower to pay a one-time charge for an independent rea] estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an arumal accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made, The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion, Upon payment in full of all sums secured by this Security Instmment, Lender shall prompt]y refund to B8rrower any Funds held by Lender. If Lender shall acquire or sell the Property after acceleration under paragraph 22, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instmment. 3. Application of Payments. Unless applicable law or Lender's regulations provide otherwise, all payments received by Lender under paragraphs I and 2 shall be applied in the following order of priority: (1) to advances for the preservation or protection of the Property or enforcement of this lien; (2) to accmed interest due under the Note; (3) to principal due under the Note; (4) to amounts required for the escrow items under paragraph 2; (5) to late charges and other fees and charges. 4. Charges; Liens, Borrower shall pay all taxes, assessments, charges, fines and impositions ath'ibutable to the Property which may attain priority over this Security Instmment, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, BOITower shall pay them on time directiy to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Boo'ower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Lender has Page 2 of6 /\f\~~~~ '-, ,-" ~~S'4 4, . :, (, ,,-I r (~ n 1"'1 ".~ t) t! U U i agreed in writing to such lien or Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a maimer acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instmment. If Lender detemlines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give BOITower a notice identifying the lien. Borrower shaH satisfy the lien or take one or more of the actions set forth above within ten (10) days of the giving of notice. Borrower shalI pay to Lender such fees and other charges as may now or hereafter be required by regulations of Lender, and payor reimburse Lender for all of Lender=s fees, costs, and expenses in connection with any fuIl or partial release or subordination of this instrument or any other transaction affecting the property. 5. Hazard or Property Insurance. Borrower shalI keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the tenn "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurer providing the insurance shall be chosen by BOlTower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, at Lender's option Lender may obtain coverage to protect Lender's rights in the Property pursuant to paragraph 7. All insurance policies and renewals shall be in a fonn acceptable to Lender and shall include a standard mortgagee clause. Lender shalI have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, BOlTower 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 BOlTower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economicaIly feasibJe and Lender's security is not lessened. If the restoration or repair is not economicaIly feasible or Lender's security would be lessened, the insurance proceeds shalI be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to BOlTower. If BOlTower abandons the Property, or does not answer within tJùrty (30) days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may colIect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instmment, whether or not then due. The thirty (30) day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If after acceleration the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Preservation, ,Maintenance, and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall not destroy, damage or impair the Property, allow the Propel1y to deteriorate, or commit waste on the Property. Borrower shall maintain the improvements in good repair and make repairs required by Lender. Borrower shall comply with all laws, ordinances, and regulations affecting the Properly. BOlTower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default by causing the action or proceeding to be dismissed with a mling that, in Lender's good faith detemlination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if BOlTower, during the loan application process, gave materially false or inaccurate infonnation or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, If this Security Instrument is on a leasehold, Dorrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leas::hold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Bonower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condenmation or forfeiture or to enforce bws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instnrment. appearing in court. paying reasonable attorneys' fees and entering on the Property to make repairs, Although Lender may take action under this paragraph 7, Lender is not required to do so, Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instmment. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Refinancing. If at any time it shall appear to Lender that Borrower may be able to obtain a loan from a Page 3 of6 (gf~X-\ 'r' ,. '1 .,' " r, £' . ~) '!-iít . ~' Î' ,~ ,.. t' (' 0 , f ~, . t. - \, \ ..:. ll~i \, ;.' ~ .. responsible cooperative or private credit source, at reasonable rates and tenns for loans for similar purposes, Borrower will, upon the Lender's request, apply for and accept such loan in sufficient amount to pay the note and any indebtedness secured hereby in full. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condenmation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured inm1ediately before the taking, divided by (b) the fair market value of the Property inm1ediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured hereby immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condenmor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within thirty (30) days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due, Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs I and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a \Vaiver, Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower and any successor in interest of Borrower shall not operate to release the liability of the original Borrower or BOlTower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-signers, The covenants and agreements of this Security Instrument shaH bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16. Borrower's covenants and agreements shall be joint and several. Any BOlTower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security InstI1Jment only to mortgage, grant and convey that Borrower's interest in the Property under the tenns of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any acconm1Odations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method, The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph, 14. Governing Law; Severability. This Security Instrument shall be govemed by federal law, In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, sllch conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, To this end the provisions of this Security Instrument and the Note are declared to be severable, This instrument shall be subject to the present regulations of Lender, and to its future regulations not inconsistent with the express provisions hereof. All powers and agencies granted in this instrument are cOLlpled with an interest and are irrevocable by death or otherwise; and the rights and remedies provided in this instmment are cumulative to remedies provided by law. 15. Borrower's Copy. Borrower acknowledges receipt of one conformed copy of the Note and of this Security Instrument. 16. Transfer of the Property or a Beneficial Interest in Borrower, If all or any part of the Property or any interest in it is leased for a tenn greater than three (3) years, leased with an option to purchase, sold, or transferred (or if a beneficial interest in Borrower is sold or transferred and BOITower is not a natural person) without Lender's prior written consent, Lellder may, at its option, require immediate payment in full of all sLIms secured by this Security Instrument. Page 4 of6 i, '~5~t~~\ (' (\ I..., r'. 6' g" ì.... ~) ~.~ (} .. ~."' 17. Nondiscrimination. If Borrower intends to sell or rent the Property or any part of it and has obtained Lender's consent to do so (a) neither Borrower nor anyone authorized to act for Borrower, will refuse to negotiate for the sale or rental of the Property or will otherwise make unavailable or deny the Property to anyone because of race, color, religion, sex, national origin, handicap, age, or familial status, and (b) Borrower recognizes as illegal and hereby disclaims and will not comply with or attempt to enforce any restrictive covenants on dwelling relating to race, color, religion, sex, national origin, handicap, age or familial status. 18. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to BOITower. A sale may result in a change in the entity (known as the "Loan Servicer") that collects monthly payments due under the Note and this Security Inshllment. There a]so may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, BOITower will be given written notice of the change in accordance with paragraph 13 above and applicable law. The notice will state the name and address of the new Loan ServiCèr and the address to which payments should be made. 19. Uniform Federal Non-Judicial Foreclosure. If a unifonn federal non-judicial foreclosure law applicable to foreclosure of this security instrument is enacted, Lender shall have the option to foreclose this instrument in accordance with such federal procedure. 20. Hazardous Substances. Borrower shall not cause or pennit the presence, use, disposal, storage, or release of any hazardous substances on or in the Property. The preceding sentence shall not apply to the presence, use, or storage on the Property of small quantities of hazardous substances that are generally recognized to be appropriate to nom1al residential uses and to maintenance of the Property, Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any federal, state, or local enviro¡m1entallaw or regulation. Borrower shall promptly give Lender written notice of 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 or regulation of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any hazardous substance affecting the Property is necessary, BOITower shall promptly take all necessary remedial actions in :Jccordance with applic:Jble environmental law and regulations. As used in this paragraph "hazardous substances" are those substances defined as toxic or hazardous substances by environmental law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or forn1aldehyde, and radioactive materials. As used in this paragraph, "environmental law" means federal laws and regulations and laws and regulations of the jurisdiction where the Property is located that relate to health, safety or enviro¡m1ental protection. 21. Cross Collateralization. Default hereunder shall constitute default under any other real estate security instrument held by Lender and executed or assumed by BOITower, and default under any other such security instrument shall constitute default hereunder. NON-lJNIFORM COVENANTS. BOITower and Lender further covenant and agree as follows: 22. SHOULD DEFA UL T occur in the perfom1ance or discharge of any obligation in this instrument or secured by this instrument, or should the parties named as BOITower die or be declared incompetent, or should any one of the parties named as Borrower be discharged in bankruptcy or declared an insolvent, or make an assignment for the benefit of creditors, Lender, at its option, with or without notice may: (a) declare the entire amount unpaid under the note and any indebtedness to Lender hereby secured immediately due and payable, (b) for the account of Borrower incur and pay reasonable expenses for repair or maintenance of and take possession of, operate or rent the property, (c) coUect the rentals and other income and profits from the property and apply it against the secured indebtedness, whether or not a receiver shaU have been appointed, but shaU not be required or be liable for failure to coUect rent or other income, and shall be held accountable for only such amounts as are actuaUy received, (d) upon application by it and production of this mortgage, without other evidence and without notice of hearing of said application, have a receiver appointed for the property, with the usual powers of receivers in like cases, (e) foreclose this instrument as provided herein or by law, (f) require BOl1'uwer to sUfJl;nder to Lender any and all abstracts of title then owned by Borrower covering all or any part of the property, and (g) enforce any and all other rights and remedies provided herein or by present or future law. 23. The proceeds of foreclosure sale shall be applied in the following order to the payment of: (a) costs and expenses incident to enforcing or complying with the provisions hereof, (b) any prior liens required by law or a competent court to be so paid, (c) the debt evidenced by the note and aU indebtedness to Lender secured hereby, (d) inferior liens of record required by law or a competent cou¡1 to be so paid, (e) at Lender's option, any other indebtedness of Borrower owing to Lender, and (f) any balance to Borrower. At foreclosure or other sale of all of any part of the property, Lender and its agents may bid and purchase as a stranger and may pay Lender's share of the purchase price by crediting such amount on any debts of Borrower owing to Lender, in the order prescribed above. 24. BOITower agrees that Lender wiJl not be bound by any present or future laws, (a) providing for valuation or Page 5 of 6 (_~(~i\\ ,C_'I \',J ...~ ,tj . :~' "-'.':' r· ¡', \ r- "'. 1-"1 0' . ',', Li' , ./ \ . \. , , " appraisal of the property, (b) prohibiting maintenance of an action for a deficiency judgment or limiting the amount thereof or the time within which such action may be brought, (c) prescribing any other statute of limitations, (d) allowing any right of redemption or possession following any foreclosure sale, (e) requiring possession of the property or appointment of a receiver before Lender is entitled to rents, or (f) limiting the conditions which Lender may by regulation impose, including the interest rate it may charge, as a condition of approving a tTansfer of the property to a new Borrower. Borrower expressly waives the benefit of any such State laws, Borrower hereby releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. 25. At the option of Lender this mortgage may be foreclosed by action or advertisement under Power of Sale as provided by law and statute, and Borrower hereby irrevocably vests in Lender the statutory Power of Sale. 26. Borrower hereby assigns to Lender all Borrower's rights under Wyoming Statutes 34-4-113 to surplus proceeds and/or surplus money remaining after sale of the property under statutory Power of Sale or any foreclosure sale or similar sale exercised by any foreclosing party or other party and hereby waives any clainl against the officer or person making such sale for paying said surplus on demand of Lender. 27. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box] o Condominium Rider o PlaImed Unit Development Rider o Other(s) [specify] BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages 1 through 6 of this Security Instrument and in any rider executed by Borrower and recorded with this Security Instrument ( Borrower STATE OF WYOMING }, ACKNOWLEDGMENT COUNTY OF Lincoln The foregoing instrument was acknowledged before me by Lindsey R. Krall anrl:--.- this 21st day ofNovernber 2005 , Wi tnfS-S~fiiý;,(h, âi\~i,:~5,~, }Q~fiÄj~J!~~älf¿'~d-'" COON1ì' OF <>1' SlATE (J l ~ 1tOLN WYOMING "''''''1''''I"IE',': /O~;)~ I\\f ~(1nll J....~oi .1'I!>lH:.;.,) _.___ :1 "'~,,";&..tJ.-..,j'- ..;;"_......;;.,~;. .,:.;- ·....,··,5 - ...J;'- .......--. .,;;..~,;ÿ~.;i.,--...;;;~.c:r- ... (NOTARIAL SEAL) 'ì My commission expires: J 0 - d ~O 1 n~'~~ct (] U &Fry p"¡,¡,, Page 6 of6 (JfR-~L~~