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Home My WebLink About914021 5)264 (04) r. !Ì (~ '-1 .' 0 '.- ~... ~; ¡~ ~ 0 ......~. ¡l Return To: FIRST INTERSTATE BANK P.O. BOX 40, CASPER. WY 82602-0040 Prepared By: LYNN E. CLUTTER [Span Aborc This Line For Rccordiug Data] --~~- MORTGAGE RECEIVED 11/29/2005 al 942 AM RECEIVING # 914021 BOOK: 606 PAGE: 118 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY DEFINITIONS \..; Words used in multiple sections of this docul11elH are defined below and other words are defined in Sections 3, II, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. ¡l. I) I~ì '1- (A) "Security Instrument" means this document, which is dated November 22, 2005 together wilh all Riders to this document. (6) "Borrower" is STEVE BELL and CARRIE BELL, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is FIRST I NT ERST A TE BANK Lender is a A CORPORATION organized and existing under the laws of STATE OF MONTANA 47BELLSTEVE WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 G -6(WY) 10005) ® (I¡) ·¡';h Poge 1 of 15 MW 05/0001 In;¡íáIS:__uJ2. {B ~/ VMP MORTGAGE FORMS - 18001521~7291 11111111111111111111111111111111111 ( " ë. j' ,(, !") n. /~ .'t U,-' .1.·;.r.u.....·.L (('\{\'oJ.~Q ',I \' 1. ..-. (P) "Successor in Interest of Borrower" means any party that has taken ¡ille to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or lhis 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 BorrO\ver's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, Wilh power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording JurisJiclion] [l'i.lIne of RecorJing JurisJiclionl LOT 81 RIVER VIEW MEADOWS SECOND ADDITION TO THE TOWN OF ALPINE WITHIN THE SE1I4 OF SECTION 30, T37N. R1l8W, ACCORDING TO THAT PLAT FILED FEBRUARY 11, 1994. PLAT NO. 264-0, INSTRUMENT NO. 778568. This is a 1st Real Estate Mortgage recording concurrently witll a 2nd Real Estate Mortgage in favor of First Interstate Bank, dated 11/22/2005 in the original amount of $29,400.00. Parcel ID Number: 37183040012900 611 SNAKE RIVER DR ALPINE ("Property Address"): which currently has the address of [SHeèr] [CiIY] , Wyoming 83128 ¡Zip Cüde] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property, All replacements and additions shall also be covered by thi~ Security Instrument, All of lhe foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of [he estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, excepl for encumbrances of record. Borrower warrants and will defend generally rhe tille to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenams for national use and non-uniform covenants wilh limited variations by jurisdiction to conslilllce a uuiform security instrument covering real property, UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Intel'est, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the NOle. Borrower shall also pay funds for Escrow Ilems pursuant to Section 3. Payments due under the Note and this Security ]nstrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this 47BELLSTEVE In¡tldlò_e~~s~){~ G -6(WY) 10005) foge 3 or 15 t Form 3051 1/01 @ '" . !Î (..,. ~I '.' 0, . ',!~..' ~1\ ;~ , . t' '¡ ,', ~ J ·t q', it':l \~ ^".L Lender's address is PO ROX 11 095, JACKSOtt vJY 83002 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated Noverllbel" 22, 200::> The Note states that Borrower owes Lender Tv'lO Hundred Seventeen Thousand and no/100 Dullars (U .s. $ 217 , 000 . 00 ) plus interest. Borrüwer has promised to pay ¡his dd)t in regular Periodic Payments and to pay the debt in full not later than Decemlwl' 1. 2035 (E) "Property" means the properly thaL is described below under the heading "Transfer of Rights in [he Property. " (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges amI late charges due under the Note, and all sums due under this Security Instrument, plus interest. (C) "Riders" means all Riders to this Security Inslnunen[ that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: [-J Adjustable Rare Rider D Balloon Rider D VA Rider D Condominium Rider D Second Home Rider D Planned Unit Development Rider D 1-4 Family Rider D Biweekly Payment Rider D O[her(s) [specify] (II) "Applicable Law" means all controlling applicable federal, stale and local S[alLltes, regulations, ordinances and administrarive rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessmtnts" means all dues, fees, assessments and other charges rhat are imposed on Borrower or the Property by a condominium association, homeowners association or similar organizarion. (J) "Electronic Funds Transfet·" means any transfer of funds, other than a transaction originated by check, drafr, or similar paper instrument, which is initiated through an eleClnmic terminal, têlephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial insritution to debit or credit an account. Such term includes, but is not limited 10, poim-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, ~ettlement, award of damages, 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, rhe Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepreseI1lations of, or omissions as to, Ihe value and/or condition of the ProperlY. (M) "l\'Io.·tgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due tor (i) principal and interest under the Nore, plus (ii) any amounts under Section 3 of this S.:curity Instrument. (0) "UESPA" means the Real Estare SeltlemeI1l Procedures ACl (12 U .S,c. Section 2601 et setl.) am! irs implemenring regulation, Regularion X (24 C.F.R. Part 3500), as [hey mighr be amended from lime to time, or any additional or successor legislation or regulal ion that governs rhe same subject mailer. As lIsed in this Security InslrumeI1l, "R ESP 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. 47BELLSTEVE <G -6(WY) 100051 ® Pág¡:: 2 ot 15 1''¡lIdls_llJ!di0 Form 3051 1/01 r· !Î (',' ,'~ ''1 '...' :.! J!.. .1. ! j "J ¡'¡';G'1 "L'd Security Instrumenr is returned to Lender unpaid, Lender may require that any or all subsetluent paymerHs due under the Note and this Security InSLrnmenr be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumenrality, or entiLy; 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 provisilJI1s in Section 15. Lender may return any payment or partial paymem if the payment or partial paymenls are insufficiel1l to bring the Loan current. Lender may accept any payment or partial paymelll insufficient to bring the 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 paymel1ls at Lhe time such payments are accepted. If each Periodic Payment is applied as of its scheduled due dare, then Lender need nOL pay interest on unapplied funds. Lender may hold such unapplied funds unril Borrower makes paymem to bring the Loan current. If Borrower does not do so wi:hin a reasonable period of rime, Lender shall either apply such funds or relUrn them to Borrower. If not applied earlier, such funds will be ilpplied to the oUls[amling principal balance under the Note immediately prilJr to foreclosure, No lJffset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this 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 the Note; (c) amounts due under Section 3. Such paymenrs shall be applied to each Periodic Paymel1l in the order in which it became due. Any remaining amOUI1lS shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. H Lender receives a paymenr from Borrower for a delinquent Periodic Paymem which includes a sufficienr amount to pay any late charge due, the payment may be applied to the delinquent payment and the laLe charge. If more than one Periodic Paymenr is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to Lhe 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 prepaymel1ls shall be applied first to any prepayment charges and then as described in Lhe 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 amounr, of the Periodic Payments. 3. Funds for l~sCl'ow 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 a¡¡ain 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) premiums for any and all insurance required by Lender under Section 5; and (d) !\Iongage Insurance premiums, if any, or any sums payable by Borrower [0 Lemler in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10, These items are called "Escrow lIems." At origination or at any time during the term of the Loan, Lender may require that CommuniLY 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 [0 Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender ¡he Funds for Escrow hems unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow hems. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow lIems at any time. Any such waiver may only be in writing. In the eveI1t of such waiver, Borrower shall pity directly. when and where payable, [he amounts 47BELLSTEVE ca -6(WY) (0005) ® P<1Qe 4 of 15 Inllials:, 1f/!Jii{Z:; --L.c_T-iJ Form 3051 1/01 i)'< i . ¡ ,'~:Ü;'~ t (. 1\'"'; ,', f) , , \ I ~:.. :~.~ i..., due for any Escrow Items for which paymelll of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such Lime period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant Jnd agreemem" is used in Section 9. If Borrower is obligated 10 pay Escrow Items directly, pursuant to it waiver, and Borrower fails 10 pay the amoulll due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall Ihen be obligated under Section 9 to repay 10 Lender an)' such amoun\. Lender may revoke Ihe waiver as 10 any or all Escrow Items at any time by a notice given in accordance wilh Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amoums, that are then required umler this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not \0 exceed the maximum amount a lender can require under RESP A. Lemler shall estimate the amOUI1l 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, inslrumemality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Fedeïal Home Loan Bank. Lender shall apply the Funds 10 pay the Escrow Items no lakr 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 wriLing or Applicable Law requires interest to be paid on the Funds, Lender shall n,H be required La pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on ¡he Funds. Lender shall give to Borrower, without charge, an annual accoulJting of the Funds as required by RESPA. If there is a sllil1lus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If tLere is a shonage 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 shorláge in accordance with RESPA, lmt in no Inore ¡han 12 monthly payments. If there is a deficiency of Funds held in escrow, as definecll1nder RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in nu mort: than 12 monthly payments. Upon payment in full of all slims secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to ¡he Property which can allain priorÌly over this Security Instrumem, ]easeholcl payments or ground rems on the Property, if any, and CommulJity Association Dues, Fees, and Assessments, if any. To the extent that these Ìlems are Escrow ltems, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security fnstrument unless Borrower: (a) agrees in writing to the paymenl of the obligation secured by the lien in a m,lnner accc:ptable to Lender, but only so long as Borrower is performing such agreement; (b) conteslS the lien in good fai¡h by, or defends against enforcemellt of the lien in, legal pwccedings which in Lender's opinion operate 10 prevent Ihe enforcement of the lien while those proceedings arc: pending, bl1l only until such proceedings are concluded; or (c) secures from Lhe holder of the lien an agreemem satisfactory tu lender subordinating the lien to this Security Instrumem. If Lender deLermines Ihat any pan of the Properly is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the 47BELLSTEVE C-6(WY) ¡OOOS} @ Pág~ 5 c.f 15 .(l) Ir"tlal,._C!:J./f-' Form 3051 1/01 ,- . /:¡ n ;G 1.. .U· J'~ ""J - ro' 1"\ (~ .: -1" ~ t) '.- r,.! ~_f ..l.:..~ j lien. Within 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 forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate lax verifica(jun :lIld/ur reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafrer trected on the Property insured against loss by fire, hazards included within the term "exlcnded coverage," and any other hazards including, l)llt not limited to, earthquakes and tloods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods thm Lender requires. What Lender requires pursuant to the preceding sentences can change during ¡he Lerm of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject t() ¡,ender'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 tlood zone determination, certification and tracking services; or (b) a one-time charge for tloml zone determination and certification services and subsequent charges each time remappings or similar changes OCCllr which reasonably might affect such determination or certification, Borrower shall also be responsible for the pa)'ment of an)' fees imposed by the Federal Emergency Management Agency in connection with the review of any tlood zone determination resulling fnJm 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 nu obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, bm might or might not protect Borrower, Borrower's equity in the Property, or the contems of the Properly, 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 I he cost 01 insurance that Borrower could have obtained. Any amounts disbursed by Lender under this SecLion 5 shall become additional debt of Borrower secured by this Security Instrument. These amounLs shall bear imeresL at the Note rate from the date of disbursement and shall be payable, WiLh such imerest, 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 mongage clause, and shall 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 Lenùer (Ill 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 Propeny, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier amI Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Propeny, if the reslOraLion or repair is economically fea,ible amI Lender's security is not lessened. During such rep:lir 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 lhe work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoraLion in a single payment or in a series of progress payments as the work is completed, Unless an agreement is made in writing or Applicdble 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 third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the SlUns secured by this Security Instrument, whether or nO! theu due, with 47BELLSTEVE Q -6(WY) (00051 ® Paga 6 o¡ 15 :¡"- ¡ ( <-) 1"'¡""'.1I/ _ Form 3051 1/01 Ij ." " ","'11 ;- j ~~~ ~'L. (, n '....·1 " 1 t, ,: \ i J~ ,t.._ "~ the excess, if any, paid ro Borrower. Such insur,U1L'e proœeds shall be applied in the ¡¡rder pruvided for in Section 2. If Borrower abandons the Properly, Lender may file, n¡;gotiate and selllê any avaiJable insurance claim and related marrers. If Borrower does nOl respond within 30 days t.;) a notice from Lenlkr that the insurance carrier has offered 10 settle a claim, then Lender may negotiate and settle the claim, The 30-day period will begin when the notice is given, In either evem, or if Lender acquires Lhe Properly under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts nnpaid under the Note or this Sécurity Instrument, and (b) any OIher of Borrower's rights (I¡¡her ¡han the right to any rdund of Ill1edJl1ed prémituns p,lid by Borrower) under all insurance policies covering the Pwperty, insofar as such rights Me applicable to the coverage of ¡he ProperlY· Lender may use the insurance pnkeeds ei¡her to repair 'Ir restore the Property or to pay amounts unpaid under the Note or this Security Imtrument, whether or nllt then due. 6. Occupancy. Borrower shall occupy, establish, and use ¡he Property as Borrower's principal residence within 60 days after the execurion of Lhis 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 othenvise agrees in writing, which consent shall not be unreasonably withheld, or unless extcllUating circumstances exist which are beyond Borrower's cOlHroL 7. Preservation, I\laintenance and Prokction of the Property; Inspections. Borrower ,hall not destroy, damage or impair the Property, allow the Property to deteriorare or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Propeny in order to prevent the Property from deteriorating or decreasing in value due [0 its condition, Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid funher deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage 10, or [he taking of, the Propeny, Borrower shall be responsibJe for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If Lhe insurance or condemnation procèeds are not sufficiem to repair or restore the Property, Borrower is not relieved of Borrower's obligation for ¡he cI)mpletion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property, If it has reasonable cause, Lender may inspect the interior of the improvements ou tlw Property. Lender shall give Borrower notice at the time of or prior 10 such an i¡¡terior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with B~HTo\v'er', knowledge or consent gave materially false, misleading, or inaccurate information or statemenLS 10 Lender (or failed to provide Lender with material information) in connection with the Loan. 1\1alerial representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property all(l Rights Under this SCClIrity Instrument. 11 (a) Borrower fails to perform the covenanrs and agreements comained in this Security Instrlnnent, (11) there is a legal proceeding that might sigllificamly atlect Lender's imerest in the Propc:ny and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probale, for coudemnation or forfeiture, for enforcement of a lien which may attain priority over this 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', inrerest in the Property and righh under this SecuriLY Instrumenr, including protecting and/or assessing Lhe value of the Property, <lnd securing amllor repairing the Propeny. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Ins¡nunem; (h) appearing in C,H1rl; and (c) paying reasona[¡le 47BELLSTEVE G -6(WY) 100051 @ Page 7 01 15 Inn'al,·JjJ~i~ Form 3051 1/01 " <j' , . ,1..:;;~1 _ f, ..."'\ (" ',; {", f'.·" \.1 ..:L _~., J attorneys' fees to protect its interest in the Property and/or righrs under this Security Instrumenr, ¡ncl uding its secured position in a bankruptcy proceeding, Securing the Proptny includts, bur is nor limited [0, entering the Property to make repairs, change locks, replact or board up doors and windows, drain warer from pipes, eliminare building or other code violations or dangerous condÎlions, and have utilities !lIrned on or off. Although Lender may take action under this Section 9, Ltnder does nOL ha\'e to do so and is nOl under any duty or obligation to do so. h is agreed that Lemler incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the NOIe rate from the dale of disbursement and shall be payable, with such interest, upon notice from Lender 10 Borrower requesting payment . If this Security Instrument is 011 a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title 10 the Property, lhe leasehold and lhe fee litle shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insul·ance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain rhe Mortgage Insurance in effecl. If, for any reason, the Mortgage Insurance coverage required by Lender ceases 10 be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated paymenrs toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required ro l)btain coverage subslamially equivalent to the Mortgage Insurance previously in effecl, al a cost substamially equivalent to lhe cost to Borrower of Lhe rvbngdge Insurance previously in effect, fnHll an alternate mortgage insurer selected by Lender. If substantially equivalenr 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 reLain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such Joss reserve shall be non-refundable, notwithstanding ¡he fan ¡hat the Loan is ultimately paid in full, and Lender sh~ill not be required (0 pay Borrower any interest or earnings on such loss reserve. Lemler can no longer require loss reserve payments if Mortgage Insurance coverage (in ¡he amOlnH and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender Il:quires separately designated payments toward the premiums for Mortgage Insurance. If Lender required tvlongage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments Loward the premiums for Mongage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-rel"tllldable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any wrillen agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law, NOlhing in ¡his Section 10 affects Borrower's obligation to pay imerest at ¡he rate prnvided in ¡he Note. Mortgage Insurance reimburses lender (or any entity that purchases the NOle) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a pany [() the !vlongage Insurance. Mortgage insurers evaluate their tOlal risk on all such insurance in force from time to lime, and may elller into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) LO these agreements. These agreements may require the mortgage insurer 10 make payments using any source of funds that the mortgage ins mer may have available (which may include funds obtained from 1\1ortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the NOle, another insurer, any reinsurer, any other entity, or any affiliate of any of the 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 lhe premiums paid (() the insurer, the arrangement is often termed "captive reinsurance," Further: (a) Any such agrccments 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 Bon'ower will owe for Mortgage Insurance, and they will not entitle Borrower to any rct'und. 47BELLSTEVE G -6(WY) 100051 @ Page 8 of 15 Inl(,G,>J:(l.(ib Form 3051 1/01 ! J, ", ;.:;.3.. (" ('\ ,-..,,~ ,". ,0 f..1 \ ~t: U (b) An) such agreements will not affect the rights Borrower has - if au)' - with respect to the Mortgage Insuranet: under the Homeowners PrukctilJu Act of 1998 or an)' other la II. These rights ma)' include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance tl'nninalul automatically, and/or to reccÎve a refund of an)' Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of 1\Iiscellaneous Proœeds; Forfdture. All t\1isCêllaneous Proceeds an: hereby assigned to and shall be paid 10 Lender. If ¡he Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of ¡he Property, if ¡he reslOration or repair is economically feasible and Lender's security is not lessened. During such repair and restoralÎon period, Lender shall have the right to hold such MiscellaneUlh Proœeds uIHil Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided thai such inspeclion shall be undertaken promptly, Lender may pay for Lhe repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreemenL is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borruwer any interêst or ealllings on such Miscellaneous Proceeds. If the restoration or repair is nol economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if :tny, paid t,) 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 Lhe Property, the Miscellaneous Proceeds shaH be applied to the smns secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or luss in value of the Property in which the L1Îr market value of the Properly immediately before the partial taking, destruction, or loss in value is equal !lJ or greater than the amount of the smns secured by this Security Instrument inunediillely before the partial taking, destruction, or loss in value, unless Borrower and Lender othe;-wise agree in wriling, the sums secured by this Security Instrument shall be reduced by the amount of [he Miscellaneous Proceeds multiplied by the following fraction: (a) the IOta I amount of the sums secured inunediacely before the partial taking, destruction, or loss in value divided by (b) [he fair marker value of the Property immediately before [he partial taking, destruction, or loss in value. Any balance shall be paid 10 Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sUlns secured immediately before the partial taking, destruction, or loss in vitlœ, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the snms secured by this Security Instl1lment whether or not the sums are then due. H the Property is abandoned by Borrower, or if, after nOlic<; by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to stale a claim for damages, Borrower fails to respond to Lender within 30 days after the dale the notice is given, Lender is authorized to collect and apply the lVfiscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then dde. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against \'v'hom Borrower has a right of action in regard to Miscellaneous Proceeds. B')!Tower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material unpairment of Lender's interest in the Property or rights under this Security Instrnment. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding 10 be dismissed with a ruling that, in Lender's judgment, precludes forfeiLure of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are allributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 47BELLSTEVE G -6(WY) 100051 ® P dUt: 9 of 1 5 ¡J {}.' 1/, ( .,J IrLIUi:Jls:_____LL .:...--~.e Form 3051 1/01 /~.\Lf} ';1:: '~~~ (-. i\ r', ,,; ," \-,., " : \, _t ,:", · .. 12, Borrower Not Released; Forbearance By Lender Not a Waiver. Extensiun uf the time for payment or modification of amortization of the sums secured by this Security Instrumem granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to rekase Lhe liability of Borrower or any Successors in Interest of Burrower. 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 Instrumenl by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearanœ by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounrs less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13, Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower c:ovenants and agrees that Borrower's obligations and liability shall be joinr and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only 10 mortgage, grant and convey the co-signer's imerest in [he Property under the terms of this Securily Instrument; (b) is not personally obligated to pay Lhe sums secured by lhis Sn'lIIiry Instrument; and (C) agrees that Lender and any Q[her Borrower can agree to extend, modify, forbear or make any accommodations with regard 10 Lhe terms of this Securiry Instrument or [he NOle without the co-signer's consent. Subject to the provisions of Section 18, any Successor in }¡llerest 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 Lhis Security Instrument unless Lender agrees to such release iu writing. The coveuams and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 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 Properly and rights under this Security Instrument, including, but not limited to, attorneys' fees, properly inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construecl as a prohibition on the charging of such fee. Lender may 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 maximum loan charges, and thar law is finally interpreled so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permiued 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 SlUm already collecled from Borrower which exceeded permit tell limits will be refunded to Borrower. Lender may choose to make this refund by reducing [he principal owed under the Note or by making a direct payment to Borrower. J f a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any sllch refund made by direct payment 10 Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices giveu by Borrower or Lender in connection with this Security Jnslrumelll must be in writing. Any notice to Borrower in connection with this Security Instrument shall he 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 constilute norice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by nOLice 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 only report a change of address thmugh that specified procedure. There may be only one designated notice address under this Security Instrument at anyone time, Any notice to Lender shall be given by delivering it or by mailing il by first c'lass mail lO Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in cOllnection with 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, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 47BELLSTEVE II1i1io15 ..!l¿j¿f) Form 3051 1/01 G ·6(WY) 100051 (!) Pag" 1 0 at 1 5 «0} -.1 , r"~ (', "..~ .", Q '. . _~ ~ u 16. Governing Law; Severability; Rules of Construction, This Security Instrument shall be governed by federal law and the law of the jurisdiL'lion in which the Property is located. All rights ami obligations contained in this Security Instrument are subjecL to any requirements ami limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the panies to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreemem by contract. In the event that any provision or clause of this Security Instrument or the Note cont1icLs with Applicable Law, such cont1ict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the contlicting provision. As used in this Security Instrument: (a) words of the masculine ge11ller shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take an)' action. 17. Borrower's Copy. Borrower shall be given one copy of the NOLe and uf this Security Insrrument, 18, Transfer of the Property or a Beneficial IlIterest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interesLs transferred in a bond for deed, COJ1lraL'l for deed, installment sales contract 01 escrow agreement, the intent of which is the transfer of titk by Borrower at a future date to a purchaser. If all or an)' part of the Property or any Interest in the Property is sold or transtì:rred (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 SecuriLY Instrument. However, this option shall not be exercised by Lender if such exercise is pruhibitcd by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordanCt with Sêctil)J1 15 within which Borrower must pay all sums secured by Lhis Security Instrument. If Borrower fails tt) pay these sums prior [0 the expiration of this period, Lender may invoke any remedies permitted by [his Security Instrument without hll1her notice or demand un Borrower. 19. Borrower's Right to Reinstate After Acccleration. If Borrower meds cenain cOllditions, Borrower shall have the right to have enforcement of this Security Instrumem disconrinued at any time prior to the earliest of: (a) five days before sale of Lhe Property plll,uanl to any power of sale cOJ1lained in this Security Instrument; (b) such other period as Applicable Law might ,>pecify for the termination of Borrower's right to reinstate; OJ (c) emry of a j udgmenr enforcing lilis Security I nstrumelll. Those conditions are that Borrower: (a) pays Lemler all Stllns which then would be due under this Security Instrument and the Note as if no acceleralion 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 atLorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Propeny and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in ¡he Property and rights uncler this Security Instrument, amI Borrower's obligation to pay the sums secured by this SecuriLy Instrumel1l, shall continue unchanged. Lender may require that Borrower pay such reinstatement stuns and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any ,>uch check is drawn upon an institution whose deposits are insured by a federal agenc)', instrumentality or entity; or (d) Electrunic Funds Transfer. Upon reinstatemem by Borrower, this Security Instrumel1l and obligatiuns 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. :!O. Sale of Note; Change of Lo,1II Servicer; Notice of Grievancc. The Note or a partial interest in the Note (together with this Security Instrumem) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the emit)' (known as the "Loan Servicer") that cullens Periodic Payments due under the Note and this Security Instrumel1l and performs other mortgage luan servicing obligations under the Note, this Security Instrtunent, and Applicable Law. There also might be one or more changes of the Loan ServiceI' unrelated to a sa]e 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 the new Loan ServiceI', the address to which payments should be made and any other information RESPA 47BELLSTEVE <G -6(WY) (00051 ®m Pdgl: 11 of 15 /I)VX ¡{} J lilillcil!;;:___.L::...7.:.:.-:::.._J1../ Forn, 3051 1/01 ",J' ,.. ";1,' .'r'.:¡ L .-j ", ."\ ., , " ") r : { : ';:. : ~ requires in connection with a notice of transfer of servicing. If [he Notê is sold and [hereafter the Loan is serviced by a Loan ServiceI' other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain wirh the Loan Servicer or be transferred to a successor Loan ServiceI' and are not assumed by the Note purchaser unless otherwise provided by the Note purch'tser. 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 [his Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other pal'll' (with such notice given in compliance wi[h the requirements of Sec[ion 15) of such alleged breach and afforded [he other party hereto a reasonable period after the giving of such notice to take correc[ive action, If Applicable Law provides a time period which must elapse before certain action can be eaken, tha[ rime period will be deemed to be reasonable for purposes of this paragraph. The nOlice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given Lo Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to lake corrective action provisions of this Section 20. 21. Hazardous Substances. As used in [his Section 21: (a) "Hazardous SubsLances" are those substances defined as toxic or hazardous substances, pollutants, or was[es by Environmemal Law and [he following substances: gasoline, kerosene, other tlammabJe or toxic petroleum products, toxic pesLicides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "EnvironmenLal Law" means federal laws and laws of [he jurisdic[ion where the ProperlY is IOL'med that relate to heallh, safety or environmel1laJ protection; (C) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, cOJl[ribllte to, or otherwise trigger an Environmenral Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the ProperlY. Borrower shaH not do, nor allow anyone else to do, anything 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 adverse]y affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on Lhe Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal resident Î,tl llses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender wriuen notice of (a) any investigation, claim, demand, lawsuiL or other action by any governmental or regularory agency or private party involving the Prnperty and any Hazardous Substance or Environmental Law of which Burrower has actual knowlt:dge, (b) any Environmental Condition, including hut not limited to, any spilling, leaking, discharge, release nr threat of re]ease of any Hazardous Substance, and (c) any condition causêd by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is no!i ¡ïeù by any governmel1lal or regulatory authority, or any private party, that any removal or oLher remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall prompt I y take all necessary remedial ac[ions in accordance wi[h Environmel1lal Law. No[hing herein shall creme any obligation on Lender for an Environmel1lal Cleanup. 47BELLSTEVE Q -6(WY) (00051 (!) p¡,ge 12 01 15 /if) //)) il'nIQb:__~?¿!1}"- FOIm 3051 1/01 ,',', L j }.~ '___ I .1 ~_ ',Þ" 1" ,",)-.;JJL {'.J- "'" r ,~ , l. (. I ."'~ 0 '. \,' ~1 ~... U NON-UNIFORM COVENANTS. Borrower and Lender I'LInher covenant and agree as follo\',fs: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agn:emcnt in this Secnrity Instrument (but not prio¡- to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action requked to ('lire the dd'ault; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the dtfault must be cured; and (d) that failure to cure the default (¡n or before the date specified in the ¡HIlke may result in acceleration of the sums sl:cu¡'ed by this Security Instrument and sale of the Property. The notice shall further inform Borrowe¡' of the right to reinstate after accele¡'ation and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to accderation 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 SUlns secured by this Security Instrument without further dl:mand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lendl:r shall be I:lltitll:d to collect all expenses incnlTed in pursuing the remedies provided in this Section 22, including, hut nul limited to, I'easonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Leuder shall give notice of intent to foreclose to Burrower and to the person in possession of the Property, if different, in accordan('C 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 pn'suibed by Applicable Law. Lender or its designee may purchase the Propel'ty at any sale. The proceeds of the sale shall be applied ill the following order: (a) to all ¡:xpenses of the sale, including, hut not limited to, reasonable attorneys' fees; (b) to all SIlins secured b) this Security Instnllll('nt; and (c) allY I:xcess to the person or persons legally entitled to it. 23. Release. Upon payment of all sLIms secured by this Security Instrument, Lender shall relea,e [llis SecuriLy InsLrument. BorrO\ver shall pay any rècordatiun custs, Lender may charge Borrower a fee for releasing this Security Instrument, but only if Ihe fee is paid to a [hird pany for services rendered and the charging (¡f the fee is permitted under Applicable Law. 24. '''aivers, Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming, 47BELLSTEVE ca -6(WY) 10005) ® Page 13 of 15 tl /' () III"ìciJs_{;/;L~) _~ Form 3051 1/01 /'1_1 ",-. ~·ú )'".JI.. (~, /..~ r' . ~ /', ,Il '.. ~.: \. ~.le j ~ BY SIGNING BELOW, Borrower accepts and agree, 10 the terms and covenallls conrained ill [his Security Instrument and in any Rider executed by Borrower amI recordèd with it. Witnesses: -7 I) /L( L. ¿-G-' t").- / C' - ----;-;~------ -- STE Ltj BEL L ( Seal) Bnrrowér ---L ¡!I ,,-:--)/ 1.4. ," ,', ' /~ÚL4---{-}-:£-:-¿--_..- CARRIE BELL ' (Seal) -BdrnJWer __ (Seal) _.~--~------~---------_.. _____ (Seal) - Borrow.:r B¡¡JTu\\'er (Seal) -.------- ___ (Seal) ·Borrow.:r "Bnrrower __ (Seal) ------------.- "____ (Seal) -Borrower - Born)wer 47BELLSTEVE .-6(WY) 100051 ® Page 14 01 15 Form 3051 1/01 ( !Î ""~ !; f) " ',..,1 \ l J.. ...J ,"..., ~:]L STATE OF WYOMING, (~!~---- d:.:INCôLN T-E.'f"èJ^) Coullty 5S: The foregoing instrument was acknowledged before me ¡his by STEVE BELL and CARRIE BELL November 22, 2005 My Commission Expires: 10( S-( ZDcÞ] {' <-) - '} , :::::::;'-;...---c:::- . ~CI >é;¿___L:__ --------~ ----_.._--~ Nt>I<u)' Pul¡lic l_..__~ \~ i'~ L \~ ;.~~ .'i1:-\:·~;:~·~:-~'~-·;·';{~~~';"~~~·~-f~v~!-~:~;-J-i:-· '~~~-f c¡.:!.!;I,üt ('{-~) 8:.~:2 c:f J _,:,LeI.1 \(j-)J V,,-,¡.J.,J ' :-,', .--..."" ''¡. '. ¡ -:...:~~ 'f' ,;":..,1 - ,.- .... .. (.--,.. ,', ,,~ ¡'l .' AI I"J" '., .,)" ,,,.):(:.;';) -if.J./.:...i?!:.:::: , -...........,;... 'V"~'''''''''''''''''''''~'''....~.:r'-'-''-''~_'''''''''''-''-~..J''';''. -.:..-f..;..-- ..;;,..-.';.,.<....... 47BELLSTEVE G -6(WY) (0005) @ Page 15 of 15 t. ).- ,\ .I), --ì ':<./r' ¡"'''ols:_ ilJ---() --, Form 3051 1/01