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Home My WebLink About914072 .' \ \.-{ ., \ íl . , I J -'""\;) ~ l- ~ C00302 , ) ',f" Return To: CHASE HOME FINANCE,LLC. P.O. BOX 8000 MONROE, LA 71211 ATTENTION: COLLATERAL PROCESSING Prepared By: [Sp'll'e Abu,'., This Line Fur R"cordillg Data] MORTGAGE 55215802 1552158021 RECEIVED 11/30/2005 at 3:28 PM RECEIVING # 914072 BOOK: 606 PAGE: 302 JEANNE WAGNER LINCOLN COUNTY CLERK, f<EMMERER, WY DEFINITIONS Words used in muJtiple sections of this document are defined below and other words are dl:rined in Sections 3, 11, 13, 18, 20 and 21. Certain rules rl:garding the usage or words uSl:d in this docunlL'nl are abo provided in Section ]6. (A) uSecurity Instrument" means this document, which is dated together with all Riders to this document. (B) "Borrower" is JODI L MOWER, UNMARRIED November 28, 2005 Borrower is the mortgagor under this Security Instrument. (C) "Lender" is JPMORGAN CHASE BANK, N. A. Lender is a BANK organized and existing under the laws of THE U. S . A . WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 C -6(WY) (OlJ051 , ,\, ® ~ poge 1 of 15 In"íalS:~~_ VMP MORTGAGE P'JRMS ' (8001521,7291 . 11111111111111111111111111111111111 i\.C:)''j1 t¡ 072 U·,-.'J..:.:~ 'Ii! C00303 Lender's address is 1111 POLARIS PARKWAY COLUMBUS OH 43240 Lemler is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated November 28, 2005 The NOlC states that Borrower owes Lender Sixty-Five Thousand, Two Hundred and 00/100 Dollars (U .S. $ 65, 200 . 00 ) plus interest. Burrower has promised to pay this debt in regular Periodic Payments and to pay the debt in rull not later than December 1, 2035 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due uuder the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument tllal are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Balloon Rider D VA Rider o Condominium Rider [.:J Planned Unit Development Rider D Biweekly Payment Rider ŒJ Second Home Rider D 1-4 Family Rider D Other(s) [specify] (1I) "Applicable Law" means all controlling applicable federal, statl: and local statutes, rl:gulations, ordinances and administrative 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 Assessments" means all dues, rees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "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, compult:r, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (I() "Escrow Jtenis" means those items that are described in Section 3. (L) "1\Jiscellancous Procecds" means any compensation, settlement, award uf damages, or proceeds paid by any third party (other than insurance proceeds paiclunder the coverages described ili SL'Cli()1l 5) rl)r: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part uf the Property; (iii) conveyance in lieu or condemnation; or (iv) misrepresentatiolls of, or omissions as to, the value and/or condition of the Property. (l\1) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or ddault on, the Loan, (N) "Periodic Paymcnt" means the regularly scheduled amount dUL' for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.s.e. Section 2601 et seq,) and its implementing regulation, Regulation X (24 e. 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 Inslrument, "RESPA" refers to all requireme1lts and restrietions that are imposed in regard to a "federally related mortgage loan" even if the Loan does nol qual i fy as a "federally related mortgage loan" under RESPA. cD -6(WY) (00051 ® Page 2 of 1 5 ~\"fü !nitials; ~-t -~- ~ Form 3051 1/01 '\ /" 0"7"> ", ¡ ) '1', I" ¡' ,'. Ü ::J ~ "-1l ...u ^ i.. (] 0 :1 0 4 (P) IISuccessor in Interest of Borrowerll means any party that has taken title to the Properly" whether or not that party has assumed Borrower's obligations under [he Note and/or 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 lnstrument and the Note, For this purpose, Borrower does hereby mortgage, grant and COIl\'l~y to Lender and Lender's successors and assigns, wilh power of sale, the following described properly located in the COUNTY or LINCOLN [Type of Recording Jurisdiction] IName of Recording Jurisdictiun] LOTS 19 AND 20 OF TAYLOR FIFTH SUBDIVISION/LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF, " Parcel TO Number: 12241918201010 , 00 473 VALLEY VIEW DRIVE COKEVILLE which currently has the address of ¡Street] ICity] ,Wyoming 83114 IZipCudc] ("Property Address"): TOGETHER WITH all the improvements now or hereat'ter erected Oil the property, and all easements, appurtenances, and fixtures now or hereafter a part of the properly. A II repl acel1lenls alld additions shall also be covered by this Security Instrument. All of the l'nregoing is n:ferred to in this Security Instrument as the "Properly." BORROWER COVENANTS that Borrower is lawfully seised uf the estate hereby conveyed and has the right to mortgage, grant and convcy the Property and [hat [he Properly is 11ilencumbered, except for encumbrances of record. Borrowcr warrants and will dcfend generally the lilk ll) [he Properly againsl al] claims and demands, subjcct to ~111Y lïlcumbrances of n:cord. THIS SECURITY ]NSTRU!vIENT combines uniform COVènants for n,¡tional use and non-unirorm covenants with limited variations by jurisdiction to constirute a uniform security instrumcnt covering rcal property. UNIFORM COVENANTS, Borrowcr ami Lender covenant and agree as follows: 1. Payment of Principal, Intercst, Escro\\' Items, Prepaymcnt Charge,~, and Late Charges. Borrowcr shall pay when due the principal of, and inttrest on, the debt evidenced by till' NOlC and any prepayment chargcs and late charges due under the Note, Borrower shall also pay funds I'llI' Escrow Itcms pursuant to Section 3, Payments due under (he Note ami this Security Instrument shall be made in U,S. currency. However, if any check or other instrument received by Lcnder as paymcnt under thc Note or this ~. -6(WY) 100051 <Y Page 3 ûf 15 Iní(ídIS~,~ Form 3051 1/01 '\<.:..,,-.¡ ¡'~ n\~"'J V<...~}.J._!.o.I-~V J'~ rr\0305 '.' ,) Security Instrument is returned to Lender unpaid, Lender may require that any or all subsl'Cuent payments due under the Note and this Security Instrument be made in one or more uf 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 inslued by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are (kemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to reruse such paymtnt or partial payments in the future, but Lender is not obligated to apply such paymtnts at the time such payments are ac.:cepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay iuterest on unapplied funds, Lender may hold such unapplied funds until Borrower makes payrnent to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Burrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No uffset 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 am! applied by Lender shall be applied in the following order or 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 tht order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts dut under this Security Instrument, and then to reduce the principal balance of the Note. lf Lender receives a payment rrom Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the paymtnt may be applied to tht delinqul'Jlt payment and the lalt charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrowtr to the repayment of the Periodic Paymtnts if, and to the exttllt that, each payment can be paid in full. To the extent that any excess exists after [he payment is appl icd to the rull payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prep:\yments 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 duc under the Note shall not exttnd or postpone the due date, or change the amount, of thc Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lcmler on the day Periodic Paymcnts 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 Jnstrumtnt as a lien or encumbrance on [he Property; (b) leasehold payments or ground rents on tht Property, if any; (c) premiums for any and all insurance requirtd by Lender under Section 5; and (d) Ivlortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of I\lortgage Insurance premiums in accordance with the provisions or Section 10. Thtse items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require ¡hat Community Association Dues, Ftes, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounlS to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Itcms unless LemlL'r waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time, Any such waiver may, Jlily be in writing. In tht event of such waiver, Borrower shall pay directly, whcn and where payable, till: amounts cO -6(WY) 100051 <!' Page 4 of 15 ~ InltiðIS~\~ Form 3051 1/01 ',' ', r~ (l:r'"-¡°")¡ "J'~JIL~'J(U f/ ~ (, ¡ì (\ ') () G' " \" .J \,. d', ) due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lcnder requires, shall furnish to Lender receipts l'videncing such payment within such time period as Lendcr may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes Ill' deemed to be a covenant and agreement contained În this Sccurity Instrument, as the phrase "covenant and ~Igrcemcnt" is used in Section 9, If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails [0 pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and ßorrower 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 noticc given in accordance wilh Section 15 and, upon such revocation, ßorrower shall pay to Lender all Funds, and in such amounts, that are then required under this Sect ion 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficiellt to permit Lcnder [0 è¡pply the Funds at thc tillle specified under RESPA, and (b) not to excccd the maximum amouut a !cndt:r can require under RESPA. Lender shall estimate the amount of Funds due on thc basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The 1-'unds shall be held in an institutiun whost: depllsits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose dep,)sits are so insured) or in any Federal Home Loan Bank, Lender shall apply the Funds to pay the Escrow Items no lalèr 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 nn the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be n:quirecl to pay Borrower any interest or earnings on the Funds. Borrower and Lender ean agree in writing, IllJ\I'CvCr, that interest shall be paid on ¡he Funds. Lender shall give to Borrower, without charge, an aill1lwl accouilting or the Funds as requirecl by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lendl'r shall account to Borrower for the excess funds in accordance with RESPA, If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrowl'r as rt:quired by RESPA, aml Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in n(1 Illore than 12 monthly payments, If there is a deficiency or Funds held in escrow, as defined under I-U:SPA, lxnder shall notify Borrower as required by R ESP A, and Borrower shall P:J) to Lender the amount l1l'ccss~lry to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments, Upon payment in full of all sums secured by this Security Instrumcnt, Lender shall pJlJmptly refund to Borrower any Fnnds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessmcnts, charges, rines, and impositions attributable to the Property which can attain priority over this Secnrity Instrumcnt, leasehold payments or ground rcnts on the Property, if any, :uld Community Association Dues, Fees, and Assessments, if any, To the extent that thesc items are Escrow Itcms, Borrowcr shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any licn which has priority ovcr this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation sl'curcd by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agn::l'J1Jcnt; (b) contests the lien in good faith by, or defends against enrorcement of the lil'n 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 agrecment satisfactory to Lendcr subordinating the lien to this Security [nstrument. If Lender determines that any part of the Property is subject to a lien wh ich can ~lllajn priority over this Security Instrument, Lcnder may give Borrowcr a not ice idcnt i fying the <mÞ -6tWY) 100051 ®s Page 5 of 15 "'''''''~ Form 3051 1/01 "-t-I/'ii.1h72 't),-3L~~0 . 00307 lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy [he lien or lake one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within lhe term "extended coveragc," and any other hazards including, but not limited to, earthquakes and floods, for which Lcnder rcquires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requin:s. What Lender requires pursuant to the preceding sentences can change during the (erlll 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 he exercised unreasonably, Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for J100d zone determination, certification and tracking services; ur (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or simiLlr changes occur which reasonably might affect such determination or certification, Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency tvfanagement Agency in connection wilh the review of any flood 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 Borruwer'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 ef1ÙI. Borrower acknowledges that the cost of the insurance coverage so obtained migllt significantly exceed the cost of insurance that Borrower could have obtained, Any amounts disbursed by Lender under [his Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, witll such interest, upon notice from Lender to Borrower requesting payment. AI] insurance policies required by Lender and renewals of such policies shall be subjecl tu Lender's right to disapprove such policies, shall include a standard mortgage 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 Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherlvise required by Lemlcr, for damage to, or destruction of, the Property, such pol icy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an adc1itionalloss payee. In the event of loss, Borrower shall give prompt notice to Ihe insurance carrier and Lender, Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise :lgrL:e in writing, any insurance proceeds, whether or not tile underlying insurance was required by Lendt:r, shall be applied to restoration or repair of the Property, ir the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender sllall 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 satisraction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of pr0g,ress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third partics, retained l)y Borrower shall not be paid out of the insurance proceeds and shall be llle sole obligation of Borrower, 11' the restoration or repair is not economically reasible or Lender's security would be lessened, tile insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not tllen due, with o -6(WY) 10005) ® Page 6 of '5 """'''''¥ Form 3051 1/01 ,,' , ' "-.; _I t'ii I{j)~ I-""'¡?: t) _:3 ¿~~i.c'( I "1l.J 00308 the excess, if any, paid to Borrower. Such insurance proceeds shall be appli<:d in the orlll:r providcd for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insu! ;¡nce claim and related matters. If Borrower does nut respond within 30 clays to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and sellll: the clainl. The 30-day period will begin when the notice is given. In either event, or if Lemkr aC'juires the Propnty unûer Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any illsul'ance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any rL'fund lJr uneaJlH'd premiums paid by Borrower) under all insurance policies covering the Property, insofar as sllch rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to rcpair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whtther or not then due. 6. Occupancy. Borrower shall Ol:CUPY, establish, and use the Proptrty as Borrower's principal residence within 60 days after the execution of this Sècurity Instrument and shall continue to occupy the Property as Borrower's principal residence for at 1e,lst one year after the date of occupancy, unless Lender otherwise agrt:es in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protect ion of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Properly to deteriorate or commit waste on tlle Property. Whether or not Borrower is rcsiding in the Properly, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its conditiou, Unlt:ss it is determined pursuant to Section 5 that repair or restoration is not ecoIolllically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration ur damage. If insurance or condemnation proceeds are paid in connection with damag¡; to, or the taking of, the Prop¡;rty, Bnrrower shall be responsible for repairing or restoring the Property only if lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs ,¡nû restoration in a single payment or in a series of progress payments as [he work is completed. If thc insurance or condemnation proceeds are not surficient tu repair or restore the Property, Borrower is not rdieved of Borrower's obligatinn for the compkl i¡Hl nf such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has r¡;asonable cause, Lender may inspect ¡he interior of the improvements on the Property. lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause, 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, ruisleading, or inaccurate information nr statements to Lender (or failed to provide Lender with material information) in connection with the Loan, I\1aterial representations indude, 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 and Rights lJnder this Security InstrunH'lll. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect lender's interest in the Property and/or rights under this Security Instrull1ent (such as " proceeding in bankruptcy, probate, for condemnation or fnrfeiture, for enforcement of a lien whieh may attain priority OIer this Security Instrull1cnt or to enforce jaws 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 Prop¡;rty and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, Imt are not limil':d to: (a) paying any SUll1S secured by a lien which has priority over this Security Instrument; (b) appearillg in court; aud (c) paying reasonable Q -6(WY) 10005) ® Påge 7 of 15 Initials \\\~f~ Form 3051 1/01 , ,Ii 1~[\",,?0> ''.','',.,:¡\ ..,;,-'lJ¡ ~ ¡.I..¡ "'-.:; ,~i ~,.__ - 00309 attorneys' fees to protect its intcrest in the Property and/or rights ul1lkr this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and havc utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so, It is agreed that Lender incurs no Jiability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional deht of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate (10m the date of disbursement and shall be payable, with such interest, upon notice from Lendcr [u Borrower requesting payment. If this Security Instmment is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Ivlortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Ivlortgage Insurance in effect. 11', for any reason, the Mortgage Insurance coverage required by Lender ceases to be available rrom the mortgage insurer that previously provided such insurance and Borrower was required to make scparately designated paymcnts toward the premiums for tvlortgage Insurance, Borrower shall pay the premiums required to ubtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the tvlortgage Insurance previously in ellect, from an altLTnate mortgage insurer selected by Lender. If substantially equivalent tvlortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately dcsignated payments that were clue when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of tvlortgage Insurancc, Snch loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall nOI be required to pay Borrower any interest or earnings on such loss reserve, Lendl'' can nu lÖnger requirc Joss reserve payments if Mortgage lnsurance coverage (in the amount and for the periud that Lender rcquires) provided by an insurer selected by Lender again becomes available, is obtained, and Lendcr reqnircs separately designated payments toward the premiums for Mortgage Insurance. If Lender required Ivlorlgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for IVlortgage Insurance, Burrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable luss rcserve, until Lemler's requirement for Ivlortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Appl ¡cab!.: Law. Nuthing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in thc Note. l'vfortgage Insurance reimburses Lender (or any entity thai purchases the Nule) for certain losses it may incur if Borrower does not repay the Loan as agreed, Borrower is not a party to the !\lortgage Insurance. Mortgage insnrers evaluate their tou¡] risk on all such insurance in force from time to timL', and may enter into agreements with other parties that share or modify their risk, or reduce losses. Thesc ;lgreL~ments are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained rrom tvlurtgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, anothcr 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 Insnrance, in exchange for sharing or modifying the mortgage insll1'er's risk, or reducing losses. 11' such agreement provides that an affiJiate of Lender takes a share of the insurer's risk in exchange for a share uf the premiums paid to the insurer, the arrangement is orten termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for 1\lortgage Insurance, 01' any other terms of thc Loan. Such agreements will not increase thc amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. G ·6(WY) 100051 ® Page 8 of 15 In¡I'OIS:~ FOII1l 3051 1/01 (-¡;~' .<1 /;;Î f}v--·::!t V ,-,-I_!.L '-C[ U ¡( ¡.I...J nui'.V-!' 0 ',) .. .1 (h) Any such agreements will not afj'ed the rights Borrower has - ir any - with rcsJl'd to the Mortgage Insurance under the Homeowners Protection Ad or 1998 or any othcr law. These rights may include the right to receive certain disclosures, to request and obtain canrdlation or the Mortgage Insurance, to have thc 1\Jortgagc Insurance tcrmin~ill'd automatically, and/or to receive a refund of any Mortgage Insurance premiums that "ere unearned at thc timc oj' snch cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forreiture. i\ II Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damagcd, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration pcriud, Lendtr shall have the right to hold such 1\1 iscellaneous Pmceeds until Lender has had an opportunity to inspect such Property to ensure tlie work has been CCllllplcted to Lender's satisfaction, provided tliat such inspection shall be umlerlaken promptly, Lender may pay for Ihe rep~lirs and restoration in a single dishursement or in a series of progress payments as lhe work is completed. Unless an agreement is maul' in writing or Applicable Lal\' requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applieu to the Stllns secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in tlil' order provided for in Section 2, In the event of a total taking, destruction, or loss in value of the Property, the 1\1 isce1laneous Proceeds shall be applied to lhe sums secured by this Security Instrument, \vhclher or not then due, with the excess, if any, paid to Borrower. In [he evtnt of a partial taking, dl'struction, or loss in value of [he Property in which the fair market valul' of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the parLial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Stuns secured by [his Security Instrument sha1l be reduced hy the amounl of ¡he tvI iSL'l'1Ianeous PJOL'ccds multiplied by the f01lowing fraction: (a) the total amounl of the SlIms securl'd inHlIl'dialely berore the partial laking, destruction, or loss in value divided by (b) the fair market value of the Property immcdiately before the partial taking, destruction, or loss in value. AIJY halance shall be paid 10 Borrower. In the event of a parLial taking, destruction, or loss in value of the Property in which the fair market value of the Properly immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, deslruclion, or loss in value, unless Borrower amI Lcnder otherwise agree in writing, the Misce1laneous Procecds shall be applied to Ihe sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, ann nOlice by Lender to ì(Hrower lhat the Opposing Party (as defined in the next sentence) oIlers to make an award [0 settle a claim for damages, Borrower fails to respond to Lender within 30 days aflcr the elate the notice is given, Lender is aulhorized to co1lect and apply the Miscellaneous Proceeds either to rl'storation or rl'pair or the Properly or to the sums sécured by Ihis Security Instrument, whether or nUl [hl'n due. "Opposing Party" means the third party that owes Borrowl'r Misce1laneuus Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds, Borrower shall be in defaull if any action or proceeding, whethér civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impainl1L'nt of Lender's interest in the Properly or rights undér this Security Instnllnent. Borrower ean cure stich a liL'i'aull and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or procel'ding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Propl'rty or other malerial impairment of Lender's interest in the Property or rights under this Security Instrument. The procl'eds of any award or claim for damages that are attrihutable to the impairment of Lender's interest in the Property are hereby assigned and sha1l be paid to Ltnder. All Misce1laneous Proceeus that are not applied to restoration or repair of the Properly shall be applied in the order provided ror in Section 2. ~,-6(WY) (00051 ~C!) Page 9 of 15 I"itials '0Ûì^ ~m\~~ Form 3051 1/01 " ,":, ,.....y '')I , ,,_,.\ ¡'",I ,f ,j II ¡Íoi U<-..Y-'l-'I:!:'--" ,r' (ì 0 '1-, 1'1 \..- ,) j.J 11. Borrower Not Rcleased; Forbcarance By Lcndcr Not a Waiver. Extension of the till1L' for payment or modification of arnortizatiun of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to n:kase the liability or Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against ,my Successor in Interest of Borrower or to refuse to extend time ror payment or otherwise modify amortization or the sums secured by this Security Instrument by reason of any demand made by the uriginal Borrower or any Successors in Interest of Borrower. Any furbearance by Lendcr in exercising any right or remedy including, without limitation, Lender's acceptance of payments frolll third persons, entities or Successors in Interest of Borrower or in amounts less than the alTlount then due, shall not be a waiver of or prec]ude 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 al1llliability shall be joint and several. Ilowever, any Borrower who co-signs this Security Instrument but dues not execute the Note (a "co-signer"): (a) is c()~signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security lnstrument; and (c) agrees that Lender and any uther Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of lhis Securily Instrument or the Note without the co-signer's consent. Subject to the 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 unless Lender agrees to such rdease in writing. The covenants and agreements of this Security Instrument shall bind (exCèpt as provided in Section 20) ,md benefit the successors and assigns or 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 Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valllation fees. In regard to any other fees, the absenCè of express authority in this Security Instrument to charge a specific fee to Borrower shall no! be construed as a prohibition on the charging of such fee, Lcnder may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is SUbjl'Ct to a law which sets maximum luan charges, and thai law is finally interpreted so that the interest or other loan charges collected or to be coJ[ected in connection with the Loan e.\ctL'd the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to rcduce 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 mah' this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, thc reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note), Burrower's acceptancc uf any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lemler in cunnectiou II ilh this Security [nstrument 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 delivL'red to Borrower's notice address if sent by other means, Notice to anyone Borrower shall constitulL' Jltllice to all Borrowers unless Applicable Law expressly requires otherwise, The notice address shall be lhl' Property Address unless Borrower has designated a substitute notice address by notice to Lemkr, 13()rt'uwer shall promptly notify Lender of Borrower's change of address, If Lemler specifies a procedure for reporting Borrowcr's change of address, then Borrower shall only report a change of addn:ss through that s[1L'citïed procedure. There may be only one designated notice address under this SecurilY Instrumcnt at anyone tilne, Any notice to Lender shall be given by delivering it or by mailing it by rirst class mai] to Lender's :Iddress stated hcrein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actllally received by Lender. If any notice required by this Security Instrument is also IÙJllired under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Ins! rument. G -6{WY) (00051 ® Page 10 of 15 In"'315: ~" AI\ ^, -~~i, Form 3051 1/01 ,;h'.c;j"¡1 tJJlt'';i~-::-s 'L7"----.:. "'--..:...J l..:..'t..J fI ~ 00312 16. Govcrning Law; Severahility; Rules of Construction. This Security Instfllment shall b¡:'" governed by federal law and the law of the jurisdiction in which the Property is located, AI! rights and obligations contained in this Security InslrLlll1tnl are subjcct to any rcquirements and limitations of Applicable Law. Applicable Law might explicitly \lr implicitly allow the parties to agree by contract or it might be silent, but such siJence shall not be CDnstrued as a prohibition against agrccmt'nt by contract. In the event that any provision or c]ause of this Security Instrument or the Note cont1icts 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 gender shall mean and include corresponding neuter words or words of the ft'lIlinine 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 ohligation 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 Inll'rest in Borrower. As used in this St'Cti1li1 18, "Interest in the Property" means any legal or benericial interest in the Property, including, but not limited to, those ben.:JÏcial interests transferred in a bond for deed, eonlraU ror deL'll, installment sales contract or escrow agreement, the intt'nt of which is the transfer of title by Borrower al ;¡ future date to a purchaser. 11' all or any part of the Properly or any Interest in the Property is sold or transferred (or ir Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) withoUl Lt'nder's prior written consent, Lender may require illlmediate payment in full of ail sums SCL'ulùl hy this Security Instrument. However, this option shall not bc exert~is¡;d by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shalJ give Borrower notice of acceleration. The noticc shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay alJ sums securcd by this Security Instrument. If Borrower fails to pay these SUIllS prior to the expiration of this period, Lender may invokc any remedies permitteJ by this SecurilY Instrument without further notice or demand on Rorrower. 19. Borrower's Right to Reinstate After Acceleration. r Borrower meets cerlain conditions, Borrower shalJ have the right to have enforcement of this Security Instrument di,L:conlinut'd at any time prior to the earliest of: (a) five days before sale or the Pruperty pursuant to any power of sale contained in this Security Instrument; (b) such orher period as ApplicabJe Law might speciry for the termination of Borrower's right to reinstate; or (c) entry or a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all SUIlIS which then would be due uuder this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any olher COvenanls or agreeIJll'nts; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not lill1ited to, reasonable attorneys' fees, property inspection and valuation fees, and other fCL's incurred fur the purpose of protecting Lender's inten;st in the Propcrly and rights under this Sccurity Instrument; and (d) takes stich action as Lcnder may reasonably require to assure that Lender's iJJtercst in the Pmperty and rights under this Sccurity Instrument, and Borrower's obligation to pay thc sums secured by this Security Instrument, shall continue unchanged. Lender may rcquire that Borrower pay sueh reinstatl:ment sums ami expenses in one or more of the following forms, as selected by Lender: (a) caslJ; (b) mOIH:y lHder; (c) certified cheek, 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 agcncy, instrumentality or entity; or (d) Electronic Funds Transrer. Upon reinstatement by Borrower, this Security Inslrumenl aud obligations secured hereby shall remain fully effeclive as if no acceleration had occurred. Ifowe\'cJ, this right to reinstalt' 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 (togcther with this Security InstrumeJJr) can be sold one or more times without prior notice to Borrower, A sale might rcsult in a changc in the entity (known as the "Loan Servicer") that collects Periodic Payments clue under the Note ancl this Security Instrument and perrorms other lJlortgage loan servicing obligations under the Note, this Security Instrument, ancl Applicablc Law. There' also lJlight be one or more changes of the Loan Servicer unrelated to a sale of the Note, If Ihere is a change of the Locm Servicer, Borrower will be given written notice uf the change which will slate ¡hc name and address or tilt' new Loan Servicer, the address to which payments should be malic: ancl any other information RESPA C_-6(WY) 100051 ® Page 11 of 15 ¡"tiaIS~~ Form 3051 1101 ". ',' ""72 ~ ,(-".(11 {".f¡ ~i ' , ~--' '-.J ___~ ...... "-Y í' (\ 0 ," 1 3 \.- ,j .J requires in connection with a notice of transfer of servicing, If the Note is sold and thereat"ier the Loan is serviced by a Loan ServiceI' 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 Snv icer and are not assumed by the Note purchaser unless otherwise provil1ed 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 parly's actions pursuanl 10 this Security Instrument or that alleges that the other party has breached any provision of, or any dUly owed by reason of, this Security Instrument, until such Borrower or L.t'nder has notified the other party (with such notice given in compliance with the requirements of Section IS) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, thai time period wiJl be deemed to be reasonable for purposes of this paragraph. The notice of accekration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity tu lake cOITt'ctive action provisions of this Section 20. 2]. 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 foJlowing substances: gasoline, kerosene, other tlammable or toxic petrolenm 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 health, safety or environmental protecliun; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Enviromnental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower sha]] not cause or permit the presence, use, disposal, storage, or release or any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall nOl do, nor allow anyone else to do, anything affecting lhe Property (a) that is in viulation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, duc to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects [he value of the Property, The preceding two sentences 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 {o norma] residential uses and to maintenance of the Properly (including, but not limited 10, hazardous substances in\lllsumer products). Borrower sha]] promptly gi\'l' Lender wrilten notice of (a) any investigation, claim, denwncl, lawsuit or other action by any governmental or regulatory agency or private party involving Ihe 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 threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazarduus Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, 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. Nothing herein shall create any oblig¡ilion on Lender for an Environmental Cleanup. C -6(WY) 100051 ® Pé10'~ 12 of 15 nillaIS:_~~ Form 3051 1/01 '--''''1 ¡'i f';I"<)"7, Ü::::J~'l., c:.''lJ¡Ii¡1;.; !-" /Î 0 ,.., 1i1 '~,) 0 i NON-UNIFORM COVENANTS, ßorrower and Lender further covenant and agrec as fulluws: 22. Acceleration; Remedies. Lender shall gin notice to Borrower prior to acceleration follo\\ing Borrower's hreach of any covenant or agreement in this Security Instrument (bul not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to ClIre 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 hring a cOllrt action to assert thc non-existence of a default or any othcr defense of Borrower to accelcration 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 ill ('ull of all slllns secured hy this Security Instrument without furthcr demand and may invoke the power of sale and any other remedies permitted hy Appticable Law. Lender shall be entitled to LOlled all expenses incurred in pursuing the remedies provided in this Section 22, including, hut not limited to, reasonable attorneys' fees and costs of title evidence. If Lender im'okes 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 provic¡;d in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prcsrrilJl'(1 by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall he applied in the following order: (a) to all expenses of the sale, including, bnt not lirnited to, reasonable attorneys' fees; (b) to all sums secured hy this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sLIms sccured by this Security Instrument, 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 the fee is paid to a third party for scrvices rendered and the charging of the fee is permitted under Applic:¡J)le Law. 24. \Vaivcrs. Borrower releases and waives all rights under and hy virtue of the hornestead exemption laws of Wyoming. G -6(WY) 100051 ® Paoe 13 of 1 S \0, (~'V\ Inilla!s: "~ \ --1' - Form 3051 1/01 t/ I;'-!-'¡.."¡ ,/' \.;I..:} ¡ ,-} ,n,,":').¡ ~'-' ~ 'U1 .. .ç; (' íì 0 1~ 1 r; ..... ,) v u BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants cOlltained In this Security Instrument and in any Rider executed by Borrower and recordecl with it. \Vitnesses: (Seal) -Borru\ver .. __ (Seal) -Borrower \::~'\ JCt~;;JtJ~~ (Seal) JOD I L MOWER~ -Borrowèr (Seal) -Borrowèr (Seal) (Seal) -Bürrower -Bnrn)wë:r (Seal) (Seal) -Borrower -Burruwer ca-6(WY) ¡00051 ® Page 14 of 15 Form 3051 1/01 :-' n 0 I~ 16 -' ,) u ,'~ l(. ...., /;J r~.~)'~..1 C)---JJl-",\ÿ i ¡;l.,a STATE OF WY01\fING, Jj VIC{)t'l\Jounty ss: The foregoing instrument was acknowledged \x·'"re me this November 28, 2005 by JODI L MOWER, UNMARRIED If l'U~!"lCY f ~ \\~ ¡--U:d) ['\lii\l{ï hhH.\C My Commission Expires: 10 /)- {)1 11CG~?15i~k^~1 ""my P"hh, U (JD 1¡I¡lIars: G-6(WY) 100051 ® --- PaUt;: 15 of 15 Form 3051 1/01 iL~072 r !Î 0 i) 1"7' ',' ..1 \ ,~, 55215802 1552158021 SECOND HOME RIDER THIS SECOND HOME RIDER is made this 28th day of November, 2005 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower" whether there are one or more persons undersigned) to secure Borrower's Note to JPMORGAN CHASE BANK, N.A. (the "Lender") of the same date and covering the Property described in the Security Instrument (the "Property"), which is located at: 473 VALLEY VIEW DRIVE, COKEVILLE, WY 83114 [Property Address] In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that Sections 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home, Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or Lise of the Property. 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 directiun 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 connection with the Loan, Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's second home. MULTISTATE SECOND INSTRUMENT Form 3890 1/01 S1-365R (0411) ® HOME RIDER - Single Family - Fannie Mae/Freddie Mac UNIFORM Page 1 of 2 Initials:~~\\. VMP Mortgage Solutions, Inc. (800)521-7291\\ 11111111111111111111111111111111111 ~ ~ '\ I·) '1' ,,","'"'"); '1 -c._I' .'", î\ "J,', ~]_...;,.I..~"-~V ~ ~ ¡Î n) (:) 18 ,) \ '-' BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Second Home Rider. ~,,~,J~111 JODI L MOWER \. -Borrower (Seal) -Borrower (Seal) -Borrower __ (Seal) -Borrower (Seal) -Borrower ____~____ (Seal) -Borrower (Seal) -Borrower ________ (Seal) -Borrower C-365R (0411) ® Page 2 of 2 Form 3890 '1/01