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Home My WebLink About914147 r (\ (', ' t'~ pj 3 \. " I! ~) l 71 After Recording Return To: RECEIVED '12/2/2005 at 2:47 PM RECEIVING # 914147 BOOK: 606 PAGE: 573 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY /) 'j L/ "--"} GMAC Mortgage Corp, 100 Witmer Road Horsham, PA 19044-0963 ATTN: Records Management ì \ J \ \ I~t./ [Space Ahuve This Line Fur Recorcling Data] Loan No. 589616309 MIN 1000375-0589616309-7 MORTGAGE ¿tJ '1 ;:) \ it ;/ \ DEFINITIONS Words used in multiple sections of this document are detined bdow and other words are detined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the: usage: of words use:d in this docume:nt arc; also provide:d in Se:ction 16. (A) "Security Instrument" ll1e:ans this docllme:nt, which is dated November 30, 2005 , together with all Riders to this document. (B) "Borrower" is Ridgely Geesaman and Katrina Geesaman ¥J~ ~ Hl1shal1d and Wife as Tenants by the Ent ireties Borrower IS the lllortgagor under tIns Secunty Instmment. (C) "I\lERS" is Mortgage Ekctronic Re:gistratiol1 Syste:JIlS, Inc. JvLERS is a separate corporation that is acting sokly as a nominee: for Lend a and Lender's successors and assigns. l\tERS is the mortgagee under this Security Instrument. MERS is orgauized and existing under the laws of Delaware, and has an address and tekphoœ number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. \VYOI\UNG n Singlò P:unily .. P'dllUÒ MàÒ, IPròddiò Mª-L- d,ò Ma, ,~, UNIPORM JNSTRUMENT Form :1051 1/01 .. ~rÆ" t/ (Page 1 of 18) 327713801 lmhals: ~ Ll"4,,,, 3 4 5 GI\IACI\I - CMS.0042. WY (0001) í ' r- !ì, (" t:: 1"'7 '1' '.',) J J . c'" Ö/¡\ L'fl ,_~¡ "'_ ..:..J 1- -<;-'-'-~ (D) "Lender" is Gt~C Mortgage Corporation Lender is a Corpora t ion ~wsof Pennsylvania 100 ì'Jitmer Road, P.O. Box 963, Horsharn, PA organized and existing under the . Lender's address is 19044 (E) "Note" means ùle promissory note signed by Borrower aud elated November 30, 2005 . The Note states ùlat Borrower owes Lender One Hundred Eighteen Thousand Two Hundred Fifty and 00/100 Dollars (U.S. $118,250.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2020 (F) "Property" means the property that is described below unda Ùle heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due uncler the Note, and all StUBS due under this Security lnst!1JnJent, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riclers are to be executed by Borrower [check box as applicable]: D D D Adjustable Rate Rider Balloon Rider OÙler(s) [specify] D Condominium Rider D D Biweekly Payment Rider ~ D PlallJled Unit Development Rider Second Home Rider 1-4 Family Rider (I) "Applicable Law" means all controlling applicable federal, state amI local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicabk tinal, non-appealabk judicial opinions. (J) "Collllllunity Association Dues, Fees, and Assessments" means all dues, fees, assessments and oÙler charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar orgarúzation. (K) "Electronic Funds Transfer" means any transfer of funds, other tllan a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic ternúnal, telephonic instrument, computer, or magnetic tape so as to order, instl1Jct, 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 tdephoue, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (1\1) "l\1iscellaneous Proceeds" means any compen~dtion, settlement, award of damages, or proceeds paid by any tl1Îrd party (otller than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or otller taking of all or any part of tlle Property; (iii) conveyance in lieu of condenmation; or (iv) misrepresentations of, or on1Îssions as to, tlle value and/or condition of [be ~)erty. /' \\'YOJ\IING - SUl¡;l. FiUllily n FalUu. tla.IF,.dd,. t{.,. UNIFüRtllNSI RUMENf Form 3051 I I / ''/i/0 G!\IAC!\l- C!\lS.0042.\VY (0001) (Page 2 of18) Initials: ....- _,\,,6) ( . ;¡. ..t~ /-', r~') ., ,/Ii. 1\ ,~(k ~ "':_~ .L..-~ ::.: nC5?5 (N) "l\lortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal ancl interest uncleI' the Note, plus (ii) any amounts uncler Section 3 of this Security [nstmment. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 USe. §260] et seq.) and its implementing regulation, Regulation X (24 e. F .R. Part 3500), as Ùley might be amended from time to time, or any additional or successor legisJation or regulation that govems the same subject matter. As used in this Security Instrument, "RESP A" refers to all requirements and restrictions ùlat are imposed in regard to a "federally rdated mortgage loan" even if Ùle Loan does not qualify as a "federally related mortgage ]oan" under RESPA. (Q) "Successor in Interest of Borrower" means any party Ùlal has taken title to the Property, wheÙler or not ùlat party has assumed Borrower's obJigatioIls under Ùle Note and/or ù1is Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) Ùle repayment of the Loan, and all renewals, extensions and llloditications of Ùle Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to Ùle successors and assigns of lVIERS, with power of sale, the following described property located in the Coun t y [Type of Rewnling Jurisdictiun] of Lincoln [Name of Rewrding Juris,lktiullj SEE SCHEDULE "A" ATTACHED HERETO AND MADE A PART HEREOF'. which currently has ùle address of 4660 County Road 122, {')Ireel/ Bedford , Wyoming 83112 ("Property Address"): [City/ /Zip Code] TOGETHER WITH all the improvements now or hereafter erected all Ùle prupeLly, and all easements, appurtenances, and tixtures now or hereafter a part of the property. All replacements and additions shall a]so be covered by this Security IIlstrument. All of the foregoing is referred to in this Security Instrument as Ùle "Property." Borrower understands and agrees Ùlat MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply WiÙI jaw or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, induding, but not limited to, Ù1e right to foreclose and sell the Property; and to take any actioll required of Lender including, but not limited to, releasing and canceling tllis Security Instrument. ¡/ \VYOJ\IlNG -- SiJl¡¡Je Family -- Famue Mae/Freddie Mac IJNJFOR¡"IINSTRIJMENT Form :\051 lIO~-=- ,/ J\ Gl\fACJ\I - C!\JS.()()42.WY (OOOI) (Page 3 of 18) IHitiab)<F'· f'Jj / 1'.J ...' ,.':;' !{,'~ r" ", ~ I _)'..J:Lb (, ¡" r', r:: 1"1 G \. ',) U J ( BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey Ùle Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally Ùle title to Ùle Property against aJI claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNlFORtvl COVENANTS. Borrower and Lender covenant amI agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due Ùle prilll:ipaI of, and interest on, Ùle debt evidenced by Ùle Note and any prepayment charges and late charges due under the Note. Bormwèf shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check ()r other instrunlent received by Lender as payment ullCkr the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and ùlis Security Instrument be made in one or more of 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 fc:deral agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at Ùle 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 p:l)'ment if Ùle payment or partial payments are insufficient to bring the Loan current. Lender n~(y accept any payment or partial payment insufficient to bring Ùle Loan current, wiù]()ut waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in Ùle future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest (In unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the L.oan current. If Borrower does not do so within a œasonable period of time, LeJj(kr ~hall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to Ùle outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall rc;lieve 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 mder of priority: (a) jnterest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any relmlining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and Ùlell to reduce the prillcipal balance of the Note. LOAN NO: 589616309 ~7 \\'YOj\HNG -- Sing1< Panùly -- Fi""",'e Mae/Freddie Mile lINIPOIU\llN';T1WMENT Form 3051~'~ / tæ ,-J": GMACM - Cl\1S.0()"2. WY (0001) (Page .¡ of 18) Initia{ .- . \~-j (~,.;? (' (\ r'. f:: tw'~ ~'ï " ,) t J , I If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufticient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received tÌ'CJlll Borrower to the n:payment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more PaiocJic Payments, such excess may be applied to any late charges due. Voluntary prepaYlllents shall be applied tirst to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments an: due under the Note, until the Note is paid in full, a Stlln (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and OÙJer items which can attain priority over ùlis Security Instl1lment as a lien or encumbrance on the PrÓperty; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any amI all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any Sl1Ins payable by Borrower to Lender in lieu of the payment of tvIortgage Insurance premiums in accordance WiÙl the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require: ùJat Community Association Dues, Fees and Assessl11e:nts, if any, be: escrowed by Borrower, and such dues, fees, and asse:ssments shall be an Escrow Item. Borrower shall promptly furnish to Le:nder all notices of amounts to be paid under this Se:ction. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Le:nder may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time:. Any such waiva may only be: in writing. In ÙJe e"e:nt of such waiver, Borrowe:r shall pay directly, when and where: payable:, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as Ùle phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lemler any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufticient to pe:rmit Lender to apply the Funds at the time: specified under RESPA, and (b) not to exceed the maximum amount a lender can req uirc: under RESP A. Lender shall esti luate the alllO lJut 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. LOAN NO: 589616309 _ /? \VYOI\UNG -. Sin¡:Jo Family -- Pamu" Mae/Freddie Mac 1 JNIFOR~j IN:'TRUMENT Form 3051 1/(, ,lj/ / GI\IACM - CMS.0042.WY (OOOI) (Page 5 oIlS) Initials: ¿-;;fP , :' '-I r', r:: ,'1 n \.' ',) t: J , 0 , "/)'\1 qt; ¡i ..~, .._j "..__J..-:.....----.L. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution \\Jlose deposits are so insured) or in any Federal Home Loan Bank. Lender s]¡;dl apply tlle Funds to pay the Escrow Items no later than the tiwe specitier! under RESPA. Lender shall not charge Burrower for holding and applying the Funds, alUlUally analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid l)]} ùle Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on Ùle Funds. Lender shall give to Borrower, without charge I an annnal accounting of the Funds as required by RESPA. If ùlere is a surplus of Funds held in escrow, as defined under RESP A, Lender shall account to Borrower for the excess funds in accordance WiÙI RESPA. If ùlae is a shortage of Funds held in escrow, as detined under RESPA, Lender shall notify Borrowèf as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance WiÙI RESP A, but in no more than 12 lllonùJly paymeuts. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deticiency in accordance with RESPA, but in no mon: than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Leuder shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, tines, and impositions attributable to the Property which can attain priority over ùIis Security Instrument, leasehold payments or ground rents on the Property, if any, and Com1l1unity Association Dues, Fees, and Assessments, if any. To ùIe extent tltat these items are Escrow Items, ßorrowèf shall pay tht:1Il in ùIe manner provickd in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instnllnent unless Borrower: (a) agrees in writing to the payment of tlte obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing suclt agreement; (b) contests the lien in good faith by, or defends against enforcement of tlte lien in, legal proceedings which in Lender's opinion opaate to prevent tlte entè>rcemellt of the lien while ùlOse proceedings are pending, but OIùy until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lendèr detenuines tltat any part of the Property is subject to a lien which can attain priority over ù1Ís Security Instrument, Lender may give Borrower a notice identifying ùIe lien. Within 10 days of tIle date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in tltis 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 tIle improvements now existing or hereafter erected on the Property insured against loss by tire, hazards included wiù>in the term "extended coverage:," and any otIler hazards including, but nut limited to, eartIlquakes and floods, tè)r which Lender requires insurance. This insurance shall be maintained in tIle amounts \\'YOl\HNG n Sm¡;1e Family n F¡uuùo ~aeIFml<jje Mac UNIFORM IN~'TRU~IENT Form JU51 IIO~ Gl\IACM - Cl\IS.OO·U.\VY (000]) (Page 6 of 18) Illiti¡¡1s;/~?"': , ¡_i,,:~ ...:¡'. /~¡~ r"'···þ ',I ~ ' ,< -!.L'-¡¡: , ;. !ì, 1'. t:,- ~1 9' \.,.I t. d , (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during ùle term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borro\ver's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, eiùler: (a) a one-lime charge tin tlood zont determination, certification and tracking services; or (b) a one-time charge for tlood zone determination and certitication services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certitication. Borrower shall also be responsible for the payment of any fees imposed by ùle Federal Emergency !vfanagement Agency in connection with ù]e review of any Hood zone determination resulting frum an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insuranCé coverage so obtailltd might sigJúticantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under ùlÎs 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, wiù] such inte:rest, upon notiCè from Lender to Borrower requesting payment. AU insurance policies required by Lenda and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shaU name Lender as mortgagee and/or as an addition.d loss payee. Lender shaU have the: right to hold the policies and renewal certiticalès. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shal! name Lender as mortgagee and/or as an additional loss payee. In ùle event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promplly by Borrower. UnJess Lender and BOlTOWèf où]erwise 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 Properly, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportmùty to inspect such Property to ensure the work has been completed to Lender's satisLlction, provided that such inspection shall be undertaken promptly. Lender nillY disburse proceeds for the repairs and restoration in a singJe payment or in a series of progress payments as the work is compJeted. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lenda shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjustèfs, LOl\.N NO: 589616309 ~ \VYOMING -- Single Family -- Fam"e Mao/Freddie Mil" UNIFORM INSTRUMENT Form 3051 1/0 Á"" / j GMACM - CMS.0042.WY (0001) (Page 7 of 18) 111/ _'. I<.J. r~ i (-. .'"ì r' !~: (ì '''ì I~ .~) t. \.J i..) 4J or où¡er ùÜrd parties, retained by Borrower sh;,¡llnot be paid out of ù¡e insurance: pH)(;e:eds and shall be ùIe s(,k obligation of Borrower. If ù¡e restoration or repair is ¡lOt e:collolllically k;,¡sibk or Lender's security would be lessene:d, ù¡e insurance: proceeds shall be applj¡;d to tile SU11JS secured by ùlÎs Security IllStrume:nt, wheù¡èr ur Ill)1 tile:n due, wiù¡ ù¡e excess, if any, paid [() Borrower. Such insurance proce¡;ds sl¡all be applj¡;d in ù¡¡; urder provided fur in SeClion 2. If Borrower abandons ù¡e Propeny, L¡;nder may tile, n¡;gotiate and settle auy available insurauce claim aud related nla([as. If Borruwe:r does not respond wiù1Ïn 30 days to a notic¡; trüm Lender that ù¡¡; insurance carrier has ofkred tll S¡;ttle a claim, ù¡en Lenda nillY negutiat¡; and settle ùIe claim. The 3D-day period will b¡;gin when ùIe notice is given. In eiÙ¡er ¡;vem, or if Lender acquires d¡e Property unJu Sn:tion 22 ur oLherwis¡;, Borrower here:by assigns to Lender (a) Burruwer's rights to allY illsurance proceeds in an amouut not to exceed Ù¡e amoums uupaid uuda Ù¡e Note or this Security Instrument, and (b) any où¡er of B'JrrU\\er's rights (où¡er Ù¡an die right to allY rdund of unearned pr¡;mÍlllns paid by Borrowa) unda all insurance polici¡;s covering d¡e Property, insofar as such rights are applic;,¡bk ((J Ùle: co\,¡;rag¡; of Ùl¡; Propeny. Lellder may use ù¡e insurance proceeds eiù¡er to r¡;pair or r¡;SLOre ù¡¡; Pmperty or to pay amounts unpaid mlder ÙIe Note or ù1Ïs Security Illstrume:m, wll¡;ùler or not ù¡¡;n due. 6. Occupanc)'. Borrower shall occupy, establish, and US¡; ù¡e Property as Borrower's principal r¡;sidence within 60 days after tl1e execution of d¡is Security Instrument and shall continue to occupy me Property as Borro\\er's principal residellce for at least one year after tl1e dale of occupaucy, u¡ùess Lellder où¡erwise agr¡;e:s in writing, wl1icl1 consem shall not be uureasolillbly wiùIheld, or UJùess extelluating circulllstallces exist whidl are: beyolld Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrow¡;r shall not destroy, damage or impair ùle Property, allow dIe Property to deteriorat¡; or coIllInÏl waste on dIe Property. Whether or IIOt Borrower is residing in ù¡¡; Property, Borrower shallmaimain Ùl¡; Property in order to prevem ùle Property from deteriorating or d¡;creasing in value due to its condition. Unless it is determined pursualll to Sec:lion 5 Ù¡al repair or r¡;swralion is not economically feasible, Borrowa shall promplly repair dIe Property if damage:d to avoid furÙler deterioration ur daIlillge. If insurance or cLJndenlI1ation proceeds ar¡; paid in connection wiù¡ damage to, or d¡e taking of, ù¡¡; Property, Borrower shall be responsible for repairing or restoring dle Propeny OJùy jf Lender has released proceeds for such purposes. Lellder may disburse proceeds for the repairs and r¡;slUration in a single paYl1le:m or in a series of progress paymems as ù¡e work is completed. If dIe insurance or condemnation proceeds are nOI sufficient to repair or restore d¡e Property, Borrower is not reli¡;ved of Borrower's obligation for ù¡¡; completion of sudl repair or restoration. L¡;nder or its agem nillY make reasonable entrie:s upon and inspectioIls of ùle Property. If it has reasonable cause, Lender nillY impecl Ù¡e imaior of dIe illlprovemems on Ùle Property. Lender shall give Borrower notice at tile tilll¡; of or prior to suclr au intnior inspe:Clion specifying such reasollable cause. 8. BOI-rawer's Loan Application. Borrower shall be in default if, during ù¡e Loan application process, Borrow¡;r or any persons or entities aClÌug al ùIe dir¡;ctioJj of Borrow¡;r or WiÙI Borrower's knowledge or comelll gav¡; nillt¡;rially fals¡;, misleading, or ÎIillccurale infoIlllation or statements to Lender (or failed to provide L¡;nder \\'iùJ Ililltnial infonJlation) ÎI¡ \\'YOl\IlNG.. Sm¡;lc FlUmJy n hlllùo tlkFreddio ~.läc urnFORM INSTRlH,lLNT I;"m J051 J/OI .! /),11 GM.-\Ü\l- CJ\1S.00'¡2.WY (OOOJ) (Page 8 oj JIi) IH.iliuh~~, . -. )/r I';:" - ~ J (" '-,' r' I'"~ 8,-' \ :\.\.J..... (.. :} . ,.I '-' .J.. -- conllection WiÙl ùle Loan. Material represe:matiolls include, but are: not limite:d to, rc:prese:ntations couCèflÜng BOlTowe:r's occupancy of Ùle: Property as Borrower's priucipal reside:uCè . 9. Protection of Lender's Interest in the Property and lUghts Under this Secudty Instrument. If (a) Borrower fails to perform ùle covelwnts and agrc:ellle:nts cOHtained iu this Se:curity Instrument, (b) ùlere is a legal proce:e:diug ùlat núglH siglúticantly affect Lender's iutae:st in Ùle: Property and/or rights undn ù1Ís Security IllStrumeIlt (such as a proceeding in bankruptcy, probate:, for condwll.Wriou or forfeiture, for enforcement of a !jen whic!J uwy attaiu priority over ùlÍs Security Instrument or to enforce: laws or regulations), or (C) Borrower has abandoued ùle Property, ùlen Lender may do and pay for whate:ve:r is re:ascJlwble or appropriatè to protect Le:llder's intaest in the Property aud rights under ù1Ís Security IllStrullleHt, iHcluding protecting and/or asse:ssing the value of Ùle: Property, aud se:curing and/ur re:pairing the: Property. Lender's actions can include:, but are uot liuúted to: (a) paying any sums se:cure:d by a lie:n which has priority ova ù1Ís Se:curity Instrume:nt; (b) appe:ariug in coun; aud (C) payiug rc:asouabk attoTlleys' fees to protect its interest iu Ùle Property and/or rights uuda ùÜs Security Instrument, including its secured positiou in a bankruptcy proCèeding. Se:curing dIe Property includes, but is not linúte:d to, e:me:ring dIe Prope:rty to make: repairs, change: locks, re:place: or board up doors and wiudows, draiu wata fJUJU pipes, elinúmte: building or Oùler cock violatious or dangerous conditions, and have utilitie:s turned on or off. AlùJOugh Le:nder may take action under ùIÍs Se:ction 9, Leuder does not have: to do so and is not under any duty or obligation to do so. It is agreed t!Jat Lender incurs IJU liability for nut taking any or all actions authorized undn dÜs Sectiun 9. Auy amounts disburse:d by Le:ndc:r under dlÍs Sèction 9 slJalJ becume additiouaJ de:bt uf Borrower secured by d1Ïs Security Instrumeut. Thesè amoums shall bear interest at ùle Note rate ÍÌ'om dle date of disburse:me:nt and shall be payable, widl such iutc:n:st, uponuotiCè trom Lendn to Borrower requesting payrnellt. If d1Ís Security InstrumeIJt is on a leasehold, Borrower shall cOluply \vidl aJ] dIe provisious of dIe lease. If Borrower acquires fee: titk tu tlìe Prope:ny, dIe lc:asdJOld amI ¡]¡e: fee title shall not merge uukss Lender agrees to dIe me:rge:r in writing. 10. l\1ortgage Insurance. If Leude:r required tvlongage lJjsurauce as a conditiou of makiug ùle Loau, Borrower shall pay dIe: premiums rc:quirc:d to maiHtain tlle I'vlortgage: lnsurance in effect. If, for auy reason, dle Mortgage Insurance coverage requirèd by Le:nder ceases to be available from the lllOrtgagè illSurc:r Ùlat previously provided such insurance and BOlToII'èr 1I'a'; require:d (0 nlale sèparatdy designated payments tow¡¡rd dle prc:miums for Mongage lnsurauce, Borrower shal1 pay dle premiums requirc:d to obtaiu coverage substantially equivakut to Ùle Nlortgage lusuranCè previously in effect, at a cost substautial1y èquivakm to ùle COSt to Burrower of dle Mortgage IusurauCè previously in effect, ÍÌ'om an alternate: mortgage iusurer selected by Lender. If substantial1y equivalem I'vfortgage: fllSurance: coveragè is not available, Borrower shall continœ to pay to Lender dle amount of dIe separatdy de:siguared paymeuts ¡]rat were due whe:n dle iusurance coverage ceased to be in dlecL Lender will acce:pt, use and retain Ùlese payments as a non-refundable loss reStIve: in ]jeu of l'vlongage Iusurance. Such Joss reserve shall be nOlHefuudabk, notwiùlstallding dle: fact that dIe: Loan is ultimately paid in full, and Le:uder shall not be: required to pay Borrower auy imerest or earniugs ou such loss rc:se:rve. Lènder can no longer rc:quire: loss reserve payments if I\lurtgagè Insurance cU'r'èfage (in dIe LQ~~ NO: 589616309 ~ \\,YO¡\U:\G -- Sm¡;lc Family -- Luuu" ~la"!F,dli" 11., UNIFOJU.l I¡'¡SrRlI,\lH:T Fam, 305! 1¡D'1-2;:>/) / \~ Gl\1ACM - CMS.0042. WY (OOOl) (Page 9 of 18) In.i!ials:?-':( F) ¡:) ./ I ( I '. ~.~ (, - ". i ~ C' () ~,;:~)tj(..¡ ~.I \..... amount and í()r ùle period Ù¡:.lt Lenda require~¡ provided by an i11Surer selected by Lel1dtr again becumes available, is obtained, and Lenda requjre~ ~eparatdy desiguated payments toward the premiums fur Mongage Insurance. If Lender required Mongage insurance: as a conditiol1 of making Ùle Loan and Borrowa was required to make separately desigwned payments toward the premiums for l'vlortgage Imurance, Borrower shall pay ùle premiulllS required to maimain Ivlongage Insurance in effect, or to provide a non-refundable luss reserve, umil ù¡e Lel1der's requiremem for Ivlortgage insurance ends in accordance wiùl any wrirten agrtemel1t bttwem Borrower and Lender providing f()r such tennination or until tenniuation is rtquirecl b) AppIiL.:able Law. NoùlÌng in ùlÌs Section 10 affects Borrower's obligation tu pay Ímertst at llie rale pmvidrd in ùle Note. I'viongage Iusuranœ reimburses Lender (or any emity Ùlat purchases Ùle NCHe) for certain losses it may incur jf Borrower doe~ nut repay Ùle Loan as agreed. Burrower j~ not a pany to Ù¡t lvlortgage Insurance. Mortgage insurers evaluate ù¡c:ir total risk on all such il1surallce ill f(Hce from time to time, aad may enter into agreemtnts wiùI oùJa panies Ù¡at share or modify ùleir risk, (H reduce losses. These agreemtnts are on tenllS and conditions ùlat are sati~facLOry [U ù¡e lJlOngagt insurer and ù¡e oùltr pany (ur parties) to ùltse agreements. These agretments may require ùle mortgage insurer to nwke paymems using any suurct of funds ùlat ùle mortgage insurer may have available (wliich may include funds ubtaintd from 1\lortgage Insurance pren¡iums). As a result of ùlese agreemems, Lenda, :my purchaser of Ùlt Note, anuther insurer, any reinsurer, any oÙler entity, or any affiliate of any of ùle foregoing, may rective (djrectly or indirtctIy) amounts ùlat derive from (or might be characterized as) a purtio]J of Borrower's payments fur Mongage imuranct, in exchange for sharing or modifying ùle 11longage insurer's risk, or reducing losses. If such agreement provides ùlal an affiliate uf Lender takes a share of the insurer's risk in exchange for a shart of the prc:miums paid to tht insurer, tIle arraugtlJJtm is ofttll ttrmed "captive reinsurance." Furù}er: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and [fley will not entitle Borrower to any refund. (h) Any such agreements will not affect the rights Borrower has - if any - \lith respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to recei"e certain disclosures, to request and obtain cancellation of the l\lortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to recei"e a refund of an} Mortgage Insurance premiums that wel'e unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscdlautuus Pructeds aft hereby assiglltd to and shall be paid to Lender. \\'Y(t\lE\G u S¡n¡;Ie FauuJ)' u Filla"" M.c/Fr,JJ¡c ~l." l'~:IFOR¡'ll',Sl1(lil,lHn ""","' "",--y;;J,, // /~ Initials: ¿Y KAJ ..:;- . . / Gi\lACi\l - CMS.uo·n.WY (00U1) (Page j() ollS) 2.(:·~·j ,-, -, ", ,- 8 'l :. (j U J '0 If the Property is damaged, such Miscellanc:ous Proœeds shall be Jpp]ied lO restoration or n:pair of die Property, if dIe resturalion or rc:pair is ecouollJically feasible and Lender's security is nOI lessened. During such repair and restoratiou period, Leuder shall have l]¡e righl (0 hold such Misœllaneous Proœeds umil Leuder has had an opportunity to inspect sudJ Property to ensure: die work has be:en complc:ted [0 Lende:r's salist'actiuu, pn)\ided dlat sudJ inspe:ction shall be undertakw promptly. Lender may pay fur dIe re:pairs aud re:slOration in a single disburse:ment or in a sc:ries of progrc:ss payments as dIe: work is cowplc:ted. Unless au agrc:e:ment is made: iu writing or Applicable La \\' re:q uire:s imc:re:st to be: paid ou such Miscellane:ous Proceeds, Lender shall not be: required to pay Borrower any interest or ean¡jugs on such !vliscellaneous Proceeds. If the reslOralion or repair is not ecouOJnically feJsibk or Lender's security would be: lc:sse:ned, die Miscellaneous Proœeds shall be applic:d to dJe sums secured by dlis Security Instrumem, whe:dler or not dlen due, widl dIe: excess, if an)\ paid to Borrower. Such Miscellaneous Proœeds shall be applied in die order provided for in Section .2. In die event of a total taking, deslruction, or loss in value of dJe Property, dIe Ivliscellaneous Proœeds shall be applied to dIe sums secured by dlis Security InSlrUmellt, whedler or not dlen due, wid¡ dle exœss, if any, paid lO Borrower. In lhe event of a partial taking, deslruction, or loss in value of die Property in which the fair market value of dle Property imlllediately befure the partial laking, deslJuction, or loss in value is equal to or greater dlan dIe alllouut of die SUillS secured by d¡js Security Instrument imlJJnIialely before the partial taking, destruction, or loss in value, unless Borrower aud Lender odlerwise agree in writing, dle sums secured by dlis Security Instrument shall be reduced by the amount of die Miscellaneous Proœeds multiplied by lhe folluwillg íÌ'action: (a) ùle [Owl amOUJJl of the sums secured immediately before die partial taking, destructiou, or loss ill value divided by (b) die fair market value of dIe Property immediately before IlJe panial taking, destruCliou, or loss in value. Any balance shall be paid [0 Borrower. In dIe event of a partial taking, destruction, or loss in value of dJe Property in which the fair market value of dIe Property Í1Ulnc:dialely before Ùle panial lakiI1g, destruction, Uf IIJss iu value is less dlan dIe amount of dIe sums secured iU11l1edÍ;¡¡c! y before dle partial rabng, destruction, or loss in value, unless Borrower and Lender Odlerwise agree in writing, tlle !vliscellaneous Proceeds shall be applied to we sums secured by this Sc:curity Illstrumellt WheÙlc:r or not dle s11ms are dlen due. If dle Property is abandoued by Borrower, or if, afler notice by Lender to Borrower dlat dle Opposing Party (as deJiued in dle next semence) offers to make an award LO settle a claim for damages, Borrower fails to respond to Lender widlin 30 days after dle daœ the notice is given, Lender is audlorized lO collect and apply dle I\1iscellaneous Proceeds tiÙler to restoration or repair of dle Property or to dle sums secured by dlis Security luslrumem, whellltf or not dlen due. "Opposing Party" meum dJe dlird pany dlat owes Borrower Miscellaneous Proceeds or dle party against whom Borrower lias a righl of action in regard to !vliscellaneous Proceeds. LOlUJ NO: 589616309 ___--/} \\,ì'Ül\llNG u Si11~~ Family -- FiI...u.uÚ: !\l.u;:/Frtddu: ~,1~~ UNJFORt\! JNSTRUl\1ENT l'orm 3051 1Iõ.i / .J.¿J/ G!\lACl\f - Cl\1S.00-l2. WY (0001) (Pa!f(' 11 of 18) Initials: .>-'::---:t7 //~ ir{.-~ J r' ;"\ r', r-: Q r1 _ ',;\) 0 v ':¡¡: BO!Towe:r shall be in default if any action or pwc:ceding, whetl1e:r c:ivil or criJl!illal, is begun Úlat, in Le:nde:r's judgme:nt, could re:sult in forfe:ituœ of Ùle: Propaty or oùler rnatnial impairment of Le:nder's imerest in Ùle: Property or rights under ùJÍs Security Instrument. Borrower can cure such a dd'ault and, if acceleraLion has occurred, reinstate as provided in Sectioll 19, by causing ùle action or pruLeedillg to be dismissed WiÙI a ruling Ùlat, in Lender's judgment, prtcludes forfeiture of ùle Property or Otller matnial impairmellt of Lender's jmerest in Ùle: Propaty or rights under ù1Ís Se:curity lnstrumem. The: pruceeds of auy a ward or claiw for damage:s ùlat are attributable to Ùlt impairmellt of Lender's imerest ill Ùle ProptTty art hereby assigned aud slrall be paid ¡d Lenda. All Miscellaneous Proceeds ¡hat are: nut applied !O rc:swraIion or repair of ùle Propeny shall be applied in the orde:r provided for in Se:ctiOl1 2. 12, Borrower Not Released; Forbearance By Lender Not aWai\er. Extensioll of ùle LÍme for paymem or modification of anwnizaLÍoll of ùle sums se:cure:d by ù1Ís SecurilY Instrument granted by Le:nder to BO!To\ver or any Successor ill Intaest of Borrower sllall nut ope:rate to rde:ast Ùlt liability of Borrowe:r or any Successors in Imtrest of BO!Tower. Lender shall not be: required to COlll1ntnCt pruceedillgs against allY Successor in Imerest of Borrower or to refuse to extend time for paYIlle:nt or oùlawise modify amonizatÎon of Ùle: sums secured by this Security Instrume:nt by reason uf any dellland ulade: by ùle lJrjginal Borrowef or any Successors in IntèTe:st of Borrower. Any forbearauce by Lende:r in txacising any right Of Tèmedy including, without limitation, Le:nder's acceptance of paymellls from ÚJÍrd persons, e:mitÎes or Succe:ssors in Intae:st of BorrowèT or in amouuts kss ùlau Ùle amoum ùlen due, shall not be: a waiver of or preclude ùle e:xacise of auy right Of rc:medy. 13, Joint and Several Liability; Co-signel's; Successors and Assigns Bound, Borrowe:r cove:nants and agree:s that Borruwa's obligations and liability shall be: joiJJt aHd sevaal. Howe:ver, any Borrower who co-signs ù1Ís Se:curity Instrument but does not eXe:cute ùle Note (a "co-signa"): (a) is co-signing ù1Ís Security Instrumwt only to nHJrtgage, grant and convey Ùle: co-signer's imerest iu the Property under Ùle: [trms of ù1Ís Security Instrulllem; (b) is not pasoJlally obligated ro pay dIe sums se:cured by ù1Ís Security Instrument; and (c) agrees Ùlat Le:uder and any otiler Borrower can agree: ro extwd, modify, forbear or make any accomlllodations wiùl regard [0 rIle terms of ùLÍs Security Il1StrUJuem or ùle Note WiÙlOUt dIe co-signer's consent. Subje:ct [0 ùle provisions of Se:ction I 8, any Successor in Ime:res[ of BOITowa wIJO aSSUl1le:s Borrower's obligations under ù1Ís Security Instrument in writing. and is approvtd by Lenda, shall obtain all of Borrower's rights and be:udits under ùlis Security Instrument. Borrower shall not be rdease:d from Borrower's obligations and ljabiJity under tlLÍs Stcurity Instrume:1lt unless Le:nde:r agrees [0 suclr release in writing. The: COVe:lIaIHS and agle:emeuts of ùlis Security ll1strumeut shall bind (e:xcept a; provided in SeLtion 20) ami bendit Ùlt: successors aud assigns of Lender. -_// d \\'YO;\1I1\'G -- Sill!# Fiúruly -- Fiúuue }.¡".'F'cddl< ~¡aç U>,jPOR~¡¡;'iSTRU~¡ENT Fonn JOSl 1101 /" Ö/ //v. GIIlACJ\1- CJ\lS.UU42.WY (0001) (Page 12 0/18) 111..itials:/7Y" ,Ii/r- ,. ,-, r, ...... ('_ i~:·· ~, ':; \.' 0 () J :.:.: .¡ 14. Loan Charges. Le:uder u4lY charge Borrower fees for services perfunned in conuectiou with Borrower's dc:fault, for ùle purpose of protecring Le:nder's imerest in the: Prope:ny and rights unde:r this Security lnstrume:lll, including, but lIO[ limi te:d to, atwrueys' fees, propeny inspection and valuation fees. In regard to any OÙ¡c:r fees, ùle absence of express authority in ùÜs Se:curity Instrument to charge a specitic fee w Borrower shall not be construed as a prohibition 011 Ù¡e: charging of such fee. Lender IJ4!Y not charge: fees that are: expre:ssly prohibite:d by this Security Instrument or by Appli¡,;able Law. If ùIe Loan is subject to a law which sets 1I4Iximumloan charges, and Ù¡atlaw is tïnally interprc:ted so ùIat the interest or où¡er loan charges collected or to be collected in cOllllection WiÙI ùle Loan exceed ù¡e permitted linùts, ù¡en: (a) any such loan charge shall be redu¡,;ed by Ù¡e amount necessary to reduce ùle charge to ùle permitted limit; and (b) any sums already collecred from Borrower wlúch exceeded peruútted limits will be rc:funded to Borru wer. Lender u4lY chouse to n4lke this refund by rc:ducing Ù¡e: principal uwed under the NUle or by making a direct payment to Borrower. If a refund reduces prim:ipal, Ù¡e: reductiun will be treated as a partial prepayment wiÙlOnt any prepayment charge (wheùler or nOl a prepaymem clJarge is provided for uudc:r ¡he Note). Borrower's accepran¡,;e of allY such refund n4lde by dirtct paymtnt W Borrowe:r will constitutt a waivtr of any right of action Borrower might have arising out of such ovtrcharge. 15. Notices. All Nutices givtn by Borrower or Lender in counectiolJ wiù¡ ùùs Stcurity Instrumtlllmust bt in writing. Any notict [0 Burruwer in connectiulI wiùI ùùs Security Instrument shall be deemed to have been given to Borrower wheu mailed by first class mail or wbe:n actually delivered to Borrower's lIotict address if sent by oÙler means. NCJlice [lJ any ont Borrowtr shall constitutt notice to all Borruwtrs UlÙtSS Applicable Law txpressly requires oÙltrwise. The notice address shall bt ùle Property Address ulùess Burruwer has dtsigl4lttd a substitutt notice address by notice to Ltnder. Burrower shall promplly lIutify Ltndtr of Borrower's change of address. If Lende:r sptcitïes a prOl.:tdure: for repurting Burrower's cÜaJJge of address, Ùle:Il Borrower shall OlÙY repon a changt of addrtss tlJrough Ùlat specified procedure. There: 1l41Y be: OlÙY OIlt desig141ted Ilotice addre:ss undtr this Stcurity lustrulllem at anyone: time. AllY 1I0tiCe: to Le:nde:r shall be: givèll by ddivtring it or by n4liling it by fir~r class mail to Le:nder's addrc:ss stattd htrtin UJÙtS~ Ltnder has dtsigl4lleJ :¡¡¡utlJer addrtss by notice to Borrowe:r. Any uotict in connection with tllis Security Instrumtnt shallllot be dee:med to have been give:n to Lendc:r unril actually rtctive:d by Lende:r. 11 auy notice rtquire:d by tllis Stcurity Instrument is also required under Applicable: La\\', the Applicable Law requirtmenr will ~atisfy Ùlt corre:sponding rtquireme:nt unde:r this Se:curity Instrument. 16. Goyerning Law; Scverability; Rules of COJlstruction. This Security InSlrUmeJlt shall be: gove:rued by federal law and the law of tilt jurisdiction in which tile Property is locale:d. All rigllls and obligations contained iJl tllis Stcurity lnstrumelll arc: subje:cr to any rtquiremelJlS and linlitations of Applicable: Law. Applicable Law might e:xpJicirly or implicitly allow tlle parties to agrc:e by conrract or it might be: sileJlt, but such sile:nce shaH nOl be con~trued as a LOAN NO: 589616309 , ", ~'l' \VYOl\llNG .. Smgk Family.. hwue Mae,Frodille ~l"c IJNIFOR~j INSTIWMEt-:T 1'01'013051, ./0j J._¡J GJ\IACi\1- CMS.00-l2.WY (0001) (Page 13 oI18) !jútiaJs/:'ä/ / '.',-.. ,..... f,..l (~ n ,)\.;JÓU prohibition against agreel1lellt by cOluract. III ùIe e\'eiH ùlat any prO\'lSlOll or clause of ù1Ís Security lnsmullelH or ùle NO!e confEcts \I'iùl Applicable Law, such cOlltlicL sllall litH affect oùler provisions of ù1Ís Security lnsLTuIlleut 01 ùle NOLe whicll can be givell dlèCL wiùlOut Ùlè cont1icting provision. As used in ùlis SecuriLY InsLfUlllêm: (a) words of ùle l1laScu]jllè gellder sllal] mean and include corresponding neuter words ur words or ùle kminillê gènder; \b) words ill the sillgular sl1alll1lean and include ùle plural aIld viœ versa; aud (c) ùle \Iord "may" gives sule djsCIèLion WiÙlOUL allY obligatioIl to take any action. 17. Borrower's Copy. Borrower shall be given one copy of Ulè NOLè aud uf this Security InstfUlllènt. 18. Transfer of the Property or a Bendiciallnterest in £OITO\\er. As ll,èd in ù1Ís SecLion 18, "Interest in ùIe Property" means aUY legal or bendicÌJl imeresL iu Ùle: ProperlY, includiug, bUL nOL limited to, those bèlldicial interests transìáred in a bOlld fUf dèed, COlllJact for deed, illsral]¡llêllt saks contracL or escrow agrèelllellt, ùle illLèllL uf which is ÙIe: trauskr of LÌtle by BOITower at a future daLè [0 a purcllase:r. If all or auy pan uf ùle Propeny or allY Imerest in Ùle Prupeny is sold or transkrrecl (or if Borrower is not a naLural persou and a bendicial illterèSL iu Borrower is solcl Of transferred) WiÙlOUL Lender's prior writtêJl cousent, Lender may require iuunediate payment iu full of all sums secured by ùlis SecurilY InstfUmèllt. However, ù1Ís optiuu sl1alllloL bè exercised by Lender if such exercise is prohibited by Applicable Law. ' If Lender exercises ùlÌs opLÌon, Leuder sllall give BOITo\\'er nOLice of accekratiou. The norice shall provide a period of nOL less tl1:ll1 30 days Ùom ùle dale ÙJè nOlice is given iu accmdance wiùI Section 15 wiùlÍn which Borrower mUSL pay all sums se:cured by lllis Security InsLrument. If Borrower fails to pay ùltse sums prim [(J ùle txpiraLion of ùlÍs period, Lelldtr may invoke any relllèdies penlliLted by ùÚs Stcuril) 1llsLrumem WiÙlOUL furùJer llotice or demand on Borrower. ] 9. Borrower's Right to Reinstate Aher Acceleration. If BOf!owe:r meets cc:naiu conditious, Borrower sl1alJ have ùle right to havt euforcemelll of ù1Ís Security Instrumel1l discollLinued aL any time prior LU Ùlt earlitSL of: (a) tive days bduIC: sak of Ùlt PnJpeny pursuant to any power of sale: c01lLaine:d ill ù1Ís SecuriLY InsLrument; (b) such oùler period as Applicable Law nliglu specify for Lhe terminaLiou of Borrower's right [() re:inslaLe; or (c) ellLry of a judgment e:nforcing this Security lusLrulJle1lL. Those: condiLiuns are ùlal Burrower: (a) pays Lender all sums which ùlen wuuld be: due: undtr ù1Ìs Stcurity ÜlsLrUllleJJl and ùle NOLe: as if nu accderatiun had uccurre:d; (b) curtS any default of any uther covtlJams or agreements; (C) pays all txpellse:s incurrtd in tnforciug ùlÌs Stcurity InsLruU1tllL, iue! uding, but nOL limj led IU, reasonablt attomeys' ftes, pruperty insptCliun and \'alualÍun ìÚs, and UÙJer íús iucurred for ùle purpose: of protecting Lender's illLtrest in Ùle Proptrty aud righLs unlkr ù1Ís SecuriLY lnsLrulllem; and (d) Lakts such actÏoll as Le:lldc:r nJaY reasonably re:qujre: [() assure ùlal Lendc:r's interest ju ùIe Property and rigllLs lindtI' Uris Security InsLfUmtllL, and Burrower's obligaLion to pay ùle sums stcured by ùlÍs Security lnsLrume:llt, shall cOllLiuue unchaugtd. Lelldel nJaY require ùJat Borrower pay SUl,;h reinstatement sums and e:xpenses in one or more of Ùlt following furms, as selected by Lendtr: (a) cash; (b) llloney orde:r; (c) cc:rtitie:d che:ck, bank Chèck, treasure:r's check or cashic:r's che:ck, provided any such I,;heck is drawn upun an insLÌLuLÍou whost depusils art insure:d by a ftderal age:ncy, iusLfUme:utaliLY or e:lHity; or (d) Electronic Funds Trauskr. \VYOME\G -- Slilgk hlluly -- FiUUUC Ma"hdJlc Mac UNIFORhl I!:STRU!.ll:a Yun" 3051 Jior---d 1:"'-¡j GMAC!\I- C!\1S.00'l2.WY (1J1J01) (Page 1-1 of 18) Initials: //( r V /,// ",," ,. '-,: r. I'~ 8 r<-; , ',jUJ ' i Upon reinstatement by Borrower, this Security lJlstrulllellt and obligations sècured haeby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate sljall not apply in the case of acceleration under Section 18. 20. Salt' of Nott'; Changt' of Loan St'fI'ictl; Notice of Grievance. TI¡t Note or a partial interest in ù¡e Nott (togtÙler WiÙl ùlis Security Instrumem) can be sold one or more times wiùJOut prior notice to Borrower. A sale: might result in a cJ¡ange in ùle entity (known as tht "Loan Servicer") that colle:cts Periodic Paymems due under tIle Note and ùtis Security Instillmem and performs où¡er mortgage loan servicing obligations unda the Note, ù1Ìs Security Instillment, and Applicable: Law. There also m.iglH be one or more changes of Ù¡e Luan Servicer unrelated to a sale: of the Note. If Ùlert is a change of Ùlt Loau Serviœr, Borrower will be given written notice of ù¡e change which will Slatt ù¡e namt and address of ùle new Loau Servicer, ùle address to which payments should bt made and auy où¡er information RES? A requires in connection WiÙl a llOtiœ of transfer of servicing. If Ùle Note is sold and ù¡ereafter Ù¡e Loan is serviœd by a Loan Servicer où¡er ùlan ùle purchaser of Ù¡e Note, ùJe lllung~¡ge luau strvicing obligations to Borrower will remain wiù¡ Ùle Loan Servicer ur be transtáred to a successor Loan ServiceI' and are not assumed by ù¡e Note purchaser unle:ss oùlerwise pruvidèd by ù¡e Note purchaser. Nèiùlèr Borrowèr nor Lèndtr may conllllèllCe, join, or bt juinèd LO any judicial action (as èÌùler an individual litigant or ùle lllèmber of a class) that arises fWIll Ùlè Oùler party's actiolL) pursuant to ùÜs Security Instrument or Ùlat alJeges ù¡at Ùlè Oùler pany has breached any provision of, or any duty owed by reason of, ù1Ìs Security instrument, until such Borrower ur Lender has notiíÏed Ùlt oùla party (wiù¡ such notiœ given in compliance wiù¡ ù¡e requirellleutS of SecLÎon 15) of such alleged bœach and afforded Ù¡e Oùler pany hereto a rtasonable period after lie giving of such notice to takè corrtctivè action. If Applicable: Law provides a timt ptriod which must elapse before œrtain action can bè taken, Ùlat time period will be deemed to bè reasonable: for purposes of ù1Ìs paragraph. The lJurice of accele:ratiulJ and opponunity to cure given to Bonowtr pursuant to Section 22 and Ùlè notict of acceleration given to Borruwer pursuant to Section 18 shall be deemed to satisfy ùle notice and upponunity to take corrective action provisions of liis Stction 20. 21. Haza¡-dous Substances. As used in ù1Ìs Section 21: (a) "Hazardous Substanœs" aœ ÙlOSt substanœs ddined as toxic or hazardous substances, pollutants, or wastts by Enviromutnta] Law and ùle following substanœs: gasoline, kèrosène, oùler tIanunab1e or toxic pètro1eum products, toxic Pèsticides and hèrbicides, volatile solvents, mattrials containing asbestos or formaldehyde, and radioactive lllattrials; (b) "Envirolllnemal Law" llleaus fc:dèral laws and laws of Ùlt jurisdiction where ùle Propeny is located Ùlat rdatt to htalùl, safety or envlrolUnèmal prottction; (c) "EnviromutlUal Cleanup" includes any response actiou, rtluedial action, or removal action, as ddilled iu Enviromllemal Law; and (d) an "Enviromnellla] Condition" llleans a condition Ùlat can cause, comribute to, or oÙ¡er\',ise triggc:I au EnvirOlllllèlltal Ckanup. BonowéT shaH not caust or pemÜt ùle presènce, use, disposal, storagè, or release of any Hazardous Substances, or ùlreattll to rekasè any Hazardous Substallœs, em or in ùle Propeny. Borrower shall not do, nor alluw anyollt else to do, anyùlÌng affècting Ù¡e Property (a) Ùlat is in violation of any Environlllenlal Law, (b) which creatès an Enviroullltlltai Condition, or (c) which, due to Ùle pœsenCé, use, or release of a Hazardous Substance, creates a condition Ùlat LOÞ.N NO: 589616309, ", ~k'} \\'YCHllNG .. Slll¡;lè Falllily·· FiIluuè Maè,Frcd,liè ~b, UNJfOJU.1 ]j';STRlIMENT Form .\051 1/01 /,1/// ,/ ,'-' G1\lAC1\l- CMS.UU42.\\'Y (UUUI) (Page 15 oI18) IHitials4Y ,fIJ,) / ..-'~- : ,; ,r-', .... r f;...>' C~ () . I., '-', I' .. '.,: \.: ,,-,.J U adversely affects ùle value of the Property. The preceding [WO sentences slla!! no[ apply to the presence, use, or storage on ùle Property 01 SJl411J quamities of Hazardous Substances that are generally recognized to be appropriate to nOrIl4l1 residential uses and to m,¡jmel4lnce of ù¡e Property (including, but uot limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or Où¡er action by any governmental or regulalOry agency or private party involving ùle Pwpeny and allY Hazardous Subst:UJce or Environmental Law of which BOHOWc:1' has actual knowledge, (b) any Environlllemal Condition, including but not limited [(), any spilling, leaking, discharge, release or ùlreat of rtkase of any Hazardous Substance, and ( c) any condition caustd by Ùlt presence, USt or rekase of a Hazardous Substance which adversely affects tht value of ùle Property. ]f Borrower learns, or is llotified by allY goveflimèllta] or regulatory aUùlOrÎly, or any private party, ùlat any rtmoval or oùler remediation of any Hazardous Substance affecting Ùlt Property is Jlec:essary, Borrower shalJ promptly t,ike all necessary remtdial actions ill accordance wiù¡ Environmental Law. Noù1Îng herein shalJ create any obligation on Lender for an Environmema] Cleanup. NON-UNIFORlvJ COVENANTS. Borrower and Leuder jÜrù¡èT cOVC:l4lnt and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower pdor to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section] 8 unless Applicable Lm provides otherwise). The notice shall specify: (a) the default; (b) the action re(luired to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borro\\cr, by which the default must be cured; and (d) that failure to cure the default on or Lefore the date spedfied in the notice may result in acceleration of the sums secured by this Stcurity Instrument and sale of the Property. The notice shall further inform Borro\\er of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by LlJÌs Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, Lut not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if difftrtnt, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall pnblish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee llIay purchase the Property at any sale. The proceeds of the salt shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. ---1 WYOl\ll!\G Smgle Fallul)' n f""uue }.l,",+redilie '1",' U,N1FOK:,ll:SrKUI.IEUT Furm ,;u5! !¡O! Y7f/ )/ L· .,/{,~ GJ\IACl\I- ü\lS.00-t2.\\'Y (0001) (Page 1ó of 18) l11itiuls: ,r,:; 'JA, ~/ I f·., ...... , ~ ;-.." r', c~ C\ r' ')\, '10· U \. ....-u J 13. Release. Upon paymellt of all sums secured by ù1Îs Security Iustrumellt, LeudèJ' shall rdease ùÜs Semrity Instrumem. BorrowèI s!Jall pay any re¡;ordation ¡;osts. Lender may ¡;]¡arge Borrower a ke for rdeasing ù¡js Security IllStrumem, but only if ùle fee:; is paid to a third pany for sèIvices renctèIed and ùle drarging of ùle tà is palllitted under Applicable Law. 24. Waivers. Borrower releases and waives all riglJts under and by virtue of tJle homestead exemption laws of Wyoming. BY SIGNlN G BELOW, Borrower a¡;cep[s and agrees to tJle terIlls aud ¡;OVelwnts contained in this Security Instrument and in any Rida executed by Borrower and recorded with ll. ~--:2 ? 4 //~J~ vEl ':/" Eeßãman (Sea/) -BorrùWt:f J{~~e~~"- (Seal) -HoITo\\'tr (S'eal) -Burnnn:r (Sm/) -BüITüwer LOÞ~ NO: 589616309 Witnesses: \\'YOJ\lING -' Slll¡;k Family -- !'ami" ¡,lae!Fr"dill" !\lac U! ,]FCJIU.ll'iSlj{U~IENT Furm 3051 lIUI Gl\lAC\l- Cl\lS.0041. \\Y (0001) (Page 17 uI18) - i'~; t/ f'. I....... ¡--- t-' _~-'~" . " ¡! i.', '- 0 '- .." '<.J V INDIVll)UAL ACKNO\\'LEDGl\1ENT STA TE OF WYOMING, COUNTY OF LINCOLN ) ) 5S ) Thè forègoillg instrulllèlll was acknowkdgèd bdOTè JUè this lJc':ernber JO, 2005 (daLe) by Rldgely Geesaman and Katrina Geesaman (perS"11 ad~IJU\\ !edging) (L_'to-1--¿Cu Ì'LJlary Public /v1y COJIuuiSSiOl1 ExpirèS: 9 - 15- () 7 ~f -;.. GLõ~~BÝERf~FõTÃRYPÙC~~~~ County of ¡.X.?~\~ StatE> ut , Lincoln ~~}~ Wyorning , My Commission Expires Sept. 15, 2007 ~ ~~~~-.....-~....~~~".........J /) ...----.// 8 \\,YO\IING .. SllJ¡:k Family F;uil"c~!ac,Flnld" Idac U;;IFDI,!\II' SfIWi.IENI him JUS! I/U! dF ! / ¡ GJ\1AD\J - CJ\lS.(HJ-I2.WY tOOOJ) (Pa~(' 1S of 1S) Initials:.: /ì " . 7 . ; · 1-' n í', f;:' C <3 , ',I \~; ..) 0 .L 1-4 F AI\1IL Y H.IDER Assignment of Rents THIS 1-4 FAtvIIL Y RIDER is mad¡; ùÜs 30tl1 day of lJovelúber 2005 ,and is im;orpuratc:d into and sha1! b¡; dc:em¡;d to amc:ml and suppkmc:m ù¡¡; Mongag¡;, D¡;¡;d of Trust, or Sc:curity D¡;ed (the "Sc:curity Instrumem") of Ù¡¡; same dat¡; giv¡;n by Ù¡c: undasiguc:d (ÙIe "Borrower") (0 s¡;cur¡; Borrower's Not¡; to GI"lL_C nortg6ge C'urpora. t 10n (Ù¡¡; "Lend¡;r") of tJ¡¡; sam¡; dat¡; aud covering we Pwpc:ny described in the Security InstrumeJJt and located at: 4660 County Road 122 Bedford, WY 83112 lPreJpcrly Address] 1-4 FAl\1IL Y COVENANTS. In addition to tJl¡; COVellalHS and agrcem¡;ms m;¡de in th¡; S¡;curity Instrument, Borrow¡;r and Lender furtJ¡¡;r covenant and agrc:e as fo]]ows: A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTJWl\1ENT. Iu addition to Ù)¡; Propaty d¡;snib¡;d in tJJe Security Instrum¡;ut, ùJe following items nu\\' or hneat'ter auached to ùIe Propaty to the ext¡;nt ù¡ey are íiXlllr¡;S are adJed [(J Ù¡c: Proptrty d¡;scription, and shall also constitute tJ)e Propeny covertd by tJJt Stcurity Instrument: budding mataials, appliances and goods of evtry naturt whatsotv¡;r now or l1ertafter located in, on, lJl us¡;d, Or im¡;OOtd to b¡; used in COlllltction wiù¡ Wt Proptny, including, but not limited to, Ù¡lJse for tJIe purposes of supplying or distributing heating, cooling, deuricity, gas, wata, air and light, Jire prtvc:mion and extillguishillg apparatus, security and aCl·tSS control apparatus, plumbing, baùI tubs, water heatns, water closets, sinks, rangts, S[OV¡;S, rd'rige:rators, dishwashas, disposals, washas, drytrs, awnillgs, storm \\-'induws, s[()rm doors, scrte:ns, blinds, shadts, cunains aOO curtain rods, attach¡;d mirrors, cabinets, panding and attacl¡td JJoor covtfings, a1! of which, including œplacemems and additions ù¡tœw, shall bt dttIllc:d [0 b¡; and relnain a part of Ùle Property covertd by ùle Stcurity Inslrument. All of Ùie: fureguing togeÙ¡e:r wiù) ùIe Propeny dtscrib¡;d in ùle Security lnstrun¡em (ur Ù)¡; Jeastlj(Jld eState if ù¡t Stcurity Instrumtnt is on a kasehúld) art rdártd to in ùÜs 1-4 Family Ridtr and Ù¡t S¡;curity Instrumtllt as tJIe "Propeny." ß. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower sha1! not Sttk, agrt¡; to or makt a change in ùle USt of tJ)¡; Pruperty or its zOIllng classificariun, ullkss LC:lJder llas agreed in writing w tJ¡e change. Borruwtf shall colllply with all laws, urdillancc:s, ¡c:guJatiulls and requirements of any guv¡;uun¡;ntaJ budy applicable to tJlè Property. C. SUBORDINATE LIENS. Exctpt as ptrnÜtted by fedtra] law, BO[fuwa shall llOt al1uw any litn infáior to tllt Security Instrum¡;J1l to bt pafeeLed agaillst tJle: Propeny witllUUl Lenda's prior written palllissioll. LOÞ~~ NO: 589616309 MUL TISTATE 1-4 FAMIL Y RIDER - Single Family- Fannie Mae/Freddie Mac Uniform InstrumenYâríñ'3'Ÿ,3 OJ/!'1/f<ki1, ' -,-"YP 1/ Page 1 of 3 ]2'713797 Initi¡¡ls: 7'-L. GMACM - CRIVI.0043.1-4FAM (0411) (, n r: r:: (' :.) \- \,/ \...)....) V'-ow' D. RENT LOSS INSURANCE. Borrower shall lllaimain insurance: against re:m Juss In addition to the other hazards for which iusuranœ is re:quired by Se:ction 5. E. "llOlmOWER'S RIGHT TO REINSTATE" DELETED. Se:ction 19 is dde:œd. F. BORItOWER'S OCCUPANCY. UIÙe:SS Le:nder and Borrowe:r oth¡:rwise agree 1n writing, Se:ction 6 concerning Borrowe:r's occupancy of the Prupnty is ddeted. G. ASSIGNMENT OF LEASES. Upon Lende:r's n:quest after ddault, Burrower shall assign [0 Le:nder all lease:s of the: Prope:ny and all se:curity deposits made: in connection \Iith leases of the Property. Upon we assigmnem, Le:nder shall ba ve the right tu lllodify, e:xte:nd 0 r te:nnÜJate: the: existing leases and to execute: new lease:s, in Le:nder's sole discretion. As usc:d in ùÜs paragraph G, ùle word "lease" shall me:an "sublease:" if tbe Security Instrument is on a leasehold. H. ASSIGNMENT OF RENTS; APPOINTJ\JENT OF RECEIVER; LENDER IN POSSESSION. Borrowtr absolutdy and ul1conditioiJally assigns and transtè:rs to Lender all Ùle re:nts and rc:venues ("Rents") of ùle Prope:ny, re:gardless of to wholn l!Je Rems of the Prope:ny are: payable. Borrower autllOrizes Le:nde:r or Le:nder's age:ms to collect tlle Re:lllS, and agre:e:s that e:ach teiJant of the: Prupe:rty skill pay tlle: Rems [U Lender ur Le:nder's age:llts. HU\I',~ve:r, Borrowe:r shall œce:ive: tlle: Re:nts umil (i) Lende:r has give:n Bonowe:r llOtice: of ddault pursualll to Section 22 of We: Se:curity hlstrume:m and (ii) Le:nde:r has give:n IlOtice: to tlle teiJant(s) tlw lÜe: Re:IllS art to be paid to Lender or Le:nder's age:nt. This assigmllem of Re:nts constitute:s an absolute: assignment and Ilot an assiglllnelll for additiOlJaI se:curity ouly. If Lender giVéS notice of dtfault to BUlTowe:r: (i) all Re:JJts received by Borrower shall be: hdd by Borrowe:r as truste:e fur tlle: be:udit of Leuder oIlly, to be: applie:d to the: SUlllS se:cun:d by tlle: Security lJl\trument; (ii) Lende:r shall be: entitled to collect and re:ceive all uf ùle Rents of Lhe Prupe:ny; (iii) Borrower agree:s tllat e:ach teiJant of the Prope:ny sball pay all Re:lllS due and unpaid to Le:nder or Lender's age:JJts upon Le:nder's writlen de:nJaIld ro tlle telwJJt; (iv) unless applicable law provide:s otllerwise:, all Rents collecte:d by Lender or Le:nda's agents shall be applied first [() ùle costS of taking comrol of and managing tlie Prope:rty and colkctiug Ùle Rents, including, but llot limited to, attorney's fees, receiwr's fees, pre:nliuJlls on rece:iù::r',; bonds, repair and llwintenauce: costs, insurance prènuums, taxes, assessmems and otl1a charges on tlle: Property, and ùlen to ùle sums secured by tlle: Security InstruJlle:lJt; (v) LeJlCkr, Le:ndn's age:nts or any judicially appuinted receiver shall be: liable tu account for ouly tllUSe: Rems actually re:ceived; and (vi) Lende:r shall be emitled to have a receiva appointe:d to take: possessiulJ uf and malwge tlie Property and collect tlle Re:ms and profits de:ri ve:d 1Ì'OJ1l tile: Property witllOut any showing as to tlle iJwde:quacy of tllè Pruperty as security. If tlle: Rents of tlle Prope:ny art lJot suffïcie:m to cover tlle COStS of takilJg comrol of and managing tlle: Propeny and of collecting tlle: Rems any funds expe:nde:d by Le:nder for such purposes sball be:come: indebtedness of Borrower to Lende:r se:cured by tlle Security Instrument pursuant to Section 9. BorrOWéI represents and warrants tllal ßorrowe:r has not eXècutèd any prior assiglJ1nem of Ùle: Rc:nts and has not perfonne:d, and will llot perform, allY act tlrat would pre:ve:J1l Le:uder frum exe:rcising its rights undc:r tllis paragraph. LOAN NO: 589616309 _"/ MUl TIST ATE 1-4 FAMILY RIDER - Singl~ Family - Fanni. M"./Fr.ddi. M",S-llnífO"rJ", 'Jìlst\U~1.Qt , / /0/' V .",j') GMACM - CRM.0043.1-4FAM (0411) Page 2 of 3 Initials: ,...~¿ Ì'-,J J~ '........ /' Form 31701/01 ~-. !-\ r', t~ c" '1 ',.J UJJ...J , . _I_-~ .... L¡;lldèr, or Lèlldèr's agèllts or a judjL:ially appoiJUèd œœivèf, shall nOl bè requirèd lCJ èntèf upon, catè cOIHrol of or maintain Ùlè PrOpèf!y bdore Of afla giving llutiœ of ddault to BOffowèf. HOWèVèf, Lenda, or Lender's agènts or a judicially appoill!èd rèCèjva, may do su a[ allY rimè wh¡;n a dd'ault occurs. AllY application of RèIHS s]¡all not cure or waive allY defaull or invalidat¡; any othèf righl or œmèdy of Lènder. This assiglUnem of Rèms of Ùle Propa!y s]¡all tèfmilla!¡; Whèll all th¡; sums sècuœd by ùle S¡;curity Instrumem arè paid in full. 1. CROSS-DEFAULT PROVISION. Bof!'owa's ddault or brèac]¡ und¡;¡- any no!e or agœ¡;mwt in which Lender has an ÍlHeresl shall be a breach under Ùle Sècuri!y Ins!rumem and Lèuda lUay iuvokè any of Ùl¡; œmedi¡;s permitlèd by Ùlè S¡;L:urity ll1slrumènt. BY SIGNING BELOW, BOffmwr accepls and agœès to Ùlè taurs and coveIwnlS contaiuèd in ùlÍs 1 -4 Family Rider. ~~ / £--:-'---{:4:::::/:/'/ R~e man ----- (Seal) - 8orn)\\,er -I/r- ~ ~ nOVu.-'1. a /u..e.~L.'YV--V'- Katrina Geesaman (Seal) - Bùrruwt:r (Sèal) - Borrc)\\'C[ ( Seal) -DÜITdWtJ LQ~~ NO: 589616309 MULTISTATE 1-4 FAMILY RIDER - Single Family - Fannie Mae/Freddie Mac Uniform Instrument Form 31701/01 GMACM - CRM.0043.1-4FAM (0411) Page 3 of 3 I~,; ¡; Schedule Þ. v')yoming Mortgage Given By: Rldgely Geesaman and Katrina Geesaman Lot 11 of Bedford Townslte 3rd Filing to the Town of Bedford, Lincoln County I ì'lyoming as described on the official plat filed February 13, 2003 as Instrument No. 887774 of the records of the Lincoln-County Clerk. r. ¡-' r' ~... (' ·~i , ~,) 1:_) J 0 !± Page 1