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HomeMy WebLinkAbout916155 ~fm~f~Ii~f~~t'~:~¡~ t¡i~¡iillm~~¡m~m ._.._-_._._-~.. "-.-. ... . ~...............~..........~ b'Ç nr'ln""62 .....Utl After Recording Return To: GMAC Mortgage Corp. lOO Witmer Road Horsham, FA 19044-0963 ATTN: Records Management RECEIVED 2/2212006 at 4:04 PM RECEIVING # 916155 BOOK: 612 PAGE: 762 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY [Space Above Tlús Line For Recording Data] Loan No. 591693007 MIN l000375-059l693007-9 MORTGAGE DEFINITIONS Words used in multiple sections of this document Me defined below and other words Me defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are 1ÙSO provided in Section 16. ~ (A) "Security Instrument" means this document, which is dated February 2l , 2006 , together with 1ÙI Riders to this document. (B) "Borrower" is Scott D. Berglund and Stephanie L. Berglund hUSb~ and wife % \ ~'-'\ Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is llcting solely as a nominee for Lender and Lender's successors and llssigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of DelawMe, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, teL(888) 679-MERS. WYOMING - Single Family - Famie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 ~/Ol (Page 1 of 18) 336705907 Initials: <JiJ <)6 942 GMACM - CMS.0042. WY (0001) .., C00763 O~1.6155 (D) "Lender" is GMAC Mortgage Corporation ~rukrisa Corporation laws of Pennsylvania 100 Witmer Road, P,O. Box 963, Horsham, PA organized and existing under the ~rukr's address is 19044 (E) "Note" means the promissory note signed by Borrower and dated February 21, 2006 . The Note states that Borrower owes ~rukr One Hundred Twelve 'Thousand and 00/100 Dollars (U.S. $112,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than March 1, 2036 (F) "Property" means the property that is described below under the 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 under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower {check box as applicable]: o D D Adjustable Rate Rider Balloon Rider Other(s) {specify] o Condominium Rider 0 o Biweekly Payment Rider 0 o Planned Unit Development Rider Second Home Rider 1-4 Fmnily Rider (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and adminh:trative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are Unposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic tenninal, telephonic instrument, computer, 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 macbine trnnsactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (1,) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. WYOMING - Single FamiJy - FIIIIJie Mae/Freddie MAc UNIFORM INSI'RUMENT Form 3051 1/01 GMACM - CMS.0042.WY (0001) (page 2 of 18) lniti$: ~ 7¿ ;~:*:;~~:;::i:i:i ~~~:~~¡k~;m;~! I~~'~~t~~~~ r.'~.' f·'-':!:II!:/l)'·'i' ~;:!:~~~~::i:!:::~ 091.61.55 rnt:'i64 1... \J \.: . (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Lollll. (0) "Periodic Payment" means the regularly scheduled .amount due for (i) principal and interest under the Note, plus (ii) any .amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.c. §260l et seq.) and its implementing regulation, Regulation X (24 C.F .R. Pm 3500), as they might be mnended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and Iestrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower" means llllY party that has taken title to the Property, whether or not that pmy has assumed Borrower's obligations under the 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 covenântS and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the County [Type of Recording Jurisdiction] of Lincoln [Name of Recording Jurisdiction] SEE SCHEDULE "A" ATTACHED HERETO AND MADE A PART HEREOF. which currently has the address of 275 East 5th Avenue, [Street] Aiton , Wyoming 83110 ("Property Address"): [City] [Zip Code] TOGETHER WITH all the improvementsnow or hereafter erected on the property , and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS .holds only legal title to the interests granted by Borrower in this Security Instrument, but, jf necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise llllY or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. WYOMING - Single Family -- Fannie M4e1Freddie Mac UNIFORM INSTRUMENT Fonn 3051 1/01 GMACM - CMS.0042.WY (0001) (page 3 of 18) lnitials:$ ~ " ....._-.-..__....... . .--~...."", _. .~~--~-~ ..... L00765 0916155 BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances ofrecord. TIllS 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. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security .Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note orat 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 refuse such payment or partial payments in the future, but Lender is not obligated to llPply 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 on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment 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 Borrower. If not applied earlier, such funds will be applied to the 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 relieve Borrower from making payments due under the Note and this Security .Instrument or performing the covenants and agreements secured by this Security .Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any rem;¡illillf amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. LOAN NO: 591693007 WYOMING - Sin¡le Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 GMACM - CMS.0042. WY (0001) (page 4 of 18) Initials: ðß ~ tllim~j~millig~, ~:~:::::::::::::r:~ ~, ;.~ '~':f!l!l.: 'I~':~ ~{\""66 './ . . t 0916155 If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to.Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if .any, or .any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at .any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees, and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. 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. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower 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 the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9.and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender .any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds lli an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. LOAN NO: 591693007 WYOMING - SÎlli!e FaJI1ÜY - FIIIIDie Mae!Freddie Mac UNIFORM INSTRUMENT Form 3051 1'01 GMACM - CMS.0042. WY (0001) (page 5 of 18) Initials: ~ '75 0916155 00767 The Funds shall be held in an insûtuûon whose deposits Me insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits Me so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the rime specified under RESPA. Lender shall not ¡;harge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law pennits 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 required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, withont charge, an ammal accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESP A, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall noûfy Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than U monthly payments. 1£ there is a deficiency of Funds held in escrow, as defined under RESP A, Lender shall noûfy Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than U monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay .all taxes, assessments, charges, 1ines, and imposiûons attributable to the Property which can attain priority over this Security lnstrument, leasehold payments or ground rents on the Property, if any, and Community Associaûon Dues, Fees, and Assessments, if any. To the extent that these items Me Escrow Items, Borrower shall pay them in the manner provided in Secûon 3. Borrower shall promptly discharge any lieu which .has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligaûon secured by the lieu in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings Me pending, but only unûl such proceedings Me concluded; or (c) secures from the holder of the lien an agreement saûsfactory to Lender subordin;¡ting the lien to this Security Instrument. If Lender determines that any part of the PIOperty is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a noûce identifying the lien. Within 10 days of the date on which that no rice is given, Borrower shall saûsfy the lien or take one or more of the acûons set forth above in this Secûon 4. Lender may require Borrower to pay a one-rime charge for a real estate tax verificaûon andI orreporûng service used by Lender in connecÛon 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 the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be m;¡int;¡1n~d in the amounts WYOMING - Single Family ~ PJIDDie MaeIPreddie Mac UNIFORM INSTRUMENT Form 3051 1/01 GMACM- CMS.0042.WY (0001) (page 6 of 18) Initials: ~ ~ +âim~l~mil¡ ,......."..........-...-.., ..........."... 091.61.55 COC768 (including deductible levels) and for the periods that Lender requires. What Lender .requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time cha.rge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall IDsO be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with 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 Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee 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 otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided 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 progress 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, LOAN NO: 591693007 WYOMING - Sing1e FJUDily - Famie MAelFreddie MAc UNIFORM INSJ'RUMENT Fonn 3051 JIOl ~ GMACM - CMS.0042. WY (0001) (page 7 of 18) Initials: ~ A ... O~1.61.55 C00769 or other third parties, retUned by Borrower shall not be paid out of the insunmce proceeds.and shall be the sole obligaûon of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if my, paid to Borrower. Such insurance proceeds shall be applied in the order provided for.in Secûon2. If Borrower abandons the Property, Lender may file, negotiate and settle my available insurance claim and related matters. If Borrower does not respond within 30 days to a noûce from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate .and settle the claim. The 3D-day period will begin when the noûce is given. In either event, or if Lender acquires the Property under Secûon 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to my insurance proceeds in m amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) my other of Borrower's rights (other than the right to my refund of unearned premiums paid by· Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Proper..'y as Borrower's principal residence within 60 days after the execuûon of this Security Instrument .and shall cOllÛnue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in wriring, which consent shall not be nnreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property .in order to prevent the Property from deterioraring or decreasing .in value due to its condiûon. Unless it is determined pursuant to Secûon 5 that repair or restoraûon is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioraûon or damage. If insurance or condemnaûon proceeds Me paid.in connecûon with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender lias released proceeds for such pmposes. Lender may disburse proceeds for the repairs and restoraûon.in a single payment or in a series of progress payments as the work is completed. 1f the insurance or condemnaûon proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligaûon for the compleûon of such repair or restoraûon. Lender or its agent may make reasonable entries upon .and inspecûons of the Property. If it lias reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give .Borrower noûce at the rime of or prior to such m interior inspecûon specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be .in default if, during the Loan applicaûon process, Borrower or any persons or ellÛûes acûng at the direcûon of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate informaûon or statements to Lender (or failed to provide Lender with material informaûon) in WYOMING - Siu¡le Family - F~ M4e1Freddie Mac UNIFORM INSI'RUMENT Form 3051 1/01 . GMACM- CMS.0042.WY (0001) (page 8 of 18) Initia1s:~ ""þ í;;;::;::::~f::;:;:;::: r;§!~:;!::~~:r~: m:m:;::t~:r::i*: a;."·' f ~I'.!lfi!I!i, .. ...."~....."....n·:..I_ _._._....._,.._ _____ _..._.. 031.6155 C00770 connecûon with the Loan. Material representaûons include, but are not limited to, representaûons concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property andJor rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnaûon or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulaûons), or (c) Borrower l1as abandoned the Property, then Lender may do and pay for wl1atever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecûng andJor assessing the value of the Property, and securing andJor repairing the Property. Lender's acûons can include, but are not limited to: (a) paying any sums secured by a lien which l1as priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property andJor rights under this Security Instrument, including its secured posiûon 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 violaûons or dangerous condiûons, and have utiliûes turned on or off. Although Lender may take acûon under this Secûon 9, Lender does not have to do so and is not under .any duty or obligaûon to do so. It is agreed that Lender incurs no liability for not taking any or .all acûons authorized under this Secûon 9. Any amounts disbursed by Lender under this Secûon 9 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, with such interest, upon noûcefrom Lender to Borrower requesring payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee ûtle to the Property, the leasehold and the fee ûtle shall not merge unless Lender agrees to the merger in wriring. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condiûon of making the Loan, Borrower shall pay the premiums required to mHl11tHl11 the Mortgage Insurimce in effect. If, for .any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substanûally equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substanûally equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when 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 Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is u1ûmate1y paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the LOAN NO: 591693007 WYOMING -- Sin¡le Family - Famie Mae!Freddie Mac UNJPORM INSTRUMENT Form 3051 1/01 ~ GMACM - CMS.0042. WY (0001) (page 9 of J 8)· Initials:.c1J.) ~ ~._,..._......,-",-",..._--. ~.'.'.'''' .._-~_~'..._ ...-_.,- ,__~. ··._--<N..__o._.._< ._......._~_·_4 _,.~... ..,~_ .... . "'.'.M.~... 091.61.55 C00771 JlDlount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to m:!int:!in Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with IDlY written agreement between Borrower and Lender providing for such tennination or until tennination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not· a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions 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 from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, IDlY 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 1lS) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender talœsa share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or tennination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are .hereby assigned to and shall be paid to Lender. WYOMING - Single Family - FIIIDie Mae/Freddie Mac UNIFORM INSTRUMENT Form3D51 JIOl &B GMACM - CMS.0042.WY (0001) (page 10 of 18) lnitials: ~ ¡~l!I~Wili@¡ ¡~ii~im~illn3 091.61.55 :'("\1"\....',..,2 .... ut, , I If the Property is damaged, 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 period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure .the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments 1iS the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be 1ipplied to the sums 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 the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any , paid to Borrower. In the event of 1i partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immedÍ1itely 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 immedÍ1itely before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise 1igree in writing, . the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a).the total1iIllount of the sums secured immedÍ1itely before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immedÍ1itely before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. 1n .the event of a partial taking, destruction, or loss in value of.the Property in which the fair market value of the Property immedÍ1itely before the partial taking, destruction, or loss in vMue is less than the 1iIllOunt of the sums secured inunedÍ1itely before the partial taking, destruction, or loss in vMue, unless Borrower and Lender otherwise 1igree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an 1iward to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is 1iuthorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party 1igainst whom Borrower has a right of action in regard to Miscellaneous Proceeds. LOAN NO: 591693007 WYOMING - Single FaJDÜY - Famie MaelFreddie Mac UNIFORM INSTRUMENT Form 3051 1/01 GMACM. CMS.0042.WY (0001) (page 11 of 18) .Initials: ill ~ ~ ...-.........-.-..,..-.., .-...........-.-......'.... ...·"'-,·:.c,··.,·oo·· ",-.:. O~1615S '-'nt'"'¡t"'13 [ , ~ i t I . \) v Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impainnent of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, prec1udesforfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are l1ereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of 1UlloIiÍz4tion of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Snccessor in Interest of Borrower or to refuse to extend time for payment or otherwise modify 1Ullortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or my Successors in Interest of Borrower. Any forbearance by Lender in exercising my right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the 1UllOunt then due, shall not be a waiver of or preclude the exercise of my right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, my Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant 1lIld 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 Instrument; 1Ind (c) agrees that Lender 1Ind any other Borrower can agree to extend, modify, forbear or make my accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, my Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, 1Ind is approved by Lender, shall obtain all of Borrower's rights 1lIld benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations 1lIld liability under this Security Instrument unless Lender agrees to such release in writing. The covenants 1lIld agreements of this Security Instrument shall bind (except as provided in Section 20) 1Ind benefit the successors and assigns of Lender. WYOMING - Single Family - Fannie MaelFreddie Mac UNIFORM JNSTRUMENT Fonn 3051 1/01 GMACM - CMS.0042. WY (0001) (page 12 of 18) Initials: $;B . <¡5 t'!;~:::::~!:~~~:¡¡:¡ iW~~: ffllfølwfImmii;:iji . - .--......_.~.~..".-,-"._._..",.-, '.'- ~..-. ._.._-~-- . .~. .'~.' "'.~'. . ......;..,'. -~,'_..,..._._....+_.,..- ..., .,"~'~~+"".-,."'~'''''-''~''---- '-'~-'.''",,'' O~1.61.55 00774 14. Loan Charges. Lender may charge Borrower fees for services performed in connecûon 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 inspecûon and valuaûon fees. In regard to .any other fees, the .absence of express .authority in this Security Instrument to charge a specific fee to Borrower shall not be construed .as a prohibiûon on the charging of such fee. Lender may not charge fees that .are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connecûon with the Loan exceed the pennitted limits, then: (a) .any such loan charge shall be reduced by the amount necessary to reduce the charge to the pennitted limit; and (b) .any sums alre.ady collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reducûon will be treated .as a partial prepayment without.any prepayment charge (whether or not .a prepayment charge is provided for under the Note). Borrower's acceptance of .any such refund made by direct payment to Borrower will consûtute a waiver of .any right of .acûon Borrower might have arising out of such overcharge. 15. Notices. All Noûces given by Borrower or Lender in connecûon with this Security Instrument must be in writing. Any noûce to Borrower in connecûon with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when .actually delivered to Borrower's noûce address if sent by other means. Noûce to anyone Borrower shall consûtute noûce to all Borrowers unless Applicable Law expressly requires otherwise. The noûce address shall be the Property Address unless Borrower has designated.a subsûtute noûce .address by noûce to Lender. Borrower shall promptly noûfy Lender of Borrower's change of .address. If Lender specifies a procedure for reporring Borrower's change of address, then Borrower shall only report .a change of address through that specified procedure. There may be only one designated noûce address under this Security Instrument.at .anyone rime. Any noûce to Lender shall be given by delivering it or by mailing it by first class mail to Lender's .address stated herein unless Lender has designated .another address by noûce to Borrower. Any noûce in connecûon with this Security Instrument shall not be deemed to have been given to Lender unûl actually received by Lender. If .any noûce required by this Security Instrument is.also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdicûon in which the Property is located. All rights and obligaûons contained in this Security Instrument are subject to .any requirements and limitaûons of Applicable Law. Applicable Law might explicitly or implicitly allow the parries to .agree by contract or it might be silent, but such silence shall not be construed .as a LOAN NO: 591693007 WYOMING - Siujle Family - Famie M&elFreddìe. . Mac UNIFORM INSTRUMENT Form 3051 1/01 $ß GMACM· CMS.0042.WY (0001) (page 13 of 18) Initials: ~ .., 091.61.55 CC0775 prohibition Against Agreement by contract. In the event that my provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict slliill not Affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender slliill mean ;rod include corresponding neuter words or words of the feminine gender; (b) words in the singular slliill mean ;rod include the plur<ù ;rod vice versa; ;rod (c) the word "may" gives sole discretion without any obligation to take any Action. 17. Borrower's Copy. Borrower slliill be given one copy of the Note BIld of this Security Instrument. 18. Transfer of the Property or a BeneficW Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficW interests transferred in a bond for deed, contrAct for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower At a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not A natural person ;rod A beneficW interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option slliill not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender slliill give Borrower notice of .a;celerAtion. The notice shall provide A period of not less than 30 illiys from the illite the notice is given in Accorililnce with Section 15 within which Borrower must pay a1l sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate Mter Acceleration. If Borrower meets certain conditions, Borrower slliill have the right to have enforcement of this Security lnstrument discontinued at any time prior to the earliest of: (a) five illiys before sa1.e of the Property pursuant to my power of sale contained in this Security Instrument; (b) such other period AS Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions Me that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument;rod the Note AS if no Acceleration had occurred; (b) cures any default of my other coveruwts or Agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspectionBIld v.a1Wltion fees, BIld other fees incurred for the purpose of protecting Lender's interest in the Property BIld rights under this Security Instrument; BIld (d) takes such action AS Lender may reasonably require to Assure that Lender's interest in the Property BI1d rights under this Security Instrument, ;rod Borrower's obligation to pay the sums secured by this Security Instrument, slliill continue unchanged. Lender may require that Borrower pay such reinstatement sums ;rod expenses in one or more of the following forms, AS selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drAwn upon m institution whose deposits Me insured by A federal Agency, instrumentality or entity; or (d) Electronic Funds Transfer. WYOMING - SinøJe Family.. Fannie MaelFreddie Mac IJN FORM INSTRUMENT Form 3051 .1101 GMACM - CMS.0042. WY (0001) (page 14 of 18) lnitiaIs: Sß <g j!]ii!¡m~~; ~f;~¡t;;t:::~:;:;::¡;! :<':'~~:!:!; i~:l:!:;¡ -.. - .....--.-. 0916155 00776 Upon reinstatement by Borrower, this Security Instrument mId obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note mId this Security Instrument and perfoID1S other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name mId address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold.and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a snccessor Loan Servicer mId are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to my judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender .has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach mId afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a timè period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration mId 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 to take corrective action provisions of this Section 20. 21. Hazardous Substances, As used in this Section 21; (a) "Hazardous Substances" are those substances defined as toxic or .hazardous substances, pollutants, or wastes by Environmental Law mId the following substances; gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials cont;¡inin~ asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws mId laws of the jurisdiction where the Property is located that relate to health, safety or environm~nt;¡1 protection; (c) "Environmental Oeanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or pennit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance,creates a condition that LOAN NO: 591693007 WYOMING - 5io¡¡Ie Family - F.umie MaelPreddie Mac UNIFORM INSTRUMENT Fonn 3051 1/01 GMACM - CMS.0042.WY (0001) (Page 15 of 18) Initials: ~ ~ ... 0916155 .00777 Adversely affects the value of the PIOperty. 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 llppropriate to normal residential uses llJ1d to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) my investigation, claim, demand, lawsuit or other action by my governmental or regulatory agency or privllte party involving the Property .and my Hazardous Substance or Environmental Law of which Borrower MS llCtual knowledge, (b) my Environmental Condition, including but not limited to, my spilling, leaking, discharge, release or threat of release of my Hazardous Substance, llJ1d (c) any condition Cllused by the presence, use or release of 11 Hazardous Substance which lldversely affects the value of the Property. If Borrower learns, or is notified by my governmental or regulatory lluthority, or my privllte party, that my removal or other remedi.ation of any Hazardous Substance .affecting the Property is necessary, Borrower shall promptly take .all necessary remedialllctions in llccordance with Environmental Law. Nothing herein shall create any obligation on Lender for m Environmental Oeanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant llJ1d agree as follows: 22, Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of .any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (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 cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration .and ~ale. H the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand .and may invoke the power of sale .and .any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees .and costs of title evidence. H Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to .all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. WYOMING - SiDBJe Family - FADDie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 GMACM - CMS.0042.WY (0001) (page 16 of 18) Initials: S1:> ~ ,~~W~ilir~~f~lli~, ~;~;:~~~~ '; ;:~ ;I~tr~~':r::::¡~ :'·¡·t'?''':' I't~t!. I " 091.61.55 23. Release. Upon payment of all sums secured by this Security 1nstrument, Lender shall release this Security Instrument. Borrower shall pay.any recordation costs. Lender may charge Borrower 4 fee for releasing this Security Instrument, but only if the fee is p4Ïd to 4 third party for services Iendered .and the charging of the fee is permitted under Applicable Law. 24. W1Üvers. Borrower releases .and waives all rights under .and by virtue of the homestead exemption laws of Wyoming. 00778 BY SIGNING BELOW, Borrower 4CCepts .and 4grees to the tenDs .and covenants contained in this Security Instrument .and in.any Rider executed by Borrower .and recorded with it. ~~d (Seal) -.Borrower ~t~;ß.Æun~ (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower LOAN NO: 591693007 Witnesses: WYOMING - Sin¡¡le Family - Fumie MaelFreddie MAc UNIPORM INSTRUMENT Form 3051 1/01 GMACM.. CMS.0042.WY (0001) (page 17 of 18) ,-, .,....,..........-...-_.,.... '.' "-'-".'. ,...... '.,_.. ··-r,.. ,. "'.~'. ...~ ,............ ...~.. .., .~. . ,'.._.' .~ ... . ......-............-...... . ---'_...._.~-~._-'-"'.-...."_.._,. ...---- ......... 091.6155 nnl"'J"'1g . \.1 U t ( INDIVIDUAL ACKNOWLEDGMENT STATE OF WYOMING, ) ) S8 COUNTY OF LINCOLN ) The foregoing instrument was acknowledged before me this February 21, 2006 (date) by Scott D. Berglund and Stephanie L. Berglund (person acknowledging) My CommissionExprres: 9-15-07 ~ /cyl. ~~ GLORIA K. BYERS . NOTARY PUBUC County of .& State of Uncal" W Wyoming My CommlssfonExpJres Sept. 15,2007 WYOMING - Sin¡le Family - FJWDie MaelFreddie Mac UNIFORM INSTRUMENT Form 31151 1/01 .áb GMACM - CMS.0042.WY (0001) (page 18 of 18) Initials: ~ ~]@m~lt .--... "" -_.~,...__.. . .... -'.'~.. .-.. . . ..-.. ....._,~~---..- _.~" .._......_,,-~ O~1.61.55 Bchedul € A Wyoming Mortgage Given By: Scott D B€Tglund and St€phani€ L. B€Tglund Pl€as€ attach Legal Description II.;·:.. . ~:i '};; ~ -, ._...___. .'---'''_.",.~n.'.'_U 000780 Page l Beginning at a point 5 rods West of the Southeast Corner of Lot 4 of Block 22 in the Town of Aiton, Lincoln County, Wyoming, and running thence North 10 rods; thence West 5 rods; thence South 10 rods; thence East 5 rods to the point of beginning.