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Home My WebLink About916653 'II . , ',( -'" i1 I J I} ¡ ¡j ì ' J 'Î¿i !.. I ,- i)~ ' r 000306 ,. After Recording Please Return To: SUNTRUST MORTGAGE, INC. {Company Name} RECEIVED 3/14/2006 at 10:17AM RECEIVING # 916653 BOOK: 614 PAGE: 306 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER. WY RVW 5093 [Name 01 Natural Person} 1001 SEMMES AVENUE {Street Address} RICHMOND, VIRGINIA 13224 {CI/y, Slote Zfp Code} {Space Above This Line For Recording Data} Loon No.: 0203026141 MORTGAGE (Secondary Lien) MIN 100010402030261410 DEFINITIONS . Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 10, 12, 17, 19, and 20. Certain roles regarding the usage of words used in this document ore also provided in Section t 5. (A) "Security Instrument" means this document, which is dated March 4, 2006, together with 3U Riders to this document. (8) "Borrower" is GREGORY D NAAB, DAYNA NAAB, HIW Q5 í 'e.lfð-t<+5 1)1 -tÌ1Jl et1tì'¿~t¡ß . Borrower is tbe mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS Is the beneficiary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number ofP.a. Box 2026, Flint, Ml 48501-2026, teL(888) 679-MERS. (D) "Lender" is SUNTRUST MORTGAGE, INC.. Lender is a corporation organized and existing W1der the laws of THE COMMONWEALTH OF VIRGINIA. Lender's address is 90] SEMMES AVENUE, RICHMOND, VA 23224. (E) "Note" means the promissory note signed by Borrower and daled March 4, 2006. The Note slales that Borrower owes Lender Thirty Nine ThousDnd and 00/100ths WyomIng MOr1¡¡u(c-Singlc Family. Secondary LIen . MEns Modlncd Fonn 3801 OI,v1 -T"'C='~C- II ~ l~1J llll.l(lìJI~llll,Irl¡iì~·~~~mIJt] -"10 .., ',', .'.'...~;.'....:;;_ 'T~":~:; {1~"',;':::>;',';~7;'.!.:;'1:¡" '.;'; ~ "~¡'f;:;:; T'. - :::".<.T¿"',;::"þ"f';'~/;-.-. ·';'.~':':':':';'~I;'~;.;. ".' :~~}~mili~lm~~l , ". ..-:.' , ·~':I~i'':'':i:i:itf'I~;i~¡';.f;¡-:;¡t;,jJ;i~!;\:~;.t''''1\i.'.~!¡'.:41i!,·;¡'.·",~~;,.;.;-o,,(,,¡'.,!,., "V~7~j;1:.eg"j'.:t.-. '."' .... ° ';··';I:~~¡;·:ç.:¡:a~~':'L , . . '.' ;·,~'~,5"\f~¡~"'~'·'M,n. ;':,.0 .""'J\I,~:I~!!,,\,:~. -..(~:r}-,l" "l," .,~ .- " ::: ":¡: ·"':"·¿·.N:I:~""~~''''\:':::·,;' ~"~, ':::- _, ~ ..;.~"c¡.,.:.", '0 0916653 C00307 , Dollars (U.S. S 39.000.00) plus interest. Borrower has promised to pay this debt in rcgular Periodic Payments and to pay the debt in full not later than March 1,2036. (Ii') "Property" means the property that is described below under the heading "Transfer of Rights in thc Property." (G) I'Loan" means the debt evidcnced by the Note, plus interest, any prepaymentcl1arges and late charges due under the Note, ifal10wed under Applicablc Law, 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 fol1owing Riders are to be executed by Borrower (check box as applicable]: bd Adjustable Rate Rider L-J Balloon Rider o Home Improvement Rider rï _ Other(s) (specify) LJ Condominium Rider L-J PlaMed Unit Development Rider o Revocable Trust Rider bd Second Home Rider W Biweekly Pa)'Inent Rider (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules nod orders (that have the effect of law) as well as all applicable tinal, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means aU dues, fees, assessments and other charges that arc imposed on Borrower or lite 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 illSttUment, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit nn account. ~uch term includes, but is not 1imited to, point-of-sale transfers, automated teUer machine transactions, transfers initinted by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" menns tbose items that arc described in Section3. (M) "Miscellaneous Proceeds" means any compensation, settlement. award of damages, or proceeds pnjd by any third party (olher 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. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic: Payment" mealls the regularly scheduled amount due for (i) principal and interest under the Notc, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedurcs Act (12 V.S.C. § 2601 et seq.) and its implementing regulation. Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any Wyomlo¡: Mor1&oge-Singlc Family. St:Condlll}' Lien MERS ModIfied Form JaGI 0111)1 -n,,~.~=~,INCr- II 111111(ïïiïìIlIIIIIŒ~mm'lììfffífi~ + 0 2 0 3 0 2 6 1 4 1 + 0 0 A D + 2 + 1 3 ;.::::¡:::iJ!:;i::¡::;': ~j~-f.~:;t~~¡b~;~:~ ¡~~~¡~mm~~;;¡~~;¡; :; . ·¡,:·;I;g;'t;.;....;o:,;·.::·,.;..··';·_,,· :.~..~",;.""~·,.'J·_·-'1"IJ!:iT:·;ï':,:..;..-::'-'.'·: .: "'. '-··'.~;-.d.;,-.·:.....;'.,·, ..._:,,; ¡ ,·..'.0;.....;1;.:;11...1-.... '.--,'~',:¿¡..þf;;:..a'_..o;.,),.,(....:.'-l....¡!I:::l>!:..:',' '.-~·~,1~':'...' """', "õ·'·'·' " :' ··:·j·.·....~',~j'_I. .;, "·".1'" :. ,.;. --,.....:' . '.~;.i..~·.... 0916653 C00308 additional or successor legis1ation or regulation that governs the same subjecl matter. As used in this SecUrity Instrument, "RESPA" refers to all requirements nnd restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESP A. (Q) '·Successor in Interest of Borrower" menns any party that has taken title to the Property. whether or not lhat party 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 ofthc Loan, and pll renewals, extensions and modifications of the Nole¡ and (ii) the performance of Borrower's covenants and ngreemenls 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 lhe successors and assigns ofMERS, with power of sale. the following described property locared in the . COUNTY of LINCOLN [rype of Recording Jurisdiction! [Name of Recording Jurisdiction} SEE A IT ACHED SCHEDULE A whicb currently bas the address of 336 E MILL ROAD [Stroot} ALPINE , Wyoming 83128 [City] [ZIp Code} ("Property Address"): TOGETHER WITH aU the improvemenls now or hereafter erected on the property, and a]1 easements, appurtenances, and fixtures now or hereafter a part of lhe property. AU replacements and additions shall also be covered by this Security InstrWnenl. An of the foregoing is referred to in tJùs Security Instrument as the "Property." Borrower underslands and ngrees lhat MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has lhe right: to exercise any or all of lhose inlerests, including, but not limited to, the right to foreclose and sell the Property¡ and to take nny action required of Lender including, but not limited to, releasing and canceling this Security Instnlment. BORROWER COVENANTS tb¡¡t Borrower is lawfully seised of the estate hereby conveyed and has the rigbt to mortgage, grant pod convey tne Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title lo the Property against all 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. Wyumlng Mul1gage-Singlc Family- Secunda/)' LIen MERS Modified Form 3801 01101 -~"C~~~:'~, IN<_ II IIIIIII (iíïïÌIII~111 f·ii~mTIrJrnntl + 0 2 0 3 0 261 4 1 + 0 0 A D + 3 + 1 3 · '. '. ~':';'':;;1:: L.;.....;.,· ,-:¡;"&i.-~ ,......:... ~'4;" ":$."{:<!';"'1!1., . ,...,.........................' ;,,'·j~"f'1'.r>JW~..:"y;t;···'··:;r·,~I~·.__'·;· .~.:;',.;¡,. ".J" ';""' I' .,';.......,t'l:'i4I:...J...- ',:' ..,'.' .., . ':__:.;...:........:...._.... 091.6653 C00309 UNIFORM COVENANTS. Borrower and Lender covenant and agree as fonows: 1. Payment of Prlncipøl, Interest and Other Charges. Borrower sholl pay when due the principal of, and interest on. the debt evidenced by the Note and if allowable under Applicable Law, any prepayment charges and lale charges due under the Note. Paymenrs due under Ihe Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by LCl'1dcr as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require Ihat any or all subsequent payments due under Ihe Note and this Security Instrument be made in one or more of the (onowing 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. 2. Application of Poyments or Proceeds. Payments are deemed received by Lender when received at the loca.tion designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 14 or in such manner or location as required under Applicable Law. Except as otherwise described in this Section 2, and as permitted under Applicable Law, 011 payments accepted and applied by Lender shall be applied in the fonowing order of priority: (8) interest due under tbe Note¡ (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be appJicd to each Periodic Payment .in the order in which it became due. Any remaining 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 oflhe Note. If Lender receives a payment ftom Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any 1ate 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 fiom 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. To the extent pemútted by Applicable Law, voluntary prepayments snail 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 shaH not exlend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Subject to Applicable Law. 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 amounrs 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, ¡£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. These items are called "Escrow Items." At origination or at any time during the teon oftbe Loan, Lender may require that Community Association Dues, Fees, ood 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 pa.y 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 mny 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 bas 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 shaH for all pwposes be deemed to be II covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 8. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fans to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 8 and pay such amount and Borrower shall then be obligated under Secrion 8 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow hems at any time by a WyomiDI: Morlgoge-Sing)c Fomily. Secondal)' Llcn MERS Modllied Form J8DI 01101 -~"C~~~~~. ~C.- II 111~IIIII'ïiïïìllllll (~ii'm]rìlffr~ + 020 302 6 1 4 1 + 0 0 A 0 + 4 + 1 3 :¡m:llli¡¡~tl~!j r:::::::::::~::::t::::t S@~;~j ¡¡~mm~;m?;~;~~~: " ·"',·.~,·¡·i!&OU.!i:·' ·.·i·Ù'l.'"b~''': .!!1~~:"1: :'::':f.~J¡:~tl;-.~r:;';~~.~':~~:~:':':: w;' :~: ".., .'.' ·,·¡\t:[.",~:t'f;L· - . - .". ',. . ·.';I¡I~"~'.'.'.,....! -. .. , -~""".!"U,'fIq~~<r~""'r-:'ì'."I'~';"'h}'.¡,<"":r.Lt.-:::',,.·-. .'.,-.-'....,,';..;!,.J.":!.':'I.òC'¡~:~~.-:'¡..:...,.' 8..--'-.."_"......~.~;."..;,.., C00310 0916653 notice given in accordance with Section 14 and, upon such revocation, Borrower sball pay to Lender all Funds, and in such amounts, that are tben required under Ihis Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to pennit Lender 10 apply the Funds at the time specified under RESPA, ílnd (b) not to exceed Ibe maximum amount a lender can require under RESP A. Lender shall estimate the amoW1t of Funds due on Ihe basis of currellt data and reasonable estimates of expenditures of future Escrow Items or othelWise in accordance with AppJicable Law, The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentaHty, or enlity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make sl.lch 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, without charge, an annual accounting of the Funds as required by RESP A. If there is a. surplus of Funds held in escrow, 115 defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESP A. If there is a shortage of Funds held in escrow, as'defined under RESP A, Lender shall notify 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 12 monthly payments. Ifthere is a deficiency of Funds held in escrow, as dermed under RESPA, Lender shall notify Borrower as reqtrlred by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance wilh RESPA, but in no more than 12 monthly pa.yments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promplly refund to Borrower any funds held by Lender. Borrower shall not be obligated to make such payments of Funds to Lender to the eXlent Ihat Borrower makes such paymenls to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. Ifunder Section 21 the Property is sold or the Property is otheIWise acquired by Lender, Lender shaH apply no later tban immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at Ihe time ofapplicanon as a credil against the sums secured by tlús Security Instrument. 4. Charges; Liens. Borrower shaH perform all of Borrower's obligations under any mortgage, deed of trust, or other security agreement with a lien which has priority over this Security Instrument. Borrower shaJl pay when due, all taxes, assessmenlS, charges, fines, and impositions attributllblc (0 the Property which 'can attain priority over this SecuritY. Instrument, leasehold payments or groW1d rents on the Property, if any, and Community Associarion Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien other than a lien disclosed to Lender in Borrower's application or in any title report Lender obtained which has priority over tlús Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so l,ong as Borrower is performing such agreement; (b) contesls the lien in good faith by, or defends against enforce men! of the lien in, legal proceedings which in Lender's opinion operale to prevent the enforcement of the lien while Ihose proceedings arc pending, but only until such proceedings are concludc:d; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating tbe lien 10 this Security Inslrument. Lender may require Borrower to pay II one-time charge for ,a real estate tax verification and/or reporting service used by Lender in connection with this Loan if allowed under Applicable Law. ' 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured agllinst loss by fire, hazards included within the term "extended coverage," and any ot~er hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shaH be maintained in the amounts (including deductible levels) and for Ibe periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during Ihe term of the Loan. The insurance carrier Wyoming Mortgogc-Sin¡¡le Family- Secondary LIen MERS Modlned Form 3801 OliUI -~"C~~~=,JNC_ II 1IIIIIfiïf~'ìllilllllnii~iTI~ñt~ + 0 2 0 3 0 2 6 1 4 1 + 0 0 A D + 5 + 1 3 <::f"" .::::... '.: ..~, ;::¡':::'_:j:';~'~'': "::::"".!~~I-U"~!'·I'."~~·;:'>f.~;;:"\:':\!C.21:C:i;\\.Y'~'"W-.1H~~J:·.::tL~t.:!.,.,~"-: ":':!;-<-::-:"o.'tr,.:', '. .'...',' ','. - ',- ..,.,'...'.!....~..".~.,~,.,. ;'". - ..-..../. -<~·(!~!IUCtfjif~.."!¥'~,d'~¥"""i"'~·~;~§::",,,: ~"; e":.';, :·:'~'r..~J:!'¡':.~.iI;,:;·.\'.".:'¡" '-¡'<"f·. '"~ .~.; "".'. "'''''~~,;o .".. '. 091.6653' C00311 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, eilber: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone detennination and certification services and subsequem charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by [he Federal Emergency Management Agency in connection with the review of any flood zone detemùnation resulting from an objection by Borrower. If Borrower fails to maintain ílny oflbe coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any pacûcular type or amount of coverage. Therefore, such coverage shall cover Lender, but might ormght not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liabHity and mght provide greater or lesser coverage than was previously in effect. Borrower acknowledges tbat the cost of the insurance coverage so obtained might significantly exceed the cost of insurance fuat Borrower could have obtained. Any amounts disbursed by Lender under this Section 5, sha1l be added to the unpaid balance ofthe loan and interest shall accrue at the Note rate, from the time it was added to the unpaid balance until it is paid in fu1l. Subject to Applicable Law, all insurnnce 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 additionn] loss payee. Lender shall have the right to hold the policies Bnd renewa] certificates. If Lender requires, Borrower shall promptly give to Lenderal1 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 andlor 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 rc:storation or repair of the Property, if the restoration or repair is economica1ly 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 Applicab]e Law requires interest to be paid on sucb insurance proceeds, Lender shbll not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be pnid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessetled, the insurance proceeds shaH be applied to the sums secured by tills Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file. negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice fÌom Lender that the insurance carr fer bas offered to settle a claim. then Lender may negotiate and settle the claim. The 30.day period win begin when the notice is given. In either event, or if Lender acquires the Property under Section 21 or otherwise. Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds ÎrI an amount Dot to exceed the amounts unpaid under the Note or tills Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) utlder all insurance policies covering the Property, insofar as such rightS are applicable to the coverage of the Property. Lender mny use the insurance proceeds either to repair Or restore the Property or to pa.y amounts unpaid under the Note or Ibis Security Instrument, whether or not then due. . 6. Preservation, Maintenance and Protection of the Property¡ Inspections. Borrower snall 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 !he Property W)'omlng Mongø¡:e-Singlc Fnmily- Secondary Llcn MERS Modlned Form 3801 01101 -~'~~~:' ,,~~ II IIIIIIII nïiïìll il~llIlÏiiíÌlïìiTIlrm~ + 0 2 0 3 0 261 4 1 + 0 0 A D + 6 + 1 3 '~I~I "'.'1 :':/:1: 0. "Nt:::::::~:i:~~ ~~B1~~[ ·····:;~¡~;~Lti.rl:~I;.:':'~I;'j':':·;':;!;'.oT.;;,·!",::\·,~...,.,~j1/I",: .'-. ,'.'. ,:::," 1.'-';' ·_~t·;~"'.:iI.~i~\', . . '..." :J.',:.:( '.:.~¡·.:O:I~r:'!'!i':j,:"!:,;.:.-- .:.:',' ..,.·L>-;;~'~&œarr.)¡."i*;;tJ·->~'f'¡jI.Eimh¡!:~!.,f~Y:-'~d""~~~":· '.' '..Y·-;':"':";1;I;"'-'·i:';':\':.'· ·;"~r.·'r ,..."....r-...:..., . . 0916653 C00312, L from deterio!"llting or decreasing in value due to its condition. Unless it is delennined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender bas released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in n single payment or in a series of progress paymcnls as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for tbe completion of such repair or restoration. Leoder or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 7. Borrower's Loan Application. Borrower shall be in default it: during the Loan application process, Borrower or any persons or entities acting at tbe direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statemenls to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but arc not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 8. 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 ami/or rights under tJùs Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which bas or ma.y attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for,whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, aad securing and/or repairing the Property. Lender's actions can include, but are not limit~d to: (a) paying aay sums secured by a lien which has or may attain priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain watcr from pipes, eliminate bwlding or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 8, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed iliat Lender incurs no liabilîty for not taking any or 0.11 actions authomed under this Section 8. Any amounts dišbursed by Lender under this Section 8 shall become additional debt of Borrower secured by iliis Security Instrument if al10wed under Applicable Law. These amounts shall bear interest at the Note rate from the date of disbursement and shaH be payable, with such interest, upon notice from Lender to Borrower requcsting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unJess Lender agrees'to the merger in writing. 9. Mortgage Insurance. 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 10 the Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mongage Insurance in effect. 10. Assignment of Miscellaneous Proceeds; Forfeiture. The Miscellaneous Proceeds of any' award or claim for damages, direct or consequential, in connection with any condemnation or other taking ofthe Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to WyomIng Morielge-Sing!c Family- Sccondllry LIen MERS Modified Form 3801 01JOI -Tn'C~'~~~.I~- II.lll,l llll,P'IiffiJ U III J¡"~~~~iNIDI)ù~ "'. .' :. '.è",' ~'ì'Ò!i~j!;~1 ~i''t'l~ !ì!J' :~: (t:~:-.:'l'.¡;;·~"'''''¡\' .,,:;:. "i-," 't:~ ..,~~~: ,': :'.,;_ n4~:'..· ; ":';".I'r '.(;..:,,,'..;.ëtnj;,.'¡".;'" " . . ".' '."·;;I'".';('.<!';I¡';'';·i·,'.·i~., .C' ··,·:"·<·.r,·'{~IR'L~I?rt '{I,~r,"t(li;·'¡':.".1:·.''':"i". .>......'-.'. ;:.,'" ~f.:'!¡!~~¡:¿~\:":~m:,~:..:'::.· ,~,¡ ~;·:~';i~fi~.~..;.I.., 0916653 C00313 the terms ohny mortgage, deed of trust or other security agreement with a lien whicb bas priority over this Security Ins Iru ment. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration 01' 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 shoJI 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 shan be undertaken promptly. Lender may pay for the repairs and restoration in a s-ingle disbursement 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 Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscel1aneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the MisceJlaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not !hen due, with tbe excess, if any, paid to Borrower. Such Miscellaneous Proceeds shan be apptied in the order provided for in Section 2. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as dermed in rhe next sentence) offers to make an award to settle a claim for damages, Borrower fails toeespond to Lender within 30 days after the date the notice is given, Lender is authorized to collect !lnd apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security IDsttument, whether oe not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. 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 impairment of Lender's interest in the Property or rights under this Security Inslrument. Borrower can cure such a default and, if acceleration has occwred, reinstate as provided in Section 18, by causing the action or proceeding to be dismissed with a rulil1g that, in Lender's judgment, precludes forfeiture 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 hereby assigned and shall be paid to Lender. AU MiscelIaneous Proceeds that are not BppJied to restoration or repair of the Property shan be applied in the order provided for in Section 2. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lcnder to Borrower or any Successor in Interest of Borrower shaH not operate to release the liability of Borrower or any Sudcessors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to-extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right .or remedy. 12. Joint and Several LiabilltYi Co-sIgners; Successors and AssIgns Bound. Borrower covellants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Inslrument but does not execute the Note (a "co-signer"): (n) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interesr in the Property under the terms oflhis Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the tenns of this Security Instrument or the Note without the co-signee's consent. Subject to the provisions of Section 17, any Successor in Interest of BOlTower who assumes ~olTower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released trom Borrower's obligations and liability under this Securily Inslrument unless Lender agrees to such release in writing. The covenants and Wyoming Mortgulle-Sll\glc Fnmily- Secondary Llcn MERS Modified Fonn 3801 01.111 -TU'~=~.¡"C~ II II Iii I111 hiïiïìm IIII ("'iI1i(mmlîf~il + 0 2 0 3 0 2 6 1 4 1 + 0 0 A 0 + a + 1 3 ¡l~~~~ili~ilii~ljj ::::::;:::::*iliE~1 ;:::;:;:;:;;~~;t;:;:;~: ;;·:!I';-~,··,.~á~·~-r."":...~~"'~·'-! ·":"-:<I:l".~\·."t'J·'~'~":J~I·t:!":"t:I:!~~;;,~"\:&':ç';~').:····,'.':~';:i"'~::J.....3... . ...~.;'... -.', , ;.-:_~~":.-'1~.~;-~'....:-_ .' . " '.' ',' :..,.-., ..~.:.,':i:':.:':..,~~¡ . '-·:j'¡'.<:,'.V\¿'"õ;]t~~.~';:r.:..~"!:' ·,f1.!t',·'_C¡<~f':.i'.';'· ·;:o;:'·r·;r,IJ'a;1iI¡~'&'i.'·.·,·'''¡' . ~~ .':' '·~_Io:'¡."'~~:'.~ 0916653 C00314 agreements ofthis Security Instrument shall bind (except os provided in Section 19) and benefit the successors and assigns of Lender. . 13. Loan Charges. Lender may charge Borrower fees for services performed in conneclÍon with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, as allowed under Applicable Law. The absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finaJlyinterpreted so that the inlerest or other loan charges collected or to be collected in connection with the Loan exceed the pemútted limits, then: (II) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits wil1 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 reduction will be treated as a partial prepayment. 14. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security I!l$trument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address ifsent by other means. Notice to anyone Borrower shall constitute nonce to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only One designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by de1ivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shaH not be deemed to bave been given to Lender until actually received by Lender. If any notice required by lhis Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. ]5. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the Jaw of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law rrught explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be constrUed as a prohibition agai!l$t agreement by contract. In the event that any provision or clause of thi~ Security Instrument or the Notc CO!1f1icts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of [he masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 16. Borrower's Copy. Borrower shall be given one copy oftbe Note nnd oflhis Security Instrument. 17. Transfer of the Property or a BeneficIal Interest in Borrower. As used in this Section 17, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed. contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If aU or any part of the Property or any Interest in the Property is sold or tra!l$ferred (or if Borrower is not B natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by tlús Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. , If Lender exercises this oprion, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Sectiol1 14 within which Borrower must pay alJ sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the Wyomtng MonGII¡:c-Singlç Family- SecondoI")' LI~n MERS Modlß~d Form 38QI OlAJ1 -T".c~~~~~'.C~ II III I II (iïi'ìÌII 1111 (1¡mTI~~1íñ~ + 0 2 0 3 0 2 6 1 4 1 + 0 0 A D + 9 + 1 3 .. '.' ¡:·~~:-=-~;::'-1~.:¡:¡:4~':'-' ';'.":~:':'.!-:!;.';:"'-:;:;'''-'~;_¡i.j;":: ·'t.,',"':-·"" .- ",':"" .,-,"'~",,,-i; -'.. . . -',:; tt: ¡~¡ ~'·"..~I~.:".·,·, .; . -"'·M::;........'+~iflo!:-'...;.'·~'!.'l:~;:~\!~\!...; ,.,".".~ -,," . . I: !;':'¡', '.,'. t;~ I;' . _ "," ·'ó,';.......¡.....,..',.. 0916653. C00315 expiration of this period, Lender may invoke any remedies penrutted by tlUs Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the rigbt to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale oftbe Property pursuant to Qny power of sale contained in this Security Instrument; (b) such other period as Applicable Law IIÙght specify for the tenrunation of Borrower's right to reinstate; or (c) eDtry of a judgment enforcing this Security Instrument. Those conditiolls are that Borrower: (a) pays Lender an sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any oilier covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, as allowed under Applicable Law; and Cd) takes such action as Lender may reasonably require to assure that Lender's imerest in the Property and rights under this Security Instrument, and Borrower's obligation to pay tbe sums secured by this Security Instrument, shan continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash: (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided IIny such check is drawn upon an institution whose deposits are insured by a federal agency. instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security InstrumeOl and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shaH nol appJyin the case of acceleration under Section 17. 19. Sale of Notcj Change of Loan Scrvicer¡ 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 BorroWér. A sale might result in a change in the entity (known liS the "Lonn Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs 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. rfthere is a chlUlge of the Loan Servicer, if required under Applicable Law, Borrower will be given written notice of the change which \\111 state the name and a.ddress 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 ServÍcer other than the purchaser of the Note, the mortgage Joan servicing obligations to Borrower wiH remain with the Loan Servicer or be transferred to a succe$sor Loan Servicer and 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 any 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 allegeš that the other party has breached IUIY provision of, or any duty owed by reason of, t1ùs Security Instrument, until such Borrower or Lender has notified the other party (wilh such notice given in compliance with the requirements of Section 14) of such nlleged breach and afforded lhe other party hereto a reasonable period after the giving of such ootice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this section. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 21 ånd the notice of acceleration given to Borrower pursuant to Section 17 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 19. 20. Hazardous Substances. As used in this Section 20: (n) "Hazardous Substances" are those substnnces defined as toxic or hazardous substances, pol1utants, or wastes by Environmental Law and the following substances: g3so1ine, kerosene, other flanunable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials comaining asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of lhe jurisdiction where the Property is located that relate to health, safety or envirortmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal· action, as derIDed in Environmental Law; Dnd (d) an "Environmental Condition" means 8 condition that can cause, contribute to, or otherwise tJigger an Environmental Cleanup. Wyoming MoncD¡:c-Single Family- S~ndllry LIen MERS Mudlncd Form 3801 DIm _~tt~=~~.~c~ II 111111 IÏiilffl m II "~iiíìlrñ"~1nt~ + 0 2 0 3 0 2 6 1 4 1 ~ 0 O· A D ~ 1 0 ~ 1 3 ~·'·;·I·~r.f~;.;;.;;~ ~~~!~~:~ ~m:~~ :þ :¡ . ':1 IJ;.,;..:.;,;.;....,,·,' ,',:<,',',',., ,....,., ", ''f''; ,. :":"~'~I ~'å! '. :'~-:-.i'.::.!:.:¡'i','.' , ' . . . ., .; ,'~':, :'ili-':.:I;':':::I:'· i~': . '·'··"'1;··ilt\\t·:t;nJ:¡¡:i::ili.>,:!",,"J~"··I,·!:q~~.·:~.'<·.,: .,', .': ....;':¡,;;'j;;.;.....~,..J~~'.',:.';.'...". "'.,. ;"''''...¡~,.;.'.'; ~,' 00316 0916653 Borrower sball not cause or pennit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release nny Hazardous Substnnces. on or in the Property. Borrower shall not do, nor allow anyone else to do, anytlûng 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 adverseLy aITecrs me value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shalt promptly give Lender written notice of (a) an}' investigation, claim, demand. lawsuit or other action by any govenunentat or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowLedge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release or any Hazardous Subslance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affecls the value of the Property. If Borrower learns, or is notified by any govenunemal or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance wim Environmental Law. Nothing herein shall create any obligation on Lender for an Environmentll Cleanup. NON. UNIFORM COVENANTS. Borrower and Lender further covenant and agree liS follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prIor to aeceleratíon following Borrower's breDch of any covenant or agreement in this Security Inslrument (but not prior to acceleration under Section 17 unless Appllcabte Law provides othcnvlse). The notice shall specIfy: (a) the default; (b) the action required to cure the default; (c) a dllte, not less than 30 days from the date the notice is given to Borrower, by whIch the defnult must be cured; and (d) that failure to cure the default on or before thi date specified in the notice may result in Dcceleration 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 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 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 21, including, but not limited to, reasonable attorneys' fees and costs of title evIdence. If Lender invokës 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 14. 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 shail be applied In the following order: (11) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this SecurLty Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may chatge Borrower n fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is pennitted under Applicable Law. 23. WDlvers. Borrower releases and waives all righCs under and by virtue of the homestead exemption laws of Wyoming. REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR Wyoming MongAg~Singlc F¡¡mil)'- SccondDry Llcn MERS Mudtncd Form 3801 01101 -T""~.~~~~~."c·-II.lIIJ llll ~ï:¡¡jÜ 1II,iII. "nOJ]B1t~ .' ~ 1:- q;E;I:~:EI~~¡íi:I'I;';¡:;:\'i:¡¡':;,!i!i:,~~:::c :';:"''¡:.:~i':'::;''~::~''~~~' "!,,.':.,..:.,'i·'''l' ·,······:·:·:.:.:.:L':Ò~t;I:." ·!!P,;.,..~.J':):f~·.,....... :'<:'f~'Ø;""..:":~~':"';~':~·.-', or ~,;, ,'. ·.qh·~t.;·~f¡·.·,':I¡·,"(¡·"··;· , . -·I~'~...I;':· :'~<t..:1!i'2..-Þ~.': 091.6653 C00317 MORTGAGES OR DEEDS OF TRUST BOlTower and Lender request thc bolder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Security Insrrument to give notice to Lender, at Lender's addrcss set forth on page one of this Mortgagc, of any default under the superior encumbrance and of any sale or other foreclosure action. (Signatures on Fellowing Psge} BY SIGNING BELOW, Borrower accepts ond agrees to the terms and covenants contained in Ihis Security Instrument and in any Rider executed by Borrower and recorded vith it. Witnesses: (Seal) -Borrower Printed Name: [Plesse Compls/s} Gr~¿~ DA A NAAB (Seal) -Borrower Printed Name: [Plurs Complele} (Seal) -Borrower (Seal) -Borrower [Space Bs/ow This Line Fer Acknowlsdgmrmt} State of LC) ~{ llCj County of U ~O \ \A-- § § § Before me the undersigned authority, on this day personally appeared 5 "rº-e9 r~ '(j Wa-CL Û CUAd ~ UCLCLb Wyomln¡¡l\fortgøge-Single Family- Secondary Lien MERS Modlßcd Form 3801 GUlt -M~~~~~"INC_II JIIIlllll~ mÎf(III"~I. 'nì~Ul1~1]r~ "~':m:~:::::::::::::;:t ltlt~I·.~I·,I..'.'.. . Li4~~.,'.J :Jmffiillrj? ;¡: ::I~~'"i:,,::¡'I~; :J'I!::1.7;· :L::';-~:.i :'-:'!"'::J:~,~":I"::H:v.;..-;.·:;,.....,_ ;"''':';-:;¡~ '_.',,;.. .~~. ,...., -":",,~~-'::':<~', ,',' ·:·,·.·.·.·'·.·4...·.·.·.·.·. "'.' ·_,,;;,',!Io!J!:::·J.III."Yfl.... '.;I_~-...,:h":..jr~·-::_~...;"r~·..,¡~~... ..... \. . !,'.......,r:...:.~.),' '"'. :-'_1,;-' .: ,~"';:::!" ._'._:.."'~I"~"" ~_.._...o: ". 0916653 C00318 Iœown to me (or proved to me through· an identity card or other document) to be the person(s) whose name is subscribed to' the foregoing instrument, and acknowledged to me that he/shc/they executed the same for the purposes and consideration therein expressed. I \ ~ \ A/">.. f\ Given under my hand and sCOlI on this I day of y~V- CJJ'.- . -;;rot,o ~q~ NotsIY. Publi¢ p~~ d 5VOlÙì<-. (Seal) N"'NCY J BROWN - NOTARY PUBLIC """"" a -" UfIa)/n 'WI WycIcrIIna My CommI..1on &phi 6025-2006 My Commission Expires: 10 QSIex, WyomIng Mor1¡:u¡:c-Singlc Family- Sccondo.ry Llcn MERS Modified Form 3801 01101 -T"<~=~, ,,~- II IIIiIIIII Ílìïìiï' 1111111 "~imrñ~m¡ltll + 0 2 0 3 0 2 6 1 4 1 + 0 0 A D + 1 3 + 1 3 . ".}. .,' ..,".,.,,".', ; n····· . - .'..'.;;,"."', ,., ,,'-III"'.":';;_:. .;',... .;. '" .~,....,."".' 0916653 C00319 THE FOLLOWING DESCRIBED TRACT OF LAND IN THE CITY OF ALPINE, LINCOLN COUNTY, STATE OF WYOMING, HEREBY RELEASING AND WAIVING ALL RIGHTS UNDER AND BY VIRTUE OF THE HOMESTEAD EXEMPTION LAWS OF THE STATE, TO-WIT: LOT 58 OF THE THREE RIVERS MEADOWS ESTATES SUBDIVISION "B", COUNTY OF LINCOLN, STATE OF WYOMING, BEING A PART OF THE SWl/4SWl/4 AND THE NWl/4SW1/4, SECTION 28, TOWNSillP 37 NORTH, RANGE 118 WEST, 6TH P.M., WYOMING. TAX ID #: 3718-283-01-032-00 BY FEE SIMPLE DEED FROM RICHARD 1. JENKINS AND KATHLEEN A. JENKINS, HUSBAND AND WIFE AS SET FORTH IN DEED BOOK 452, PAGE 160 AND RECORDED ON 9/18/2000, LINCOLN COUNTY RECORDS. THE SOURCE DEED AS STATED ABOVE IS THE LAST RECORD OF VESTING FILED FOR TillS PROPERTY. THERE HAVE BEEN NO VESTING CHANGES SINCE THE DATE OF THE ABOVE REFERENCED SOURCE. 1781546 f~::::::;::::::::::;::;:} ~;~:±::~:~:::I ~:~~~:~ !~:~;:'~:~4m}::.,;4 .'. '.I~"...'..J..:..:~,.,..""'."':'J"~""':': _;.;.:.;.¡;.,...,...' :;li'':'~.' .'T,· ~'.. ,,': '. . :, "~';.., '~';,~".;' .,. .', .....,........r......~jII.'... . '.::, .~J¡.,.; ,~!~~··,(V' ..~....~~ !·,UI').!. "t!':'..,.:¡,. ~...., ':oO , ·"..)'.·...¡,·1;.t.j·~_;.i ......,..., ,.... ,....,......;.;..,¡~~;.... 091.6653 00320 Legal Description Exhibit "A" tot 58 O/the Three Rivers Meadows EstateS Subdivision "1V" County of LincoIn, State of WyominSs be.ing It part of the SW1/4SW1!4 ADd th¢ NW1I4SW1I4» Section 28. Township 37 North, Range 118 Wè&t, 6111 P.M., Wyo~ :