HomeMy WebLinkAbout917981
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COC51.7
.AFTER :RECD1IDIHG :RETD:RN ?XO:
:FIRST ~ OF 'Tn~+m,
::F.s13
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JŒTGmM, :rn B334D
.1cr"TN: :I..OAN ,])EP~
~ARED J:iY:
~El' .BTANCA1mNE
:FIRST ~ OF ::IDA1IO,
:F.s13, :DBA :FIRST ::BAEK DF
~ ~ON.s
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::BROADWAY
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RECEIVED 31212DD6 lit 1D:32 AM
RECEIVING:# 917981
BOOK: ~18 PAGE: 517
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
-.-- -. - - - -- - -
ISpace Above TJús Line For Recording DJÚ8]
MORTGAGE ~OJŒXJ:CB
LOAN ~h -494n2DìIM .
JUN: ,J,DDJ.ìfiD2DDDD2J.J~
])EFINTIJONS Y.IN: 36:l92£4DI12:65DD
Words used in:mn1íiple BeCtions of ibis ilocument Me defined below .and other words Me defined in 'sections 3,
11, 13, 18, 20 .and 21. Certain:rules regardin,g íhe usage of words llSed in ibis ilocument Me .also provided m
'section 16.
(A) "''security1nstnunent~.means1:hisdoC1lJI1ent, w1ricJ1isilatedAPlaL :2:6, :2DDii ,10gether with
.all Riders to 1his document.
(B) ""BOJTow£T~is:B1ŒNTDN 3r. ~DMETICH -Ie EHERI ?XOMETICH, :EJ.s13A1ID AlIID
"WIFE
:Borrower:is íhe mortgagor:under 1his ,security l:nstnnnent.
(C) ""MERS":is Mortgage :Electronic :Rt:,gistration Systems" Jnc. MERE :is ~ .separate .corporation that is llCting
.soJe1y .lIE ~ :nominee £or Lender .and Lender's .successors .and .assigns. MERS is the mortgagee :under this
Security 1nstrnmenL MERS :is OT,ß11111'Z¡.,d .and 1::xisting :under íhe laws of Delaware, .and has lIIl -address .and
1elephone :number ofP .0. :Box2026,:F.lint, MI 48501~026, 1el. (888) 679-MERS.
(D) ""Lender~ is ::FIRST ~ DF ::IDA1IO, ::F.s13, :DBA ::FIRST ::BAEK OF ~
~DNB
Lender is li amPDRATIDN
- Lender's llddr-ess is
or,ßlln17P.iI.and -exi!:ting :under íhe laws of
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(E) ""Note~.means :the ]1Tomissmy :note signed by :Borrower .and Dated .D1lIL:2ii,,:2D Dii
5tates :fhat:Borrower owes Lender
IJ:1JUSJS +lIINI....CIl ~GHT ~ A1iID DD/:lDD
])ollars (U.s, $ 3DB, DDD - DD ) plus :interest. Borrower lIas ]JTomised 10 pay 1his .debtin r:egular :Periodic
J>lI}'II1eIIts.and 10 pay:the .debtin ::fiill:not later:than .,¡nmE :l, :2D3-6
(F) ""Property....means íhe ]1TOperty that is .described below :under 1he llf~lInlnE "'TTIln~M" of.Rights in
1he J>roperty ."
_ IlwNote
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WYOMING-Single l',JIJJJjJy-F,JUWje MaelFreddie Mac UNIFORM INSTRUMENT
DOCUKWYI
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'1'onn 31151 1/01
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(G) "'LwuÎ":means 1he .debt :evidenced by 1he Note, plus :iriterest, lIDY'Prepayment charges lIDd late .charges rlue
:under1he Note, JIIld 1Ill sums rlue under this Security1nst:rument, plus interest.
(H) ~ders"':means 1Ill Riders to this Security Instrument that Me executed by Borrower. The :following Riders
Me to be executed by Borrower I check box llS ,applicable]:
JXI Adjustable hte Rider Ð Condominium Rider
Ð ThùloonRider Ð Planned UnitDevelopmentRider
Ð 1-4FmnilyRider Ð Other(s) [specify]
Ð Second Home:Rider
Ð Biweekly P,aymentRider
(1) ""Applicable Law"':means 1Ill.controlling ,applicable :federal, .state JIIld 10cal5i:atutes, regulations, ordinances
.lIIld flrlmini<:trative rules JIIld orders (that .have the effect of law) llS wellllS ll1l.applicable fi:naL Jlon-.appea1able
judicial opinions.
(J) ""Community Association Dues, F-ees, ,and Assessments'" :means 1Ill dues,:fees, llSse!:RTT1P.T1t!: JIIld other
cl1arges that Me :imposed on Borrower or the Property by ,a condomininm llSSOciation, l1omeowners llSSOciation or
similar organization.
(K) ""Electronic Funds Tr,ansfer'" :means .any transfer of funds, other than ,a íransaction originatedhy check,
draft, or .s:imilar paper instrument, wJrich is IDitiated through .an electronic 1fflT11Ínfll, telephonic instnnDení,
computer, or magnetic 1ape so llS to order,:instruct, or lWthorize ,a iinflnr.ifll institution 10 debit or -Credit lID
llCcOlDlt. Such 1enn includes, but is Jlot limited to, point-of-sale transfers, ,automated :teller 'TT1f1r.nim~ transactions,
1ransfers initiated byíeIepl1one, wire ÍDIJlSÍers, lIDd lWtmnated c1~flrinzhouse 1I:ansfers,
(L) "'Escrow Items'" :means those items that Me described m Section 3.
(M) "'Miscellimeous Proceeds'" :means lIDY compensation, .settlP.TnP.nt, ,awMd of damages, or proceeds paid by
..any thlld party ( other than .insurance proceeds paid under the covernges described m Section 3) :for: (i) damage to,
or destruction of, 1he .Property;' (ii) conilffl1lnfltion or other íakingof JÙl or llllY :part of the Property;
(iii) .convey1lDCe :in lieu of cnnil~mnfltion; or (iv) misrepresenhltiml!: of, or omissions llS to, the V1Ùue llnrl/or
.condition ofthePmperty.
(N) "'Mortgage InsurJlIlœ'" :means .insurance protecting Lender ,against the JlDI1p1lyment of, or default on, 1he
Loan.
(0) ""P:eriodic -PJtymení'" :means the regularly scheduled,l)ID()unt rlue :for (i)pTinr.ipfll JIIld interest under the
Note, plus (ii).any.amounts.under .section 3 of this Security 1nstrument.
(P) ""RESPA"':means the Real Estate Settlement Procedures Act (12U.s.C, §260l-et$eq.)lIDdits:impl~mp.ntTnE
regulation, Regulation X (24 C.ER..Part3300),,as they might be flmffllil~d :fiomtime 10 time, or.any flililitioml or
.successor legislation or regulation that governs the .same subject matter. As used iu this Security 1nstnnnent,
'"RESPA'" rcle:rs to lI11 r-equiremen:ts lIDd restrictions that Me :imposed :in regID'd to ,a ""fedenilly related mortgage
loan"':even jf theLaan does Jlot 4wilify llS,a "fedenùly re1atedmortgage loan'" under:RESPA.
(Q) ....successor in 1nt:er~st of B01Tow~r'" :means lIDY party that .has taken 1itle 10 1he J>roperty, wl1etheror Jlot
thatpmiy l1asllSsumedBorrower'j¡ obligations under the Note.ll1ldlorthis .security 1nstmment,
ìRANSFER OF IDGHTSJNTIIEPROPERTY
This .security 1nst:nnnent .secures to L-ender: (i) 1he repayment of the Loan, lIDd 1Ill reneWllls, :extensions. JIIld
.modifications of the Note; JIIld (ii) the perfonnance ofBorrower's .covenants lIDd.agreements under this .security
1nst:nnnent lIDd the Note. For this 'Purpose, Borrower doesl1eIeby mortglige, ,grnnt lIDd convey to MERS (.solely llS
Jlominee for Lender J1nd Lender's .successors lIDd llSSigns) .lIIld to the .5UCCessors lIDd llSSignsof MERS, with
'Power of .sale, the following described property located jn the
COImTY of LINCOL1'l
¡Type of Recording Jurisdiction] ,[Name of Recording Jurisdiction]
LOT 232 'lIDRDIC ::RANCHEB ::DIVISION :NO. :0., LINCOL1'l COImTY, "WYOMING
ACCORDING ~D :THAT ~L1cr :FIIiED.AUGUST :3.5, 2DD~ AS ~L1cr ,NO. ~94-:D
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WYOMING-Single F.amily-FJIIlIÚe MelFr.eddie MJic UNIFORM INS:rRUMENT
DOCUKWY2
:DOClJXWY2."V%X DB/2SþO¡)3
Fonn30511101
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0917981.
which currently lIas íhe liddresS of :LB 'TOEY
~
I City]
-494 D:2 Dì D4
~M:;i! (AXA:LB:POEY ~M;"Jë!)
IStreet]
, Wyoming 13312'7 ("Property Address"):
[Zip Corle]
TOGETHER WITH .àll 1:1re :improvements DOW or.hereafter ~ected on íhe property, .and .àll -P.H¡:p.mP.TIto;:,
lippurtenances, .and :fixtures DOW or .hereafter 11 part ofíhe property. All replacements .and .additions .shall.also be
'covered by this Security lnstrument, All of 1:1re foregoing is :referred 10m this Security lnstrument .as
íhe"'Property." Borrower nnderstands.and ,agrees iliat MERS .holds only legal title to íhe :interests ~d by
Borrower m this Security lnstnnnent, but, jf JleœssaIy 10 comply with law or œstom, MERS (as Dominee :for
lenrler .and lender's successors .and 1iSsigns) lIas íhe right: 10 :exercise llIlY or .àll of those :interests, mdllnlnE, but
Jlot limited 10, íhe:right 10 foreclose .and sell the Property; .and to 1alœ llI1Y liCtion requITed oflender mcluding, but
JlOt limited to, :releasing llIld amceling this Security I11SÍI1llI1f:1lt.
BORROWER COVENANTS iliat Borrower is lawfully Beised of íhe estate .hereby 'conveyed.and lIas íhe:right 10
::mortgage, ,grunt.and ,Convey íhe Property .and 1hãtíhe Property is 11TIp.nr:lImhered, except:for -encumbrances of
:record. Borrower warrants .and will defend Eenera11y íhe 1itle 10 íhe j)roperty -against.àll .c1allns.and iI~mHnilo;:,
5llbject 10 JUly -encumbnmces of record.
THIS SECURITY INSJRUMENT 'combines unifonn covt:nants:for Dationa1 nse .and Jlon-unifann,Covenants with
limited v11riations by jurisdiction to ,Constitute li unif ann security instrument ,C overing :rea1property.
lINIFORM COVENANTS. Borrower .and lender 'covenant.and,agree.as :follows:
1. J>liyment Df Principal, Intert$t, 3i:scrow Items, PrePJlyment Charges, .and Late Charges.
:Borrower Mall pay w.hen due the p:rinc]pal at: .and :interest on., íhe rlebt -evidenced by íhe Note .and llIlY
prepayment cl1ar,ges .and late .charges due nnder íhe Note. Borrower .shall .also pay :funds:for :Escrow Items
pursuant to Section 3. PlIyments due nnder íheN ote .and this Security Inst:rument .shall be:made in U.s. !:UlTency.
However, jf llIlY l:heck or other instrument :received by lender liS payment under 1:1re Note or this Security
1nstrument is :retw:ned 10 lender 1IDpaid, Lender :may :requir-e iliat llI1Y or.àll subsequent payments due under íhe
Note.and this Security Instrumentbe:madem one onnare ofíhe:followill,gfonns,.asBclected by lender: (11) cash;
(b):money order; (c) certified check, bank l:heck, 1n:asur~' s rl1eck or -CaShier's check, provided llIlY Buch rl1eck is
1lrawn upon llI1 mstitution whose rleposits .afe IDsured by li federa1 ,agency, :instmmenta1ity, or 'f:Iltity; or
(d) :E1ectronic :Funds TIaDSfer.
J>liyments.afe deemed :receiveD by lender w.hen :r'f:Ceived litíhe location rle~ted m 1he Note or]it Buch
other location .as :may be designated by Lender m llCcordance with íhe Jlotice provisions m Section 15. lenrler
:may :r-etum llIlY payment or partial payment jf íhe paymeDt or partial payments .afe :irumffi MP.Tlt 10 bring íhe lrum
!:UlTent.lender may llCœpt llIlY payment or partial payment m¡;l1ffir:1P.Tlt to bring íhe Loan l:UITent, without w.aiv~
of llIlY rights .hereunder or prejudice 10 :its rights 10 r-efuse:such payment or partial payments m íhe futur-e, but
Lender is:not obligated 10 lipply BUCh payments lit íhe 1ime such payments .afe liCœpted. If :each Periodic PlIyment
is liPplied.as of:its .scheduled due iIate, 1ben Lender Deed Jlot pay :interest on llll8pplied :funds. lender may 110ld
'such lillapplied:funds until Borrower makes payment:tO bring íhe Loan l:UITent. 1fBorrower DOes DOt do so witllln
li :reasonable period ofiime, lender.shall:either ltpply 5llCh:funds orTetum them 10 Borrower. lfJlot lipp1ied
i:arlier, such :funds will be lipp1ied 10 íhe outstanding ]ll:incipalba1ance under íhe Note imm~ill:1tp.ly prior 10
:for:ec10SlIT-e. No offset or clalln wlricl1 :Borrower :nri,ght mve :now or m íhe future-against lender .shall relieve
Borrower:from TI1Hlri11,£ payments due nnderíhe Note.and this Security Inst:rumentorpeI:forming íhe l:Ovenants
llIld ,agrœmentssecured by this Security Instrument.
2.AppIication Of]>liymentsor Proceeds. :Except .as otherwise 1lescribed m 1his Section2, .àll
payments llCœpted .and lipplied by Lender Mall be llpp1ied in 1he :following order of priority: (a):intert:st due
nnder íhe Note; (b)prinr:ip:11 due nnder íhe Note; ('c)1UJlOllllÍS due nnder Section 3. Such paymeIJís.sha11 be
llpplied 10 :each Periodic -Pllyment m íhe order m which it became due. Any Tt=lHmi11,£ 1UJlOunts .sha11 be ltpp1ied
iirst to late .charges, :second 10 llI1Y other .amounts due nnder this "security 1nstrument, .and 1ben 10 :rt:rluce· íhe
principal balance of1:1re Note.
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WYOMING-S:ingle FJunily-:F-"DJlie MulFreddie M.u UNIFORM INSTRUMENT
DOCUICWY3
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:Form 30511/01
(page3 of 14 pages)
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09~?981.
C00520
494D2D'7D4
If Lender receives ß, plIyment from Borrower for 11 œ1inquent Periodic Pß,yment· wbicb :inc1udeS11
sufficient ll1Ilount 10 Pß,YlIDY late cl1arge due, the payment may be ß,pplied 10 the delinquent plIyment lIJ1d the late
cl1arge. If more íllim one Periodic Pß,yment is outstandin,g, Lender may 11Pply lIDY plIyment received from
Borrower 10 the repayment of the P:eriodic P-ayments n, ll1ld 10 the extent that, each :payment -Call be paid :in full.
To 1he :extent thatlIDY :excess exists lÛter the plIyment is ,applied to the full payment of one or more Periodic
]>ß,yments, such excess JDaY· be 11pplied to lIDY late .charges due. V ohmtary prepayments .shall be llpplied :first to
llllY prepayment .charges ll1ld then,as œscnoed :in the Note.
Any ß,pplication of payments, IDsmance proceeds, or M:isce1laneous Pmceeds 10 principal due under the
Note .shall not:extend or postpone the due date, or change the ll1Ilount, of the ]>eriodic ]>ß,yments,
3. Funds for Escrow Items. Borrower .shall pay 10 lender on the day J>:eriodic J>l1ymentS Me due
:under the Note, until1he Note is paid in:full, ß, sum (the "Funds") to provide for payment of lllllOunts due for;
(ß,):taxes ll1ld llSSesSIDenÍS ll1ld other items wbich can ß,ttaln priority over this Secm:ity lns1:rumentllS ß, lien or
t:nemnbrance on 1he Property; (b) leasehold payments or ground rents on the ]>roperty, n lIDY; (1:) preminm~for
llllY lIJ1d llll.1nsllDUlCe required by Lender under Section 3; ll1ld (d) Mortgage 1nsurance prfiT1il1nl~, jf lIDY, orlIDY
5lJ]])S plIYß,ble by Borrower 10 l-ender .in lieu of the payment of Mortgage lnsurance premiums :in llCCOTdance with
1he provisions of Se1:tion 10. These items Me 1:alled ·:Escrow Items," At origination or 11tllllytime ß:uring :the term
of the Loan, Lender may require 'that Cmmmmity Association Dues, Fees, ll1ld Asse~!m1p.nts, if llllY, be :es1:rowed
by Borrower, ll1ld such dues, fees ll1ld llSSe~!m1p.nts -Shall be 1Ill Escrow Item. Borrower .sha1l promptly furnish 10
Lender llll notices of lllllOUllÌS 10 be paid :under this Section. Borrower .shall pay lender the Funds for Escrow
Items :unless Lender wmvesBorrower's olJligation 10 pay the Funds for lIDY or llll :Escrow Items, Lender may
wmve Borrower's obligation 10 pay 10 l"eDder Funds for lIDY or llll Escrow Items 11t lIDY time. Any such wmver
JDaY only be :in writing. In the :event of such wmver, Borrower shall pay directly, when ll1ld -w.her:e plIyable, :the
ll1Ilounts due for lIDY Escrow Items for wbich payment of Funds J1as been wmved by Lender .and, n Lender
requires, . shall :furnish to Lender receipts:evidenc:ing such plIyment within .such time period llS Lender may
require. Borrower's obligarion 10 make such payments ll1ld 10 provide receipts .shall for -1Ù1 pmposes be deemed 10.
be 11 1:Ovenant ll1ld ;¡greement 1:Ontained :in :this Security Jnstrument, ~s the phrase "'covenant lIJ1d .agreement" is
.used :in Section 9, If Borrower is olJligated 10 pay Escrow Items dir:ectly, pursuant 1011 wmver,lIJ1dBorrower:fails
10 :pay the lllllOunt due for 1Ill Escrow Item, L"eDder may exercise its Tights under Section 9ll1ld pay sru:h llID.ount
ll1ld Borrower .shall1hen be obligated under Section 9 10 repay 10 Lender lIDY such ll1IlOunt. Lender may revoke
1:he waiver ,as 101lllY or llll Escrow Items ß,t lIDY time by 11 notice given:in llCcordanJ:;e with Section 13.and, npon
5Uch revocation, Borrower shall pay 10 Lender llll J'unds, lIDd :in such lllllOunts, that Me then required under 1his
Section 3 .
Lender may, 11t llllY time, 1:ollect ll1ld hold Funds :in lIDll1IlOunt (ß,) snffi r.iP.T1t 10 pemrit Lender 10 ß,pply
the Funds 11t the time specified under RESP A, llJld (b) not 10 :exceed the m:rximUT]1lllllOunt 11 lender -Call require
under RESPA. Lender .shall :estimate the ll1Ilount of Funds due on the basis of 1:mrent data lIJ1d reasonable
estimates of expenditures of future Escrow Items or otherwise .inllCcordance with Applicable law.
The Funds shall be held:inlID institution whose deposits Me :insured by 11 federal ,agency, mstTlITTwnta lity,
or :entity (:including L-ender, jf Lender is lID :institution whose deposits Me. .so :insured) or in llllyFederal Bome
loan Rank. lender .shallllpply the Funds 10 pay the Escrow Items no later than the time specified under RESPA.
Lender ß1all not cl1arge Borrower for holding lIJ1d 11pplyjng the Funds, lIIllllIilly .analyzing the :escrow llC1:Ount, or
verify:ingthe Escrow Items, unless Lender plIYs Borrower interest on the Funds lIJ1d Applicable Law permits
Lender 10:make such l1.charge.U.nless lID ;¡greement is :made.in writing or Applicablelaw requires .IDíerest 10 be
paid on the Funds'lender shall.1lot be required 10 pay Borrower lIDY.:interest or eaTI1ing~ on 1he Funds. Borrower
JlIld Lender -Call,agree :in writing, however, 'that interest .shall be paid on the Funds. Lender .shall.give 10 Borrower,
without .charge, lIDllIJIlWÙ llCCOunting of the Funds llS required by RESP A.
If:there is 11 .surplus of Funds held :in escrow, llS defined under RESP A, Lender 5hallllC!:onnt 10 Borrower
for the :excess :funds.in llCCordance with RESP A. If 1here is 11 .shortage of Funds held .in :escrow, llS defined under
1ŒSPA,Lender shall notify Borrower 11S required by RESPA, ll1ld Borrower .shall plIy 10 Lender the lllllOunt
necessary10:make up the .shortage.in llC1:0r1Ìance withRESP A. but:innomore than 12:monthlypllyments. If there
is 11 deficiency of Funds held:in escrow, 11S defined under RESPA. Lender .shaJl.1lotify Borrower llS required by
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WYOMING-SiDgleF,amily-]1--me MaelFreddie MJu: UNIFORM INSTRUMENT
DOCUKWY4
:DOCDniY~.-=X lUI~t:2J)D5
Fonn30511/OJ
(page4 of 14 pages)
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RESPA, .and Borrowa .shall p.ay 10 lender 1he zmount necessary 10 :ma1œ up 1he deficiency :in lICcordance with
:RESPA, but:inno more 1ban 12 montblypayments.
"Upon p.ayment :in full of ,all sums Becured by 1his Security lnstrnmp.nt, Lender .shall promptly refund 10
Borrower.any FundsJ1eld bylender. .
4. CluJrges; Liens. Borrower .shall p.ay lIl1 'taxes, 1I5sessments, charges, iines, .and impositions
-llttnòutable 10 1he Property which 1:ED zttain priority over this .security 1ns:tnrment, leasehold p.ayments or £found
Ií:IlÍS on 1he FIOperty, jf JIIlY,.and Community Association Dues, 'Fees, .and Assessments, jf JIIlY. To ±he extent íhat
1hese items.are Escrow Items, Borrower shall pay tbem:in the manner provided:in Section 3.
Borrowa .shall promptly discharge .any lien which JIaspriority over this .secmity lnst:rument lIDless
:Borrowa: (a) ,agrees :in writing 10 1he p.ayment of 1he obligation secured by 1he lien :in 11 :manner lICCeptable to
lender, but only so long 115 Borrower isperfmming 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 10 prevent 1he
enforcement of 1he lien w1ri1e 1hose proceedings M~ pending, but only nntil such proceedings Me concluded; or
(c) .secures :from the .holder of the lien JIIl ,agreement -Satisfactory to lender Bubornimltin g the lien to this .seanity
Instrument, If lender detennines that .any part of 1he FIOperty is Bubject to 11 lien which can zttain priority· over
this .security Jnstrument, Lender may give Borrowa 11 notice .roentifying the lien, Within 10 nays of the 1laíe on
w.hich thatnotice is given, Borrower .shallMtisfy the lien or take one or more of the lICtions set forth l1bove :in 1his
..section -4.
lender may require Borrower 10 pay 11 one-time clurrge for 11 real ~ tax verification l1Ild/or :reporting
service used by Lender:in connection with this loan.
:5. Property InsurJU1Ce. Borrower shall keep the jrnprovements now ~xi!':1ing or .hereafter :erected on
the .PIOperty :insured .against loss by fue, .hazards :included within 1he 1erm '''~xtended cov~e," .and JIIlY other
JIazards indl1ning, but not limited 10, ~ua1œs.and fl oods, for which lender requires im:11T:mr.e. This:insuranc~
.shall be Tmrint!!inp.d :in the lIIIlOunts (includ:ing Deductible levels).and for the periods that Lender -requires. What
lender requires plITSilll1lt 10 the preceding Bentences 1:ED cl1ange During the 1enn of 1he loan, The immTIll1r.e
J::aITÍer providing 1he immnmr.e.shall be chosen by Borrowa subject 10 lender's right to disapprove Borrowa'B
rlloice, which right .shall not be exercised unreasonably. lender may require :Borrowa to p.ay, :in connection with
1his Loan., rither: (11) 11 one-time clurrge for ::flood:zone Detemrinarion, certification JlI1d ir!! r.kinß Bervices; or (b) 11
one-1Ïme clurrge for ::flood::zone determination JlI1d .cert:ification services .and. Bubsequent charges :each time
remappings or £imilar cl1anges occur w.hich reasonably might 1lffect Buch detP.TTTlimtion or certification. :Borrowa
.shall1l1s0 be responsible for 1he p.ayment of .any fees llnposed by 1he 'Federal Emergency Management Agency :in
connection with the review of .any ::flood:zone detfflTIlin!!ti on Iesulting :from JIIl objection by Borrowa;
JfBorrower fails 10 nmint!!in .any of the coverages Described l1bove, Lender may obtain:insm:ance
coverage,·l1t Lender's option.and Borrower's expense. lender is llDder no obligation 10 purchase.any particular
-type or lIIIlOunt of coverage. Therefore, such cov~e .shall .cover lender, but might or might not protect
:Borrowa, Borrowa's :equity:in the.Property, or the contents of1he Property,.against .anyIisk, l1aZard or liability
.and might provide £feater or Jesser cov~e 1han W1l5 previously :in :effect. Borrower lICknowledges that 1he cost
of 1he :insurance coverage BO obtamed might !:iz¡1ifir.!!ntly exceed 1he cost of iTI!:11T!!nr.P. that Borrowa could.have
obtained. .Any lIIIlOunts disbursed by lender under this .section 3 shall become 1Ldditional debt of Borrowa
5ecur~d by 1his Seanity lnstrnment. These lIIIlOunts .shall bear:interest .at the Note :rate :from 1he date of
1lisbursement JlI1d .shall be paYl1b1e, with such:interest, upon notice :fromlender to Borrowa requesting p.ayment.
All :insurance policies Iequired by Lender .and Ienewllls of such policies .shall be subject 10 L-ender's right
10 disapprove such 'Policies, .shall :include l1.standard mortgage clause, lIIld Bhall name lender 115 mortgagee zrul/or
.as .an 1Ldditionalloss p.ayee,lender .shall.have 1he right 10 .hold the policies JlI1d reneWlÙ cert:ificates. ]f Lender
requires, :Borrower .shall promptly give to lender lIl1 receipts of paid pr-emimm: .and renew1ll notices. If Borrower
obtaills .any form of in!:l1nm~e coverage, not otherwise Iequired by Lender, for 1lamage 10, or destruction of, the
.Property, BUCbpolicy .shall :include 11 .standard mortgage clause.and.shall name lender 115 EOrtgagee l1Ild/or 115 JIIl
1Ldditionalloss p.ayee.
.In 1he ~vent of loss, Borrower .shall give prompt notice 10 íbe in!:lITIItlr.e carrier .and Lender. lender may
:make proof of loss jf not made promptly by Borrowa. Unless lender .and Borrower otherwise ,agree :in writing,
.-
"......
" .
'WYOMING-SingJe FJID1i1y-:F,am¡le MaelFreddie MAc UNIFORM INSTRUMENT
noCDKWYS
=r:IIDIY5.-V= lU/~5t2DD5
:Form 30511/01
(page 3 of 14 pages)
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,;my insurance procœds, wl1etber or ~ot the underlying insurance WAS required by Lender, shall be llpplied to
restorationorn:pair of the Froperty, lithe restorntion or repair is economically £easîble,;md Lender's secmÍty is
~ot lessened, During .such repair ,;md restonltion period, Lender .shalll1ave the right to hold .such :insurance
proceeds nntil Lender has l1ad,;m opportunity to llispect .such J>roperty to t=DSUfe the work has been completed to
Lender's satisfaction, provîded that .such llispection .shall be undertaken promptly_ Lender may disburse proceeds
for the repairs ,;md restorztion in 11 .single payment or in 11 series of progress payments .as the work is 'completed.
Unless,;m ,agreement is made m VlIiting or Applicable law requires interest 10 be paid on Bll!:h insunmce
'pIoceeds, Lender.shall ~ot be required to pay Borrower ,;my interest or earnings on.such proceeds. Fees for-public
lldjusters, or other third parties, retained by Borrower .shall not be paid out of the insm:ance proceeds ,;md shall be
the .sole obligation of Borrower, ]f the restorati()D or repair js Jlot economically feasible or Lender's 5e'cmÍty
would be lessened, the :insurance proceeds .shall be l1pplied to the .sums .secured by this Security 1nstnnnent,
whether or not then Due, with the :excess, li .any, p1Ùd to Borrower. Such :insurance proœeds.shall be l1pplied m
the orrler provided for m Section 2.
ITBorrower llbandons the Property, Lender may iile, negotiate ,;md settle ,;my l1v11i1able ;T]!':l1nmC'ce claim
JlIld Ie1ated matters. IT Borrower does ~ot respond witbID 30 days to II ~otice Írom Lender that the :insurance
.carrier l1as offered to .settle II clmm, then Lender may negotiate 1lIld .settle the claim. The 3D-day period will begin
when the ~otice is ,given. lneither event, or li Lender l1cquires the .Property lIIlder Bection 22 or otherwise,
Borrower .hereby.assigns to Lender (l1)Borrower's rights to.any:insurance proceeds in.an .amount ~ot to exceed
the .amounts unpaid lIIlderthe Note or this Se'cmÍty 1nstrument, ,;md (b).any other of Borrower '.s rights (other than
the right to .any refund of lmp.flrn~d pr~minm!': paid by Borrower) under .all :insurance policies 'covering the
.Property, insofar .as such rights .are ,applicable to the 'coverage of the Froperty. Lender may use the insurance
'pIoceeds either 10 repair or restore the J>roperty or to pay .amounts nnpaid imder the Note Dr this BecmÍty
lnstrnmp.nt, whether ornotthenrlue,
6. Occupancy. Borrower .shall oC!:~y,establish, ,;md use the .Property 115 Borrower'.sprincjpal
residence wifh:in 60 days llÍter the -execution of this Security 1nstrument JlIld sha1l ,Continue 10 O!:cupythe Froperty
.as Borrower's principal Iesidence for l1t least one year .after the liate of occupancy, Im1ess Lender otherwise
.agrees m writing, which 'consent .shall not be .unreasonably withheld, or unless ~'JrtP.Tll1fltin,g cir,Cw:nstances. exist
w1lli:h.are beyondBorrower'.s ,Control.
Î. l'rceservl1uon, l\II'aintl>mmre ;and l'rotection of the l'roperty; J:nspecuons. Borrowersha1l ~ot
1lestroy, 1lamage or impair the ,property, .allow the Pmperty 10 deteriorate or commit W1lSte on the Property.
w:hether or ~otBorrower is residing m the J>roperty, Borrower.shall mflintflin the J>mperty m order to prevent the
,property :fì-om deteriorating or 1lecreas:ing in VlÙue Due to ili 'condition, Unless it is determined pur5l1aIlt 10
Section 5 that Iepair or restoration is ~ot economiC'cfllly JeasIòle, BOII'ower sha1l promptly repair the Froperty li
1lamaged to l1void further deterioration or 1lamage. IT iml1T( nC'ce or ,Con cip.mnfltion proceeds.are paid in 'connection
with 1lamage 10, or the taking Df: the .Property, Borrower .shall be responsible for repairing or restoring the
J>roperty only li Lender has released proceeds for .such pmposes. Lender may disburse proceeds for the repairs
.and restomtion m 11 .single payment or m l1.serieS of progress paymen1s .as the won is 'completed. IT the insurance
or ,ConcifflTlnfltionprocœds .are ~ot 'sufficient to repair or restore the .Pmperty, Borrower is ~ot r:elieved of
Borrower'.s obligation for the completion of .such repair or restoration,
Lender or its ,agent :may :make reasonable :entries upon .andllispectionsof the .Property. IT it .has
reasonable -Cause, Lender may llispect the interior of the .ùnprovements on the .Pmperty. Lender .shall ,give
Borrower notice l1t the iime of or prior to 'such.an interior llispection specifying such reasonable cause.
8. Borrow:er'B Loan Application. Borrower .shall be in default li, 1luring the Loan ,application
'pIocess, Borrower or .any persons or entities .acting l1t the direction of Borrower or with Borrower's knowledge or
'consent gave :materially false, mi!': l~flciinr;, or jnaccura1e IDformation or .statements to Lender (or failed 10 provide
Lender with mfltfflfll IDfonnation) m !:OllDe,Ction with the Loan, Material Iepresenta1ions include, but.are ~ot
Jllnit:ed 10, representations ,ConN"Tning Borrower's occupancy of the Froperty .as Borrower'.s rTÏnnpfll residence.
9. l'rotection OfLender'B Interest in the J'roperty,and Bights Under this Security Imtrument.1f
(11) Borrower fails 10 perfonn the 'covenants ,;md ,agreements ,Contained m this Be,¡;urity:Instrument, (b) there is .a
Jegal proceeding that núght 5ignificantly zffect Lender's mterest in the Property .and! or rights imder this Se'cmÍty
- .-..----.-
~~' :.----
WYOMING-SinglcF,amùy-]ô',annÏe MJle/Freddie Mac UNIFORM INSTRUMENT
DoCUKWY6
:DOClJXWJCi.-= lIB/25nDD5
Form3051 ]/01
(pllge 60f 14 pages)
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Jnstrument (such.as,a proceeding in bankruptcy, problrte, £Or r:OTlnP.TtlTlI1tion or forfeiture, for enforcement of,a lien
which may zttaID priority over this Secmity 1ns1rument or to worce laws or regulations), or (c) Eorrower lIas
zrumdoned the Property, then Lender may .do .and pay for wl1atever . is· reasonable or zppropriate to protect
lender's interest in the Property .and rights under this Security lnst:rument. inclwling protecting llIldI or .asse$ing
the VlÙue of the Property, .and securing llIldI or repairing the Property. Lender's ,actions ClIIl include, but life not
Jimited to: (,a) paying .any sums secured by,a Jien which l1as priority over this SecmityInstrument; (b) ,appearing
in court; .and (c) paying reasonable llttomeys' fees to protect its interest in the Property llIldI or rights nnder this
Security lnstnn:nent. mcluding its secured position in ,a bankruptcy proceeding. Securing the Property iTldnr1p'S,
but is not limited to, .pTltf'Tinz the Property to :make repairs, .change locks, replace or board up doors.and windows,
.drain water from pipes,:eliminate building or other code violations or dangerous condilions,..and Dave 11íilities
1umed on or off. Although Lender may take ,action under this Section 9, Lender does ]1ot Dave to .do so.and is ]1ot
1lllder .any duty or obligation to .do so. 1t is .agreed that Lender incurs ]10 liability for ]1ot:taking.any Dr zll,actions
ÆIthorized under this Section 9.
Any lUIlOnnts disbursed by Lender nnderthis Section 9 Ehal1 become· .additional .debt of Eorrower
5ecured by this Security lnstrument. These Ml10nnts Ehal1 bear :interest ,at the Note :rate from the .date of
illsbursement.and shall be pay4ble, with such interest, llponnotice from Lender to E orrower requesting payment,
If this Security 1ns1rument is on,a leasehold, Eorrower shall comply with zll the provisions of the lease.
J3orrower shall not surrender the leasehold estate .and :interests J1ereill conveyed or 1en:niDate or ClIIlCe1 the ground
lease. Eorrower Ehal1 not, without the express written consent of Lender, ,alter or llIlleIld the ground lease. ]f
J3orrower zcquires fee Me to the Property, the leasehold.and the fee title shall not merze unless Lender .agrees 10
the JDf:1"Zer m writing.
10. Mortgage InsurJwC£. ]f Lender Tequired Mortzaze lnsunrnce .as li r:ondition of:malcinz the loan,
J3orrower Ehal1 pay the premillm<: :required to ml1;Tlta;Tl the Mortgage TTl"mTI1Tl~ in effect If, for .any Teason, the
Mortgaze lnsurance coveraze :required by Lender ceases to be liv2ilable from the mortgaze insurer that previously
:provided 5Uch insurance .and Borrower WBS :required to :make separately desiznatedpayments toward· the
premiums for Mortgaze TmllTI1Tl~e. Borrower 5hall pay the premiums required to obtain coveraze BUbstantially
:t:quivlllent to the Mortgaze Jnsurance previously .:in effe!:t, lit li r:ost .substantially equiv,alent to the 1:Ost 10
J3orrower of the Mortgaze lnsuranœ previously m dfect, from.an 11lremate mortgage insurer selected by Lender.
]f substantially equiv.alent Mortzaze lnsuranœ coveraze is ]1ot ,av.ailable, Borrower shall r:ontinue to pay to
Lender the Ml10llllt of the separately desiznated payments that were d:ut: when the insurance coverage ceased to be
in rlfect, Lender will ,accept, use .and retain these payments .as li J1OIl-refundable loss reserve in lieu of Mortgage
lnsunrnce. Such loss reserve .shall be non-,refundable, notwiíhstm1iling the :fact that the Loan is 111timl1tp.ly paid:in
::fulL .and Lender shall not be required to pay Borrower .any interest or:earninzs on such loss reserve. lender ClIIl
]10 lOIJger require loss reserve payments if Mortgage Jnsurance -coverage (.:in the .amount .and for the perio.d that
Lender requires) provided by .an insurer .selected by Lender .again becomes liv.ailable, is obtained, .and Lender
Jequires separately ne~iz:rmtp.d payments towm-d the premiums for Mortgage TTI<;llT¡'ITl~. ]f Lender required
Mortgage TTl<:llTI1Tl~e.as ,a condition of:malcinz the Loan.and Eorrower WBS Tequiredto make separately ne<:iznl1t.pd
:payments towm-d the pr.pmillTTl<: for Mortzaze lnsurance, Eorrower .shall pay the preminm<: required to ml1;1'1tl1m
Mortgage lnsurance .:in rlfect, or 10 provide li non-,r.pfllTllhbJe loss reserve, until Lender's requirement for
Mortzage Jnsurance ends in .accordance with.any written llgI'eement between Borrower .and Lender providing for
'such tp.m11mtion or until t=mimtion is required by Applicable Law. Nothing in this Section 10.affects
:Bdrrower's ohlization 10 pay interestzt the:rate provided m the Note.
Mortgaze lnsuranœ r:eUnburses Lender (or.any:entity that purchases the Note) for œr:tain losSes it may
incur if Borrower .does not repay the Lrum.as llgI'eed. Borrower is not li party to the Mortgagelnsurance.
Mortgage insur6's:evllluate their total Iisk onllli 5Uch insurnnce .:in force from time to time, .and may
:enter into .agr.ppmP.TIt!; with otherpm1ies that -Bhare or modify their:risk, or reduce losses. These .agree1T1P.Tlt~ life on
"fenDs .and COTlni1ÍoTl<: that life .satisfactory to the mortgage insurer.andthe other party (or pm1ieS)10 these
llgTeements. Thesellgfeements:mayrequire the mortgageinsurerto ma1œ paymems usIDg,any source offunds that
the mortzaze insurer may Dave liv.ailiible (wlrich:may :include funds obtained from Mortgage TTl<:1TTI1Tlp.e
:premlnm<:).
..... -.:--'-
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WYOMING-S:ing\e F,amily-F,annje MaelFrddie Mac UNIFORM INSTRUMENT
-DOCUKWY7
:DOCIDCWY7.-= :OBÞ3~DD5
'Form30511/01
(page 7 of 14 pages)
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As II result of these lIgf-eements, Lender, 1IIlY purchaser of the Note, 1IIlother insurer, llIlY re:insUrer, llIlY
other :entity, or 1IIlY llffiliate of 1IIlY of the foregoing, :may receive (directly or indirectly) lllllOUDts that derive from
(orJDight be characterized llS) 11 portion of Borrower's payments for Mortgage lnsurance, :in exchange for sharing
or :modifying the :mortgage :insurer's Tisk, or reducing losses. 1f such lIgfeerneí1t provides 'that llIlllffiliate of
Lender takes 11 share of the :insurer's risk:in exchange for 11 share of the premiums paid to the insurer, the
:'I1T:mp;r=~nt is often 1ermed "alptive reÏnsuræ1Ce ." Eurther:
(a) Any mch JlgT~ts wlll ,Dot Affect the ,amounts íWlt Bon-ower .has JlgT~d to ,pay for
Mortgage lnsurance, or any other terms of the Loan. Such JlgT~ments wlll ,]lot increase the JUllount
Bon-ower will owe for Mortgage Insurance,,and they wlll ,]lot i!Iltitle Bon-ow£r to any refund.
(b) Any such ,agreements will ,Dot Affect the rjghts Borrower .has - if .any - with respect to the
Mortgage lnsurance under the Homeowners Protection Act of 1998 or any other Jaw. These rights may
include the rjght to receive œmün disclosures, to request ,and obtain .cancellation of the Mortgage
lnsurance, to .have the Mortgage lnsurance íer:miwiied ,antomatically, and/or to receive j} r£Íund of ,any
MortgagelnsurJUlce premiums íWlt were liDearned at the time of snch('..aTl('~lIaüon or :termination.
11. Assignment of .Miscellaneous Proceeds; Forfeiture. All Miscellmeous Proceeds .lITe l1ereby
llSSÏgned to .and shall be paid to Lender,
1f the Property is damaged, such Miscellaneous Proceeds Bhall be llpplied to restorntion or:repair of1he
Property,.ifthe restoration or:repair is economically feasible .and Lender's secmity is ,]lot lessened. During such
repair llIld restoration period, Lender 5halll1ave the right 10 hold EUCb Miscellaneous PIoceeds until Lender .has
l1ad llIl oppoI1unity to :inspect such Property to ensure the work .has . been completed to Lender's satisfaction,
:provided 'that EUCb :inspection 5ba1l be undertaken :promptly. Lender may pay for the :repairs .and :resíoration :in 11
5ingle disbursement or:in 11 series of :progress payments ,as the work is 1;ompleted. Unless.an 8zr~~Tlt is made:in
writing or Applicable Law Tequires :interest to be µaid on Buch Miscellaneous Proceeds, Lender Bhallnot be
:required to pay Borrower llIlY :interest or earnings on such Miscellaneous Proceeds, If the restoration or repair is
,Dot economically feasible or Lender's .security would be lessened, the Miscellaneous Proceeds 5ba1l be llpplied to
the 5lilllS .secured by this Security lns1nnnent, whether or not then due, with the :excess, jf .any, paid to Borrower.
Such Miscellaneous PIOceeds Bhall be llpplied:in the order :provided for in Section2.
1n the event of 11 total taking, destruction, or loss:in v,alue of the Property, the Miscellaneous Proceeds
Bhall be llJ'plied to the 5lilllS Becured by this Secmity lnstrument, whether or ,Dot then due, with the excess, jf 1IIlY,
:paid to Borrower.
1n the event of 11 partial taking, fiestruction, or loss .in y,alue of the Property :in wbich the fair market
y,alue of the Pmperty immediately before the partial taking, destruction, or loss :in V1Ùlle is equal to or greater 'than
'the lIIIlOunt of the sums Becured by 1his Secmity lnstrument immediately before the partial taking, destruction, or
loss :in V1Ùlle, 1J1Ùess Borrower .and Lender otherwise lIgfee :in writing, the sums .secured by this Secmity
1nstrument 5ba1l be :reduced by the .amount of the Miscellaneous Proceeds multiplied by the following fraction:
(11) the 1otallllllount of the 5lilllS Becured immediately before the part:Uù taking, destruction, or loss :in v,alue
ilivided by (b) the fair :market -v.alue of the Property immediately before the partial taking, destruction, or loss .in
y,alue. Any balance.shall be paid 10 Borrower.
1n the event of llpart:Uù taking, destruction, or loss :in y,alue of the Property :in wbich the. fair market
Y1Ùlle of the Property immediately before the partial taking, dest:r:uctîon, or loss:in y,alue is less 'than the .amount of
the 5lilllS Becured immediately before the part:Uù taking, destruction, ·or loss.in v1Ùlle,unless Borrower .and Lender
otherwise lIgfet: :in writing, 1he Miscellaneous Proceeds Bhall be llpplied to the Bums .secured by this Security
1nstrument whether or ,]lot the 5lilllS .are then due.
]f the Property is .ab.andoned by Borrower, or if, zfter notice by lender to Borrower 'that 1he Opposing
PIDty (,as rle:fined.in the JIeXt Bentence) offers to make llIlllW.ard to .settle 11 claim for damages, Borrower fails to
Tespond to Lender within 30ilaYB zfter the Date the ~otice is given, Lender is lluthorizedto 1;o1lect.and .apply 1he
Miscellaneous Proceeds either to Testoration or :repair of 1he Pmperty or to the 5lilllS .secured by this Security
1nst:rument, whether or not then due. '''Opposing P.arty":means the third party that owes Borrower Miscellaneous
Proceeds or the party ,against whom Borrower .has 11 Iight of llction:in Tegard to Miscellaneous Proceeds,
..... .::;. : ;-;::::
....
WYOMING-.SingJe'FJIIIlily-..F1IJUlie M2e/Freddie Mac UNIFORM INSTRUMENT
DOCUICWY8
::DOCIlXWYB.'V7X DB/.23/.:lDD5
Form 30511/01
(page 8 of 14 pages)
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BorroWt:T shall be :in default if 1IIlY Action or prozeeding, whether civil or crimimll ,. js begun 1:hat, :in
Lender's jl1c1ZJTlf~nt. could resu1t:in forfeiture of:the J>roperty or other matel:Ùi1 :impainnent of Lender's :interest m
1he J>roperty or:rights .under this Security Instrument, Borrower.-Call cure such -8 default lIIld, jf -8cceleration l1as
occurred, reinstate liS provided :in Section 19, by aws:ing :the Action or 'Proœeding to be dismissed with -8 mling
1hat, :in Lender's jl1nvnp.nt, 'Precludes forfeiture of:the J>roperty or other TIlat~ria 1 impaiTrn~nt of Lender's :interest
in :the J>roperty or:rights under this Security Instrument. The proceeds of 1IIlY -8w.ard or claim for illunages that .are
zttrIòutable to 1he impa1nnp.ut of Lender's :interest :in :the J>roperty .are l1ereby liSsigned 1IIld .shall be p4Íd to
Lender.
A1l Miscellaneous J>roœeds that .are not llpplied to restoration· or repair of:the Property shall be llpplied
in:the order provided for:in Section2.
12. Borrower Not :Released; Forbearance By Lender Not II W,aiver. F.xt~m;ion of:the time for
payment or modification of lUIlOrtization of the sums secured by this Security lnstrument granted by Lender to
Borrower or 1IIlY Successor in Interest of Borrower shall TIot opernte to release :the liability of Borrower or 1IIlY
Successors m Interest of Borrower . Lender shall not be required to ,Commence -proceedings ,against 1IIlY Successor
:in .Interest ofBorrowt:T or to refuse to extend time for payment or otherwise modify JUIlOrtization of1he sums
secured by this Security Instrument by reason of 1IIlY np.manc1 made by the original Borrower or .any Successors :in
.Interest of Borrower. Any fmbearance by Lender :in ~:xercis:ing .any right or remedy including, without limitation,
Lender's ,acceptance of payments from:third -persons, entities or Successors :in Interest of Borrower or in lUIlOunts
less ±rum :the JUIlOunt 1hen Due, shall not be -8 waiver of or preclude :the exercise of .any TIght or remedy.
13. Joint,and Sever,alLiability; Co-signers; Successors ,and Assigns Bound. Borrower L:Ovenants
lIIld llgTees that Borrower's obligations 1IIld liability shall be joint 1IIld several, However, 1IIlY Borrowt:T who L:o-
signs this Security lnstrument but DOes TIot~xecute 1he Note (a .''co-.signer''): (-8) js co-signing this Security
Jnstmment only to mortgage, grant 1IIld ,Convey 1he 'co-signer's interest m :the .J>IOpertyunder 1he tenns . of this
Serurity Instnnnent; (b) js not 'Personally obligated to pay the ,Sums secured by this Security Instrument; lIIld
(c) ,agrees 1hat Lender 1IIld my other Borrower am llgTee to :extend, modify, forbear or make 1IIlY ,accommodations
with:regard to the tenns of this Security 1nstr:u:ment or the Notewithout1he co-.signer's 'consent.
Subjectto:the provisions of Section l8, .any Successor in .Interest of Borrower who .assumes Borrower',S
obligations under this Security 1nstr:u:ment :in writing, 1IIld is -8pproved by Lender, shall obía:in.all of Borrower's
TIghts 1IIld benefits under this SeL:urity lnstrument. Borrowt:T shall TIot be released from Borrower's obligations
lIIld liability .under this Security 1nstr:u:ment mllesS Lender ,agrees to such r:e1ease in writing. The 'covenants lIIld
llgT~P.t1t~ of:this Security 1nstrmnent shall bind (except liS provided in Section 20) 1IIld bene:fit 1he Buccessors
lIIldliSsigns of Lender.
14. Loan Charges. Lender may marge :Borrower :fees for 'services performed jn L:011I1eL:tion with
Borrower's 1lefault, for :the 'PDIpose of protecting Lender's :interest m 1he J>IOperty 1IIld:rights .under 1his Serurity
lnstru.ment, indnc1inf" but not limited to, -8ttorneys' :fees, property inspection 1IIld vlÙuatÏon :fees.ln regard to 1IIlY
other :fees, 1he llbsence of express lIDthority in this Sezurity Tm:tnrrnP.t1t to marge -8 specific.fee to Borrower shall
~ot be 1:onstrued liS II prohibition on :the d'laTzinf, of Buch fee. Lender may not cl1arge fees 1hat llI'1:: 1::xpressly
]ll"ohibited by1his SeL:urity Jnstnnnent or by Applicable Law .
IT the loan js subject to lllaw which sets TIlaxmnrrn loan .charges, 1IIld that law js iinally interpreted so
1hat :the. :interest or other loan .charges collected or to be 'collected :in 'c011I1ection with :the Loan 1::Xceed :the
'Permitted Jimits, 1hen: (-8).any Buch loan .charge .shall be reduced by 1he lUIlOunt :necessary to reduce 1he .charge to
:the -permitted limit; 1IIld (b) 1IIlY sums ll1r:eady 'coTIected from Borrower which 1::xceeded permitted limits will be
r~fìmc1~c1toBorrower. Lender may rnooseto make this refund byreducing:thepTÌnMpfllowed.underthe Note or
by:making -8 ilirect payment to Borrower. IT -8 refund reduces principa 1, :the reduction will be tœated liS -8 partial
prepayment withon! 1IIlY prepayment .charge (whether or not-8 prepayment .charge js 'Provided for under:the Note),
Borrower's ,acceptance of .any Buch refund made by meet payment to Borrower will L:onstÌtlltell wlriVt:T of 1IIlY
right ofllctionBorrowermighthave.arising on! ofBuch ovt:T.charge.
15. Notices. A1l notices given by Borrowt:T or Lender m 'c011I1ection with :this 'security 1nst:rument :must
be in writing. Any TIo:tice to Borrower ID cOI1DeCtion with this Security Jnstrument shall be deemed to llave been
given to Borrower when mailed byfust class mail or when,actually delivered to Borrowt:T'.s notice .àddress if sent
"".~
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WYoMiNG-S:ingle:FJIIIlily-,:F=nie M2elFr~ M2c UNIFORMJNSTRUMENT
.DOCUKWY9
:DDC0XWY9.'Vl7 DB/:.z3~ÐÐ5
.Form30511/01
(page 9 of 14 page$)
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by other means. Notice 10 llIlY one Borrower ßhall ~onstitute notice to lill Borrowers lIIÙeSS App1icableLaw
~xpressly requires otherwise. The notice llddress shall be the PIOperty Address lIIÙeSS Borrower l1as designated.a
.substitute notice .address by notice 10 L:ender. Borrower .shall promptly notify Lender of Borrower's cl1ange of
.address. If lender .specifies II procedure for n:porting Borrower's cl1ange of .addr~ss, 1ben Borrower shall only
report II cl1ange of .address through that .specified procedure. There may be only one designated notice .address
under 1his Security Instrument.at llIlY one time. Any notice 10 Lender .shall be ~v:en by delivering it or by TmrilÍ11 f,
it by :first class mail 10 Lender's .address stated l1erein unless Lender l1as designated .another .address by notice to
Borrower, Any notice in connection with 1his Security Instrument ßhall not be deemed 10 have been given 10
Lender untilllctuaIly received by Lender , If llIlY notice reqlÚred by this Security 1nstrument is .also r~qlÚred :under
Applicable Law, the Applicable Law reqlÚrement will satisfy the corresponding requirement under this Security
lnstrument,
16. Gova:ning Law~. Sever.ability~ :Rules of Constmction.This Security 1nstrument shall be .governed
by federal law llIld the law of the jurisdiction in w1rich1he J>roperty is located. All rights .and obligations
~ontained in :this Security.Instrument are subject 10 .any reqlÚrements llIld limitations of Applicable Law.
Applicable Law might explicitly or implicitly lillow 1he parties 10,agree by contract or it might be.silent, but such
.silence shall not becons1rued .as II prohibition ,against ,agreement by contract. In the :event that llIlyprovision or
clause of this Security Instrument or the N ote ~onflicts with Applicable Law, such ~onflict shall :not .affect other
]JTovisions of :this Security lnstrument or the Note w1richam be given e:ffectwithoutthe ~onflictingprovision.
As used in :this Security 1nstrument: (a) words of the masculine .gender ßhall :mean .and include
~OIT:esponding neuter words or words of the :ffflTlinine .gender; (b) words in the singular ßhall :mean.and include the
p1ura1.and vice versa; llIld (~) 1he word "'may" .gives .sole rliscretion without.any obJigation 10 1ake.any .action.
lï4 Borrower's Copy. Borrower ßhallbe.given one copy of the Note.and of1his Securitylnstrument,
18. Tr.ansfer of íheProperty or..a Bpnf'fiL'ial Interest in Borrower4 As llSed in1his Section 18,
""Interest in the J>roperty" means llIlY legal or beneficial interest in thePIOperty, including, but not limited 10,
those beneficial interests inm~erred in II bond for deed, ~on:tract:for deed, installment sales Coníract or escrow
.agreement, the intent of which is the :transfer of title by Borrower at a:future .date 10.a purchaser.
1f lill or llIlY part of the Property or llIlY 1nterest in the PIOperty is .sold oríransferred (or if Borrower is
:not.a:natural person.and II beneficial interest in Borrower is sold or tnmsferred) without lender's prior written
~onsent, Lender :may Iequir:e immediate payment in :full of lill .sums .secured by 1his Security Instrument,
However, this option shall not be exercised by Lender if such :exercise is prohibited by Applicable Law.
If Lender exercises this option, Lender ßhall .give Borrower notice of acccleration. The notice shall
]JTovide.a period of not less :than 30 .days from the date the notice is ~ven in .accordance with Section 13 within
w.hich Borrower:must pay.all BUl11S .secured by this Security 1nstnnnent, lfBorrower:fails 10 pay these 5l1II1S prior
10 1he :expiration of 1his period, Lender may invoke llIlY remedies permitted by this Security lnstrument without
:furthernotice or np.m!lncl onBorrower.
19. Borrower's Right 10 Reinstate After Accelenmon. Jf Borrower meets .certain ~onditions,
Borrower ßhallhave the right to have worcernent of 1his Security lnstrument discontinued at.any time prior 10
the :earliest of: (ll) five .days befor:e sale of the J>roperty pursuant 10 llIlY power of sale ~ontained in this Security
lnstrument; (b) such other period .as Applicable Law might specify :for the termimtion of Borrower's right to
Irinstate; or (c):entry of a jlln£1Y1p.nt enforcing this Security1nstnnnent. Those conditions .are that Borrower:
(a) pays L:ender lill sums w1rich 1ben would be due under this Security 1nstrument .and the Note .as if no
.acc:e1eration l1ad oCClDTed; (b) cures llIlY default of .any other covenants or ,agreements; (c) pays lillexpenses
incurred in worcing this Security lnstrumení, ;ndllnin f" but not Jimited 10, Ieasonahle .attorneys' :fees, property
inspection .and v.a1uation :fees, llIld other :fees incurred for the :purpose of protecting Lender's interest in 1he
J>roperty .and rights under 1his Security .Instrument; .and (d) takes such .action.as Lender :may Ieasonably IeqlÚre to
.assur:e that Lender '.sinter:est in 1he Property .and rights under 1his Security lnstrumení, llIldBorrower's obligation
10 pay the sums secured by this Security Instrument, .shall ~o Jltinue lm~n!lnged. Lender:may reqlÚre that Borrower
pay .such I:einstatement sums .and expenses in one or TIlcœ of the following fonns, .as 5clected by Lender: (a) cash;
(b) money order; (c) certified check, bank check, íreasurer's check or !:aShier's check, provided.any.such check is
mwn :upon llIl institution whose deposits are insur:ed by a federal agency, instrumentality or :entity; or
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WYOMING-Single FJlIllily-T.annJe M2e1Fr~die Mac UNIFORM INSTRUMENT
DOCUKWYIO
..,DCDDID.:v:a J B 1:l512DD5
Torm3D5) I/O)
(page 10 of 14 pages)
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(d) Electronic Funds T:rans:fer. Upon Trinstatement by Borrower, íhis Security 1nstrument ,and obligations 5ecur~d
J1er~by shall Tema1n fully -effective liS jf no .acceleration.had occurred. However, íhis TIght 10 Temstate shall not
.apply in 1he -CaSe of .acceleration under Section 18.
20. Sale of Note; Change of Loan Serviœr;Notice of GrievJUlce. The Note or II partial in:ter~5t in:the
Note (10gether with íhis Secmity Instrument) i:aIl be 501d one or :mor~ íimes without ]JIÏor notice 10 Borrower. Á
5ale :might Tf$ult in II cllange m :the :entity (known liS :the 4<loan Servicer") iliat collects :Periodic :Pllymenís illre
1U1der:the Note,and 1his Secmity Instrument.and perfonns other :mortgage loan servicing obligations nnder:the
Note, 1his Security lnstrument, .and Applicable law. There .al5omight be one Or :mor~ cllang~s of:the loan
Servic~r um~lated 10 II Bale of:the N ote.lf 1her~ is II cllange of the loan Servicer, Borrower will be given written
notice of:the cllange w:Jrich will state :the name .and .addre5S of 1he new loan Servicer, 1he .address 10 wbich
payments .should be :made ,and.any other IDfonnation RESPA Iequir~s m C011I1t:ction with.a notice of 1ransfer of
.servicing.If1he Note is 50ld.and 1her:eafter:theloanis .serviced by llloan Serviœr other1han:the pmchaser of:the
Note, 1he :mortgage loan servicing obligations 10 Borrower will Tema1n with :the loan Servicer or be 1ransferred 10
.a .succe5Sor loan Serviœr ,and.are not liSsumed by 1he Note pm chaser unless otherwise provided by:the Note
pmchaser ,
N~ither Borrower nor Lender:may commence, join, or be joined 10.any judicial.action (liS ~itbt:r .an
:individual litigant or :the:member of II c1a.c;s) iliat .arises ::&om 1he other -party's .actions pursuant 10 íhis Security
.Instrument or iliat .alleges "that 1he other party lIas breached.any provision of, or .any duty owed by Tf~ason of, íhis
Security 1nstrument, lJIltiJ. 1>uch Borrower or Lender .has notified :the other party (with such notice given in
compliance with :the T~quirements of Section 15) of BUCh 11lleged breach ,and .afforded 1he other party l1ereto II
Teasonable period .after 1he giving of5uch notice to 1:ake corrective .action. If.App1icable Law provides II íime
period wbich mnst rlapse before certain .action -Call be 1aken, 1hat íime period will be deemed to be Teasonable for
purposes of íhis paragraph. The notice of .accelenrtion,and opportunity 10 cur~ given 10 Borrower pmsuant to
Section 22 .and the notice of .accelenrtion given 10 Borrower pmsnant 10 Section 18 shall be deemed to .satisfy :the
notice,and opportunity to 1:ake corrective.action provisions ofíhis Section20,
21. Hazardous Substances. As nsed m íhis Section 21: (a) ·'Eazardous Substances" lire those
.substances 1iefined llS 10xic or l1azardous substances, :pollutants, or w.astes by Enviromm"ntfll law ,and :the
following substances: gasoline, .kerosene, other ilflmmflble or toxic petroleum :products, toxic pesticides .and
J1eJbicides, volatile .solvents, "TTIfltp.nfll¡; contflin~ liSbestOS or fOTImlnp.hyde, ,and TIlrlioactive :materials;
(b) ·:Environmfflltfll Law" means federa1laws .and laws of the jurisdiction wl1ere the :PIOperty is located 1hat Telate
to .health, .safety or environmp.ntfll protection; (c) ~vironmp.ntfll Cleanup" includes .any response .action,
Tt:medial.action, or Temov.a1.action, .as deDned ill EnviroTImMltflllaw; ,and (d).an ~vironTJ1P.ntfll Condition"
means II condition 1hat -Can c.anse, conínòute 10, or otherwise trigger .anEnvironmentfll Cleanup.
Borrower :shall not cause or permit :the :presence, use, disposal, 5torage, or Teleas~ of .any Hazardous
,Substances, or threaten to release .any 'H fl7f1TnOUS Substances, on or in the -Property. Borrower shall :not Llo, nor
.allow.anyone :else to Llo,.anything.affecting 1he -PIOperty (a)1hat is m violation of .any Envirmmlfflltflllaw,
(b) which creates .an Environmp.ntfll Condition, or (c) which, illre 10 the :presence, nse, orT-elease of llHazardous
Substance, creates.a condition ¡bat .adversely .affects the value of 1heProperty, The :preceding two Sffl1tffl1œ¡; shall
:not .a:pply 10 :the pr~sence, nse,or 5tm:age on 1he :Property of.small quan:titit:s of Hazardous Substances 1hat .ar~
£eI1erally recognized to be llppropriate to nonnal Ie¡;i np.nti fllnses .and 10 "TTIflintp.Tlflnp.e of:the Property (inP.lll ninE,
but not limited 10, .hazardous :substances in consumeTproducts).
Borrower:shall promptly give Lender written notice of (ll)lIIlY investigation, claim, nerr'lflnn, law.suit or
other.action by.any governmental orT~gulatory .agency or:priv4te party mvolving 1he Property .and.any Hazardous
Substance or Environmffllt}' 1 law of wbich Borrower .has .actual knowledge, (b).any Environmp.ntfll Condition,
;nP.lllnin"e but not limited to, .any :spilling, .leaking, 1liscl1arge, T~lease or threat of Telease of .any Hazardous
'substance, .and (c).any condition .caused by 1he presence, me or Te1ease of.a Hazardous Substance which
.adversely.affects the v.a1ue of 1heProperty. 1£ Borrower karns, or is notiñed by.any govnnmfflltfll or T~gulatœ:y
.authority, or.any ]JIÏv.ate party, that.any IenlOv.a1 or other Tt:mediation of .any J:laza:rdous Substance .affecting the
. :Property is necessary, Borrower Ma1l :promptly take .all :necessary Tt:medùù .actions in .accordance with
Environmp.nt}' llaw. Nothingl1ercinshallcreate.any obligation onlenderfor.anEnvironmentfll Cleanup,
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WYOMING-Single F.amily-F,JIJIDie MaelFrmdie MJu: UNIFORM INSTRUMENT
DOClJKWYII
=cmtIiInI."V-r% JIB 123/-2005
Form3051 ]/01
(page J J of 14 page£)
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NON-1JNIFORM COVENANTS. Borrower lIIldLender:further .covenantllIliLagree.as follows:
22. Acccleution; Remedies. Lender sillill ;give JJotice 10 ~orrower prior 10 .acceler.ation following
:Borrower's breach of .any 'covenant or .agreement in this Security Instrument (but JJot prior 10 .acceler.ation
:under Section 18llIÙess Applicable Law provides otherwise). The JJotice shall specify: (.a) the default; (b)
the .action n~quired to £UTe the default; (c).a Date., Dot less than 30 illiys from the rlaíe the JJotice js ,given to
:Borrower, by which the defaultroust be £UTed;.and (d) that failure to £1Irethe default on or before the illite
specified m the JJotice may result m.acccler.ation of the sums secured by this Se£UTity Instrument :and ule
of the :Property. . The JJotice shall further inform Borrower of the r,ight to reinstate.after .acceler.ation :and
the right to bring.a court .action to .assert the JJon-e:risten'ce of.a default or .any other defense of Borrower 10
.acccler.ation.and sale. If the default is .DOt £UTed on or before the Date specified m the JJotice., Lender.at its
option may require immerli.ate payment m full of .all sums secured by 1his Security1nstrument without
further demand.and may invoke the power of sale.and .any other remedies permitted by Applic.able Law~
Lender sillill be entitled 10 collect.all expenses incurred in pursuing the remedies provided in this BectioD
22, mcluding, but JJot limited to, reasonable .attorneys' fees .and 'costs of title evidence.
lfLender invokes the power of we, Lender shall ,give DOtice of mten1 10 foreclose 10 Borrower :and
10 the person in possession of the :Property, jf different, m .accordance with Applicable Law. Lender sillill
,give JJotice of the sale to Borrower in the manner provided in Section 13. Lender shall publish the JJotice of
üle, .and the :Property shall be sold in the Tmlnnf>r prfiOcribed by Applicable Law~ Lender or its designee
may purchase the:Property .at.any we. The proceeds of the sale shall be.applied in the following order: (.a)
10 .all npenses of the üle, including, but JJot limited to, reasonable .attorneys' fees; (b) 10 .all sums secured
by 1his Security 1Dstrnment; .and (c).any excess to the person or persons legally entitled to it.
23. Rclease. Upon -payment of,all 5llII1S Becur:ed by 1his Security 1nstrument, Lender .shall :release íhis
S:ecurityInstmmffllt BoIToweT .shall-pay lUlYT:ecordationcosts. Lender:may .charge Borrower ll:feefoneleasing
1his Security Jnstrument, but only if the :fee is paid to llthird J'Mty for BeTVÍces Tendered lIIld :the .chargjng of the
:fee is penn:itted under Applicable law.
24. W.aivers. BOIToweneleases lIIld wllÍv:es.all:rights 11I1der lIIld by virtue ofthe.homestead :exemptiOJl
laws of Wyoming.
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WYOMING-Bingle FJIII1iJ~FJlDDie MaelFnddie M2c UNIFORM INSTRUMENT
DOCUKWYU
, :DDClIXWYC.-.r.rJC DB/25/2DD5
Fonn3DSll/01
(pnge 12 of 14 pnges)
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:BY .sIGNING BELOW, Borrower .accepts :and,agret:s 10 1he 1erms :and l;OVtmants l;OIItained in :this Security
1nstrumentJUld :in JUly RideI£:xecuted by Borrower lIIld recorded with it.
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WYOMING-Single:FJlIDily-FJUUlie MaelFreddie Mac UNIFORM INSTRUMENT
DOClIICWYJ3
:tIOCDXW%D.-= DJrn.o01J3
Form305] ]/0]
(page 13 of 14 pages)
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[Spaœ Below This Line For Acknowledgment]
STATE OF 'WYOMING
COUNTY OF LINCOLN
The foregoing:instrument was liclmowledged before me by :BRENTDN :Ð:. ~OMETICH .& BBE1U
~OMETICH, :mJBBAED A1ID "WIFJ!:
1his 2m'B ilayof APlITL, 2DD£).
ITEPHANlEBALDWlN· NOTARY PUBUC
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My CorI..IIIIIan!Jcpir8lJllulry 23,R010
Wnness my hand lIIld official5eal.
~oL~ 1'1~~LI'M
~f;M~'YTU~
My Commission Expires: I þ3/;;;010
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WYOMING-Single FJUJ1ily-FJUIJlie MAe1FrJOddie Mac UNIFORM INSTRUMENT
DOCUKWYI4
:DOCDltlOD:.VTX lIB/25þ005
Form 30511/01
(page 14 of 14 pages)
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1NITlALINTEREsrM ADJUSTABLE RATE RIDER
(l-Y£arTrßaSuryIndex-Rate Caps)
(Assumable Life of Loan)
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-LOAN '#: -4:94D2DìD4
:MIN: ,:J,DD~ì43.D2DDDIl2J.ì~
THIS 1NITIALJNTElŒST ADJUSTABLE RAIEIDDERis made1his 2£TIr rlay of APRIL , 2DD£ ~
Æ1d is :incmporated:into lIDd 5hall be rlæmed 10.amend,and ~1ement the Mortgage, Deed of Trust, or'security
])eed (the "",security 1nstrument") of the same Date given by the lmilpT~iN'pd (the '"Borrower~') 10 -Secure the
:Borro'wcr's1niíial1nterestAdjustab1eRateNote (the ""Note") to :FIRST.~ ill' :r:DA1ID, :FBB,
:DBA :FIRST :B1UlK ill' :THE :TETONB
Date lIDd covering the ,property rlescribed :in the 'security 1nstrnment lIIld located zt:
:1.B :TDNY f'TlU"T;F. (AKA:l.B:PDNY rTlH"'T;F.), FrNA, "WY B3J.:2ì
(the ~r") of the same
!Property Address]
THE NOTE CONTAINS PROVISIONS ALLOWlNG FOR CHANGESlN THE lNTEREST:RATE AND
THE MONTHLY :PAYMENT. THE NOTE LIMITS THE AMOUNT THE JJORRO'\VER''s INTEREST
:RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE .BORROWER MUST
-PAY.
ADDITIONAL COVENANTS. In llddition to the .covenants lIDd ~eements·:made in :tbeBecurity
lnstmment, :Borrower lIIliÎ Lender further .covenant IDlilagree,J:l5 follows:
A. lNTERESTRATEAND MONTHLY PAYMENT CHANGES
The Note ,provides for jIIl:initial :interest:rate of £ . £25 %, TheN ate ,proVides for interest only
payments mrtil:tbe:first:fully .amortizing principa1l1Dd interest payment due date (the ·j<mt P&I P1lyment
DneD-ate"). whichisthe:first rlay of ~YI 2DD9
The Note ,provides for .changes:in the :interest:ratellDd the montbly payments,J:l5 followß:
4. lNIEREST-RAIEAND MONTBLY:PAYMENT CHANGES
(A) Interest ChangeD1ltes
The :interest:rate lwill pay may .change on the:first rlay of ~ I 2DD ~ lIDd may
-Change on:that ~ ,-e~ 12th.month thert:after. Each date on wlrich my :interest :rate .could .change is
.called jIIl .'InterÐ>t Change Dzte.~'
MllLTISTATE INIT1ÄL 1NTEREST ADJUSTABLE RATE .RIDER-I-Yür Tr.easuT)' Index (Assumable.during Life of Loan)-
Si11gJeFlIlDÌly--FreddieMac UNIFORMlNSTRUMENT Form51067/05 (page J of3 pages)
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(B) Thelndex
Beginning with :the :first lnterest Change Dllte, my interest :rate will be based on lill1ndeX, The
"'Index" is the wecldy -avemge yield on United States TIeaSUIy securities -adjusted to -a 'constant maturity
of one year, ll5 made -av1li1able by the Federal Reserve Board, The most Tecent lndex :figure -available ll5
of the nate 45 nays before :each lnterest Change Dllte is -Called:the «Current lndex,"
If the lndex is no longer llvailable, the Note Holder will clJ.oose -a new :index w.bich is based
npon 'comparable :information, The Note Holder will give me notice of this choice,
(C) (!j ll'lIlgtion of Changes
Before ceach 1nterest Change Dæ:e, theN ote Bolder will calcuhite my new interest:rate by ,adiling
~ ,AEI) ~-~ODErHS perœntage point(s)
( 2. ì3D %) to the Currentlndex, The Note Bolder will thenTOund íhe result of this .addition to
:theneMest one-cighth of one -percentage -point (0.115%). Subject to the limits stated in Section4(D)
below, this Tounded .amount will be my new interest TIDe until the next lnterest Change Dllte.
The Note Holder will then detennine the .amount of my monthly -payment. For payment
.adjustments occur:ring before the FITst J> &I P-a)ŒDel1Í Due Dzte, my monthly payment will be:the .amount
BUfficient to Tepay .Jill .accrued interest :each month on the unpaid principal balance .lit :the new interest
Tate, For -payment lidjl15tments occurring on or.after the FITst P&l P-ayment Due Date, my monthly
payment will be lill .amount sufficient to Tepay the UDpaid principal1ha:t 1 .am :expected to owe.lIt the
1nterest Change Date in:full on the maturity date .lit my new interest Tæ:e in sub!rt:mti:! l1y equal payments.
The result of this C1Ùcuhition will be the new .amount of my monthly payment.
(D) Limits on Interest Rate Changes
The interest rate l.am Tequired to pay .lit the :first lnterest Change D-atewill not be gr:eater than
B. £23 % or less than -4. £23 %. Thereafter, my mterest :rate will never be increased or
rlecreased on lillY single 1nterest Change D-ate by more than
~o perœntage point(s)
(:!.DDD %) from:the:rate of :interest I l1ave been paying for 1he ]JTe£:eding 12 months, My
interestnte will,neYer be Neateríhan n. £23 %.
(E) -Effectiv£ Date of Changes
My new interest :rate will become :effective on"t:aclJ. 1nterest Change D-ate. I will pay :the
.amount of my new monthly payment beginning on the iirst monthly payment date .after the 1nterest
Change D-ate 1JI1tilthe .amount of my monthly payment cl1a:ngesllgaÍIl,
(F) Notice of Changes
The Note Holder will deliver or mail to me II notice of lillY rllangesinmy interest:rate.and the
.amount of my monthly payment before the effective date of lillY change; The -Dotice will :include
infonnation Tequired by law 10 be given to me lilld also the 1itle lllld íelephone number of.lI person who
willllJlSWer 1lDY question 1 may have regarding the notice.
ll. TRANSFER OF THE :PROP.ERTY ORAJlENEFICIALINTERESTlN JlORROWER
Section] 8 of the Security Instrument is .amend:;:d 10 Iead ll5 follows:
Tr,ansfer of the :Property or ~Jleneficial Interest in 'Borrower. As 1l5ed in
1hisSe£:tion J8, "'Interest in the Property":means lillY Jegal or benefir.;:!l interest m the
J>mperty, ;nc 111 n;nE;, but not limited to, 1hose beneficial interests 1J:1msferr:ed :in.lI bond for
rleed, ,contract :for deed, installment sales contract or escrow ,agre:ement, :the intent of
which is the1nmsfer of title by Borrower .lIt-a:future date to a purchaser.
]f.Jill or lillY :part of the Property or lillY lnterest in the Property is sold or
1J:1msferred (or if Borrower is not.lInatural-personlllld -a bp.m~fir.;:!l interest in Borrower
is sold or transferred) without Lender's prior written consent, lender may Iequire
:immediate payment in:full of 1Ill sums secured by 1his Security Instrument. Bowever,
1his option 5hall not be exercised by Lender if such :exercise is -prohibited by Applicable
Law. Lender lllso 5hall not :exercise 1his option if: (a) Borrower causes 10 be 511bnritted
to Lender :information Tequired by k1Jder to evlÙuate the intended 1nmsferee llS if.lI new
loan ~,being made to the 1nmsferee; lllld (b) Lender Teasonably rletennines thai
494D:!D'7D4
MULTISTATE INTI1AL 1NTEREST ADJUSTABLE RATE RIDER-I-Y=r Tr~ry lndu (AssumablenuringLife of Loan)-
Single FlImily-Freddie Mac UNIFORM INSTRUMENT Form 5106 7/05 (pnge 2 0[3 pages)
DOCUJTA2
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091.7981.
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494 D2 DìD4
lender's security "Will ~ot be :impair-ed·by 1he loanllSsumption 11Dd that 1he risk of Ji
br-each oÜ.ny,Cov-enant or lIgI-eement:in 1his Security 1nstrument is .acceptable 10~.
To 1he:extent permitted by Applic1ible Law, lender:may .charge Ji :reasonable
~ -as Ji mndition 10 lender's L:onsent to 1he loan.assumpti on, lender:may.:also :require
1he 1I:ans:fer-ee to sign llI1 llSsumption lIgIeement íhat is Jicceptable to lender 11Dd that
. obligates 1he 1ransferee to Jœep .all1he promises 11Dd .agr~p.nts made :in 1he Note 11Dd:in
1his Security Instrument. BOll ower will L:ont:ÍI11Je to be obligated llIlder 1he Note 11Dd íhis.
Seanity Jnstrument 1llÙess1..ender :re1eases.Borrower:in writing.
If L-ender :exercises 1he option to :r-eL}uire immediate payment :in full, L-ender
shall give Borrower ~otice of JiCœleration. The notice shall provide Ji period of ~ot Jess
íhan 30 days :from 1he date 1henotice is given :in .accordaru:e with Section 15 within
which Borrower .must 'pay .all smns secured by 1his Security lnstrumeIlt. lfBorrower
:fails to pay 1hese smns prior to 1he expiration of íhisperiod, lender JDaY :invoke :any
I:emediespem:ri:tted by íhis SeJ::Urity 1nstrument without ::further ~otice or np.Tmmn on
Borrower.
BY SIGNJNG .BELOW ,~BO
:Rate .Ridt:
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ts 11Dd .agrees to1he terms 11Dd ,Covenants ,Contained in íbis Adjustable
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MULTlSTATIi: INITIAL :INTEREST ADJUSTABLE BATE lUDER-I-Yar Tr£aSllry ~dex (Assumable ,during Life of Loan)-
SillgleF.amily-~rrodie Mac UNIFORM INSTRUMENT .Fonn3106 7/OS (p/lge 3 of] pages)
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