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HomeMy WebLinkAbout918973 G 7 1t _yu I ~ ~~~!I~~{¡~¡ '-_.-.'.-.·,·,·i".',~L,\;,L""!".+~--"'-,,,'J~','~'· ',,'.':.·.·.:0.0.:....-.'.",0. ",·,...','ll,.,'.,',',·-',,'...,..'· Retum To: WFHM FINAL DOCS X9999-01M 1000 BLUE GENTIAN ROAD EAGAN, MN 55121 Prepared By: WELLS FARGO BANK, N.A. 1919 DOUGLAS STREET" OMAHA, NE 681020000 [Space Above Tlus Line For Recording Data] MORTGAGE "",","'" '. " so COC820 RECEIVED 6/1/2006 at 4:11 PM , RECEIVING # 918973 BOOK: 621 PAGE: 820 JEANNE WAGNER LINCOLN COUNTY CLERK. KEMMERER. WY DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, II, 13, 18,20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated MAY 25, 2006 together with all Riders to this document. (B) "Borrower" is DAVID W CURRIE AND PAULA DIPAOLA CURRIE, HUSBAND AND WIFE Borrower is the mortgagor under this Security Instrument. (C) "Lender" is WELLS FARGO BANK, N. A . Lender is a NATIONAL ASSOCIATION organized and existing under the laws of THE UNITED STATES 0065039703 WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT G -6(WY) 10006} Page ~Of 16 Initials: to ~ VMP MORTGAGE FOAMS - 18001621-7291 Form 3051 1/01 ,._._...;':.,.",.,',._.~,',',.:.,',.,.+.,'. ' '·,·,1,.;.........."",' ",C,," '''''''',~'¡-)'''','' . ".', l' '!,"c",';' ";"""'¡""1')",',:',,' 09j,,8~~r;)3 C00821 Lender's address is P.O. BOX 17339, BALTIMORE, MD 212971339 Lender is the mortgagee under this Security Instrument. (0) "Note" means the promissory note signed by Borrower and dated MAY 25, 2006 The Note states that Borrower owes Lender THREE HUNDRED THOUSAND AND 00/100 Dollars (D. S. $ ** * * 3 00 , 000 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JUNE 01, 2036 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Balloon Rider D VA Rider D CondomiIÙum Rider D Second Home Rider D Plamled Dnit Development Rider D 1-4 Family Rider D Biweekly Payment Rider D Other(s) [specify] (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and admiIÙstrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opiIÙons. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar orgaIÙzation. (1) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is iIÙtiated through an electronic terminal, telephoIÙc instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers iIÙtiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other tllan insurance proceeds paid under tlle coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) conderrmation or other taking of all or any part of the Property; (iii) conveyance in lieu of conderrmation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (1\1) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means tlle Real Estate Settlement Procedures Act (12 D.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as tlley might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject nmtter. As used in this Security Instrument, "RESP A" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if tlle Loan does not qualify as a "federally related mortgage loan" under RESPA. Q -6(WY) 10005) Œ> Page 2 of 15 InitialS~ Form 3051 1/01 ~::::::::::::::::::~; :;~; ~:::::::~:::::::;;:~:: ~j~;~~f~?m > '1'"' ""''''~~'''''=~')','.'-:T,';'<:'':'' '''-=-~~''',''''''>-"'''''''''''',,","~,-;.,,~,-:-''1' .",,'~ ,,'., ',"""",0 ".,~ . ,.,>................,'.','~.,. -', '''-~"<,'''"'~''".....:-;Yi':~_('...,.,'t..,'¡:."~...,,,,:'','','.~'.,..,.., Æ 8' (.~"·AI·' , ,; \;''-~ d '. .,' fI ~ \l..,..,_'....'=A t-.= r . i.,00822 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whetl1er or not that 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 of the Loan, and all renewals, extensions and modifications of tl1e Note; and (ii) tl1e performance of Borrower's covenants and agreements under this Security Instrument and tl1e Note. For tlllS purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, witl1 power of sale, the following described property located in tl1e COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 1 OF ASPEN HILL SUBDIVISION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT FILED ON AUGUST 8, 1975 AS INSTRUMENT NO. 469248 OF THE RECORDS OF THE LINCOLN COUNTY CLERK. TAX STATEMENTS SHOULD BE SENT TO: 17339, BALTIMORE, MD 212971339 WELLS FARGO HOME MORTGAGE, P.O. BOX Parcel ID Number: 1236192210100100 644 ASPEN HILL DR ETNA ("Property Address "): which currently has the address of [Street] [City] , Wyoming 8 3 118 [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on tl1e property, and all easements, appurtenances, and fixtures now or hereafter a part of tl1e property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in tlllS Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of tl1e estate hereby conveyed and has the right to mortgage, grant and convey tl1e Property and that tl1e Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally tl1e title to tl1e 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 linllted variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: L Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, tl1e debt evidenced by tl1e Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under tl1e Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or tl1Ís InitiaIS~~ _ C -6(WY) 10005) @ Page 3 of 15 Form 3051 1/01 ¡. , , ',',..I..,.,....._~'...., ", .'¡\, ~·I';·':"¡' . . ~j"r·~ ! -\ü..;¡ N.9- Ii ,J¡ 1\;., ~ _,.J _". ~~ C00823 . Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note inunediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or perfonning the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any 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 of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time_ Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, tlle amounts Q -6(WY) (0005) @ Page 4 of 15 InitiaIS®~ Form 3051 1/01 ::::::::::::f::i:::::;:~ ;:;ili:t~ili;~:;::~! :~!]œ~~: :'L:>'~r.1':¡:.":i~," ,,',',':{ "',""',~,::,:,::=,¡:,"':, ...~;~'" "0?~1!~,-~~_,.... ,"; , -_ ,'~"- O'A:.!"'';.::;', """'."'""'.'-;'"'''r>':',,, ..;;¡ ",," \{ ,,1"", '-t 09 .",..~;:]I ~ -...;} COC824 due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall funiish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay tlle amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance Witll Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply tlle Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution 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, allliually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. UIùess 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 eamings on tl1e Funds. Borrower and Lender can agree in writing, however, tllat interest shall be paid on tlle Funds. Lender shall give to Borrower, without charge, an arumal accounting of tlle Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for tlle excess funds in accordance Witll RESPA. 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 witll RESP A, but in no more tllan 12 montllly payments. If tllere is a deficiency of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up tlle deficiency in accordance with RESPA, but in no more tllall 12 montlùy payments. Upon payment in full of all sums secured by this Security Instnllnent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. BOlTower shall pay all taxes, assessments, charges, fines, and impositions attributable to tlle Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Conununity Association Dues, Fees, and Assessments, if any.' To tlle extent that tllese items are Escrow Items, Borrower shall pay tllem in tlle malllier provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument uIÙess Borrower: (a) agrees in writing to tlle payment of the obligation secured by tlle lien in a maImer acceptable to Lender, but oIÙY so long as Borrower is performing such agreement; (b) contests tlle lien in good faitll by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of tlle lien while tllOse proceedings are pending, but oIÙy until such proceedings are concluded; or (c) secures from the holder of tlle lien an agreement satisfactory to Lender subordinating tlle lien to this Security Instrument. If Lender determines tllat any part of tlle Property is subject to a lien which can attain priority over tlùs Security Instrument, Lender may give Borrower a notice identifying the Form 3051 1/01 G -6(WY) 10005) @ Page 5 of 1 5 ,nitia,k "'">~""'""..J-""""". ,'.'.....'...'......','., .., '" ".'..,'-'..'..,',...,~ ,.0'.' . ,~,",,,,,,,¡¡,,. """"",-.,,,., Ü:'}<'¡f ,Q("""j' ,:;p .,~ '.J.J ôl ;j CQC825 lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4, Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in cOlll1ection with this Loan, 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in c01l11ection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determiillltion and certification services and subsequent 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 the Federal Emergency Management Agency in cOlll1ection with the review of any flood zone determiillltion resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additioillll debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices, If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall illIme Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly, Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed, Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid 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 lessened, the insurance proceeds shall be applied to the SUIllS secured by this Security Instrument, whether or not then due, with .. -6(WY) (OOOS) ® Page 6 of 15 Initi.IS~ Form 3051 1/01 ... ~~~~~;~~m¡~~ :J?~~m[~m~: ..,t,....,.,.,'.'"" '" .. ,~', "', ",' ., '...., .,'..' >/- ...,' , , ,~".. "',. :''',''- '::'::.J.~.:"::':"; , ¡t'j.~'''J t " ,n G'~ ~.-, 'J .J¡¡ \1 } ..,:1 ..:~, _ "-~ '-" (">0 (' 8 [', 6 ..' \ \. .(, 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 from Lender that the insurance carrier has offered to settle a claim, tllen Lender may negotiate and settle the claim. The 3D-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of uneamed premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use tlle Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy tlle Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be umeasonably witWleld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow tlle Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deteIioration 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 Olùy if Lender has released proceeds for such purposes. 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. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of tlle Property. If it has reasonable cause, Lender may inspect the inteIior of the improvements on tlle Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material info mla tion) in connection Witll the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perfonnthe covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which nlaY attain priority over tlùs SecUlity Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, tllen 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 tlle value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable G -6(WV) (ODDS) @ Page 7 of 1 S Initial5:~ Form 3051 1/01 .. ,"" ""''''·'~''''~¥''.·,·r''''''·i"'''.''!i~1.!I'''_~''~',1r''=_'''''''" ~~_;<""'" ,",', C-"',',-"~,"" ,.,., w,,"'~"""'-."".'~i" . , " ','.,' '. " '. '......,'.......'L;'!....,;.. . ,;~, . ~ ,," . ,.:..'.."'.~..:~___~""::', ,';;¡¡7:;~::.ff.¡.;.Ii!"~~J.t.....',...,.:-,,':';~~~, (·I·:.,..·.;~".¡.,~h',··" ':i·~~' ..:.; ',-: ¡~".A'~ %)q~"r~ \i~ _ _ if .~. ',::J '-" iØ ""'~ r"·08t'.,7 C.U I ~ attorneys' fees to protect its interest in the Property andlor rights under this Security Instrument, including its secured position in a banl.'ruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under tillS Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from tile date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply WitIl all tile provisions of tile lease. If Borrower acquires fee title to the Property, tile leasehold and tile fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making tile Loan, Borrower shall pay tile premiUlns required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer tIlat previously provided such insurance and Borrower was required to make separately designated payments toward tile premiums for Mortgage Insurance, Bon-ower shall pay tile premiums required to obtain coverage substantially equivalent to tile Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of tile Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of tile separately designated payments tIlat were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain tIlese payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding tile fact tIlat tile Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period tIlat Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward tile prenllums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of lnaking tile Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Bon-ower and Lender providing for such termination or until termination is required by Applicable Law. NotIlÍng in tIlÍs Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to tile Mortgage Insurance. Mortgage insurers evaluate tIleir total risk on all such insurance in force from time to time, and may enter into agreements with other parties tIlat share or modify tIleir risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to tile mortgage insurer and tile other party (or parties) to tIlese agreements. These agreements may require the mortgage insurer to lnake payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of tile Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts tIlat derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying tile mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of tile insurer's risk in exchange for a share of the prenllums paid to the insurer, the an-angement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. G -6(WY) 10005) ® Page 8 of 15 InitialS~ Form 3051 1/01 ~~lli~i~ilim~~~w .n~~jf¡~lrj;i ,.,..,'......,.'.,.,.".'.'"",., .. .,.......,.,~,',' , , ""ó';','I',",!,:","'.,""'_,,- . "", 0! .u"D'~, ~iq ¡oJ¡ ")...~J.1",,?--./":::!I'-, r ,) 'c 8 (', 8 \~, ' 1'# .... \ - ....'" (b) Any such agreements wiII not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments 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 Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, Witll the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of tlle Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by tllis Security Instrument inli1lediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of tlle Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) tlle fair market value of the Property immediately before tlle partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured inunediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by tIús Security Instrument whetIler or not the sums are tIlen due, If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower tIlat the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of tile Property or to the sums secured by this Security Instrument, whetIler or not tIlen due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or tile party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whetIler civil or cril11Ìnal, is begun tIlat, in Lender's judgment, could result in forfeiture of tile Property or otIler material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed witII a ruling that, in Lender's judgment, precludes forfeiture of the Property or otIler 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 tile impairment of Lender's interest in tile Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds tIlat are not applied to restoration or repair of the Property shall be applied in tile order provided for in Section 2. G -6{WY) 100051 ® Page 9 of 1 5 Initia~ Form 3051 1/01 p.:Vf¡\ 8~r~·ï3 \( Þ.'"1 ~,,, C00829 12. 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 Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any 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. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security, Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services perfonned in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not linùted to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a 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 finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted linùts, then: (a) 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 will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Bon-ower might have arising out of such overcharge. 15. 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 Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Bon-ower shall constitute notice 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 O1ùy 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 delivering 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 shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. G -6(WY) 10005) @ Page 10 of 15 Initi'l~ Form 3051 1/01 ~!ml~m¡~¡}: im~iI~?' ".·'c..,·.','........',· .''''''''.''.''_''''''''' ",.."., .'....~ . "_.. , ".........,..........,., .,~','"~.."'_"...". ""','",'. M..", , '.."..,.-.-. 00830 '" "")(À'~, ,.., O~ ~ ,:j ,.1 ¡ ..]¡ 'Þ" ..,' ..,. 16. Governing Law; Severability; Rules of Construction. Tllis Security Instrument shall be governed by federal law and the law 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 might 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 against agreement by contract. In the event that any provision or clause of tl1Ïs Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect otller provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender 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. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, tile intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transfened) without Lender's prior written consent, Lender may require ÏIllinediate payment in full of all sums secured by this 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 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 Section 15 within which Borrower must pay all sums secured by tl1Ïs Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of tile Property pursuant to any power of sale contained in tllis Security Instrument; (b) such otller period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing tlús Security Instrument. Those conditions are that Borrower: (a) pays Lender all SUlIlS which tllen would be due under tlús Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any otller covenants or agreements; (c) pays all expenses incurred in enforcing tlús Security Instrument, including, but not linúted to, reasonable attorneys' fees, property inspection and valuation fees, and otller fees incuned for tlle purpose of protecting Lender's interest in tlle Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure tllat Lender's interest in tlle Property and rights under this Security Instrument, and Borrower's obligation to pay tlle sums secured by tlús Security Instrument, shall continue unchanged. Lender may require tllat Borrower pay such reinstatement sums and expenses in one or more of tlle following fonus, 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. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, tlús right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together Witll this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale lnight result in a change in the entity (known as tlle "Loan Servicer") tllat 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 tile Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of tlle new Loan Servicer, the address to which payments should be made and any other information RESPA ca -6(WY) 10005) ® Page 11 of 15 ,.".@.k Form 3051 1/01 .. '..."..."" i-l,F.:}1 ~)ltJ¡~;;'l \, " __I ~ ..:1....1 U C00831 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor 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 alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportmùty to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fonnaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or pemùt the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Envirolilllental Condition, or (c) wlùch, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the 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 nonnal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environnlental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governnlental or regulatory authority, or any private party, tllat any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance Witll Environmental Law. Notlùng herein shall create any obligation on Lender for an Environmental Cleanup. C -6(WY) 10005) @ Page 12 of 1 5 Initla~ Form 3051 1/01 r::;:::::;:;:·:(':';::¡ ..... ...'" ..>~ 1'~~~::',::S::2 ffi~~II~m~i) :~m~¡~;!~~;~JIW! ¡'.','.'..,.,.,..'.....',',', _."'''''-''",-,.,<.',',..': , ')(1.. "'/'.t j'\f..)¡.<'d (>;..J J 'U ~,.,t;......I./."f.:.-- -" COC832 NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall giyc notice to Borrower prior to acceleration following Borrower's breach of any coyenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law proyides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is giyen to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default OJ' 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 inyoke 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 proyided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title eyidence. If Lender inyokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. 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 charge Borrower a fee for releasing this Security Instrument, but omy if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. Q ·6(WY) (C005) Œ> Page 13 of 15 Initi~ Form 3051 1/01 " . '.'.'-"',"'".:.'.',.... 'Tr.:,·"..','....~,...~_·_...'~;~,!-::"',. ,','1,,-,-':'<", ',".' , """"""".._~,,';" , '...'.- .,,:0: I~I:". ". , ~"".:,:;,o¡,:~ ,Nr¡~.,"" "",'~·~'\:':"l,,--""" ",;" ,..." , """""""'f:"',"','",',;"" .,', ",,' .~r~,';I:'.~.." pG1 N(~~·:?.j, . " ....~J ,""I.. '~_ '1....7 C00833 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: ~-«~ DAVID W CURRIE ./ (Seal) -Borrower ~cwÝa-O~ (Seal) PAULA DIPAOLA CURRIE -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower Q-6(WY) (0005) @ Page 14 of 15 Form 3051 1/01 ~lli~f~;¡;;;;:¡i,:~¡~;~ IÆi~lIm~~:,]; ."",....,...,.....'.',',,-,',',..,'~';J, Æ)G/~ ("",(~i'; ,', 'I.. J ~:.{~:;'t.J J -,,; STATE OF WYOMING, rI;~~;~¡~~? r: t1 t 8,', r'::4' ...' \J \ . . Lincoln County ss: The foregoing instrument was acknowledged before me this 25th day of Hay, 2006 by DAVID W CURRIE AND PAULA DIPAOLA CURRIE My Commission Expires: Q -6G(WY) 100061 @ 9-15-07 N~M ßy~ GLORIA K. BYERS. NOTARY PUBLIC County of State of Lincoln Wyoming My CommIssion Expires Sept. 15. 2007 Page 16 of 16 Initia~ Form 3051 1/01