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WCDA DOWN pAYMENT LOAN MORTGAGE
~
. '. '.' ¿oan Number: g$1ÖO\ 01 ~3q
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This Mortgage ("Secu~jty Instrument") is given on -J u r-,,€.. £.... '1 J 1- 0 0 b
, " The'Mortgagods ¥\u \... S rotir+¡()o..nd '8ð.r-bó...n:\.8 yY)a.r-h'V\
whose ~ddressïs \\9.1,·Q ~t:: LN€&+ -ç:::..1J1ê- I...'J:Q\ >r A .l<~ IJJ'.f
("Borro~er"), This Security!Instry.¡meníis.givcn to. RCI..-Í'\ \:::. o!'t\,r\e. West- Q #. ~l 01
Co:.\\~X'\G.. Co'(ç>,Cy"(:õ.r\-f.oC\ .: '. who is
j, organized and existing.... under' the laws of ~ etD..-k. óP Cð..\ ,{-;)rf\ i (J...> and whose address
is 'Reo ef\ 'P. .:, . ~€- R &--ot':F\·. € (-¡~t} ("Lend;t'J·
Borrower owed Len er tM prmclpal sum of o~-e..\t'()~f\ve.~u~drE'dS1:-lIetîn.()(ttJoll~SoO
($ \ \ '5, '\,00 ). T.hjs debt is evidenced by Borrower's Note dated the same date as this
Security Instrument· ("Note"); which provides for monthly payments, with the full debt, if not
paid earlier, due· and payaQle 011' J \..) \ u' \. I 2. 0 \ 4. .... . this Security Instrument
secures to Lender: . (a) the ~epayment of thê debt ev¡d¿nccd by the Note) with interest, and all
renewals, exten.sions árid 'modifications; (b) . the' payment of all other sums, with interest,
advanced lli1der Paragraph 6 to protect. the security or this Security Instrument; and ( c) the
perfonnance of Borrower's çovenants and agreements ,und¢r this Security Instrument and the
Note. For this purpose, BO¡ITower docs hereby mortgage, grant and convey to Lender, with
power of sale, the following described property located in k\' nee In County,
W . I
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Lo1- ~ ~ rd -¡ ¡ß\bc...\< \ 0 ·o.ç. L \ f1 c.. 0 \1'\ tt e \C\ ~T$ ~--\-.b.
Sùbc\\\J ,si Orl -\i:).·-\-heTow("\ Ö:Ç' Ke.mrne.r-e.r) Lt () coln
c.ou-f'\~) ~O\Y'.\~Ä'.~~ .d~.,5C.:~\~d Or\-\-~e of'-Rc-~a.J
?\o..\- ~\\.ed ~H\ "O:c..:f--.òbe:r~) \~:Îî ClS ~nS+rumer\+ 1-30.
4QC4.o<6to a.f'~h~·.,reLD'\d.s,ð·~ me [,' r\c.ol" Coù{'\~
Q\erK.
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which has the address of \\ ;}.'-i'q lli We$. F '~e l) hI' -\- A Wyoming, '63 \ Ö \ (zip
code)("Property Address");': ._ '. ::. .;-
TOGETHER WITH" all, t~e inwrovements now or hereafter erected on the property, and
all easements, rights, apputiepances; rèri~~;,t"O)'ålties, mineral, oil and gas rights and profits, water
. rights and stock andatrf1~tUres,Ò9w. o.(.·hereaftc~apart,or:the property, All replacements and
additions shall also be cOvered. by this Security Instrument". AJl of the foregoing is referred to in
this Security Instrumèrit 'as "f'roperty". . ',: ". .
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BORROW-ER .cOVENÅNTS that.Bprrowe~ . is' lawfully 'scized of the estate hereby
conveyed and has"therighttci mortgage) grant and con~ey the Property and that the Property is
unencumbered, except for en.~mbrances of recorØ~ Borrowerwarrarits W1d will defend generally
. . , . . . . . . ~ . . . .
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RECEIVED 6/28/2006 at 4:20 PM
RECEIVING # 919758
BOOK: 624 PAGE: 806
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER. WY
1
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the title to the Property against aJ Claims and demands, subject to aIlY encumbrances of record.
. .
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1. Payment of Pri~cip'nl, Interest, Default Interest and Late Charges. BOITowet
shall pay when due the pdricipal of, and interest on, the debt evidenced by the Note,
default interest, ¡~ applicable, and late charges due under the Note.
, " I . . .
2. Paymèot of Tax~s¡'Insurance and Other Charges. BOITower shall make timely
payment of any (a}'taxes' àrid. special,' assessments levied or to be levied against the
Property, (b) lea~hold payments or ground rents On the Property, and (e) premiums
for insutance req~ired by Paragraph 4, The,Borrowel' shall furnish proof of payment
to Lender uRon" r~~u.~st ~y the LCQ.der. .
3. Application of ~~Ymtnts.. All payments under Paragraphs 1 and 2 shall be applied
by Lcnder'åsJollqw's:" . .:....' ." ".'.
. I.. ;'. . . "
Fiist, t¿' interes't due:uoder the'Note;
Secoridj to am,prtizaiio.n of the principal of the Note
Third,' tc):atè charges dueun'dÚ the Note;' . .
, '.' . ' .
... .
4. Fire, 'Flood arid Othèr~Hazaid rn.surance: BON-O\ver shall insure all improvements
on' the' 'Property. ; whether now in existence 'or subsequently erected, against any
hazards, casualties, and' contingencies, including fire, for which Lender requires
insurance. This irisuránce shall be maintained in the amounts and for the periods that
Lender requires. ; .Borrower shall also insure aU improvements on the Property.
whether nOW in existenCe or subsequently erected against loss by floods to the extent
required by the Lpnder. All insurance shall be' carried with companies approved by
Lender. The insurance polides and any renewals shall include loss payable clauses in
favor of, and in a; fonn)\cceptabJe to, LeI1der.'BoJTower shall furnish a copy of the
poticy or policies ofin.~u~aiice to the Lender upon request by the Lender.
In the event of loss, ':È}6rro~~r sllal! giv~ Lc;ride.r::· immediate notice by mail. Lender
ma.y make proof oltåss;ifnotmäde'prqmptIY,by"Bo.rrower. Each insurance company
concerned is hereby'a:uthöi'iiedarid.directed to make payment for such loss directly to
Lender, instead of: to BOITÇ>.Wer and t~ Lender jointly. Al1 or any part of the insurance
proceeds may be 'apþli~d by)';e~Cler; ant's option, either (a) to the reduction of the
indebtedness under:: the "Not'e- arid JhlsS~cÜ~ity Instrument, first to any delinquent
amounts applied}i1 t~~' ?rde~.i~ Påiagrflp~ 3, "and then to prepay~ent of principal or
(b) to the restoratio.u· 01' repair of, the damaged property. Any application of the
proceeds to the; þfìnCipåJ: shall ncit"· extend or' postpone the due date of the monthly
payments which. ar~ ,,~fèITed. ~o in P~agraph; 2, or chaJ1ge the amount of, such
payments. . ,Ariy' ~xccss ,instiámce proceeds.' civeT' an amount required to pay an
outstanding. indebt,edness urider the. Note and this Security Instrument shall be paid to
the entity legaÌly ·entitled.he(eto.
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In the even(6fJoreCfos.lÎr'e of this Secu~~ty !nstÍ-Û'ment or other transfer of title to the
Property that. ¿;xtÏIiguishes .tÍ1eindebtedness,·all right, title and interest of Borrower in
and to.insuraI1.~~pþlicies in force shal.! pa.ssto t~,e p~.rchaser.
, .... ! .....,
5. Occupancy';' JÙcs.ervation" .Ma.int~nance '·.and Prot~ction of the Property¡
Borrower's Ló~~·:~p.Î>~ic~ti~n¡t~ea~~holds.·· Bo1tC?wer shall occupy, establish, and
use the Property; as .. ~of!9wer:'s., Pfinçipa!.residence within sixty days after the
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c::xccution of this SecurÚy 'lnstrume~t and shall continùc to occupy the Property as
principal residence wjthinsixty days a.fter the execution of this Security Instrument
and shall contínu.e,t9 occ).;IPY ,tl1e,·Prôpe~~.aS·~Borrower's priñcipaJ residence for at
least one year after ·th~da.te· OCqccupáriéy, unless ~he Lender determines this
requirement will:. caµse unصe :h'!-rdship fqr Borrower, or unless' extenuating
circumstances exist- ~~ich areb~yondl?orrower's control. Borrower shall notifY
Lenders of any extenuating circumstances;. Borrower' shall I:IOt commit waste or
destroy, damage ,.or Slfbstantial,1)/: ch~ngethe Property or allow the 'Property to
deteriorate, re,ås9nab1ewearalld tear excepted; Lender may inspect the Propcrty if
the Property is . y,'acant or. aband.o1ed .or the loan is in default. Lender may ta.ke
reasonable act~on to. protèct and preserve such vacant or abandoned Property.
ßorrowershaLl. also. be in ~!:,fault.íf BorrQwer, during the loan application process.
gave materia.Hy.fà1se or iqaccurate inforrnrition or statements to LeI1dèf (or failed to
provide Lender with any material information) in connection with the loan evidenced
by the' NO,te, in'Clticling, but not limited to, representatiQns concerning Borrower's
occupaticy' Örthe Property' as a principal residence. If this Security Instrument is 00 a
leasehòld, BoiTòwer shaii comply . with :the provisions of the lease. If Borrower
acquir~s fee. title to. the ~rop'ertY, thé :IÙšeho.'ld .and. þ~e .title shall n.ot be merged unless
Lender agr"ees·to the m~rgerïn writing. . . .
6. Charges to :Bdn:ci~~~.':',å'iid.·Þrot~ctioD "of' 'Lender's Rights in the Property.
,',' . J' I ~ ~ I" . . . . ' .' . . . . .
Borrower shall paY.:âll ~~YÞr:nmental"or mW1icipal ch,arges, fines and ImposItIOns that
are not 'included . inparågtàph 2. :Bóiråwer' shall 'paY these obligations on time
directly to the entity whích is owed' Ú1cpayment. If failure to pay would adversely
affect Lerrder's interest in' the Property, upon' Lender's request, Borrower shall
promptly furnish tø Lender receipts evidencing these payments.
If Borrower fails to mt\,ke. these payments or the payments required by Paragraph 2, or
fails to perform any' ;pther cove,Ümts .aôd 'âg~eements contained in this Security
Instrument, or there is'a legal prpceè.diiigthatrnäy signifIcantly affect Lender's rights
in the Property (suc~' as '~prÇceedi,Î1gJn bankrtiptcy, for condemnation or to enforce
laws or regulations),oíhen 'Li!:ñ'dèr màY'·ì:ioand' pay whatever is necessary to protect the
value of the Property ánd'·~eriôer'.s dght~ '#i the Property,: including payment of taxes,
hazard insurance andqthé)tþm!' rrtcn,*jJ:lêd in Paragraph 2. .
. , ~"": I . ." .: ;. '. . : ' . '. .. .. .
Any amounts .di~l?u~~ed.by:-tdrid~r:uhde¡'t~i~ Paragraph shall become an additional
debt of Borrow"etand' besëcúred by this Se'cudty Instrument. These amounts shall
bear interest tr6fu::tht'.d~tè· 'pf cÙsbuI'senieri~' at' the Note' rate, or the default interest
rate, and at,the 6þ.fiqri pf LCÌ1c:i~r.. si1~ll beímmed.iately due ånd payable.
'. :: . '.' ; '.; . : .: ., ". :; ':. '.' ' .' . :. ~,.... ',' . .
7. CondelJlnátìo~:: .::;The·pro¿e·GdS''of 'i:HiY:'a\V~rd' or .91.iim for damages, direct or
conseqüenti~I;:ìnGonrieCtio~ withariy' condemn~tion or other taking of any part of the
Property', ,ór:fof"'cqr1v:e)iancëin'ph,lce o'fc;ond~nï~àtion, are hereby aS$igned and shall
be paid.: to Ld1~ëi, ·to the 'eXtè~tof'the., fÚIl, ·årrioÙnt· of the indebtedness that remains
unpaid under' tbe,.·Note . nnd' this I SecuritY-::Instrl,.ln:lel1t. Lender shall apply such
proce~s .to. 'the. ~eduGtiQn 'Qf':thê indebtedoès's 'under the Note and this SecuritY
Instnim'ent, first to anY'ï161inquent amounts applied in the order provided in Paragraph
3, and then to::' :p>r¢i?~Y.rnent:of.:p'rincjpat.. :'AnY application of the proceeds to the
principal shall not e~t¢?,d.or þostp,op¡~ the quedat~ of ~e monthly payments, which
Me referred to in, fåragr,'a.p~'f; or.change the ,.~rripu~tof such payments. Any excess
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proc~eds over an ~m:o·~nt.rl;)quir~dto;·'pa:y.p.l¡':outstanding indebtedness under th~ Note
and this Security Instr4ment,shall·:þè,pmdtþ:the;entity legally eJ1titled thereto. .
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8. Grounds for ACèel:e.ra.t.io~·~ó'{þebt.:· :'.:<.·:·,.i:, .
. . .. '. ,., ~ . ,'\, , . " ','. ".: . ,.. .
(a) Default. Lerid~r..m~y'·~q~i~e-:"¡¡1~6êd¡atè payment in full of all sums secured by
this SecuritY,InstrÎ1menUf:; . ... . .":::".:. ...., .
." ,';.'.:: ' ,I. .. . .. "..' '::.. ,.... I ,:. :~ "
(i) Bb:rro.we('d~faul[~··bY. failing to p'"y ~in full any monthly payment requirtd
þy;:tJl~~;$ecuf\ty Iristru0e.nr..prjpr to or on the 'due date of the next monthly
'páym'ept,·.or, ..:.......... :' .
(ii). ':" Bq!Tower' defaults by failing,: for ·a.:period of thirty days, to perform any
'othtr obligations' contained in this 'Sècurity" Instrument
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(b) S~e W(th~·u.n:;.r~dit Appr~val...:,. ,L~!1der shall, if permitted by applicable law,
réquire>imiri~di~lte :payme'ot i~.:fù of ,all..:},he sUms secured by this Security
'Jostrumentif: " .. . ~ " .,.' ....;,
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(i)
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All ot,·~part.,of.the ,Prpperty', .or a' bçneficial' interest in a trust owning all or
part ón6:~:J>fÒP~rty.)..Js:.s9IdQr; otherwise: transferred (other than by devise
or de~n.ty by'·:.~eBorf~~e~,..ånd· ..... .... :
The ·Pi~þertY·. is nói ÖcëÚI>ied by the purch~er or grantee ~s his or her
principal: residence;' 'or the purchaser or grantee does so occupy the
Property but his år her-credit has not been approved in accordance. with
thereq~irementsoftheL6nder. ',' .'.:" ..'
(ii)
(c) Default Iuterest. If Lend.er has not received. the full monthly payment'required
by the Security Instruinent 'by the ~nd pi" the thirty day calendar days after the
payment is du:e, L.6Ì1de"r:,fiIa.YJ.ncrê~se,thè.:interest rate as described in Paragraph 2
of the Note to t:We1vc' pe~.c~~f (12'%)..··r:;enddr· may 'choose not to exercise this
option without *ajvi,:g :jt~ rr~ht. in the event:of any subsequent default.
',' ~. "'::' -: ,: .. :" '..~ '..: ; . "... ' . ;
(d) No Waiver: .:' .I(·9ircu:óJ~Úai1~s." ':oc.~:l;Ir; that would permit Lender to require
immediate. payment,jn' fuÍl,' .büt· ·Lcndêr.' does not reqùîre such payments, Lender
does not w·a.iv~ iilij-ight,hvÜh respect" tos~bsequent events.
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9. Reinstatenuirih' i)}6~~;~&' has'ii,"b"Hght: )Ó'! ~è reinst~ted if Lender has required
. immediate p~Y~·e,l1t.í~· tuÜb'êc~usë'ófBoriower's failure to pay an amount duc under
the Noteòf:·...tÏi,s·,·:$ecùrity Jnstfument.Thi$: right applies even after foreclosure
proceeding~)re'·,J~~tifute·ð..'.·:Tor¢rl)sqite; t~è· ~ecùrity. Instrument, Borrower shall
tender in .a·lùnip·:sliixi IrlIamôi.intS required "to bring 'Borrower's account current
including,,: tò..tb.e:· extent they: ,ar~. obligatipn( of Borrower under this Security
./. ., . ;""'f"" . .', '.,... "" ·t· '. ' , "
Instrument, .fQreclos,uréc,Qsts . arid ,reasonable .and. customary attomeys' fees and
expenses pi"opérl:fåss'ociaf8d .with the 'foreClosÚre: r>rq¿eeding. Upon reiristat~meJ1t by
Borro'wêr, t~¡s' SecüritY InstrUment ánd the 'obHgatìoas, that it secures sha.ll remain in
effect as if Lender, hå.dÏ1ot required immediate payme'nt in fulL Howev~r, Lender is
not required tô·p-ef~iì·r.çrrìsta~em'éht Jf:: '(i) . 'Lender h~s accepted' reinstatement after
the commcncemeni'-::,or'·fôreèrö$ú·ir:·pr9.c:~edings: within two years immediately
preceding the ço,n.m~~~erii~n~; ,9f,a :~:ûiiët:t;lor~·~}osµ'r~· proceeding, (ii) reinstatement
will preclude foreqlósu~~;~m\':d~ffer~nt !gro\lIldsjnßiefuture, or (iii) reinstatement will
adversely affect the prioritY ofth'e lie!} created by this Security Instrument.
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lD. :Borrower Not Rel~~~d; F.9·~beárance. by.l,.ender Not, a Wavier. Extension of the
time of payment or: mbdiflcatiòri' of amortiZation of the sums seóured by this Security
Instrument grante,d ::by.,· Lender to; any:. süc.cessor in interest of Borrower shall not
operate to rclcf!lìþ;'tþe j¡i:!þi'i~tof t~.e,.o~igiÌial Borrowe~' or Borrower's successor in
interest. Lenc.i¢~ sh~lI·:l1;ot.' 9~ requi.çed.. t~ . commen¡;e proceedings against any
successor in -interçst .of refuse to extend time for payment or otherwise modifY
amortization o"f :thé,suq¡s "~'eCurè'd'· ~y this Security Instrument by reason of any
demand made b)/the ;(:iriginàl. BorrpweÌ',.or Borrower's successors in interest. Any
forbearancêÎ)y":Lênde·r.in 6xÙcisJng any right' or remedy shaH not be a waiver of or
prec1~d.~ thé'p~er~is~ of a~y right oáemed)'.,::. .~. .' ,
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11. Successors.' ~nd: As~igns B.ollnd; . JoÌlÜ' and ,~veral Liability; Co--signers. The
covenants: '~nd"a:greeqle~ts òrt;Ì1is seCudtý. 'Instrument shall b.ind and beoefit the
successors'· arid ,assign~ of:'L~nder' an(j: Borrower,subject to the provisions of
Paragiåj)h)\(br . ?or¡'ower'scov'en,~ts and .agf~.em.énts shall be joint and several.
Any Borrower: who co~sign~ this.: Security Instl11ment· do~s not execute the Note: (a)
is co-signin'g ·t~ì's:·:·~~ùrii-Y.)i1,s~i.lrri~¡'Ú o.nly·)å mortgage, grant and convey. tha.t
. '\I: . ~ ...' " .. ','..' ~p , '. . 1 .,.. ' f· .
Borrower's inten~st:.Úà)h~:fròperty:l,1ndè.r the terms pfthl.S Security Instrument; (b) IS
not persQnally Q~U~{¡:¿ne::påy thçš.u11ls:.s·ecur.eø by this Security Instrument; and (c)
agrees that Lender ¡iriÇi . any' . qthé~' aôÌ:rowe;: iri~y agree t:o extend, modify, forbear or
make any accommodãHöris··~.ith reg'årq ·to·the terms'ofthjs Security Instrument or the
Note without that Borrower's consent.' ... .,... .
12. Notices. Any notice to BQrrower provided for in this Security Instrument shaH be
given by delivering it or. by mailing' it by first class mail unless applicable law
requires use of anotti'er 'method. : The t:lotice shall l;>e directed to the property address
or any other addres~ ,B6rro~ðr Øe~ignat.e.s bÿ.,noûce to Lender. Any notice to Lender
shall be given by 'jj~sCcl~~ 'l1)airto' t~nMr"s address .stated herein or any address
Lender designates ,bý.l,1þ·ti~e'tô· B.prr~ý;çr;· : Any notice provided fòr in this Security
Instrument sha.ll be de~riie.d.~~'.~a\1e D.e-en givçn to Borrower or Lender when given as
provided in this..p.¥~g"tàp~:-·.(::.: <:'.: :';,;> ..'.~.;....., .
13. Governing L~W{ S-j~¿;~6Új~.:·: ..'TIÜ~:·Sèc~ritY Instrument shall be governed by
Fcderallaw arid tp:<l~~ ófihe .jJiisi:Hqtion .in which thç.:Property is located. In the
event that ~t:ly .proyi.~i6n··cir ·ç.låuse.}>f ~hjs Sécurity Instrument or the Noteeqnflicts
with applicåbl.¢'laY')suéh··.:c:6rifJid shall not '~ffect other: provisions of this Security
Instrunwn( '.o~;~he :NQte.'whi¿h,·ca:i1:l;)egiYeif~ffect without the conflicting provision.
To this end the' pròvisiØn' :of this' SequdiY l~'strumcÎ1t and the Note are declared to be
scveråble. :.' '. ':!" '..... .'. .' ' .
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14. BorroW~r~s"CÖP)';:·')1oriQ\vershå.Ìl he·.giv·èri QI)~ confonned copy of this Security
Instrurnent..··.'.;..'· . . .:.' .... .....: . ...,.., .
. '. ' ...,. .' ... ::. :.' . ; . . ..' .. ...:' "i':" .' . ......, .: .:'.'. .:. "';:." ."
15. Assig~~e·nt·,;~iÒ:~·~~~~·.,·,.·~qg6~ç~~~cô~ditio#~Ùy ~~~igns and transfers to Lender all
the rents: and ·i:év~~~·~~tþf:,t.h'e;.,~fòp.~m.:·...:ß6rro.wê( . authorized Lender or Lender's
agents to collect tbe.reo.~)ín.d"rey.enu~fandhe~~byçi¡rects each tenant of the Property
to pay the rents·tÓ,:~ÿrí:der-'.ô¡'~;4b1deI3s.,:"<igeri~'i"j-IoweŸer/ prior to Lender's notice to
Borrower of Borrower~s'::bre:aqh··of.a.nycovenant or agreement in the Security
Instrument, Borrower shall' coIr~ct ~d :r~ceive . ail r6nts and revenues of the Property
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as trustee for the. ',ben~fi{: þi;~e.nd6r: and. Borrower. This assignment of rents
constitutes an absolute'.a.ssig.n.ment. and'n~t;al1 assignment for ad,Øitional security only.
: . . ...... .
. \';...:'.' ".' ..'. '. . ". '
If Lender gives notice pfbrea.ch·to'Boirower·; (a) all rents receive by Borrower shaH
be held by BdiTowe:r.'~s ttú~tee: for :bt~nefit .9.f Lender only) to be applied to the sums
secured by th~:..Se9~rítY. I!1~tru"p1ent; (b) Lender shall be éntitled to collect and receive
all of the ren~ pf.thc';p·!:operty¡ and (c) : each tenant of the Property shall pay aU rents
due and up.~a,1d;·tÒ Lender or.Lcnder's'figent· on Lender's written demand to the
tenant.... '::' ..:".:i .... :: . '.: ,'.; :,;' :'..:', . ::. ..:-' ;"': ..,..:.' :';\ :. ':.'
Borro~er has ·not. executed any pdor 'assignment of the rents and has not and will not
perf0n11 an~ ~ctiliat" ,:"oùld p~Yent' Lender from exercising it:) rights under this
Parag~aph 1 ~;.:. . '::' '. '.' " . ...,:. . .
Lender :shaÏl'riot .be .r~quiredto entèr "upon, take control of or maintain the Property
before or after giving notiGe Qf:breach to Borrower: However, Lender or a judiciaUy
appointed rec~ivër:riÚ'l.y::dö··so,'at;·ahY'..time t~ere' is. å breach. Any' application of rents
..\.., ..... , ,', ..,...:. .... \ . .
shall not:cure or waiY.,¢::any,default'ådI:1validåte. any:,other right or remedy of Lender.
This assignment,q(ren'isofthe.pÎ;cÚi¿ity:·sha.lltermîriate ~hen the debt secured by the
. Security instrurri~~i'is',p:ailÍI{fûì¡: .1:hö·.LeodÙòr ajùdicîally appointed receiver shall
not be required to poSt å,Ì1y bond qr Òt,he(' secû~ltY.·to enter upon, take control of or
maintaiJ:l the property. " '., ~: .. ' .
NON-UNIFORM COVENAN'fS. Borrower and Lender further covenant and agree
as follows: .
16. Foreclosure Proc~.d~re.· If Lender reqUire~ immediate payment.in full under
Paragraph 8, Lend~rmay' invoke the power of sale and any other remedies pennitted
by applicable law. ,:Lelid.~r"·:sh~1I" pe :enti'tÍed to collect all expenses incurred in
pursuing the remediesprovidê:d"'in 'thIs: Paragraph 16, including) but not limited to,
reasonable attorp~rs··. fee~ ~?~,:~?~$oftitl~·evidence.
; ." . ~ ..:' I.. '.. '. ,'.::. ,:. '..:;
If Lender invo~esth~'.poW~r·::ôf såle, t:ender:shill give notice of intent to foreclose to
Borrower and~ tot6e;"p~i-s9P în':po~sessiåh'öfthe PropertY, if different, in accordance
with applicabJê "law~ ..L~hqÚ. ~ha,lt-giy~.riotiþe .pf the sale to Borrower in the manner
provided in'Pårågråph:12;:.' Lender' shåll publish notice ofsaleJ and the Property shall
be sold. .in· ,the"maiµ1er pr:e.scdbëd bý åþplicable law. Lender or its designee may
purch~~ the'Pr9perty:at, any sale.:, Th.e 'proceeds,of the. sale shall be applied in the
fOllowing,orqe(:'{åX:to all exp·enses. <;i:f s~le. !i~clµding) but not limited to, reasonable
attorney,s·OJ~·r;¡$.;Y:(b) :to:all'sumš 'sécured by this Seclldty Instrument; and (c) any
excess to thcþ~rson or~ ~erSbns Iegàlly entitlcd .to .it..
17. R~l~~e.· u~'oh' p'.ay~erit"ófalI·~u:mš~ç~ured by .ihi~· s~curity Instrument, Lender shall
release this' Sebµ~itýJt1S~~~_ij.\~~·f.~ithoÜt c'ha"rge tò ,Borrower. Borrower shall pay any
recordation costs·..·.';· ~::.?:\.~:/::::.~:~:: ;,I.::::::':.:;'.',:'.'~":..:, ,..' ~'. .:' :.- .:," .';" '...., "
18. Waivers.' Borrow~r'i:Wåiv~s."·~lh.ights,;of hörnêstea<:! exemption in the Property and
relinquishes all rights'Ofcurtešý:äÍ1ctdowçr,in .th~~~?perty.
Riders to this Security Instrument. If one or more riders are executed by Borrower and
recorded together with this.. $~curity Instrument, thecovcnants. of each such rider shaH be
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incorporated into and s~a¡j.·,ani~n.~~ åpdsuppl~~~nt thc covenants and agreements of this
Security Instrument as jf th~iidér(s) were in a. part of this Security-Instrument. [Check
applicable space(s~r:.:: . ,.:'.'. ..;...,(..... ....' .'. .
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_ co~~~~:I~i~¡jiH.ider. ::::. ':'. '. : '::' _ ~:-aduaced Payment Rider
_. F~q~.~gEqUi~ ~~d~r': :~:;'" . '.' '.~ ~~~~~ed Unit Development
~ : .
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BY SIGNTI'iG.1JELOW..: B'orro.wer··åcccpts and agrees to the terms contained in
pages 1 through'" 7" of this' Security lri~trÙinerl( and in any rider(s) executed by
Borrower arid rei;.or~ed with it. .. . . ':. "
Witnesses:
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Borrower
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STATE OF WYOMING, ..L;/h~~~sr:·:··~~:'.. .,
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The foregoing instrument Wá'~;~tknowíed e
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