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000577
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WCDA DOWN PAYMENT LOAN MORTGAGE
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" '" L'oan Number: ~~ÓOI 0' ~..3q
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This Mortgage ("Security Instrument>!) is given on '-,) u t"€c 'Z.. Î. 'Z.. 00 b
, '. The'Moi-tgagods ~ LA \p S t"O.t1 r+¡ f\ a.od ßó.Y" bó..m R yonD. r -h' y\
, whose ~ddressjs \\.Q'1,.q ~'wes.+ ~ lJe \.)1"')\ ~ A .l<~ tJ..>..¡
("Borro",,;er"). This Security !Instry.unentis ,given to. ~r" (\ \::. o~e.. West- Q . J~l 0 I
c.a.\\~~\G. Co,<,ç.Cy(Ã,+tc:s(\,. " who is
organized and existing under the laws of -tt-e. eto..-k ðP Ca.\ \~r '\ ~ 0-> and whose address
is ~'Re-ger'lc~ 'P,k.0..J'I.' ~€-RE'~-Ol"':f'\~ Q(Y'\ú.Mj Nt ~S!. Lf- ('LLen~b·J.
Borrower owed Len er th~ princIpal sum of ot\-e.~~f\ve.~Ll(\d~s-c.vec)b.l{1JoIl~t'(;>
($ \ ~ 6, ~. 00 ). T.hjs debt is evidenced by Borrower's Note dated the same datc as this
Security Instrument ("Note>!); which provides for monthly paymentl;, with the full debt, if not
paid earlier, due, and payaqle on', J \.J \ U· \) 20\ 4' '. . this Security Instrument
secures to Lender: ,(a) the repayment of thè debt evidëncéd by the Note. with interest, and all
renewals, extensions and modifications; (b) 'the' payment of all other sums, with interest,
advanced under Paragraph 6 to protect, the security of this Security Instrument; and (c) the
perfonnance of Borrower's covenants and agreements ,und~r this Security Instrument and the
Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, with
power of sale, the following described property located in ~\' t"'I C D \f"'I, County,
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Part of Lot- ~ ~rrll'Iß\·t:H:_\< \0 ,of: "L\f"'I c:..O\t) \;te\C\ht-S It--\-b.
Sùbc\\\J \si Orl -\'<:),-TheTcw.:'H~ Ö:Ç \<e.mmerer j Lt'n col\')
Ccu..('"\~} u-^JO"'"'\~,~' ,~~' d~,~C.:~\~d a n -\-~€ cRf-\c-~a..(
~\o..\- ,¢"\.ed ~\'\"a:c...f-Gber~) \C\"î"1 a.s ~nS+rumen+ ljo.
4qC\o~tc a.f'~h<:. '·.reLard~. c'~ \-'he L¡, (\c.ol" Coù n-t.;
C. \erK. more particularly, describ'ed on attached Exhibit A
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which has the address of \\ ii' q kb We$. F' A-u' e l) hi' -\- A Wyoming, '63 \ 0 \ (zip
code) ("Property Address"); .:,' "," .'
TOGETHER WITH'all,the'i~provements now or hereafter erected on the property, and
all easements. rights, appurte~ance~; reri~~~",royaJties, mineral, oil and gas rights and profits, water
rights and stock and all fi~tU~e~ nç>w. or' hëreaftc~a. part ,òr: the property, All replacements and
additions shall also be,cQvered by this Security Instrument'. All of the foregoing is referred to in
this Security Instrtunèrit 'as,,"propèity". ' 'p
BORROW.ER CÒVENÁÌ'ITS, that .'B.orrower "is' lawfully 'seized of the estate hereby
conveyed and has"thé 'right'tci mortgage, grant ånd co~~ey the Property and that the Property is
unencumbered, except 'for enCumbrances ofrecorØ: Boqowêr '\varrants and will defend generally
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RECEIVED 9/12/2006 at 3:58 PM
RECEIVING # 922408
BOOK: 633 PAGE: 577
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
MPP Form 219
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00051-78
the title to the Property against all Claims and demands, subject to any encumbrances of record.
1. Payment of Pri~cip~l, Inter~t, Default Interest and Late Charges. BOITower
shall pay when dùe the pi'iricipal of, and interest on, the debt evidenced by the Note,
default interest, j~ applicable, ~nd Jatecharges' due under the Note.
2. Payment of TaJ:~s,' Insurance' and Other Charges. Borrower shall make timely
payment of any ('a)'taxes ånd, special.'assessments levied or to be levied against the
Property, (b) lea~hold payments or ground rents on the Property, and (c) premiums
for insurance reqtiired by Paragraph 4. The,Borrower shall furnish proof of payment
to Lender upon. requ.est by the LeJ?der. ,
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3. Application of ~~yments. ' All payments under: Paragraphs 1 and 2 shall be applied
by Lcnder'as'fo.lkiw's:' ,:' ,,' ,," '.,'
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First, t¿' interest duc:under the'Note;
Secorid; to am.prtizaÙo~ oftbe principal of the Note
Third, to.' Jàiè charges due under thè:: Note. '.,' "
4. Fire, Flood aridOther:Hazard Insurance: BOITo\~er shall insure all improvements
00 the 'Property, : whether' now in exÏstenceor subsequently erected, against any
hazards, casualti~s, 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 existenèe or subsequently erected against loss by floods to the extent
required by the Lpndcr. All insurance shall be carried with companies approved by
Lender. The insurance policies and any renewals shall include loss payable clauses in
favor of, and in a; fonn).\cceptabJe to, Lender. 'Borrower shall furnish a copy of the
policy or policies of irìsu~aiice to the Lender upon request by the Lender.
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In the event of loss, ':a6rro~~r shall givp Lçrider:' immediate notice by mail. Lender
may make proof ~fJ6ssJfnót 'mäd~' prQmptiY.by 'Borro~er. Each insurance company
concerned is hereby" aÜthöi-iiedand,directed to make payment for such loss directly to
Lender, instead o(to BorroWer and t~ Lender jointly. All or any part ofthc insurance
proceeds may be 'appli~d, D)/'~e~äer~ "tits option, either (a) to the reduction of the
indebtedness under' the'N,ôië arid .tlil's .s~cÜ~ity Instrument, first to any delinquent
amounts appli~dln t~è' ?rde(iri Påragråpli 3,"and then to prepayment of principal or
(b) to the restoration' or repair' of, the damaged property. Any application, of the
proceeds to the: þ~ì'nCipal' shall ncit'txtend or' postpone the due date of the monthly
payments whi~h"f.u"~,,~!éfTed: ,~o ,in ~~gr:ap;~; 2, or chaoge the a,m0unt of such
payments. ' . Any· ~xccss . Insurance proceeds, over an amount requITed to pay all
outsta.nding indebt,edoess urider the,Note a.nd this Security Instrument shall be paid to
the en~ity legally entitled, ,hereto.
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In the eventoffore~f~slÎre' of th'is Secu~iiy Ihsti-U'ment or other transfer of title to the
Property that é~t~guishês .theindebtedness,"all right, title and interest of Borrower in
and toinsurancepo1icies in force shall pass to the purchaser.
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5. Occupancy~ ~Xç~~ry~~~~n?",Má,i~ten:ulce ',all~ 'Protection of the Property;
Borrower's Loan:~,pp~icati9nj,Leall~holds. . BOItÇ>wer shall occupy, establish, and
use the Property ¡ as. B01'!()weJ:'s,; p~inçipal,residence within sixty days after the
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0005~79
execution of this Security' Instrument and shall continue to occupy the Property as
principal residence V'(ithiQsixty .d~ys~fI;er t~e execution of this Security Instrument
and shall continu.e '.~9 occ~py .the.,Pr.opeI1)' ~as·aorrower's principal residence for at
least one year after' the, :dnte' of. :Óccupáricy, unless the Lender determines this
requirement will, caµse unçh~e :h~rdship f~r Borrower, or unless' ext~nuating
circumstances exist- wþich are ,beyond Borrower's control. Borrower shall notify
Lenders of any extenuating circumstaÌ1Ces;, Borrower' shall not commit waste or
destroy, damage ,or ,s~bst,antially: ch~ngethe Property or ,allow the Property to
deterioratè, reasçmablewearal1d tearexcept~d; Lender may inspect the Property jf
the Property, is \(/'icant or. abandorled or' the loan is in default. Lender may take
reasonable action to protect and preserve such vacant or abandoned Property.
BOITowershaU' al~o. be 'in defaulLlr 'Borrower, during the loan application process.
gave materhtlly,nUSe or inå~curnte informátion or statements to Lender (or failed to
provide ,Lender with ,any material information) in connection with the loan evidenced
by th'e Nò.te, induðing, but not limited to, representations concerning Borrower's
OCCup~cy'Òfth.~,~roperty: as a principal residence. If this Security Instrument is 00 a
lea.sehold, Borrower shall comply, witl} :th9 provisions of the lease. If Borrower
acquires fee, title to, the Propérty, the leasehold arid, fee ,title shall not be merged unless
Len~èr' å.gr'eesto the'm~rgcrïn writing. " " "
6. Charges to Bdrtci~~~,·:'.à'iid"'Prot~ctiori "i:i 'Lender's Rights. in the Próperty.
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Borrower shall pa(a11 ~~YþJ;Tlmental''Or municipal ch.arges, tines and ImpositIons that
are not 'included' in 'Parågi-àph 2. :Bórròwer' shall 'pay these obligations on time
directly to the entity whích is owed'the 'payment. If failure to pay would' adversely
affect Lender's interest in' the Property, upon' Lender1s request, Borrower shall
promptly furnish tQ Lender receipts evidèncing these payments. '
If Borrower fails to makç, !hè~e, payments of t~e payments required by Parag~aph 2, or
fails to perform any" pther covenants ai1dagreements contained in thisS~curity
Instrument, or there is \'a legal prpce~diiigthatmäy sígni~cantly affect Lender's rights
in the Property (such as '~'pr9ceedi,h~,in b~nkru'ptcy, for condemnation or to ,'enforce
laws or regulations),'Jhen : Lêñ'dèr måy' öo 'al1d' P3:Y whatever is necessary to protect the
value; ofthe Propertyimd',IÆrider',s dght$ 'in theProperty,:including payment oftaxes,
hazard insurance ~ndQth~rJt~m~, Iri~n.t¡o~'ëd ili Paragraph 2.
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Any amounts .(Ú~bû~~edb'y,:tè'ii¡i~'{ µhdett~i~ Paragraph shall become an a.dditional
debt of Borro\,V'e(~nd· besëctir~a by thi~ S~'cuiity Instrument. These amounts shall
bear interest fr6m'tlie',d~te 'otdisbU¡'semeri~' at'the Note'rate, or the default interest
rate, and at ,the op.tÎ9n ~f Lender" shall be imme4iately due ånd payable.
. .: ':. .:' . ;',' .. '.N " "', :' ~ ' ','. . ." '. . .: '" '.' .' .' ....
7. Condemn.ãÙ¿'µ.: i;The'pro¿e'edi~"o(~ny:·á.:w~r,d; or .91~ìm for damages, direct or
conseqìienti~I;:ìn'G6'ññeCtiori withHarii condemnation or other taking of any part of the
Property,ór:fofc9~ý:eY.ance'i~'place o'fconderri~ation, are hereby assigned and shall
be paid)) -Lenqërdo the 'extel1fo(theJull,a:rhoimtof the indebtedness that ,remains
unpaid under tbe" ,N ote ' anã this I S'ecuritY' ::Instiilniept. Lender shall apply such
proce~s ,to, '-the ~eduètiQn 'qf':thè indebtèdnesS 'under the Note and this Security
Instnmient, first to an:)I-'ê161inquent åmounts applied in the order provided in Paragraph
3, and then to;' :pj¢p~Y,I!1ent;.:or.:p'r.incipal.., : -AnY application of the proceeds ,to the
principal shall noi e?'t¢?9ßr'pOstp'onethe' cluedat~ of th,e monthly payments, which
are referred to ilJ; fa:ragr,'ap~ '~; 'or ,change the ,ªrripu~tof ~uch payments. Any., excess
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SNIS01J
610/600 ~
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000580
proceeds over an am:¿;~nt,rE:quir~dto~'pay,~II,'Òutstanding indebtedness under th~ Note
and this Security Ins~r4meni·sha¡¡:?~"påidf~;the"entity legally entitled thereto.
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8. Grounds for Acc::eleration o'f'Debt. ", .' ¡
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(a) Default. Lerid~r'm~y"requi~e'im~édiate payment in full of al1 sums se¿ured by
this Securitÿ)nst!;:lunenUr: " ' " :', " ' : '. .
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(i) Bb'~oWe('d~fåu'lts'bY, f~îli~g to' p~y :in full any monthly payment required
þy:'t"þr~;$ecúhty Instru~e.nt'.pri()r to or on theâue date of the next monthly
,páym'e~t,or, "',.. ',. :. '.
(ii).. ':,,- Bbrt'ower' defaults by failing,. for a:périod of thirty days, to perform any
'-othèr 'obligations' contained in this SècuritlInstrument.
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(b) S~e Wfth~'ùtCre.dit App'r~val,.', Len:der shall, if pennitted by applicable law,
ré:qu¡re'imiriid'jatepayment i~:fu.ll of all.:.t.ho sums secured by this Security
'Jnstrumentif: ,', ,', ,. ',' '., "',' ;.'. ....";,, :
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All, o~'~part,of.the,:Prç:>p'erty, ,or a beneficial interest in a trust owning all or
part óÌ:th:ê> J>ròp~rt)\ b,sç)ld, q¡:: otheIWtSe', transferred (other than 1>Y devise
or desc~#)' ~)<~e .BorT~v,;~~"ánd " ,',' : . ., ',:
The ·Pr9perty', is nót öccúpieð by thè purchaser or grantee as his' or her
principal" residence; or the purchaser or grantee does so ocðupy the
Property but his Of her' credit has not been approved in accordance with
the req~irernents of the Lènder. ... ,,: . :'
(c) Default Iuterest. If Lender has not received, the full monthly payment required
by the Security Instrument 'by ~he ~nd pfthe thirty day calendar days after the
payment is du~, L.eÌ1der,Ìr1ay';ihcreãsè,tlic)nter~st rate as described in Paragraph 2
of the Note to h:VelvcJje~cè~r (12IVo)""Lender may 'choose not to exercise this
option without ~a;\yi~g:jt~ rí~ht in the' eventof any subsequent default.
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(d) No Waiver. ,: .If..'9irc,u~¢stai1èeis'..:o'c.c:~r, that would, permit Lender to require
hnmediate,payrncmtjn' fuÍl,'büfLcnde'r,·"does not require such payments, Lender
does not \Vaive its~righijwiih respe~,f tos~bsequent e~ents.
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9. ReinstateOl~~'('! ')~oii~;~~r' has' ,th:6'~¡gh<tÓ': bè reinstated if Lender has required
, immediate P~:Y.111~~tí~· ful(b'êcäùsë:6CBorrowër's failure to pay an amount due under
the Note 'of.)1ii.s.':$ëcùrity)nstrument..'Thi~. right, applies even after forçclosure
proceeding{~re '.irÜ¡tifuìe'tî.'.: ::Tor¢ìî)s~te ¡ t~é,' ~ecùrity, Instrument, Borrower shall
tender in ,a' hinip"sltßlå:l] amountS required "to bring 'Borrower's account èµrrent
including,: to, ',the,' extent they, . are obligatipn( of Borrower under this 'Security
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Instrument,fo~ec.los,llré SQsts 'and .t~asotlnble ,and, customary attorneys' fe~s and
expenses p¡'opef1Yfissoèiaœd~ith thefóreClôsÚre: þrqceooing. Upon reinstatement by
BorrclwCr, this· Sècliritý InstrUment and the bbligatìön:s, that it secures shall remain in
effect as ifLena~r"þad.'not requ.ire.d iÎT1~ediate, payment in full. However, Le,nder is
not required tôpèr~it',r.~insiatemei1t' .if:: (i) ,Lender ha,s accepted'reinstatement after
the commcncemenf;:o.('fôrèè1ösú'r(:"~Jm;),c~édings:- within two years immediately
preceding the cO~~~9c~m~n~~ :~f.a :9'ûiTë~t:ror~c}osl;lr~' proceeding, (ii) reinstatement
wíll preclude foreqlòsùr~;9.n,:differl?nt~groundsin.~hef\lh1re, or (iii) reinstatement will
adversely affect thf prioritÿ of.~he.li~l1 c~eated bythi~ Secllrity Instrument.
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(ii)
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610/010
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10. Borrower Not Releåsed;,Forbear4ncebY.1,.ender Not,a Wavier. Extension of the
time of payment or: m6diflcatiòri' of amortization of the sums secured by this Security
Instrument granted:by. Lender to! any:. süc.cessor in interest of Borrower shall not
operate to rele~þ)þe 'j¡~~i~iÞ:"of the"~rigm'al Borrower' or Borrower's succ,essor in
interest. LeriCi~~' shall;: ~ot,' ~~ required, t~ ,commen~ proceedings agaihst any
successor ininterçst ,or refuse to, extend time for payment or otherwise modity
amortizatiorl' pfthê. sU111s' "~ecured ~y this, Security Instrument by reason of any
demand made ,bY',theciriginå.1 B,orrc;¡wei<'or, Borrower's successors in interest. Any
forbearance' 6yLénder ,in exercÎsjng any rightor remedy shall not be a waiver of or
preclude thé' ~~er~isè of any right or'~~medY:' : :, ,. '. '
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11. Successors find: As~ign~ B,oµ~d; 'Joint imd ,several Liability; Co-.sjgners. The
covenants; '~nd:a:greel!lents òfr,his Secui.iry, 'Instrument shall b.ind and benefit the
successors", arict', 'assígns ó(Lender' an~, Boiro~er, ,subject to the provisions of
Paragi.aph:~"Çb); , ~or¡'ower's ,coven,~ts ånd agre,emènts shall be joint and several.
Any Borrower; who co~sign~ this.; Security Instf\1ment does not execute the Note: (a)
is co-signing'" thì~;; ~è~uritý)iï.s~uni~i1i' o,nly' ,tò 'mortgàgc, grant and convey that
Borrower's inter¡;st~in,'ili~.)r¿;pèrtY;:µÍ1der'the tënns pfthis Security Instrument; (b) is
not persQnally obUgái~cl:~ö:,pay' thç's.ums:,seCUftØ by,this Security Instrument; and (c)
agrees that Lend~rãri4 iriy' õthe~' ÐôirÖwe;.: ~ây agree t:ò extend, modify, forbear or
make any accommod~Höris\\i,it:h n~g'ärd tothe tenns'ofthis Security Instrument or the
Note without that Borrower's consent.' ., . . , " '
12. Notices. Any notice to Borrower provided for in this Security Instrument shall be
given by delivering, it' Or. by mailing it by first class mail unless applicable law
requires use of anotHer 'rriethod: : The notice shall' be directed to the property address
or any other address.Bôrro~er designat.~s bY"notÌce to Lender. Any notice to Lender
shall be given by 'ii~st' !ela~~' ~airt6' ~~n~er's address stated herein or any address
Lender designates ,by; ~þti~e,'t<?· B.prr~wçr;' : Any notice provided for in this Security
Instniment shall be de~~eäjò'tulye l:ìééÌ1 givçn to Borrower or Lender when given as
provided in this pariigtaph.. :r:·. ~ ::'::.: "'i,,;, ,. >' :' " ,
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t 3. Governing L~~;:. SeV¿~~bijit? ,,'fiÜs :Sèc~rity Instrument shall. be governed by
Federal1aw arid tþ<la~ ~fthe jUris,di~tíön ,hi which the,:Property is located. In the
event that ~nyproYÎ,~i~n,' pr 'ç~ä:use:})f ~hi~S~cui'ity Instrument or the NotecQnflicts
with applicåbl,¢'laY;, such,:~~ripic't shall ,riot. ~ffect other: provisions of this, Security
Instnul1en(onbe, ::NQte'V(~ièh. cáh.be 'giyeifHfcict without the conflicting provision.
To this end the· provisiøn'.of this' Scqudry li1strumènt and the Notc are declared to be
severable.,: "',':, '" ',., . .,.. ", '
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14. Borrow~r~s:'dòpy'>':,Bdri~~ii~háh, 'b~",'gi~èri' pl)~ 'confonned copy of this' Security
Instrument,"'.',;,,", ' " ",", , '.',..: "
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15. A~ig~~e'ni;6¡f::í{~~is~, ':'~·Q'rio:w~r,:~~·èånditíoii~Ùy ~~~ignS and tranÚcrs to Lender all
the rents. andi~t¢.~~gtpf.::(lè·.~;Rr?p.~rtY,'. .,.·~ðITo,wêr.,autnorized Lender or Lender's
agents to collect tl,1e.rent$;/U1,d rey,enu~~,andhert;by çhrects each tenant of the Property
to pay thë rents':td,::Ge'dder":ôi:;i¿ender;ìs)gèrits';J-!owever/ prior to Lender's notice to
Borrower of BOITowel:'s'J'r~åqh""of"any ,covenant 01' agreement in the Security
Instrument, Borrower shall' coh~ct at:1d "receive ',ail rents and revenues of the Pr.operty
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, ... 000582
as trustee fOf thc, ',ben~fi( þf )..ender: 'arid, Borrower. This assignment 'of rents
constitutes an absoÌu~e~ assignment al)dnot;an assignment for additional security only.
.' . .: '" . . ': '" .
'.' :'.' '. . '. '.
IfLender gives notl'êe pfbreach'to',Borro~ver': (a) aU rents receive by Borrower shaH
be held by BOITo'we:¡':as trUstee, for h~nefit()f Lender only) to be applied totþe' sums
secured by th~,Se'9lÍritY. In~tru'ment; (b) Lender shall be entitled to collect and receive
all of the ren~ io(,t1-ic':~rop~rtyi and (c) ,each tenant of the Property shall pay all rents
due and u!l~a¡'ftò Lender.:. or:Lcnde~'s )igent'on Lender's written demand to the
tenant" ',,' '<:':, .;'.',<':..,' ,", ,": :"': :.' "
Borr~~v~r ~a~'~bt·'ex~·ute'd'~y·~~ior·'~~~g~en~'Ofthe rents and has not and will not
perfon1'1 any ao.t that' wo.i1d prevent' Lender from exercising its rights under this
Paragraph 1'5,;';, '::: '.: :-:>:..,:' ." ,.,,:,. . ,", '
..
Lender'shaÙriot be',requiredto enter 'upon, take control of or maintain the Property
before or after, givi~g' hotiqe ofbre.ach to BOrTower~' However, Lender or a judicially
appointed receiver: m'ai~9'Sc).'at\ahY'"tiriJe there' is, å breach. Any' application of rents
. .. \" ',' ., " '" "..' , ," ,', ' ,
shall not:cure or wai:v..i::åny .default or iJ.1validate any; other fight or remedy of Lender.
This assignment, <if ten'is 'of. ih~ prqp¿i:t)t:'shal1 t~imiriàte ~hen the debt secured by the
. Security instrurri~iIi'iS'p:aid:jn'fùìì: ,thè'Lender'òr ajúdicially appointed receiver shall
not be required to pò$i any b'ond PI: ,other secu~îtY'to enter upon, take control of or
maintain the property. " "": .. . .
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree
as follows: '
16. Foreclosure Proc~.dure.· If lender reqûires immeqiate payment in full under' : '
Paragraph 8, Lender ,may' invoke the ppwer, of sale and any other remedies pérmitted
by applicable law.·Leî1d~r"shåll' beentJüéd to oolleèt aU expenses incurred in
pursuing the remediesprd~id~d':iri 'ihis: Paragraph 16, iheluding, but not limited to,
reasonable attorp~rs'; fee~ ~n~;~?,~s'?ftitle',evidence. '
, ' '
" .' . - ..':' .'. .'. . , .... ,,~.'.., ,;. ': .:.
If Lender invo (éSihé"pow~r;6f sale, (:ender: shall give notice of intent to foreclose to
Borrower and~ to 'the;·:p~¡'S9.ô 'irì,'po~sessioh'öfthe PropertY) if different, in accordance
with applicaJ:¡!ê'law': L~nqer ~haJtgiyeriotice ,.of the sale to Borrower in the manner
provided fn'Påragråph :12';:,' i..èndér shàu publish notice of sale, and the Property shall
be sold,inßle"maiµÜ~~ pI:escribëd býapplicable 'law. Lender or its designee may
purch#e the Property 'at. åny sale." The 'proceeds ',of the. sale shall be applied in the
fOllowing,or¡jerL'(å},'to all expenses, Qf salè,jncluding) but not limited to) reasonable
attorney.s':Je'~~;'\'·{b) :~o,'all'sunis'se¿ured. by· this Security Instrument; and (c) any
excess to thcþerson or persOns legàlly entitled to' it. '
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17. Release. ~p'oh' p'ayineriforall,sums~~cu~ed, bý .ihis Sêcurity Instrument, Lender shall
release this SèbµiiiýJns~~~"o1~n(withotit chärgè tÖ,Borro\vcr. Borrower shall pay any
recordation costs';',\:~:j;::"~';'~::!.~~},;:::·:'::,,",.'~,>.,,. " ,:', ",: : ....; ,',', ~:~ . .'," . '
18. Waivers." Borrò~e¡:";:Wâiv~s.":~l1,:r.ights '~óf' homêsÚ~ad exemption in. the Property and
" . ',' ."'.' . . . .
relinquishes all rights "of curtešy:an(d?wçr.in .th~~:.operty.
Riders to this Security Instrument. If one or more riders are executed by Borrower and
recorded together with this,. $~curity Instrumen4 the covenants of each such rider shall be
6 ' " ,
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000583
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incorporated into and shall ~m~n:q·.ard'suppl#ment the covenants and agreements of this
Security Instrument as if th~ ,iidèr(s) w~reoin a, part of this Security Instrument. [Check
applicable space(s~r:: ",,:, ',,',: .':.. .:',,"
C¿nd9.~i'riiurri Rid~r. ::, ' _Graduated Payment Ri1er
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BY SI'~~~~B~LÓW,'- ~'·~~;:w~tåc~ePts'and. agrees to the tenns contained in
pages I thròügh" 7' of. this Security lristrÚÍnent' and in any rider(s) executed by
Borrower: and re~orded with it. . , .. ': ': ' '. " ,
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Other
-
Witnesses:
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.B~.~ower Me~
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Borrower Barbara A. Martin
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Borrower
Borrower
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STATE OF WYOMING, ,"L:lncoln " C~~n~ ss:, "': ' ,
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The foregoing instrument wiS';~bknc;Wiedged befo're m~ ihis
,.'" ,'," ,':' ;.,by",.:, kYle:' S ." Martin
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A. M;:¡rt-in'
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My Commission·~~pire~;:,'.,':<02rt's~Q ,
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000584
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Exhibit A
File 6010615364 Description
The land referred to in this document is situated in the State of Wyoming, County of Lincoln, and is
described as follows:
¡ i
A- portion of Lot 7 of Block 10 and the Northerly 6.20 feet of Lot 6 of Block 10, both of the
Lincoln Heights 4th Subdivision to the Town of Kemmerer, Lincoln County, Wyoming being
more particularly described as follows:
I !
Çommencing at the Northeast Corner of said Lot 7, Block 10; thence South along the East
boundary of Lot 7, Block 10, a distance of75.50 feet to the Point of Beginning of Unit A;
thence West along the Southerly boundary of Unit B, a distance of 130.0 feet;
thence South along the West boundary of Lot 7, Block lOa distance of 27.0 feet to the
Southwest corner of Lot 7, Block 10;
thence continuing South along the West boundary of said Lot 6, Block 10, a distance of 6.20
feet;
thence East along the Southerly boundary of Unit A, a distance of 130.0 feet;
thence North along the East boundary of Lot 6, Block 10, a distance of 6.20 feet to the
Southeast corner of Lot 7, Block 10;
thence continuing North along the East boundary of Lot 7, Block 10, a distance of 27.0 feet to
the Point of Beginning of said Unit A.
I !