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Home My WebLink About923874 /' 00066~ C{? Mter Recording Return To: ALLIANCE TITLE & ESCROW 350 SOUTH WASHINGTON AFTON, Wyoming 83110 RECEIVED 10/30/2006 at 4:08 PM RECEIVING # 923874 BOOK: 638 PAGE: 661 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY [Space Above ThIs Line For Reconllng Data] NUN: 100029500014158640 MORTGAGE (Secondary Lien) DEFINmONS Words used in multiple sections of this document are defmed below and other words are defined in Sections 3, 10, 12, 17, 19, and 20. Certain rules regarding the usage of words used in this document are also provided in Section 15. (A) "Security Instrument" means this document, which is dated October 27, 2006 Riders to this document. , together with all (B) "Borrower" is SCOTT A. EDWARDS and JOHANNA E. LOVE Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. .MERS Is the benefidary under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P,O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. ..J (D) "Lender" is Taylor, Bean & Whitaker Mortgage Corp. Lender is a a Florida Corporation the laws of FL 1417 North Magnolia Ave, Ocala, FL 34475 organized and existing under . Lender's address is (E) ''Note'' means the promissory note signed by Borrower and dated October 27, 2006 , The Note states that Borrower owes Lender Fifty One Thousand and no/100 Dollars (U.S. $ 51 ,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 November 01, 2036 (F) "Property';' means the property that is described below under the heading 'Ïransfer of Rights in the Property." WYOMING MORTGAG~in(!le Family-Secondary Uen THE COMPLIANCE SOURCE. INC. C ITEM TB700l1 (0304)-MERS (Page 1 of 11 pages) GREA llANO. To Onler ea.: 1-800-530-9393 0 Fax: 616-791-1131 IIIII~ IIIIIIII~ III~ II~ I~i III~ Illi III~ ~I~ ~IIIIIIII ß! IIIIIIII *0245041415864* ::~~~~~ilimimf!t " " -".__._----+.~._--"._- -.'-"..-. '-'--"-. 09~38711: 000662 (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, if allowed under Applicable Law, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower, The following Riders are to be executed by Borrower [check box as applicable]: o Adjustable Rate Rider o Condominiwn Rider o Second Home Rider o Balloon Rider 00 Planned Unit Development Rider o Revocable Trust Rider o Biweekly Payment Rider o Home Inlprovement Rider o Other(s) [specify] (I) "Applicable Law" means all contro]]ing applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as we]] as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condonù¡úum association, homeowners association or sinùlar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic ternùnal, telephonic instrument, compnter, or magnetic tape so as to order, instruct, or anthorize a financial institution to debit or credit an account. Such teon includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condenmation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) nùsrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" 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. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its inlplementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be anlended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. WYOMING MORTGAGE--Sillgle FamiJy-SecODdary lien lHE COMPLIANCE SOURCE, INC. C ITEM T8700l2 (0304)-UERS (Page 2 of 11 pages) GREA TLAND . TD Order CaU: 1-8Q(}53G-9393 0 Fax: 616-791-1131 rr:[iI~i;::::~ \{J illi1~;mf ~U :~mm~~~I~1? -..-.-....-..---. - -_...~----- . . .. ...~ . .-. . .. . .-. .~.. .-. -.. '.' 09~:.i87i1 TRANSFER OF RIGHTS IN THE PROPERTY 000663 This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the perfom1ance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lencter and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following d~scribed property located in the County of LINCOLN [Type of Recording Jurisdicûon] [Name of Recording Jwisdiction] See Attached Exhibit A. which currently has the address of 161 ALPENGLOW DRIVE [Street] THAYNE [City] , Wyoming 83127 [Zip Code] ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property," Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not linúted to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not lin1ited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to níortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-unifom1 covenants with linúted variations by jurisdiction to constitute a unifom1 security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest and Other Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and if allowable under Applicable Law, any prepayment charges and late charges due under the Note. Payments due under the 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 this 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 checlc, bank: check, treasurer's check or cashier's checlc, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. 2. Application of Payments or Proceeds. 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 14 or in such manner or location as required under Applicable Law. Except as otherwise described in this Section 2, and as pernùned under Applicable Law, all payments accepted and applied by Lender shall be applied in the following order of WYOMING MORTGAGE-Single Family-Secondary Uen THE COMPLIANCE SOURCE, INC. C ITEM T8700L.3 (0304)-MERS (Page 3 of 11 pages) GREA TlANO . To Order CaU: 1-800-530-93930 fax: 616-791-1131 / - ,-......iI",..........~....... ··':··'·'_'':!IJ'C!.:,;t~,· ·)"(.87(\ O~.....,.. 000664 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 wlùch it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Secwity hlstrument, 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 anlount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more ~an 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. To the extent pennitted by Applicable Law, 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. Subject to Applicable Law, Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of anl0unts 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 hlsurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that ConmlUnity 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, the anl0unts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such tinle 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 Secwity Instrument, as the phrase "covenant and agreement" is used in Section 8. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 8 and pay such amount and Borrower shall then be obligated under Section 8 to repay to Lender any such anlount. Lender may revoke the waiver as to any or all Escrow Items at any tinle by a notice given in accordance with Section 14 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such anlounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an anl0unt (a) sufficient to pennit Lender to apply the Funds at the tinle specified under RESPA, and (b) not to exceed the maXÌInunl 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 tinle specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law pennits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defmed under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defmed under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. Borrower shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. If under Section 21 the Property is sold or the Property is otherwise acquired by Lender, Lender shall apply no later than WYOMING MORTGAGE-Single Family-8econdary lien THE COMPUANCE SOURCE, INC. C ITEM T8700L4 (0304)-MERS (Page 4 of 11 pages) .~ .:.:.:..jJi'Ú:;::¡¡J :t:':';-:'Y~;:~i!! To Order Cal: 1-80D-S3(1. ~~~m~~m~mm?, . .-. . - "'-~~""'-----'" . . "',' ,_._. < .,. _''''.~_ ~ '."u . ..·.T . . ,~ '.-"-"" '---'~''-'"' .'~.- 092387(~ 000665 inmlediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Security Instrument. 4. Charges; Liens. Borrower shall perfornl all of Borrower's obligations under any mortgage, deed of trust, or other security agreement with a lien which has priority over this Security Instrument. Borrower shall pay when due, all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Sepurity Instrument, leasehold payments or ground rents on the Property, if any, and Conununity Association Dues, Fees, and Assessments, if any, To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien other than a lien disclosed to Lender in Borrower's application or in any title report Lender obtained which has priority over this Security Instrument nnless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfonning such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in cOlmection with this Loan if allowed under Applicable Law. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the tenn "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 anlounts (including deductible levels) and for the periods that Lender reqnires. What Lender requires pursuant to the preceding sentences can change during the tenn of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower snbject to Lender's right to disapprove Borrower's choice, which right shall not be exercised nnreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone detennination, certification and tracking services; or (b) a one-time charge for flood zone detennination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such detennination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone detennination 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 nùght provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained nùght significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5, shall be added to the unpaid balance of the loan and interest shall accrue at the Note rate, from the time it was added to the unpaid balance until it is paid in full. Subject to Applicable Law, 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 prenùunls and renewal notices. If Borrower obtains any fonn 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 nanle 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 nndertaken 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 econonùcally feasible or Lender's security would be lessened, the insurance 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, 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 WYOMING MORTGAGE-SingJe Family-8econdary lien THE COMPLIANCE SOURCE, INC. C ITEM TB700L.5 (0304)-MERS (Page 5 of 11 pages) GREATlAND. To Order CaU: 1-800-530-9393 0 Fax: 616-791-1131 / ·~L~...... ..O-~ "... ......,.~,~,......,,_....... ~_.,~ . ............... O~j"2387{1: 000666 clainl, then Lender may negotiate and settle the claim. The 3O-day period will begin when the notice is given, In either event, or if Lender acquires the Property under Section 21 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the an10unts unpaid under the Note or this Security Instrun1ent, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Properry,. 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. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or conmùt 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 deterioration or damage. If insurance or condenmation proceeds are paid in connection with dan1age to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only 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 condenmation 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 the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 7. Borrower's Loan Application. Borrower shall be in default 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 inforn1ation or statements to Lender (or failed to provide Lender with material infonnation) in connection with the Loan. Material representations include, but are not linùted to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 8. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perforn1 the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condenmation or forfeiture, for enforcement of a lien which has or may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not linùted to: (a) paying any sums secured by a lien which has or may attain priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain 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 8, 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 8. Any amounts disbursed by Lender under this Section 8 shall become additional debt of Borrower secured by this Security Instrument if allowed under Applicable Law. 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. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 9. Mortgage Insurance. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the prenùums required to maintain the Mortgage Insurance in effect. 10. Assignment of Miscellaneous Proceeds; Forfeiture. The Miscellaneous Proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condenmation, are hereby assigned and shall be paid to Lender, subject to the tern1S of any mortgage, deed of trust or other security agreement with a lien which has priority over this Security Instrument. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is econonùcally feasible and Lender's security is not lessened. During such repair and restoration period, WYOMING MORTGAGE-Sü¡gle Family---8econdary Uen THE COMPLIANCE SOURCE, INC. C ITEM T8700L6 (0304)-MERS (Page 6 of 11 pages) ~~~D i~ .~I t', , I' .:.:.::t~~:f::t;.;;: t:::::::~:~;r.::~::j¡::1J GREATLAND. To Order CaN: 1-BO(}'53(}'9393 0 Fax: 616-791-1131 ?~ii?} U~~:i87/~ 000667 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 Miscellaneou~. Proceeds. If the restoration or repair is not econollúcally 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, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for danlages, 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 eitller to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due, "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impaimlent 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 18, by causing the action or proceeding to be disnússed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impainnent of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for danlages that are attributable to the impainnent of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by 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 lillútation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in anl0unts less than the anl0unt then due, shall not be a waiver of or preclude the exercise of any right or remedy. 12. 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 Instrunlent but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrwnent only to mortgage, grant and convey the co-signer's interest in the Property under the temls of this Security Instrwnent; (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 acconm1Odations with regard to the tenns of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 17, any Successor in Interest of Borrower who asswnes 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 19) and benefit the successors and assigns of Lender. 13. Loan Charges. Lender may charge Borrower fees for services perfomled in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, as allowed under Applicable Law. The absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrwuent 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 pernúned linúts, then: (a) any such loan charge shall be reduced by the anl0unt necessary to reduce the charge to the pernútted limit; and (b) any sums already collected from Borrower which exceeded pemúned linúts 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. WYOMING MORTGAGE-Single Family-Secondary Uen THE COMPLIANCE SOURCE, INC. C ITEM T8700l7 (0304}-MERS (Page 7 of 11 pages) GREATlAND. To Order CaU: 1-800-530-93930 fax: 616-791-1131 .0:' ...T.·.·...-.·.·~·.'.. ,-,'.-' ...................,.....-... O~~:j874 000668 14. Notices. All notices given by Borrower or Lender in cOU1lection 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 Borrower 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 Lend~. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure, There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by 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 hlstrument 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 wlder this Security Instrument. 15. Governing Law; Severability; Rules of Construction. This 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. hl the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of 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. 16. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest 10 Borrower. As used in this Section 17, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If 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 transferred) without Lender's prior written consent, Lender may require inm1ediate payment in full of all sums secured by this Security hlstrument. 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 14 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pem1Îtted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the temÙDation of Borrower's right to reinstate; or (c) entry of ajudgnlent enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all swns which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, as allowed under Applicable Law; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sun1S secured by this Security mStrun1ent, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following fomlS. 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 mStrun1ent and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 17. 19. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under tlle Note and tl1Ís Security Instrument and perfonns other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the WYOMING MORTGAGE-Single Fanúly--Secondary lien THE COMPUANCE SOURCE, INC. C ITEM T87001.8 (0304)-MERS (Page 8 of 11 pages) ~"""rn ;.·.::.{1,\.,_¡~<,., _ Î::;::"¡~Gl~J.3 ;'.·i!.ð·:~.I:I:.:.:~ ,,'',li',·.I,'.','.',' ,'11.""""""";,, GREATLAND. TD Orner Cal: 1-1100-530-9393 0 Fax: 616-791-1131 {:~i' ; ;}~fi~¡~j~!~;¡;¡:,;:.i ....~;r,~;:. ·f.~' ä:!~'I""'I" ::~:~:::~::~:::< .._.........._.......,.,....,:.I'_j..-; . .....-...........,..... 09238711 000669 Loan Servicer, if required under Applicable Law, Borrower will be given written notice of the change which will state the nan1e and address of the new Loan Servicer, the address to which payments should be made and any other infonnation RESP A 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 conID1ence, 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 Instnunent, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 14) 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 section. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 21 and the notice of acceleration given to Borrower pursuant to Section 17 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 19. 20. Hazardous Substances. As used in this Section 20: (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 flanunable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fom1aldehyde, 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 permit 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 Environmental Condition, or (c) which, 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 Dot apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to. be appropriate to normal residential uses and to maintenance of the Property (including, but not linúted to, hazardous substances in conswner products). Borrower shall promptly give Lender written notice of (a) any investigation, clain1, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release 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 governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Envirownental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup, NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 17 unless Applicable Law provides otherwise). The notice shaD 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 given 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 or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shaD be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 14. Lender shall publish the notice of sale, and the Property shall be sold WYOMING MORTGAGE-Singlc Family-8econdary Uen THE COMPLIANCE SOURCE, INC. C ITEM T8700l9 (0304)-MERS (Page 9 of 11 pages) GREATlAND. To Order CaM: 1-800-530-9393 0 Fax: 616-791-1131 .r-~ / O~23874 000670 in the manner prescribed by AppUcable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applled in the following order: (a) to aD expenses of the sale, including, but not llmited to, reasonable attorneys' fees; (b) to aD sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Release. Upon payment of all swns secured by this Security Instrument, Lender shall relea,se this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasi~g this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is pennitted under Applicable Law. 23. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Security Instrument to give notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default under the superior encumbrance and of any sale or other foreclosure action. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages I through 11 of this Security Instrument and in any Rider executed by Borrower and recorded with it. 5~uJJJ SCOTT A. EDWARDS (Seal) -Borrower JkfLz- JOH A E. LOVE (Seal) -Borrower ~~ ~~ -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower Witness: Witness: WYOMING MORTGAGE-Single Family-8eœndary lien THE COMPLIANCE SOURCE, INC. C ITEM T8700l10 (0304)-IIERS (Page 10 of 11 pages) GREATLAND. To Order CaR: 1-800-530-93930 Fax: 616-791-1131 ':¡:!~:~:::::i::¡;l~: ..l:. .. ~.~Ò~ ."'.""~~.- ?~¡~~im;> .,,'·,';w· , ":':;;:"::::;;';':' 0923874 00067~ " SlaIe of ~\1I\Í '1 COWlty of }~ ) ) ss ) The foregoing instrument was acknowledged before me by Scott A. Edwards and Johann~ E. Love this zt,-rt- day of 0 ~In,... , Witness my hand and official seal. 'Zt>=>lA Tasha C. Curry - Notary Public County of (I) State of Teton Wyoming My Commiasion Expires 5/26/2009 -mJ. (,.~7 Notary Public ~ ~ ~ ~ My oommi";oo expùcs, 'i7~ ~ ,. WYOMING MORTGAGE-Single Family--Secondary lien THE COMPLIANCE SOURCE, INC. C ITEM T8700L 11 (0304)-MERS (Page 11 of 11 pages) GREA TlAND . To Ord", CaM: 1-80()'53()'9393 D Fax: 616-791-1131 .,c. 09·z,:i87t\ Exhibit A File 6010616132SMG Description 000672 The land referred to in this document is situated in the State of Wyoming, County of Lincoln, and is described as follows: Lot 49 of Star Valley Ranch Plat 15, Lincoln County, Wyoming as described on the official plat filed on September 27,1978 as instrument No. 544466 of the records of the Lincoln County Clerk. I:.':'.':'::/,,/(j I;,',','.'·, '."".:~ t;:: .:~~::X/>~,b Ui:;:~:f~;t¡~i;~;' f~;~~~ri~ 9· ·)··JS- ,....,.(1 o ~~ 1:1 000673 PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made this 27th . day of October 2006 , and is incorporated into and shall be deemed to amend and s~pplel11ent the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date, given by the ,tyldersigned (the ·'Borrower") to secure Borrower's Note to Taylor, Bean & Whitaker Mortgage Corp. ) (the ''Lender'') of the same date and covering the Property described in the Security Instrument and located at: 161 ALPENGLOW DRIVE THAYNE, WY 83127 [Property Address] The Property includes, but is not linùted to, a parcel of land improved with a dwelling, together with other such parcels and certain conm10n areas and facilities, as described in (the ·'Declaration"). The Property is a part of a plalU1ed unit development known as STAR VALLEY RANCH [Name of PI81U1ed Unit Development] (the "PUD"). The Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the conunon areas and facilities of the PUD (the "Owners Association") and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall penom1 all of Borrower's obligations under the PUD's Constituent Docun1ents. The ··Constituent Docun1ents" are the (i) Declaration; (ü) articles of incorporation, trust instnuuent or any equivalent document which creates the Owners Association; and (iü) any by-laws or other rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. B. Property losuraoce. So long as the Owners Association maintains, with a generally accepted insurance carrier, a ·'master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and against loss by fIre, hazards included within the tenu ·'extended coverage," and any other hazards, including, but not limited to, earthquakes and floods, for which Lender requires insurance, then: (i) Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premiwn instalhnents for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the tem1 of the loan, Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the master or blanket policy. MULTlSTATE PUD RIDER-Single Family-Fannie MaeIFreddle Mac UNIFORM INSTRUMENT Form 3150 1/01 ITEM T1622l1 (0011) (Page 1 of 2 pages) GREA RAND . TD Order ea!: HlOQ.S3Q.9393 0 Fax: 616-791-1131 11111111111111111 111111111111111 11111111111111111111111111111111111111 *230101415864* 09;¿38'íitl 000674 In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, or to conUllon areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, whether or not then due, with the ex~ss, if any, paid to Borrower. . C. PubUc Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in fom1, ænowlt, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for danlages. direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the conilllon areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 11. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or ternùnation of the PUD, except for abandonment or temùnation required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condenillation or enùnent domain; (ii) any ællendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (üi) temÙllation of professional management and assumption of self-management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender may pay them. Any anlOunts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other ternlS of payment, these anl0unts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in pages 1 and 2 of this PUD Rider. ~.A.JJ SCOTT A. EDWARDS (Seal) -Borrower ~f.6- (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower MULTISTATE PUD RIDER-Sùlgle Family-Fannie MaeIFreddie Mac UNIFORM INSTRUMENT Form 3150 1/01 ITEM T1622L2 (0011) (Page 2 of 2 pages) GREA TlAND . To Order CaY: 1-800-530-9393 0 Fax: 616-791-1131 :¡m::i:i:t~:~~~;l~