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HomeMy WebLinkAbout925181 (1 tI .'} ! --' L/~ Return To: Bank of the West Post Clos1ng 450 Regency Pkwy, 2-W Omaha, m: 68114 Prepared By: Heather Ha.rkin 450 Regenoy Pkwy Omaha, NE 68114 RECEIVED 12/8/2006 at 4:08 PM RECEIVING # 925181 BOOK: 642 PAGE: 682 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY 000682 (Spaee Above This Uno Fo.. R_..dlnr: Datal MORTGAGE MIN 100104088001664943 DEFINmONS Words used in multiPle sections of this docwnent are defmed below and other words are def'med m Sections 3, 11, 13, 18, 20 and 21. Certam roles regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this docwnent, which is datedDeaember 09, 2006 together with aU Riders to this document. (B) "Borrower" is PAUL YARBER and LINDSEY ME I YARBER HUSBAND AND WIFE ~ Y. cf( Borrower is the mortgagor mder this Security Instrument. (C) ''MERS'' is Mortgage ElectroJUc 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 mortgagee IlDder this SecJ1rity Instl11D\ent. MERS is organIZed and eXIsting under the laws of Delaware, and has an address and telephone number ofP.O, Box 2026, Flint, MJ 4850lw2026, tel. (888) 679-MERS. 8800166494 8800166494 WVOMINO-5lngle FamIlY"'lnnl. Mae/Freddie Mao UNIFORM INSTRUMENT WITH MiRa Form 3081 1101 -41A(WY) (0006),03 £? 1/ y!.! p-øo1 of15 nilloll:~7 VMP Mortgago 80"110111, Ine, "-~l u ~ ~~ ~. .~ :JL f.:~i :'~.. (D) "Lender" is Bank of the West, A California Corporation 000683 Lender is a corporation organized and existing Wider the laws of '!'he State of California Lender's address is 450 Regenay PkWYI NE-REG-01-A, Omaha, NE 68114 (E) ''Note'' means the promJssory note signed by Borrower and dated Decamber 08, 2006 The Note states that Borrower owes Lender One Hunc1red Suty Nine 'l'houBand And Zero/10D Dollars (U. S. $169, 000 . 00 ) plus interest. EQrrower has prmmsed to pay this debt in regular Periodic Payments and to pay the debt in. full not later than January 011 2037 (Ii') "Property" means the property that is described below under the heading "Transfer of Rights in the Properly. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due Wider this Security Instrwnent, plus interest. (H) t'Riders" means all Riders to this Security Instrument that are executed by Borrower. The fOllowmg Riders are to b.e execnted by Borrower [check box as applicable]: D Adjustable Rate Rider D Condommium Rider 0 Second Horne Rider D Balloon Rider D Planned Umt Development Rider 0 1-4 Family Rider o VA Rider 0 Biweekly Payment Rider 0 Other(s) [speclfy] (I) "Applicable Law" means a11 controlling applicable federal, state and local statutes, regulations, ordinances and administtative ntles and orders (that have the effect of law) as well as all applicable fmal, non-appealable judicial opmlOns. (.I) trCommunity Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or 1he Property by a condominium assocIation, homeowners association or similar organization. (IQ "Electronic Funds Transfer" means any transfer of funds, other than a transaction origmated by check, draft, or sirntlar paper 1nStnunent, which is initiated through an electronic termmal, telephonic tnstrumeJit, computer, or magnetic tape so as to order, mstruct, or authorize a îmancial institution to debit or credit an account, Such term mcludes, but is not lhmted to, pomt-of-sale transfers, automated tener machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items It means those Items that are described in Section 3. (M) t'Miscellaneous Proceedst! means any compensation, settlement, award of damages, or proceeds p31d by any third party (other than insurance proceeds paid under the coverages described in Section S) for: (i) damage to, or destruction of, the Property: (:ii) condemnation or other taking of all or any part of the Property; (iii) conycyance in lieu of condemnatIon; or (iv) misrepresentations of, or O1D1SSions as to, the value and/or condition of the Property. (N) t'Mortgage Insurance" means msurance protecting Lender agamst the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) pnncipal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPN' means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its imp1emertting regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended ITom 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 reqmrements and restnctions 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. -IAIWY) (000&),03 Pig. 2 0/15 ~t~ ~L7 8800166494 lnillaJ5:.L4-f Parm 30'1 1101 8800166494 U\I.\..)}' .;q'.."~ :.'., ¡ .,f......3~(",....~...lL.·.._;l.,... (Q) ''Sucçessor in Interest of Borrower" means any party that has taken title to the Property. whether or not that party has assumed BoITOWer'S obligations Wlder the Note and/or this Security Instrument. TRANSFER OF RIGHTS TN THB PROPBRTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and aU renewals, extensions and modifications of the Note; and (ü) the performance of Bonower's covenants and agreemCl1ts under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and asSIgnS) and to the Successors and assigns of MERS, with power of sale, the fOllowing described property located in the County of Lincoln [Typo of Rcoordipg ]prJsc!iolion] [Name of Recording Juri.dicUon] LOT U OF BLOCK 3 OF THE LINCOt.N Hl!:IGHTS SUBDIVISION TO THE TOWN OF ~R, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFI!'ICIAL PLAT THERaI' . 000684 "PURCHASE MONEY'~ Parcel ID Number: 12-2116-23-1-05-052-00 913 3RD WEST AVENUE IæMillU:R ("Property Address"): which currently has the address of [Street) [City] , Wyommg 83101 [Zip Code) TOGBTHER WITH all the unprovements now or hereafter erected on the property, and all easements, appurtenances. and fixtures now or hereafter a part of the property. AU replacements and additions shall also be covered by this Securily Instrunlent. All of the foregomg IS referred to m this Security Instrument as the "Property." BoITOwcr understands and agrees that MBRS holds onJy legal title 10 the Ùú.erests granted by Borrower m t1ús Security Instnunerrt, but, If necessary to comply wìth law or custom, MERS (as nommee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the nght to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Secunty Instnunent. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the nght to mortgage. grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and W1II defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines Wlnorm covenants for national use and non-umform covenants with limited variations by Jurisdiction to constitute a unifonn security InStrument covering rea:! property. 9800166494 -eAIWY) (0006~03 P.g.3 or 1S 1:))( '~'~r 9900166494 InIU.I., r· . d Form 30&1 1/01 t1 \" I'" .. AT~ t;¡: ....~~, O':j ,.:Ã :..> .k., ...J ,," UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal. Interest, Escrow Items, Prepayment Charges, anet Late Cl1arges, Borrower shaIl pay when due :the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrmnent shall be made in U,S. currency. However, if any check or other mstrument recetved by Lender as payment Wlder the Note or this Security fnstrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under thc Notc and this Secunty Instrument be made in one or more of the followmg forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check. treasurer's check or cashier's check, prOVIded any such check is drawn upon an institution whose deposits are msured by a federal agency, mstrumentality, or entity; or (d) Electronic Funds Transfer. Paymcn:ts arc deemed received by Lender when received at the location designated in the Note or at such other location as- may be designated by Lender m accordance with the notice proVíSions in Section IS. Lender may retmn any payment or partial payment if the payment or partial payments are msufficlent to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current. without Waiver of any rights hereunder or prejudice to its nghts to refuse such payment or partial payments in the future, but Lender 15 not obligatcd to apply such payments at the time such payments are accepted. If each Periodic Payment 15 applied as of its scheduJed due date, then Lender need not pay mtcrest on Wlapplied funds. Lender may hold such \mapplied funds unül Borrower makes payment to bnng the Loan current. If Borrower does not do so WIthin a reasonable period of Wne, Lender shall eIther appJy such funds or return them to Borrower. If not applied earlier, such funds WIll be applied to the outstanding prindpal balance under the Note immediately pnor to foreclosure. No offset or claim which Borrower might have now or m the future agamst Lender shall relieve Borrower from makÚlg payments due under the Note and this Secunty Instrument or performing the covenants and agreements secured by this Secunty Instrument. 2. Application of Payments or Proceeds. Except as othe(WISe described in this Section 2, all payments accepted and applied by Lender shall be applied in the foJJowing order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Perrodic Payment m the order in wlùch It became duc. Any remaining amounts shall be applied fust to late charges, second to any other amounts due under this Security Instrument, and then to reduce the pnncipal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a suffICient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Penodic 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 pau'J in full To the extent that any excess eXlSts after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shaU be applied fIrst to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to prinCipal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attaiu priorlty over this Security Instrument as a lien or encwnbrance on the Property; (b) lcasehold paymentB or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender Wlder Section 5; and (d) Mortgage Insurance premiums, ü any, or any swns payable by Borrower to Lender in lieu of the payment of Mortgage li1surancc premiums in accordance with the proViSions of Section 10. These items are called "Escrow Items. II At originatIon or at any. time during the term of the Loan, Lender may rCquire that Commuwty 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 wder this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender watves Borrower's obligation to pay thc 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 warver may only be in writing. In the event of such waiver, Borrowcr shall pay directly, when and where payable. the amounts 8800166494 111111011:'/)-: If 8800166494 -8A(WY) (00051,03 Pago 40115 Form 3051 1/01 000685 ~ , :.1 r' ~ .....hl 'I.,: .....;; 6 { ,~J~:.~,¡.l.,(~: ,';" 00068 - due for any Escrow Items for which payment of Funds has been waived by Lender and, ü Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to proVlderecelpts shaU for aU purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9, If Borrower 15 obligated to pay Escrow Items directly, pursuant to a waJVe1', and Borrower fails to pay the amount due for an Escrow Item, Lender may exercISe jts rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amotmt. Lender may revoke the waiver as to any or aU Escrow Items at any tlme by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Sectiön 3. Lender may, at any time, coUect and hold Funds In an amount (a) sufficient to penmt Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can reqwre under RESP A 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 mstltution whose deposits are insured by a federal agency, ins1rmnentality, or entity (including Lender, if Lender IS an institution whose deposits are so msured) or m any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A Lender shatI not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifYing the Escrow Items, urness Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made ín writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnmgs on the Funds. Borrower and Lender can agree m writing, however, that interest shall be pmd on the Funds. Lender shall give to Borrower. without charge, an annual accounting of the Funds as required by RBSP A If there is a surplus of Funds held in escrow, as defmed under RESPA, Lender shall account to Borrower for the excess funds m accordance with RESPA If there IS a shortage of Funds held in escrow, as defined lDlder RESP A, Lender shall notIfy Borrower as requited by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESP A, but ín no more than 12 monthly payments. If there 18 a deficiency of Funds held in escrow, as dermed under RESP A, Lender shall notify Borrower as reqwred by RESP A, and Borrower shall pay to Lender the !Ullount necessary to make up the deficiency in accordance with RESP A, but m 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. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and unposítions attributable to the Property which can attam pnority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Conunumty AssoclaUon Dues, Fees, and Assessments, Ifany. 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 which has pnonty over this Security Instrument unless Borrower: (a) agrees m writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien m good faith by, or defends against enforcement of the lien in, legal proceedings which 1n 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 subordinatíng the lien to this Secunty Instrument. If Lender det.cnnines that any part of the Property is subject to a lien which can attaIn priority over this Security Instrument, Lender may giVe Borrower a notice 1dentitÿing the 9800166494 .QA(WVI (0006),03 PIol6 of 16 L?~ ~ 8800166494 'nR'a":~r Form 3061 1/01 ï .f '<C~")I r·: "l' 1·,,; ..? - 'l.) .......¡fJ...." '\...f-. .Ji.. ~. ~.. ., ,',., lien. Within lO days of the date on which that notice is given, Borrower shan satisfy the lien or take one or 000687 more of the actions set forth above in this Section 4: Lender may requjre Borrower to pay a one-tmie charge for a real estate tax verification and/or reporting servIce used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now eXIsting or hereafter erected on 1he Property msured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requtres 1Osurance. This insurance s1l.a11 be maintamed 10 the amounts (Ùlcluding deductible levels) and for the penods that Lender requires. What Lender reqwres pursuant to the preceding sentences can change durmg the term of the Loan. The msurance carner providing the inSUrance shall be chosen by Borrower subject 10 Lender's right to disapprove Borrower's choice, which right sha:l1 not be exercised \Dllcasonably. Lender may require Borrower to pay, in connection with this Loan, el1her: (a) a one-time charge for flood zone detcrmmation, certiÏu:ation and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappmgs or similar changes occur which reasonably might affect such determmation or certification. Borrower shall also be responsibJo for the payment of any fees imposed by the Federal Emergency Management Agency m connection wtth the review of any flood zone detennination resultÙlg 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 I against any risk, hazard or liability and might provide greater or lesser coverage than was previously m effect. Borrower acknowledges that the cost of the insurance. coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtamed. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this' Security Instrument These amounts shall bear mterest at the Note rate from the date of disburæment and shall be payable, with such mterest. upon notice from Lender to Borrower requosting payment. AIl insurance policies required by Lender and renewals of such policies shall be subject to Lender's nght 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 cerûficates, If Lender requires. Borrower shall promptly give to Lender aU receipts of paid premiums and renewal notices. If Borrower obtaîns any form of Ùlsurance coverage, not otherwtse required by Lender. for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name 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 uuderlymg insurance was reqlrired by Lender, shal] be applied to restoration or repair of the Property, if the restoration or repair is economicaJly feasible and Lender's security is not lessened. Dur10g such repa1f and restoration penod, Lender shall have the right to hold such msurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds· for the repmrs and restoration m a smgle 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 reqwred to pay Borrower any mterest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasíble 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 -8A{WV) (0005),03 Plge 8 0115 kduels:L.!:d1 8800166494 8800166494 pgrm 3011 1/01 .,"" f J', <t.~ ~. II I~~' 'ì~ .' ¡,.~: 'U ~r . .." ",} -4" _"" ", \.... 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 fÌ'om Lender that the msurance carrier has offered to settle a claJrn, then Lender may negotiate and settle the claim. The 30-day period Will beg111 when the notice IS given. In either event, or if Lender acqwres the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any msurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned prel1Ul1tnS paid by Borrower) under all insurance policies covering the Property, msof JI' as such nghts are applicable to the coverage of the Property. Lender may use the msurance proceeds eIther to repair or restore the Property or to pay amounts unpaId under the NOte or this Security Instrument, whether or not then due. 6. Occupancy, Borrower shall occupy, establish, and use 1I1e Property as Borrower's principal residence within 60 days after the execution of this Security Instnunent and shall continue to occupy the Property as Bartower' s prmcIpal reSldence for at least one year after the date of occupancy, unless Lender otherwise agrees in wnting, which consent shalt not be unreasonably withheld, or unless extenuating cttcumstances exist which are beyond Borrower's control. 7, Preservation. Maintenance and Protection of the Property¡ Inspections. Borrower shall not destroy, damage or impmr 1he Proper/)', allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing m the Property, Borrower shall maintaIn the Property 11\ order to prevent the Property from detenorating or decreasmg Ùl value due to Its condition. Unless It 18 determined pursuant to Section 5 that repaJr or restoration is not economically feasible, Borrower shall promptly repair the Property If damaged to a'Void further detenoration or damage. If ínsurance or condemnation proceeds are paid in connection With damage to, or the taking of, the Property, Borrower shall be responsible for repmring or restoring the Property only if Lender has released proceeds for sllch purposes. Lender may disburse proceeds for the repaIrs and restoration Dl a single payment or in a series of progress payments as the work ìs completed. If the msurance or condemnation proceeds are not sufficient to repa11' or restore the Property, Borrower IS not relieved of Borrower's obligation for the completion of such rep31l' or restoration. Lender or Its agent may make reasonable entries upon and inspeCtions of 1he Property. If it has reasonable cause, Lender may I1\spect the mtetior of the improvements on 1he Property. Lender shalt give Borrower notice at the time of or pnor to such an intenor tnspection specifying such reasonable cause. 8. Borrower's Loan AppJication. Borrower shall be in default it; during 1he Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) m connectton with the Loan, Matenal representations include, but are not liJmted to, representations concerning Borrower'lI occupancy of the Property as Borrower'lI principal resIdence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument, If (a) Borrower fails to, perform 1he covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might sig11lficantly ·affect Lender's interest m the Property and/or ngbts under this Security Instrument (such as a proceeding in bankruptcy, probate, for condenmaíton or forfeiture, for enforcement of a lien which may attaIn priority over 1his SeCurity Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, 1hen Lender may do and pay for whatever IS reasonable or appropriate to protect Lender's mterest in the Property and rights \IDder this SecurÍt}' Instnunent, including protecting and/or assessmg the value of the Property, and securing and/or replllJ'ÍIlg the Property. Lender's actions can include, but are not linuted to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paymg reasonable 000688 P"O"1oI16 Inllillo: ./ Y...If 8900166494 8e00166494 -6AIWY) (0006),03 Form 30&1 1/01 ~I Ii t"'- ,,'\:0.. ~ . J '~.'- 9 U::J~:oi.)'..J.>,:,:'··,·..". 00068. attorneys' fees to protect its interest in thc Property and/or nghts 1Utder this Security Instrument including rts secured position in a bankruptcy proceeding. Securmg the Property mcludes, but is not limited to. entering the Property to make repaU'S, change locks, rcplace or board up doors and wmdows, drain water from pipes, elimmate building or other code Vlolations or dangerous conditions, and have utilities turned on or off. AJthough Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligabon to do so. It 18 agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender 'imder this Section 9 shall become additional debt of Borrower secured by this Security Instnuuent. These amounts shall bear mteres! 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 Instnnnent 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. 10. Mortgage Insur.aQce. If Lender requirc;d Mortgage Insurance $ a condition of making the Loan, Borrower shall pay the premimns required to maintain the Mortgage Insurance m effect. If, for any reason. the Mortgage Insurance coverage required by Lender ceases to be available trom thc mortgage insurer that previously provided such insurance and Ðmrower was rcqwred to make separately designated payments toward tile premiums for Mortgage Insurance, Bo1'1'Ower shall pay the premiums required to obtam coverage substantially eqUIValent to the Mortgage Insurance prevlOusly in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously m effect, ftom an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender ilie amount of the separately dcslgDated payments that were due when the insurance coverage ceased to be in effect. Lender wllI accept, use and retain these payments as a non-refundable loss res.erve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwitllstanding the fact that the Loan IS ultimately paid in full, and Lender shall not be reqwred 10 pay Borrower any interest or e¡¡mings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period t.ha1 Lender requires) proVlded by an insurer selected by Lender again becomes available, is obtained. and Lender requites separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making thc Loan and Borrower was requited to make separately designated payments toward the premIUms for Mortgage Insurance, Borrower shall pay the premiums reqwred to maintaIn Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurancc ends in accordance wrtll any wrrtten agreement between Borrower and Lender providing for sucll tenmnation or untIl tennination is requlIed by Applicable Law. Nothing m this Section 10 affects Borrower's obligation to pay interest at the rate proVIded in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses It may mcur if Borrower does not repay the Loan as agreed. Borrower IS not a party to the Mortgage Insurance. Mortgage msurers evaluate. their total riSk on all sucll insurance m force from time to tune, and may enter into agreements With other parties that share or modifY thell Itsk, or reduce losses. These agreements are on tenns and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mort~e insurer may have available (wlrich may include funds obtained from Mortgage Insurance prcrniwns). As a result of these agreements, Lender, any purchaser of the Note, another msurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be cbaracterized as) a portion of Borrowerl s payments for Mortgage Insurance, in exchange fOf sharmg or modifying tile DlOrtgage insurer's risk, or reducmg losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance. II Further; (a) Any SOdl agreements will ·not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or aQY other terms of the Lotm. .Sucl1 agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitJe Borrower to any refund. 9800166494 Au _._P 8800166494 In",.I" .LZ....¡f'7 -IA(WY) (0005).U Pag" eof 15 Form 3061 1/01 r I' 1" ,~) t' ,r .~~I \., ,j "", ,I 's '..1\ ~:" ; ¡, .1....,. ,. " V< L·....;..,~ '.' (b) Any such agreements will not affect the rights Borrower has - it' any - with respect to th000690 Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of tbe Mortgage Insurance, to have the Mortgage Insurance terminated automaticaUy, and/or to receive a reCund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Fori'eiture. All Misc~llaneous Proceeds are hereby assigned 10 and shan be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoratÌOJ1 or repair of the Property, If the restoration or repair is economically feasible and Lender's security is not lessened. Dunng such repall and restoration period, Lender sha11 have the rtght 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 satisfactiOJ1, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restorat1on in a single disbursement or in a SCJ'ies of progress payments as the work. is completed. Unless an agreement is made in writing or Applicable Law requires interest to be p81d on such M~ce11aneous Proceeds, Lender shall ,not be re~~ed to pay Borrower any' interest or earnmgs on such MIscellaneous Proceeds. If the restoration or repau- 15 no~ economlCally feasIble or Lender's securxty 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. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the ~cess, ifany, paid to Borrower. In the event of a partial taking, destmction, or loss in value of the Property m which the fair market value of the Property immediately before the partial taking, destruction, or 108S in value is equal to or greater than the amowt of the sums secured by this Security Instrument unmediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this SecurIty Instrument sball be reduced by the amount of the Miscellaneous Proceeds multiplied by the followmg fraction: (a) the total amowt of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be pald to Borrower. In the event of a partial taking, destruction, or loss in value of the Property m which the fair market value of the Property immediately before the partial taking, destruction, or loss m value IS less than the amount of the sums secured immediately before the partial taking, destroction, or loss m value, unless Borrower and Lender otherwíse agree in writing, the Miscel1aneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or If, after notice by Lender to Borrower that the Opposmg Party (as deïmed it\ the next sentence) offers to make an award to settle a claUn for damages, Borrower fails to respond to Le11der WIthin 30 days after the date the notice 15 given, Lender is authonzed to collect and apply the Miscellaneous Proceeds either to restoratIon or TCpm of the Property or to the sums secured by this SecurIty Instrument, whether or not then 'due. "Opposmg Party" means the third party that owes Borrower Miscellaneous Pr.oceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. . Borrower shall be in default û any action or proceeding, whether CIW or C1'immal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other matertal nnpaument of Lender's interest in the Property or rights Wlder this Sccunty Instrument. Borrower can cure such a default and, if acceleratiOn has occurred, reinstate as proVIded in Section 19, by causmg the action or proceeding to be dism1Ssed With a ruling that, in Lender's Judgment, precludes forfeiture of the Property or other matenaI nnpaD'ment of Lender's Interest in the Property or fights under this Security Instrument. The proceeds of any award or claun for damages t]Ult are attributable to the impatmtent of Lender's mterest m 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 m Section 2. PI51' t of 15 Inllllls: "L? 1. If 8800166494 8800166494 -8AIWY) (0005).03 Form 3061 1/01 , h f ,~. ...".., l"I', C":'; ,I!)'~": ·"L,·.·,·'" Uo,J.--ø,·.....· .. 000691 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to conunence proceedings against any Successor m Interest of Borrower or to refuse to extend time for paymesat or othe1'W1Se 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 mcluding, Without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in am01mts less than the amount then due, shall not be a waIver of or preclude the exercise of any nght or remedy. 13. Joint and Several Liabßity; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who CO-SignS this Security Instrument but does not execute the Note (a "co-signer"): (a) 18 co-signing this Security Ins.trument only to mortgage, grant and convey the co.-signer' s interest in the Property under the tenns of this Security Instrument; (b) is not personally obligated to pay the sums secured by t1ús Security Instrument; and (c) agrees 1I1at Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the tenns of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor m Interest of Borrower who assumes Borrower's obligations under this Security Instrument m wnting, and is approved by Lender, shalt obtain all of Borrower's rights and benefits under tbisSecurity Instrument. Borrower shall not be released from Borrower's obligations and liability tmder this Security Instrument unless Lender agrees to such release in writing. The covenants .and agreements of this SecurIty Instrument shall bind (except as provided m Section 20) and benefit the successors and asSIgns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services perfonned in cOIUlection with Borrower's default, for the purpose of protecting Lender's mterest in the Property and rights Wider this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of expre~ authority in this Secunty Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security· Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is fmally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the pennitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permìtted liIiait; and (b) any swns aJready collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the prlIlCipal owed under the Note or by making a direct payment to Borrower. If a refimd reduces principal, the reduction will be tteated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower roll constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notice.'!. AIl notices given by Borrower or Lender in connection with this Seeunty Instrument mUst be in writing. Any notice to Borrower m connection with this Security Instrument shall be deemed to have been given to Borrower when matled by f1l'St class mal1 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 requD'es otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notifY ~ender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower' s c]¡ange of address, thCQ Borrower shall only report a change of address tluough that specified procedure. There may be only one designated notice address under this SecuTlty Instrument at anyone time. Any notice to Lender shall be giVen by delivering It or by. mailing it by fD'st class mail to Lender's address stated hereÙl wiess Lender has designated another address by notIce to Borrower. Any notice m connection With this Secul1ty Instrwnent shall not be deemed to have been given to Lender wtíl actually received by Lender. If any notice required by this Security Instrument is also required lDlder Applicable Law, the Applicable Law requarement wJll satisiY the corresponding requirement under this Security Instrument 880016·6494 -8A(WV) (0005),03 Pa O 10 of16 ~Y·~ 8800166494 initials: r; . Form 3061 1101 o ~ ~:: ~~;: ~.L)I . 16. Governing Law; Severability; Rules of ConstnJction. 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 m tlùs Security Instrument are subject to any requirements and limitatíons of Applicable Law. Applicable Law nught explicitly or ooplicìtly 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 conttacl In the event that any provision or clause of tlùs Secunty 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 proyjsion. As used m this Security Instrument: (a) words of the masculine gender shalt mean and include corresponding neuter words or words of the femmme gender; (b) words in the smgular shall mean and mclude the plural and Vlce 'Vetsa; and (c) the word Mmay" gwes sole discretion wIthout any obligation to take any action. 17. Borrower's Copy. Borrower shall be g1Ven one copy of the Note and of this Secunty Instrument 18. Transfer of the Property or a Beneficial Interest in BOlTOwer. As used in this Sectlon 18, "Interest m the Property" means any legal or beneficIal interest in the Property, including, but not limIted to, those benefroial mtcrests ttansferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which 15 the transfer of title by Borrower àt a future date to a purchaser. If all or any part of the Property or any tnterest 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 immediate payment in full of all swns secured by this Security Instrument. HoweV'et, this option shall not be exercised by Lender if such exerClSe is prohibited by Applicable Law. If Lender exercIses this option, Lender shall give Borrower no.tice of acceleration. The nOtice sball provide a penod of not less than 30 days· from the date the notice 18 given in accordance with Section IS within wmch Borrower must pay all sums secured by tlùs Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pennitted by this Secunty Instrument wÌthC;JUl flD1her notice or demand on Borrower. 19. Borrower's Right to Reinstate After AcceJeration. If Borrower meets certam conditions, Borrower shall have the right to have enforcement of this SeCUl'lty Instrwnent discontinued at any time prior to the earliest of: (8) five days before sale òf the Property pursuant to. any power of sale contained in this Secunty Instrument; (b) such other period as Applicable Law might specrl}r for the tennination of Borrower's right to reinstate; or (c) entty o.f a judgment enforcing this Security Instmment. Those conditions are that Borro.wer: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as üno acceleration had occurred; (b) cures any defuuJt of any other covenants or agreements; (0) pays all expenses incurred in enforcmg this Security Instnnnent, mcluding, but not lúnited to, reasonable attorneys' fees, property inspectio.n and valuation fees, and other fees incurred for the putpœe of pro.tecting Lender's mterest m the Property and rights \Ulder this Security Instrument; and (d) takes such act10n as Lender may reasonably require to assure that Lender's mterest m the Property and rights under this Security Instrument, and Borrower's obligation to pay the sUins secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement SIUßS and expenses m one or more of the follo.wmg forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, tteasuter's check or cashier's check, provided any such check 15 drawn upon an mstitntion whose deposits are insured ,by a federal agency, mstrumentality or entity; or (d) ElectroniC Funds Transfer. Upon remstatement by Borrower, this Security Instrument and obligations secured hereby shall remain ftùly effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case o.f.acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together 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") 1hat collects Pcnodic Payments due under the Note and tlùs Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instnunent, and Applicable Law. There also might be one or more changes of the Loan Servicer Wttelated to a sale of the Note. If there 15 a change of the Loan Servicer, Borrower will be gtV'en written notice of the change which will state the name and address of the new Loan Servícer, the address to' which payments should be made and any other mfonnation RESP A 8800166494 /. ~ 8800166494 Inall',: . Y Jlorm 3011 1101 -8A(WY) (0005),03 Plgt11 0116 1.1 000692 O~j~:~ I~.i ::Z"t'~·;:·¡~uires Ò1 connection with a notice of transfer of servicmg. If the Note is sold and thereafter the Loan Is 000693 serVlced by a Loan Serva.cer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower WJll remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assume~ by the Note purchaser unless otherwise provided by the Note pmchaser. Neither Borrower nor Lender may commence, Join, or be Jomed t«;> any judicia] action (as eIther an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Secmity Instrwnent or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Secmlty Instrument, until such Borrower or Lender has notified the other party (with such notice given m compliance with the requirements of Sect10n 15) of such alleged breach and äfforded the other party hereto a repsonable 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 wilt be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure gIVen to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportumty to take corrective action prov15ions of this Section 20. 21. Hazardous Substances. As used m this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or tOXlC petroleum products, toxtC pesticides and herbicides, volatile solvents, materials cont~ming asbestos or formaldehyde, and radioactive materials; (b) 10 EnvirorunentaI Law- means federal laws and laws of the Junsdiction where the Property is located that relate to health, safety or enVironmental proteCtiOn: (c) "Environmental Cleanup" mcludes any response action. remedial action, or removal action, as defmed in EnVttonmentaI LaW; and (d) an 'I Environmental Condition" 1D.eans a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or pemút the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any HlI7lU'dous SUbstances, on or in the Property. Borrower shall not do, nor allow anyone e1se to do, anything affecting the Property (a) that 15 m violation of any EnviromnentaI 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 p1eceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recoglllzed to be appropnate to nonnal residential uses and to maintenance of the Property (including, but not lumted to, hazardous substances In consumer products). Borrower shall promptly gIve Lender written notice of (a) any mvestigation. claim, demand, lawsuit or other action by any governmental or regulatory agency or private party mvolvmg the Property and any Hazardous Substance or EIlVlfonmental Law of which Borrower has actual knowledge, (b) any EnVttonmental 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 p1esence, 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 aulhonty, or any pnvate party, that any remoVàl or other remediatJon of any Hazardous Substance affecting the Property 15 necessary, Borrower shall promptly take all necessary remedial actions m accordance with Enviromnental Law. Nothing herein shall create any obligation on Lender for an Enviromnental Cleanup. 8800166494 -8A(WY) (0006),03 I'Ige120115 /7. ~r 8800166494 ",alele: /"': 'J( . v Form 3061 1101 ,,,. 1'1 .,'- A ~fÎ '4 Jr..'.....1 t·_, ., J "...~ '<. I, " ,. ;\..:,. ~ ~;ø, .;~. ~.I . ." ..'1-<'- NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 000694 11. 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 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default¡ (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure tbe default on or before the date specified in the notice may result in acceleratIon of the sums secured by this Security InstJUment and sale of the Property. The notice shall further infonn 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 accderation 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 tbis Security Instrument without further demand and may invoke the power of sale and any other remedies pennitted by AppJicable Law. Lender shall be entitled to collect all expenses InCWTed in pursuing the remedies provided in this Section 12, including, but not limited to, reasonable attorneys' fees and costs of title evidence. H Lender invokes the power of sale, Lender shall give notice of intent to foreclose to BOlTower and to the person in possession of the Property, if different, In accordance with Applicable Law. Lender shall give notIce of the sale to Borrower in the manner provided in Section 15, Lender shall pubDllh the notice of sale, and the Property sballbe sold in the manner prescribed by Applicable Law. Lender or Its de..dgnee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to an expenses of the sale, includin¡:, but not limited to, reasonable attorneys' fees; (b) to aU sums secured by this Security Instrument; and (c) any excess to the penon or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this SecurIty Instrwnent, Lender shaU release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasìng this Security Instrument, but only û the fee is paid to a third party for semces rendered and the charging of the fee is permitted under Applicable Law. 24, Waivers. Borrower releases and waiVes all rights under and by virtue of the homestead exemption laws df Wyoming. -SA(WY) (0006),03 Pag. 13 011 5 'I1Iftl.II:~ 8800166494 8800166494 Form aoli1 1/01 ,......... ,. ls:.:i~·~ t,~~·.i}.',.:,·,r.... BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained m this 000695 Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: ~~ PAUL YAlœm( (Sea]) ·BorroWtlf ~wf~.¡, ¡tt{JÎtd)M~) LINDSEY YARBER -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrowor (Seal) -Borrower (Sea]) -Borrower (Seal) -Borrowor 8800166494 8800166494 ..8A(WY) (0005),03 ~ paVtl4 01 15 Form 8061 1/01 .. ,r.t..~~·" k r ;' ~':~: ~:I I"':~ '\':'''-' "···.I'''''''···S·TATE OF WYOMING, LINCOLN County IS: 000696 The faregoJng instrument was aclmowledged before me this Deoember 08, 2006 by PAUL YAlœER and LINDSEY RAE YARBER N~~hb~ f~ ~ My Conunission BxplIes: O~O =7IL\= UllilnWWyøII*'II 9900166494 e·8A(WY) (00051.03 éI) Pagt16 0115 Inlllal':~ 8800166494 Form 3061 1/01