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TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the perfonnance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] BLOCK 4 OF THE LINCOLN LINCOLN COUNTY, WYOMING [Name of Recording Jurisdiction] HEIGHTS SUBDIVISION TO THE TOWN OF AS DESCRIBED ON THE OFFICIAL PLAT LOT 3 OF KEMMERER, THEREOF. THIS IS A PURCHASE MONEY SECURITY INSTRUMENT. TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE I' INC., P .0. BOX 5137, DES MOINES, IA 503065137 Parcel ID Number: 17170. 00 1336 LINCOLN HEIGHTS DRIVE KEMMERER ("Property Address"): which currently has the address of [Street] [City] , Wyoming 831.01. [Zip Code] 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 COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, gr~t and convey the Property and that the Property is unencumbered, except for encumbrances of record. aorrower 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 unifonn covenants for national use and non-unifonn covenants with limited variations by jurisdiction to constitute a unifonn security instrument covering real property, , UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall 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 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 I/-'/" /1]- InJtlals~ If ¡z,., O@6IWYI 100051 Page 3 of 15 /~/ / . 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P;}P!A01d '):J;}qJ S,l;)!qS11J 10 )J;)q:J S,1;}JnS11;}11 '):J;}qJ )tæq ')J;}q:J P;}y!µ;}J (:J) ~1;)P10 Á;}UOUI (q) :qs~:J (~) :l;}PU;Y-¡ Áq P;}1:J;};}S S~ 'SUIlOJ ~U!MOIIOJ ;}q1 JO ;}lOUl 10 ;}UO U! ;}P~UI ;)q 1U;}UInl1SUI Á1pm;}s S!q1 pill! ;)10N ;}q1 l;}pUn ;}np S1U;}UIÁed 1u;}nb;)sqns liB 10 Áill! 1Bq1 ;)l!nb;}l ÁBUI l;)PU;)'l 'P!1~dun l;)PU;~1'1 01 P;}WU1;)l S! 1U;)Ulnl1SUI Á1pn:J;)S ÞÞS O~·.~ ~-;t! ¿~~,~ .0 - - - ('I\. \'''':11 I'--L'O- ]c:.f P '-trd'O r4L' J ,) 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 time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9, If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Hem, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA, Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank, Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA, Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreemen~ 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 defined 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 defined 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. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priörity over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items,~e Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrumént unless 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 performing 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. If Lender determines 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 identifying the . -6(WY) (0005) @ Page 5 of 15 InitiaIS:'-~! 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W01J ::I!gl ::I!ON ::Iq1 !R !S::Il::l1U! .œ::lq I~qs s1unoum ::Is::I1lL '1U::IWtU1suI Á1pfi:>::IS S!q1 Áq P::lln:>::IS l::lMOllOg JO N::IP ~UOmppg ::Iwo:>::Iq I~qs ç uOP:>::IS S!q11::lpun l::lPU::Il Áq p::lSlnqS!P s1unoum Áuy ·p::IU!g1qo ::IAgq PIno:> l::lMOllOg 19q1 ::I:nrelnsu! JO 1S0:> ::lIp P::l::l:>X::I ÁnIm:>y!uÍi!S 1qÍi!W P::lU!R1qo OS ::IÍigl::lAO:> ::I:>ImlnSU! ::Iq! JO 1S0:> ::Iq1 1Rq1 s::Iäp::lIMOmpg l::lMOllOg '1:>::I]P U! ÁlsnO!A::Ild SgM Imq1 ::Iägl::lAO:> l::lSS::I1 10 l::l1g::l1ä ::IP!AOld 1qä!w pIm Á1mqg!{ 10 Plg:æq '){S!l ÁIm 1sU!Rl1R 'A'!l::ldOld ::Iq1 JO S!U::I!UO:> ::Iq110 'Á!l::ldOld ::lIp U! Á1!nb::l S,l::lMOllOg 'l::lMOllOg 1:>::I!Dld 10U !qä!w 10 1qä!w !nq 'l::lPU::Il1::lAO:> I~qs ::I~gl::lAO:> q:>ns '::I10]::Il::lq~ '::Iägl::lAO:> JO !UnoUffi 10 ::IdÁ1 .œIfi:>!!lRd ÁIm ::Isgq:>lnd 01 UOpgÍi!{qo OU l::lpUn S! l::lPU::Il '::Isu::Idx::I S,l::lMOllOg pIm uopdo S,l::lPU::Il 19 '::IÍigl::lAO:> ::I:>ImlnSU! U!R1qo ÁRW l::lPU;r¡ '::IAOqR p::lqp:>S::Ip S::Iägl::lAO:> ::Iq1 JO ÁIm U!R1U!RW 01 SI!gJ l::lMOllOg 11 "l::lMOllOg Áq uOP:>::Içqo Im W01] ÍiumnS::Il UOpgU¡uLI::I1::1P ::IUOZ poog ÁIm JO M::I!A::Il ::Iq1 qHM uOP:>::Iuuo:> U! km::l~y !U::Iw::IÍigImW Á:>U::Iäl::lWtI Igl::lP::Id ::Iq1 Áq p::lsodw! S::I::I] Átre JO 1U::IUIÁgd ::Iq1 10J ::Ilq!suodS::Il ::Iq OSIg IIRqs l::lMOllOg 'UOpg:>U!!l::l:> 10 UOpgU!Wl::l1::1P q:>ns !:>::I]]R 1q~!W ÁlqgUOsg::ll q:>!qM In:>:>O s::IÍitreq:> .œnW!S 10 s~u!ddRW::Il ::IUIp q:>g::l S::I~.œq:> 1u::Inb::lsqns pIm S::I:>!Al::lS Uopg:>y!!l::l:> pUR UOpRU¡uLI::I!::Ip ::IUOZ p00[J 10J ::IÍi.œq:> ::IWp-::IUO R (q) 10 ~S::I:>!Al::lS ÍiU!){:>R11 pIm UOPR:>y!!l::l:> 'UOpgU¡uLI::I!::IP ::IUOZ poog 10J ::I~.œq:> ::IWp-::IUO R (g) :l::lqH::I 'tre0l S!q1 q1!M UO!!:>::IUUO:> U! 'Ágd 01 l::lMOllOg ::Il!nb::ll ÁRUI l::lPU;r¡ 'Á¡qgUOSg::llUn P::lS!"l::lX::I ::Iq 10U I~qs !ql1p q:>!qM '::I:>!oq:> S,l::lMOllOg ::IAOlddRS!P 01 1q~p S,l::lPU;r¡ O! 1:>::IÇqns l::lMOllog Áq u::Isoq:> ::Iq I~qs ::I:>trelnSU! ::Iq! äU!P!AOld l::lp.œ:> ::I:>trelnSU! ::Iq~ 'tre0l ::Iq! JO UIl::l! ::Iq1 Íiupnp ::IÍiImq:> tre:> S::I:>U::I!U::IS ÍiU!p::l:>::Ild ::Iq! O! !Imnslnd s::Il!nb::ll l::lPU;r¡ !gqM. "s::Il!nb::ll l::lPU::Il 19q1 spop::ld ::Iq1 10J pIm (SPA::II ::Ilqp:>np::lp äu!pnpu!) s!unoum ::Iq1 U! P::lU!g1U!gUI ::Iq ngqs ::I:>ImlnSU! S!1lL '::I:>ImlnSU! s::Il!nb::ll l::lPU::Il q:>!qM lOj 'spoog pIm s::I){gnbqm::l '01 P::l1!W!{ !DU 1nq 'Íiu!pnpu! SplR:æq l::lq10 ÁIm pIm ,,'::I~Rl::lAO:> P::lPU::I1X::I" UIl::l1 ::Iq! U!qHM p::lpnt:>U! SPlg:æq '::Il!J Áq ssoI 1SU!RÍiR P::llnSU! Á!l::ldOld ::Iq1 UO p::l1:>::Il::l l::l1jR::Il;)q 10 ÍiuPS!X::I MOU S1U::IUI::IAOldw! ::lIp d::l::l){ ngqs l::lMOllOg 'a;>U1unsuI Ãµado.y: ·s 'tre0l S!q1 q1!M uOP:>::IUUO:> U! l::lPU;r¡ Áq p::lsn ::I:>!Al::lS ÍiU!!lOd::ll 10/ptre UOpR:>Yp::lA Xg1 ::I!R1S::I Ig::ll g 10] ::IÍilRq:> ::IWp-::IUO g Ágd O! l::lMOllOg ::Il!nb::ll ÁgW l::lPU::Il 'V UO!!:>::IS S!q! U! ::IAOqR q!lO] !::IS suop:>g ::Iq1]0 ::I10W 10 ::IUO ::I){t1110 U::I!I ::Iq1 ÁJS!1gS l~qs l::lMOllOg 'U::IA!~ S! ::I:>pou !Rq1 q:>!qM uo ::I!gp ::Iq1 JO sÁgp 01 U!qHM. 'U::I!I qþS 00r-'JI f) (:~") _ ...'fJ ,__.J I¡l (...,,-~\,·~1: - - - I. ~, " ,I'~J i'~ ,'.,. af (') '\J~-~ It LftdU ' S 4 '1 the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2, If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters, If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim, The 3D-day period will begin when the notice is given, In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property, Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due, 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property, Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its confIition, 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 damage 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, 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material' information) in connection with the Loan, Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform 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 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 Prpperty 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 limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable _ -6(WY) (00051 @ Page 7 of 15 f-4A 1 */], t1 Initials: .' C / I t /~ Form 3051 1/01 - - - Þ;Þ" ~O/~ ~so£ W,:I ,,' /ill? /' 1,Sle!!!U1 Vi--L/ i/ ·punJa.l ÂUB O~ .I;U\o.uog annua ~OU IIIM Â3q~ pUB '3aUU.lnSUI 38B8µ0Jì\I .IOj 3,\\0 IIIM .I3,\\O.l.lOg ~unOWB 3q~ 3SB3.1aU, ~OU IH,\\ S~U3W33~B qans 'UBO'! 3q~ jO SW.l3~ .I3q~0 ÂUB .10 '3aUB.lnSUI 38B8µ0Jì\I .IOj ÂBd O~ p3;u8B SBq .I3,\\O.l.lOg ~Bq~ s~unOWB aq~ P3JJB ~OU IIIM S~U3W33.18B qans ÂUV (B) :laqµnd lI'a::ltnUnSupl aApd~::I1I pauua! uayo S! !UaUIa~U1W~ aq! 'lamSU! alp o! p!1Jd SUInfUIald alp JO al1Jqs ~ lOJ a~ueq::lxa U! )}SP s,lalnSU! aq! JO a.rnqs ~ sa)}!!! lapua"'} JO a!1JHYJ~ ue !1Jq! sap!Aold !UaUIaal~~ q::lns JI 'sasso¡ ~upnpal lO ')}SP s,lalnSU! a~~~µoUI aq! ~U!ÁJ!POUI lO ~U!.rnqs lOJ a~ueq;Jxa U! 'a::luemsuI a~~~µow lOJ s!uaUIÁ~d s,laMollog JO uo!µod ~ (s~ paZpap~lt1q::l aq !q~fUI lO) UIOlJ aApap !1Jq! s!unouœ (Á¡pal!pU! lO Án::lal!p) aA!a::lal Á~UI '~U!O~aloJ aq! JO Áue JO a!~HYJ~ Áue lO 'Á!!!Ua laq!O Áue 'lamSU!al Áue 'lalnSU! laIpoue 'a!oN aq! JO las~q::llnd Áue 'lapua"'} 'S!UaUIaal~~ asaq! JO Hnsal ~ sy . (SUInfUIald a::luelnsuI a~~~µow UIOlJ pau!~!qo sput1j apnpu! Á~UI q::l!qM) a¡q~n~A~ aA~q Á~UI lalnSU! a~1J~µOUI aq! !~q! sput1j JO a::llnos Áue ~u!sn s!uaUIÁ~d a)}!!UI O! lalnSU! a~~~µoUI aIp al!nbal Á~UI S!UaUIaalSf asallL 'S!UaUIaal~~ asaq! O! (sa!µt1d lO) Á¡I~d laq!O aq! pue lamSU! a~1J~µOUI aq! O! Â.Iop~JsP~s al~ !t1q! suompuo::l pue suua! uo a.rn S!UaUIaal~t1 asallL 'sasso¡ a::lnpallO ')}SP l!aq! ÁJ!POUI lO al1Jqs !t1q! sa!µ~d laq!O q!!M S!UaUIaal~~ O!U! la!Ua Át1UI pue 'aUIp O! aUIp UIOlJ a::lloJ U! a::luemsu! q::lns ¡¡t! uo )}SP 1~!0! lplp a!t1n¡t!Aa SlamSU! a~~~µow 'a::luemsuI a~t1~µow aq! O! Át.rnd ~ !OU S! laMollOg 'paal~~ s~ ue0'1 alp Át1dal !OU saop laMollog J! m::lu! Át1UI H sasso¡ u!t1µa::l lOJ (a!oN aq! sast1q::lmd !~q! Ámua Áue lO) lapua"'} sasmqUI!al a::luemsuI a~~~µow 'a!oN alp U! paP!AOld a!~l aq! !t1 !Sala!U! Á~d O! uOP~~Hqo s,laMOllog s!::IaJJt1 01 uop::las S!lp U! ~U!q!ON 'M~'1 a¡q~::IHddy Áq pal!nbal S! uop~ufUI.Ia! mun lO Uop~u!uua! q::lns lOJ ~U!P!AOld lapua"'} pue laMollog UaaM!aq !UaUIaal~~ uanpM Áue qHM a::lueplO::l::l~ U! spua a::luemsuI a~t1~µow lOJ !UaUIal!nbal s,lapua'1 mun 'aAlaSal SSO¡ a¡q~put1jal-uou ~ ap!AOld O! lO '!::IaJJa U! a::luemsuI a~~~µow U!~!U!~UI O! pal!nbal SUInfUIald aq! Á~d ¡¡t!qs laMollog 'a::luelnsuI a~1J~µow lOJ sUInfUIald aq¡ p.rnMO¡ s!uaUIÁt1d pa!t1u~!sap Á¡a!~.rndas a)}!!UI O! pal!nbal St1M laMollog pue ue0'1 aq! ~Up¡t!UI JO uompuo::l ~ s~ a::luelnsuI a~~~uow pal!nbal lapua'1 J! 'a::luelnsuI a~~~µow lOJ SUInfUIald alp p.rnMO¡ s!uaUIÁ~d pa!~u~!sap Á¡a!~l~das sal!nbal lapua'1 pue 'pau!~¡qo S! 'alq~n~A~ saUIo::laq U!~~~ lapua"'} Áq pa!::Ia¡as lamSU! ue Áq pap!AOld (sal!nbal lapua"'} !t1q! popad aq! lOJ pue !unouœ aq! U!) a~1JlaAO::l a::luemsuI a~t1~uow J! s!uaUIÁt1d aAlaSal SSO¡ al!nbal la~UO¡ ou ue::l lapua"'} 'aAlaSal SSO¡ q::lns uo s~u!u.æa lO !Sala!U! Áue laMollog Át1d O! pal!nbal aq ¡OU n~qs lapua'1 pue 'Ilt1j U! P!~d Á¡a!1mIp¡n S! ue0'1 aq! !t1q! pt1J alp ~U!pue!Slp!M¡OU 'a¡qt1put1jal-uou aq ¡¡t!qs aAlaSal SSO¡ q::lns 'a::luemsuI a~~~µow JO naH U! aAlaSal SSO¡ alqt1put1jal-uou ~ s~ s!uaUIÁ~d asaq! U!~!al pue asn '!da::l::l~ Il!M lapua'1 '!;x}lla U! aq O! pas~a::l a~~laAO::l a::luemsu! aq! uaqM anp alaM !~q! s!uaUIÁ~d pa!~u~!sap Á¡a!~.rndas aq! 10 !unouœ aq! lapua'1 O! Á~d O! anupuo::l ¡¡t!qs laMollog 'a¡q~I!t1A~ ¡ou S! a~1JlaAO::l a::luemsuI a~~~µow !ua¡t!A!nba Á¡¡t!pue!sqns 11 'lapua'1 Áq pa!::Ia¡as lamSU! a~t1~UOUI a!1JwaH~ ue UIoll 'pana U! Á¡SnO!Aald a::luemsuI a~1J~UOW aq! 10 laMollog O! !SO::l aq! O! !ua¡t!A!nba Á¡¡t!pue!sqns !SO::l ~ !~ '!::Iana U! ÁlsnO!Aald a::luelnsuI a~~~µow aq! O! !ua¡t!A!nba Á¡¡t!pue!sqns a~~laAO::J U!~!qo O! pal!nbal SUInfUIald aq! Á~d ¡¡t!qs laMollog 'a::luemsuI a~~~µow lOl SUIn!UIald aq! Pl~MO! s!uaUIÁ~d pa!~u~!sap Á¡a!~.rndas a)}!!UI o¡ pal!nbal S~M laMollog pue a::luemsu! q::lns pap!AOld Á¡SnO!Aald !~q! lamSU! a~~~µoUI aq! UIoll a¡q~n~A~ aq O! sas~a::l lapua'1 Áq pal!nbal aiì~laAo::l a::luelnsuI aiì~iìµow aq! 'uos~al Áue lOl 'J! 'pal];) U! a::luemsuI a~~~uow aq! U!~!U!t1UI O! pal!nbal sUInfUIald aq! Át1d Il~qs laMollog 'ue0'1 aq! iìU!)}!!UI 10 uompuo::l t1 s~ a::luemsuI a~~~µow pal!nbal lapua'11I ·3;JuB.InsuI 38B8µ0Jì\I ·01 '~UmlM U! la~laUI aq! O! saaliì~ lapua'1 ssa¡un a~laUI ¡OU ¡¡t!qs anp aaJ aq! pue p¡oqas~a¡ aq! 'Áuadold aq! O! anp aaJ sal!nb::l~ laMollog 11 'aSt1a¡ aq! 10 SUO!S!AOld aq! ¡¡t! q!!M Á¡dUIO::l l¡t!qs laMollog 'p¡oqas~a¡ ~ uo S! !uaUInJ!suI Á!pmas S!q! JI '!uaUIÁ~d ~upsanbal laMollog O! lapua'1 UIOlJ a::lpou uodn '!Sala!U! q::lns lp!M 'alq~Á~d aq ¡¡t!qs pue !UaUIaslnqS!p JO a!t1p aq! UIOll a!1Jl a¡ON aq¡ !~ !Sala!U! .rnaq Il1Jqs s!unouœ asallL '!uaUInJ!suI Á!pmas S!q! Áq palmas laMollog 10 !qap ¡t!uop!ppt1 aUIO::Jaq Il~qs 6 UO!paS S!q! lapun lapua'1 Áq pasmqs!p s!unouœ Áuy '6 UO!paS S!q! lapun pazpolpn~ SUO!pt1 Il~ lO Áue ~U!)}!!! !OU lOl Á!mqt1H ou SlmU! lapua'1 !~q! paaliJt1 S! !I 'os op O! uOP~~Hqo lO Á!np Áue lapun !OU S! pue os op O! aA~q !OU saop lapua'1 '6 uop::las S!q! lapun UOp::l~ a)}!!! Ã~UI lapua'1 q~noq!¡y 110 lO uo pawn! sammn aAt1q pue 'suoP!pUO::l snola~uep lO SUOP~¡O!A apo::l lalpo lO ~U!pnnq a!~ufUIHa 'sad!d UIoll la!t1M U!t1lp 'SMOPU!M pue SlOOp dn plt10q lO a::lt11dal 'S)}::IO¡ a~ueq::l 'sl!t1dal a)}!!UI O! ÁUadOld aq! ~upa!ua 'o¡ pa!fUIH ¡OU S! !nq 'sapnpu! Áµadold aq! ~upn::las '~u!paa::lold Á::I!dnJ){læq t1 U! uomsod pam::las S!! ~u!pnpu! '!uaUIIU!SUI Á!pn::las S!q! lapun S!qiJp lO/Pue ÁUadOld aq! U! !Sala!U! sH !::Ia!old o¡ saal ,sÁawon~ 91108 aBed (i) (90001 (AMI9-_ 8vs ()o.r~iYl ~~)f\ . "- ,,,....... . !"'...,..,...,,,, - - - 1 o 1':~ ~91 '-1 ~í~) 0 S49 (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender, If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds untî1 Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed, Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds, If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, 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 excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in wllich the fair market value of the Property immediately before the partial taking, destruction, or loss in vàlue is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value, Any balance shall be paid to Borrower, In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by 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 Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of 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 impainnent of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed 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 damages 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. G-6(WYI (0005) @ Page 9 of 15 A 11.-,/1. Initials: c9~L 77 " ("j 161 Form~051 1/01 - - - LOlL LSO£ w1:J þf i7~';~,;1. )7 < :Sle!l!ul E? ï- e./,"7 ' V ¿./ 9 ~ 10 0 ~ aBed (Ï) (90001 (AMI9-. 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(q) :¡u:Jwru¡SUI Á¡pn:>:JS S!q¡ JO StUl:J¡ ;:)q¡ l;:)pun Á:¡J;:)dOld ;:)q¡ U! ¡S;:)l:J¡U! s,l:míJ!S-o:> :Jq¡ Á:JAUO:> ptrn ¡trnlíJ ';:)íJRíJ:¡JOW O¡ ÁIUO ¡u:Jwru¡SUI Á¡!ln:J;:)S S!q¡ äu!uä!s-o:> S! (~) :(..l;:)uä!s-o:>.. ~) ;:)¡ON ;:)tp ;:)¡n:J:JX;:) ¡OU s:Jop ¡nq ¡u:Jwru¡SUI Á¡Pn:J;:)S S!q¡ suä!s-o:> oqA\ l;:)A\OllOg Átrn 'l;:)A;:)A\OH '¡gl:JA:JS ptrn ¡u!of;:)q l¡gqs Á!!Hq~!{ ptrn SUOH~ä!{qo S,l:JA\OllOg ¡~tp S;:):JlíJ~ ptrn S¡trnU;:)AO:> l:JA\OllOg 'punog: su5!ssV pUU s.lOsS;Jaans !s.Iau5!s-o;) !ÂHI!Qun IU.IaAas puu 1U!Of '£1 , ÁP:JW:Jl lO ¡q1ì!l Átrn JO :JSPl;:)X:J ;:)q¡ :Jpnp;:)ld lO JO l;:)A!~A\ ~ :Jq ¡OU n~qs ':Jnp u;:)q¡ ¡unourn ;:)q¡ trnq¡ SS:J¡ s¡unourn U! lO l;:)A\OllOg JO ¡s;:)l;:)¡UI U! Sloss;:):>:>ns lO s;:)!!Hu;:) 'suosl;:)d Pl!q¡ WOlJ S¡u:JwÁ~d JO :J:>trn¡d;}:J:>~ S,l;:)PU;),} 'UOHR¡!lUH ¡noq!!A\ 'íJu!pnpu! ÁP;:)W;:)l lO ¡qä!l Átrn äU!SPl;:)X;:) U! l;:)PU;),} Áq ;:):>trnl~;:)qlOJ ÁUV 'l;:)A\OllOg JO ¡s;:)l;:)¡UI U! 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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. In 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, 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, 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 immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law, If Lender exercises this option, Lender shall give Borrower notice of acceleration, The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower, 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums 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, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to as.sure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender l1).ay require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument 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 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") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law, There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note, If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA .. -6(WY) (00051 @ Page 11 0115 /I '~' /"j '}A 4-;"/~":,.." j InitiaIS:~ /I 1.6) ¡fI.j FIorm 3051 1/01 - - - LOlL LSO£WI~ Þtf~,/ , :sle!I!UI .. , 9110 II s6ed @ (90001 (AMI9-_ 'dmœ;¡;) }111U;¡WUOJ!AU3: lŒ JOJ J;¡PU;¡ì UO uoW~iì!lqo ÁlŒ ;¡1-e;¡J:> ¡}11qs U!;¡J;¡q iìu!q1ON 'Mlq ¡-e1U;¡WUOJ!AU3: q1!M ;¡:>lŒpJo:>:>-e U! 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L'lr~:J~)Ü :153 NON-UNIFORM COVENANTS, Borrower and Lender further covenant and agree as follows: 22. 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 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 hy this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, 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 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescri~ed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrume!1t, Lender shall release this Security Instrument. Borrower shall pay any recordation costs, Lender may charge Borrower a fee for releasing 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, 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. .. -6(WYI (0005) (!> Page 13 of 15 f!4/l' VJ/k Initials: -:' II Q;/~ '!J Form 3051 1/01 - - - WH ~90£ WjG:! 5! ¡o tn aBed @ (5000) (AMI9-. j:!MOJlOg- (IR;)S) j:!MOJlOg- (lt1;)S) j:!MOJlOg- (lt1;)S) j:!MOJlOg- (lt1;)S) j:!MOJlOg- (lt1;)S) j:!MOJlOg- (lt1;)S) j:!MOJlOg- ([R;)S) S~Q XaO'I:Dl ~, 'JP' 1/1<?fP1;41j t! ,0'r-- /, /7 1/ "". ( ,./.1 .... "....... j:!MOJlOg- (lt1;)S) :S;)SS;)U~!A\ 'H q~!¡\\ P;)P10;);)1 put! l;)¡\\OllOH Áq p;)~n;);)X;) l;)PHI Áut! U! put! ~U;)lUru~suI Á~pn;);)s S!q~ U! P;)U!R~UO;) S~ut!U;)^O;) put! SUU;)~ ;)10 O~ S;);)lÍiR put! S~d;););)R l;)¡\\OllOH 'A\Oì3H DNINÐIS AH vss OP'{"'-'-¡ .:9 ~~~f) ,J' ..J ~,.....¡l ." - - - (~:t" ,'t'"-}("J I'll,' 0 .J'] ¡f Itd'l) STATE OF WYOMING, LINCOLN The foregoing instrument was acknowledged before me this JULY 12 I 2001 by JOHN C. GIBBS AND MELODY GIBBS My Commission Expires: 1- \ l-...<..cDt LAURIE McKEE - NOTARY PUBLIC COlM'YOf . STATE OF UNCOlN WYOMING ~ ~ .. -6G(WY) (0005) @ - ,- ~ I JJJ County ss: Page 1 5 of 1 5 #V'271/I' Initials: 11, ,41." ' , orm 3051 1/01 - - 11111111 illllll~ 11111111111111111 ~t ~008) - SIN!:JO:l 3Ð'v'Ðl!:JOIN dlN^ -:77 )y:s1e!¡!UI Z JO l aGed '/ (90l6) nl8g~ !õ6/0I - .lapffi 3U¡JuIm!JI Jdw¡)x:¡¡-xlI.I. ¡)JIIJsmnW VH.!l JO ~«n(p)£ÞI UOP;)~S U! s.æ;}ddR J;}HR! ;}lH ;}J;}qM II;}JOUI JO 1u;};)J;}d Ç611 JOJ p;}1nmsqns ;}q Il-eqs 111U;};)J;}d OOI II 1Rq1 1d;};)x;}) ;}PO;) ;}nU;}A;}'M {l?W;}1UI ;}tn JO (Z)(!) ptm (P)£ÞI UOP;);}S U! P;}p!AOJd s-e IlR 'J;}JStmJ1 JO ;}{l?s ;}q1 JO ;}1RP ;}q1 uo ~U!PU;} pop;}d .æ;}Á-;};}Jq1 ;}q1 JO 1.æd ;Átm ~upnp ;};)U;}P!S;}J {l?dpupd R U! 1S;}J;}1U! d!qSJ;}UMO 1u;}s;}Jd R p-eq s-eq oqM (n) JO ~;}PO;) ;}nU;}A;}'M {l?W;}1UI ;}qqo (Z)C!) ptm (;»£ÞI UOP;);}S U! P;}p!AOJd SR !{l? 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JO q;)ns JO 'J;}PU;}'1 :sMoIloJ s-e UOpRJ;}!;};);)R JOJ spunOJ~ {l?UOP¡ppR ~U!PPR Áq II '1q;}Q JO UOPRJ;}I;};);)V JOJ spunoJÐ" P;}H!1U;} '1u~UInJ1suI ÁHJn;);}S ;}q1 JO 6 qd-eJ~RJRd PU;}Uffi 01 ;};}J~R ptm 1tmU;}AO;) J;}qµtlJ J;}pu;}'] ptm J;}MOlJOg '1U;}WnJ1suI Á1!Jn;);}S ;}q1 U! ;}PRUI S1U;}W;};}J~R ptm S1tmU;}AO;) ;}q1 01 UOP¡ppR uI ·S.LNVN3:AO:J 'IVNOUIG<IV [ss;uPPV ÁU;¡dOld] tOt£8 AM 'H~H~X '~AIHa S~HÐI~H N~O~NI~ 9££t :1-e P;}1R;)0! ptm 1U;}WnJ1suI Á1!Jn;);}S ;}q1 U! P;}q!J;)S;}P Áµ;}doJd ;}q1 ~UP;}AO;) ptm ;}1RP ;}UffiS ;}q1 JO (IIJ;}PU;}'1I1) . ~NI I ~mrÐ~HOH mOH OÐHYã S~~~M 01 (..;}10N..) ;}10N S,J;}MOlJOg ;}In;);}s 01 (..J;}MOJJOglI) P;}U~!sJ;}pun ;}q1 Áq U;}A!~ ;}1-ep ;}UffiS ;}q1 JO (..1U;}WnJ1SUI ÁHJn;);}SII) P;};}Q ÁHJn;);}S JO 1SnJl. JO P;};}Q ';}~R~µOW ;}q1 1U;}UI;}!ddns ptm PU;}Uffi 01 P;}W~;}P ;}q IlRqs ptm 01U! P;}1RJOWO;)U! S! ptm ' tOO Z Ã~llL' JO ÁRp H~ZtS!q1 ;}PRW S! 'MtlQŒ ÐNIJNVNId l.dWtlXtl-XVl. SIHl. ON ~'J _I "H3arn DNI:JNVNId .LdW3X3-XV.L ~) S S o ( r-' ,.,b._~tr¿so ££ZO-Hã~~ LSSSSL8 - - - G5'ï . '~, ,~~1 i'1 c~~~O Ü(':~ I '-it·""" . (iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(e) and (i)(2) of the Internal Revenue Code; or (iv) Who has a gross family income in excess of the applicable median family income as provided in' Section 143(t) and (i)(2) of the Internal Revenue Code; or (b) Borrower fails to occupy the Property described in the Security Instrument without prior written consent of Lender or its successors or assigns described at the beginning of this Tax-Exempt Financing Rider, or (c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended and in effect on the date of issuance of bonds, the proceeds of which will be used to finance the purchase of the Security Instrument and are deemed to include the implementing regulations, BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenan~s contained in this Tax-Exempt Financing Rider. ' (Seal) (Seal) -Borrower -Borrower (Seal) , (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower G-587U (9705) Page 2 of 2 (!) - - -