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Home My WebLink About874563 ,-!p-- RECEIVED LINCOLN COUNTY CLERl< 01 .JUt '3 Pr' 4: I 7 J EA r..'J fd c. i\ -(-., ~. J E" <) ~ I' 'J t. f<" )¡\ r\ KEMMERER VáÖMING 874563 After Recording Return To: GMAC Mortgage Corp. 100 Witmer Road Harsham, PA 19044-0963 ATTN: Capital Markets BOOK 1 f:} ê3 PR PAGE J'7 4 [Space Above This Line For Recording Data] Loan No. 509873303 MIN 1000375-0509873303-6 MORTGAGE DEFINITIONS Words used in mulûple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Secûon 16. (A) "Secuì¡ity Instrument" means this document, which is dated Jul y 9 , 2001 , together with all Riders to this document. (B) "Borrower" is Nick S. Merritt and Debbie Merritt, Husband and Wife Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. WYOMING -- Single Family n Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 (Page 1 of 18) 115535213 IJÚtials: GMACM - CMS.0042.WY (0001) ':)M IV-5M' 346 - ~ "-¡.-v-sjV ;sIB!J!uI (fll fo Z a8vJ) (1000) XM"U'OO'SW;) - W;)VWD ,- " JOlt JSO£ WJO¡{ J.NíIWI11fJSNI W1fOdINI1 "w 0W\>OJdPvW 0¡UUVd -- Á!fUlVd o¡äu¡s -- DNIWOXM . Áµ~dOId ~Ip JO UOpWUO::J IO/PU1~ ~nlEA ~Ip '01 SE SU01SSIIDO 10 'JO SUOPE1U~S~Id~ISIID (Al) 10 ~uopmnu~pUO::J JO n~H Ul ~::JUEÁ~AUO::J (m) ~Áµ~dOId ~Ip JO 1red ÁUE 10 HE JO iJuPIE1 I~IpO 10 uopmnu~pUO::J (n) ~Áµ~dOId ~Ip 'JO UOp::J1lI1S~P 10 '01 ~1JmIIEp W :IOJ (ç UOp::J~S U! p~qp::JS~P S~iJEI~AO::J ~Ip I~pun PIEd sp~~::JOId ~::JuEmSU! 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I~MOII0S: Áq P~1n::>~x~ ~IB 1EIp 1u;:JmnnsuI Á1pn::>~S SlIp 01 SI~Pru HE SUE~m ..S.IapnIlI (n) '1S~I~1U! snld '1u~mnnSUI ÁnIn::>~S SlIp I~pun ~np smns HE pUE '~lON ~Ip1~pun ~np S;)1JImp ~1EI pUE S;:JiJIEq::J 1U;:JmÁEd;:Jld ÁU~ '1S~1;)1U! snld ';)lON ;:JIp Áq p;:J::JU~Pµ;) 1q~p ~Ip SUB;)m IIUßO'}II (Ð) .. . Á1I;:JdoId ;)Ip U! S1qiJru JO I;)JSUEI.L.. iJuWB;)q ;)Ip I;)pUn MOI;)q P;)qp::JS;:Jp S11Etp Áµ;)dOJd ~Ip SUE~m ..ÂµadOldll (j:) 1EO<:: 11 '4sn5nv UEIp I~1EI lOu HtIJ u11q~p ~Ip ÁEd 01 pUE s1u~mÁEd ::JlpoP~d IEln~~I u11q~p Slip ÁEd 01 P;}SIID01d sm:¡: I~A\OlI0S: '1S~I~1Ul snld ( 00 . 00<:: 1 9L 1 $ 'S' Il) SIEIIoa 001/00 pue pa~punH OM~ puesnoq~ x-¡:S Á'4UaAas pa~punH auo I~pu~ï S;)A\O I;)A\OII0S: 1EIp S;:J1E1S ~1O N ~Tf.L· 100 <:: 1 6 Á TnI' P;}1BP pm I;)A\OII0S: Áq p~uiJ!S ;)lOU ÁJOSSIIDOId ;)Ip SUE~m lIa:}0N.. (W H061 Vd 'illeqs~oH 'E96 xog 'O'd 'peo~ ~aill'4-¡:M 001 e-¡:ueA 1Ásuuad JO SA\EI uo-¡: '4 e~ociJ:o;) B s11~pu;:Jï Sl SS;)IPPE s, I~PU~ï ;)Ipl~pun iJupslx~ pUE p;nlUEiJIo uO-¡:'4e~ociJ:o;) a5e5'4~ow ;)VWÐ slll.Iapua'}u «(I) ÇLS rooPt"1 $ fJ{) C.,J..--' (..n".' , - - - ,... .., 5", J ( U~~~74~:Jl)3 (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan, (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U,S,C, §2601 et seq,) and its implementing regulation, Regulation X (24 C,F,R, Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter, As used in this Security Instrument, "RESP A" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA, (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations udder the Note and/or this Security Instrument. 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 performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for 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 [Type of Recording Jurisdiction] of Lincoln [Nanle of Recording Jurisdiction] SEE SCHEDULE "A" ATTACHED HERETO AND MADE A PART HEREOF. which currently has the address of 80425 S US Highway 89, [Street) Afton , Wyoming 83110 ("Property Address"): [City) [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 understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument, WYOMING -- Single Family -- Fannie Mae/Frcddie Mac UNIFORM INSTRUMENT Form 3051 1/01 '"i'\. I ^ . 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ÁµddOId ;:)Ip1EIp pUE Â1I~doId ;JIp ÁdAUO::J pUE 1UEIiJ '~iJEiJ1Iom 011qiJp ~Ip SEq pUE PdÁdAUO::J Áq~I~q ~1E1S~ ~Ip JO P~S1dS ÁIIUJMEI Sl I~MOII0S: 1EIp S.LNYNHAO;) }lHM.mnIOS: lotS ("JIr , (.){) 'C~~"J th.' , "'þ" - - - r- .., 8' J ( U~f7l\.~.Jb3 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 Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due, Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note, Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments, 3. Funds for Escrow Items. 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 attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10, These items are called "Escrow Items," At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees, and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section, Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items, Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time, Any such waiver may only be in writing, In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Fupds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidenc:ing 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 Item, 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, LOAN NO: 509873303 WYOMING -- Single Family -- Fannie Mae/Preddie Mac UNIFORM INSTRUMENT Form 3051 1/01 ~ II . GMACM - CMS,0042,WY (0001) (Pqge 5 of 18) lJÚtials: Af,6;"u, :JðVV\ - ~ . 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PI;Jq spund JO Á::JU;JPY~p E Sl ;JI;JIp n 'S1U::ImÁEd ÁlIpUOID z.:I UEIp ;JIOID ou U! 1nq 'YdSffiI Ip1M ::I::JmpIo::J::JE ul ::IiJE1IOqS ~Ip dn ::I"){lmI 01 Ál1!SS~::J~u 1unoIDE ::lIp I~pU:Y} 01 ÁEd lIEqs I~MOIIOg pUE 'YdSffiI Áq p~llnb~I SE I;JMOIIog ÁJPOU IIEqs l~pU~'l 'y dSffiI I~pun P~uy~P SE 'MOI::JS~ Ul PI~q spund JO ~iJE1IOqS E Sl ~I::IIp 11 'Y dSffiI IplM ~::JUEpIO::J::JE Ul spUtIJ sS~::JX~ ::IIp10J I::IMOIIog 01 1UllO::J::JE IIEqS I::IpU::I'l 'y dSffiI I;)pUn P~uY::Ip SE 'MOI::JS~ ul ppq spund JO snldins E sl ::II~Ip n 'YdSffiI Áq p::lIlnb;u SE spund ~Ip JO iJupuno::J::JE IEnUUE UE '~iJIEq::J 1noIplM 'I~MOIIOg 01 ::IA1iJ HEqS l;JpU:y} 'spund ~Ip uo PlEd ::Iq IIEqS 1S;JI~1Ul 11!Ip 'I::IA::IMOq 'iJuppM U! ;J;JliJE U1!::J I~pU~'l PUE I~MOIIOg 'SPund;JIp uo SiJUlUIE~ 10 1S;JI~1U! ÁUE I;JMOIIOg ÁEd 01 P;JIlfib;JI ;JqlOu IIEqS I~pU;J'l 'Spund ~Ip uo PlEd ~q 01 1S~1~1U! S~Ilnb;JI ME'l ;JIqE::JHddy 10 iJUPPM Ul ::IPlmI sl 1U~ID;J;JIiJE UE sS~]Dn '~iiIEq::J E q::Jns ::I"){lmI 01 I;)PU:y} S1IIDI;Jd ME'l ~IqE::JHddy pUE spund ~Ip uo 1S~I~1U! I~MOIIOg sÁEd I;)PU:y} ss~]Un 'sm~n MOI::JSg: ~Ip iJU!ÁJP~A 10 '1unO::J::JE MOI::JS~ ~Ip iJU!'ZÁlEUE ÁHroUUE 'spund ~Ip iJulÁlddE pUE iJulPIoq IOJ I~MOIIOg ~iJIeq::J lOU HEqs I~pU~'l 'YdSffiI I~pun p~m::J~ds ~mp ;)Ip UEIp I~1EI ou sm~n M01::JSg: ~Ip Á1!d 01 spund ~Ip ÁlddE HEqS I~pU~'l '"){UEg UE0'l ~IDoH IEI;Jp~d ÁUE U! 10 (p;JInSU! OS ~IE SHsod::lp ;JSOqM UOpnmSU! UE S! I~pU;J'l J! 'I~pU;J'l iJuWnpuÜ Án1U~ 10 'Á1HE1U;Jm1lI1SU! 'Á::JU~iJE IEI~P~J E Áq p~InSU! ~IE S11sod::lP ;)SOqM UOpnn1SU! UE U! ppq ;)q HEqS spund ~q1 fil.S r:~' -::; \7 (~¡ ~~ 0 - - - O~j74~jb3 J80 (including deductible levels) and for the periods that Lender requires, What Lender requires pursuant to the preceding sentences can change during the term of the Loan, The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably, Lender may require Borrower to pay, in connecûon with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each ûme remappings or similar changes occur which reasonably might affect such determination or certification, Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood wne determination resulûng from an objecûon by Borrower. If Borrower fails to maintain any of the coverages described above; Lender may obtain insurance coverage, at Lender's opûon and Borrower's expense, Lender is under no obligation to purchase any particular type or amount of coverage, Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained, Any amounts disbillsed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee, Lender shall have the right to hold the policies and renewal certificates, If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices, If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, suchl 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 underlying insurance was required by Lender, shall be applied to restoraûon or repair of the Property, if the restoration or repair is econollÙcally feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's saûsfaction, provided that such inspecûon shall be undertaken promptly, Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed, Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, LOAN NO: 509873303 ~ WYOMING -- Single Family -- Faruue Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 1/:. GMACM - CMS,0042, WY (0001) (Page 7 of 18) IJÚtials: /L ,S·U· - ~ 'H"?"-rv:SIUJ1J1II (8l fo f1 a8vJ) (1000) XM"ZI700'SW;) - W;)YWD /' TOIT TSD£ WJo,¡l .lNíIWI11fJSNI W1JOdINI1""W .'P\>OJdJOvW o¡utIlld n Á¡¡WVd o¡Sn¡S -- DNIWOXM Ul (UOplmIIOJU! IEP~1lmI qHM I~pU~'l ~P!AOld 01 P~IIEJ 10) I~pU~'l 01 S1u~m~1E1S IO UOPlmIIOJU! ~1EIn::J::JEU! 10 'iJU!pE~ISlm '~SIEJ ÁIIEF~1lmI ;JAEiJ 1U~SUO::J 10 ~iJp~IMOU){ S,I~MOII0S: IplM 10 I;JMOIIOS: JO UO!1::J~I!P ~Ip1E äUp::JE S~ppU~ 10 SUOSI~d ÁUE IO I~MOII0S: 'ss~::JOld UOPE::JHdd~ UE0'l ~Ip iJuFnp 'J! HnEJ~p Ul ~q HEqS I~MOII0S: 'UOHID!lddV 1IU0'1 s,.IaM.o.l.log '8 '~snE:J ~IqEUOSE~I q::Jns iJulÁJP~ds uop::J~dsu! IOp~1ul UE q::Jns 01 Iopd 10 JO ~mp ~Ip 1E ;;):Jpou I~MOII0S: ~AliJ IIEqs I~pU~'l 'Á1I~doId ~Ip uo S~U~m~AOIdm! ~Ip JO 10P~~U! ~Ip1::J~dsu! ÁlmI l~pU;J'l ';JSnR::J ~IqEUOSE;JI SEq 1! 11 'Áµ~dOId ~Ip JO suop::J~dSU! pUE uodn S;JF1U~ ~IqEUOSE~I ~)[lmI ÁlmI 1U~iJE S11 10 I;JpU~'l 'UO!1EI01S~I 10 I!Ed~l TpnS JO uop~Idmo::J ~Ip 10J uOPEiJHqo S,I~MOII0S: JO P~A~H~I 10U Sp~MOII0S: 'Á1I;JdOId ~Ip ~I01S~I 10 I1Ed~I 011u~PYJnS lOU ~JE Sp~;J::JOId uopmnu~pUO::J 10 ~::JUEInSul ~Ip 11 'p;;)1~Idmo::J SI )[IOM ~Ip SE S1U;;)mÁEd SS~IiJOld JO S~P~S E U! 10 1U;;)mÁEd ~Im!S E Ul UOpEI01S~I pUE SI1Ed~I ~Ip IOJ sp~~::JOId ~SInqS!P ÁlmI I~pU:Y¡ 's;Jsodmd q::Jns IOJ sp~~::JOId P~SE;JI~I SEq I~pU~'l Jl ÁJUO Á1I~dOId ~Ip iJUF01S~I 10 iJUP1Ed;;)I IOJ ;Jlqlsuods~I ;Jq IIRqS I~MOIIOg 'ÁlI;JdOId ~Ip 'JO iJuPM ~q1 10 '01 ~iJElUEp IplM uOp::J~uuo::J ul PlEd ;;)IE Sp;¡;¡:JoId uopmnu;;)PUO:J 10 ~::JUEInSUl n ';;)iJEmEp 10 UOPEIOF;;)1~P .ì~IpItlJ P!OAE 01 p~iJmmp Jl Á1I~doId ;;)Ip IIEd~I ÁndmOId IIEqs I~MOlI0S: '~¡qlSE;JJ ÁI{l!::JIIDoUO::J~ 1ou: sl UOpE101S~I 10 IIEd;;)I 1EIp ç uOP:'J;;)S 01 1UEnSInd P;;)UIID1~1~P S! 1! sS~JUfl 'uoPIpuo::J S1! 01 ~np ~nIEA U! iJulSE~I::J~P 10 mpEIOp;;)1~P mOIJ ÁlI~dOId ;JIp1U;;)A~Id 01 I~pIO ul Á1I;Jd01d ~Ip U!E1U!lmI HEqS I~MOIIOg 'Áµ~dOld ~Ip ul mW1S;JI S! 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'ÁlI~d;OId ~Ip iJUµ~AO::J S~PHod ;;)::JUEInSUl HE l~pun (I~MOIIog Áq PIEd SIDnIID;¡Id p~UIE~un JO pUtlJ~I ÁUE 01 11{iJp ~Ip UEIp I~IpO) S1l{iJp S,I~MOlIOg JO I~IpO ÁUE (q) pUE '1u~mru1suI Á1pn::J~S Sll{~ 10 ~10N ;¡Ip I~pun pp~dun S1unomE ;¡Ip P;;);;)::JX~ 0110U 1unomE UE U! sp~~::JOId ~::JUEInSUl ÁUE 01 S11{iJp S,l~MOII0S: (E) l~pU~'l 01 suiJ1SSE Áq~I;;)1{ I~MOII08 ';JS1MI~IpO 10 ZZ UOp::J~S I~pun Áµ~dOId ~Ip s~I!nb::JE I~pU:Y¡ J! 10 '1U~M I~Ipl~ UI 'U~A!iJ Sl ;;)::JPOU ;;)Ip U~1{M U!iJ;;)q IHM pop~d ÁEp-OE ~1{1 'mlE]::> ~Ip ~IH~S pUE ;J1EpOiJ~U ÁlmI I~pU;J'l U~Ip 'm!Ep E ~IH~s 01 P~I~JJO SEll I;¡pJR::J ~::JUEInSUl ~Ip1EIp I~pU~'l mOIJ ;;)::Jpou E 01 SÁEp OE ulIplA\ pUOdS~I lOU S;¡OP I~MOII08 n 'SI;;)HlmI P;;)WPI pUE mlEp ~::JUEInSUl ~Iq~nEAE ÁUE ~IH~s pUE ~1EpoiJ~U '~IY ÁlmI I~pU:Y¡ 'ÁlI;;)dOId ;;)Ip SUOpUEqE I~MOlI08 JI 'Z UOp::J~S Ul IOJ P~P1AOId I;;)PIO ~Ip U! P~HddE ;;)q HEl{S Sp;;)~::JOId ;J::JUEInsul 1{::Jns 'I~MOlI08 01 PlEd 'ÁUE Jl 'SS;;)::JX;¡ ;¡IpIplM ';;)np u~IplOU 10 l~Ip~l{M '1U;;)IDllI1SUI Á1pn::>~S SlIp Áq p;JIn::J~S smns ;JIp 01 P~HddE ~q HEl{S sp~~:JoId ;;):'JUEInSUl ~Ip 'P;¡U;¡SS;;)I ;Jq PlnoM Á1pn:J~s S,I~pU:Y¡ 10 ;;)IqlsE~J ÁHE::JIIDOUO::J~ lOU S! I!Ed~I 10 UO!1EI01S~I ;JIp JI 'I~MOIIOg JO uOPEiJHqo ~IOS ~Ip ~q HEl{S pUE sp~~:'JOld ~:'JuunSU! ~Ip JO 1no P!Ed~q lOU IIE1{S I~MOII0S: Áq p;JU!E1~I 'S~pIEd pIllp I~IpO 10 l'Q(> I,) ...J ~~-~~aìt...f~O - - - (jtfi1l\-~jG3 :182 connection with the Loan. Material representaûons 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 condemnation 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 Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property, Lender's actions can include, but are not 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 attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding, Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off, Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so, It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9, Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon noûce from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease, If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance, Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve, Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the LOAN NO: 509873303 WYOMING -- Single Family n Fannie Mae/Preddie Mac UNIFORM INSTRUMENT Form 3051 1/01 ~ JAA GMACM· CMS,0042,WY (0001) (Page 9 of 18) Initials: NS~,¡tA, --1)'"., - 'A~:S(B!1!UI (fll fo Ol a8vJ) (1000) XM'ZI>OO'SW;) - W;)VWD - v - ~ - TO/T TSO£ WJO¡{ lN3WI1<IJSNI W<IOdINI1"'W 0!PPiJdfo.W o¡utIlld -- Á!fUIVd O¡:¡~S -- DNIWOXM 'I~PU;¡'I 01 PlEd ;¡q HEqS pUE 01 P~uiJlsSE Áq~I~q ;¡IE SP;¡;¡:)oId sno~UElp::JsWI1. HY ·a.lß1!a,µojl :spaaJ0.ld suoautJuaJs!W jO ')uawug!ssy ·n ·uo!')tJU!WJa1 JO oO!')tJUaJtœJ qJns jO aw!') aq11tJ paw1r.>uu aJaM ')tJq1 swu!waJd aJutJJnsu¡ a~tJ~µow ÂutJ jO puujaJ tJ aA!aJaJ 0') JO /putJ 'ÂIIIDHtJW01UtJ pa1tJu!wJa1 aJutJJusUI agtJ~µow aq') aAtJq 0') 'aJutJJusUI a~tJgµow aq') jO uOHtJuaJutJJ U!tJ1qo putJ ')saubaJ 01 'saJnsops!p uMJaJ aA!aJaJ 0') 1qgp aq') apupu! ÂtJw S')qg!J asaq.L . MtJl Jaq')o ÂutJ JO 8661 jO PY UO!pa10.ld sJauMoowoH aq') Japuu aJutJJusu¡ a~tJg1JOW aq1 0') padsaJ q1!M - ÂutJ j! - stJq JaMOJJog S')qg!J aq') ')JajjtJ ')00 IHM S')uawaaJgtJ qJns ÂUY (q) 'puujaJ ÂutJ 01 JaMOJJog aHHua ')ou II!M Âaq1 putJ 'aJutJJuSUI agtJgµow JOj aMO II!M JaMo.LIog 1unou!m aq') aStJaJJu! ')OU II!M S')oawaa~tJ qJUS ·utJ0'1 aq1 jO SWJa1 Jaq')o Âtœ JO 'aJutJJusUI agtJ~µow JOj ÂtJd 01 paaJgtJ StJq JaMOJJog ltJq1 S1unoWtJ aql lJajJtJ ')Ou IHM S')uawaaJgtJ qJns ÂUY (tJ) :I;JIpIn¿ .. ';¡::JUEInSUPI ~ApdE::J.. p~mI;¡1 U~UO sy 1u~m~iJuEIIE ~Ip 'I~InSUl ;JIp 01 PlEd smnIID~Id ~lfI JO ~IEqS E IOJ ~iJUEq::JX~ ul ){SlI S,J;¡InSUl ;¡Ip JO ~IEqS E S~){E1 I~pU~'I JO ~1EHYJE m 1ElfI S;¡P1AOId 1u~m~~I~E q::Jns n 's~ssoI ~Upnp;JI 10 '){SlI S,I~Insul ;J~EiJlIom ~Ip iJulÁnpom 10 ~UµEqS IOJ ;¡~UEq::JX~ Ul ';¡::JUEInSUI ;¡~~~1IOW IOJ S1u~mÁEd S,I~MOIIOg JO uoyµod E (SE p;nF~pEIEq::J ~q lqiJIID 10) mOIJ ~AlI~P 1EIp S1unomE (ÁIP~I1PUl 10 Áp::J~llP) ~Ap::J;¡I ÁEm 'iJU10iJ~IOJ ;¡Ip JO ÁUE JO ~1EHYJE ÁUE 10 'ÁlPU~ I~IpO ÁUE 'I~InSUp1 ÁUE 'I~InSUY I~IpOUE '~lON ;¡Ip JO I~SEq:)Ind ÁUE 'I~pU~'I 'S1U~m;¡~IiJE ~S~Ip JO nnS;¡I E sy '(smnIID~Id ~::JUEInSUI ;¡iJEiJ1IOW mOIJ p~U!mqo sputIJ ~pnpul ÁlmI 1I::J111M) ~IqEnEAE ~AEq ÁlmI I;¡InSUl ~iJEiJµom ~q1 1El{1 sputIJ JO ~:)InOS ÁUE iffi!sn S1u~mÁEd ~){lmI 01 I;¡InSU! ;¡iJE~1Iom ~Ip ~Ilnb~I ÁlmI s1u~m~~IiJ~ ;¡S;¡t{J. 's1u~m~~IiJE ~s~Ip 01 (S;¡PIEd 10) ÁµEd I;¡IpO ;¡Ip pUE I~InSUl ;¡iJEiJµom ;JIp 01 ÁIOPEJSPES ~IE 1EIp suoPlpuo::J pUE SUI.I~1 UO ~IE S1U~m;¡~IiJE ~s~qJ. 's~ssoI ~::JUp;JI 10 '){SP IPIp ÁJ1Pom 10 ~IElIS 1El{1S~pIEd I~lfIO IplM SlU~m;J;¡IiJE 01Ul I~1U~ ÁlmI pUE '~mp 01 ;¡mp mOIJ ~::JIOJ ul ~::JuEInsullI::Jns lIE uo )(SP IE101 Il~Ip ~1EnIEA~ SI~InSUl ~iJEiJ1IOW ';¡::JUEInSUI ~~E~µOW ;¡Ip 01 Á1IEd E 10U sl I~MOIIog 'P;¡;¡IiJE SE UE0'I ;¡Ip ÁEd;¡l lOu s~op I;¡MOIIOg Jl In:)ul ÁlmI 11 s~ssoI U1E1I~:) IOJ (~lON ~Ip S;¡sEq:)Ind WlfI Á1pu~ ÁUE 10) I;¡PU;},] S;¡SInqmpI ~::JmIusuI ~~E~1IOW ';¡lON ~Ip U! P~PYAOId ;¡WI ~Ip1E 1S;¡J~1UY ÁEd 01 uOPEiJHqo S,I;JMOIIOg S1::J;¡JjE 01 uOp::J~S sItp ul iJullflON 'ME'] ~yqE::JHddv Áq p;JI!nb~I S! uOPEUIIDI~1 mun 10 UOPEUIIDI~1 q::Jns IOJ iJU!PYAOId I~pU;}'] pUE I~MOIIOg u~~M1~q 1U~m~~IiJE U~npM ÁUE IplM ;¡::JmpJO::J::JE U! SpU;J ;¡::JmInSUI ;JiJEiJ1IOW IOJ 1U~m;JIlnb~I S,I~pU~'I ~lfI mun '~AI;¡S~I ssoI ;¡yqEpUtIJ;J1-UOU E ~P1AOId 01 10 'P~JP ul ~::JUEInSUI ;¡~EiJlIOW U1E1UllmI 01 p~Iynb;¡l smnIID~Id ~Ip ÁEd lIEqs I~MOIIOg ';¡:)UEInSUI ;¡iJEiJlIOW IOJ SmnIID;¡Id ~Ip pIEM01 S1U~UIÁEd P;¡1EUiJ1S~P ÁI;¡1EIEd~s ~)[lmI 01 p;¡llnb~I SEM I;JMOIIOg pUE UE0'I ~Ip iJU1)[lmI JO UOPIpUO::J E SE ;J:)mInSuI ;¡iJEiJUOW p;JI!nb~I J~PU;¡'I n ';¡:JUEInSUI ;JiJEiJUOW IOJ SmnIID;¡Id ;¡Ip p1EM01 S1u~mÁEd P;J1EUiJ1S~P ÁI;J1EIEd~s s;¡Iynb;¡I I;JpU;J'I pUE "P;JU1E1qo Sl '~]qEnEAE S;Jmo::J;Jq ulEiJE I~pU~'I Áq p;Jp;JpS I;JInSUl UE Áq p~pYAOJd (s~Ilnb~I I;JpU;J'I1ElfI poµ;¡d ~Ip IOJ pUE 1unomE E8G r:~,r.~\1~~J~n - - - G t~{;1 C\~~\)3 S84 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 until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly, Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed, Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such 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, Qr 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 parûal taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destrucûon, or loss in value 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 parûal 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 l6ss. 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, LOAN NO: 509873303 WYOMING -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 . I ~ ,} GMACM - CMS,0042,WY (0001) (Page 1f of 18) IJÚtials: tJL"¿·M. ~'\ - ., ~ .VJ/·t;jV :sIBPJUI (8l fo Zl a8vJ) (1000) XM'ZÞOO'SW;) - W;)VWD . TOIT TSO£ WJO¡{ J.NaWiWJSNI W~OdINI1 "w oJPpoJd/OVW o¡utIlld u Á!fUIVd o¡äu¡s .. ÐNIWOXM 'I~pU:r] JO sU¡]lsSE pUE SIOSSa::J::Jns aIp1y~u~q pUE (oz; uop:)as Ul P~P1AOId SE 1d~::Jx~) pUN HEqS 1u~ro1SUI Á1pm~s slIp JO s1u~m~aIiJE pUE S1UEU~AO::J ~q.L 'iJUppM U! aSE~pI q:)ns 01 saaIiJE I~pU~! sS~{Iln 1U~mllI1suI ÁHIn::Jas S!Ip lapun Á1mqEH pU~ suoP~~Hqo S,I~MOlI0S: mOIJ p~sEaI~I ;Jq lOU UEqS I;JMOII0S: '1uamro1suI Á11In::J;JS s!tp I~pun s1yau~q pUE s1qiJp S,I~MOII0S: JO HE ulE1qo HEqS 'I~pU~! Áq p;JAOIddE S! pUE 'iJUPPM U! 1Uam1lI1suI Á1pm;JS S!Ip I~pun suoPEiJHqo S,l~MOII0S: s~mnSSE OqM I~MOII0S: JO 1saI~1UI Ul Iossa::J::JUS ÁUE '81 uOp::J~S JO SU01SµOId aIp 01 P~çqUS '1u~SUO::J s,I~uiJls-o::J ~Ip1noIp1M ~lON ~Ip 10 1u~mro1suI ÁHJn:)~S SlIp JO smI~1 ~Ip 01 preiJ~l IplM SuopEpommo:)::JE ÁUE ~){1mI 10 IEaqIOJ 'ÁJ1Pom 'pu~1xa 01 a~IiJE UE::J IaMOlI0S: IaIpo Á1ÍE pUE I~pU:r] 1EIp S;J~IiJE (::J) pUE ~1uamro1suI ÁHIn:)as S!Ip Áq paIm~s smns ;JIp ÁEd 01 P~1EiJHqò ÁlyroOSI~d 10U S! (q) ~1uamro1suI ÁHIn::Jas SlIp JO smI~1 ;JIp I~pun Á1I;JdoId aIp u11SaI~1U! s,IauiJ!S-o::J ~Ip Á~AUO::J pUE 1UEIiJ 'aiJEiJlIOm 01 Á{Ilo 1U;JlIJ1lI1SUI Á1pm~s S!Ip iJu!lliJ!S-o::J Sl (E) : (..I;JuiJls-o::J \I) ~lON aIp ;J1m;JX~ lOU s~op 1nq 1u~mro1suI Á11Im~s SlIp suiJ!S-o::J OqM I~MOII0S: ÁUE 'IaA~MoH 'IEIaAas pUE 1uloÇ aq IIEqs Á1HNEH pUE suoPE¡]lNO S,I;JMOIIOS: 1EIp S~~I¡]E pUE S1UEUaAO::J I~MOII0S: 'punog sug!SSV putt s.lossaJJns ~s.laug!s-o;) ~ÂnI!qttn 11f.laA<JS putt 'JU!O! '£I 'Ápam~I 10 1qiJp ÁUE JO ~SpI~X~ ~Ip ~pnp~Id 10 JO I~A!EM E ~q 10U HEqS '~np u~Ip1unomE aIp UEIp SS~I S1UnOlIJE Ul 10 I~MOII0S: JO 1S~Ia1uI U! SIOSS~::J::Jns 10 s~ppua 'suOSI~d pI!tp mOIJ S1uamÁEd JO ~::JuE1d;J::J::JE s,Iapu~! 'uoPE1IIDH 1noIplM 'iJulpnpul Áp~m~I 10 1qiJµ ÁUE iJU!SpIaXa Ul I~pU~! Áq ~::JmIE~qIoJ Áuy 'IaMOIIoS: JO 1saI~1uI U! SIOSS~::J:)ns ÁUE 10 I~MOII0S: lEU!iJpo aIp Áq ~p1mI pU1mI~p ÁUE JO UOSE~I Áq 1UalIJ1lI1SUI ÁHJn::Jas Slip Áq paJn:)as smns ~Ip JO UOpEzpIomE ÁJ1Pom ;JS!MI~IpO 10 1u~mÁEd IOJ ~lIJp pU~1xa 01 ~snJaI 01 10 I;JMOIl0S: JO 1S~la1uI ul IOSS~::J::Jns ÁUE 1SUlEiJE siJulP~~::JOId ;J::Juammo::J 01 p~I!nb~I aq lOu HEqS l~pU~! 'IaMoII0S: JO 1S;JI;J1UI U! sIossa::J::Jns ÁUE 10 I~MOII0S: JO Á1HNEH ~Ip aSE~I~I 01 ~1EIado 10U HEqS I~MOII0S: JO 1S~I~1UI U! Iossa::J::JUS ÁUE 10 I~MOII0S: 01 Iapu~! Áq P~1UEIiJ 1u~m1lI1suI Á1µmas slIp Áq p~In::J~s smns ~Ip JO uOp1nplomE JO UO!1E::JYlpOlIJ 10 1uamÁEd 10J ~lIJp ~Ip JO uOlsua1xa: ·.I<JA!UA\ tt 'JON .Iapua! Âg aJuu.luaq.l0.!l ~paSBaI<J~ 'JoN .IaM.o.l.log 'n 'Z; uOlP~S ul IOJ paP1AOJd Iap10 aIp ul paHddE ~q HEqS Á1Iad01d aIp JO I1EdaI 10 UOpEI01S~I 01 P~HddE lOU ~re 1EIp sp~a::JoId sno~uElp::JSU~ HY 'I;JpU;J! 01 PIEd aq HEqS pUE P~uiJlssE Áq;JI~q aIE ÁµadoId ~Ip U! 1S~I~1ul S,I~pU~! JO 1U~mI!Edml ~Ip 01 ~IqE1nqpnE ~re WIp S~iJ1mIEp 10J m!Ep 10 pIEME ÁUE JO sp~~::JOId ;Jq.L '1u~mro1suI ÁHJn::J~S Slip Iapun s1qiJp 10 ÁlI~dOId ~Ip u1 1S~I;J1Ul S,I~pU:r] JO 1u~mI1Edm! IEP~11mI I~IpO 10 Á1I~doId aIp JO ~Jn1PJIOJ sapnp~Id '1u~miJpnç S,I;Jpua! U1 'WIp iJUHllI E Ip!M P~SSIIDSlP ~q 01 iJu!p~a::JoId IO UOp::JE aIp iJulsnE::J Áq '61 uop::Jas U! papµOId SE a1E1Su!~I 'paIlm::Jo SEq UopEI~Ia::J::m J! 'pUE nnEJap E q:)ns ;JIm UE::J IaMOIIoS: '1uamllI1suI Á1pn::J~S slIp lapun s1qíîp 10 Á1ladoId ~Ip U! 1SaIa1U! s,Iapu~! JO 1u~IDI1Edm! IEpa11mI I;JIpO 10 Áµ;JdOId ~Ip JO ~JnH~JIOJ U! nnS~I PIno::J '1U;JmíîpnÇ S,Iapu~! U! 'WIp uniJaq S! 'IEUIID!J::J 10 IµP l~Ip;JqM 'iJU!p;J;J::JOId 10 UOp::JE ÁUE J! nnEJ~p Ul ~q UI~qs I~MOIl0S: Q8S .;r-.. ('\, '-'t J ij.-:) Ct. f... .. J ..~.!f) {.:...oi t .~ '.... , - - - ,., ('" ~,':.'"1i'1 ,t- ¡J,' r} J ..,/ $ t'...) 't.h..JI JS. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees, In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee, Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law, If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that' the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary tQ reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower, Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment 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 will constitute a waiver of any right of action Borrower might have arising out of such overcharge, 15. . Notices. All Notices given by Borrower or Lender in connection with this Security Instrument must be in writing, Any notice to Borrower in connecûon with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise, The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address, If Lender specifies a procedure for repofÛng Borrower's change of address, then Borrower shall only report a change of address through that specified procedure, There may be only one designated notice address under this Security Instrument at anyone time, I Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower, Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any noûce required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdicûon 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 LOAN NO: 509873303 WYOMING n Single Family n Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 ~ ",,, GMACM - CMS,0042.WY (0001) (Page 13 of 18) IJÚtials: N.s,/l-f. Q"'.......... - · \.'JYf"~-¡;¡;y:jfT :s(BP!UI (8l fo Þl a8vJ) (1000) XM"Z;ÞOO'SJ\D - W;)VWD Y 9" - r ,) J' TO/T TSO£ WJO¡{ IN3WI11fJSNI W1fOdINI1 "w 0W\>OJd/OVW O¡utIlld -- ^lfUrVd O¡äu¡S -- DNIWOXM 'I~JSUE1J. 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S~SU~dX;J pU1~ smns 1U;Jm;J1E1SU!~I q::Jns ÁEd I~MOIIOg 1RIp ;JI!nb;:¡I Á1mI l~pUYI 'p~iJuEqJUn :Jnupuo::J HEqS '1u~mru1suI ÁllIn::J;:¡S S!Ip Áq p~In::J~S smns ;JIp ÁEd 01 uOPEiJHqo S,I~MOIIOg pUE '1u~mru1suI Á11In::J;:¡S slIp I;:¡pun S1qiJµ pUE Áµ~dOId ~Ip U11S;:¡I~1Ul S,I~pU~q 1EIp ;:¡InSSR 01 ;:¡Ilnb~I ÁlqæosE~I Á1mI I;:¡PUYI SE UOp::JE q::Jns S~)]E1 (p) pUE ~1U:JmnJ1SUI Á1pn::J;JS SlIp I;:¡pun s1qiJp pUE Á1I;:¡doId ~Ip u11S~I;:¡1ul S,I~pU;:¡l: iJup::J~lOId JO ~sodInd ~Ip 10J P~IIn::Jul s~~J I~IpO pUE 'S;:¡;:¡J UOpmIEA pUE uop::J~dSUl Áµ~dOId 'S~~J ,SÁ;:¡mOnE ;:¡IqæosE:JI '01 P~1IIDH lOU 1nq 'iJuWnpul '1u;:¡mnJ1SUI Á1!InJ;:¡S S!Ip iJU!JIOJU;J u1 p;JIIn::JU! s~SU~dx;J HE sÁEd (::J) ~s1U;:¡m;:¡~IiJE 10 S1UEU~AO::J l;:¡IpO ÁUE JO 1]UEPp ÁUE S~In::J (q) ~p~IInJJO pEq UOPEI;:¡P::J::JE OU J! SE ~lON ;:¡Ip pUE 1u;:¡mnJ1SuI Á1pn::J~S S!Ip I~pUn ~np ~q PlnoM U~Ip q::J1qM smns IIR I~pU;:¡'l sÁEd (E) :l~MOIIOg WIp ~IE SUOlHPUO::J ~soqJ. 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P~II~JSUBl1 S1S~I;:¡1ul IEPy~u;:¡q ~soIp '01 P~1IIDH lOu 1nq 'iJuWnpul 'Áµ;:¡dOId ~Ip U! 1S;}I;:¡1Ul IEpy;m~q 10 IEiJ~I ÁUE SUE~m "Á1I;JdOId ;:¡Ip U! 1S~I~1uI" '81 UO!P~S slq1 ul p~sn sy '.IaMo.uog U! 18a.la1uI 11lpyauag 1l .10 Ãµado.ld aq1 JO .IaJsu~.IJ, '81 : '1u~ru1suI Á1pn::J~S slIp JO pUE ~lON ~Ip JO Ádo::J ;~UO u~AliJ ~q HEq8 I;:¡MOIIOg 'Ãdo;) s,.IaMo.uog 'Ll 'UOp::JE ÁUE ~)]E1 01 U011EiiHqo ÁUE 1noIplM UOp~IJS!P ;:¡IoS s~A1iJ "Á1mI" pIOM ~Ip (::J) pUE ~ESI;JA ~::J!A pUE IEInId ~Ip ~pnpul pUR UE;:¡m TIEqS IElniJulS ~Ip Ul SpIOM (q) ~I~pU~iJ ~UlDIID~J ~Ip JO SpIOM 10 SpIOM 1;:¡1n~u iJU!PUOdS~IIO::J ~pnpu! pUE UE~m HEqs I;:¡pU~iJ ~uHn::JSErn ~Ip JO SpIOM (E) :1u;Jmru1suI ÁllJn::J~S Slip U! p~sn sy 'uolslAOJd iJuP::JWUOJ ;)Ip 1noIp1M p~JJ~ u~AliJ ;)q UE::J q::Jl1[M ;JlON ;)Ip 10 1u~mru1suI Á1pn::J~S Slip JO suolSµOJd l~IpO P;:¡JJE lOU HEqS PWUOJ qJns 'MEl: ;)IqEJHddy Ip!M SPWUOJ ~lON ~Ip 10 1U~IDllI1suI Á1pn::J;JS sFIP JO ~snEp 10 U01S1AOJd ÁUE 1EIp 1U~A~ ;:¡Ip UI 'pEI1UO::J Áq 1u~m~~liJE 1SU!EiJE uomq!qOJd !..8S f~~j«':;'t7¿~~O - - - (] ~:{ 7 4~:Jt_)3 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 enûty (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 requires in connection with a notice of transfer of servicing, If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser, Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such noûce to take corrective action, If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph, The notice of acceIeration and opportunity to cure given to Borrower pursuant to Section 22 and the noûce of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions I of this Section 20, 21. Hazardous Substances. As used in this Secûon 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 toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup, Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property, Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that LOAN NO: 509873303 WYOMING -- Single Family -- Faruue Mae/Freddie Mac UNIFORM JNSTRUMENT Form 3051 1/01 æ J' GMACM - CMS,0042,WY (0001) (Page 15 of 18) Initials: ,S,A.-t... 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'uompuoo IE1U;JWUOI1AUH ÁUE (q) ';J~p;JIMomI IEn1::Jt? SEq I;JMOIJog q::J!qM JO ME'l IE1U~WUOIlAUH 10 a::JUE1sqns snop.œzEH ÁUE pUE Á1IadOId ~Ip iJulAIOAU! ÁpEd ~1t?Apd 10 ÁJU~iJE ÁI01ElniJ~I 10 IE1U~WUI~AOiJ hm Áq UOp::JE I~IpO 10 nnsMEI 'pUlmI~p 'mlEp 'uopEiJps~Aul ÁUE (E) JO aJllOU uanpM I~pU~'l ~AliJ ÁndmOJd HEqS I~MOIJ0S: '(s1::JnpOJd I~umSUO::J Ul sa::Jul11sqns snopnrzEq '01 P~1IIDH 10U 1nq 'iJulpnpul) ÁlI~dOId aIp JO a::Juro~1U!lmI 01 pm sasn IEpUap!S~I IlmIIOU 01 ~1EpdOJddE aq 01 pnlUiJo::J~I ÁHE1~U~iJ ~IE Wtp sa::JuE1sqns SnOpIE'ZEH JO sappUEnb HEUIS JO Áµ;JdOId ~Ip uo ~iJEI01S 10 '~sn ';JJU~S~Id ;JIp 01 ÁlddE lOu HEqS S~JU~1U;JS OM1 ~U!p~::J~Id ;Jq.L 'Á11adOId;Jtp JO ~nIEA ~tp S1::J;JJJE ÁlaSIaApE 6BS cc~~~~t'¿J~O - - - Ur~,74~:íb3 J ~J 0 23. Release. Upon payment of all sums secured by this Security Instrument, 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 permitted under Applicable Law, 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming, BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. .~~ ~ ,err~ , ~-.A~ (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower LOAN NO: 509873303 Witnesses: WYOMING -- Single Family -- Fannie Mae/Freddie Mac UNJPORM INSTRUMENT Form 3051 1/01 GMACM - CMS.0042,WY (0001) (Page 17 of 18) - ~ > W· >)1 "I..... rg¡ þ '1"'J) (1000> ,\M>'...r.,,", > JIOVf\lÐ TOIT TSO£ WJO¡{ ~NíIWI1~~SNI W~OdINI1 "w 0JPpoJd/o.W o¡utIlld -- ^!fUIVd o¡äu¡s -- DNIWOXM ~ zooz · Z Á,nm.:rq<J.[ :saI!dxH uOlssµnmOJ ÁW :J!¡qI\d Á.l1J1ON ~ (j!!lJj!pa¡MOID{:J1J UOSJad) [~- ~ JOIIIIS . II~ ~~J.ON . TNClMAmIHS 44r.:r.:raw arqqaa pue 44r.:r.:raw 'S ~JrN Áq (awp) 100('; '6 ^1n.r slip am ~10pq p~iJpaIA\OmpE SEA\ 1u;JmnI1sul iJuloiJaIoJ ~qJ. 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