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HomeMy WebLinkAbout930478 6010715281 OOß~05 .?fl' WHEN RECORDED, MAIL TO: Banl< of Jacl<son Hole Post Office Box 7000 Jacl<son, WYOMING 83002 Tlùs Instrument was prepared by: Banl< of Jackson Hole Post Office Box 7000 Jackson, WYOMING 83002 307-732-3050 Loan Number: 160698892 Order Number: 6010715281 RECEIVED 6/18/2007 at 4:17 PM RECEIVING # 930478 BOOK: 662 PAGE: 605 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY (Space Above This Line For Recording Data) MORTGAGE MIN: 100015700080730688 DEFINITIONS _"l Words used in multiple sections of tIùs document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Cert,ùn rules regarding !he usage of words used in tIus document are also provided in Section 16. (A) "SecUlity Instl1Jment" means tI~id~g1~St which is dated June 15,2007, together with all Riders to tlus document. (B) "Bo....ower" is Doug R.'\smussen an~R.'\smussen, husb¡md and wife. Borrower is tIle mortgagor under tlus Security Instrument. (C) "MERS" is M0I1gage Electronic Registrution 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 m0l1gagee under this Security Instnllnent. MERS is orgmuzed 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. (D) "Lender" is Banl< of Jucl<son Hole, organized and existing under the laws of Wyoming. Lender's address is Post Office Box 7000, Jacl<son, WYOMING 83002. (E) "Note" means tIle pronùssory note signed by Borrower and dated June 15, 2007. The Note states that Borrower owes Lender TWO HUNDRED THIRTY-ONE THOUSAND TWO HUNDRED and no/100 Dollars (U.S. $231,200.00) plus interest. Borrower has pronùsed to pay this debt in regular Periodic Payments and to pay tIle debt in full not later than July 1,2037. (F) "PmpeJ1y" means tile property that is described below under the heading "Transfer of Rights in tIle Property." (G) "Loun" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under tIns Security Instmment, plus interest. (II) "Riders" mem1S all Riders to tlus Security Instmment tIlit are executed by Borrower. The following Riders are to be executed by Borrower (check box as applicable): D Adjustable Rate Rider D Balloon Rider D 1-4 Fanùly Rider D Otller (SpecifY) - (I) "Applicable Law" mem1S all controlling applicable federal, state and local statutes, regulations, ordinances and administrative mles and orders (that llive the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and otller charges that are imposed on Borrower or the Property by a condonùnium association, homeowners association or similar orgmuzation. (I() "Elect.-onic Funds Tnmst"er" me811S ,my transfer of funds, olller than a tnmsaction originated by check, draft, or similar paper instmment, wluch is initiated tIrrough an electronic temunal, telephonic instrument, computer, or magnetic tape so as to order, instmct, or authorize a financial institution to debit or credit an account. Such tenn includes, but is not linnted to, point-of-sale transfers, automated teller machine transactiOl1S, transfers initiated by telephone, wire transfers, and automated clearinghouse tr,msfers. (L) "Escrow Items" means tl10se items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any tIurd party (other than insurance proceeds paid under tIle coverages described in Section 5) for: (i) damage to, or destmction of, tIle Property; (ii) condemnation or otIler taking of all or any part of tIle Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, tile value and/or condition of tile Property. D D D CondOlninium Rider Planned Unit Development Rider Biweekly Payment Rider D D Second Home Rider VA Rider ......' IDS, Ine, . (800) 554-1872 Borrower(s) Initials Form 3051 1/01 tJ(L &- WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Page1of9 (N) "M V1",:w,~~,-)L\:8. . L d ~-- tI f d ~ 1 I L 0'" 0.,', (),)~"",o, 6 OIigage nsurance means msurance protecting en er agamst le nonpayment 0, or elau ton, tle oan. . (0) "Peliodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ü) any anlounts under Section 3 of tI1.is Security Instrument. (P) "RESP A" 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 tIley n1.ight be anlended from time to time, or any additional or successor legislation or regulation tI13t governs tIle same subject matter. As used in tIns Security Instmment, "RESP A" refers to all requirements and restrictions 1113t are imposed in regard to a "federally related mortgage loan" even if the Loan does not quali(v as a "federally related mortgage loan" under RESP A. (Q) "Successor in Interest of Borrower" means any party 1113t has taken title to 11le Property, whether or not that party has assumed Borrower's obligations under the Note and/or tIns Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY TIns Security Instrument secures to Lender: (i) tlle repayment of the Loan, and all renew~ùs, ex1ensions and modifications ofthe Note; and (ii) the performance of Borrower's covenants mld agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant ~md convey to MERS (solely as non1.inee for Lender mId Lender's successors and assigns) and to the successors mId assigns of MERS, with power of sale, the following described property located in the County of Lincoln: Lot 78 of Star Valley Ranch Plat 15, Lincoln County, Wyoming as descaibed on the of1ïcal plat filed on September 27,1978 as instrument No. 544466 of the records of the Lincoln County Clerl<. Parcel ill Number: 12-3518-19-3-03-029.00 which currently I13S the address of: 35 Sl1owforest Daive Thayne, WYOMING 83127 ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on tile property, and all easements, appurtenances, and fixtures now or hereafter a part of tile property. All replacements mId additions shall also be covered by tl1.is Security Instrument. All of the foregoing is referred to in tins Security Instmment as tile "Property." Borrower understmlds and agrees that MERS holds only legal titIe to the interests granted by Borrower in tins Security Instrument, but, if necessary to comply witlllaw or custom, MERS (as nominee for Lender and Lender's successors mld assigns) 113S the right: to exercise m1Y 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 tIùs Security Instrument. BORROWER COVENANTS 11latBorrower is lawfully seized of the estate hereby conveyed and has 11le right to mortgage, grant mld convey the Property and tI13t the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demmlds, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines unifonn covenmlts for national use and non-unifornl covenmlts with limited variations by jurisdiction to constitute a unifornl security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of PlincilHll, Interest, Escrow Items, PI'el>ayment Charges, and Late Charges, Borrower shall pay when due the principal of, and interest on, 11le debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursumlt to Section 3. Payments due under the Note and tIns Security Instrument shall be made in U.S. currency. However, if any check or other instnllnent received by Lender as payment under the Note or tlùs Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and tins Security Instrument be made in one or more of tIle following fonns, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or caslner's check, provided any such check is drawn upon ml institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Trmlsfer. Payments are deemed received by Lender when received at the location designated in tile Note or at such otIler location as n13Y be designated by Lender in accordance Witll the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment inslÚficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in tile future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Peri odic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender n13Y hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so wit1nn a reasonable period of time, Lender shall eitller apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under Ole Note irrrrnediately prior to foreclosure. No offset or claim wInch Borrower might have now or in tile future against Lender sl13ll relieve Borrowerfrom making payments due under tlle Note and tl1.is Security Instrument or perfonning tile covenants and agreements secured by tlùs Security Instnlment. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority : (a) interest due under Ùle Note; (b) principal due under Ole Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it becmne due. Any remaitùng amounts shall be applied first to late c113rges, second to any other amounts due under 11ns Security Instrument, and then to reduce tile principal balance of Ole Note. IDS, Ine, - (800) 554·1872 Borrower(s) Initials Form 3051 1/01 Nrz-£/£ WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Page 2 of 9 O~~.30478 OO(!,4)07 If Lender receives a payment from Borrower for a delinquent Periodic Payment wlùch includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment illld the late charge. If more than one Periodic Payment is outstanding, Lender may apply illlY payment received from Borrower to the repnyment ofthe Periodic Payments if, and to the extent thnt, each payment can be paid in full. To the extent that illlY excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to illlY 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: (n) taxes and assessments and other items wlùch can attain priority over tlùs Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if illlY; (c) prenùums for illlY and all insurance required by Lender under Section 5; and (d) Mortgage II1Surilllce premiums, ifany, or any sums payable by Borrower to Lender in lieu of tlle payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Iten1S." At origination or at illlY time during tlle tenn of the LOilll, Lender may require tllat Community Association Dues, Fees, and Assessments, if illlY, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly fllnùsh to Lender all notices of amounts to be paid under tlùs Section. Borrower shall pay Lender the Funds for Escrow Items mùess Lender waives Borrower's obligation to pay tlle Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items nt any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, Ùle amounts due for illlY Escrow Items for which payment of Funds has been waived by Lender illld, if Lender requires, shall funùsh to Lender receipts evidencing such payment wiÙùn such time period as Lender may require. Borrower's obligation to make such payments émd 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 wéùver, and Borrower fails to pny the nmount due for nn Escrow Item, Lender may exercise its rights under Section 9 and pay such nmount and Borrower shall Ùlen be obligated under Section 9 to repay to Lender any such amount. Lender may revoke Ùle waiver as to any or all Escrow Items at any time by a notice given in accordance Wiùl Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, illld in such illnounts, Ùlat are then required under tIùs 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 RESP A, and (b) not to exceed the ma;'{imum amount a lender can require under RESP A. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of e;\."}Jenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institLItion 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 Billlk. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds, illmually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law pemùts Lender to make such a charge. Utùess an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or eanùngs on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, WitllOut charge, an a.IUmal accounting of the Funds as required by RESP A. IftIlere is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESP A. Ifthere is a shortage of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender tIle amount necessary to make up the shortage in accordance with RESP A, 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 RESP A, illld Borrower shall pay to Lender Ùle amount necessary to make up the deficie HCY in accordance with RESP A, but in no more thillll2 montlùy payments. . Upon payment in full of all sun1S secured by this Security h1Strument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositi011S attributable to the Property wlùch can attain priority over tlùs Security Instrument, leasehold payments or ground rents on tlle Property, if any, and Conmmnity Association Dues, Fees, and Assessments, if illlY. To tlle extent tllat these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge illlY lien w lùch has priority over tlùs Security h1Strument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a Irullliler acceptable to Lender, but O1Ùy so long as Borrower is perfoffiÙng such agreement; (b) contests Ùle lien in good ÍéÙtll by, or defends against enforcement of the lien in, legal proceedings wlùch in Lender's opinion operate to prevent tlle enforcement of the lien wlùle those proceedings are pending, but O1Ùy until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien 10 t1ùs Security Instrument. If Lender determines that any part of the Property is subject to a lien wlùch can attain priority over tlùs Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days ofthe date on wlùch that notice is given, Borrower shall satisfy the lien or talœ one or more of the actions set forth above in tIùs Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting seIVice used by Lender in connection with tlùs Loan. 5. Prope11y Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the tenn "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for wlùch Lender requires lllsurilllce. Tlùs insurilllce shall be maintained in the amounts (including deductible levels) and for the IDS, Inc. - (800) 554-1872 Fonn 3051 1/01 Borrower(s) Initials rJ (2 þ¿ WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Page 3 of 9 0930(-- G08 penods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the terrn of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, wlùch right shall not be exercised unreasonably. Lender may require Borrower to pay, in cOlmection with llùs Loan, either: (a) a one-time charge for flood zone detemùnation, certification and tmcking services; or (b) a one-time charge for flood zone determination and certification seIVices and subsequent charges each time remappings or sinùlar 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 zone detemùnation resulting from an objection by Borrower. If Borrower fails to maintain any ofthe coverages described above, Lender may obtain insumnce 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 co ntents of the Property, against any risk, hazard or liability and nùght provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost ofthe insurance coverage so obtained nùght significantly excced the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under tlùs Section 5 shall become additional debt of Borrower secured by tlùs Security Instrument. These amounts shall bear interest at the Note rate from tllC 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 tlle policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid prenùums and renewal notices. If Borrower obtains any fonn of insurance coverage, not otllerwise required by Lender, for damage to, or destmction 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 tlle event of loss, Borrower shall give prompt notice to tlle insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otllerwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of tlle Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had ml opportmùty to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided tl13t such inspection shall be undertaken promptly. Lender may disburse proceeds for tlle repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other tlùrd parties, retained by Borrower shall not be paid out of the insurance proceeds éUld shall be the sole obligation of Borrower. If tlle restoration or repair is not econonùcally feasible or Lender's security would be lessened, tlle insurance proceeds shall be applied to the sums secured by tIús Security lnstmment, whetller or not then due, Witll tlle excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons tlle Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond witlùn 30 days to a notice from Lender that the insurance carrier has offered to settle a cIéúm, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In eitller 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 anlounts unpaid under the Note or tIùs Security Instrument, and (b) any other of Borrower's rights (other thml the right to any refund ofuneamed prenùums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to tlle coverage of tlle Property. Lender may use tIle insurance proceeds eitller to repair or restore tlle Property orto pay amounts unpaid under the Note or tIùs Security Instrument, whether or not then due. G. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence witlùn60 days after the executionoftlús Security Instrument and shall continue to occupy tlle Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, wlùch consent shall not be unreasonably witlùleld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintemmce and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow tlle Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in tIle Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not econonùcally feasible, Borrower shall promptly repair the Property if dmnaged to avoid further deterioration or damage. If insurance or condenmation proceeds are péúd in connection with damage to, or tlle 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 condemnation proceeds are not slúficient to repair or restore tlle 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 tlle Property. If it has reasonable cause, Lender may inspect the interior of the improvements on tlle Property. Lender shall give Borrower notice at tlle time of or prior to such an interior inspection specifying such reasonable cause. 8. Bonower's Loan Application. Borrower shall be in default if, during tlle Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially f;ùse, ITÚsleading, or inaccurate Ì1úorrnation or statements to Lender (or failed to provide Lender Witll material infoIDlation) in cOlmection with tlle Loan. Material representations include, but are not liITÚted to, representations concerning Borrower's occupancy oftlle Property as Borrower's principal residence. IDS, Ine, - (BOD) 554·1B72 Borrower(s) Initials Form 3051.~ ÁJ!2- ß , WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Page 4 of 9 t~J30~78 OOn~09 9. Protection of Lender's Interest in the PrOI)e11y and Rights Under this Seculity InstJ1lment. If (a) Borrower fails to perfonn the covenants and agreements contained in tlús Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under tlús Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien wlùch 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 tlùs 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 w lùch has priority over tlús Security Instrument; (b) appeari ng in court; and (c) paying reasonable attorneys' fees to protect its interest in tlle Property and/or rights under tlùs 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 otller code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under tlùs Section 9, Lender does not have to do so and is not under any duty or obligation to do so. lt is agreed that Lender incurs no liability for not taking any or all actions authorized under tlùs Section 9. Any amounts disbursed by Lender under this Section 9 sh~ùl become additional debt of Borrower secured by tlùs 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. If tlús Security Instrument is on a leasehold, Borrower shall comply Witll all tlle provisions of the lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or tenninate or cancel tlle ground lease. Borrower shall not, without the express written consent of Lender, alter or amend tlle ground lease. If Borrower acquires fee title to tlle Property, tlle leasehold and tlle fee titIe sh~ùl not merge unless Lender agrees to the merger in writing. 10. M0l1gage Insurance. If Lender required Mortgage Insurance as a condition of making tlle Loan, Borrower shall pay tIle 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 tIle mortgage insurer tlmt previously provided such insurance and Borrower was required to malœ separately designated payments toward the prenùlID1S for Mortgage Insurance, Borrower slmIl pay tIle prenùums required to obtain coverage substantially equivalent to the Mortgage It1Surance 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 ofthe separately designated payments that were due when tIle insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-ref1mdable loss reserve in lieu of Mortgage h1Surance. Such loss reserve shall be non-refundable, notwithstanding tlle fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or eanùngs on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and fortlle period tIlat Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiun1S for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of malling the Loan and Borrower was required to make separately designated payments toward tlle prenùun1S for Mortgage Insurance, Borrower slmll pay tIle prenùums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage h1Surance ends in accordance with any written agreement between Borrower and Lender providing for such tennination or until ternùnation is required by Applicable Law. NotIúng in tIús Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity tlmt purchases tIle Note) for cert~ún losses it nmy incur if Borrower does not repay tIle Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such il1SuréUlce in force from time to time, and may enter into agreements with oUler parties tIlat share or modify tIleir risk, or reduce losses. These agreements are on terms and conditiol1S that are satisfactory to the mortgage insurer and tIle otIlerparty (or parties) to these agreenlents. These agreements may require Ule mortgage insurer to make payments using any source of flmds tllat the mortgage insurer nmy have available (wlúch may include funds obtained from Mortgage Insurance prenùums). As a result of tIlese agreements, Lender, any purchaser of tIle Note, anotIler insurer, any rei nsurer, any otIler entity, or éU1Y affiliate of éUlY of the foregoing, may receive (directIy orindirectly) amounts tImt derive from (or Might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying tlle mortgage Ìl1Surer's risk, or reducing losses. If such agreement provides tImt an aff1liate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to tIle insurer, the arrangement is often tenned "captive reinsurance." Further: (a) Any such agreements will not afIect the amounts that Borrower has agl'Ced to pay for M0l1gage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for M0l1gage Insurance, :md they wm not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the M0l1gage Insurance under the Homeowners Pmtection Act of 1998 or any other law. These lights may include the light to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance. To have the Mortgage Insurance tenninated automatically, and/or to receive a refund of an)' Mortgage Insurance premiums that were uneamed at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; FOIfeiture. All Miscellaneous Proceeds are hereby assigned to and slmll be paid to Lender. If tIle Property is dan1aged, such Miscellaneous Proceeds shall be applied to restoration or repairofthe Property, if the restoration or repair is econonùcally 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 Ims had an opportunity to inspect such Property to ensure the work lms been completed to Lender's satisfaction, provided Hmt such inspection shall be undertaken promptly. Lender may pay for tIle repairs and restoration in a single disbursement or in a series of progress payments as tIle work is completed. Unless an agreement is made in writing or IDS, Inc, - (600) 554·1672 Form 3051 1/01 Borrower(s} Initials tJ (L.... c;/'¿ WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Page 5 of 9 O( ..- - ---8 .J,,: ¡ nil'" A'4. o. ';'1 ~¡I..JL ' Applicable Law reqlÙres 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 tlús 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, destmction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by tIús Security Instrument, whether or not then due, with tIle excess, if any, paid to Borrower. In the event of a partial taking, destmction, or loss in value of the Property in wlúch the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the anlOunt ofthe sums secured by tIùs Security Instrument immediately before tile partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by tIùs Security Instmment shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) tile total amount ofthe sums secured immediately before tile partial taking, destmction, or loss in value divided by (b) tIle 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 taldng, destruction, or loss in value of the Property in wIúch the fair market value of tIle Property inm1ediately before the partialtaldng, destmction, or loss in value is less tI1:1n tile amount of tile sums secured immediately before tile partial taking, destruction, or loss in value, unless Borrower and Lender otIlenvise agree in writing, tile Miscellaneous Proceeds shall be applied to tile sums secured by tIùs Security Instmment whether or not the sums are then due. If tile Property is abandoned by Borrower, or if, after notice by Lender to Borrower tIlat the Opposing Party (as defined in tile next sentence) offers to make an award to settle a claim for danlages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is autIlOrized to collect ,md apply the Miscellaneous Proceeds eitIler to restoration or repair of the Property or to the sums secured by tIùs Security Instmmcnt, whether or not thcn 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 Miscellancous Proceeds. Borrower sl1:111 be in default if any action or proceeding, whether civil or crinùnaJ, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impainnent of Lender's interest in Ùle Property or rights under tlùs Security Instmment. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing tile action or proceeding to bedisnússed with a mling that, in Lender's judgmcnt, precludes forfeiture of the Property or other material impainnent of Lender's interest in tIle Property or rights under tIùs Security Instrument. The proceeds of any award or claim for damages that are attributable to tile impainnent of Lender's interest in tile Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property sl1:111 be applied in tile order provided forin Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of tile sums secured by tIùs Security Instmment 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 COlmnence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of tile sums secured by tlùs Security Instrument by reason of any den1:1nd made by the origi11:11 Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from tIùrd persons, entities or Successors in Interest of Borrower or in amounts less tImn the amount tIlen due, shall not be a waiver of or preclude tile exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs tlùs Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing tills Security Instmment only to mortgage, grant and convey the co-signer's interest in the Property under the tenns oftIùs Security Instmment; (b) is not personally obligated to pay tIle sums secured by tIùs Security Instmment; and (c) agrees that Lender and any other Borrower can agree to ehiend, modify, forbear or make any accommodations with regard to the tenns of tIùs Security Instnmlent or the Note WitIlout the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under tlùs Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under tIùs Security Instnllnent. Borrower shall not be released from Borrower's obligations and liability under tlùs Security Instnuncnt unless Lender agrees to such release in writing. The covenants and agreements of tlùs Security Instnlment shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. ! 14. Loan Charges, Lender may charge Borrower fees for selVices perfonned in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under tlùs Security Instrument, including, but not limited to, attomeys' fees, property inspection and valuation fees. In regard to any otIler fees, tIle absence of express autllority in tIùs Security Instmment to charge a specific fee to Borrower shall not be construed as a prolùbition on the charging of such fee. Lender may not charge fees that are expressly prolùbited by tlùs Security Instrument or by Applicable Law. If the Loan is subject to a law wlùch sets maximum loan charges, and tlmt law is finally interpreted so that tile interest or otller loan charges collected or to be collected in cOlmection with the Loan exceed the pemùtted linùts, tIlen: (a) any such loan charge shall be reduced by the amount necessary to reduce Ùle charge to the pemùtted limit; and (b) any sums already collected from Borrower wlùch exceeded pemùtted limits will be refl1nded to Borrower. Lender may choose to make t1ùs 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 clmrge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower ""ill constitute a waiver of any right of action Borrower nùght have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with t1ùs Security Instmment must be in writing. Any notice to Borrower in connection with tlùs Security Instrument shall be deemed to have been given to Borrower when nmiled by first class mail or WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Page 6 of 9 IDS, Inc. - (800) 554-1872 Borrower(s) Initials Form 3051 1/01 fJ(L-£/~ 0930478 OOnG1~ when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers uÌùess Applicable Law expressly requires othelWisé. The notice address shall b'e the Property Address UIùess 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 reporting Borrower's change of address, tilen Borrower shall only report a change of address through that specified procedure. There may be Olùy one designated notice address under tIns Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in cOlmection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by tlús Security Instrument is also required under Applicable Law, tlle Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16, Governing Law; Severability; Rules of COllstl1lction, Tlús Security Instrument shall be govemed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in tiris Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitIy or implicitly allow tile parties to agree by contract or it núght be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause oftlús Security Instrument or the Note conflicts Witil Applicable Law, such conflict shall not affect other provisions of tlns Security Instrument or the Note wlúch can be given effect Witllout tIle conflicting provisiOlL As used in tIns 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 tlle plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to talœ any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note mId of tIns Security Instrument. 18. Transfer of the Property 01' a Beneficial Interest'in Borrower. As used in tIús Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not linúted to, tIlose beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, tIle 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 Illay require immediate payment in full of all sums secured by tIris Security Instmment. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises tins option, Lender sl1éùl give Borrower notice of acceleration. The notice slmll provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 witInn which Borrower must pay all sums secured by tlns Security Instrument. If Borrower fails to pay these sums prior to tile expiration of tIús period, Lender may invoke any remedies pennitted by tlús Security Instrument without further notice or demand on Borrower. 19. Borrowel"s Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of tIús Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of tIle Property pursuant to any power of sale contained in tIús Security Instrument; (b) such other period as Applicable Law might specify for the tennination of Borrower's right to reinstate; or (c) entIy of a judgment elúorcing tIns Security Instrument. Those conditions are tlmt Borrower: (a) pays Lender all SUIllS which then would be due under tIns 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 enforci ng tIns Security Instrument, including, but not limited to, reasonable attomeys' fees, property inspection and valuation fees, and otller fees incurred for the purpose of protecting Lender's interest in tile Property and rights under tIns Security Instrument; and (d) takes such action as Lender may reasonably require to assure tImt Lender's interest in the Property and rights under tIús Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that B orrower 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, bmlk check, treasurer's check or caslner's check, provided any such check is drawn upon an institution whose deposits are insured by a feder~ù agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, tIris Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, tlús right to reinstate shall not apply in tIle case of acceleration under Section 18. 20. Sale of Notc; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in tIle Note (together Witll tIns Security Instrument) cml be sold one or more times WÌtllOut prior notice to Borrower. A sale nright result in a clmnge in the entity (known as the "Loml SeIvicer") tIlat collects Periodic Payments due under tlle Note mId tIns Security Instrument and performs other mortgage loan seIVicing obligations under tIle Note, tIús Security Instmment, and Applicable Law. There also might be one or more changes ofthe Loan SeIVicerunrelated to a s~ùe oftlle Note. Iftllere is a clml1ge ofthe Loan Selvicer, Borrower will be given written notice oftlle clmnge wInch will state the nmne and address oftlle new Loan SeIVicer, the address to wlúch p<lyments should be made éUld any otIler infonnation RESP A requires in cormection with a notice oftransfer of seIVicing. Iflhe Note is sold and thereafter the Loan is seIViced by a Loan SeIVicer otller tlmn tIle purchaser ofthe Note, the mortgage loan servicing obligations to Borrower will remain with the Loan SelVicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless othelWise provided by the Note purchaser. Neither Borrower nor Lender nmy conunence, join, or be joined to any judicial action (as either ml individual litigant or the member of a class) tllat arises from the other party's actions pursuant to this Security Instmment or tilat alleges tllat tile other party Ims breached any provision of, or any duty owed by reason of, tlns Security Instrument, until such Borrower or Lender has notified the other party (Witll such notice given in compliance with tIle requirements of Section 15) of such alleged breach and afforded tIle otllerparty hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period wlúch must elapse before certain action can be taken, tImt time period will be deemed to be reasonable for purposes of this paragraph. TIle notice of acceleration and opportmúty to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrowerpursllant to Section 18 shall be deemed to satisfy tlle notice and opportunity to take corrective action provisions of tlris Section 20. WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Page 7 of9 IDS, lnG, - (800) 554-1872 Form 3051 1/01 Borrower(s) Initials rJ fl-- ~ ( -'1478 - )O~:12 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" arc those substances defined as toxic or hazardous substances, pollutants, or wastes by EnvirOlID1ental 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) "Envirorunental Law" means federal laws and laws ofthe jurisdiction where the Property is located that relate to health, safety or environmental protection; ( c) "EnvirOlID1ental Cleanup" includes any response action, remedial action, or removal action, as defined in EnvirOlID1ental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Envirorunental Cleanup. Borrower shall not cause or pennit the presence, lise, 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 Envirorunental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value ofthe Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to nom1al residential uses and to maintenance of the Property (including, but not linùted to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any govenunental or regulatory agency or private party involving the Property and any Hazardous Substance or EnvirOlunental Law ofwlùch Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with EnvirOlunental Law. Notlùng herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remcdies. Lender shall give notice to Borrower plioI' to acccleration fonowing Borrower's breach of any covenant or agreement in this SecUlity Instrument (but not plioI' to acceleration under Section 18 unless Applicable Law provides othenvise). 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 noticc is briven 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 ofthe sums secured by this Security Instl1Iment and sale ofthe Propeliy. The notice shall fUliher inform Borrower of the right to reinstate after acceleration and the light to bring a couli action to asseli 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, LendeJ' at its option ma)' require immediate payment in full of all sums secUl'ed by this Security Instrument witbout fUliher demand .md may invoke the power of sale and .my other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurrcd in pursuing the remedies provided in this Section 22, including, but not limited to, J'easonable attorneys' fees and costs of title evidence, If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Bo...·ower and to the person in possession ofthe PropeJiy, if different, in accord.mcc with Applicablc Law. Lender shall give notice of the sale to BOJ'rower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manneJ'I)J'esclibed by Applicable Law, Lender or its designee may purchase the Propeliy 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 attol11eys' fees; (b) to an sums secured by tbis SecUlity Instrument; and (c) any excess to the person or persons legally entitled to it, 23, Release. Upon payment of all sums secured by tlùs Security Instnllnent, Lender shall release this Security Instnlment. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing tIùs Security Instrument, but only if the fee is paid to a third party for services rendered ill1d tIle charging of the fee is pennitted under Applicable Law. 24, Waivers. Borrower releases ill1d waives all rights under ill1d by virtue of tile homestead exemption laws of Wyonùng. WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS I Page 8 of 9 IDS, Ine, - (800) 554-1872 ! Form 3051 1/01 Borrower(s) Initials t.J pa Q930478 r Oon~j~ BY SIGNING BELOW, Borrower accepts and agrees to the tem1S and covenants contained in tIllS Security InstimÌlerii aftd ll1'l'1i1Y Rider executed by Borrower and recorded wi~h it. Witnesses: STATE OF WYOMING, (Seal) ('y¡/~ ~ -Borrower ~ ha~~ussen (NlcoLf) Lincoln County ss: (l ~ (Seal) -Borrower The foregoing instrume Doug R.'\smussen, an Witness my hand and 0 ICI My Commission Expires: acknowledged before me this 15th day of Nicole Rasmussen JtIDe , 2007 by 9-15-07 (Seal) GLORIA K. BYERS· NOTARY PUBLIC II County of Sta.te ?f Uncaln Wyoming My CommIssIon Expires Sept. 15, 20q7 I I N~~ ¡Y. ßy~ WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS ! Page 9 or9 IDS. Ine, . (800) 554-1872 ! Form 3051 1/01