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HomeMy WebLinkAbout931171 \11\ , , vi ,/ 1 L! J .;fJ' 6010715282 Return To: Bank of the West Attn: Post Closing 450 Regency Pkwy, 2-W Omaha, NE 68114 OOO~"1:1.3 Prepared By: Lynn Larson 450 Regency Parkway Omaha, NE 68114 RECEIVED 7/11/2007 at 1:24 PM RECEIVING # 931171 BOOK: 665 PAGE: 313 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY [Space Above TIlls Line For Recording Data] MORTGAGE MIN 100104088002591079 DEFINITIONS Words used in multiple sections of this document are defmed below and other words are defmed in Sections 3, II, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated July 03, 2007 together with all Riders to this document. (B) "Borrower" is MELISSA R POMPY, A SINGLE PERSON. ...) .j 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 SecUlity 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. 8800259107 8800259107 WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3061 1/01 . -6A(WY) (0005).03 @ Page 1 of 15 Initials: /Pllt! VM PM ortgage Solutions, Inc. · · 4; ·;,"1 ~ "1,';t .. 1.,-.,,,-..... . (D) "Lender" is Bank of the West, A California Corporation Lender is a corporation organized and existing under the laws of The State of California Lender's address is 450 Regency Pkwy, NE-REG-01-A, Omaha, NE 68114 (E) "Note" means the promissory note signed by Borrower and dated July 03, 2007 The Note states that Borrower owes Lender One Hundred Seventy Two Thousand And Zero/100 DollMs (U. S. $ 172 , 000 . 00 ) plus interest. Borrower has pronùsed to pay tIùs debt in reguIM Periodic Payments and to pay tile debt in full not later tIlaIl July 01, 2037 (F) "Property" means tile property tIlat is described below under tile heading "TraIlsfer of Rights in the Property. " (G) "Loan" means the debt evidenced by tile Note, plus interest, aIlY prepayment chMges aIld late chMges due under tile Note, aIld all sums due under tIlis Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Insmllnent tIlat Me executed by Borrower. The following Riders Me to be executed by Borrower [check box as applicable): o Adjustable Rate Rider o Balloon Rider o VA Rider o Condomulium Rider 0 Second Home Rider o PIllimed Unit Development Rider 0 1-4 FllilÙly Rider o Biweekly Payment Rider DOther(s) [specify) (I) "ApIJlicabIe Law" means all controllulg applicable federal, state llild local statutes, regulations, ordulances and admiIùstrative rules and orders (that have tile effect of law) as well as all applicable fmal, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and otIler chMges that are imposed on Borrower or tile Property by a condominium association, homeowners association or simiIM orgllilization. (K) "Electronic Funds Transfer" means llily trllilsfer of funds, otIler thllil a trllilsaction origUlated by check, draft, or similar paper instrument, which is ulitiated tIlfough llil electrOllic ternlinal, telephonic ulstrument, computer, or magnetic tape so as to order, instruct, or autIlorize a financial institution to debit or credit an account. Such term includes, but is not linlited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, llild automated c1earulghouse trllilsfers. (L) "Escrow Items" means those items that Me described in Section 3. (M) ''Miscellaneous Proceeds" means any compensation, settlement, award of dan1élges, or proceeds paid by llilY third party (other tIlan insurllilce proceeds paid under tile coverages described in Section 5) for: (i) danlage to, or destruction of, the Property; (ii) condemnation or other taking of all or llilY part of tile Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or onùssions as to, tile value llild/or condition of the Property. (N) "Mortgage Insurance" means ulsurllilce protecting Lender against the nonpayment of, or default on, the Loan. (0) ''PeIiodic Payment" means tile regulMly scheduled anlOWl1 due for (i) principal and interest under tile Note, plus (ii) any anlOunts wIder Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate SettIement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they nùght be anlended from time to time, or any additional or successor legislation or regulation tIlat governs the Slline subject matter. As used in this Security Instrument, "RESP A" refers to all requirements aIld restrictions that Me imposed in regMd to a "federally related mortgage IOllil" even if tile LOllil does not qualify as a "federally related mortgage 10llil" under RESPA. S-6A(WY) (0005).03 @ Page 2 of 15 HZ}) Initials: r "I ¡ i , 8800259107 8800259107 Form 3061 1/01 001031::> (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 IU1der the Note éUId/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the LOéUl, éUld all renewals, extensions and modifications of the Note; éUld (ii) the performance of Borrower's covenants éUld agreements under tIùs Security Instrument and tile Note. For tIùs purpose, Borrower does hereby mortgage, gréUlt éUld convey to MERS (solely as nominee for Lender and Lender's successors éUld assigns) and to tile successors éUld assigns of MERS, witIl power of sale, tile following described property located in the County of Lincoln [Type of Recording Jurisdictionl [Name of Recording Jurisdiction] LOT 24 OF BLOCK 4 OF LINCOLN HEIGHTS 3RD SUBDIVISION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT FILED ON APRIL 1, 1975 AS INSTRUMENT NO. 465282 OF THE RECORDS OF THE LINCOLN COUNTY CLERK. "PURCHASE MONEY" Parcel ill Number: 1221162310811700 1332 Uinta Drive Kemmerer ("Property Address"): wlùch currently has tile address of [Street] [City] , WyonÙllg 83101 [Zip Code] TOGETHER WITH all tile improvements now or hereafter erected on the property, éUld all easements, appurtenances, éUld fixtures now or hereafter a part of tile property. All replacements éUld additions shall also be covered by tIùs Security Instrument. All of the foregoing is referred to in tIÜs Security Instrument as the "Property." Borrower understands éUld agrees that MERS holds only legal title to the interests granted by Borrower in tlùs Security Instrument, but, if necessary to comply witIl law or custom, MERS (as nominee for Lender and Lender's successors éUld assigns) has tile right: to exercise any or all of those interests, including, but not linùted to, the right to foreclose and sell the Property; and to take éUlY action required of Lender including, but not linùted to, releasing éUld canceling this Security Instrument. BORROWER COVENANTS tIlat Borrower is lawfully seised of tile estate hereby conveyed and has the right to mortgage, grant éUld convey the Property éU1d that tile Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally tile title to the Property against all claims éUld demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use éUld non-uniform covenéUlts witIl limited variations by jurisdiction to constitute a mllorm security instrument covering real property. 8800259107 Page 3 of 15 .. U~¡? Inll,als: y I . 8800259107 e-6A(WY) (0005).03 @ Form 3061 1/01 "i'~ '1"'" ')1 ~~ ,. -- "":1).}, ~ '(.., UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Plincipal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay nmds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U. S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security hlstrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due llilder the Note and this Security Instmment be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 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 insufficient to bring the Loan current, without waiver of any rights herelUlder or pr~judice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied fllilds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note inUllediately prior to foreclosure. No offset or claim which Borrower Ulight have now or in the future against Lender shall relieve Borrower from making payments due lUlder the Note and this Security Instrument or perrorming the covenants and agreements secured by tlùs Security Instrument. 2. Application of Payments or Proceeds. Except as otllerwise described in this Section 2, all payments accepted and applied by Lender shall be applied in tile following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) anlounts due under Section 3. Such payments shall be applied to each Periodic Payment in tile order in which it becanle due. Any remaining anlounts shall be applied first to late charges, second to any otller anlounts due under this Security Instmment, and then to reduce the principal balance of the Note. 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 and' the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to tile repayment of the Periodic Payments if, and to the extent tllat, each payment can be paid in full. To the extent tllat any excess exists after tile payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. VOllliltary prepayments shall be applied first to any prepayment charges and then as described in tile Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due wIder tile Note shall not extend or postpone tile due date, or change tile amowlt, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on tile day Periodic Payments are due under the Note, Wltil the Note is paid in full, a Sunl (tile "Funds") to provide for payment of anlollilts due for: (a) taxes and assessments and other items which can attain priority over tl1Ìs Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on tile Property, if ~U1y; (c) prenùums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance prenùums, if any, or any sums payable by Borrower to Lender in lieu of tile payment of Mortgage Insurance prenùums in accordance with the provisions of Section 10. These items are called "Escrow Itell1S." At origination or at any time during tile term of tile LOéU1, Lender may require tllat ConUllwlity 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 tile Fllilds for Escrow Items unless Lender waives Borrower's obligation to pay the FlUIds 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. hI tile event of such waiver, Borrower shall pay directly, when and where payable, tlle amounts 8800259107 . -6A(WY) (0005).03 @ Page 4 of 1 5 Initials: It Zl° 8800259107 Form 3061 1/01 ~ 11 due for any Escrow Items for which payment of FWlds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in tIlis Security Instrument, as the phrase" covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directIy, 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 anlount 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 pernlit Lender to apply the Funds at tile time specified under RESP A, and (b) not to exceed the maximum anlount a lender can require under RESP A. Lender shall estimate the amount of Funds due on tile basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The FWlds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds, aIUmally analyzing tile escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law pernlits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on tile Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an almmù accowlting of tile Funds as required by RESP A. If there is a surplus of Funds held in escrow, as deflned under RESP A, Lender shall account to Borrower for tile excess funds in aCCOrdallce with RESPA. If there 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 the alnount necessary to make up tile shortage in aCCOrdallCe with RESP A, but in no more tIlall 12 montIùy payments. If there is a deficiency 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 alllOunt necessary to make up tile deficiency in aCCOrdallce WitII RESPA, but in no more thall12 montIùy payments. Upon payment in full of all sums secured by tIlÍs Security Instnllllent, Lender shall promptIy ref wId to Borrower allY Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, rmes, alld impositions attributable to tile Property which can attain priority over tIlis Security Instrument, leasehold payments or growld rents on tile Property, if any, alld ConmlUnity Association Dues, Fees, alld Assessments, if all)'. To tile extent tIlélt these items are Escrow Items, Borrower shall pay them in tile mélllller provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to tile payment of tile obligation secured by the lien in a malmer acceptable to Lender, but only so long as Borrower is perfornling such agreement; (b) contests tile lien in good faith by, or defends against enforcement of tile lien in, legal proceedings which in Lender's opinion operate to prevent the elûorcement of the lien while those proceedings are pending, but Olùy wltiI such proceedings are concluded; or (c) secures from the holder of the lien all agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that allY part of the Property is subject to a lien which CéUl attain priority over this Security Instrument, Lender may give Borrower a notice identifying tile 8800259107 e-6A(WY) (0005).03 @ Page 5 of 15 Initiels it Z .p 8800259107 Form 3061 1/01 l}~!f'. ')11":1 .,. ~i;!":)J\ Ô lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take 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 téL'\: verification and! or reporting service used by Lender in cOllliection with tIlÌs Loan. 5. PrOIJeliy Insurance. Borrower shall keep the improvements now existing or hereafter erected on tIle Property insured against loss by fire, hazards included witIlin tIle term "extended coverage," and any other hazards including, but not linlÌted to, earthquakes and floods, for which Lender reqlÙfes insurance. Tllis insurance shall be maintained in the éUUOWltS (including deductible levels) éUld for the periods tIlat Lender requires. What Lender requires pursuant to the preceding sentences CéUl change during the term of the Loan. The insurance carrier providing tIle insuréUlce 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 connection witIl tIùs LOéUl, eitIler: (a) a one-time charge for flood zone deternÙllation, certification and tracking services; or (b) a one-time charge for flood zone deternùnation and certification services and subsequent charges each time remappings or sÌluilar chéUlges occur wIùch reasonably nùght affect such determination or certification. Borrower shall also be responsible for tIle payment of any fees imposed by tIle Federal Emergency Management Agency in connection witIl tIle review of any flood zone deternùnation resulting from an objection by Borrower. If Borrower fails to maintain any of tIle coverages described above, Lender may obtain Ìllsurance coverage, at Lender's option and Borrower's expense. Lender is wlder no obligation to purchase any particular type or éUllooot of coverage. Therefore, such coverage shall cover Lender, but nùght or nùght not protect Borrower, Borrower's equity in tIle Property, or tIle contents of tIle Property, against any risk, hazard or liability and might provide greater or lesser coverage tIlan was previously in effect. Borrower acknowledges tIlat the cost of the insurance coverage so obtained might sig¡ùficantly exceed tIle cost of insurance that Borrower could have obtained. Any éUllounts disbursed by Lender under tIùs Section 5 shall become additional debt of Borrower secured by tIlis Security Instnuuent. These anlounts shall bear interest at tIle Note rate from the date of disbursement éUld shall be payable, witIl such interest, upon notice from Lender to Borrower requesting payment. All Ìllsuratlce 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 nanle Lender as mortgagee atld/or as an additional loss payee. Lender shall have tIle 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 éUty form of insurance coverage, not otherwise required by Lender, for danlélge to, or destruction of, tIle Property, such policy shall include a standard mortgage clause éUld shallnanle Lender as mortgagee éUld/or as an additional loss payee. In tIle event of loss, Borrower shall give prompt notice to tIle insurance carrier atld Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otIlerwise agree in writing, any insurance proceeds, whether or not tIle underlying insuréUlce was required by Lender, shall be applied to restoration or repair of the Property, if tIle restoration or repair is econonùcaIly feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have tIle right to hold such insurance proceeds wltiI Lender has had an opportooity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided tIlat such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs éUld restoration in a sÌllgle payment or in a series of progress payments as the work is completed. Urness an agreement is made Ùl writing or Applicable Law requires ùlterest to be paid on such ùlsurance proceeds, Lender shall not be required to pay Borrower any ùlterest or eanÙllgs on such proceeds. Fees for public adjusters, or otIler tIlird parties, retained by Borrower shall not be paid out of the insuréUlce proceeds éUld shall be the sole obligation of Borrower. If tIle restoration or repair is not econonùcally feasible or Lender's security would be lessened, tIle insurance proceeds shall be applied to the sums secured by tIlis Security Instrument, whether or not tIlen due, with e-SA(WY) (0005).03 @ Page 6 of 1 5 IniliaIS:JJ1i... 8800259107 8800259107 Form 3061 1/01 ',.;' '<1 ;! !I o' 1: "N 'llil , '"·..t\..rJ the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond witlùn 30 days to a notice ftom Lender that the insurance carrier has offered to settIe a claim, tIH~n Lender may negotiate and settle tile claim. The 30-day period will begin when the notice is given, In eitIler event, or if Lender acquires tile Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an anlOunt not to exceed tile anlounts wlpaid wIder tile Note or this Security Instrument, and (b) any otIler of Borrower's rights (otIler than tile right to any refund of uneamed premiums paid by Borrower) under all insurance policies covering tile Property, insofar as such rights are applicable to the coverage of tile Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under tile Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence witI1Ín 60 days after the execution of this Security Instrument and shall continue to occupy tile Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be wlfeasonabIy witIÙ1eId, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair tile Property, allow the Property to deteriorate or conunit waste on tile Property. Whether or not Borrower is residing in the Property, Borrower shall maintain tile Property in order to prevent tile Property from deteriorating or decreasing in value due to its condition, Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower sI1éùI promptIy repair tile Property if danlaged to avoid further deterioration or danlage. If insurance or condemnation proceeds are paid in cOlmection with damage to, or the taking of, tile Property, Borrower shall be responsible for repairing or restoring tile Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for tile repairs and restoration in a single payment or in a series of progress payments as tile work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore tile Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of tile improvements on tile Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or WitII Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in cOlmection witII the Loan. Material representations include, but are not limited to, representations conceming Borrower's occupancy of tile Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Propeliy and Rights Under this SecuIity Instrument. If (a) Borrower fails to perform tile covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantIy affect Lender's interest in tile Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condenmation or forfeiture, for enforcement of a lien which may attain priority over tI1Ís 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 tile value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not linùted to: (a) paying any SUlllS secured by a lien which has priority over tI1Ís Security Instrument; (b) appearing Ùl court; and (c) payùlg reasonable e-SA(WY) (0005)03 @ Page 7 or 15 Initials: bHl) 8800259107 8800259107 Form 3061 1/01 ~j~M)~?fì. '?, ':<}d'! .,JI attorneys' fees to protect its interest in the Property and/or rights under this Security Instmment, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not linùted to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, elinùnate 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 tIùs Section 9. Any anlounts disbursed by Lender under tIùs 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 notice from Lender to Borrower requesting payment. If tlùs Security Instrument is on a leasehold, Borrower shall comply witll all tile provisions of tile lease. If Borrower acquires fee title to tile Property, tile leasehold and the fee title shall not merge wùess Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making tile Loan, Borrower shall pay tile prenùums required to maintain tile Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer tllat previously provided such insurance and Borrower was required to make separately designated payments toward the prenùwns for Mortgage Insurance, Borrower shall pay tile prenùmlls required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of tile 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 tile amount of tile separately designated payments tllat were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain tllese payments as a non-refwldable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding tile fact that the Loan is ultimately paid in full, and Lender sIuùlnot be required to pay Borrower any interest or eanlÍ11gs on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the anlOunt and for the period tllat Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward tile prenùums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward tile prenùums for Mortgage Insurance, Borrower shall pay the prenùums required to maintain Mortgage Insurance in effect, or to provide a non-reflUldable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until ternùnation is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at tile rate provided in tile Note. Mortgage Insurance reimburses Lender (or any entity tllat purchases tile Note) for certain losses it may incur if Borrower does not repay tile Loan as agreed. Borrower is not a party to tile Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify tlleir risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and tile otller party (or parties) to tllese agreements. These agreements may require tile mortgage insurer to make payments using any source of funds tllat the mortgage insurer may have available (which lllay include funds obtained from Mortgage Insurance prellÙums). As a restùt of these agreements, Lender, any purchaser of tile Note, another insurer, any reinsurer, any otller entity, or any affiliate of any of tile foregoing, may receive (directly or indirectly) amounts tllat derive from (or llÙght be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of tile prellÙums paid to tlle insurer, the arrangement is often termed "captive reinsurance. " Further: (a) Any such agreements wiII not affect the amounts that Borrower has agreed to {Jay for MOIigage Insurance, or any other terms of the Loan. Such agreements wiII not increase the amount Borrower wiII owe for MOligage Insurance, and they wiII not entitle Borrower to any refund. e·SA(WY) (0005).03 @ Page B of 15 Initials t~lf 8800259107 8800259107 Form 3061 1/01 J~( (b) Any such agreements will not affect the lights Borrower has - if any - with ¡Oespect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These lights may include the light to receive certain disclosures, to request and obtain cancellation of the M0l1gage Insurance, to have the M0l1gage Insurance te¡minated automatically, and/or to receive a ¡Oefund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or tennination. 11. Assignment of Miscellaneous Proceeds; Forl·eiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is danlaged, such Miscellaneous Proceeds shéùI 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 eamings on such Miscellaneous Proceeds. If the restoration or repair is not econonúcally 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 tile excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in tile order provided for in Section 2. In the event of a total taking, destruction, or loss in value of tile Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in wlúch the fair market value of the Property inilllediately before the partial taking, destruction, or loss in value is equal to or greater than the anlount of the sums secured by this Security Instrument inilllediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by tlús Security Instnullent 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 véùue divided by (b) the fair market value of the Property inullediately before tile partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of tile Property in wlúch the fair market value of the Property inilllediately before the partial taking, destruction, or loss in value is less than the anlOunt of the SUIllS secured inilllediateIy before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by tlús Security Instrument whether or not the sums are tllen due. If tJ:Ï.e Property is abandoned by Borrower, or if, after notice by Lender to Borrower tllat 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 tile date the notice is given, Lender is autllorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of tile Property or to the sums secured by tlús Security Instrument, whether or not then due. "Opposing Party" means tile tl1ird party tllat owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whetller civil or crinùnal, is begun that, in Lender's judgment, couId result in forfeiture of the Property or otller material impainllent of Lender's interest in tile Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be disllÙssed with a ruling tllat, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in tile Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to tile impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of tile Property shall be applied in the order provided for in Section 2. 8800259107 .-6A(WY) (0005).03 @ Page 9 of 1 5 InitiaIS:~ 8800259107 Form 3061 1/01 '\ 'ÌII""!jI.... (I ~ "..,. . ",.J' """Iiv<'..."", 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to conIDlence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify anlOrtization of the Silins secured by tIùs Security Instrument by reason of any demand made by tile original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without linùtation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in anloililts less tIlan the anlOunt tIlen due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Severa) Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees tImt Borrower's obligations and liability shall be joint and several. However, éU1y Borrower who co-signs this Security hlstrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of tIùs Security hlstrument or tile Note WitIlout the co-signer's consent. Subject to tile provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations ililder tIùs Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under tIùs Security Instrument. Borrower shall not be released from Borrower's obligations and liability under tIlis Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in cOIIDection WitII Borrower's default, for tile purpose of protecting Lender's interest in the Property and rights ililder tIlis Security Instrument, including, but not linùted to, attorneys' fees, property inspection and valuation fees. In regard to any otIler fees, tile absence of express autIlOrity in tI1Ìs Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on tile charging of such fee. Lender may not charge fees tImt are expressly prohibited by this Security Instrument or by Applicable Law. If tile Loan is subject to a law wl1Ìch sets méL'íimum loan charges, and that law is finally interpreted so tIlat tile interest or otIler loan charges coIIected or to be collected in comlection Witll tile Loan exceed the perl1Ùtted lil1Ùts, then: (a) any such loan charge shall be reduced by tile amount necessary to reduce tile charge to tile perl1Ùtted linùt; and (b) any sums already collected from Borrower wIùch exceeded pern1Ìtted lil1Ùts will be refunded to Borrower. Lender may choose to make this refund by reducing tile principal owed under the Note or by making a direct payment to Borrower. If a renmd reduces principal, tile reduction will be treated as a partial prepayment without any prepayment charge (whetIler or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such ref wId made by direct payment to Borrower will constitute a waiver of any right of action Borrower l1Ùght have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in cOlIDection with this Security Instrument must be in writing. Any notice to Borrower in cOlIDection with tI1Ìs 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 otIlerwise. The notice address shall be tile 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 reporting Borrower's change of address, tIlen Borrower shall only report a change of address tlrrough that specified procedure. There may be OlÙY one designated notice address under tI1Ìs Security hlstrument 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 cOlIDection with tlùs Security hlstrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by tl1Ìs Security Instrument is also required Imder Applicable Law, the Applicable Law reqlúrement will satisfY tile corresponding requirement under tI1Ìs Security hlstrul11ent. 8800259107 e-6A(WY) (0005).03 @ Inilia's: 1~1P 8800259107 Page 1 0 of 1 5 Form 3061 1/01 'I),." ~,/I '.' JI ') , ,,.;,...... 16. Govel1ling Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located, All rights and obligations contained in this Security Instrument are su~ject to any requirements and linùtations of Applicable Law. Applicable Law nùght explicitIy or implicitly allow tile parties to agree by contract or it nùght be silent, but such silence shall not be construed as a prohibition against agreement by contract. In tile event tIlat any provision or clause of this Security Instrument or tile Note conflicts witIl Applicable Law, such conflict shall not affect other provisions of tIùs Security Instrument or the Note which can be given effect witIlout the conflicting provision. As used in this Security hlstrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of tile fenùnine gender; (b) words in the singular shall mean and include tile plural and vice versa; and (c) tile word "may" gives sole discretion witIlOut any obligation to take any action. 17. Bo....ower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. TI'ansfer of the Pml)el1y or a Beneficial Interest in Bo....ower. As used in this Section 18, "hlterest in tile Property" means any legal or beneficial interest in tile Property, including, but not limited to, tIlOse beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is tile transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in tile Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security InstrtUnent. However, tIús option shall not be exercised by Lender if such exercise is prolúbited by Applicable Law. If Lender exercises tIús option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date tile notice is given in accordance with Section 15 within which Borrower must pay all sums secured by tIús Security hlstrument. If Borrower fails to pay tIlese sums prior to the expiration of this period, Lender may invoke any remedies pernùtted by tI1Ïs Security hlstrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have tile right to have enforcement of tI1Ïs Security Instrument discontinued at any time prior to tile earliest of: (a) five days before sale of tile Property pursuant to any power of sale contained in tI1Ïs Security hlstrument; (b) such other period as Applicable Law nùght specify for the tern1Ïnation of Borrower's right to reinstate; or (c) entry of a judgment enforcing tI1Ïs Security hlstrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under tI1Ïs Security Instrument and tile Note as if no acceleration had occurred; (b) cures any default of any otI1er covenants or agreements; (c) pays all expenses incurred in enforcing tIús Security Instrument, including, but not linùted to, reasonable attorneys' fees, property inspection émd valuation fees, and other fees incurred for tile purpose of protecting Lender's interest in tile Property and rights tUlder tI1Ïs Security Instrument; and (d) takes such action as Lender may reasonably require to assure tIlat Lender's interest in the Property and rights under this Security hlstrument, and Borrower's obligation to pay the Silins secured by tI1Ïs Security Instrument, shall continue ililchanged. Lender may require tIlat Borrower pay such reinstatement SunlS and expenses in one or more of tile following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Fililds Transfer. Upon reinstatement by Borrower, tI1Ïs Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, tI1Ïs right to reinstate shall not apply in the case of acceleration tUlder Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Glievance. The Note or a partial interest in the Note (together with tI1Ïs Security Instrument) can be sold one or more times without prior notice to Borrower. A sale núght result in a change in the entity (known as the "Loan Servicer") tIlat collects Periodic Payments due under the Note and this Security hlstrument and performs otIler mortgage loan servicing obligations under the Note, tIús Security hlstrument, and Applicable La"". There also might be one or more changes of tile Loan Servicer unrelated to a sale of tile Note. If there is a change of tile Loan Servicer, Borrower will be given written notice of the change which will state tile nanle and address of tile new Loan Servicer, the address to which payments should be made and any other information RESP A 8800259107 e-SA(WY) (0005).03 @ Page 11 of 15 Inilials ~t }f 8800259107 Form 3061 1/01 .;¡.~(M)¡ "II?¡rl ." .~I "fíf~ ~,~ :¡r: requires in cOlUlection 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 UlÙesS otherwise provided by the Note purchaser. Neither Borrower nor Lender may conunence, 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 tlùs Security Instrument or tllat alleges tllat tlle otller party has breached any provision of, or any duty owed by reason of, tlùs Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance Witll the requirements of Section 15) of such alleged breach and afforded tlle other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period wlùch must elapse before certain action can be taken, tllat time period will be deemed to be reasonable for purposes of tlùs paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 éUld tlle notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy tlle notice and opportUllity to take corrective action provisions of tllis Section 20. 21. Hazardous Substances. As used in tllis Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, otller flanUllable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, nlaterials containing asbestos or formaldehyde, and radioactive nlaterials; (b) "EnvirOlUllentaI Law" means federal laws and laws of the jurisdiction where tlle Property is located tllat relate to healtll, safety or enviroIUnental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in EnviroIUnental Law; and (d) an "Environmental Condition" means a condition tllat can cause, contribute to, or otllerwise trigger an Environmental Cleanup. Borrower shall not cause or pernlit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in tlle Property. Borrower shall not do, nor allow éUlyone else to do, anytlling affecting tlle Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects tlle value of tlle 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 normal residential uses and to maintenance of the Property (inclnding, but not linlited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or otller action by any govenunental or regulatory agency or private party involving tlle Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Enviromnental Condition, including but not linlited to, any spilling, leaking, discharge, release or tl1feat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects tlle value of the Property. If Borrower learns, or is notified by any governmental or regulatory autllority, or any private party, that any removal or other remediation of any Hazardous Substance affecting tlle Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with EnvirOlunental Law. Notlling herein shall create any obligation on Lender for an EnviroIUuentaI Cleanup. 8800259107 e-SA(WY) (0005).03 @ Page 1 2 of 1 5 Initials: t1/~'Î? 8800259107 Form 3061 1101 o in ,1~ "I! ,""" fi.. ,..,J ~ ~ ~~..~ NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower Plior to acceleration following Bon-ower's breach of any covenant or agreement in this SecuIity Instrument (but not pIior to acceleration under Section 18 unless Applicable Lmv provides otherwise). The notice shall SIJecify: (a) the default; (b) the action required to CUl"e the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this SecuIity Instrument and sale of the Propeliy. The notice shall further infonn Bon-ower of the light to reinstate after acceleration and the light to bling a couli action to asseIi the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its OIJtion may require immediate payment in full of all sums secured by this SecUlity Instrument without fUliher demand and may invol<e the power of sale and any other remedies pennitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in lmrsuing the remedies provided in this Section 22, inclUding, but not limited to, .oeasonable attorneys' fees and costs of title evidence. H' Lender invol<es the power of sale, Lender shall give notice of intent to foreclose to Borrowe.o and to the person in possession of the Propeliy, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manne." provided in Section 15. Lende.o shall publish the notice of sale, and the PropeIiy shall be sold in the manner presclibed by ApIJlicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this SecUlity Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon paynlent 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 tIùs Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of tile fee is pernùtted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyonúng. .-SA(WY) (0005).03 @ Page 1 3 or 1 5 IniliaIS:~ 8800259107 8800259107 Form 3061 1/01 (})10.11 ~""J)6' ... ... ...' ..jI~ ....-,. ""'.i1ltJI. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in tlùs Security hlstrument and in any Rider executed by Borrower and recorded with it. Witnesses: cll!ë~ '~) /)7 ~ , (Seal) MELISSA R POMPY . .' -Borrower (Seal) -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower e-SA(WY) (0005).03 @ 8800259107 8800259107 Page 1 4 of 1 5 Form 3061 1/01 ~;'~ \lHP .,: ~i.r~ "I STATE OF WYOMING, LINCOLN County ss: The foregoing instrument was acknowledged before me this July 03 I 2007 by MELISSA R POMPY My Conunission Expires: ¿¡~Þ6'4e::'-1'" LORI KAlAN - NOTARY PUBLIC COUNTY OF STATE OF LINCOLN WYOMING My Commission Expires Feb. 26, 2011 (f;B ~ , Notary Public 8800259107 .-SA(WY) (0005).03 ~ Page 1 5 or 1 5 InílíaIS:~ 8800259107 Form 3061 1/01