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Home My WebLink About931473 0004S2 Mter recording please return to: INDYMAC BANK, F. S . B., C/O I:XX:UYIENT MANAGEIVIENT [Company Name] RECEIVED 7/20/2007 at 3:28 PM RECEIVING # 931473 BOOK: 666 PAGE: 462 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY [Name of Natural Person) BLDG B, 901 E 104TH ST, [Street Address] KANSAS CITY, M) 64131 SUITE 400/500 Record and Return to: Group9, Inc. 444 Oxford Valley Rd Langhorne, PA 19047 [City, State Zip Code] [Space Above This Line For Recording Data] / l ) I ?i , rf¥- fl OPEN-END MORTGAGE Secondary Lien \ \ (Securing Future Advances) '¡f(~V '(I" I Borrower has established a line of credit ("Home Equity Line of Credit") with Lender as evidenced by Borrower's Home Equity Line of Credit Agreement 3I1d Pronùssory Note dated the same date as this Security Instrument, and aU renewals, extensions, modifications, replacements and substitutions thereof (collectively, the "Agreement"), Lender has agreed to make adv3I1ces to Borrower under the tenns of the Agreement Such adv3I1ces shall be of a revolving nature 3I1d may be made, repaid 3I1d remade from time to time. Borrower and Lender contemplate a series of adv3I1ces to be secured by this Security Instrument The total outstanding principal balance owing at anyone time Wlder the Agreement (not including charges 3I1d collection costs wlúch may be owing from time to time) shall not exceed thirty three thousand seven hundred fifty and NO/100ths (U.S. $ 33,750.00 ) plus interest thereon (the "Credit Limit"). That sum is referred to in the Agreement as the Credit Linút The entire indebtedness Wlder the Agreement, if not paid earlier, is due 3I1d payable on July 15, 2027 or on such later date as may be pennitted by Lender in writing, or at such earlier date in the event such indebtedness is accelerated in accordance with the tenns of the Agreement and/or Ws Security Instrument. DEFINITIONS Words used in multiple sections of this Security Instrument are defmed below and other words are defmed in Sections 3, 10, 12, 17, 19, and 20. Certain rules regarding the usage of words used in this Security Instrument are also provided in Section 15. (A) "Security Instrnment" means this Open-End Mortgage, wlúch is dated together with all Riders to this docwnent July 6, 2007 Loan No: 126847822 Wyoming Open-End Mortgage- Seçondary Lien -THE COMPUANCE SOlJRCE, INc.- www.compJiancCl.O\D"cc.com Page 1 of 14 11~IIIHIIII~llmIIWI 10567WY 08102 Q2002, The Corrplianc. Sourc., Inc. ..~ .. ..." "X~.'}'" (B) "Borrower" is JASON NIElSEN AND TI\MI NIElSEN HUSBAND AND WIFE . Borrower is the mortgagor under tlús Security Instrument. (C) "Lender" is INDYMAC BANK, F.S.B., A FEDERALLY ŒIARTERED SAVINJS BANK Lender is a Federal Savings Bank organized and existing under the laws of united States of Arœrica . Lender's address is 155 NORTH IAKE AVENUE, PASADENA, CA 91101 Lender is the mortgagee under tlús Security Instrument. (D) "Agreement" means the Home Equity Line of Credit Agreement and Promissory Note signed by Borrower and dated July 6, 2007 , The Agreement states Lender has agreed to make advances to Borrower under the terms of the Agreement, such advances to be of a revolving nature. The total outstanding principal balance owing at anyone time under the Agreement (not including charges and collection costs which may be owing from time to time under the A~eement) not to exceed the Credit Limit of thirty three thousand seven hundred fifty and NO/100ths Dollars (U.S. $ 33, 750 . 00 ) plus interest. Borrower has promised to pay the total outstanding balance in Periodic Payments and to pay the entire debt in full not later than July 15, 2027 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Account" means the debt evidenced by the Agreement, plus interest, any other charges due under the Agreement, and all swns due under tlús Security Instrument, plus interest. (G) "Riders" means all Riders to tlús Security lnstnunent that are executed by Borrower, The following Riders are to be executed by Borrower (cheek box as applicable]: o Adjustable Rate Rider o Balloon Rider o Home Improvement Rider o Other(s) {specify] D Condominiwn Rider D Plmmed Unit Development Rider D Revocable Trust Rider D Second Home Rider D Biweekly Payment Rider (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable ímal, non-appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominiwn association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instnunent, wlúch is initiated through an electroIÙC temúnal, telephoIÙc instnunent, computer, or magnetic tape so as to order, instruct, or authorize a fmancial institution to debit or credit an account. Such term Loan No: 126847822 Wyoming Open-End Mortgage - Secondary Lien -TIlE COMPLIANCE SOURCE, INc.- www.compliancO!lo.tD"ce.com Page 2 of 14 1IIIIIIIImlœmlllll 10567WY 08102 Q2002, The COlT>lianc. Solre.. Inc. 0004f\4: includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid lli1der the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) conderrmation or other taking of all or any part of the Property; (iii) conveyance in lieu of condenmation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property, (M) "Mortgage Insurancc" means insurance protecting Lender against the nonpayment of, or default on, the Agreement and the AccoW1t. (N) "Pcriodic Paymcnt" means the amOlli1t due from Borrower to Lender each month for (i) principal and/or interest lli1der the Agreement, and all late charges and other charges provided herein or authorized by the Agreement, plus (ü) any amOlli1ts lli1der Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.c. § 2601 et seq,) and its implementing regulation, Regulation X (24 C.F.R Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESP A" refers to the escrow aCCOW1t requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Agreement and the Accolli1t do not qualify as a "federally related mortgage loan" lli1der RESP A (P) "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 under the Agreement and/or this Security Instrument. TRANSFER OF RIGHTS IN TIlE PROPERTY This Security Instrument secures to Lender; (a) the prompt repayment of the Account evidenced by the Agreement, and all renewals, extensions and modifications of the Agreement, with interest thereon at the rate provided in the Agreement; (b) the payment of all other swns due under the Agreement, with interest thereon at the rate provided in the Agreement, (i) advanced to protect the security of this Security Instrument, (ii) incurred by Lender in connection with the enforcement of its rights under tlús Security Instrument and/or the Agreement, and/or (iii) required to be paid as set forth herein or in the Agreement; and (c) the perfonnance of Borrower's covenants and agreements under this Security Instrument, the Agreement and any prior mortgage or deed of trust. For this purpose, Borrower does hereby mortgage, grants and conveys to Lender and Lender's successors and assigns with power of sale, the following described real property located in the County of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Loan No: 126847822 Wyonñng Open-End Mortgage - Secondary Lien -THE COMPLIANCE SOlIRCE, INc.- www.compiiancc:.-Ourcc.com Page 3 of 14 1~llmllmlll.llrullnl~lm~ 10367WY 08102 C2002. The COIT>lianc:c Source. Inc. 0004~5 SEE EXHIBIT A ATmCEED HEREIO AND lVIADE A PARI' HEREDF which currently has the address of 64 MILES MEAIXM [Street] AFION [City] , Wyoming 83110 {Zip Code] ("Property Address"). TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is WIencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines UIÙÍonn covenants for national use and non-wrifonn covenants with limited variations by jurisdiction to constitute a UIÙÍonn security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest and Other Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Agreement and if allowable tmder Applicable Law, any prepayment charges, late charges and other charges due WIder the Agreement. Payments due WIder the Agreement and this Security Instrument shall be made in U,S. currency. However, if any check or other instrument received by Lender as payment WIder the Agreement or tlùs Security Instrument is returned to Lender WIpaid, Lender may require that any or all subsequent payments due under the Agreement and this Security Instrument be made in one or more of the following fonns, 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 FWIds Transfer. 2. Application of Payments or Proceeds. Payments are deemed received by Lender when received at the location designated in the Agreement or at such other location as may be designated by Lender in accordance with the notice provisions in Section 14 or in such manner or location as required WIder Applicable Law. Except as otherwise described in tlùs Section 2, and as pennitted WIder Applicable Law, all payments accepted and applied by Lender shall be applied to the outstanding AccoWIt balance in the following order of priority: (i) any prepayment charges due WIder the Agreement and/or this Security Instrument if pennitted by Applicable Law; (ii) amoWItS due wtder tlùs Security Instrument to secure the amoWIts advanced WIder the AccoWIt and to protect Lender's security; (iii) any escrow payments WIder Section 3 of tlùs Security Instrument, if Lender requires such payments; (iv) any late charges; (v) any other fees and charges other than fmance charges; (vi) accrued and wtpaid finance charges due wtder the Agreement; and (vii) any wtpaid principal balance due WIder the Agreement. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amowtt to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If Loan No: 126847822 Wyoming Open-End Mortgage - Secondary Lien -THE COMPUANCE SOURCE, INC.- www.compliancc...ource.com Page 4 of 14 1111~IDIIUllgllll 10S67WY 01!lO2 02(102, The Co""lia""" So..-.o, Inc, 0004f:6 more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full To the extent that any excess exists after the payment is applied to the fu11 payment of one or more Periodic Payments, such excess may be applied to any late charges due. To the extent pennitted by Applicable Law, voluntary prepayments sba11 be applied fIrst to any prepayment charges and then as described in the Agreement. Any application of payments, insurance proceeds, or MisceUaneous Proceeds to principal due under the Agreement sba11 not extend or postpone the due date, or change the amowlt of the Periodic Payments. 3. Funds for Escrow Items. Subject to Applicable Law, Borrower shall pay to Lender on the days Periodic Payments are due under the Agreement, until the Account is paid in fuJI, a swn (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; ( c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums, These items are called "Escrow Items." At origination or at any time during the term of the Agreement, Lender may require that Conununity Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shaH be an Escrow Item, Borrower shaH promptly funúsh to Lender all notices of aD10Wlts to be paid under this Section 3. Borrower shaU pay Lender the FWlds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender the Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shaH pay directly, when and where payable, the amoWlts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all pwposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 8, If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 8 and pay such amoWlt and Borrower shall then be obligated Wider Section 8 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 14 and, upon such revocation, Borrower sba11 pay to Lender ail FWlds, and in such amounts, that are then required Wider this Section 3. Lender may, at any time, collect and hold FWlds in an amoWlt (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESP A. Lender sha11 estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an 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 the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender sba11 give to Borrower, without charge, an annual accounting of the Funds as required by RESP A. If there is a swplus of Funds held in escrow, as defIned under RESP A, Lender shall account to Borrower for the excess funds in accordance with RESP A. If there is a shortage of Funds held in escrow, as defmed under RESP A to mean the amount by which a current escrow balance falls short of the target balance at the time of escrow analysis, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESP A, but in no more than 12 monthly payments. If there is Loan No: 126847822 Wyoming Open-End Mortgage - Secondary Lien -THE COMPLIANCE SOURCE, INc.- www.compJiancc...ource.com Page 5 of 14 1111.HIIBII.mmœla 10567WY 08102 02002, Tho Co""liance Source. 1ItC, 0004~7 a deficiency of Funds held in escrow, as deîmed under RESP A to mean the amount of the negative balance in the escrow account, Lender shall notify Borrower as required by RESP A. and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESP A, but in no more than 12 I11Ont1ùy payments, Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. Borrower shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. If under Section 21 the Property is sold or the Property is otherwise acquired by Lender, Lender shall apply no later than inunediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against tile sums secured by this Security Instrument. 4. Charges; Liens. Borrower shall perfonn all of Borrower's obligations under any mortgage, deed of trust, or other security agreement with a lien wlùch has priority over this Security Instrument. Borrower shall pay when due, all taxes, assessments, charges, îmes, and impositions attributable to the Property wlùch can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Conunwrity Association Dues, Fees, and Assessments, if any. To the ex1ent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien other than a lien disclosed to Lender in Borrower's application or in any title report Lender obtained wlùch has priority over this Security Instrument wùess Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is peIforming such agreement; (b) contests the lien in good faith by, or defends against elÛorcement of the lien in, legal proceedings wlùch in Lender's opinion operate to prevent the enforcement of the lien wlùle those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with the Agreement, the Account and this Security Instrument, if allowed under Applicable Law. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for wlùch Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during tile tenn of the Agreement. TIle insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with the Agreement, the Account and this Security Instrument, either: (a) a one-time charge for flood zone detennination, certification and tracking services; or (b) a one-time charge for flood zone detemÙllation and certification services and subsequent charges each time remappings or similar changes occur wlùch reasonably might affect such detennination or certification. Borrower shall also be responsible for tile payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. I If Borrower fails to maintain any of tile coverafes described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage, TIlerefore, such coverage shall cover Leider, but might or might not protect Borrower, Borrower's equity in the Property, or tile contents of tile Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that tile cost of tile insurance coverage so obtained might significantly exceed tile cost of insufance that Borrower could have obtained, Any amooots disbursed by Lender under this Section 5, shall be added to tile unpaid balance of the Accooot and interest shall accrue at the rate set forth in the Agreement, from the time it was added to the oopaid balance until it is paid in full. Subject to Applicable Law, 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 sJandard mortgage clause, and shall name Loan NO: 126847822 Wyoming Open-End Mortgage - Secondary Lien -THE COMPUANCE SOlJRCE, INc.- www.compHance~urce.com Page 6 of 14 1IIInllllWmlWmU 10567WY 08102 02002, Tho C"""liance SOl""". Inc. ~~146S Lender as mortgagee and/or as an additional loss payee, and Borrower further agrees to generally assign rights to insurance proceeds to the holder of the Agreement and the Account up to the amount of the outstanding Account balance. Lender shall have the right to hold the policies and renewal certificates. H Lender requires, Borrower shall promptly give to Lender all receipts of paid prel1Úums and renewal notices. H Borrower obtains any form of insurance coverage not otherwise required by Lender, for damage to, or destruction of the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee, and Borrower further agrees to generally assign rights to insurance proceeds to the holder of the Agreement and the Account up to the amount of the outstanding Account balance. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, and subject to the rights of any holder of a mortgage, deed of trust, or other security agreement with a lien which has priority over this Security Instrument, any insurance proceeds, whether or not the Wlderlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is econol1Úcally feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect the Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the 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 eanñngs on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds, and shall be the sole obligation of Borrower. Subject to the rights of any holder of a mortgage, deed of trust, or other security agreement with a lien which has priority over this Security Instrument, if the restoration or repair is not econol1Úcally feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. H Lender believes that Borrower has abandoned the Property, Lender may file, negotiate and settle any available insurance claim and related matters. H Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property Wlder Section 21 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Agreement, the AccoWlt or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of Wlearned pre11Úums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property, Subject to the rights of any holder of a mortgage, deed of trust, or other security agreement with a lien which has priority over this Security Instrument, Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Agreement, the Account or this Security Instrument, whether or not then due. 6. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property, Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. H the Property is damaged, Wlless it is detennined pursuant to Section 5 that repair or restoration is not econol1Úcally feasible, Borrower shall promptly repair the Property to avoid further deterioration or damage. H insurance or conderrmation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Loan NO: 126847822 Wyoming Open-End Mortgage - Secondary Lien -THE COMPUANCE SOURCE, INc.- www.compliancesource.com Page 7 of 14 IIUlæl~IßIDæWWœmll 10~7WY 08102 02002,. The COfT1>liance Source. Inc. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 7. Borrower's Home Equity Line of Credit Application. Borrower shall be in default if, during the home equity line of credit application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, nùsleading, or inaccurate information or statements to Lender (or failed to provide Lender with material infonnation) in cormection with the Agreement, the AccoWlt or tlús Security Instrument Material representations include, but are not linùted to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 8. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that nùght significantly affect Lender's interest in the Property and/or rights Wlder tlús Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which has or may attain priority over tlús Security Instrument or to enforce laws or regulations), or (c) Lender believes that 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 tlús 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 linùted to: (a) paying any sums secured by a lien which has or may attain priority over tlús Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under tlús 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, elinùnate building or other code violations or dangerous conditions, and have utilities turned on or 011. Although Lender may take action Wlder this Section 8, Lender does not have to do so and is not Wlder any duty or obligation to do so, It is agreed that Lender incurs no liability for not taking any or all actions authorized Wlder this Section 8. Any amoWltS disbursed by Lender under tlús Section 8 shall become additional debt of Borrower secured by tlús Security Instrument if allowed Wlder Applicable Law. These amoWlts shall bear interest at the rate set forth in the Agreement ftom the date of disbursement and shall be payable, with such interest, upon notice ftom Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge UIÙess Lender agrees to the merger in writing, 9. Mortgage Insurance. Mortgage Insurance reimburses Lender (or any entity that purchases tile Agreement and tile AccoWlt) for certain losses it may incur if Borrower does not repay the Account as agreed. Borrower is not a party to the Mortgage Insurance, If Lender required Mortgage Insurance as a condition of entering into the Agreement and establislúng the ACCOWlt, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. 10. Assignment of Miscellaneous Proceeds; Forfeiture. The Miscellaneous Proceeds of any award or claim for damages, direct or consequential, in cormection with any condemnation or other taking of the Property, or any part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to tile terms of any mortgage, deed of tmst or otller security agreement with a lien which has priority over this Security Instrument. If the Property is damaged and if the restoration or repair is econonùcally feasible and Lender's security is not lessened, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, 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 Wldertaken 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 Loan NO: 126847822 Wyonúng Open-End Mortgage - Secondary Lien -THE COMPLIANCE SOURCE, mc.- www.compJiance80lD.Ce.com Page 8 of 14 1lllllUnllllmml~mlll 10~7WY 08102 ()2002. Tho Corrpliancc Source. Inc. OOU4' i'O or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earIÚngs on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. If Lender believes that the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, then Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impainnent of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impainnent of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impainnent of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 11. 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 commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including. without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 12. Joint and Several Liability; Co-signers; Successors and Assigns Bound. When Borrower (as that term is deimed above) includes more than one person, Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Agreement (a "co-signer"): (a) is co-signing this Security Instrument OIÙY 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, fOIùear or make any accommodations with regard to the tenns of this Security Instrument or the Agreement without the co-signer's consent. Subject to the provisions of Section 17, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument wùess Lender agrees to such release in writing, The covenants and agreements of this Security Instrument shall bind (except as provided in Section 19) and benefit the successors and assigns of Lender. 13. Account Charges. Lender may charge Borrower fees for services perfonned in colUlection with Borrower's default, for the ptupose of protecting Lender's interest in the Property and rights under this Security Instrument, as allowed under Applicable Law, including, but not limited to, attorneys' fees, property inspection and Loan NO: 126847822 Wyoming Open-End Mortgage - Se"ondary Lien -THE COMPUANCE SOURCE, INc.- www.compJiance~1D"ce.com Page 9 of 14 IIUlllnlllmml~mll 10367WY 0&'02 02002. The COITFliance Source, Inc. ,r', {"l\,A ?'j. '1., <)I 1U' '1: valuation fees, In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender shall have the authority to impose additional fees and charges to perform services requested by or on behalf of Borrower, or to otherwise administer and service the Agreement and the Accooot The additional fees and charges may include administrative costs incurred by Lender and/or in reimbursement of payments made by Lender to third parties. Such fees and charges may include, without limitation, any and all costs or fees associated with the origination and/or servicing of such Agreement and the Accooot, document copy or preparation fees, transmittal, facsimile or delivery fees, reconveyance and release fees, property inspections and returned check or insufficient funds charged in cOIUlection with payments made by or on behalf of Borrower ooder the Agreement and all other such fees for ancillary services performed by Lender for Borrower or at Borrower's request or for services necessitated by or resulting from Borrower's default or malfeasance relating to this Security Instrument or the Agreement or incurred by Lender or assessed upon Borrower pursuant to the provisions of this Security Instrument or the Agreement. Such fees and charges shall be secured by this Security Instrument up to the amooot of the Credit Limit and, ooless Borrower and Lender agree to other tenns of payment, shall bear interest from the date assessed by Lender at the rate stated in the Agreement, and in effect from time to time, and shall be payable, with interest, immediately following written demand from Lender to Borrower requesting payment thereof. Lender may not charge fees that are eX'Pressly prohibited by this Security Instrument or by Applicable Law. The absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. If either the Agreement or the Accooot is subject to a law wlùch sets maximum loan charges, and that law is fInally interpreted so that the interest or other charges collected or to be collected in connection with the Agreement and the AccolUlt exceed the pennitted lhnits, then: (a) any such charge shall be reduced by the amooot necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded pennitted limits will be refwlded to Borrower, Lender may choose to make this refood by reducing the principal owed ooder the Agreement or by making a direct payment to Borrower. If a refood reduces principal, the reduction will be treated as a partial prepayment. Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower may have arising out of such overcharge, 14. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by fJrSt class mail or when actually delivered to Borrower's notice address if sent by other means, Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall OIÙY report a change of address through that specified procedure, There may be only one designated notice address ooder this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by fJrSt class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender ooill actually received by Lender. If any notice required by this Security Instrument is also required ooder Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement ooder this Security Instrument. 15. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federa1law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prolùbition against agreement by contract In the event that any provision or clause of this Security Instrument or the Agreement conflicts with Applicable Law, such conflict shall not affect otller provisions of this Security Instrument or the Agreement which can be given effect without the conflicting provision. Loan No: 126847822 Wyondng Open-End Mortgage - Secondary Lien -THE COMPLIANCE SOURCE, INc.- www.compliancc..ource.com PagldO of14 1IIIIIIIIIIIImmmœml 10~7WY DØI02 02(XJ2. The COß1)liance Source. Inc. )4 ?'2 As used in this Security Instrument: (a) words of the masclÙine gender shall mean and include corresponding neuter words or words of tIle fenúnine gender; (b) words in tIle singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 16. Borrower's Copy. Borrower shall be given one copy of the Agreement and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 17, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of wllich is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums seçured by tlùs Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 14 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower, 18. Borrower's Right to Reinstate Mter Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have emorcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums wllich then wOlÙd be due Wlder this Security Instrument and the Agreement as if 110 acceleration had occurred; (b) cures any defalÙt of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, as allowed Wlder Applicable Law; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights Wlder this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue Wlchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or casllier'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 FWlds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration Wlder Section 17. 19. Sale of Agreement/Account; Change of Loan Servicer; Notice of Grievance. The Agreement and the AccoWlt, or a partial interest in the Agreement and the AccoWlt (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might reslÙt in a change in the entity (known as the "Loan Servicer") that collects the Periodic Payments due Wlder the Agreement and this Security Instrument and performs other mortgage loan servicing obligations Wlder the Agreement, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan SeIVicer unrelated to a sale of the Agreement and the AccoWlt. If there is a change of the Loan Servicer, if required Wlder Applicable Law, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other infonnation RESP A requires in connection with a notice of transfer of seIVicing. If the Agreement and the AccoWlt are sold and thereafter the Agreement and the ACCOWlt are serviced by a Loan Servicer other than the purchaser of the Agreement and the AccoWlt, the mortgage loan servicing obligations will remain with the Loan Servicer or be transferred to a successor Loan SeIVicer and are not assumed by the purchaser of the Agreement and the AccoWlt unless otherwise provided by the purchaser. Loan No: 126847822 Wyonùng Open-End Mortgage- Secondary Lien -THE COMPLIANCE SOURCE, INc.- www.compliancc!.Ource.com Page 11 of14 1~lllm~I~lmIMœmmMII J0567WY 08102 02(102, The COlTJ'Iiance So=o,I"", 000473 Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 14) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this Section 19. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 21 and the notice of acceleration given to Borrower pursuant to Section 17 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 19. 20. Hazardous Substances. As used in this Section 20: (a) "Hazardous Substances" are those substances defmed as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flanunable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defmed in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup, Borrower shall not cause or pennit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the 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 (including, but not limited 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 governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which 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 Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Events of Default; Acceleration; Remedies. The occurrence of anyone or more of the following events shaD, at the election of Lender, constitute an "Event of Default," and shaD entitle Lender to tenninate the Agreement and the Account and acceJerate the indebtedness secured hereby: (a) any Borrower engages in fraud or material misrepresentation, whether by action or omission, in connection with any phase of the Agreement; (b) Borrower fails to meet the repayment tenns set forth in the Agreement; or (c) Borrower's action or inaction adverseJy affects the Property or Lender's security interest, including, but not limited to, Borrower's actions or omissions that constitute "Events of Default" under the Agreement, or Borrower's failure to perfonn any material covenants or agreements contained in this Security Instnunent. Lender shall give notice to Borrower prior to accelenltion following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 17 unless Loan No: 126847822 Wyoming Open-End Mortgage - Secondary Lien -THE COMPUANCE SOURCE, INc.- www.complianccM>urce.com Page 12 of14 111111111.111111 10S67WY 08102 02002, The C0l11>liaooe Source. 100, t~,i';¡t'v474 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 notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. H the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence. H Lender invol,es the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 14. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to aU sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Release. Upon request from Borrower and upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs, Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law, 23. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming, REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Security Instrument to give notice to Lender, at Lender's address set forth on page two of this Security Instrument, of any default under the superior encumbrance and of any sale or other foreclosure action. [Signatures on Following Page) Loan NO: 126847822 Wyonúng Open-End Mortgage - Secondary Lien -THE COMPLIANCE SOURCE, INc.- www.compliancc..liource.com Page 13 of14 IIWllllllmmmœWI 10567WY 08102 02002. The C0"1'lia""" Source,lnc, 00047)5 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: ~d.~ ~t Name Jë.l1'ery 4.J:J-I"'/t:tr- {Pléase Completèf -!:: a.4L . ted Name Júr~ ~. G(~ (Please Complete) ~{]Á NIELSEN (Seal) -Bon·ower Printed Name ~~ Jþ~~ 1!LJ TI\MI NIELSEN (Sèal) -Borrower Printed Name (Seal) -Borrower Printed Name (Seal) -Borrower Printed Name [Space Below This Une For Acknowledgment] State of \~"\ DfrÙ Vìq County of Lwx 0\ n § § § Before me the undersigned authority, on this day personally appeared JASON NIELSEN and TI\MI NIELSEN , known to me (or proved to me through an identity card or other document) to be the person(s) whose name is subscribed to the foregoing instrument, and acknowledged to me that he/she/they executed the same for the purposes and consideration therein expressed. I f)T'H- ~ Given Wlder my hand and seal on this \JI ~aY of . (Seal) . . ,Q,..~ _U/lpþ No Public AyYl,{~ L WHt=e~ Printed Name My Commission Expires: ~Vch fJ ,WII Loan No: 126847822 Wyonñng Open-End Mortgage - Secondary Lien -THE COMPLIANCE SOURCE, 1Nc.- www.compJianco!lource.com Page14of14 1IIIIIIIIIWmlllH 10S67WY 08102 ()2002. The C"""lianco SOl...... IT<:, Exhibit A NAME(S) : JASON NIELSEN AND TAMI NIELSEN LONG LEGAL: LYING AND BEING LOCATED IN THE TOWN OF AFTON, COUNTY OF UNCOLN, STATE OF WYOMING; ALL THAT CERTAIN PARCEL OR TRACT OF LAND KNOWN AS: LOT 15 OF ROCKBRIDGE MEADOWS FIRST ADDITION TO THE TOWN OF AFTON, UNCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT FILED ON JULY 14, 2005 AS INSTRUMENT NO. 909983 OF THE RECORDS OF THE UNCOLN COUNTY CLERK. TAX MAP#: 32183010031600 0004?'6