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HomeMy WebLinkAbout932563 .::so~ 601071.J/.Jö After Recording Return To: SECURITYNATlONAL MORTGAGE COMPANY 5300 SOUTH 360 WEST SUITE 150 MURRA Y, UTAH 84123 LOAN NO.: 0000389564 RECEIVED 8/28/2007 at 2:15 PM RECEIVING # 932563 BOOK: 670 PAGE: 248 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY ESCROW NO.: TITLE NO.: 6010715758 PARCEL NO.: 12-3219-25-4-00-024-00 000248 MIN NO.: 1000317-0000389564-2 [SPACE ABOVE THIS LINE FOR RECORDING DATA] - MORTGAGE DEFINITIONS Words used in multiple sections of this document are detined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16, , "' L- li ~\ VI .~/ (A) "Security Instrument" means this document, which is dated AUGUST with all Riders to this document. 22 2007 ,together (B) "Borrower" is BILL R. BREWER, A MARRIED MAN Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O, Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS, (D) "Lender" is SECURITYNATlONAL MORTGAGE COMPANY, A UTAH CORPORATION Lender is a A UTAH CORPORATION of UTAH 5300 SOUTH 360 WEST SUITE 150; MURRAY, UTAH 84123 organized and existing under the laws Lender's address is Initials"3?6~ _ _ _ _ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 DOCPREP SERV{CE.\~ INC FORM· MMTGWYl-:1l51 Page 1 of 14 ORIGINAL 000249 (E) "Note" means the promissory note signed by Borrower and dated AUGUST 22 2007. The Note states that Borrower owes Lender NINETY FIVE THOUSAND AND 00/100------------------------------------------------- Dollars (U.S. $ 95,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than SEPTEMBER 01 2037 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property, " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower, The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Condom.Ï1ùum Rider D Planned UIÙt Development Rider D Biweekly Payment Rider D Balloon Rider D D 1-4 Fanùly Rider D Second Home Rider D Assumption Rider D Inter Vivos Trust Rider Other(s) [specify]: (l) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and adnùlùstrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicialopÜùons, (J) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condonùlùum association, homeowners association or sinùlar orgalùzation, (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or sinùlar paper instrument, which is Üùtiated through an electronic tenninal, telephOlùc instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not linùted to, point-of-sale transfers, automated teller machine transactions, transfers Üùtiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3, (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) dalnage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) nùsrepresentations of, or onùssions as to, the value and/or condition of the Property, (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U,S,C, § 2601 et seq,) and its implementing regulation, Regulation X (24 CF ,R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs Ùle same subject matter. As used in ùlÌs Security Instrument, "RESP A" refers to all requirements and restrictions Ùlat are imposed in regard to a "federally related mortage loan" even if Ùle Loan does not qualify as a "federally related mortgage loan" under RESP A, (Q) "Successor in Interest of Borrower" means any party Ùlat has taken title to Ùle Property, wheÙler or not ùlat party has assumed Borrower's obligations under the Note and/or ù1Ís Security Instrument. LOAN NO.: 0000389564 Initials bR.f::, -fjI!J _ _ _ _ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 DOCPREP SERVICES, INC. FORM· MMTGWY1-:1151 Page 2 of 14 ORIGINAL TRANSFER OF RIGHTS IN THE PROPERTY 000250 This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instnl1nent and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the COUNTY of Lincoln [Type of Recording Jurisdiction] [Nnme of Recording Jurisdiction] LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF PARCEL NO.: 12-3219-25-4-00-024-00 which currently has the address of 254 LINCOLN STREET [Cily/Area] [Street] , Wyoming 83110 [Zip Code] ("Property Address "): AFTON TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property, " Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument; but, if necessary to comply with the law or custom, MERS (as nonúnee for Lender and Lender's successors and assigns) has the right: to exercise any or all those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and delnands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines múform covenants for national use and non-uIÚfoTln covenants with limited variations by jurisdiction to constitute a múfoTln security instrument covering real property. LOAN NO.: 0000389564 Initials'R$~_ _ __ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 DOCPREPSERVlCES. INC. FORM· MMTGWYl-31S1 Page 3 of 14 ORIGINAL 0002'51 UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note, Borrower shall also pay funds for Escrow Items pursuant to Section 3, Payments due under the Note and tins Security Instrument shall be made in U. S, currency. However, if any check or otller instrument received by Lender as payment under tile Note or tins Security Instrument is returned to Lender unpaid, Lender may require tllat any or all subsequent payments due under tile Note and tins Security Instrument be made 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 Funds Transfer, Payments are deemed received by Lender when received at tile location designated in tile Note or at such otller location as may be designated by Lender in accordance Witll tile notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payment are insut1icient to bring tile Loan current. Lender m.ay accept any payment or partial payment insufficient to bring the Loan current, witllOut waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at tile 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 funds. Lender may hold such unapplied funds until Borrower makes payment to bring tile Loan current. If Borrower does not do so witl1Ín a reasonable period of time, Lender shall eitller apply such funds or return tllelU to Borrower. If not applied earlier, such funds will be applied to tile outstanding principal balance under tile Note immediately prior to foreclosure. No offset or claim which Borrower nùght have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or perfornùng tile covenants and agreements secured by tl1Ís Security Instrument. 2. Application of Payments or Proceeds. Except as otllerwise described in tl1Ís 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 tile Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in tile order in which it became due. Any remaining amounts shall be applied first to late charges, second to any otller amounts due under tl1Ís Security Instl1uuent, and tllen to reduce tile principal balance of tile Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sut1icient amount to pay any late charge due, tile payment may be applied to the delinquent payment and the late charge, If more tllan one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to tile repayment of tile Periodic Payments if, and to the extent tllat, each payment can be paid in full. To tile extent tllat any excess exists after tile payment is applied to tile full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied tirst to any prepayment charges and tllen as described in tile Note, Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under tile Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on tile day Periodic Payments are due under tile Note, until tile Note is paid in full, a sum (tile "Funds") to provide for payment of amounts due for: (a) taxes and assessments and otller items which can attain priority over this Security Instrument as a lien or encumbrance on tile Property; (b) leasehold payments or ground rents on tile Property, if any; (c) prenùums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance prennums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance prennums in accordance LOAN NO.: 0000389564 InitiaIS~~_ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS ÐOCPREP SERVICES, INC. FORM· MMTGWYl·3151 Page 4 of 14 ORIGINAL --- Form 3051 I/OI 000252 with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay tlle Funds for any or all Escrow Items, Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing, In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment witllin 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 tllis Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall tllen 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, tlut are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to pernùt Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the nuximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA, Lender shall not charge Borrower for holding and applying tlle Funds, amlUally analyzing the escrow account, or verifying the Escrow Items, Ulùess Lender pays Borrower interest on the Funds and Applicable Law pernùts Lender to nuke such a charge. Ulùess 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, tllat interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an arulUal accounting of the Funds as required by RESPA, If there is a surplus of Funds held in escrow, as defined under RESP A, Lender shall account to Borrower for tlle excess funds in accordance with RESP A, If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to 11lake up tlle shortage in accordance with RESP A, but in no more tllan 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender tlle amount necessary to make up the deficiency in accordance with RESP A, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on tlle Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay tllem in tlle mallller provided in Section 3, Borrower shall promptly discharge any lien which has priority over this Security Instrument Ulùess Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a nUlmer acceptable to Lender, but OlÙy so long as Borrower is performing such agreement; (b) contests the lien in good faith by, LOAN NO.: 0000389564 Initials 'J;;gj;<M~ _ _ _ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ~R~ Form 3051 1/01 DOCPREP SERViCES, INC FORM· MMTGWY1·:1151 Page 5 of 14 ORIGINAL 000253 or defends against enforcement of the lien in, legal proceedings whiCh in Lender's oplmon operate to prevent the enforcement of Úle lien while Úlose proceedings are pending, but only until such proceedings are concluded; or (c) secures from Úle holder of Úle lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over úlÌs Security Instrument, Lender may give Borrower a notice identifying Úle lien, Within 10 days of Úle date on which Úlat notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax veritication and/or reporting service used by Lender in connection with úlÌs Loan. S. Property Insurance. Borrower shall keep Úle improvements now existing or hereafter erected on the Property insured against loss by tire, hazards included within Úle term "extended coverage," and any other hazards including, but not limited to, earÚlquakes and tloods, for which Lender requires insurance. This insurance shall be maintained in Úle amounts (including deductible levels) and for Úle periods that Lender requires, What Lender requires pursuant to the preceding sentences can change during Úle term of Úle Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably, Lender may require Borrower to pay, in connection WiÚl this Loan, eiÚler: (a) a one-time charge for tlood zone determination, certitication and tracking services; or (b) a one-time charge for flood zone determination and certitication services and subsequent charges each time remappings or similar changes occur which reasonably might affect such deternlÌnation or certitication, Borrower shall also be responsible for Úle payment of any fees imposed by Úle Federal Emergency Management Agency in cOlmection WiÚl the review of any tlood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of Úle coverages 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, Therefore, such coverage shall cover Lender, but might or nught not protect Borrower, Borrower's equity in the Property, or Úle contents of the Property, against any risk, hazard or liability and nught provide greater or lesser coverage Úlan was previously in effect. Borrower acknowledges that Úle cost of Úle insurance coverage so obtained might signiticantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under Úus Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from tlle date of disbursement and shall be payable, WiÚl such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have Úle right to hold the policies and renewal certiticates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices, If Borrower obtains any form of insurance coverage, not oÚlerwise required by Lender, for damage to, or destruction of, tlle Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee, In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not Úle underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance 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 disburse proceeds for Úle repairs and restoration in a single payment or in a series of progress payments as the LOAN NO.: 0000389564 Initials m~ _ _ _ _ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 DOCPJ<EPSERVlCES, INc. FORM· MMTGWYlc31S1 Page 6 of 14 ORIGINAL 000254 work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instllllnent, 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. If Borrower abandons the Property, Lender may tile, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that tlle 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 under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned prelniums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property, Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the, Note or this Security Instrument, whether or not then due, 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrow~r's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or COll11nit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the 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 ti1at repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or dalnage, If insurance or condell1l1ation proceeds are paid in connection with damage to, or the taking of, the 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 the work is completed. If tile insurance or COndell11lation proceeds are not sufticient to repair or restore the Property) Borrower is not relieved of Borrower's obligation for tile completion of such repair or restoration, Lender or its agent nmy nlake reasonable entries upon and inspections of tile Property, If it has reasonable cause, Lender UlaY inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave lnaterially false, lnisleading, or inaccurate information or statements to Lender (or failed to provide Lender Witil nlaterial information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence, 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might signiticantly affect Lender's interest in the Property and/or rights under this LOAN NO., 0000389564 I"lti'hJ¡;j{b~_ _ _ _ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 ÐOCPREP SERVlCES,ING. FORM· MMTGWYloJlSl Page 7 of 14 ORIGINAL 000255 Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which lnay attain priority over this Security Instl11111ent or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding, Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so , It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9, Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, widl such interest, upon notice from Lender to Borrower requesting payment. If dlis Security Instnlluent is on a leasehold, Borrower shall comply with all dIe provisions of dIe lease, If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing, 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of lnaking tlle Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, dIe Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer dlat previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to tlle cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender, If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance, Such loss reserve shall be non-refundable, notwitllstanding tlle fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or eanùngs on such loss reserve, Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for dIe period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward tlle premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of lnaking dIe Loan and Borrower was required to lnake separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases tlle Note) for certain losses it may incur if Borrower does not repay tlle Loan as agreed, Borrower is not a party to the Mortgage Insurance, Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements witll other parties that share or modify their risk, or reduce losses, These agreements are on tenns and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to lnake payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums) . LOAN NO.: 0000389564 Initials'"ß'RB.q¿- _ _ _ _ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 DOCPR£PS£RVIC£S, INC. FORM· MMTGWYl·3151 Page 8 of 14 ORIGINAL 000256 As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might 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 the premiums paid to the insurer, the arrangement is often termed "captive reinsurance," Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, andlor to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds 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 eanùngs on such Miscellaneous Proceeds. If the restoration or repair is not econonùcally feasible or Lender's security would be lessened, tlle Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not tilen due, witil the excess, if any, paid to Borrower. In tile event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before tile partial taking, destruction, or loss in value is equal to or greater than the amount of tile sums secured by tilÌs Security Instrument immediately before tile partial taking, destruction, or loss in value, Ulùess Borrower and Lender otherwise agree in writing, tile sums secured by tilÌs Security Instrument shall be reduced by tile amount of tile Miscellaneous Proceeds multiplied by tile following fraction: (a) tile total amount of tile sums secured immediately before tile partial taking, destruction, or loss in value divided by (b) tile fair market value of tile Property inllllediately 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 wllÌch the fair market value of tile Property immediately before the partial taking, destruction, or loss in value is less tilan tile amount of the sums secured immediately before tile partial taking, destruction, or loss in value, U1ùess Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whetiler or not tile sums are then due. LOAN NO.: 0000389564 InitialS~~_·_ __ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 DOCPREP SERVlCES, INC. FORM· MMTGWY1·J151 Page 9 of 14 ORIGINAL 00025~ If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as de tined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due, "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds, Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment 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 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 the Property shall be applied in the order provided for in Section 2, 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or moditication of amortization of the sums secured by this Security Instrument granted oy 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 linútation, 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. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-sigmng tiús Security Instrument only to mortgage, grant and convey the co-signer's interest in tile Property under tile 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 otiler Borrower can agree to extend, modify, forbear or make any accommodations with regard to tile terms of tiús Security Instrument or the Note without tile co-signer's consent. Subject to tile provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under tiús Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benetits under tiús Security Instrument. Borrower shall not be released from Borrower's obligations and liability under tiús Security Instrument unless Lender agrees to such release in writing, The covenants and agreements of tiús Security Instrument shall bind (except as provided in Section 20) and benetit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection Witil Borrower's default, for tile purpose of protecting Lender's interest in tile Property and rights under this Security Instrument, including, but not linúted to, attorneys' fees, property inspection and valuation fees. In regard to any otiler fees, tile absence of express autilOrity in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by tiús Security Instrument or by Applicable Law. LOAN NO.: 0000389564 Initials']R6 M- _ _ _ _ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ~R~ Form 3051 1/01 DOCPREP SERVICES, INC. FORM· ~'IMTGWYICJlSl Page 10 of 14 ORIGINAL 000258 If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in cOllilection with the Loanexceed the permitted limits, then: (a) any such lban charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in cOllilection with this Security Instnllnent must be in writing. Any notice to Borrower in cOllllection with tlus Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means, Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise, The notice address shall be 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, then Borrower shall O1ùy report a change of address through that specified procedure, There may be O1Ùy one designated notice address under this Security Instrument at anyone time, Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein U1ùess Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instmment are subject to any requirements and limitations of Applicable Law. Applicable Law nught explicitly or implicitly allow the parties to agree by contract or it nught be silent, but such silence shall not be constmed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or tlle Note contlicts with Applicable Law, such contlict shall not affect other provisions of this Security Instrument or the Note which can be given effect without tlle contlicting provision, As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneticial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) WitllOut Lender's prior written consent, Lender may require immediate payment in full of all sums secured by tl1Ìs Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. LOAN NO.: 0000389564 Initials~ ~ _ _ __ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 DOCPREP SERVlCEs.INC, FORM· MMTGWY1-:1l51 Page 11 of 14 ORIGINAL 000259 If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After AcceleratioA. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Ûlstrument discontinued at any time prior to the earliest of: (a) tive days before sale of the Property pursuarlt to Section 22 of this Security Instrument; (b) such other period as Applicable Law might specify for the termi$tion of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those coþditions are that Borrower: (a) pays Lender all sums which then would be due under tlils Security Instrumept and tile Note as if no acceleration had occurred; (b) cures any default of any otller covenants or agreements; kc) pays all expenses incurred in enforcing tlils Security Instnllnent, including, but not linilted to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for tile purpose of protecting Lender's interest in tile Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure tllat Lender's interest in tile Property and rights under tl1Ís Security Instrument, and Borrower's obligation to pay tile sums secured by tl1Ís Security Instrument, shall continue unchanged unless as otherwise provided under Applicable Law, Lender may require that Borrower pay such reinstatement sums 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 Funds Transfer. Upon reinstatement by Borrower, tl1Ís Security Instrument and obligations secured hereby shall relnain fully effective as if no acceleration had occurred, However, tl1Ís right to reinstate shall not apply in the case of acceleration under Section 18, 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in tile Note (together witll this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in tile entity (known as tile "Loan Servicer") tllat collects Periodic Payments due under tile Note and tl1Ís Security Instrument and performs other mortgage loan servicing obligations under tile Note, tl1Ìs Security Instnl111ent, and Applicable Law, There also might be one or more changes of tile Loan Servicer unrelated to a sale of tile Note, If tllere is a change of the Loan Servicer, Borrower will be given written notice of tile change which will state tile name and address of tile new Loan Servicer, tile address to which payments should be made and any otller infonnation RESPA requires in cOllilection witll a notice of transfer of servicing. If tile Note is sold and tllereafter the Loan is serviced by a Loan Servicer otller than the purchaser of tile Note, tile mortgage loan servicing obligations to Borrower will remain with tile Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otllerwise provided by tile Note purchaser, Neitller Borrower nor Lender may commence, J0111, or be joined to any judicial action (as eitller an individual litigant or tile member of a class) tllat arises from tile otller party's actions pursuant to tl1Ìs Security Instrument or tllat alleges that tile otller party has breached any provision of, or any duty owed by reason of, tl1Ís Security Instrument, until such Borrower or Lender has notified tile other party (with such notice given in compliance Witll tile requirements of Section 15) of such alleged breach and afforded tile otller party hereto a reasonable period after tile giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, tllat time period will be deemed to be reasonable for purposes of tl1Ís paragraph, The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy tile notice and opportUlúty to take corrective action provisions of this Section 20. LOAN NO.: 0000389564 Initialsm~_ _ __ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 DOCPREP SERVlCES, INC. FORM· MMTGWYEI151 Page 12 of 14 ORIGINAL OOO:GbV 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances detined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as detined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Envirolllilental Law, (b) which creates an E¡1Vironmental 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 govenunental or regulatory agency or private party involving the Property and any Hazardous Substance or Enviromnental Law of which Borrower has actual knowledge, (b) any Envirolllilental 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 atJects the value of the Property, If Borrower learns, or is notitied by any govermnental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance atJecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Enviromnental Law, Nothing herein shall create any obligation on Lender for an Enviromnental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured 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 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner 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 all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security 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 pennitted under Applicable Law. LOAN NO.: 0000389564 Initials î§{f;~ _ _ _ _ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Form 3051 1/01 ÐOCPREP SERV[CE~: INC. FORM· MMTGWYhl151 Page 13 of 14 ORIGINAL 000261 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: E,:jf/if3/Uü >+JJ\ BILL R. REWE (Seal) -Borrower ø~ (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower LOAN NO.: 0000389564 (Seal) -Borrower (Seal) -Borrower [Space Below This Line For Acknowledgment] STATE OF WYOMING, LINCOLN COUNTY SS: The foregoing instrument was acknowledged before me this by BILL R. BREWER AND GINA BREWER 22nd day of August, 2007 (date) (person acknowledging) My conunission expires: 9-15-07 ~ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS DOCPREP SERVICES, INC. FORM· MMTGWY¡':1151 Page 14 of 14 ORIGINAL Form 3051 1/01 000262 Exhibi t A File 6010715758: Description The land referred to in this document is situated in the State of Wyoming, County of Lincoln, and is described as follows: Lot 19 of Lincoln Third Addition to the Town of Afton, Lincoln County, Wyoming as described on the official plat filed on November 30, 2006 as instrument No. 924889 of the records of the Lincoln County Clerk.