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HomeMy WebLinkAbout934138 /lCl~ ¡....' After recording please return to: INIJYMAC~, F.S.B., C/O J:XX:U.1ENI' ~ {Company Name} [Name of Natural Person} :au:x; B, 901 E 104'IH gr, surm 400/500 {StTeet Address} RECEIVED 10/1712007 at 2:53 PM RECEIVING # 934138 BOOK: 675 PAGE: 847 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY 000847 KANSAS CI'IY, tfD 64131 [City. State Zip Code} (Space Above Thís Une For Recording Data) MORTGAGE ) DE~ONS NUN 100055401279360376 Words used in multiple sections oftlús document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain mles regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, willch is dated togetJler with all Riders to this document. october 4, 2007 (8) "Borrower" is BRANIX)N S SANaiEZ AND CINDY A SANCHEZ . BOIIower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage ElectrOIÚC 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 Instnunent. MERS is organized and existing under the laws of Delaware. and has an address and telephone number ofP.a. Box 2026. Flint, MI 48501-2026. tel. (888) 679-MERS. (D) "Lender" is INDYMAC BANK, F. S.B., A FEDERALLY CHARTERED SAVJ:N3S BANK Lender is a Federal Savings Bank organized and existing under the laws of Uhited States of AIœri.ca . Lender's address is 155 WR'IH LAKE AVENUE, PASADENA, CA 91101 Loan NO: 127936037 Wyomfn: Mortgace-Sin&1o Family-Fannie MaelFreddieMac UNIFORM INSTRUMENT -THE COMPLIANCE SOURCE, INc.- Page 1 of 14 www.oroJplian~_,coro III1IIIIIII1111 MERS Modilled Fonn 3051 01101 14J~IWY OMlD 02000, 'lb. C.....plìonoe Sol...... Inc. 000848 (E) "Note" means the prOßÙsso¡y note signed by Borrower and dated Octd:;)er 4, 2007 The Note states that Borrower owes Lender two hundred ninety six tbalsand arxì ro/100ths Dollars (U.S. $ 296 , 000. 00 ) plus interest Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in fiùl not latertban Novarber 1, 2037 . (F) "Property" means the property that is descnòed below llllder 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 llllder this Security Instrwnent, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The fol1owing Riders are to be executed by Borrower [check box as applicable]: o Adjustable Rate Rider o Balloon Rider o 1-4 Family Rider o Other(s) (specify] o Condominium Rider o Planned Unit Development Rider o Revocable Trust Rider o Second Home Rider o Biweekly Payment Rider (I) "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 final, non-appealable judicial opinions. (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 condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of fimds, other than a transaction originated by check, draft. or similar paper instrument, which is initiated through an electronic terminal, teleph01Ùc 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 limited to, point-of-saIe transfers, automated teller machine transactions, transfers initiated 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 llllder the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of aU or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions 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 (il) any amoWlts under Section 3 of this Security Instrument Iœn No: 127936037 WyomJlIg Morfpge-Siogle Family.Famde MaelFreddic Mae UNIFOR1\IINSTRU1\IENT -TIm CoMPLIANCE SOURCE, INc.- Pace 2 of 14 www·.......--..-·OM1IIIIIIIIIIIIIII MERS ModlOed Fonn 3051 OM)1 1U01WY OMIO O2OQO. The CompliulCC Sooroo, Ino, 00084G (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R Part 35(0), as they might be amended ftom time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESP A" refers to all requirements a,¡d restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federnlly related mortgage loan" under RESP A (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party bas assumed Borrower's obligations under the Note andlor this Security Instrument TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) tile repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Bouower's covenants and agreements under this Security Instrument and tbe Note. For tIús purpose, Bouower 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 ofMERS, witb power of sale, the following descnòcd property located in the O::u1ty of LINCDIN rrype of Recording Jurisdiction] [Name of Recording Jurisdiction) SEE EXHIBIT A ATmæED HERE'1O AND MADE A PART HEREXJF which CUJTeIltly has the address of GROVER , Wyoming 15 SIRAIGHT AND NARROW [Street] 83122 ("Property Address"): /ZIp Code) [City 1 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. AIl replacements and additions sbaJl also be covered by this Security Instrument. AD 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 tIús Security Instrument, but, ifnecessaty to comply witIllaw or custom, MERS (as nominee for Lender and Lender's successors and assigns) has'the right to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrwnenl 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 unencwnbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to anyencwnbranœs of record. Iœn No: 127936037 Wyomblg Mo~inglo Family-Fannie MaeIF1'eddie Mae UNIFORM INSTRUMENT -THE COMPLIANCE SOURCE, INc.- Page 3 of 14 .......complíoncesmlfÐ..-. '11111111111111 MERS Modified. Fonn 3051 01/01 løelWY lØlVe 02000. "D¥: Cmq>1ionce SouI<>O, Inc, 000850 THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a tmifonn security instrument covering real property. 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 this Security Instrument shall be made in U.S. currency. However, ìfany check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the foJlowing forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check., provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights 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 the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds mltil Borrower makes payment to bring the Loan current If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or perfonning the covenants and agreements secured by this Security Instnunent 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a):interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shan be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instnunent, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to thetrepayment of the Periodic Payments :if; and to the extent that, each payment can be paid in full To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment clwges and then as described in the Note. Any application of payments, insutance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the anlOunt, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, mltil the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) preßÚmns 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 prenùwns in accordance witll tbe 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 COßUllWlity Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, Iœn No: 127936037 wY·)Jnin~ Mort&qe-Single Family-Fannie MaelFreddie Mac: UNIFORM. INSTRUMENT -TBE COMPLIANCE SoURCE, INC.- Page 4 of 14 www.~~om III1IIIIIII1111 MERS Modifted Fonn 3051 01101 143e1WV_ 02000, 'Ibo Compliu¡co. 8<>1..... Inc. 000851. and such dues, fees and assessments shan be an Escrow Item Borrower shall promptly furnish to Lender all notices of amounts to be paid ooder this Section. Borrower shall pay Lender the Funds for Escrow Items UlÙess Lender waives Bonower's obligation to pay the Funds for any or an Escrow Items. Lender may waive Borrower's obligation to pay to Lender Foods for any or aU Escrow Items at any time. Any such waiver may only be in writing_ In the event of such waiver, Bonower 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 within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shan for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Bonower faits to pay the amount due for an Escrow Item, Lender may exercise its rights ooder Section 9 and pay such amount and Borrower shall then be obligated ooder Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and. upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA. and (b) not to exceed the ma.~ amount a lender can require ooder RESP A 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, TIle Foods shal1 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 DO later than the time specified Wlder 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 Foods 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 shall give to Borrower, without charge, an ammal accounting of the Funds as required by RESP A. If there is a sutplus of Foods held in escrow, as defined under RESP A, Lender shall accoWlt to Borrower for the excess funds in accordance with RESP A. If there is a shortage of Funds held in escrow, as defined under RESP A. Lender shall notify Bonower 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 a deficiency of Funds held in escrow, as defined under RESP A, Lender shall notitÿ Borrower as required by RESP A, and Borrower shall pay to Lender the amooot 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 swns secured by this Security Instrument, Lender shall promptly refund to Bonower 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 tlús Security Instroment, leasehold payments or ground rents on the Property, if any, and Commwrity Association Dues, Fees, and Assessments, if any. To the extent tbat these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrwnent unless 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 performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings wlùch in Lender's opinion operate to prevent the enforcement of the lien while 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. If Lender determines that any part of the Property is subject to a lien which can attain priority over tlús Security Instrwnent, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on wlùch Loan No: 127936037 Wyoming Morlgage-Single Fnmily-FalU1Je Mae/Frl:cldk Mac UNIFORM INSTRUl\fENT -THE COMPLIANCE SOURCE, INC.- Pace 5 oC14 www.oc>rnpüancesonRC·Cl.mllllln..1111111 MERS Modll1ecl Fonn 3051 01/01 IUOJWY 01lI00 QZOOO. The CNnpüuœ St11Irce, Inc. 00085-2 that 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 verification and/or reporting service used by Lender in connection with this Loan. 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 which Lender requires insurance. TIùs insurance shall be maintained in the amounts (including dedu.ctlole levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the tenn of the Loan. The insurance camer 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 coœection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one·time charge for flood zone detennination and certifica1Ïon services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responSlole for the payment of any fees imposed by the Fedeml Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower faits to maintain any of the 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 might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurcmce coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender lIDder this Section 5 shall become additional debt of Borrower secured by this Security Instrument These amolIDts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. AIl insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any fonn of insurance coverage, not otherwise required by Lender, for damage to, or destmction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee andlor as an additional loss payee. In the event of loss, Borrower shan give prompt notice to the insurance carrier and Lender. Lender may make proof ofloss jfnot made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restomtion or repair of the Property, if the restoration or repair is economically feaS101e 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 OppOrtUIÜty 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 the repairs and restomtion in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other 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 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. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related maUers. If Borrower does not respond within 30 days to a notice from Lender tbat the insurance canier has Iœn No: 127936037 Wyomin¡: Mort¡:a¡:e-SingICl Family-Famùe MaelFmldie Maç UNIFORM INSTRUMENT -Tm: COMPLIANCE SOURCE. INc.- l'a¡:e 6 or 14 www·~Ot.m111111111111111 MERS M04ifted Form. 3051 01/01 14JD1WY DIIIOtI 02000, 1ba COOIplionco 1koI..... Inc. 000853 offered to settle a claim, then Lender may negotiate and settle the c1aitn. 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 Wlpaid under the Note or this Security Instnunent. and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums 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 insurnnce proceeds either to repair or restore the Property or to pay amounts unpaid lUlder the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence witlùn 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at lœst 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 Protecûon of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or coßUDÌt 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. Unless it is detennined pursuant to Section 5 that repair or restoration is not econonúcaUy feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage: If insurance or condenmation proceeds are paid in connection witll damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released pCQceeds for such purposes. Lender may disburse proceeds for the repairs and restomtion in a single payment or in a series of progress payments as the work is completed. If the insmance or condenmation proceeds are not sufficient to repair or restore the Property, Borrower is DDt relieved of Borrower's ob1igatìon for the completion of such repair or restoration. Lender or its agent may make reasooable entries upon and inspections of the Property. If it bas reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower noûce at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in defauIt 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 materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material iIúonnation) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as BOlTower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Seturity Instrument. If (a) BOITower fails to peñonn the covenants and agreements contained in this Security Instrmnent, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights 1Ulder tlùs Security Instrument (suclL as a proceeding in bankruptcy, probate, for condenmation or foñeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing tlte value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not Hooted to: (a) paying any smns secured by a lien which bas priority over this Security Instmment; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Secwity Instnnnent, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not linùted to, entering the Property to make repairs, change locks, replace or board up doors and wiIÌdows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities tomed on or off. Although Lender may take action Wider this Section 9, Lender does not have to do so and is not wtder 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. Iœn No: 127936037 Wyominl J.\:Iortgage-Single FlUTlily-Fannie MM'1Freddie Mac UNIFOR1\[ INSTRUMENT -TlŒCO~IPLlANCESOURCE,INC.- Page 70f14 www.......,-'O...>m III1IIIIIII1111 MERS ModiIied Fonn 3051 011111 I4JQIWY IIJ/IJO 02000, 1he C<>ÞIpIÏIJ1ce 900..... 1110. 000854 Any amounts disbursed by Lender under this Section 9 sball become additional debt of Borrower secured by this Security Instrument These amounts shall bear interest at the Note rate ftom the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment If t1ùs Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortg-dge Insurance as a condition of making the Loan, Borrower shall pay the premiwns required to maintain the Mortgage Insurmce in effect If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiwns for Mortgage Insurance, Borrower shall pay the premiwns required to obtain coverage substantially equivalent to the Mortgage InS1mU1ce previously in effect. at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect. from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insmance covemge ceased to be in effect. Lender will accept, use and re1ain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in ful1, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period tllat LendQ' requires) provided by an insurer seJ~ by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated paymcnts toward the prenùwns for Mortgage Insurance; Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tennination or until tefDÚnation 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 the Note) for certain losses it may incur if Borrower does not repay tlle Loan as agreed. Borrower is not a party to the Mortgage Insurnnce. Mortgage insurers evaluate their total risk on aU such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms 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 make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). 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 tWit 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 prenùums 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 wiD owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affcct 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 ma,' include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage huurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were uuearned at the time of such cancdlation or tennination. Uan No: 127936037 wyo1lw,& MortPIe-Singlc Family-Fannie MaelFredd1e Mac UNIFORM INSTRUMENT -'I'm!: COMPLIANCE SOURCE, INc.-- Pace 8 of 14 ~.~~rom III1IIIIIIII111 MERS Mo4UledFonn 3051 01/01 143G1WY IIIfOG 02000. The Cm>pliance Soon:e. Inc. 000855 11. Assignment of Miscellaneous Proceeds; Foñeiturc. All MisceUaneous Proceeds are hereby assigned to and shal1 be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoraûon or repair is economically reasible 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 bad an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, prqvided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursemen1 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 sucb 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 economically feasible or Lender's security would be lessened, the Miscel1aneous 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 Instnunent, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by t1ùs Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the fo1Iowing fraction: (a) the total amount of the sums secured inunediate1y before the partial taking, desbuction, or loss in value divide~ by (b) the fajr market value of the Property inunediately before the 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 the Property in which the fair market va)ue of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured innnediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to co1Iect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sUms secured by this Securi1y Instrument, whether or Dot then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom BOlTower bas a right of action in ~gard to Miscellaneous Proceeds. BOlTOwer shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in foñeiture of tbe Propeny 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 OCCUlTed, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes foñeiture of the Property or other rnateJ:ial 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 impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. AIl Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in tIle order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the tùne 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 shaU not be required to commence proceedings against any Successor in Interest of ú:Jan No: 127936037 Wyomfn ( Mortpee-.~inglo PlUnily-Fannie MaelFredcl1e Mae UNIFORM :INSTRUMENT -THE COMPLIANCE SOURCE, INC"..-- Page 9 of14 www.o.....pliancesouroe.OOln 11111111111111111 :MERS Modillrd Fom1 3051 01/01 HJ01WY NIOO 02000. The Cml1 '1ionoe SOllroe, TIle. 000856 Bouower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instmment by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. My foIbeardnce by Lender in exercising any right or remedy including. without limitation, Lender's acceptance ofpayme:nts 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; Sutcessors 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-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the tenns of tlús Secwity Instrument; (b) is not personally obligated to pay the sums secured by tIùs Security Instnunent; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signee's consent Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrwnent in writing, and is approved by Lender, shall obtain aU of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borro,,,-er's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services peñorme<l in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights tmder this Security Instrument, including. but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shan not be construed as a pro1nòition on the charging of such fee. Lender may not charge fees that are expressly prolnòited by t1ús Secmity Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in coIUlection with the Loan exceed the pennitted limits, then: (a) any such loan 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 coIUlection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instnnnent shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address íf sent by other means. Noûce to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address \U11ess 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 only report a change of address through that specified procedure. There may be only one designated notice address under tl1is Security Instrument at any one time. Any notice to Lender shaH be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with tms Security Instrument shall not be deemed to have been given to Lender Wltil actually received by Lender. If any notice required by this Security Instrument is also required Wlder Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under tbis 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 obligaûons contained Iœn No: 127936037 Wyoming Mortc~inglc Pami y-Fann'e MaelFreddic Mac: UNIFORM INSl'RUMENT -TIm CoMPLIANCE SOURCE, lNc.- Page 10 of 14 ......~ptiancesm_.Ço ß 1111111111111111 MERS Modified Fonn 3051 01101 143GJWY 08100 C2000. 1].. CMlplionce St>orce. Inc. 000857 in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law nñght explicitly or implicitly allow the parties to agree by contract or it migb1 be silent, but such silence 5hall not be construed as a prolnòition against agreement by contract. In the event tllat any provision or clause of this Security Instrwnent or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect 'without the conflicting provision. As used in this Security Instrwnent: (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 ,ice 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 ofthe Note and oftJùs Security Instrwnent. 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 imerest in the Property, including, but not limited to, those beneficial interests transfen:ed 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 pwcilaser. 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 inunediate payment in full of all Sums secured by this 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 ftom the date the notice is given in accordance wìth Section 15 within wlùch Borrower must pay all SIUDS secured by this Security Instrument If Borrower fails to pay these swns 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 Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property puTSUaIlt 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) entIy of a judgment enforcing this Security Instrument Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had oCCUIred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instnnnent, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incutTed for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument. and Borrower's obligation to pay the sums secured by this Security Instmment, shall continue unchanged. 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 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, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleratìon had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") tbat collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security 1nstrumenl, and Applicable Law. There also nüght be one or more changes oftbe Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to wlúch payments should be made and any other infonnation RESP A requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing Loan NO: 127936037 Wyominl MoJ1II1J:e-Singl~ Family-Fannie MaelFredclJl! Mal' UNIFORM IN~U1\;1ENT -TIm CoMPLIANCE SOURCE, INC.- Page 11 ofl4 \\"RW.ct'II1Pu.nc....-.oom 11111111111.11 MERS Modilied Form 3051 OJlOl 1438IWY 01180 02000. '11.0 COOIplilln.o Soon:e, In., 000858 obligations to Borrower will remain with the Loan SeIVÌcer or be transfeued to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of. or any duty owed by reason of, this Security Instnunent, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other ~ 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 paragraph. The notice of accelemtion and opportmùty to cure given to Borrower pursuant to Section 22 and the notice of accelemtion given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opporbmity to take com:ctive action provisions of this Section 20. U. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials contaiDing asbestos or fonnaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and Jaws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action. remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition tbat can cause, contribute to, or otherwise trigger an Environmental Qeanup. Borrower shall not cause or pemút the presence, use, disposal, stomge, 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) wJúch, 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 genernlly recognized to be appropriate to BOnnaI residential uses and to maintenance of the Property (including, but not limited to, bazardous substances in consumer products). Boxrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any govenunentaI or regulatmy 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, leakíng, 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 necessaxy, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein sJmll create any obligation on Lender for an Environmental Cleanup. NON·UNIFORM COVENANTS. BOlTOwer and Lender further covenant and agree as follows: 22. Acœleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security In.~ent (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 acederation of the SWWl secured by this Security Instrument and sale of the Property. Tbe Dotice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert tbe 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 Iam No: 127936037 WYODUng Mortgage-SingJo Family·Faamie MaelFretldie Mac UNIFORM INSTRUMENT -THE COMPLIANCE SOURCE, INc.- Page 12 of 14 _.romptimcø.......ÐmI '11111111111111 MERS MocUßed Fonn 3051 01101 14.JUIWY OCIIJO 02000. 'The Complion.. s........ I"c. 000859 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 shaH be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, bnt 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, jf 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 Bale, 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 Instmment, Lender shall release this Security Instrument Borrower shall pay any recordation costs. Lender may cbarge Borrower a fee for releasing this Security Instrument, but omy if the fee is paid to a third party for services rendered and the charging of the fee is permitted Wlder Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exe¡npûon laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained ìn tlús Security Instrument and in any Rider executed by Borrower and recorded witll it. Witnesses: I) t 0JJl. I J l ! /¡~}1¡'lJ('~I?I" {l¡ltl} vJ I BRANOON 's (Seal) -BoITower Printed Name: [please complete] ~~~ (Seal) -BolTower Printed Name: [please Complete] (Seal) -Borrower (Seal) -Borrower (Acknowledgment on Following Page) Loan NO: 127936037 wYOIlÚlll Mort:-&e-8inglc Family-Fannie MaelFreddle Mae UNIFORM INSTRUMENT -THE COMPUANCESOURCE.INC.- Pace 130f14 www.e»mpø.n-..C(OD III1IIIIIIII111 l\-1ERS MOIIffted Fonn 3051 01101 14J411WY _ OIOOO. Thø Complianoe Soot... lno, State ofLu"1. D(Y\.\ r'\,~ County of ~(\Cd ÝÎ § § § 000860 Before me the tmdersigned authority, on tlús day personally appeared BRANIX)N S SANCHEZ and CINDY A SANœEZ 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 h~shelthey executed the same for the pwposes and consideration therein expressed. Given under my hand and seal on this f?:> day of O:::;ft:)b€ I"'"' , 2J:;:ð1 (Seal) ~~~ NotaIy IC My COlllIDlssion Expires:-l ~~V'"j ~ \} ~ \ c AMY GUEAR - NOTARY PUBLIC COUNTY OF ta STATE OF LINCOLN ~ WYOMING MY COMMISSION EXPIRES 1/31/2010 Loan No: 127936037 WyomJn¡ MorCIap.Siogle Family-Pannie MaelFreddle Mae tJNJFORM: INSTRtlMENT -TJø COMI"L1ANCE SoURCE, INc.- Pace 140n4 ~~~m 111111111111111 MERS ModiOec1 Form 3051 01/01 14381WY "'08 02000, The Cnmplilnoe s-.e, lno. CHICAGO TITLE INSURANCE COMPANY OOOSG~ Title No ALT-2007090056 LEGAL DESCRIPTION EXHIBIT "A" THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF Lincoln, ST ATE OF Wyoming, AND IS DESCRIBED AS FOLLOWS: LOT 3 OF BARCO ACRES SUBDIVISION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT FILED ON AUGUST 14,2003 AS INSTRUMENT NO. 892465 OF THE RECORDS OF THE LINCOLN COUNTY CLERK. Commonly know as 15 Straight and Narrow, Grover, WY 83122 However, by showing this address no additional coverage is provided