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1 MORTGAGE
t KNOW ALL MEN BY THESE PRESENTS, that JUSTIN HYDE and STEFANIE
HY¡ E, husband and wife, of 603 Countryside Ave" Rexburg, Idaho, 8.3440, (hereafter
10M rtgagor"), to secure the payment of the principal sum of TWO HUNDRED
TæUSAND DOLLARS AND NO CENTS ($200,000.00), as evidenced by a Promissory
No e dated of even date herewith, to the order of KEVIN D. and JANICE F, HYDE
F. ILY TRUST, 1539 Tom's Canyon Ròad, Auburn, County of Lincoln, State of
W~oming, (hereafter "Mortgagee") to be paid as follows:
I A, Upon the execution of this Promissory Note ("Note") and Mortgage of even
da~e, the Mortgagor agrees and states that the Mortgagor owes the Mortgagee the amount
of~O HUNDRED THOUSAND DOLLARS AND NO CENTS ($200,000.00), and will pay
the Mortgagee this amount plus interest, late charges and penalties, pursuant tQ the terms
of~is Note and Mortgage of even date,
I B. The principal amount of TWO HUNDRED THOUSAND DOLLARS
AND NO CENTS ($200,000.00), shall accrue interest at the rate of five (5%) percent per
annum until paid in full to the Mortgagee,
RECEIVED 10/26/2007 at 4:17 PM
RECEIVING # 934381
BOOK: 676 PAGE: 817
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
00081.7
C. During the term of this loan, the Mortgagor will pay to the Mortgagee,
monthly payments in the amount of EIGHT I:IUNDRED FIVE DOLLARS AND TWENTY
THREE CENTS ($805,23), over a thirty (30) year period and at the end of the thirty (30)
year period, all the principal, interest, penalties and late charges will be due and payable in
full,
D, The Mortgagor shall make montWy payments, beginning on November 15 ,
2007, based upon the thirty (30) year amortization schedule, which is attached hereto as
"Exhibit A" and made part of this document by reference and incorporation. The estimated
monthly payments will be EIGHT HUNDRED FIVE DOLLARS AND TWENTY THREE
CENTS ($805,23) with a final balloon payment of FIFIY THOUSAND DOLLARS AND
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ZERO CENTS ($50,000.00). 00081.8
E. The Mortgagor may prepay the principal amount in whole or in part at any
time withoutpenaIty. Any partial prepayment shall be applied against the principal amount
outstanding and shall not postpone the due date of any subsequent annual installments or
change the amounts of such installments, unless the Mortgagee shall agree in writing.
F. . If any payment is made more than thirty (30) days after the date due, the
Mortgagor shall pay an additional fifty dollars ($50,00) in the form of a late payment
charge and penalty to the Mortgagee.
MORTGAGOR hereby mortgages to Mortgagee, the following described real estate,
situated in the County of Lincoln, State of Wyoming:
Lot 2 of Rocky Top Ranch Amended A of record in the Office of the Clerk of
Lincoln County as Instrument No, 933443.
Together with all water rights, mineraI rights, improvements
and àppurtenances thereon situate or in anywise appertaining
thereunto, Subject, however, to all reservations, restrictions,
exceptions, easements and rights-of-way of record or in use.
MORTGAGOR COVENANTS that Mortgagor is lawfully seized of the estate hereby
conveyed and has the right to mortgage, grant and convey the Property and that the
Property is unencumbered, except for encumbrances of record. Mortgagor warrants and
will defend generally the title to the Property against aU claims and demands, subject to any
encumbrances of record and additionally covenants and promises:
1. Payment of Principal, Interest, Prepayment Charges, and Late Charges. Mortgagor
shall pay when due the principal of, and interest on, the debt evidenced by the Note of even
date ("Note"), and any prepayment charges and late charges due under the Note. Payments
due under the Note and this Security Instrument shall be made in U,S, currency. However,
if any check or other instrument received by Mortgagee as payment under the Note or this
Security Instrument is returned to Mortgagee unpaid, Mortgagee may require that any or
all subsequent payments due under the Note and this Security Instrument be made in one
or more of the following forms, as selected by Mortgagee: (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 Mortgagee when received at the location
designated in the Note or at such other location as may be designated by Mortgagee in
accordance with the notice provisions in this document and Note. Mortgagee may return
any payment or partial payment if the payment or partial payments are Însufficientto bring
the Loan current. Mortgagee may accept any payment or partial payment insufficient to
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00081.9
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 Mortgagee 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 Mortgagee need not pay interest on unapplied
funds. Mortgagee may hold such unapplied funds until Mortgagor makes payment to bring
the Loan current. If Mortgagor does not do so within a reasonable period óf time,
Mortgagee shall either apply such funds or return them to Mortgagor. 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 Mortgagor might have now or in the future
against Mortgagee shall relieve Mortgagor from making payments due under the Note and
this Security Instrument or performing the covenants and agreements secured by this
Security Instrument.
2. Application of Payments or Proceeds, Except as otherwise described in this Section
2, all payments accepted and applied by Mortgagee 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 shall 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 Instrument, and then to reduce the
principal balance of the. Note,
If Mortgagee receives a payment from Mortgagor 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, Mortgagee maý apply any payment received from Mortgagor to the repayment
of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the
extent that any excess exists after the payment is applied to the 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 charges and then as described in the
Note,
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to
principal due under the. Note shall not extend or postpone the due date, or change the
amount, of the Periodic Payments.
3, Charges; Liens. Mortgagor shall pay all taxes, assessments, charges, fines, and
ÍIDpösitiqns attributable to the Property which can attain priority over this Security
Instrument, leasehold payments or ground rents on the Property, if any, and Community
Association Dues, Fees, and Assessments~ if any, Mortg~gee may pay any, tax assessment
or other costs associated with the property, if delinquent, The amount paid shall accrue
interest in the amount of 21% until paid by the Mortgagor. Any delinquent tax, assessment
or charge paid by the Mortgagee shall constitute default under this security agreement,
Mortgagor shall promptly discharge any lien which has priority over this Security
Instrument unless Mortgagor: (a) agrees in writing to the payment of the obligation
secured by the lien in a manner acceptable to Mortgagee, but only so long as Mortgagor is
performing such agreement; (b) contests the lien in good faith by, or defends against
enforcement of the lien in, legal proceedings which in Mortgagee's opinion operate to
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· OOOR20
prevent the enforcement of the lien while those proceedings are pending, but oilly until
such proceedings are concluded; or (c) secures from the holder of the lien an agreement
satisfactory to Mortgagee subordinating the lien to this Security Instrument. If Mortgagee
determines that any part of the Property is subject to a lien which can attain priOlity over
this Security Instrument, Mortgagee may give Mortgagor a notice identifying the lien,
Within 10 days of the date on which that notice is given, Mortgagor shall satisfy the
lien or take one or more of the actions set forth above in this Section 3.
Mortgagee may require Mortgagor to pay a one-time charge for a real estate tax
verification andlor reporting service used by Mortgagee in connection with this Loan.
4, Property Insurance, Mortgagor 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 Mortgagee requires insurance" This insurance shall be
maintained in the amounts (including deductible levels) and for the periods that
Mortgagee requires, What Mortgagee requires pursuant to the preceding sentences can
change during the term of the Loan. The insurance carrier providing the insurance shall
be chosen by Mortgagor subject to Mortgagee's right to disapprove Mortgagor's choice,
which right shall not be exercised unreasonably. Mortgagee may reqùire Mortgagor to pay,
in connection 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 determination
and certification services and subsequent charges each time remappmgs or similar changes
occur which reasonably Inight affect such determination or certification. Mortgagor shall
also be responsible for the payment of any fees imposed by the Federal Emergency
Management Agency in connection with the review of any flood zone determination
resulting from an objection by Mortgagor,
If Mortgagor fails to maintain any of the coverages described above, Mortgagee may
obtain insurance coverage, at Mortgagee's option and Mortgagor's expense. Mortgagee is
under no obligation to purchase any particular type or amount of coverage, Therefore,
such covèrage shall cover Mortgagee, but might or might not protect Mortgagor,
Mortgagor's equity in the Property, or the contents of tbe Property, against any risk,
hazard or liability and might provide greater or lesser coverage than was previously in
effect. Mortgagor acknowledges that the cost of the insurance coverage so obtained might
significantly exceed the cost of insurance that Mortgagor could have obtained, Any
amounts disbursed by Mortgagee under this section shall become additional debt of
Mortgagor secured by this Security Instrument, These amounts shall bear interest at the
Note rate from the date of disbursement and shall be payable, with such interest, upon
notice from Mortgagee to Mortgagor requesting payment. .
All insurance policies required by Mortgagee and renewals of such policies shall be
subjectto Mortgagee's rightto disapprove such policies, shall include a standard mortgage
clause, and shall name Mortgagee as mortgagee andlor as an additional loss payee.
Mortgagee shall have the right to hold the policies and renewal certificates. If Mort;gagee
reqtùres, Mortgagor shall promptly give to Mortgagee all receipts of paid premiums and
renewal notices, If Mortgagor obtains any form of insurance coverage, not otherwise
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000821
required by Mortgagee, for damage to, or destruction of, the Property, such policy shall
include a standard mortgage clause and shall name Mortgagee as mortgagee and/ or as an
additional loss payee.
In the event ofloss, Mortgagor shall give prompt notice to the insurance carrier and
Mortgagee. Mortgagee may make proof ofloss if not made promptly by Mortiago).', Unless
Mortgagee and Mortgagor otherwise agree in writing, any insurance proceeds, whether or
not the underlying insurance was required by Mortgagee, shall be applied to restoration
or repair of the Property, if the restoration or repair is economically feasible and
Mortgagee's security is not lessened. During such repair and restoration period, Mortgagee
shall have the right to hold such insurance proceeds until Mortgagee has had an
opportunity to inspect such Property to ensure the work has been completed to
Mortgagee's satisfaction, provided that such inspection shall be undertaken promptly.
Mortgagee may disburse proceeds for the repairs and restoration in a single payment or
in a series of progress payments as the work is completed. Unless an agreement is made
in writing or Applicable Law requires interest to be paid on such insurance proceeds,
Mortgagee shall not be required to pay Mortgagor any interest or earnings on such
proceeds, Fees for public adjusters, or other third parties, retained by Mortgagor shall not
be pa,idout ofthe insurance proceeds and shall be the sole obligation of Mortgagor, If the
restoration or repair is not economically feasible or Mortgagee'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 Mortgagor, Such
insurance proceeds shall be applied in the order provided for in Section 2.
If Mortgagor abandons the Property, Mortgagee may file, negotiate and settle any
available insurance claim and related matters. If Mortgagor does not respond within 30
days to a notice from Mortgagee. that the insurance carrier has offered to settle a claim,
then Mortgagee may negotiate and settle the claim, The 30-day period will begin when the
notice is given, In either event, or if Mortgagee acquires the Property under Section 19 Qr
otherwise, Mortgagor hereby assigns to Mortgagee (a) Mortgagor'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 oilier of Mortgagor's rightS (othet than the right to any refund of
unearned premiums paid by Mortgagor) under all insurance policies covering the
Property, insofar as such rights are applicable to the coverage of the Property. Mortgagee
may use the insurance proceeds either to repair or restore the Property or to pay amounts
unpaid under the N ote.or this Security InsuUIÏ1ent, whether or not then due,
5. Preservation, Maintenance and Protection of the Property; Inspections. Mortgagor
shall not destroy, damage or impair the Property, allow the Property to deteriorate or
commit waste on the Property. Whether or not Mortgagor is residing in the Property,
Mortgagor shall maintain the Property in order to prevent the property from deteriorating
or decreasing in value due to its condition. Unless it is determined pursuant to Section 4
that repair or restoréltion is not economicaUyfeasible, Mortgagor shall promptly repair the
Property if damaged to avoid further deterioration or damage, If insurance or
condemnation proceeds are paid in connection with damage to, or the taking of, the
Property, Mortgagor shall be responsible for repairing or restoring the Property only if
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000822
Mortgagee has released proceeds for such purposes, Mortgagee may disburse proceeds for
the repairs and restoration in a single payment or in a series of progress payments as the
work is completed. If the insurance or condemnation proceeds are. not sUfficient to repair
or restore the Property, 'Mortgagor is not relieved of Mortgagor's obligation for the
completion of such repair or restoration.
Mortgagee or its agent may make reasonable entries upon and inspections of the
Property. If it has reasonable cause, Mortgagee may inspect the interior of the
improvements on the Property, Mortgagee shall give Mortgagor notice at the time of or
prior to such an interior inspection specifying such reasonable cause.
6. Mortgagor's Loan Application, Mortgagor shall be in default if, during the Loan
application process, Mortgagor or any persons or entities acting at the direction of
Mortgagor or with Mortgagor's knowledge or consent gave materially false, misleading,
or inaccurate information or statements to Mortgagee (or failed to provide Mortgagee with
material information) in connection with the Loan,
7, Protection of Mortgagee's Interest in the Property and Rights Under this Security
Instrum.ent. If (a) Mortgagor fails to perform the covenants and agreements contained in
this Security Instrument, (b) there is a legal proceeding that might significantly affect
Mortgagee's interest in the Property and/or rights under this Security Instrument (such
as. a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement
of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Mortgagor has abandoned the PropertY, then Mortgagee may do and
pay for whatever is reasonable or appropriate to protect Mortgagee'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. Mortgagee'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 Mortgagee may take action under this Section 7, Mortgagee dOês not have to do
so and is not under any duty Or obligation to do so. It is agreed that Mortgagee incurs no
liability for not taking any or all actions authorized under this Section.
Any amounts disbursed by Mortgagee under this Section shaIl become additional
debt of Mortgagor secured by this Security Instrument, These amounts shall bear interest
at the Note rate from the date of disbursement and shaH be payable, with such interest,
upon notice from Mortgagee to Mortgagor requesting payment.
If this Security Instrument is on a leasehold, Mortgagor shall comply with all the
provisions of the lease. If Mortgagor acquires fee title to the Property, the leasehold and
the fee title shall not merge unless Mortgagee agrees to the merger in writing.
8. Assignment of Miscellaneous Proceeds; Forfeiture, All Miscellaneous Proce~ds
are hereby assigned to and shall be paid to Mortgagee,
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000823
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 Mortgagee's s~curity is not lessened, During such repair and restoration period,
Mortgagee shall have the right to hold such Miscellaneous Proceeds until Mortgagee has
had an opportunity to inspect such Property to ensure the work has been completed to
Mortgagee's satisfaction, provided that such inspection shall be undertaken promptly.
Mortgagee 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, Mortgagee
shall not be required to pay Mortgagor any interest or earnings on such Miscellaneous
Proceeds, If the restoration or repair is not economically feasible or Mortgagee's security
would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by
this Security Instrument, whether or not then due, with the excess, if any, paid to
Mortgagor, 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 then due, with the excess, if any, paid to Mortgagor.
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 this Security
Instrument immediately before the partial taking, destruction, or loss in value, unless
Mortgagor and Mortgagee otherwise agree in writing, the sums secured by this Security
Instrument shall be reduced by th amount of the Miscellaneous Proceeds multiplied by
the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) tbe fair market value of the
Property immediately before the partial taldng, destruction, or loss in value. Any balance
shall be paid to Mortgagor,
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 less than the amount of the sums secured immediately before the partial
taking, destruction, or loss in value; unless Mortgagor and Mortgagee 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 Mortgagor, or if, after notice by Mortgagee to
Mortgagor that the Opposing party (as defined in the next sentence) offers to make an
award to settle a claim for damages, Mortgagor fails to respond to Mortgagee within 30
days after the date the notice is given,. Mortgagee 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 Mortgagor Miscellaneous Proceeds or the party against whom
Mortgagor has a right of action in regard to Miscellaneous Proceeds,
Mortgagor shall be in default if any action or proceeding, whether civil or criminal,
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000824
is begun that, in Mortgagee's judgment, could result in forfeiture of the Property or other
material impairment of Mortgagee's interest in the Property or rights under this Security
Instrument. Mortgagor 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 Mortgagee's judgment, precludes forfeiture of the Property or other material
impairment of Mortgagee'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 Mortgagee's interest in the Property are hereby assigned and shall be paid
to Mortgagee.
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.
9· Mortgagor Not Released; Forbearance By Mortgagee Not a Waiver, Extension of
the time for payment or modification of amortization of the sums secured by this Security
Instrument granted by Mortgagee to Mortgagor or any Successor in Interest of Mortgagor
shall not operate to release the liability of Mortgagor or any Successors in Interest of
Mortgagor. Mortgagee shall not be required to commence proceedings against any
Successor in Interest of Mortgagor 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 Mortgagor or any Successors in Interest of Mortgagor. Any
forbearance by Mortgagee in exercising any right or remedy including, without limitation,
Mortgagee's acceptance of payments from third persons, entities or Successors in Interest
of Mortgagor or in amounts less than the amount then due, shall not be a waiver of or
preclude the exercise of any right or remedy.
10. Joint and Several Liability; Co-signers; Successors and Assigns Bound.
Mortgagor covenants and agrees that Mortgagor's obligations and liability shall be joint
and several. However, any Mortgagor 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 terms of this
Security Instrument; (b) is not personally obligated to pay the sums secured by this
Security Instrumënt; and (c) agrees that Mortgagee and any other Mortgagor 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~signer's consent.
Subject to the provisions of Sectiol1: 15, any Successor in Interest of Mortgagor who
assumes Mortgagor's obligations under this Security Instrument in writing, and is
approved by Mortgagee, shall obtain all of Mortgagor's rights and benefits under this
Security Instrument. Mortgagor shall not be released from Mortgagor's obligations and
liability under this Security Instrument unless Mortgagee agrees to such release in writing.
The cQvenants and agreements of this Security Instrument shall bind (except as provided
in Section 17) and benefit the sUCcessors and assigns of Mortgagee.
11. Loan Charges. Mortgagee may charge Mortgagor fees fór services performed In
connection with Mortgagor's default, for the purpose of protecting Mortgagee's interest
iiI the Property and rights under this Security Instrument, including, but not limited to,
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000825
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
Mortgagor shall not be construed as a prohibition on the charging of such fee. Mortgagee
may not charge fees that are expressly prohibited by this Security 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
conne~ion with the Loan exceed the permitted limits, then: (a) any such Ioàn charge shall
be reduced by the amount necessary to reduce the charge to the permitted limit; and (b)
any sums already collected from Mortgagor which exceeded permitted limits will be
refunded to Mortgagor. Mortgagee may choose to make this refund by reducing the
principal owed under the Note or by making a direct payment to Mortgagor. 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).
Mortgagor's acceptance of any such refund made by direct payment to Mortgagor will
constitute a waiver of any right of action Mortgagor might have arising out of such
overcharge.
12, Notices, All notices given by Mortgagor or Mortgagee in connection with this
Security Instrument m:ust be in writing. Any notice to Mortgagor in connection with this
Security Instrument shall be deemed to have been given to Mortgagor when mailed by
first class mail or when actually delivered to Mortgagor's notice address if sent by other
means, Notice to anyone Mortgagor shall constitute notice to all Mortgagors unless
Applícable Law expressly requires otherwise, The notice address shall be the Property
Address unless Mortgagor has designated a substitute notice address by notice to
Mortgagee. Mortgagor shall promptly notify Mortgagee of Mortgagor's change of address,
If Mortgagee specifies a procedure for reporting Mortgagor's change of address, then
Mortgagor shall only report a change of address through that specified procedure. There
may be only one designated notice address under this Security Instrument at anyone time.
Any notice to Mortgagee shall be given by delivering it or by mailing it by first clàss mail
to Mortgagee's address stated herein unless Mortgagee has designated another address
by notice to Mortgagor. Any notice in connection with this Security Instrument shall not
be deemed to have been given to Mortgagee until actually received by Mortgagee. If any
notice required by this Sec:urity Instrument is also required under Applicable Law, the
Applicable Law requirement will satisfy the corresponding requirement under this
Security Instrument.
13. 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 Instrument are subject to any
requirements and limitations of Applicable Law. Applicable Law might explicitly or
implicitly allow the parties to agree by contract or it might be silent, but such silence shall
not be construed as a prohibition against agreement by contract. In the event that any
provision or clause of this Security Instrument or the Note conflicts with Applicable Law,
such conflict shall not affect other provisions of this Security Instrument or the Note
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000826
which can be given effect without the conflicting 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. .
14. Mortgagor's Copy. Mortgagor shall be given one copy of the Note and of this
Security Instrument.
15. Transfer of the Property or a Beneficial Interest in Mortgagor, As used in this
Section 15, "Interest in the Property" means any legal or beneficial interest in the Property,
including, but not limited to, those beneficial interests transferred in a bond for deed,
contract for deed, installment sales contract or escrow agreement, the intent of which
is the transfer of titl~ by Mortgagor 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 Mortgagor is not a natural person and a beneficial interest in
Mortgagor is sold or transferred) without Mortgagee's prior written consent,
Mortgagee may require immediate payment in full of all sums secured by this Security
Instrument, However, this option shall not be exercised by Mortgagee if such exercise
is prohibited by Applicable Law.
If Mortgagee exercises this option, Mortgagee shall give Mortgagor 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 12 within which Mortgagor must pay all
sums secured by this Security Instrument. If Mortgagor fails to pay these sums prior to
the expiration of this period, Mortgagee may invoke any remedies permitted by this
Security Instrument withòut further notice or demand on Mortgagor.
16. Mortgagor's Right to Reinstate After Acceleration. If Mortgagor meets certain
conditions, Mortgagor 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 pursuant to any power of sale contained in this Security Instrument; (b)
such other period as applicable law might specify for the termination of Mortgagor's
right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those
conditions are that Mortgagor: (a) pays Mortgagee all sums which then would be due
under this Security Instrument and the Note as if no acceleration had occurred; (b)
cures any default of any other covenants or agreements; (c) pays all expenses incurred
in enforcing this Security Instrument, including, but not limited to, reasonable
attorneys' fees, property inspection and valuation fees, and other fees incurred for the
purpose of protecting Mortgagee's interest in the Property and rights under this
Security Instrument; and (d) takes such action as Mortgagee may reasonably require to
assure that Mortgagee's interest in the Property and rights under this Security
Instrument, and Mortgagor's obligation to pay the sums secured by this Security
Instrument, shall continue unchanged, Mortgagee may require that Mortgagor pay
such reinstatement sums ànd expenses in one or more of the following forms, as
selected by Mortgagee: (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
All rights to the use of this document
reserved by:
Bowers Law Finn, PC
Post Office Box 1550
Afton, Wyoming 83110-1550
Page 10 of 13
000827
institution whose deposits are insured by a federal agency, instrumentality or entity; or
(d) Electronic Funds Transfer. Upon reinstatement by Mortgagor, this Security
Instrument and obligations secured hereby shall remain fully effective as if no
acceleration had occurred. However, this right to reinstate shall not apply in the case of
acceleration under Section 15.
17. Sale of Note; Change of Loan SerVicer. 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 Mortgagor, A sale might result in a change in the entity (known as the
"Loan Servicer") that collects Periodic Payments due under the Note and this Security
Instrument and performs other mortgage loan servicing obligations under tbe Note
and this Security Instrument. .
18. Hazardous Substances. As used in this Section 18: (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
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 defined in
Environmental Law; and (d) an "Environmental Condition" means a condition that can
cause, contribute to, or otherwise trigger an Environmental Cleanup,
Mortgagor 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. Mortgagor shall not do, nor allow anyone else to do, anything affecting the
Properly (a) that is in violation of any Environmental Law, (b) which creates an
Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affeèts 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
Propérly (including, but not limited to, hazardous substances in consumer products).
Mortgagor shall promptly give Mortgagee written notice of (a) any investigation,
claim, demand, lawsuit or other action by any governmental or regulatory agency or
private party involving the Property and any Hazardous Substance or Environmental
Law of which Mortgagor has actual knowledge, (b) any Environmental Condition,
including but not limited to, any spilling, leaking, discharge, release or threat of release
of any Hazardous Substance, and (c) any cçmdition caused by the presence, use or
release of a Hazardous Substance which adversely affects the value of the Property. If
Mortgagor learns, or is notified by any governmental or regulatory authority, or any
private party, that any removal or other remediation of any Hazardous Substance
affecting the Property is necessary, Mortgagor shall promptly take all necessary
remedial actions in accordance with Environmental Law, Nothing herein shall create
any obligation on Mortgagee for an Environmental Cleanup.
All rights to the use of this document
reserved by;
Bowers Law Firm, pc
Post Office B0)(.1550
Aftan, Wyoming 83110-1550
Page 11 of t3
000828
19. Acceleration; Remedies. Mortgagee shall give notice to Mortgagor prior to
acceleration following Mortgagor's breach of any covenant or agreement in this Security
Instrument (but not prior to acceleration under Section 15 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
Mortgagor, 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 Mortgagor of the right to reinstate after acceleration and the right to bring a
court action to assert the non-existence of a defåult or any other defense of Mortgagor
to acceleration and sale. If the default is not cured on or before the date specified in the
notice, Mortgagee 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, Mortgagee shall be entitled
to collect all expenses incurred in pursuing the remedies provided in this Section 19,
including, but not limited to, reasonable attorneys I fees and costs of title evidence.
If Mortgagee invokes the power of sale, Mortgagee shall give notÎceof intent to
foreclose to Mortgagor and to the person in possession of the Prop.erty, if different, in
accordance with Applicable Law, Mortgagee shall give notice of the sale to Mortgagor in
the manner provided in Section 12. Mortgagee shall publish the notice of sale, and the
Property shall be sold in the manner preScribed by Applicable Law, Mortgagee or its
desigI;lee 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,
. 20. Release. Upon payment of all sums secured by this Security Instrument,
Mortgagee shall release this Security Instrument. Mortgagor shall pay any recordation
costs. Mortgagee may charge Mortgagor a fee for releasing this Security Instrument, but
only if the fee is paid to a third party for services rendered and the charging öf the fee is
permitted under Applicable Law,
21, Waivers. Mortgagor releases and waives aU rights under and by virtue of the
homestead .exemption laws of Wyoming,
22, The covenants herein contained shall bind,. and the benefits and advantages
shall inure to, the respective heirs, executors, administrators, successors, and assigns of
the parties hereto. Whenever used, the singular number shall include the plural, the
plural the singular, and the use of any gender shall include all genders.
23. Whenever used herein, the terms "mortgagor" and "mortgagee" include all the
parties to this instrument and the heirs, legal representatives, and assigns of
individuals, and the successors and assigns of corporations; and the term "Note"
includes all the notes herein described if more than one.
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reserved by:
Bowers Law Finn, PC
Post Office Box 1550
Aiton, Wyoming 83110-1550
Page 12 of 13
000829
BY SIGNING BELOW, MORTGAGOR ACCEPTS AND AGREES TO THE TERMS AND
COVENANTS CONTAINED IN THIS SECURITY INSfRUMENT :AND IN ANY RIDER EXECUTED BY
MORTGAGOR AND RECORDED WITH IT.
IN WITNESS WHEREOF, this document executed the ?o--tJo. day of October,
2007,
~~
J TIN HYDE .
~ig~
STATE OF l/71'f 6-1
COUNIT OF )ðv'{'¡'" LevI:... L
)
) 55.
)
The foregomg was ácknowledged before my by JUSTIN HYDE, this ?!> +-~y of
October, 2007.
WITNESS my hand and official seal.
~~
My commission expires: it I , l'Jocrrr
STATE OF v 7 Yf'l/
COUNTY OF <) ~ l f.. t..- -v'=..c.....
)
) ss.
)
Notary PublIc
State of UtGh
Mv Comm. ExpIreI Nov 1, 2001
11710 S 2587 E Slltllkl Cty UT 84121
The foregoing was acknowledged before my by STEFANIE HYDE, this ¿c, ~ay
of October, 2007.
WITNESS my hand and official seal. , I ~ :
! NorARYp ~---
My commission expires: I' I, i?~ ~
~.
All rights to the use of this document
reserved by:
Bowers Law Firm, PC
Post Office Box 1550
Afton, Wyoming 83110-1550
-- -- -- - -- -- -- -- ---.
4 .' .. DERICK J SNOW "'~
~ Notary Public
State of Utah
Mv Comm. Explr.. Nqfa\élØOl 13
. . 11710 S 2587 E Silt like Cty ïW84121
~~
Principal: 150,000.00
Monthly payment
Final estimated payment
Date
10/2007
11/2007
12/2007
2007 Totals
1/2008
2/2008
3/2008
4/2008
5/2008
6/2008
7/2008
8/2008
9/2008
10/2008
11/2008
12/2008
2008 Totals
1/2009
2/2009
3/2009
4/2009
5/2009
6/2009
7/2009
8/2009
9/2009
10/2009
11/2009
12/2009
2009 Totals
1/2010
2/2010
3/2010
4/2010
5/2010
6/2010
7/2010
8/2010
9/2010
10/2010
11/2010
12/2010
2010 Totals
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
C~II~<6 A.
Months:
Int, Rate: 5,000 % Years: 30
805.23
807,70
Interest
Principal
625.00
624.25
623.49
180,23
180.98
181. 74
1,872,74
542.95
622.74
621. 98
621. 21
620,45
619.68
618,90
618.13
617.35
616.57
615.78
614.99
614.20
182.49
183.25
184.02
184.78
185.55
186.33
187.10
187,88
188,66
189.45
190.24
191.03
7,421.98
2,240,78
613,40
612.60
611. 80
610,99
610.18
609.37
608.56
607,74
606.91
606.09
605.26
604.42
191. 83
192 .63
193.43
194.24
195.05
195.86
196.67
197.49
198.32
199.14
199.97
200.81
7,307.32
2,355.44
603.59
602,75
601. 90
601.06
600.21
599.35
598.49
597.63
596.77
595.90
595,03
594.15
201. 64
202,48
203,33
204.17
205.02
205.88
206.74
207.60
208,46
209.33
210.20
211,08
7,186,83
2,475.93
Balance
149,819,77
149,638,79
149,457,05
149,274.56
149,091.31
148,907,29
148,722,51
148,536,96
148,350.63
148,163,53
147,975.65
147,786,99
147,597,54
147,407.30
147,216.27
147,024.44
146,831. 81
146,638,38
146,444.14
146,249.09
146,053,23
145,856.56
145,659.07
145,460,75
145,261. 61
145,061.64
144,860,83
144,659.19
144,456.71
144,253,38
144,049,21
143,844,19
143,638.31
143,431,57
143,223.97
143,015,51
142,806.18
142,595.98
142,384.90
000830
1/2011 40 593,27 211.96 142, 172. 94
2/2011 41 592,39 212.84 141,960,10
3/2011 42 591. 50 213 .73 141,746,37
4/2011 43 590.61 214.62 141,531. 75
5/2011 44 589.72 215.51 141,316,24
6/2011 45 588.82 216,41 141,099,83
7/2011 46 587.92 217,31 140,882,52 000831.
8/2011 47 587.01 218,22 140,664.30
9/2011 48 586.10 219.13 140,445.17
10/2011 49 585.19 220,04 140,225,13
11/2011 50 584.27 220.96 140,004.17
12/2011 51 583.35 221. 88 139,782,29
2011 Totals 7,060.15 2,602.61
1/2012 52 582,43 222.80 139,559.49
2/2012 53 581. 50 223.73 139,335.76
3/2012 54 580.57 224.66 139,111.10
4/2012 55 579.63 225.60 138,885.50
5/2012 56 578.69 226,54 138,658.96
6/2012 57 577.75 227.48 138,431. 48
7/2012 58 576.80 228,43 138,203.05
8/2012 59 575.85 229,38 137,973.67
9/2012 60 574,89 230,34 137,743.33
10/2012 61 573.93 231. 30 13 7 ,512.03
11/2012 62 572,97 232,26 137,279,77
12/2012 63 572.00 233,23 137,046.54
2012 Totals 6,927.01 2,735,75
1/2013 64 571. 03 234.20 136,812.34
2/2013 65 570,05 235.18 136,577.16
3/2013 66 569.07 236.16 136,341. 00
4/2013 67 568.09 237.14 136,103,86
5/2013 68 567.10 238.13 135,865.73
6/2013 69 566,11 239.12 135,626.61
7/2013 70 565.11 240.12 13 5 , 386 . 49
8/2013 71 564.11 241.12 135,145.37
9/2013 72 563.11 242.12 134,903.25
10/2013 73 562.10 243.13 134,660.12
11/2013 74 561. 08 244,15 134,415,97
12/2013 75 560.07 245,16 134,170.81
2013 Totals 6,787,03 2,875.73
1/2014 76 559,05 246.18 133,924.63
2/2014 77 558,02 247.21 133,677.42
3/2014 78 556.99 248.24 133,429,18
4/2014 79 555.95 249.28 133,179.90
5/2014 80 554 , 92 250,31 132,929.59
6/2014 81 553.87 251. 36 132,678.23
7/2014 82 552.83 252.40 132,425,83
8/2014 83 551.77 253.46 132,172.37
9/2014 84 550,72 254.51 131,917.86
10/2014 85 549.66 255.57 131,662,29
11/2014 86 548.59 256.64 131,405.65
12/2014 87 547,52 257.71 131,147.94
2014 Totals 6,639.89 3,022,87
1/2015 88 546.,45 258.78 130,889,16
2/2015 89 545';37 259,86 130,629,30
3/2015 90 544.;29 260.94 130,368.36
4/2015 91 543 .:2 ° 262,03 130,106.33
5/2015 92 542.:11 263.12 129,843.21
6/2015 93 541.:01 264.22 129,578,99
7/2015 94 539.:91 265.32 129,313,67 000832
8/2015 95 538.:81 266.42 129,047.25
9/2015 96 537.:70 267.53 128,779.72
10/2015 97 536.:58 268.65 128,511. 07
11/2015 98 535.'46 269,77 128,241.30
12/2015 99 534.34 270.89 127,970.41
2015 Totals 6,485.23 3,177,53
1/2016 100 533.21 272.02 127,698.39
2/2016 101 532.08 273.15 127,425.24
3/2016 102 530.94 274.29 127,150.95
4/2016 103 529,80 275.43 126,875,52
5/2016 104 528.65 276,58 126,598,94
6/2016 105 527.50 277.73 126,321. 21
7/2016 106 526,34 278.89 126,042,32
8/2016 107 525.18 280.05 125,762.27
9/2016 108 524.01 281. 22 125,481. 05
10/2016 109 522.84 282.39 125,198.66
11/2016 110 521. 66 283.57 124,915,09
12/2016 111 520,48 284.75 124,630.34
2016 Totals 6,322.69 3,340,07
1/2017 112 519,29 285.94 124,344.40
2/2017 113 518.10 287.13 124,057.27
3/2017 114 516,91 288.32 123,768,95
4/2017 115 515.70 289.53 123,479,42
5/2017 116 514.50 290,73 123,188.69
6/2017 117 513 ,29 291.94 122,896.75
7/2017 118 512.07 293,16 122,603,59
8/2017 119 510.85 294,38 122,309,21
9/2017 120 509.62 295.61 122,013.60
10/2017 121 508.39 296.84 121,716,76
11/2017 122 507,15 298,08 121,418.68
12/2017 123 505.91 299.32 121,119.36
2017 Totals 6,151.78 3,510.98
1/2018 124 504.66 300.57 120,818,79
2/2018 125 503.41 301. 82 120,516.97
3/2018 126 502.15 303.08 120,213.89
4/2018 127 500.89 304.34 119,909.55
5/2018 128 499.62 305,61 119,603.94
6/2018 129 498.35 306,88 119,297.06
7/2018 130 497,07 308.16 118,988.90
8/2018 131 495.79 309,44 118,679.46
9/2018 132 494.50 310,73 118,368,73
10/2018 133 493,20 312.03 118,056,70
11/2018 134 491.90 313.33 117,743.37
12/2018 135 490.60 314.63 117,428.74
2018 Totals 5,972.14 3,690.62
1/2019 136 489.29 315.94 117,112,80
2/2019 137 487,97 317.26 116,795.54
3/2019 138 486,65 318.58 116,476.96
4/2019 139 485,32 319.91 116,157.05
5/2019 140 483.99 321. 24 115,835.81
6/2019 141 482.65 322.58 115,513,23
7/2019 142 481. 31 323,92 115,189,31
8/2019 143 479.96 325,27 114,864,04 000833
9/2019 144 478.60 326,63 114,537,41
10/2019 145 477.24 327.99 114,209.42
11/2019 146 475,87 329.36 113,880.06
12/2019 147 474,50 330.73 113,549,33
2019 Totals 5,783,35 3,879.41
1/2020 148 473.12 332.11 113,217,22
2/2020 149 471.74 333.49 112,883,73
3/2020 150 470.35 334.88 112,548.85
4/2020 151 468.95 336.28 112,212.57
5/2020 152 467.55 337.68 111,874,89
6/2020 153 466.15 339,08 111,535.81
7/2020 154 464,73 340.50 111,195.31
8/2020 155 463.31 341.92 110,853.39
9/2020 156 461. 89 343.34 110,510.05
10/2020 157 460.46 344.77 110,165.28
11/2020 158 459.02 346.21 109,819.07
12/2020 159 457.58 347.65 109,471,42
2020 Totals 5,584.85 4,077.91
1/2021 160 456.13 349.10 109,122.32
2/2021 161 454,68 350.55 108,771.77
3/2021 162 453.22 352.01 108,419.76
4/2021 163 451. 75 353.48 108,066,28
5/2021 164 450.28 354.95 107,711. 33
6/2021 165 448.80 356.43 107,354.90
7/2021 166 447,31 357,92 106,996,98
8/2021 167 445.82 359.41 106,637.57
9/2021 168 444.32 360.91 106,276.66
10/2021 169 442.82 362.41 105,914.25
11/2021 170 441.31 363.92 105,550.33
12/2021 171 439.79 365,44 105,184,89
2021 Totals 5,376.23 4,286,53
1/2022 172 438.27 366.96 104,817,93
2/2022 173 436.74 368.49 104,449,44
3/2022 174 435.21 370,02 104,079,42
4/2022 175 433.66 371.57 103,707.85
5/2022 176 432.12 373.11 103,334.74
6/2022 177 430,56 374,67 102,960.07
7/2022 178 429.00 376.23 102,583.84
8/2022 179 427.43 377,80 102,206.04
9/2022 180 425.86 379.37 101,826.67
10/2022 181 424,28 380.95 101,445.72
11/2022 182 422.69 382.54 101,063,18
12/2022 183 421.10 384.13 100,679,05
2022 Totals 5,156.92 4,505,84
1/2023 184 419.50 385.73 100,293.32
2/2023 185 417.89 387.34 99,905.98
3/2023 186 416.27 388.96 99,517.02
4/2023 187 414.65 390.58 99,126.44
5/2023 188 413,03 392.20 98,734.24
6/2023 189 411. 39 393.84 98,340,40
7/2023 190 409.75 395.48 97,944.92 000834
8/2023 191 408.10 397.13 97,547.79
9/2023 192 406.45 398,78 97,149.01
10/2023 193 404.79 400.44 96,748.57
11/2023 194 403.12 402.11 96,346,46
12/2023 195 401. 44 403.79 95,942,67
2023 Totals 4,926.38 4,736.38
1/2024 196 399.76 405.47 95,537.20
2/2024 197 398.07 407,16 95,130.04
3/2024 198 396.38 408.85 94,721.19
4/2024 199 394.67 410.56 94,310,63
5/2024 200 392,96 412,27 93,898.36
6/2024 201 391.24 413.99 93,484.37
7/2024 202 389.52 415.71 93,068,66
8/2024 203 387.79 417.44 92,651. 22
9/2024 204 386,05 419,18 92,232.04
10/2024 205 384,30 420.93 91,811,11
11/2024 206 382,55 422.68 91,388.43
12/2024 207 380.79 424.44 90,963,99
2024 Totals 4,684,08 4,978,68
1/2025 208 379.02 426.21 90,537.78
2/2025 209 377.24 427.99 90,109.79
3/2025 210 375,46 429.77 89,680,02
4/2025 211 373,67 431. 56 89,248.46
5/2025 212 371.87 433,36 88,815.10
6/2025 213 370.06 435.17 88,379.93
7/2025 214 368,25 436.98 87,942.95
8/2025 215 366,43 438.80 87,504.15
9/2025 216 364.60 440.63 87,063,52
10/2025 217 362,76 442.47 86,621. 05
11/2025 218 360,92 444.31 86,176.74
12/2025 219 359,07 446.16 85,730.58
2025 Totals 4,429,35 5,233.41
1/2026 220 357,21 448.02 85,282,56
2/2026 221 355.34 449.89 84,832.67
3/2026 222 353,47 451. 76 84,380.91
4/2026 223 351,59 453.64 83,927,27
5/2026 224 349.70 455.53 83,471. 74
6/2026 225 347,80 457.43 83,014.31
7/2026 226 345,89 459,34 82,554,97
8/2026 227 343,98 461.25 82,093.72
9/2026 228 342.06 463,17 81,630,55
10/2026 229 340,13 465.10 81,165.45
11/2026 230 338.19 467.04 80,698,41
12/2026 231 336.24 468.99 80,229,42
2026 Totals 4,161.60 5,501.16
1/2027 232 334.29 470.94 79,758.48
2/2027 233 332,33 472,90 79,285.58
3/2027 234 330,36 474,87 78,810.71
4/2027 235 328.38 476.85 78,333,86
5/2027 236 326,39 478.84 77,855,02
6/2027 237 324.40 480.83 77,374,19 000835
7/2027 238 322,39 482.84 76,891. 35
8/2027 239 320,38 484.85 76,406,50
9/2027 240 318.36 486.87 75,919.63
10/2027 241 316.33 488.90 75,430.73
11/2027 242 314.29 490.94 74,939.79
12/2027 243 312.25 492.98 74,446,81
2027 Totals 3,880.15 5,782.61
1/2028 244 310,20 495.03 73,951. 78
2/2028 245 308.13 497.10 73,454.68
3/2028 246 306,06 499.17 72,955.51
4/2028 247 303.98 501. 25 72,454.26
5/2028 248 301.89 503,34 , 71,950,92
6/2028 249 299.80 505.43 71,445,49
7/2028 250 297.69 507.54 70,937.95
8/2028 251 295,57 509,66 70,428.29
9/2028 252 293.45 511. 78 69,916,51
10/2028 253 291. 32 513.91 69,402,60
11/2028 254 289.18 516.05 68,886,55
12/2028 255 287.03 518,20 68,368.35
2028 Totals 3,584.30 6,078,46
1/2029 256 284.87 520,36 67,847.99
2/2029 257 282,70 522.53 67,325.46
3/2029 258 280.52 524,71 66,800.75
4/2029 259 278.34 526.89 66,273.86
5/2029 260 276.14 529.09 65,744.77
6/2029 261 273,94 531. 2 9 65,213,48
7/2029 262 271. 72 533.51 64,679,97
8/2029 263 269,50 535.73 64,144.24
9/2029 264 267,27 537,96 63,606.28
10/2029 265 265.03 540.20 63,066.08
11/2029 266 262.78 542.45 62,523.63
12/2029 267 260.52 544,71 61,978 , 92
2029 Totals 3,273.33 6,389.43
1/2030 268 258,25 546.98 61,431,94
2/2030 269 255.97 549.26 60,882,68
3/2030 270 253.68 551,55 60,331.13
4/2030 271 251.38 553.85 59,777.28
5/2030 272 249.07 556.16 59,221.12
6/2030 273 246.75 558.48 58,662.64
7/2030 274 244.43 560.80 58,101. 84
8/2030 275 242.09 563.14 57,538,70
9/2030 276 239.74 565,49 56,973,21
10/2030 277 237,39 567.84 56,405.37
11/2030 278 235.02 570.21 55,835.16
12/2030 279 232.65 572.58 55,262.58
2030 Totals 2,946.42 6,716,34
1/2031 280 230,26 574.97 54{687.61
2/2031 281 227.87 577.36 54 {110 ,25
3/2031 282 225,46 579,77 53{530.48
4/2031 283 223.04 582.19 52{948.29
5/2031 284 220.62 584,61 52,363.68 000836
6/2031 285 218.18 587,05 51{776.63
7/2031 286 215.74 589.49 51{187,14
8/2031 287 213.28 591. 95 50,595,19
9/2031 288 210.81 594,42 50{000.77
10/2031 289 208.34 596.89 49{403.88
11/2031 290 205,85 599.38 48{804,50
12/2031 291 203.35 601.88 48{202,62
2031 Totals 2{602.80 7,059,96
1/2032 292 200.84 604.39 47{598,23
2/2032 293 198.33 606.90 46,991. 33
3/2032 294 195,80 609.43 46 {381. 90
4/2032 295 193.26 611. 97 45{769.93
5/2032 296 190.71 614.52 45{155,41
6/2032 297 188.15 617 . 08 44{538.33
7/2032 298 185.58 619.65 43,918.68
8/2032 299 182.99 622,24 43,296.44
9/2032 300 180.40 624.83 42,671. 61
10/2032 301 177.80 627,43 42,044.18
11/2032 302 175,18 630.05 41,414.13
12/2032 303 172.56 632.67 40,781. 46
2032 Totals 2,241.60 7{421,16
1/2033 304 169,92 635.31 40,146,15
2/2033 305 167.28 637.95 39,508.20
3/2033 306 164.62 640.61 38,867.59
4/2033 307 161. 95 643.28 38,224.31
5/2033 308 159.27 645.96 37,578.35
6/2033 309 156,58 648,65 36,929.70
7/2033 310 153.87 651.36 36,278,34
8/2033 311 151.16 654,07 35,624,27
9/2033 312 148.43 656.80 34,967.47
10/2033 313 145.70 659.53 34,307,94
11/2033 314 142.95 662.28 33,645.66
12/2033 315 140,19 665.04 32,980.62
2033 Totals 1,861.92 7,800.84
1/2034 316 137,42 667.81 32,312,81
2/2034 317 134.64 670.59 31,642.22
3/2034 318 131.84 673.39 30,968,83
4/2034 319 129.04 676.19 30,292,64
5/2034 320 126.22 679.01 29,613.63
6/2034 321 123.39 681. 84 28,931. 79
7/2034 322 120.55 684.68 28,247,11
8/2034 323 117.70 687.53 27,559.58
9/2034 324 114,83 690.40 26,869,18
10/2034 325 111. 95 693.28 26{175.90
11/2034 326 109.07 696.16 25,479,74
12/2034 327 106.17 699.06 24,780.68
2034 Totals 1,462.82 8,199.94
1/2035 328 103,25 701. 98 24,078.70
2/2035 329 100.33 704.90 23,373.80
3/2035 330 97,39 707.84 22,665.96
4/2035 331 94.44 710.79 21,955,17
5/2035 332 91. 48 713.75 21,241.42 000837
6/2035 333 88,51 716.72 20,524,70
7/2035 334 85,52 719,71 19,804.99
8/2035 335 82,52 722.71 19,082.28
9/2035 336 79.51 725.72 18,356.56
10/2035 337 76,49 728.74 17,627.82
11/2035 338 73,45 731. 78 16,896,04
12/2035 339 70.40 734.83 16,161. 21
2035 Totals 1,043.29 8,619.47
. 1/2036 340 67.34 737,89 15,423.32
2/2036 341 64.26 74 0.97 14,682.35
3/2036 342 61.18 744,05 13,938,30
4/2036 343 58,08 747.15 13,191.15
5/2036 344 54.96 750.27 12,440,88
6/2036 345 51. 84 753.39 11,687.49
7/2036 346 48.70 756.53 10,930.96
8/2036 347 45,55 759.68 10,171.28
9/2036 348 42,38 762.85 9,408.43
10/2036 349 39.20 766.03 8,642.40
11/2036 350 36.01 769.22 7,873,18
12/2036 351 32.80 772 . 43 7,100,75
2036 Totals 602.30 9,060.46
1/2037 352 29.59 775.64 6,325.11
2/2037 353 26.35 778.88 5,546.23
3/2037 354 23.11 782.12 4,764.11
4/2037 355 19.85 785.38 3,978,73
5/2037 356 16.58 788,65 3,190,08
6/2037 357 13 ,29 791. 94 2,398.14
7/2037 358 9.99 795.24 1,602.90
8/2037 359 6.68 798,55 804.35
9/2037 360 3.35 804.35 0.00
2037 Totals 148,79 7,100.75
Grand Totals 139,885,27 150,000,00