The URL can be used to link to this page

Home My WebLink About874266 - - - ~':f',;",'"," f09- R&:LEASI' 0". ,. 0-5591 This Mort gage '. SH )'.::.] b:JO~~&A'n " ,c,H JCL- :>.~.i::.,::.~\. ............. ........~,..,...- 03014591 ,~,~R~~.C~.~:--~~-~.~ '/'" l' "....~,._L..::Asi$: 0 ~'\ r~ r:":~,~: 'r- '?~ ,.. .,],) ! .1.,:,. ~,:. )r'{I~age ~, , ...--'...... .....") \ SEE :);J~,~; :~<:-=c~.~f ;"aRTf.,~S[S \~ ;I~H~ ,c!.. ",-/ // ""', . ~'"""..'"'''.~,.~~-- " ~" . '--- --..----- (3'\ 'UJ,c;;J RE CE iVED Ll ~~COUJ COUNTY CLERK 874266 O I Illl -? pI.' '{, 3 c ... "" .'- "' t <,/' \, l) After Recording Return To: First Bank of Idaho, fsb dlbla First Bank Advisors P.O. box 12860 Jackson,VVY 83002 IE ^ ~I flJ'" 1".:' "fl '''0/'') \ m /-ill I t: v~ !_\l,) " C "\ KEMM[hH:. \'VYOMING BOOK 467pR PAGE 7 4 5 Loan No: 190019042/9080121196 [Spaca Above This LIne For RecordIng Data] MORTGAGE DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated June 29. 2001 together with all Riders to this document. (B) "Borrower"is Clay W. Seals, Lori R. Seals, Husband and Wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Bank of Idaho, fsb d/b/a First Bank Advisors Lender is a An Idaho Corporation organized and existing under the laws of Idaho Lender's address is P.O. box 12860 Jackson,VVY 83002 Lender is the mortgagee under this Security Instrument, (D) "Note"means the promissory note signed by Borrower and dated June 29,2001 The Note states that Borrower owes Lender One Hundred Fifty Thousand DOLLARS and Zero CENTS Dollars (U.S. $ 150,000.00 ) plus interest. Borrower has promised to pay this debt in regular Peri~dic Payments and to pay the debt in full not later than July 1, 2031 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan"means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT .~ Form 30511/01 Laser Formslnc, (800) 446-3555 LFI #FNMA3051 1/01 (A) Page 1 of 13 Initials: t\\~.b.. ~ ~ ,~ ~ - - - ~ rv6i ~~ t:;.llJ :SIE!l!UI WH ~r;Of;\tVIIN;/# 1;/1 r;SSf;"91>I> (009) 'oul SUJJO;/ Jgse1 ~OH ~90t WJO:l lN3INmllSNI INHO:lINn :lelN a!ppaJ:l/eelN e!Uue:l . ^I!We~ 916u1S" SNIWOAM U JO Z aBed "JU:JWIUJSUI ^)~.m:l:JS s~llJ 10/PUl1 ~fON :JIIJ l:Jpun suo~JliilHqo SpM.OllOg pewnSsE SUl{ Al1ud ll1l{l lOU 10 lel{JellM. 'Al1~dOld eqJ OJ elm Ue){Ul Sl1l{ Jl1l{l Al1l1d AUl1 SUl1~Ul ...IaMO,l.Ioa: JO Jsu.lJuI U! .lossa;);)ns.. (d) "Y dsa'}llepun "uuol ei:!Elll1ow p~lule.I Allu.Iep~l" 11 su A.JHl1nb JOU seop uuo'} el{ll~ U~Ae "uEol :J:'iu:'i110W P~JuI~.I AUElepel" U ol pll1:3e.I u~ p~sodw~ em ll111l SUO~lO!-IlS:Jl pUll SlU~W:Jl~nb:Jl IIU OJ Sl~pl "V dS:::nl" 'Ju~UlIUJsuI AJ!.ln:les S!qJ U! pesn sy '.I~neUl lOO'lfqns O'lWES ellJ Slli~AOil' JellJ uO!Jeln:a~llo u01JuIS!il'~110SS~:l:lns 10 luuo~f!PPU AUU 10 '~W9 Ol :JW!l UlO.g p~pU:JWll :Jq lll:a~w A:Jl{J su '(DO!;\:: 1111d .'}I'.>[';) t>Z) X uO~l111n:a::l'}l 'u09Ulnll::ll i:!u~lU::lUl::lldUl~ sf! pUll ("bas J~ I09Z~ ":')"S"o zI) py sa.mpeoOld luaweyn:JS ~Jl1Js3 111e'}l el{l SUl1eUl ..YdS:tlll.. (0) "lueUlnllsuI Al!.lno~s s~l{l]o t uO~lOes .Iepun SlunOWll AUll (!!) snld 'eloN :JIIJ l::lpUn lS:Jlalu~ PUl1 111dpu!ld m 10J :Jnp JunoUItl pelnpeqos All111nllel ~l{l SUl1eUl ..JuaWAltd 3IPO!.Iad.. (N) "UllO'} ~l.{J 'uo flnul~p .10 '10 lUeUlAeduou ~l{llSU!l1:aU .I~pue'} :aU!p~Jo.Id ~:lue.msu! SUll~W ..a3U1unsuI a~'h~~J.loW.. (W) .Al1~dOld aql]o UO!HpUO:l 10/PUl1 ~nll1A ~lll 'oJ Sl1 SUO!SS!UlO 10 'JO SUO!ll1l~S~l~lS!Ul (A!) 10 ~UO!fl1UW~pUO:l JO n~ll U1 ~:lUl1A~AUOO (!!!) ~Al1adold ~l{J 10 l1ud AUU 10 lIu 10 :3U~){llJ lel{JO 10 UO~JurnuO'lpUOO (g) ~Al1edold el{l '10 UO!f:lnllS:JP .10 'Ol ~:al1Wl1p m :1oJ (!; UO!P~S U! peq!.losep s~il'U.I:JAoO aqJ l~pun p!ud Sp~~:lO.Id ::l:lUUlnSU! Ulll{J l:JqlO) Al1l1d pl~ql AUll Aq Plud Sp~~oo.Id .10 'sei:!llwllp 10 pleM.U 'l~weynes 'uonesuedwoo AUll SUllew ..SP3330.ld snoauuII33sIW.. ('1) "E uOHoas u~ p~q!.l:lsep ell1 ll111l sUlal~ asollJ SUl1aUl .. swan MO.l3S:tl.. (X) "Sl~JSUlllJ ::lsnollil'u!.leap peluwOlnll pUU 'Sl:JJSU111l e.I!M. 'euolld~lel Aq P;;lll1H!U! Sl~lSUllll 'SUO~lOl1SUl1ll ~U!l{:lEW lelI::ll P~ll1WOlntl 'SlelSUtlll ~111S.10.lU!od 'Ol pel~UlH fOU s~ lnq 's~pnpu! Ull~l lIons "Junoo:le Ull Hpa.Io .10 pq::lp Ol UO~llll~lSU! lll!:lUllu!J 11 ~Z!-Ioqllll1 10 'pnllSU~ '1~pl0 OJ SU OS ~deJ o!J~u:aew 10 'laJndwo:l 'JuaUlnlJSU! :l!UOlld~I~J '[IlU!Ullel :l!U01P~1~ Ull llil'nOll{J pell1!PU! S! l{:l!1lM. 'lueUllUlSU! 10ldl1d lenW!S 10 'lJl1lP '){:laq:l Aq P~JllU!:a!.lO UO!lOl1SUll.lll1 uuql l:Jl{JO 'spury 10 l~lsUUll AUU SUl1~Ul ...Iajsuu.lJ, spun.i[ 3!UO.lJ3a[:tl.. (r) "UOHl1Z!Ul1i:!.IO 111nW~S 10 UOHll!:lOSSe S.IOlUM.OOlWOq 'UO!lU!OOSSU Uln!U!WOpUOO U Aq Al1edold el{l .10 laM.Ollog uo pasodw! ;ue lelll s:J~hello l~llJo pUll SJU~UlSS~SSl1 'sa~J 's~np Illl SUll:JW ..sJuawssassv PU8 'saa.il 'sana UOJJ8POSSy ,(l!unWWO;).. (I) "suo!u!do 111pwnf alq11111~dde-uou 'll1uy: ~lqU:l!(ddu 1111 Sl1 1I:JM. Sl1 (M.11110 p~JP al{J Ml1q Jl111l) Sl~plO pue salnl ~A!Jl1.llS!U!WPU puu S~:lUllU!P10 'sUOHl1(nll~l 's~JnJels {UOOI puu ~lUlS 'pu~pel ~[q110Hddl1 llum01Juoo 1111 sue~Ul ..M8'1 a[q8J![ddy.. (H) .I::lp~'}I AHmlld to- I l~PnI ~woH puo:las B l~PnI 'YA D l~PnI lU::lwdo[eAea puO peuul1ld D l~P!'}I rnn!u!wopUO;) D [Al!OOlds] (S)lO'll{JO D l~P!'}I JUO'lWAlld APPO'lM.!H D l::lPnI uoollllH D .I~P!'}I ~ll1'}1 ~lqelsnfpy D :[~lq110!lddl1 su xoq ){00ll{0] 10lM.OllOg Aq pOllno~x~ eq OJ ~111 Sl~P!lI flu!M.OIIOl el{~ "l::lM.OllOg Aq palno~xa ~111 Jlll{l lUOlWnlJsuI Ap.mOOlS S!l{l Ol SlepnI lIe SUl1~Ul ..S.lap!lI.. (~) 9f7L 9~~17lJ~O l ~ - - - G"'~;;;'~742{}G '-oj> 7 4 '7 TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. for this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the County Clerk of Lincoln (Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Lot 39 of Nordic Ranches Division No.3, Lincoln County, Wyoming: According to that plat filed April 6, 1993 as Plat No. 311-B, Tax No. 36192640018200 "This Is a first Real Estate Mortgage recording concurrently with a Second Real Estate Mortgage In favor of First Bank of Idaho. an Idaho Corporation, now known as First Bank of Idaho, fsb, dba First Bank Advisors, an Idaho Corporation, dated June 29, 2001, in the original amount of $30,000,00 which currently has the address of 17 Wheatridge Lane [Street) Etna [Clty) , Wyoming 83118 [ZIp Code] ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property. " BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. WYOMING - Single Family - Fannie Mae/FreddIe Mac UNIFORM INSTRUMENT ' Form 3051 1/01 Laser Forms Ine, (800) 446-3555 LFI #FNMA3051 1/01 Page 3 of 13 Initials: t ll...p, ~ ~ ~ ...... - - - ~ ~ (~'~\lf. :Sle!l!UI ~on ~90C'I1l'\1N:I# 1:11 999C-91>1> (ooe) '~ul SWJo:l Jase1 ~on ~90E WJO:l lN3WmUSNI II\IHO:lINn :lew 8IPpElJ:l/Elew Elluue:l - ^I!We:l 816U!S" 9NIWOAM E~ }O ~ aBed Ol pUll Slu:lWAl!d ll:ms ~:>J.l1Ul Ol uO~ll!ilnqo S,leM.OllOg '~l~nb:u AIlUllepUe'l SIl po~ed ewn q:ms u~ql~M. lUeUlAl1d q:ms ilupuep~Ae sld~eoel lepue'l Ol l{s~wnJ ttl!1{s 'sel~nbel lepue'l J~ 'pUll ~epue'l Aq peA~IlM. u~eq Sllll spund JO lU~WAl!d 1l0111M. 10J sUlell MOJ:lSg AUIl ~oJ enp slunowll elll 'elql1Al1d el~llM. pUll uel{M. 'AIP~l!P Al1d ttl!llS l~M.OllOg 'leA 111M. lIons JO lueAe ::!lll uI 'ilU!plM. u~ ~q AluO Al1W leA~l!M. lIons AUY '~lll~l AUIl ll! SUl~ll M.010S3 ttl! 10 AUl! 10J spund lepu:l'l Ol Al1d Ol U0911ilnqo S,l~M.OllOg ~A~l1M. Al1Ul l~PU;;!'l 'sUl~H M.OlOSg ttl1 10 AUll ~OJ spund ~tn Alld Ol uonl!ilnqo S,leM.Ollog SeA~l1M. l:)PU:)'l ss:)[un sW~ll M.010St[ 10J spund ::ll{llepu~'l Alld J[nqs laM.Ollog 'uonoeS sfl[l lepun p~lld eq Ol SlUnOWl1 JO seoflou ttl1 l~pue'l Ol l[s~wnJ AndUlOld ttl1l[s l~M.OllOg 'w~ll M.010S3 Ull ~q ttl1qs SluelUSS~SSIl pUll se~J 's~np qons pUll 'leM.Ollog Aq p~M.010S;;! ~q 'AUll Jf 'Slu~wssessy pUll 'sead 's~na u091l~00ssy AlfunUlwo:) ll!ql ~l~nbel Al1W ~apu:l'l 'UIlO'l ~ql JO Ull~l ~lll ilu~np ewn AUl! ll1 10 uonl1u~il~o lY ,,'sUlell M.OlOSg" peUl!o e~1l swen es;;!q.1 '0 I uo~pes JO SUO~S~AOld el{l lll~M. ~oullpmooll u~ swn~w;;!ld ~OUU1nSUI eilllil:j.low JO luewAl1d ::lql JO n~n u~ l~pu:l'l Ol l~M.OllOg Aq elqllAl1d swns AUIl 10 'AUU P 'sUlnfUle~d eOUlllnsul eill!il:j.low (p) pUll ~S uOHoes lepun ~apu:;)'l Aq pel~nbel ~OUIl1nSU! Ull PUl1 AUIl 10J swnfUleld (0) ~AUIl J~ 'A:j.lad01d ~ql UO ,'SlU<ll punolillO SluewAlld Ploqesll~l (q) ~Al1edo~d alll uo eOUll~qwnou~ 10 uen 11 Sl1 luelUlUlsuI Alf:Inoes s~ql l~AO Al!lOpd U~l1nl1 UIlO l[0~1lM. SUlel~ ~eqlo pUll SlU~WSS~ssll pUll S~Xl1l (u) ;~OJ ~np Slunotut! JO lU~lUAl1d 10J ep~AOld Ol ("spund" ~l{l) wns Il 'tttlJ u! p~lld Sf eloN allll~lun 'eloN elll lepun :mp ::ll'll SlU::lIUAlld OfPO!l~d Al1p ~lll uo l~Pu:ll Ol Al1d Ul1l{s l~M.OllOa 'swall MO.l3Sll .IoJ spun.il .E 'SlU~tuAUd ofPoP~d ~llHo 'lunowll ~lll eilullllo ~o '~lIlP enp ::!l[l :modlso,d 10 pU~lX~ lOU Ut!l[S ~loN :Jill l~pun anp [l1d~ou~d Ol sp~eoo~d snO:JUll[[~OS!W 10 'sp~~oOld eOU111nSUf 'Slu:lUlAUd JO UOH'llO~lddll AUY 'alON ~lll U~ p~q~os~p SIl ual{l pUll S:J:lJlllllo lU~wAt!d:Jld AUl1 OllSlY p::lnddu eq [[lll[S SlU~WAt!d~ld A1l1lunlOA "~np se'8111l[0 ~llll AUIl Ol pe![ddt! ~q At!U1 SS~OX~ lIons 'SlU~U1Al1d o~po~ed ~~ow 10 euo JO lU~WAl1d unJ ~lll Ol peHddl1 s~ lu~tuAud el{l laYIl SlS!Xe ss~ox~ AUl1 ll111l lU~lX~ elll 0.1 'unJ u~ p~l1d ~q uuo lu:ltuAl1d l[01l~ 'lllllllU~lX~ ~lll Ol pUll 'p Slu:ltuAl1d o~po!l~d ~l[l JO lU~UlAl1d~l ~l{l OllaM.Ollog UlO.g paA~eoellu~lUAUd AUIl Alddll AIlW l~pU~'l 'ilu!pUl1lSlno s~ lU~WAl1d o~po~ed euo UIll[l elOUl JI '~'8111l[0 al111 ~ql PUl1 lU~UlAlld lu~nbun~p a1{l ol panddll ~q Al1Ul lU;;lUlAl1d alll 'enp e'811111o elll[ AUIl Alld OllunOlUll lu~~oYJns II s~pn{Ouf l{O!qM.lU~UlAt!d o~po!led lu:lnbuHep II mJ laM.Ollog wo.lJ luawAt!d t! S~A~;;lO~l lepu:l'l JI 'eloN ~lllJO eou11111q 111dpu!ld elll ~onpel Ol uelll puu 'lUeUlnllSuI Al!lnn~s S!l[llepun enp SlUnOlUl1 lalllo AUl1 Ol puoo~s 'se'81Ilqo elul OllSlY p~nddt! ~q Ullqs SlUnOlUl1 ilU~U~l1Ul~l AUY 'enp ~UlIlO~q If IP!llM. u~ l~plO ~lll U! lU~tuAl1d O!POP~d qOl1~ Ol P~Hddt! ~q [[llllS SlU~lUAl!d lIons '( uOHo~S lepun enp slunown (0) ~aloN <ll[l ~<lpun ~np [l!dfOU!ld (q) ~~loN ~l[ll~pun ~np lS~l~lU~ (l!) :Al!lO!ld JO l~plO '8U!M.OHoJ ~ql u~ p~nddl1 ~q HillIS lapua'l Aq P<lHddl! pUll paldaool1 SlU~UlAd HU 'z UOHO<lS s~l[l U~ p~q~os~p ~S~M.l<ll[lO st! ld~ox3 .spaa30.ld.lo sluawAlld JO UO'l1l3nddy "z: .lU~UllUlsuI AlpnO<lS S~lll Aq p~lnoes SlU~Ul~<llgll pUll SlUUU<lAOO <ll[l ilU~UllOJ1~d 10 lU~lUnllSUI AlUn:les s~ql pUll eloN ~lll lepun enp SlU:)UlA'lld ilu!:>J.l1Ul UlO.g 1~M.011Og ~A:l~yal Hl111s l~pu~l lSU!l1ill1 ~lllltlJ ;;ll[l U! 10 M.OU nl1l{ lqilflU l~M.OllOg 1l0~1lM. Ulfl1{O ~o lesJJO ON '<llnsoJO<lloJ Ol ~o~d AI<llUfP:;lWlU~ alON ~ql lepun ~OUl1[l1q 111d~ou!ld '8u~pUl1lSlnO aql Ol P:;lflddll eq mM. spunJ l{ons 'l:;lf{lll:;l P:;l!lddll lOU JI 'laM.oJ..lOg Ollll~ql wnla1 10 spun] lpns A[ddt! l;;lt{H:;l [[t!1{S l:;lPU:;l'l ':;lUlH JO po~ed :;l[qUUOSt!:;ll l! u~l[HM. os op lO" S:;lOP l<lM.OllOg JI 'lu~llno ut!o'l :;ll{l ilu!lq Ol lU:;llUAl1d S:;l:>J.l1Ul leM.Ollog nlUn spunJ P:;l~lddllun l[ons Plol{ AlllU l<lpU<l'l "spunJ p~nddl1un uo lS~lelU! Al1d lOU p~eu l:lPU~l u~ql '~lllp ~np p~[np~qos Sl! JO Sll P:;lf[ddll Sf lu:llUAlld o~pof-l~d l[0'll:;l JI 'P~ld~oo'll OIl'll SlU:ltuA'lld lIons ~lUfl ~qlll! SlU:;lWAt!d lIons Alddl1 Ol p~ll1'8nqo lOU s~ lepuellnq 'elnlnJ ~lll u~ SlUeUlAl1d [l1~:j.ll1d 10 lu:lUlAlld qons esnpl Ol sll{il!l sH Ol ~O!pnf~ld 10 l:;lpUn<ll:;ll{ Sll[ilp AUIl JO l~A!l1M. lnoqHM. 'lU:;lllnO Ul!Ol <ltll gu~q Ol lU~PYJnsu~ lU<llllA'lld [l1f:j.llld 10 lUaWA'lld AUIl ld~OOl! Al1lU l~pU:;l'l 'lu:lllnO UIl01 ;;ll[l ilupq Ol luepYJnsu! e11l SlUelUAl1d [l1~:j.ll1d 10 lU~tuAlld elll J~ lU:;ltuAl1d Illf:j.l'lld ~o lU~WA'lld Am! lUlll:;ll AUUl l~PU:;ll '~[ UO!p~S uf suofsfAOld ~O!lOU ~l[l l[lfM. ~OUl1plOOOl1 U! lepu:l1 Aq pell1uil!s~p ~q Al1Ul Sl1 UO!l110011~qlO lIons III 10 ~lON ~4.l uf p<ll'lluil~s~p UO!lIlOO[ ~lllll! P~A!~O~l U~l[M. l~pU~'l Aq p~A~~O~l p~w~ep ~111 SlU~UlAlld 'laJsuul.L spund O~UOlp<l13 (p) 10 ~AHlU~ 10 'Al1[l1lU~WnllSU! 'AOu~gt! [lll~P~J t! Aq p~lnSU! elll SHsod~p eso1{M. UOnnl!lSU! Ull uodn UM.111p S! :>J.oaqo lIons AUIl p<lp~AOld ':>J.0:;ll{0 S,l<lfl[S'110 10 :>J.oal[O s,lalnSllall ')[oe1{o ){ut!q ')[O~lp P~!.El1:;lO (0) ~leplO A~UOW (q) ~qSt!O (t!) :lapu~l Aq p:;lp:;l[:;lS S'll 'SUllOJ gU~M.OHOJ ~lll JO <l~OW 10 ~UO uf :;lpt!W aq lU:;lUlnllStt! Al~1nO;;!S Sfl[l put! :;llON ~l[l l~pun <lnp SlU:;lWAlld lU<lnbasqns UU 10 AUll llll[l :ll~nb",l A'llUl l<lpua'l 'P!udun ~apual Ol paWnl<ll Sf lU<lUllUlSUI Alflnoas S~l[l 10 alON al{l ~<lpun lueUlAud SIl lepua'l Aq paAfaoa.l lU<lUlnIlSUf lal[lO ~o :>J.oal[o AUIl p 'leAaM.OH 'Aouallno 'S"fl U1 ~pl1Ul aq Hl111s lU~UlnllsuI Alf-lnoes S!l[l pUll eloN ~l[l l~pun enp SlUeUlAl1d 'f;: uOHoes Ol lUl1nslnd SW:;lll M.010S3 10J sputlJ Al1d OS[l1 Hl111s l:;lM.OllOg '~loN ~l[l l~pun :;lnp S~illl1110 :;ll111 put! s~glt!llo lU~wAt!d~ld AUIl PU'll "'loN aql Aq P~OU~P!A~ lq~p ~l[l 'UO lS~l;;)lU! pU'll 'Jo [t!dfoupd al[l anp u~qM. ^~d nl1l[s leM.Ollog .sa:J.ml[;) alll'l pUll 'sag.llll[;) luawAt!da.ld 'swall MO.l3Sll 'lsa.laluI 'It!dpu~.Id }O luawAlld 'I :sMoHoJ Sl1 ~aliJl1 put! lUl1u:lAOO l~pU~'l PUl1 l~MOIIOg 'S.LNVN3AO:) WlIOdlNfl Bv!.. oo."",t.., J ao ,J ~~IJ~.. . L~C"'h, l ~ - - - Ob742bb 749 provide receipts shall 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 Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESP A, and (b) not to exceed the'maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures offuture Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESP A. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESP A, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that 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 Instrument 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 which 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 this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Len~er 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, This insu~ance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection 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 WYOMING - Single Family. Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3051 1/01 Laser Forms Inc. (800) 446-3555 LFI #FNMA3051 1/01 Page 5 of 13 InitialS~ ~. - - - ~ --iittP ~ '::>1..1'\ ,~ :SIB!l!UI \O/~ ~90E'fV'lN~# I~l ggg€-gl'l' (OOB) 'oul SWJO~ J3sel ~O/~ ~90& UUO:l lN3Wnl:llSNI Wl:IO::llNn :Jew alPpaJ:l/eew alUUe:l - ^IIWe::l 9IBu!S - 9NIWOAM n JO 9 aBed OllmmSlfid p~u~uu~lap s~ l~ sS~luD 'UO~l~pUO:J Sl! Ol anp an{M U! ~U~Sllal:J~p 10 ~U~lllJ.oP~l~P ID01J Al1adOld alll lU~A~ld Ol .Iap.lO u~ Al1adOld al{l U~lllu~llW Ill1l.{s l~MOllOg 'Al1adold alll U! ~U~P!S~l S! laM.Ollog lOU 10 l~l.{lal.{M. 'Al1~dOld ~lll UO ~lSl1M. l~UlUlO:J 10 ~llllO!.lalap Ol Al1adOld al.{l M.Onll '41~dOld ~llll~l1dUl~ 10 a~l1wl1p 'AOllS~P lOU lllll{S laM.Ollos: 'suo~padsuI :AJ.l3do.ld 3ql }O UO!P3lO.ld pUll 133UllU3lU!llW 'UO!lllA-l3S3.ld . L 'IOllUO:J S,l~M.OllOS: puoAaq all1 1l:J~1lM. lS~X~ S~:>ulllsUln:>l~:> :au~llln~lx~ sS~lun 10 'p{allllHM. ANl1UOSllalun ~q lOU Ulllls lU~SUO:> 1l:>111M. '~Um.lM. U! saal1fl1 aS~M.l<llllO lap~l ssalun 'A:JuEdn:>:>o JO alllp ~ql l<llJl1 maA auo lSl1~l ll1 10J aO~P!Sal Illdpu!.!d S,laM.Ollog Sl1 Al1adold alll hdnooo Ol anU!lUOO Ul1l.{s PUE luaUlnllsuI Alpn:>~S s~q.l )0 UO!lnOaXa alll l<lUl1 SAEp 09 U~llHM. ~:>U~P!S~l Illd!:>u!id S,laM.Ollog Sll Al1adOld alll asn pUll 'lls!Iql1lS~ 'Adn:>:>o Ulllls l~M.OllOg .,bulldn330 '9 'anp ualllloU .10 l~l.{lallM. 'lUawnllsuI Al!.!n:>aS S~l.{110 alo N al.{ll~pun p~lldun SlUnOlUl1 Al1d OllO Al1adOld alll ~lOlSa.l.lO l~lldal ol .Ial.{H~ spa~:>Old ~:>uelfiSU! ~ql asn Al1Ul lap~l 'Al1adOld alll JO a~ll1~AO:J ~ql Ol ~[ql1:>~{ddl1 ~111 Slll~P ll:>ns Sll 111JOSU! 'Al1adOld ~ql 1fU!laAOO s~~:>![od ~:>Ul1lfiSU~ Ulllapun (laM.Ollog Aq p~l1d SUln~Ulald pawllaun JO punpJ hUll ollq~P ~lll ulllll .I:lIIlO) Sll{~!l S,l~M.OllOgJO lalllo AUl1 (q) pUl1 'lUaUllulsuI Alpno~s S!l{110 ~loN ~l{l J~pun p~lldun SlUnOWl1 alll paaoxa OllOU lUnOUll1 Ul1 U! sp~~:Jold aOUlllnsu! AUll Ol Sll.{~P S,laM.Ollog (ll) l~pual Ol SU'3~SSl1 Aq~lall laM.Ollog 'as!M.lalllO 10 ZZ UO!lO"'S lapun Al1adOld alll s~l~nboll l"'PU"'l J! 1.0 'lU~A~ l~l{lP UI 'U;JA!~ Sl a:JHou ~lll uallM. U!~"'q lHM. po~ad Al1P-ot: ~I.{~ 'Ul!ll(:J ~I.{l "'[ll"'S pUll ~ll1!lo:i~u AllW .I:lP~'l U~lll 'Ul!l1(:J 11 ~lnas Ol p~laJJO Slll.{ la~l1:J aOUll.lnSU! "'I.{l llllll lapu"'l UlOl] "'OHOU II Ol Shl!p Ot U111HM. pUOdS~l lOU s",op laM.Ollog JI 'S.lanl1W pal111"'1 PUl1 Ul111(:J aOUl1lfiSU! ~lql1Ul1Al1 AUl1 ~ln~s pUl1 ~lllq01f~U 'am Al!lU l~pU~'l 'Al1~dold ~lll suopullq111aM.Ollog JI 'Z UO!P~S U! 10J P~P!AOld l~plO ~l{l u~ P~Hddll ~q Illll{s sp~~:>Old ~:>Ul1lfiSU! l{:>ns 'l~M.OllOg Ol p~lld 'AUl1 J! 'ss~:>xa alll l{HM. 'anp ualll lOU 10 lal{l~llM. 'lUawnllsuI Al!.ln:>~s S!l{l hq p~lfi:>~S SUlns ~l{l Ol panddE aq Ulll.{S spa~oo.ld ~:>UlllfiSU! ~lll 'p~u~ss~l ~q PlnoM. Alpno"'s sPpual10 ~lq!Sl1~J ^lll1:>!WOUOO~ lOU S! .I~llda.l .10 UO!lElolSa.l al.{l JI '.IaM.Ollos:]O UO!lll~![qO ~loS ~l{l ~q Ul111s PUl1 spaaoold aOUl1lfiSU! ~lll JO lOO p!l1d aq lOU 1I1111S laMollog ^q pau!llla.l 'sa!l,md Pl!lll .I~l{lO.lO 'slalsnfpll :>~yqnd 10J s~ad .spaa:JOld ll:Jns uo s:iu!wl1a 10 lSalalU! AUll .laM.Ollog hlld Ol pal~nb~l ~q lOU Ulll.{S l~pu~l 'sp~aoOld a:lUlllfiSU! ll:Jns uo p!l1d aq Ol lSalalU! s;;u~nbal M.l!'l ayqll:>~lddv 10 HU!l!.lM. U! ~pllW S~ lUaUlaal~ll Ul1 ssa{UD 'palaldUloo S! 'IlOM. alll Sll SlUawAl1d ssal~Old JO s~!.!as 11 U! 10 lU~wA'lld ~l1fU!S II U! uO!lelOlS~l pUll Sl~l1d~l ~lll 10J sp~~:>Old ~s.lnqs!p Al1Ul lapual 'AlldUlOld Ua'Illl1~pUn ~q Ulll.[S Uo!p~dsu! ll:ms llll.[l pap!AOld 'UOH0l1JS1ll1S s,.Iapual Ol pala(dwo:> uaaq Sill{ 'I.I0M. ;,)I.{l ~.lnSU~ Ol Apadold q:>ns lO~dsu! Ol hl~Unl1oddo Ull Pl111 Sl111 lap~l Ulun spa;')oold aOUlllfiSU! l{ons PIOI.[ Ol ll{~~ ~lll ;,)AIll{ Ill111S lapual 'po !lad UO!l\'l10lS~1 PUl1 l~l1dal l(:Jns :iupna 'P~U~SS~{ lOU S! hl~ln:>~s s,l~pu~l PUl1 ~lq!sl1aJ AU110!WOuooa S! l!l1d~.1 10 UO!l1110lSal ;;Il{l J! 'Al1~dOld al{l JO l!lld;,)J 10 UO!llllOlS~l Ol P~!lddl1 ;,)q 1I11qs 'lap~l Aq pal~nbal seM. aOUl1lfiSU! :iu~hpapun ~I.{l lOU 10 l~lllallM. 'spaaoold ;')OUlllnsu~ AUE 'SU!l!.!M. Ul a~l:il1 ~S!M.lalllO l~M.OllOg pUll l~p~'l ssalUfl 'laM.OllOg,(q ^lldUlOld ~pllUl lOU J! SSOl JO Joold ~'IIlW A'llW l~PU~l 'l~pual pUll 1~!1l'll:J ;'):>Ul!lfiSU~ ~ql Ol ~:J!lOU ldwOld aA!:i Ul111S .I:lM.OllOg 'SSO[ JO l~Aa al{l UI 'a~Al1d SSOlll1U01HPPl1 Ul1 S1110/PUl1 ~~:i11:i110Ul Sl1 .Iapua'l aUl'llU Il'lll{S PUl1 asnl1(:J a'311~110W pll1pUl1lS 11 apnpu! U'lll{S A:Jnod I.{ons '^llado1cf al.{l 'JO UO!lOO.llSap 10 'Ol ;')SllUlllp .I0J 'lapml1 Aq p~l!nb;')l aS~M.l;,)l.{lO lOU 'aH'lllaAOO aOUl1.1nsu~ ]0 uuoJ AU'll SU~'lllqo laM.Ollog 11 'sa:JHou {'llM~~l PUl1 SWn!Ul~ld p!l1d JO Sld!~:>~l II'll l~pual Ol ;')A!~ AlldwOld Ul111s laM.Ollog 'sal!nb<lll~pU~l ,11 'S~lll:J!Hll~:> {11M.~~1 PU'll sap!Iod al{l P{Oll Olll{~!'! alll ~Al111 Il'llqs lap~'l '~~Al1d SSOll'llUOmpp'll U'll S'll 10/PU'll ~;,)iillSl-IOW Sll lapual ~WEU UEI.{S. pU'll '~snllp ;,)Sll1fl.IOW pl'llpU'lllS II apn(:Ju~ lllll.{S 's~P!lod q:>ns ~AOlddllS~p Ol ll.{S~l s,l~pual ollOafqns ~q Ul1l.{s sa!Onod lIons JO Sll1M.;,)ual pUll .Iapual Aq p~l~nb~.1 sa~o~lod aoul!lfiSU! llV 'lUawAl1d ~u!lS;mb;')l l;,)M.OllOg Ol l~pu~l W01J ~:>!lou uodn 'lS~l~lU~ ll:>ns qHM. '~[ql!hl!d ~q UllqS pUB lU~Ul~slnqs~p JO all1p aql Ul01J al111 ~loN ~qlll1lS~lalU! lll~q Ul111s SlUnOWl1 ~s~ll~ 'lU;,)lUOllsuI AHlfi:>~S S!ql Aq p~lfi:>~S l~M.OllOH JO lqap [tlUO!HPpll awoo~q llEI.{S S uO~lOas s~l{l lapun lapual Aq paslfiqs~p SlUnOUlll AUY 'p;')U~lllqo aAllll Plnoo laM.Ollog llllll aoulllnsu~ JO lSOO aql paaoxa AIlUllO!HU~!S lll:i~w pau!l1lqo os ;,):il1.1aAOO aOUll.lnSU~ al{l JO lSOO al.{lllllll s~:ip~{M.oID[Ol1 laM.Ollog 'loaJp u~ A{SnO~Aald Sl1M. Ul111l ~~l1l~AO:> l~SS~{ 10 l~ll1~l~ ~p~AOld ll{1f!lU pUll hl~l~qll!{ 10 pl'llZEl{ ''Is!.! hUE lSU~llSll 'Al1~dOld alll JO slualuoo ~llllO ',(lladold alll u~ ^Hnba S,l<lM.OllOg 'l:lM.OllOg palold lOU lq1f!lU '10 lq1f!W lnq 'lapml'llaAO:J lllll.{S ~11111aAOO I.{ons 'alOplal.{~ 'all111aAOO JO lUnOUll1 10 ~dAllllln:J~Plld AUl1 aSlll.{OlOd Ol UO!ll11fnqo ou lapun S! lapu~'l '~su~dx~ S;l~M.OllOH pUll uoqdo s,lapuall11 'a~lllaAOO :lOUlllOSU! U!lllqO hllW lapua'l 'aAoq'll p~q!.lOS~p S~Slll~AO:> ~I.{l JO AUll U~lllU~llUl Ol SUllJ laM.Ollog JI 'l~M.OllOg hq UO~p;;Jfqo Ul! UlO1j HU!llnsal uoqllU!UUalap auoz pOOH hUll JO M.~~A~l ~ql I.{l!M. uon:>auuo:> u~ Aoua1fy lu~WaStmllW AouaSl"'Ul3 1111apa,.I al{l Aq p;;Jsodw~ s~~J AUll JO luawAl1d alllloJ ~{q!SUOdSal ~q OS{ll 11l111s l~MOllOg 'UO~lll:>ml-I~:> 10 uonllU~uualap q:ms p~JJll ll{ii~lU A{qlluOSl1a.l 1l0!1lM. lnO:JO saSUl111:J 111HW!S 10 s1fu!ddl1W~l ~Wn q:>ll;;J sa1flllll:> lu~nb~sqns OS I.. 99(~'t/lJjn ..... - - - G81'""i'42liG 751 Section 5 that repair or restoration is not economically feasible, Borrower 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, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender'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) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, hut are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or an actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10, Mortgage insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance 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 BOlTower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to 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 insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, 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 that Lender requires) provided by an insurer selected 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 payments toward the premiums for Mortgage Insurance, Borrower shall WYOMING - Single Family - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3051 1/01 Laser Forms Inc. (800) 446-3555 LFI #FNMA3051 1/01 Page 7 of 13 InlUals: ~l~ ~ W ~ lit.... - - - ~ ~~ ~J:Sle!l!UI ~OH ~90&VV\lN:I# 1:11 999&-91>1- (ooe) 'OUI SWJO:l J9S"1 ~on ~SOE WJo.:l lN31/11mllSNI I/IIMO:lINn ::Jew 8lPpSJ:l/aew aluue:l " ^I!we:l alflulS. 9NIWOAM U JO 8 aBed S~lll ,{q p:un:l~s swns ~ql Ol PQHddl1 aq [(eqs sp~a:loJd snoaul1HQ:ls~W aql 'iJuH!JM. u~ QQlge QS~M.1~l.{lO l~P~l PUl1 laM.Ollog ssaIun '~nIeA u~ SSOl 10 'uo~PrulS~P ''iJuPlel le~}.led aql :llOpq ,{I<lle~paUIw~ p<lJn:l<lS SUIns Qql JO lunowe ~ql uelll sS:;JI s1 ~nleA u~ SSOI 10 'uo~l:lnlls~p 'gu~'ll1l Ie~}.led ~lll ::J10J::Jq ,{[~le~p~wUl~ ,{}.l~dOld ::Jill JO an[M la){leW l~eJ aqll.{:l~I.{M. u~ ,{}.lQdOld :lql JO anIeA u~ SSO[ 10 'UO~PrulS<lP 'i3U~'ll1l Il1~}.led e JO lU<lA<l aql UI 'l~M.OllOH Ol p~l1d aq Hel(s ~:lU11111q AUV 'anleA U~ SSOllO 'UO~l:lnllS~p 'iJU!'lell11~}.ll1d ~lll ~lOJaq ,{1~ll1~p~WUl~ ,{}.l~dOld :;Jill JO anlM l~){ll1Ull~l1J Qlll (q) ,{q p~p~A1P ~nll1A u~ ssollo 'uO~l:lnJlS~P 'i3u~){l1l le~}.ll1d aql :;J10J~q ,{[~ll1~paWW~ pa,m:l~s swns ~lll JO lUnOUll1 llllOl ~I.il (ll) :UO~l:lR1J i3u~M.OHOJ ~ql ,{q p:mdmnw spaa:lold sno~ueH~o5~W ~lll JO lunoUle ~lll Aq pa:lnpal ~q Hl111s lU~Ulrul5UI ,{g.mO:lS S!ql ,{q p~.m:l~S swns alll 'gU9~M. u~ QQlgll ;;lS~M..l~lllO l;;lP~l pUll l~M.OllOH ssa[un ';;In[M u~ ssoI .10 'U090nllS~p 'flU!'ll1l 111~}.ll1d ;;llll Q10JQq ,{lalB~paUlw~ lu~wnllsuI ,{l~n:l~S s~lll ,{q pa.m:l~s swns Qql JO lunoUl11 ~I.{l uelll l~ll1;;llg 10 Ol 11mb;;l S~ ;;lnl11A U~ SSOllO 'UO~PTlIlS;;lp 'guq11l 111~}.ll1d ;;lql ;;llOpq ,{[;;lll1fP~WW~ A}.l;;ldOld ~ql JO ;;lnll1A l:l){lllUl l~llJ ;;lql q:l~qM. U! A}.l~dOld :lql JO QnreA U~ SSO[ 10 'Uo~pnllSQP '8u~'lllllt!!}.lt!d t! JO lU;;lAa Qlll UI 'l~M.OllOH Ol p~l1d ',{Ull J! 'Ssa:lX~ Qlll llgM. '~np ~lll lOU .10 lal.{l~qM. 'luawrulSUI Al~n:l~S S!ql Aq p~ln:l~S swns Qql Ol panddt! ~q [(l1qS spaa:lOld sno~uBII;;l:lS!W :;Jill ',{}.l:ldOld aql JO anIt!A u~ 5501 10 'uo~prulsap 'iJUf'll1l [l1lOl 11 JO luaAa aql UI 'Z UO~PQS U~ 10J p:;Jp~AOld 1:;Jp.10 ~ql u~ P~Hddl1 ~.q IIl111S SPQ~OOld sno~ut!lp:lS~W lIons "lQM.01.IOH Ol Pft!d 'AUll J! 'SS~:lxa al(l ql1M. 'anp uaqllOu 10 l:;JqlallM. 'lU:;JwnllsuI ,{l~no~s s~ql ,{q p~.m:l~S swns ~lll Ol PQHddB aq 11l1l{s spaa:lold snoau111p:ls~W ~lll 'p~u~5S~1 ~q p[noM. ,{nm:l~s s,l~pu~l 10 alq~sl1~J ,{[[l1:l!UlOUOO~ lOU 51. l~l1d:;Jl 10 U0gelOlS~1 aql JI "spaa:lOld sno~Ut!n~:lS!W t{:lns UO SgU~U.lt!;;l 10 lS~l~lU~ AUl1 l:lM.OllOg ,{lld Ol p~l~nb~l ~q lOU IIl1qs lap~l '5paa:lOld snoQUllHaos~w ll:lns uo p!l1d ~q OllS:l.lQlU~ sQl~nb~l M.t!1 ~[q11:l!Iddv 10 gU9~M. u~ ~pBUI Sf l~wa~lgl1 Ull sS~lun 'P~l~[dUlo:l 5~ ){10M. :;Jql Sl1 SlUawAl1d ssalgOld JO s:;J~:;Js 11 U! 10 luaUl~s.mqs1P ~lllu~s e U! U09"ll10lS~1 pUll sl~l1daJ ~lll .10J ,{t!d AllW l~pu~l .AlldUloJd ua'lt!}.lapun ~q [[t!qs u01padsu~ ll:lns It!lll pap~Aold 'uo~Pt!Js911S S,.lQpual Ol P~l~[dUlOO u~~q st!q :liJOM. alll QlnS~ Ol ,{}.l:;JdOld q:lns padsu~ Ol Al1un}.loddo ut! pt!1.{ Sl111 lapuQl Ulun Spa;;l:lOld sno~ul1[[a:ls~w q:lns PI oil Ol lq8!1 aql aAt!q Hl111s l~pual 'po!l~d UO~l1110lSal put! l~lldaJ ll:lns gu~na 'pauassal lOU s~ ,{l~n:laS s,lapu~l PU11Qlq~st!QJ Alll1:l~Ulouooa s~ l!t!d~J 10 uoqt!JOlSQ.1 alll J~ 'A:}.ladold aqljO l!ed~l 10 UO~ll1lOlS~l Ol p~Hdde ~q HellS SP~~:lOld sno~ul1Ha:ls~w ll:lns 'pagl1wl1p s~ Alladold alll JI '.1~pual Ol p~l1daq HellS PUl1 Ol pailli~ssB Aq~laq ~lt! sp~a:lold snoQueHa:ls~w HV .:J.lnl!:JJ.lO.il !spaa:JO.ld snOaUllUa3S!W JO lUawu3!ssy .11 .uo!JllU!WJ3J .10 UO!JBU3;)Ut!;) q;)ns JO 3Wn aqllB p3UJB3Un 3J3M Jt!l.{l swn!w3Jd 3Juu.lnsuI 33B3J.loW AUU JO punpJ B aAla33J OJ JO/PUB 'AUUJ!Juwolnu P3lBU!W.l3J 3;)ut!.InsuI 3gt!3l.lOW al.{l aAlll.{ OJ '33Ull.lnsuI a3dpow 31H JO UO!Jt!1I33UU3 U!t!lqo pUB lsanb3.1 Ol 'S3.1nSOpS!p U!Up"J aA!3;)3.1 OJ ll.{3p 3qJ 3pnpU! Aew Slq3p 3S31U 'Mel .I31.{JO AUt! .10 8661 JO py UO!P3JO.ld S.l3UM03woH 31.{J .I3pUn aJullJnsuI 33u3J.loW "qJ OJ p3ds3.l lmM - AUU J! . SUI.{ .Ia.\\o.l.loo: slq3p 31.{l paut! lOU II!M slUaWaa.l31l lpns AUY (q) .pUDJ3.1 AUt! Ol .l3MO.l.lOO: allnua lOU II!M Aal.{J pUtt '3;)U1UnsuI 3gdpoW .loJ 3MO II!M .I3MO.l.lOO: lunowt! 31.{l aSlIa.l3U! lOU II!M SlU3W33.13tt 1.{3nS 'ut!o'1 31.{l JO sW.lal .Ial.{lo Aue .10 '33UeJnsuI 3gt!gl.lOW .IoJ AlId Ol p3a.l3u suI.{ .I3A\O.l.lOg llll.{l slunowt! 31.{l paUli lOU II!M SJU31U33.1b I.{;)ns AUV (1I) :laqllDtlll"QOut!lnSU!a.1 aA!ldt!:l1l p~tul~l U~lJO s~ l~wallul111l1 alll 'lamSU! alll Ol p!l1d SUln!Ul:lld Qlll JO alBllS 1'1 10J ~iiut!ll:lX~ u! 'ls~ s,la.msu~ Qlll JO alBl.{s II sa'lBl l~pu~l JO al11H!JJl1 UB ll1ql S~p~AOld luaUlaaliil1 q:lns JI 's~ssoI flupnpal JO '){S~ S,lQlDSU! aiiBll}.lOUl al{l llU!,{J!POUl 10 gU~l1qs .10J ~llUBq:lX~ Uf '~:lU11lDSUI ;,)fll1ll110W 10J Slu;,)w,{l1d S,J~M.OllOa JO UO!llod 11 (Sll p~Z~apBll111:l ~q lqll~w 10) Ul01J aA~lap l'lll.{l SlUnOW'll (AIl:laJ!pu~ 10 AIP::lJ~P) ;,)A!::l:laJ A'llUl 'iiu!oiialOJ aqlJo ,{U'll JO ~l'llHYjB AU11 10 ',{l!lua laqlo ,{UB 'l~.lllSU!al AUt! 'l~lDSU~ l~I.IlOUB 'aloN ~ql JO 1~sl111:l1nd ,{ue 'l~pual 'Slu~l.U~~Jiil1 as:llll JO l[nSQl 11 sV " (sUln!Ulald Q:lUl1lDSUI ~iil1iillOW W01J p~U~l1lqo spunJ apnpu! ,{l1W q:l~I.{M.) alqllpllAl1 ~Al1l{ Al1Ul lalDsu~ alll111110W ~l{l ll1l{l spunJ JO a:lIDOS Aue llufsn SlUaWAl1d a){l1w Ol lQlnSU~ aiil111}.loUl ~ql aJ!nbal ,{BUl sluawa~18e ~SQll1. 'slu~Wa~lfll1 asaql Ol (sa!ll'lld 10) A}.lBd laqlo ~ql pUll J~lDSU~ ;,)gl111}.loW alll Ol ,{JOPl1JS!ll1S a.1B lllql suo!l!PUO:l put! suual uo a.1'll sluaUlaalllB asaq1. "sassol a:lnpaJ 10 '){S~ l!Ql{l AJ!POW 10 all1l{S ll1l.{l sa~l.md lalllO llEM. SluaUlaalii'll OlU! J~lU~ Al1Ul pUll '~W~l Ol aW~l wo.1J a:lloJ u~ a:lul1Jnsu! ll:lns II'll uo 'ls~ l'lllOl l!aql ~lBnlBAa SI~JOSU~ ~gl1g11oW "a:lUlunsuI ;,)llBll}.lOW :Jill Ol A:}.lBd t! lOU S! laM.OJ,lOg "paalgB SB u1lO1 ~l(l At!d~J lOU s~op l~M.OllOg J~ In:lU! AllW H sass or u~lll1a:l lOJ (~lON alll s~slH[:llDd ll1lll Al!lU~ AUl1 10) l~PU~l s~slnqUl~al ;,):lUl1lDSUI a811g11ow '~loN ~l{l u~ pap~Ao.1d al111 ::llllll1lS:;Jl:;JlU1 Aed Ol UO!ll1gnqo S,l~M.OllOH Sl:l~JJt! 01 uo~pas S~lll m '3u~qtON 'M.1l1 a[qB:lHddy ,{q pal!nbal S! UO~ll1U!UU:Jl l!lun 10 UO!lt!U!l.Ulal q:lns 10J 8U!P!AOld J~PU~l PUl1 l~M.OllOH U~~M.l~q lU:JUlaa.1gB U~ll!lM. AU'll I.{EM. a:lut!plO:l:lt! U! spu~ ~:lUl1lDSUI alll1iil1ow 10J lu:lW~l~nbal s,lapu~l Elun ':lAlaSal SSO[ ~lqepunpl-uou 1'1 ~p~AOld Ol 10 'l:l~JP U! a:lUlllDsuI ~1l11'3110W U~l1lU!l1Ul Ol pal~nbal swn~UlaId ~lll ,{l1d ? g I.. ~)9~btJ~{) ....... - - - Utr7/1-~G() '753 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 collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest' in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13, Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and severaL However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under 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 shall not be construed as a prohibition on the charging of such fee. Lender 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 connection with the Loan exceed the permitted 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 WYOMING . Single Family - Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3051 1/01 Laser Forms Inc, (800) 446.3555 LFI #FNMA3051 1/01 Page 9 of 13 Initials: cmG h.J~~ ~ ...... - - - Af ...wt9~-y.TT~ :sI8!I!UI ~OH ~SO&\fV4N:I# 1:11 SSS&-gl>I> (001l) '~ul sUJJo,l Jesal ~O/~ ~90e WJOd IN311\1m:llSNIII\Il:IOdlNn :)eW alPpeJ:l/aew a!uue:l - ^IIWll.cl alBu!s - ElNIWOAM n JO O~ a6ed 'SUllO} gU!h\OIlO} ~ql}O ~lOW 10 ~UO U! s~su~dx~ PU'll swns lU~W~I'llISU!~l qons A'lld l~MOllOg l'llq! ~lfnb;;ll A'llW l~pU~'1 "P~gU'lll[Oun ~nu!juoo lIuqs 'IU;;IWnllSUI AHInO~S Sfl.{l Aq p~InO~S sums ;;l1.{1 A'lld 01 UO!lug!{qo s,laMollog puu 'lu;;lWnllSUI AHInO;;lS S!ql lapun Sll.{g!l puu Al1adold aql U! IS;;ll;;lIU! s,l;;lpua'1 luql ;;lInSS'll 01 ;;ll!nb;;ll A{quuosn;u Anw l;;lPU;;l'1 S'll uO!jon I.{:ms Sa){'lll (p) puu ~IU~WnllSUI AI!lno;;lS S!qll~pun slqil!1 puu Al1~dOld ;;ll.{l U! IS;;ll;;lIU! S,l~pU;')'1 ilU!p;;lIOld}o ;,)sodInd ~l{l 10} p;;lllnouf S~~} l~qlo PU'll 'S;);,)} uO!jlln[llA PU'll UOHOo>dsu! All~dOld 's~;,)} ,SA;;lWOn'll ;;l[q'llUOSl:!;;ll '01 P;,)HwH IOU Inq 'gu!pnpu! 'IU;,)WnllSUI A1UUO;;lS S!I.{I ilU!:llO}Ua uf pallnOU! sasuadxa Hll sAud (0) ~sluamaalilll 10 simmaAO:l .l;,)l{10 AUll }O llnn}ap AUll saInO (q) ~p;;llln:l:lO pill{ uOHlllaiaoou ou }! Sll aloN al{l pUll luamnllsuI AHInoas sft{l .lapun anp ;;lq p{noA\ ual{1 ttO!ttA\ smns nil lapua'1 SAlld (u) :laA\Ollog lllttl all! SUO!HpUOO asol[! 'luawnllSUI AHlnoas S!ttl ilU!OlO}U;;l Iuawilpnr 11 }O AIIU;;l (0) 10 ~;,)lllISU!al Olll.{il!1 S,1;)MOllOg}O UOflllUfWlal attllO} APO;;lds lqil!w A\1l'1 a{q'llOHddy 811 POfJad lal[IO lIons (q) ~IUaU1nllSUI AI!1nO;;lS S!l[1 uf paUflllUO:l a[llS }O l;;lA\od AUU OllUllnSlnd Al1;;ldOld al.{l}O a[llS alO};;!q SAllp aAg te) :}O IsaHllla al[l 01 .lO!1d ;;lW!! AUll III panU!IUOOS!P luawUllsuI Al!1nO;;lS S!l[1 }O lUaWa:llO}Ua aAlltt 01 ll[il!l al[l aAlll[ Hlll[S laMollog 'SUOfHpuOO U!lll1aO Slaaw laA\Ollog}I 'UOH'll.l31333V .l3UV 31'll18U!311 011q3!1I 8,13,"-0110g '6l '.laA\Ollog uo puuwap 10 aOHou lalllln} lnolllfA\ IUaWn.lISuI AI!1nOas Sflll Aq p~nfUllad sa!pawa.l AUll a){oAuf AllW .l;;lpua'1 'poflad S!l[l }O UOHlll!dx;;l at{l 01 10!ld swns ;,)S;,)ql Alld 01 SHll} laA\Ollog}1 'IUaWnllSuI Aplno;;lS S!l{l Aq palnoas' swns Hll A'lld lsnw laA\Ollog l[:lfl.{A\ U!l{lfM S { uOfloas l{lfA\ aou'llp.lOOOU U! u~A!:l S! aonOU aliI ;;llllp ~ql WOl} SAllp OE uuq) SS;;I[ 10U}0 pO!1;;ld u ;;lP!AO.ld Huqs aOflou al{! 'UOflllla[aOOll}O ~:l!IOU JaMOllOg ;;lAfg llllqS .lapua'1 'UO!ldO Sfl{l sasplaxa lapua'1 }I 'M'll'1 a[quoHddy AI.{ P;;ll!q!l{old S! asplax;;l qons Jf lapua'1 Aq P;;lSP.l;;lX;;l ;;Iq IOU 1l1ll[S uondo S!l[1 '.l;;lA;;IA\OH 'IUaWnllSuI Alpnoo>s sfql Aq pamoas sums Ull }O Iln} U! lU;;lWAlld alll!paWW! annba.l kern lapua'1 'IU~SUOO uanflM 10fld s,lapu;;l'1lnolllfM (palla}SUUll 10 pros Sf laMollog U! IS;;llalUf {'llpyauaq 11 pUll uoslad IllInlllU 11 IOU Sf .laA\Ollog J! 10) pallaJSUll.lllO P[OS S! Al1ad01d aql uf IsalalUI AUll .l0 Alladold al[I}O jlud AUU .l0 Illl JI 'lasllq:lInd 11 01 al'llp alnln} tlllll;;lMOllOg Aq aIHljo l;;l}SUll1l aql Sf qOfl[M}O IU;;l!U! o>ql 'luawaalilll MOIosa 10 ptlllUOO salns luawIllllSU! 'p;;l3p 10} PllllUOO 'paap 10J puoq 11 uf pall;;l}SUUll SIS;;llaluf IUfoyauaq ;;Isoql '01 P;;lI!Wfl IOU lnq 'ilu!pnpUf 'Al1adold al[l U! IS;;II;;lIUf 11lf:l!PU;;lq 10 l'llg;;l{ AUll SUll;;lW "Al1adold attl U! IS;;ll;;lIUI" '8 { uOfpas S!lll U! pasn sy '.I3,"-O.l10g U! IS3131UI I8PU3u3g 'll 10 Al13d01d 3l{1 JO 13JSU'll1.L 'SI 'luawnllsuI Alpno;;lS sflllJo pUll aloN alllJo Adoo auo llaAfg aq Illll[S laA\Ol1og "Ado;) S,13M.0110g "L.l "UOnOll AU'll a){EI 01 UO!lllilflqo AUll lnol[HM UO!!;;llOSfP ~{OS saA!il "A'llWII plOM ;;I1.{1 (0) pUll ~llSl;;lA ;;lofA pUll IllIn[d al{l apnpu! pUll Ullaw Illll[S Illlnilufs ;;Il{l U! SplOM (q) :lapua8 ;;lu!ufwa} aqIJo SplOM 10 SplOA\ lalnau ilUfpuodsallO:l ;;lpnpU! pUll Ullaw 1l1ll[S lapuail aUHnOSllW ;;Il{l }O SplOA\ (E) :luaWnI1SUI Alfluoas S!ttl Uf pasn sy "UO!S!AOld :3ufpflJUOO attl Inol{lfM lOa}};;! UaA!:3 aq uuo ttO!ttA\ ;;lION al{l 10 luawnllsul Al!1n:las sfql}O SUO!S!AOld lal{lo paJJe IOU HEllS PflJuoo l{ons 'A\ll'1 ;;llqllOHddy ttl!A\ sPHJuQ:l aloN attl10 luawnllsuI Alflno;;lS Sfl{I}O asnllp 10 UO!S!AOld AUll llll{l luaAa al.{l uI 'pllllUOO Aq IUaW;;I;;I.lilll ISUfllilll uomqfl{Old II Sll paUllSUO:l aq IOU lIEttS aou;;ll!s l{ons lnq 'lual!s aq Ittil!W If 10 p1l1lUOO Aq aalilll 01 sa!l1ud attl A\OnU AIHOfldw! 10 All!oHdxa Il{il!w A\1l'1 alqlloflddy "A\1l'1 a{qlloHddy JO SUO!!lllfWfl pUll sIUaW;u!nba.l AU'll 01 parqns alll luawnllsuI AI!1noas S!ql uf paU!llIUOO suo!!1l8flqo pUll Sll{ilfl ny 'pal'llOO{ S! ,\jl;;ldOld al{l l{O!l{M U! UO!pfps!1nf al{l JO A\ll{ al{l pUll Mill llllapa} Aq pawaAoil aq H'lll{s luawnllsuI ,(lpnoas S!l{! 'uo!pnJjSUO;) JO salnl[ lAHI!q'll13A3S :.\\8'1 ~u!u.laAoD '91 "lllaWnllSUI AI!1no;;lS Sfl{1 iapun IllaWalfnbal ilUfpuodsalloo al(1 AJsflllS IlfM IllaWaJ~nb;;u Mll'1 a(qllo!{ddy ;;ll{1 'A\ll'1 a(qllo!{ddy lapun pa.l!nba.l OS{ll S~ luaWnIlSUI AI!1noas S!l{1 Aq palfnbal ;;lO!lOU AUE 11 "lapU;;I'1 Aq paA~aoal AHllnlO'll Hlun .l;;lPU;;I'1 01 uaA!il uaaq aAllq 01 pawa;;lp aq IOU 1l1ll{S IUaWnIlSUI Alflnoas S!l{l l{lfA\ uonoauuoo uf aO~IOU ,(uy "laA\Ollog 01 aO!lou Aq ssalpplllal{louE paluug!Sap Slll{ lapUa'} ssa[un ufalal{ pallllS ssalppll sppua'1 01 (!llW SSll(O ISlY Aq If ilUH!llW Aq 10 If iluflaAHap ,(q uaA;il aq Illll{S .lapual 01 aO!lou ,(uy 'aw!l auo AUlllll luawUllsul ,(lpnoas S!l{llapun SS;;IlPPU a:l!jou pallluil!sap auo ,((UO aq AllW alal{! "a.lnpaoold pay pads lllql l{ilnoll{1 ssa.lppll }O a8uuI.{0 II !lOdal A{UO HEl{S laA\Ollog uaql 'ssalppll JO ailulll{o S,laA\Ollog 8u!!lod;;ll 10} ampa:lold 11 say!oads lapua'111 "SSalppll JO ailullqo S,laA\Ollog JO lapua'1 A}HOU AndwOld Hlll(s laMo11og '.lapua'1 01 aOllOU Aq ssalppll aOHou alnmsqns II pallluil!sap Sill( laA\Ollog ssa(un ssalppy ,(l1ad01d al{l aq nlll{s SSalppG a:lflOU aq~ 'aSfA\l;;ll{)O sannb;;ll A{SSaldxa A\1l'1 a(qllo!(ddy ssa(un SlaA\Ollog Illl 01 ;;IOflOU alnmSUOO nlll{s laA\Ollog ;;IUO AUU 01 aO;loN 'suuaw lal.{lo Aq luas }! ssalppll a:J!lou S,laA\Ollog 01 palaA!{ap AllllnlOll ual{A\ 10 HllW SSllp ISlY Aq pa(fllW ual{A\ laMollog 01 uaA!il uaaq aAlll{ 01 pawaap aq Hlll{S lllaWnllsul AI!1nOas S!l(l 4.lfA\ uOfpauuoo ill laMo11og 01 aO!lou AUY ':3uflflA\ u; aq lsnw IUaWnIlSuI ,(Ipnoas sfl{1 l{1!A\ uOflOaUUO:l U! lapua'110 1aMo11og Aq llaA!il saoflou HV 'sa3!joN 'Sl 'ailllll{olaAo l{ons}o Ino gU~Sflll aAul{ lqil!w laMollog UO!lOll}O ll{il!1 ,(U'll JO laAfuA\ 'll alnmSUOO lHA\ laMo11og olluawAlld palfp ,(q ap'llw pUnjal lions AUll JO a:lUlllda:l:lll s,laMo11og '(alON al{l v S I.. 99~1J~f~n ~ - - - 0t3742Gb 755 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 acceleration 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") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law, There also might be one or more changes of the 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 which payments should be made and any other information RESPA 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 obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may cqmmence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20, 21. 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 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, Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property, Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property, The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products), Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regufatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law, Nothing herein shall create any obligation on Lender for an Environmental . Cleanup, WYOMING . Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 Laser Forms Inc. (800) 446-3555 LFI #FNMA3051 1/01 Page 11 of 13 Initials: \\\~ b6 ~ ~ .... - - - --171tP ~ ,~,.,"' ~on ~90&\fV4N:l# 1:11 999t-9v" (001l) -:JUt SWJo,l Jese-] ~O/~ ~90e WJO:l IN3Wnl:llSNIWl:lO~INn :Jew alPpaJd/aewaluued - ^I!we:l el6u!s - ElNIWOAM t~ JO l:~ aBed 'ilUfWOAM}O SMll{ uO!ldwax~ pllalsawol{ al{l }O afillfA Aq pUll l;;lpun Slllilp Ull saJ\!llM puu sasllalal laMo11og 'S.laA!8A\ 'tl "MU'1 alqlloHddy .lapun p;)ll!Ullad S! a;)} allljo ilUf~hllq:l ;;IlIl pUll pal:lpUal S;;JO!AlaS 10} ,(j1tld Pl!ql B 01 Pflld Sf ;;I;)} aql J! AluO lnq 'IUaWnI1SuI Alpnoas Sfl{l gU!Slla[~J 10J aaJ 11 laA\Ollog ail.llllP AllW .lapua'1 'SISOO UOHllp.looal AUll Alld Ulll{s laMollog 'luawUllsuI Al!lno;;lS sflll aSBa{al UllqS lapua'1 'IUaWnllSul ,(lpno~s S!1I1 Aq palnoas swns Ull JO luawAlld uodO 'as'llalall 'EZ 'l! Ol palmua AUdal suoS.l3d .10 uOS.lad aql 01 ssa3Xa AU'll (3) PU8 !luawn.llsuI Alpn3as S!ql Aq pa.ln3aS swns 118 01 (q) :saaJ ,SA3U.lOn'll alq'llUOSBU '01 paHwJllou lnq '~UlPnpu! 'a18S aql JO sasuadxa 118 01 ('ll) :.lap.lo ~UIA\OIlOJ aql U! pandd8 3q lI'llqs aI'lls aql JO spaa30.ld aq.L 'al8s AU'll 18 Al.lado.ld aqJ as'lll{3.1nd A'llW aau2I!sap SH .10 .lapua'} 'A\'ll'} alq83nddy Aq paqp3sa.ld .laUU8W aql U! PIOS aq 118l{S Al.lado.ld aql pUll 'aI8s .10 a3Hou al{l qsnqnd 118qs Japua'} 'Sl uon3aS U! papIAoJd .IaUU'llW aql U! .laM.O.l.log 01 al'llS aql JO a3Hou aA!2I 1I'lll{S .lapua'} 'A\'ll'} alq83nddy qHA\ a3U'llp.l033'll U! 'lua.laJJ!p Jt 'Al1ado.ld aliI JO uo!ssassod Ul uOS.lad aql 01 pUll .laA\011og 01 asopa.loJ OllualU! JO a3Hou aA!2I lI'llqs .lapua'} '31'llS JO .laM.od aql Sa}(OAU! .lapU3'1 11 'a3Uap!Aa anH JO S1S03 pUll saaJ ,SAaU.lOn8 alq8uostlaJ '01 p.JHwn IOU lnq '~u!pnpu! 'zz uOH3aS S!l{l U! pap!AoJd sa!pawa.l aql ~u!nS.lnd U! pa.l.ln3U! sasuadxa II'll pall03 01 p31mua aq lI'llIIS .lapua'} 'A\'ll'} alq'll3nddV Aq pamw.lad salpawa.l .laqlo AU'll PU8 al'lls JO .laM.od aliI 3}(OAU! A'llW pUll pU'llwap JaqlJIlJ lnol{HM. luawnJlsuI AHJn3as S!ql Aq pa.ln3aS swns II'll JO IInJ U! lUawA'lld al'll!paWW! 3.1!nba.l A8w UO!ldo SH 18 .lapua'] 'a3Hou al{l U! pagpads al'llp aql a.loJaq .10 uo pa.ln3 IOU S! nn'llJap aql 11 'al'lls PU8 uO!l'll.lala338 Ol .laM.oJJog JO asuaJap Jaqlo AU8 .10 lin'llJ3p 8 JO a3UalS!Xa-uou al{II.lasSB 01 UOIl3'll l.ln03 8 2Iupq 011l{~!.I aql pUll UOll8.1ala338 .IalJ'll al'llISU!a.l 01Iq3!.I aql JO .laM.O.l.log W.lOJU! .laql1nJ lI'llqs a3HOU 3l{.L 'Al.lado.ld aql JO al8s PU8 luaWnJlsuI An.ln3aS S!ql Aq pa.ln3aS swns al{l JO UOH8.1ala33'll U! nnSa.l A'llW a3Hou aql U! p3gpads alllp aql a.loJaq .10 UO lIn'llJap aql a.ln3 ol 3.1nU'llJ l'llql (p) pUll !pa.ln3 aq lsnw nn'llJap aql l{3!qM. Aq '.laM.O.l.log 01 uu!3 S! a3Hou al{l al8p 3ql WO.lJ SA'llp OE Utlql Ssa( IOU 'al8p 'll (3) :nn'llJap aliI a.ln3 01 pa.l!nba.l UO!p'll 3l{1 (q) !nn'llpp 3ql (8) :AJpads 118l{S a3!lOU 3q.L '(asJA\,raqlo sap!Ao.ld A\8'} alq'll3nddy ssaIun 81 UOll33S .lapun UO!I'llJaI333'll 01 .lo!.ld IOU lnq) lU3wn.llsuI AH.lnJas S!lll U! luaWaa.l2l8 .10 lU'llUaAOJ AUt! JO q3'lla.lq S,.13M.O.l.lOH . 3u!A\01l0J uO!lll.lap338 01 .lopd .laM.oJ.log 01 a3!lou ul21 1I'lll{s .lapua'} 'sa!pawal[ :uoH8.1a1333Y 'zz :SMOnOJ su aalilll pUlljUlluaAoo .lal{l1n] lapu::q pUlllaA\Ol1og .SlNYN3:AO:) WHOdlNIl-NON 8 S l.. <<)9~17t~f~n ..... - - - u~r7Cl:2GG 757 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: ~~~~b~~ ClayW, Seals ~ (Seal) -Borrower ~~~,~ Lori R, Seals (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower [Space Below ThiS Line For Acknowledgment] STATE OF WYOMING, Teton County ss: The foregoing instrument was acknowledged before me this June 29, 2001 (date) by Clay W. 9vGlto, Lori R. Seals, Ilu~bglld GIrd 'I::r~ :Z=nd.U.J~ "as a..+t&-~ e.,lCu1 w. ~ . .-) lJ\ .A..et .fJcsJ;- (person acknowledging) WITNESS my hand and official seal. My commission expires: q- I;}..-- 05 Ol~~ - Notary PubliC WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 Laser Forms Inc. (BOO) 446-3555 LFI#FNMA3051 1/01 Page 13 of 13 ......1