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Home My WebLink About874309 ~ RE.L..EASE O~ ~O ,_, " . ~ ._:~, .' -,-~ T,'b" ~/Mo-rt gage . IS , ., I! Al'.re IlA.nv~i;,/';1_lf .~IT laI'I-"o'! ~u lMFu....~, ,~, t)IJL ,.r'" ..., ,/' ,/ - ,-"~ ,'~//,' ./'''"- ,'-/p ~ ';""u,otJ RECEIVED LINCOLN COUNTY CLERK 874309 o I JUt ~. 3 FJI 3: 28 IC' ^ I',.I~' 1::- 'I'i /. :"'f\1 EI") U l,.. n ~ I \! 1_ !} ,'-\ I,,).; , \ I<EMME[~En. WYOMING After Recording Return To: GMAC Mortgage Corp. 100 Witmer Road Harsham, PA 19044-0963 ATTN: Capital Markets BOOK 467 PH. PAGE 9 0 5 [Space Above This Line For Recording Data] Loan No. 515498202 MIN 1000375-0515498202-2 MORTGAGE DEFINITIONS Words used in multiple sections of this document are defmed 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 July 2 I 2001 , together with all Riders to this document. (B) "Borrower" is Judy M. Riede and Peter M. Riede, wife and husband Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc, MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS, WYOMING - Single Family.. Fannie M.e/F'eddie1L- M( ) UNIFORM INSTRUMENT FnnIl 3051 1101 ( (Poge 1 of 18) 116175314 Initials: ./' 325 GMACM - CMS,0042.WY (0001) ,9.J.-t.k--, ~. ,- '. - ~j.i.....~ . "!...:f~ '.:1. .:,;, ",... ., ~': , . . /'f";,~:;, . -';.." ,'.;-/-..' :,t:~'I': ',.0,." ~~~~<':. , "',';'.': ' ",'?:j>:.:'" . ;'!{:, .' ,,,,~", . :<~:~+::. . <''-":'::;l.'!',:iM:,;. ," ~~J;~~' '~"!r -/':'" -,. ! ~~~) ,.l:~\'{~;:' , ..\;..!^~: ..$ <~/,,:: ."";.;."" ';~'?J}' . 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(bas la I09Z~ "::>'S'n ZI) toy salnpa:>Old luaUlamas alulSH rea-a atp SUllaw "VdS:nI" (d) "lUaUlrulsuI Al!.In:>::lS S!t[lJO f uop~S lapun SlunoWll AUll (!!) snld 'aWN ::ltp lapun lS::ll::llU"[ put! redpupd <!) 10) anp lunoWll palnpaq:>s Allllrnl3al ::ltp SUll::lW "lu<nUAed J!POP<ldll (0) "UllOl at[l 'uo lrOujap 10 'JO lU::lWAllduou ::ltp lSU!Rjju lapu;)'} jjlI!P::llOld a:>Ut!lnSU! sUt!aUl ll<lJU1unSUI <l:leSl.IOW" (N) /,06 r:;oet7L.RO - - - (' II.JI'"'1I ,~ · 0\(' Jl,] II' 1_'k~""'I.Jr~ 908 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, UNIFORM COVENANTS, Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest; Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U,S, currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer, Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower frpm 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 Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments 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. L!L" LOAN NO: 515498202 WYOMING - Single Family - Fannie Mae/F~I. Mac UNIFORM INSTRUMENT Form 3051 1/01 ,';7 GMACM - CMS,0042,WY (0001) (Page 4 of 18) , Initials: ~~ '~f~~~ . .~~~1;:. - '.i"'.. ""',': "".::''':::i , . ',',; . I, '~I;,:'-, ': "';:'.;~~':~:~'T'r: . ",/:.",.,',';':, ":' ': . ".~:~'i .:'..: . .{~;: ~:":'\:";~~;~'~~~~:';' .". ~,::'':/i:::: .. 'J.-:"'"":,, .... . ;,:."' :;:.'.,,~.:.," .::'~'/:.;j~e:::" :: , "":/.:,~~~:;;!;~:.; . '::'\'~'::':'~~,>~:F~.: ' .'/'- , " ;/'~::).'~:'.~~';f:~:' . . : <,-:>:,. ..-. , . '. .~{.I/~,:: :' :. . ., "-'..:.,'.::,,' , '.. ,~.." . ::'. "'":/\:<~~,I:~~~.. .'::::1..... .' ' ,;" ':'~(,.,..-.: .. :.; .~~:;~;\::;,~:!.i\~.> ~1 . :SftmfllI (8110 f ;Javel) (1000) ..\M.'zroo'SW;J - W;)VJ\!t) . b lOll ISo( \lU01l -LN3VimnSNlI'ilIQ,fINfI '"'Vi O!PPOJ&""Vi O!uue,f - Al!lUI!,f OI~U'S - t)NIJ\IO..\M. ~~ ~O~B6vS!S :ON NVO~ , Ml1i ;){ql1:lnddy lpTh\ ;):lWlPIO:l:ll1 UJ ;}STh\l;}qlO 10 SW;}lI MOJ:lS3: ;}lnltlJ JO S;}JmTpu;}dx;} JO S;}llmr!lS;} ;}Iql1UOSl1;)l pWl l1ll1p lU;}Jlll:l JO spreq ;}lp uo ;}np spun.>! 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UIIJ uT PT-ed aq tre:> luawAlId q3l1a 'l-eql lU:Jlxa alp Ol ptre ']T SluawAlId 3!POP;}d alp JO lUaWAl1d;}l ;}ttl Ol 1:Jh\0110g WOIJ paA!a:>:Jl lUalUAl1d Atre AIdd-e Amu lapu;}"] '~u!ptrelSlno sT luawAlId :>TpOP:Jd auo trelp alOW 11 .:J~.reqo all1I alp ptre lUamAlId luanbUJpp :Jlp Ol paHddl1 :Jq Amu lUaWAl1d aql ':Jnp a~.req3 all11 Atre A-ed Ol lunOWll luapYJns 11 sapn{:>uT tPTttM luaWA-ed :>!popad luanbUJlap -e 10J I:JM0110g lUOIJ lU;}WA-ed II saATa~l lapu:Jl 11 606 f;O~'-~ JJ Cl -- t" fl.! I:.~ t~ ,0 - - - OS~?4~~jO~ - 9 '10 The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank, Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds, Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds, Lender 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 RESP A, Lender shall account to Borrower for the excess funds in accordance with RESP A, If there is a shortage of Funds held in escrow, as dermed under RESPA, 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 RESP A, 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 RESPA, 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 id,entifying 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. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. S. 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 insurance shall be maintained in the amounts WYOMING -..,.,~,,-'~M__~~'~~'~~ -- .m. / l; GMACM - CMS,0042.WY (0001) (Page 6 of 18) Initials: ~ ~W/L. :,.',:" ';,1 -~ ,~~~-.' -/:.'-.. . . :;:~~j/ "';..'/'"1. - '- .. ,. ~,,'.. :' .. ..-.1. .. .~,' j-..;:. . ,.. ,'.' .:". /,-~.-' .r':i.~~;~:~;f..' . . L;", 'I',"."~ " . 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IIV 'luaWABd glf!lsanballaM.011og ollapu;}'] WOJj aopou uodn 'lSalalU! qons qHA\ 'alql/Al/d aq IIllqs pUB lUaWaSJnqs!p JO all/p alp WOIJ all/l aloN :Jlp ll/ lSa1alU! .maq IIllqs slunoum asa1U "luawrulSOJ Alpn:l:JS S!lp Aq paln:las 1aA\01l0g JO lqap {BUo!l!Ppl/ aUIooaq IIllqs ~ UOpO<lS S!lp lapun lapua"] Aq pas1nqs!p slunoum AUV 'paUllllqo aAl/q Plnm laA\01l08 lllql a:lUB1nslf! jO lSO:l :Jlp paaoxa AI1Ull:ly!ug!S lqlj!llI p:JUllllqo os agllJaAOO a:lUBJnSU! aql JO lSO:l aql llllp sagpaIM.OIDJ::lll laA\Ollog "l~JJa U! AISnO!Aald SllA\ UlIlp agl/JaAO:l 1assaI 10 1:J1B:llg ap!AOld lqgpn pUB Almql/!I 10 p.mZllq '){SP AUlI lSU!ll~ll 'Auadold alp JO slUalUO:l alp JO 'Alladold alp lr! hHnba S,laM.OlJog 'JaA\Ollog lOalOld 10U lq~!llI JO lqgpn lnq 'lapua'] JaAOO Ill/liS aglllaAoo qons 'aJOJaJa1U "aglllaAoo JO lunoure 10 adhl .mlnop.md hUll aSllqoJnd 01 UOPllg!yqO ou lapun S! l<lpU;}'] "<lsuadxa S,J<lM.0110g pUB uopdo s,lapua']111 'agl/JaAOO aOUlUnSU! If!lllqo AllW Japual 'aAoqll paqposap saglllaAO:l alp 10 AUll lr!llllr!llW 01 snwJ laA\Ollog 11 "laA\011og Aq UOp:l:Jfqo UB UIOIJ gunrns:ll UOpl/U!Ullal:Jp auoz pooIJ AUll JO A\a!Aal ::llp lp!A\ uopoauuo:l U! A:lU::lgy luawa~llUBW A;ma~lawg: IllJapad alp Aq paSOdUI! saaJ AUB JO lUaWAl/d alp lOJ alq!suodsa1 aq oSll/ [ll/lIs laA\01108 'Uoplloy!llao JO uOpBu!Ull:Jlap q:ms panlll~!llI A[ql/UOSllal qO!qA\ Inooo sagUllqo ll/I!llI!S 10 s~u!ddllWaJ awn t[:lBa sag.mq:> luanbasqns pUB sao!A.1as UO!lB:ly!lla:> pUll uOpllu!UUalap auoz poolJ 10J a~.mq:l awn-auo l/ (q) 10 ~sao!A.1as ~upr:lllll pUB UO!llloy!llao 'UO!lllu!UUalap auoz pooIJ 10J a~.mqo amp-auo l/ (l/) :la1pp 'llllO'] S!lplp!A\ uopoauuo:l U! 'Al/d OllaA\011og al!nbal Al/UI l:lpU;}'] , hlqlluOSl/aJun paspJaX:l aq 10U IIllqs lqgp qO!l[A\ '<lO!oqo s ,1aA\01l0g aAoJddBS!P 01 11[g!J s,Japual 01 pafqns laA\011og Aq uasoqo aq Illlqs aOUBJnslf! alp' gU!P!AOld la!l.IBO aOUBlnslf! a1U 'UBol aql JO UU:ll aql gupnp agllllqo UlI:l S:lOualUas gU!pa:l:Jld alp 01 lUBnsmd sal!nbal 1apual 11l1[A\, 's:JJ!nb:Jl lapual lllql spopad alp 10J pUll (S[:JA:lI alqponpap gu!pnplf!) TIC f;nr:t1!,",~~O - "tH'lh G~~,~r7 t~'..J.t..f J - - 912 or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower, If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may f1le, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim, The 30-day period will begin when the notice is given, In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiwns paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish; and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to 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 andrestoration 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 WYOMING - Single Family - Fannie Mae/Freddie M"" UNIFORM INSTRUMENT Fonn 305l 1/01 ~~ GMACM - CMS,0042.WY (0001) (Page 8 of 18) Initials: ~ ,/)/1.4/.<;r , .7~P(/ <-..-. ....i,,'.' ~;~??ti I "". ":/1. .-.-. 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P'lU!1I1UO:) sluaUlaaliill pU1l SlUlluaAO:) o:Jlp uuoJlad 01 sYreJ laA\OlJog (II) 11 .1uaum.llsUJ ,(n.mJas S!l(l .IapUn Sl1(8m: pUll Al.Iado.ld atp uJ 1SOJ.Ia1UI s,.Iapua'I JO uO!l;);):}.o.ld '6 . aJU;;lp!S<:Il [1IdpU!ld S,J;}A\OllOg S1l AuadoJd alp JO AJU1ldUJ:)o S,l::>A\OllOg iiu!w::>:)uOJ Suop1l1UaS;}ld;}1 '01 pal!UIH 10U am lnq 'apnIJU! SuopE1UaSaJlfuJ lE!lalBW 'U1:l0'1 alp ql!A\ uo!pauuoJ E1C f)or=\lL.f~f) - - - ".~j ~ ~~ ~\t~) l~ ~~~ tJ -i!' 914 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 pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such tennination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance, Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on tenus and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. WYOMING -'."_ - ,,.;, ........... "M'~ ~.~~ __ "" / ) GMACM - CMS,0042.WY (0001) (Page 10 of 18) Initials: 7f;,r /// (",A'~' ----;:. I" _rOo .:~J2: ~ :,:~,,' . ,''"~; 01.:':. .~~?? ~r~', , :' 1(?1;. - ,.,,- ":"::':\}<.;:. . . . . r I :,' ~:":"' . ../! .,,';-:'.', ';'r . , ~'''.''-' ...: , . . ',' ,!.,\,.t.Y/I:~" .. .' '. :',' ."\:c'~:'~, . "i'.'i:': (,' \i,:.<:~'.;..~; j't: :.: " :.... ",1".,'\3" '.',.,.',.;:.;J:',:.','" .. , .' r: ; . i.:' ~~ ;. :,' ..,,~. '. ~ :, .'. . ,;,), . .. .,' ..1". ,:,',~ ':-,. l',' . -: : :\' :'('. .~. " .~: .' ;";'/",'(\:,/,;:.; ,- ......,.,j:.., .(.'..:.; .' . ., .:~..":.'. ".,-, , .;.:~.:..fi:,~;ff'.'." '-"1:";:. '.'::;.j~.';:,. . .'.' ~: ;..:, ~-'~~:. :.' " ~. ,.. ;..,... .:.'....:.,;::::';:,..;".-'.. ,-plt~) -w-' 'S"(BllJUI (8l10 [[ JaVa) (1000) AM"ltOO'SJ\I;J - J\I;JVJ\I~ t1 lOll lSOE QUO.! 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Auadold alp 11 ST6 c () f) () r: t7 1... c'i " - ot~r;JltaO~ - 915 - 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, WYOMING - '00" ,~" -,- M_""" M. "'"'o~ ~"UM~' -~ W. A GMACM - CMS,0042,WY (0001) (Page 12 of 18) Initials:. 0; ";4-- "A ,'/1 '1,.......... 'h'4/~ 1.....'"'---.-....... " V< "'v !.-t.. !:~j:!. . ./~.: ~.;,~ j' ,//':J' . I . ':.~i. -.;. i."., ~ ~;o ::~i",. o ..:o~.i/~ /" r 6 - ; iii' , ';,,':<:.,;:.:::.Y/).,.:.,. '.,;:o,;\.;:;~.>;.:(-:. 0 ,.'::.L',:i>. _...::.;'.', 0.. --:'.,'."/'~:r ..,.c,;;.;~;.~:,'.,..', .0 ;J.;.'f':',\.'t .0,. .,. ,- : 0 ::..;;,:::,~r,; ",., . ..~~~~:-;..:.. .. :':~::.-~;~:.~o:r,... 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A1pOtpOR sS:lJdxJ JO JJU:JSqB ;;ltp 'S~J J:llpo Am: 01 pm'3al UJ 'S:X>J UO!lROIEA pml uO!l:>adsu! AU:ld01d 'SJ:JJ ,SA;;lWOUlI '01 P:Jl!WH 10U lIlq '~U!pn1:>ll! 'lU;;lwtU1SUI Al!lIl:l<JS S!lP 1apun Slq'3!l pue Au<ld01d ;;lql U! lSa1J1U! S,l;;lPU;},} gll!l:>alOld JO Jsodmd Jlp 10J 'l108J;;lP S,J:lA\OlJog lp!A\ UO!lJ;;lUUOJ U! paUlIOJ1:Jd sa:>!Al;;lS 10J S;;l;;lJ l;;lA\Ol1og :Jilreq:> hmn l;'lPU;}'} 'S<'J:j.mq:) U80'] '171 r()rll"" Pf) '() , f ~ lV~... ," '- - - - OS?4:JO~~ 918 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 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, 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those 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 title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pennitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the tennination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums 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, r~asonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank: check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. WYOMING - Single Family - Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 3051 1/01 GMACM - CMS.0042.WY (0001) (Page 14 of 18) Initials: I.'.." 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J-eI)ll1d -e JO ;llON aIlL 'ilJUUAilJl~ JO ilJnON !J<lJIA.lilS ueo'! JO <lXUUl[;) :aloN JO <lf8S 'OZ '81 UO!paS lapun uO!l-eJ;)I;):>Jll JO aSBO atp U1 AlddB 10U IJlIl[s allllSu!al OllI[i1p sllp 'l;lA;lA\OH 'palln:>:>o plll[ UO!181ap:>:>1l OU JI Sll ;)A!P;)JP AIIry: tqBwal IJ-el[s Aq;)J;)lJ paln:Jas SUO!llli1nqo pUll luaWIlllSur Alpn:>as sllp 'l;lA\OllOg Aq luaw;lllllsuPl uodO GIS rn.r.~'t_:.F;{) ~~\ ,t,. ~ , r . .. - -.-.:" -:,.:,.' - - - 320 G' s:.Wj'~' ~ ~ ) '3l ...:'J << i'f:',.1l ~ 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 consmner products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party,' that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup, NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. , If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. WYOMING "" Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 11O/k-' GMACM - CMS,0042.WY (0001) (Page 16 of 18) Initials:' ," ~/."'."" 4....?'c......... '"'"., )~~;~i ; ..;~:;- ~.:;;.~' .:.'f",! :i.Jo.'"O, .;.~ti'~' I ~~~~c ".0/. - (8 [ fo Ll ,,3oel) (1000) AM.olffiO'SW3 - W3VW{) 1011 ISO( lIl.IuiI .LN1UllnlI.LSNll\IllOd1Nn ""w "'Pp>J;lJOBW "!tMl:l- AI!lIII':l "(3II!S - {)NIWOAM. :s:Jss:mHA\ ~O~B6vSLS :ON ~07 l;JMOllOij- (/O"S) l;JMOllOij- (/O<lS) l;JMOllOg- (JO"S) l;JMOllOij- (10<lS) 'l! q1!1\\ p:JplO:l:Jl pm J:J1\\Ol1Og Aq p:J1n:l:JX:J J:Jpnl AUll lTf pUll lU:JWnJ1SUJ Al!lll:>aS S!lP U! p;llTfll1UO:l SllreU:JAO:l pm SWl:J1 :Jq1 01 s:J:JIHR pm sld:J:l:lR Ja1\\Ol1OS: 'A\O'l3:S: DNINDIS AS: oHU1WOAA\ JO S1\\lll uopdwaxa pll:JlS:Jwoq :Jq1 JO :JnU!A Aq pUll l:Jpun slqHp Ire S;')A!ll1\\ pUll s:JSR;')I;')J J;')l\\Ol1OO: .S.IaA!8M. "t'Z "1\\tr'] ;'){qe:>nddy J;')pun p;')n!tW;')d S! ~J ;')Ip JO Hll!H.mq;) aIp pUll p;lJ;')pu;,)J s;');)!Al:Js lOJ Aued pJ!q1 R Ol p!lld S! a;')J ;')ql J! A{110 lnq 'lUaWnl1suJ Al!Jfi;);')S S!Ip 2lTfSRaI;,)JJoJ :J;')J llJ;')h\OllOg ;')2.req:l AllW Japu;')'] .SlSO:l UO!lllpJO:l;')J Am Alld lreqs Jah\Ollog 'lU;')WOllSUJ A1pn:>as S!Ip ;')sll;')l;')J lreqs J;,)pu;,),] 'lU;')Wnl1SUJ Al!Jn;);')S S!Ip Aq paJn:>as swns Ire JO lU;')WAlld uodn ":JSBalilll .t:t 126 -i-o , ;:--) () GOr fl,/f."t':,... - - - 92 '2 O~~7jl~.iO~) INDIVIDUAL ACKNOWLEDGMENT STATE OF WYOMING, ) ) SS COUNTY OF LINCOLN ) The foregoing instrument was acknowledged before me this July 6, 2001 3 (date) by Judy M. Riede and Peter M. Riede, wife and husband SHellEY SN(I1U, . NOTARY PUSUC 'f::." CI :::. (person acknowledging) ( ~ My Commission Expires: February 2, WYOl\fiNG - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FIII'IIl30S1 1/01 L? GMACM. CMS.0042.WY (0001) (Page 18 of 18) Initials:" -r)" " Y-fi}{:'---- - - . ' ",y""1 " "' iU- ~,ll ,J'--__:; ~ I..t::>." J Schedule A Wyoming Mortgage G~ven By: Judy M. Riede and Peter M. 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VlI :i'IHV .LS[lfUV /U:iXI.i 17G6 Gnr:t1I,;~<BO - - - () 8 ~.i' {l-:j 0 ~ 9;~ t) (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding Two and 75/100 percentage points ( 2.750 %) to the Current Index, The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0,125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date, The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 8.625 % or less than 4.625 %, Thereafter, my adjustable interest fate will never be increased or decreased on any single Change Date by more than two percentage points from the rate of interest I have been paying for the preceding 12 months, My interest rate will never be greater than 11.625 %. (E) Effective Date of Changes My new interest rate will become effective on each Change Date, I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my initial fixed interest rate to an adjustable interest rate and of any changes in my adjustable interest rate before the effective date of any change. The notice will include the amount of my monthly payment, any infonnation required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice, B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER 1. Until Borrower's initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above, Uniform Covenant 18 of the Security Instrument shall read as follows: Transfer of the Property or a BenefiCial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those 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 title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may LOAN NO: 515498202 MULTISTATE FIXED/ADJUSTABLE RATE RIDER ONE YEAR TREASURY INDEX - Single Family - Fannia Mae Unlfonn Instrument GMACM-CRM,0184FIX/ADJ 109001 Page 2 of 4 Initials: - - - _----------~ :;lol~lul L01L Z8tpO:J t> JO E eElud (0060) rOV/XI:Jt>8LO'IIIIl:t:)-IIII:::l'l,1III9 lU9WlUlSUI w,oJ!Un "0l1li ,,!uuo:J - ^llwo:J aIElU!S - X30NI Al:tnSV3l:t.L l:tV3A 3NO l:t301l:t 3.LVl:t 31BV.LSnrOV/03XI:J 3.LV.LSI.Llnllll ~O~B6vS~S :ON NVO~ '2U!l!1A\ Ul laMollog sas~alallapU:r] ssayun luawtUlSuI hlpn:Jas Slql ptm aWN alp lJpUn pal~iinqo aq Ol anunuo:J lHM lJMOllOg 'lUJWn.IlSUI hll.In::laS sllp lI! pue aWN aIp lI! 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A\ll'l Jlqll:lnddy hq pal!q!qoJd S! asplaxa qons J! lapu:r] hq paSpl;)Xa aq 10U lfeqs uondo S!t[l 'l;}AaA\OH "lUaWn.IlSuI Alpn::laS S!t[l Aq IXllno:)s swns Ire 10 nI1J U! lUJWAlld alll!pJunll! al!nbal 926 , 1 (--0 GOr:t e4d.. - - - OS";1f.l-:J09 9 2"1 If Lender exercises the option to require immediate payment in full, Lender shall give Borrower notice of acceleration, The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument, If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pennitted by this Security Instrument without further notice or demand on Borrower. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Fixed/Adjustable Rate Rider. ' '''''''7 ' '? ...;J;J J;'::?, ~ " ;,::1'/ -::tc' /- /"(..-'/E<:f'>Lt JU~ M. RJi de ' ~7 ,._,,_ --",,- /.I /,1 /":1" :' /' ,." 4---) , M. Riede (StUll) -Borrower J;}~ (Seal) -Borrower Pet (Seal) -Borrower (Seal) -Borrower LOAN NO: 515498202 MULTISTATE FIXED/ADJUSTABLE RATE RIDER ONE YEAR TREASURY INDEX - Single Family - Fannie Mae Uniform Instrument GMACM-CRM.0184FIX/ADJ (0900) Page 4 of 4 Form 3182 1/01