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HomeMy WebLinkAbout934710 Return To: FHHL - POST CLOSING MAILROOM 1555 W WALNUT HILL LN #200 MC 6712 IRVING, TX 75038 RECEIVED 11/7/2007 at 4:44 PM RECEIVING # 934710 BOOK: 678 PAGE: 131 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY VED 10/29/2007 at 4:39 PM REC G # 934427 BOOK: 677 GE: 112 JEANNE WA LINCOLN COUNTY CLERK, KEM RER, WY I Prepared By: i FIRST HORIZ$N HOME LOANS, A DIVISION ~P PIRST TENNESSEE BANK N.A. 1315 SOUTH ~IGHWAY 89, SUITE 101 JACKSON, WYI83001 I I I I I I I I I I I I I I I I I , 0001.31. '900~1.2 '-,------- [Space Above Th~ Line For Recording Data) MORTGAGE MIN 100085200618369047 0061836904 a 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 October 22nd, 2007 together with all Riders to this document. (B) "Borrower" is REVIS MCELHENEY, An Unmarried Man rw1¡ Borrower is the mortgagor WIder 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 WIder 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 Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3051 1/01 . -6A(WY) (0005).02 <8> Page 1 of 15 Initials: ;/ fA /11 11111111 111111111 111111 1111 1111 1111 VMP Mortgage Solutions, Inc. *RE-RECORDED TO REFLECT MANUFACTURE HOME RIDER AND MANUFACTURED HOME AFFIDAVIT OF AFFIXATION (D) "Lender" is PIRST HORIZON HOME LOANS, A DIVISION OP PIRST TENNESSEE BANK N.A. Lender is a NATIONAL BANK organized and existing under the laws of THE UNITED STATES OP AMERICA Lender's address is 4000 HORIZON WAY, IRVING, TEXAS 75063 000:132 000113 (E) "Note" means the promissory note signed by Borrower and dated October 22nd, 2007 The Note states that Borrower owes Lender ONE HUNDRED SIXTY TWO THOUSAND & 00/100 Dollars (U.S. $ 162,000.00 ) plus interest. Borrower has promised to pay this debt in reglÙar Periodic Payments and to pay the debt in full not later than NOVEMBER 1, 2037 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrwnent, plus interest. (H) "Riders" means all Riders to this Security Instrwnent that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Balloon Rider D VA Rider D Condominium Rider D PlaIUled Umt Development Rider D Biweekly Payment Rider D Second Home Rider D 1-4 Family Rider D Other(s) [specify] (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rilles and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrwnent, which is imtiated through an electromc terminal, telephomc instrwnent, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (ill) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or defalÙt on, the Loan. (0) "Periodic Payment" means the regularly schedlÙed amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrwnent. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing reglÙation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or reglÙation that governs the same subject matter. As used in this Security Instrwnent, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESP A. 0061836904 . -6A(WY) (0006).02 @ Page 2 of 15 Inlllals: -f14- Form 3051 1/01 0001.33 (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. _ TRANSFER O~ RIGHTS IN THE PROPERTY 00011. 4 This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ü) 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 MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the County of Lincoln [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] All that tract or parcel of land as shown on Schedule "A" attached hereto which is incorporated herein and made a part hereof. Parcel ill Number: County: 65 FOOTHILLS ROAD ALPINE ("Property Address"): 12 - 3718 -20 -2 - 02 - 015,00 City: which currently has the address of [Street) [City) ,Wyoming 83128 [Zip Code) TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property. " Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. 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 . 0061836904 . -6A(WY) (0006).02 <B> Page 3 of 16 ,n,tla,s:k Form 3051 1/01 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 \U1der the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due \U1der the Note and this Security Instrwnent shall be made in U.S. currency. However, if any check or other instrwnent received by Lender as payment \U1der the Note or this Security Instrwnent is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrwnent be made in one or more of the following fonDS, 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, instrwnentality, or entity; or (d) Electronic F\U1ds 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 here\U1der 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 \U1til Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due \U1der the Note and this Security Instrwnent or perfonning the covenants and agreements secured by this Security Instrwnent. 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 \U1der the Note; (b) principal due \U1der the Note; (c) amo\U1ts due \U1der Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amo\U1ts shall be applied first to late charges, second to any other amounts due \U1der this Security Instrwnent, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Vol\U1tary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due \U1der the Note shall not extend or postpone the due date, or change the amo\U1t, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due \U1der the Note, \U1ill the Note is paid in full, a sum (the "F\U1ds") to provide for payment of amo\U1ts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrwnent as a lien or encumbrance on the Property ; (b) leasehold payments or gro\U1d rents on the Property, if any; (c) premiums for any and all insurance required by Lender \U1der Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amo\U1ts to be paid \U1der this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the F\U1ds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amo\U1ts due for any Escrow Items for which payment of 0001.3"4 0001.15 Initials: Form 3051 1/01 . -6A(WY) (0005).02 @ Page 4 of 15 0001.35 000116 Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts 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 Section3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to pennit 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 of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or veritying the Escrow Items, UIÙess Lender pays Borrower interest on the Funds and Applicable Law pennits 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 RESPA. 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 notity 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 notity Borrower as required by RESPA, 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, ifany. 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 UIÙess 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 perfonning 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 identitying the lien. Within 10 Initials: Form 3051 1/01 . -6A(WY) (0005).02 (!) Page 5 of 15 0001.36 OOOi1.7 days of the date on which that notice is given, Borrower shall satisfy the lien or tBke one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance 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 detennination, certification and tracking services; or (b) a one-time charge for flood zone detennination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such detennination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 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. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiwns and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the Wlderlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds Wltil Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be Wldertaken promptly. 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. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to /Î Inltlal.:~ Form 3051 1/01 . -6A(WY) (0006).02 <I> Paga 6 of 16 000137 0001~8 the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related 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 amoWlts unpaid Wlder the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of Wleamed premiums paid by Borrower) Wlder 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 amoWlts unpaid Wlder 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 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 an,d/or rights Wlder 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 Wlder this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable . -6A(WY) (0005).02 (8) Page 7 of 15 DItA- Inlllals: -f-1- Form 3051 1/01 OOOj.38 000119 attorneys' fees to protect its interest in the Property and/or rights \Ulder 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 \Ulder this Section 9, Lender does not' have to do so and is not \Ulder any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized \Ulder this Section 9. Any amounts disbursed by Lender \Ulder this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amo\Ults 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 Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to 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 amO\Ult 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 amO\Ult 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, \Ultil Lender's requirement for Mortgage Insurance ends in accordance with àny written agreement between Borrower and Lender providing for such tennination or until tennination 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 terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amo\Ults that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Jnsurance, 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. . -6A(WY) (0005).02 (I) Page 8 0115 InltlalS:U Form 3051 1/01 0001.20 (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. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Boqower 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. 000139 Initials: f¡M Form 3051 1/01 . -6A(WY) (0006).02 (!) Page 9 of 16 000140 0001.21- 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 amoWIts less than the amoWIt 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 WIder the terms of this Security Instrument; (b) is not personally obligated to pay the swns 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 asswnes Borrower's obligations WIder this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits WIder this Security Instrument. Borrower shall not be released from Borrower's obligations and liability WIder 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 maximwn 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 amoWIt 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 WIder 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 WIder the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender WItil actually received by Lender. If any notice required by this Security Instrument is also required WIder Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement WIder this Security Instrument. . -6A(WY) (0006).02 ~ Page 10 of 16 101IlaI0:£& Form 3051 1/01 0001.41. 0001.22' 16. Governing Law; Severability; Rules of Construction. Tbis Security Instrument shall be governed by federal law and the law of the jurisdiction in wbich the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a probibition 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 wbich 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 wbich 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 probibited 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 wbich Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After 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 termination 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, reasonable 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 fonDS, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or casbier'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 wbich will state the name and address of the new Loan Servicer, the address to wbich payments should be made and any other information RESP A requires in connection with a . -6A(WY) (0006).02 @ Inltlal.:~ Page 11 of 15 Form 3051 1/01 0001.42 0001.23 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 commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security 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 tlke corrective action. If Applicable Law provides a time period which must elapse before certain action can be tlken, 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 tlke 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 govenunental 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 govenunental 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 tlke all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. . -6A(WY) (0006).02 (!) Page 120116 Inltlal.:~ Form 3051 1/01 oiL 000143 0001.2·4 NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies, Lender shaJl 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. H 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. H Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed'by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instnunent, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services' rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. Inltlals:ß Form 3051 1/01 . -6A(WY) (0005).02 @ Page 13 of 15 0001. 4·4 0001.25 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: (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 0061836904 .-6A(WY) (0006).02 @ (Seal) -Borrower (Seal) -Borrower (Seal) ·Borrower (Seal) -Borrower (Seal) -Borrower Page 14 of 15 Form 3051 1/01 STATE OF WYOMING, LINCOLN 000145 000126 County ss: The foregoing instrument was acknowledged before me this Oé1c6:i12... 23. '2ðC>7 I by REVIS MCELHENEY , LISA SPAULDING NOTARY .' - PUBLIC ) COUNTY OF (I) .~ LINCOLN . STATE OF , WYOMING ............"""...., MY COMM. EX? 7/1/2011 My Commission Expires: ~ ~ ~,\~ ~~\\ ~~, ~~.~~)(\ ~ Notary Public ~ 0061836904 . -6A(WY) (0005).02 @ Initials: Page 16 of 16 Form 3051 1/01 ORDER NUMBER: NTL-1514 EXHIBIT "A"000146 000127 LOT 19 OF ALPINE IWSORT COMPANY SUBDIVISION, LINCOLN COUNTY, WYOMING AS DBSOtIBED ON TIiE OFFICIAL PLATTHERBOP RECORDED JULY 3. .963 AT DOCUMENT,NUMBER 37809~ AND MAP NUMBER 10' IN THE OFFICE OF THE CLERK, LINCOLN COUNTY. WYOMING. AL fA CommltnlCllt (6/17/06) UI."J -Lí~-Li~1I11 Iln. LJ I r J,I'.:s", nUl l,"VII .. .. - . -- . FIRST &~ HORIZON. HOMI¡ loANS Rtcotd and Rerum ø by Mail 0 b)· Pickup to: FHHlC Post Closing Mail RQom 1555 West Walnut Hill Lane, #200MC Ir\'ins:. Texas 75038 000147 M."NUFACTURED HOME RIDER TO SECURITY INSTRUMENT This Rider is made this . and is incotpor:lted ¡mo and amends and supplementlllhe Mong~gc:. Opltn-End MDnl&a¥~, D$ed of Trust. or Credit Linll: Deed ofTrl1st. Sccuri[)' Deed ('"Securi,y InStrument") ofthc stunt: date given, by the undersigned ("Borrower") to secure Borrower'! Note to first HOr¡~on Home La:"1 Cornoraüon (-Lendi!r") I,)f[h~ S4mt daw ("Note") 4nd covering the Property desçrlbed in the Seçurity Instrument and located ilt , ." ,,(, . A.1i '"J ,1 t ,{ / ( " ,,"3 }' ·,t, ' ';..- '7 ... I.. /. '- 0,_ ¿'..t L) Borrowcr nnd L.ender agree that the Security [nstrulnli'nt i'iltTlended ¡sod supplemented to read il5 follo,," s: 1, Meantnl oC Some Word,. As used in this Rider. the term "Loan Documenrsu means the Note. th~ Security Instrument and any Construction LOAn A,g¡eel11ent. and the term ··Propert)'·'. as ma~ tenn is defined in the Secl:rity Instrul11ent. includes th~ -Manufactured Home" described in paragrllph 3 ot"thì:¡ Rider. AIII~rms dètincd in tl1e Note or Ibe Security Insh'Ument shall have th~ same meanina in this Rid"r, ::. Purpose and Err,,-ct of Rider. [f THERe [S A CON Fl.ICT BETWEEN THS PROVISIONS IN TH[S RIDER AND THOSE IN THE SECURITY INSTRUMENT, THE PROVISIONS IN THIS RIDER SHALL CONTROL. THE CONFLiCTING PROVISIONS IN THE SECURITY INSTRUMENT WILL BE ËLIMINATED OR MODlFIED AS MUCH AS IS NECESSARY TO MAKE ALL OF THE CONFl.lCTrNO TERMS AOREE WITH THIS RIDER. 3. Lender's Securiry (ntere$t. A \I of Borrower' Ii obligarion$ sccured by the Security InSlrUmtnt also shall be seul(red by the Manufactured Home: Lbud ~ð2 C1:J.kLLwD M~~ ~Rd3N~(O~Fi ð/-{¡;;ft;/F "..:\\,l'~~d 'I\!ilr MW\ulW:lurl1r"~Nwu\) Mu\11:1 l\Iunw ur Mtll!¡:1 NlI. S\,'tiaINu. L.:nSlh',~Widlh ~5: 7 .x õ?7.1 4. Am",ulaR. tl1) to aftìx the Manufilctured Hmnc to II, permQl1~11t foultdatiOI1 011 the Properr)': (b) \0 cøl~ply with all Applicable La\.\- l'C¡p1rding the am"Ðlion of the Manuflctured Home to the Propert)'~ . PAItr: I or 3 000148 (c) upon Lender's reques~ to surrender rlìe certificate of title to the Manufactured Home, if surrender ili permined by Applicable Law, and to obtain the rJquisito governmental ¡¡pprovallnd dcçumemation necessary to çla5:;if)' the Manufactured Horn. as real property under Applicable Law; (d) thaI affixing the Manufactured Home 10 d1e Property doos not violate any zoning laws or other local rcquiremems applicable ra the Propert}': (e) that the Manutactured Home will be, at alt IÍm~$ and for all purposes, perman~ntl}' am~ed to and part of the Propeny. S, Charges; Liel1s. Section 4. Paragraph I orthe Securil)' lnsU'Ument is amended tD add a new third 5entlnce to read: Borrc\It'ln shall promptly furnish to Lend=t all notices or amounts to be paid under thì9 paragraph and receipts evidencing the pa~'mel1ts, 6. Property Insura..ce SecLion S. Paragraph 1 o1'the Security Instrumel\t is; arnend:d tP add a new s~cond sentence 10 read: Whtnever the Manufactured Home is transported on the highway, Borrower musr have trip insurance, 8. AdditioRal Events or Default. (ø.) if un)' structure 011 the Prgperty. in¡,:ludil\g the Manufactured Home, shaJJ be removed. delnolished1 or substantially altered; (b) ¡fBorrower fails 10 comply with an)' requiremem orAppli~able Law (Lender, how~ver, may comply and add the e:\pense to the principal balance Borrower owes to under); or (I:) if Borrower grams or petn,lts any lien On the Property olhl:t' than Lemkr's lien. or liens for tQXoe5 and assessments that are 110t yet due and paya.ble. 7. Nollces. The $ecønd sentence or Section IS of1he SecLlrit)'lnsttumttnt Is 8n\~~ b)' inserting the words "Llnle&5 otherwi5c requiml by ll1w" II~ the end. 9. Noth::e of Derlul~. I f required by Appliçabl~ Law. before using l1t~medy, Lcnd.r will send Barrower any notice ra-quirvd by l:¡w, and ~ail for an)' çuro period that the law may requite for that remedy. 10. Additional Rights of Lender in Event of Foreclosure and Sale. 1n addition to mOIl: ri¡lns granted in [he- Note and Security Instrument, Lender shall have the fOllowing rignts in the c\'en~ Lender commer¡çes pro¡;eedin¡a rorthc" foreclQsure and sale ofth. Propert)', ' (4) At Lender', IJption, to the e"tent permiu~d by Applíc:ablCl Law, Lender may elect to treat the Manufactured Horne as personal propeny ("Personal Property Collateral"). Lender mß)/ ...posaeu pe¡¡cctfIJlly fl'Ol'I'I tl'le place whqr. the Personal PropertY CoUatl!!rll11 is lQoatcd wiU1QUC B.:ÞC"OWèl"O ~rlni..igl1. Lc; \do:l' ~11fO nUl)' ...qulro Borrower '0 mill&... _h. PenoR1&1 Propctt)' C'olhucmal aVQiläblr;: to Lcnch:r 111 Q place l.I:nd!:lr d,"i~nate$ that is fcaiOnabl)' convenient tQ Lender and Bormwer. At I,.ond¡:r·& oprion. (I) th~ cxtC!RI permitted by ApplicQble Lnw, Lll1der may detac:h 81\d remove Personal Propërt)' Cøllateral fn:Jm the Propel1)', or Lel\der mny tllke possessíon orit and ICQ"'e it on the Proporty. Borro"lIt agtC~s to CDOpef1l'C; with Lcnder if Linder exergis=s these righti, Pu~.. :! of.3 uvr-¿¡;:¡-;¿;IIII( "., ; .6 ( 1'1rSl. nUl'l~UII 000149 (b) Aft~r Lel1der repossl!sses. Lender may sell the Pdrsonnl Property Collateral and appl)' the 5ule proceeds to Lender's rea$onable repoS$C$sion. repair. storage-. and sale expenses. and th~J1 toward any other amounts Borrower owes under the Loan Documents. (c) In tbt: e...em of any foreclosure sale, whether made by Trustee, or under jud¡menl of a court, all ofthe real and P~rsonal Property Collateral mQ)'~ al the option of Lender. be sold as I whole or in parcels, It shall nor be necessary to have present at the place of such sale the Personal Property Collaternl or Iny part thereof. Lender Ii well IS Trustee on Lender's behalf, shall have all rbe rights. remedies and recoW'$e with respect to the Personal Property Collateral atforded to a ·"Secured part)o'Þ by Applitable Law in additiDn to, and not in IÏlnitation of. the other rights and recourse afforded L.ender and/or Trustee Imder thœ SecuritY Instrument, ß)' si~ning belo\\'. Borro\\rc:r accepts and agrec:s to the terms and c(",cnants contained in this Rid!!r ~*,qy¡ ~ü2zr= BOrrD\\Cr Borro~er STATE OF Wyominll! COUNTY OF \ .'\''(\.~~ \\ ) as.: ) On the <'\~ day of ($.'\"l~~ 1.~\.J<i- in the year Before me. the undersigned. it Notary Publio in and for said State, pel'$QI\ally appeared ~f.1I.t'S rnl.~l-H~N£V . personally known to me or proved to me on the basis ohatisfactory evidønc:e to be the individual(s) \"l1ose ntamc(S) is (are) subscribed IQ rI,e within instrum.nt and Acknowledged 10 en'that helshe/they es,ecuted [he same In hls/her/their c:apachy(ies), and tb"t by his/her/their signmure(s) on the instru.ment. th~ Il1dividual{s). or the person on behalr ofwhich the jndividual(~) aerèd. executed the in!ltrurnc:nr. ~-N ,~I.:\.>--\~\ {\Q Notary Signature ' \ .~\~ ~~~\(\~ Noun')' Printed Na e \ Nouu}' Public: S[ð[C Df "\. ª~~~\ ~~ Qualified In the County of ~. _ _ ~~ ' M) commission ex.pires: _ ~___ __ Official Seal: ;rARY pUBUC , USA SPA.ULDING - NO I SfA,1E Of \ couNlY Of W'lOMING UNCOLN , MY c~p. 7/l/2011 Draft~d B)': ~ PQ\t.- 3 01'3 R"cord :and Return ø' b~' Moll 0 by Pickup to: First H"ri~on Home Loans COt¡:lor3tÎon Pas! Closing M;:¡U R-:.om 1555 West W~lmlt Hili Ll1n" H300MC lrvin~, Tr::\i1s 7S038 REAL PROPERTY AND I\IANUFACTURED HOI\IE LIMITED POWER OF ATTORNn' (To exeCute Or relê~~ litle, mortgogj or cI.ed Ortrusr, 5el:urir.-' filing. transfltr of ~ul1Y and insLIliU1ce documems and prOl:eeu:J.) 0001.50 ~ FIRST &~ HORIZON, Hottls LOA.ItoI5 Thli! ~nJ"l'$ign.:d borrowor(s}. wh~rhllr ene ;r more. e:u:h rerl!l'rtd 10 btlow Ai "I" Or "mè," raiding al: (;P5 JiXTlhl lis ~ RoO£L SII'I:eI A <!dress Ii I d¡,;( )"4) f.t./- S3~;'6 !:.::: (;! ;') <'"_'...dd......), I am rhe BU)'!!f Owner Oflhè follQwin!5 monuroclured home (lh~ "M:lnur~u~teå Home"); I~ç d- d¿)(j;;? ¿')/tkü.//Jr)(:( / New'UW<i VlSar M¡mufDClurer', N4me -<j~¿;{ ? ~OO R 2 B N a fo4'iJç¡{ () J -~to I F !oS". 7X 27. '-I Model N:un.iMQ~el No. MIU1IdQC1Urer'S Serio I N\1. Len¡th/Width PUm\:¡fhJn¡l) ¡nixed co rhe ren.1 prQperty locAted at &5 @CJfh¿'i U ~ ~ Ro~ Slreet Address Lt.J;Ü/ l) ("PrQpercy AddreSs") and as man: COunt!) ft) I pÚlL Cit), kVl,j ~ ~ ;¿\22{ -'-a. Zip p:1niculafl)' d~scrib~d on E."hibit A Quachtd h~Mto (Ihe "R\t¡d Prop~rt)'''). I do hereby Irrevocably mõ1ke, c:on5titut.e. ¡appolnl al\¡; 4uthorizc wilh full powen 1)fsubstÎCution. First Horl~on Home Loan COrpOrBlion. (·'Lena:Ser"). it's SUCl:eS50fS, QSsi"ns or d'liignees lIS my ag~t and actornlS)·.iq.f¡¡ct, in m~ n~c, pliJc' and nend In any way which 1 CQuld du. if J \\ Itr" pfl'$Qnally present. with full power or SUbSlilulÎQn Dnd dltld'go.don, (I) 10 comph:te. exec;ute I/'Id dctliver. In m~' nam~ or L~ndfr's nalne, any anå all fQrms, cenlfklltts. ~signmen\S. designations, rc14astS or oUII:r doc:umentltion as m:1)' b¢ n¡:ct:lSllry or proper to impl.mltnI Ih. ZmTlS I1nd ptovi!iions armlO SfCurlt)' lnsttUmellf cUJced . .:xctcut"d b)' me In r"vor of Lender. (2) tQ complet~. ¡:xec:ute and dltU",.r, In my nllma or in Lend~r's ruune. an)' and all fom1i. ce"in~al"., assignments. desigmnlons. rclco.s~s or other documQ1uuion as m~y b~ nec:essnry or proper 10 mak" appliCQllon for and ftblain the cc)rdlìcal~ oftille for Ih~ Manul~[urtd Home and '0 ho.ve Llnd.:r (or hs desiW'l!!e) dfslgnatèd ;¡S li,,:nhold¡er on ¡he cettitïcI1I8 afticle for the Manu~tured Home. (3) to complete, e~ecu'lt and deliver in 111>' n¡¡mt or L.::nder'.s n;¡rne, ~ny and all forms, ctnifi¡;:¡¡t.s. ~lsl þUJ1tnts, designations, rellas.. or other documenulIion AS mQ~' ~ n~ce:S5iU)' Qr proper 10 have the MlII1uf:¡ctured Hdme treated 1&5 ml est:lIe for IIny anl!.1I purposes under S1:ne 11m. ìndud¡n~ but no Iim ll!d 10 the sumndçr or an)' certitic~a!1it ofCitlc, an)' elecdon to Ire..t the Manufactured Homer as rt'31 ~S(:1te for t:lx purpose. or 10 m,,~ I'In)' olher ~quiremen¡s in Qrdc:r ror Ihl! IQarvfjnancing yc:ured by the f"hmuíhclured HQme and the klS:11 PrOJ:lerty 10 ~ I!ligiblll fot die on Ihe Fedeml Nluional Monga&tr AUDcÎ:1tion L ··"....nh. ~'ac..). IJ.<. ".c£.o~... H~m.. Lo..... IIwla"'!I"a. ............I..llo>n t'l"r",.kh.. 1Iw'........) 01' :aI'W <;at!1cr _CORda"}' mArket r"·r4h;l~~t, t~1 1o """.¡VIS, aompl"".., 4!)o¡vo;\,It. or .ndorl:.q. :&1\.:1 d...liv..1' 1ft m)' n""..or.., ....n"..I'·. n-.. Qft7 .nd..1I ..'-Ion 1\)(In,l. altrC<;fln-:nIS, q;1~1\n1.ml~. r!:lea.s.u, C"~C;k5. drllt~ j or other In:!ilrUmènt~ IInd V!!l'Iitles fot the paymcn& Or mon~}, Nlahn¥ tQ ;m~ "'~ùri1ncc CCllt:ftnt thd MDnufttCM~ HDm~.lhe ind.;bll1àne¡a 5¢l:ureli l:Iy me Mnnuftu:t\,lrea HDm~ Qr Ihlil ReJI Proptrt)', and (5) to I:ompl~ttl. sign and nl¢. wilhoùt m~' »i¡n:uure. such tiniU\cln £ ond conrlnlolaÛol1 51.-lIm'l!!''':\O. rsrnO!ndtnenl$. iU\d luppl~m~nl!o Ih#lreco, I'qQnSlIga. dèltÙ:I of CfU!lt unl1 oth~r dacumcnls. im:luliln¡ rclCDUS Qf Ihese ¡Iems. \\ hi¡;h 1m3) fram timll 10 dine do;o:m nl1Cit5SQI')I 10 pcrlècl, pr.:-~rvc ¡md ptcncct I,.çnd-=r'. $ecwrìey ¡nl«to$1 in Iho M:J.l'\l,.Lf<at:lur4'd HUln.:. Ihl! Prøp-ð'1't)o and WI)' olhilt prQpqri) SOl..! wilh it, t ::Ie!;.nú" l~o:Jac th;u at th~ lim. ofrhi'5 PQ" er Qt' V.......I-LJ\J-"'III" IJQ.~f r J.¡-;:s.... nvr·J.~uu I .uv 0001.51:' Atlomey and my SecurllY fnstNmem and any of the forms, ceniflcat~s, assi¡nments. desigrnUions, releases Dr other doçumenr3rion are prepared the seri¡¡l numb=r of the manufecrured housing unit may not be available or may be InilCcurBr., ThE: manufactured hOl1sinl! unit may be a tàctory order In rhe process ofbein¡ constrvc:tcd. Immediately, upon Lender's receipt orthe serial number, I undcmand and aa~r: Ihat the above items may be çompleted and/or cotrtcœd b)' Lender to prpperly disclose all the appliclble home identifications, Including the ¡crial number. J , und\':rsrand thor 1 will be provided with a copy oran)' comcted ¡grtement. To induce any third pliny to oct nereW\det, I rhereby agree IhQ¡ any third party receiving I duly exe¡;uted copy or filcsimile ofthís instrumenr may act hllreunder,lIOd I fDr mystlfand for my heirs, exeçutofs,leSl1 representatives and as¡¡gns. hl!reby agre8 to indemnJt'¡ 8nd hold harmless any ,uc:h third pnny from and I8swt any and aU çlaims that may arise against suth third party by reason of such third parry having relied an the provi,iQns of this insrrumeJ1L I have given th is limited PQW" or Anomey in eDonoçtion with ¡ JolItI/t1nl1l1cing 10 bl!! given by Lendtr and to induçe Lender to make the flol1nCing availQbJ.. h is coupled wlm an interest in the tnn$AOtion and is irrevoc:ablc , This Limited Power of Anomey shall nQt be aN'.c:ted Þr In)' (our) subsequent inc:ap4City, disability. or incom~enc:e. J dp further granr unto Lender full authoricy and power to do and perfonn an)' and aU acts necessat')' ar incidem to the execution OrtM þawr~ herrin expre$sly II'M~td as fully as 1 might or could do it personally present. WITNESS my hand and ;¡9.1 tl1is _ day of ~~7C2~,_ó' K-e JCS Me... EI/~.¿v1 ey- prlnttd N~mll: Whness Borrower Witne55 Printed Namt STATE OF \v.... \\. ~m\(\Cì ) \ . \ \ )as.: \... \ '(\~ C'\ \ 'f'\ \ On the ~d&lY of CJ C..\ Q~(\.f.. in th~ year~bcfQre me, ~v:cs me.. SoL. HiNEr 'f COUNTY Of' rh" Undot5íßned. a NOtlry ~blic In unci tor &iaid State, pertOnall)' appeared Pel'lonaH)' MDWn to me or proved 10 mill on !he Imsi$ of SQdsf¡¡c:tory I;vidrmce '0 be me indivldual(s) whose nllme(s) Is (lire) 5l1b~cribed 10 th~ within insrrunu:nt and acknowledgtcl to me that h~/sb...~hty eXl!!cuu:d the Arne ¡at hls/her/d1t:ir caplI.clty(les), IInd that by his/her/their si;niture(s) on the imilrumenr. the inóivldUal(s). or die person on behalf of wl1içh the' dlvidua1{Ii) Deted. extc;uted the Instrument, lISASPAUlDING - NOTARY PUBLIC COUNTY OF LINCOLN STATE OF WYOMING NOf;l/y PUblic: !!it;ue or Qu4lifl~cI In thot County or My commission expires: '\.. \_" l'\'{ = Official Scal: MY COMM. EX!! 7/1/2011 Drafted By: ~~~~ZON. HOME LOANS STATE OF W\'oming COUNTY OF \"'\ n~ 1\ , ¡ ...\ ) ~ ~ Rel:ord and Relurn ø by Mail Dby Ph:kup 10: First Horizon Home Loans Corporation PoSt Closing Mail Room 1 SSS W, Walnut Hill Lane ##200MC h'\'inB. Texas 75038 0001.52 MANUFACTURED HOME AFFIDAVIT OF AFFIXATION COUNTY OF UNCOLN Wf'{ COMM. EXP. 7/1/2011 USA SPAULDING - NOTARY PUBUC SWE OF wyoMING BEFORE ME. lhe undersigned nO[8l')' pùblic¡ on this da)" petSCJnnl1)' appeared ~e.;", \ ~ \\\c:..L.\-.no-"\\ Q..,-\ {ope lhfl nQnur of Nt:h HOIllt!OK'IJI!t' signing lhil ,.J,ffiåen·¡tj: known to me to be: the person(s) whose name(s) i&lare subscribed below (each a "Homeowner"), and who. being Þ}' mo nm duly swam. did eøc:h on his or her oath slale 8& follow!!: I. UwJ NII"'/Uird Homeowner owns the mi1uuf~c:tured home ("Home") d8scribed as follows: 2002 c:aJLJJ:XJj) ¢??0 ~ t2ö:JR. 23 Nz/:;</-r¡ç¡¡ ()j ~Io IF Vear Manuflldurer'li Name Mod,l Name gr Model No. Mfg. Serial No, LtnlthIWidth 4, If the Homeowner is the nr5t retail buyer of the Home, Homeowner is in receipt of (i) me manUraclloII"cr's warrant)' for Ihlll: Home, (ii) the C'on:¡umer Manual for th8 Home, (iii) the Insulation Disclosure for the Home. iIIld 0,·) Ihe formaldehyde health notice forth.:: Home. Th~ Home is or \\ill be IOl;atod at Ihe follo\\'ing "Propen)' Address": ¿" n:~{ìl v Counr;y ., The HOlne was built in compliance with tlte federal Manufactured Home Construction and Safet)' Standlrds Act. 3, ft:,o C'-~"I ,-) (;- (') :-:')/ ¿j( \..J Z.¡p Cod.. A TTENT10N COùNTY Cl.ERK: This ìnstrumenlCClvtl'$ goods thai ¡U8 Dr are 10 become fj~t\lrts øn the land described herein Bnd is to be filled for record in lhe. rEcords where conveyances of real estate an: recorded, Pag!! I or.¡ U\..d-<:¡,,-<:¡I'" , "'1; <:¡ ( l'lrS1; 110rlZOn r""_UD 000153 S, The leg:!! description oft!!e Property Addre!:!I ("L:md") i!; fyped b~low or plcn~:: $CC :m::hcd legal desçripdon: See Bunched exhibit It for le ;lnl d~sription 6. The Homeowner is thl: owner ofIhe L.and or, if not Ihe ownlfr of the Land, ¡oS in possession of the r~i11 propeMy pursuant to a lease in recordable form. and the consent of the lessor is an.aehed to this Affida\'it ' 7. The Hom~ is 0 shall be anchored to the Land by attachment to II pennllnenl foundatiol1. constrU~te~corchmce with applicable state and local building codes and manufac;turrtr's specificatìons in a manner sufficient to validatl!' an)' applicable rnønufaclUrer's warranty, anå permanentl)' connected [0 appropriate,! residential utilities (¡¡-.g., water, galt, electricity, sewtr) ("Permanend)' Affixed"). The Homeowner inumds that the Home be an immoveable fixture and a peml~nent improvement 10 the Land, 8. The Home shall be assessed and ta:'ted as an inlpro\'emem to Ihê Land. 9. HomtQYlner agrees that as of today, or if (he Home i!i not yet located 01 the Property Address. upon the delivery orlhe Heme to [he Property Address: (n) All permÎls required by governmental authorities have been ohtainltd\ (b) The foundation s)lstem ror the Home \\'3$ designed b)' an engineer (I;) meet the soil condition$ of the Land. All found¡¡&ions Drc conslruçtcd in accordançe with applicable slate alld local b¡¡ilding code51 and rnanufacwrer's specinca(lons In a manner 5uffic:ir:ßt to validate any applicable manufacturer'!! warrant)'. (c) The wheels, axles, towbar or hitch were removed when thlt Home was. or\\"ill be, pla.¡:,d on the Propel't)' Address; and (d) The Horne is (i) Permanently Affi:<ed to a foundadon, (ii) has the characteristic' ofsiu:-built housing, and eiii) is part Df [he Land, 10. If the HomcQwner is the Owner ofIlle Land, any conve)'l1nce or financing of the Home and the Land shall be a single transaction und~r applicable state law. II. Other than those disc;losed in this Affidavit, the Homeowner is not aware of (i) any oth.er çlaim. lien Dr enc:uanbrancli! affecting the Home. (ii) any fo!:[s cr informllion known to the Homeowner that could rea50nabl)' affecI the \'alidity of the title of che Home or Lhe c:xistence or non-e:dlilenclI of sec;urit), imerests in it, I J. A Homeowner shall inhial only one ofthe following, as it applies to [i[le 10 tne Home: [ ] The Home is not covered b)'a I:cnlfiaate of title. The original manufacturer's certifitlte or origin" duly endorsed to the Homeowner, is att4thed to this Affidavit, or previously was recorded in [he real propeny records of thl jurisdiction where rhe Harne is tD be Ioc:ated. [ ] The Home is not covered b)' a cel1ificate ot"title. After diligenr searoh Bnd inq~jf')', the Homeowner is unable to produco [he original manufacturrr's cenifi~ah: JJf origin. [ ] T11V~rna1:lufaçturer·$ tenifícatc of origin Ocertifiça\~ or title [0 Ihe Home o sholl be :.l2r'has been eliminored as n:quired b)' appUcable law. [ ] The Home ~haÌì\e co\'ertd by a c~rtificala afti(le. 13. The Homeowner designate:s the fOllowing person to record this Affidavit in the real propeny records of t.he jurisdiction \'there the Home is to be locat~d and upon hs rEn:ordín~ it shalL be returned b)' th.!. nKJOrqlns orr......r 'l1li I". ."'"1<:1: Name: Pirst Maritan Home Loan Corporation 14, This Affidavit is exec:ute-d by HomeQwner(s) pursuant to applicable sUIte law. fllge 2 or" OOO~54 IN WITNESS WHEREOF, Homeo\\n~r(s) has execultd (his Affidil,.it in m}' pre5~nce and in ~he presence of the und.:rsign~d \\ ¡mess.:s on ¡his day of ~ .' /1 /' ~ ' <:.""~ ~~t/'ZQ Homeowner # I <1? .e.. v ,~ il é' él Â. <et1<e l' ' Primed Nalne (SEAL) Witness (SEAL) Homeowner #J W itnes5 ' Printed Name (SEAL) Homea"'l1~r #3 Witness Printed Name STATE Of W\'ol'nin~ COUNTY OF ~\'0C...C'l(\ ) On the '1.,~ dayor~ \~{L 1 \\1\~ Nota*} Public: in and for slid Sriu~, personally .ppa~ Rt.¢'S ) ) sS.: in the year before me. the undersigned. ¡a 111~ "L.~f" pcrsonall}' known to me or prø\'l~d to me on tlv: basl$ or satisfactory e\'idençe to be the individual(s) whose 'name(s) is (are) subscribed to the within instrumenr and acknowledged to me 1hat helshe/they executed the same in his/her/their capacity(ies), ilnd that by his/her/their sisnature(s) on the instrument. the individual(s). onhe p~n o~ behalfgfwhich the Individual(s) acted. exeçuled the instrument. ~~}\~~\\~ NQttar}' Signarure ~ \ :.._~... ~C'...'-. ~~\ \ i\Cl Notary Primed Nil e \ NOlal')' Public; Stille of ~...,:"~ ~,ro QualUjl¡!d in the CQunty of ~':k ~{ß \_ 1\.1)' c:ommission e)\pil'ls: .____ __ _ \ :I Offiçja SlItal: couNtY OF LINCOLN MY COMM. EXP. 7/112011 T/'JN PUBLIC LISA SPAULDING - NO., STATE OF WYOMING Page J of4 Lcnder's S'::m~mlrnt of Intent: OGT-:¿::¡-:¿'" ", '''i: '1.'( 1', rst tlOrl zon 000:155 11\.: und¡;rsil!l1I:d ("lender") intends that the Home be an immoYeiJble fixture and a permanent imprD\'ement to the Land Fint Horizon Home Loan Corporation lender ST ^ TE OF W)'omins COUNTY OF ~S\,c...J..~f'\ } ) 55.: ) On the~da)' or ~ \~Ç\{l in the year 1ßJ3- ß~fQre n\e, th~ Ul"ldl!fSi ned. a otary Pl.lblic in and for said St~ne. perlOnllly apþeared . .vu personally Imo\\n tQ me or proved to Ine on Ibe basis of satisfactory t\'ldence to be the indh'ldual(s) \\høse name(s) is (4111) subsct'ibed 10 the within instrul11ent and IIckno~ ledged to me that he/she/they executed the same in his/her/their capacity(ies), and t~at by hislher/their signature(s) on the instrUment. the individual(s), Of the:' p¢rson on behalf ofwhic:h the individual(s) acted. el.ec;:uted the Instrumeht. ~~ ~,"~,Ç}~ Notalt), Signature, \) , "\..i.hC\ ~~'-~~\ Ç\ç:ø NOlin')' Printed Na e \ Notáf}' Public: Stare of Qualified in tht County of 1\1)' commission 4::\pitf:$: \j.)'~'t<\.\\\~ _ 'L, '\\~~ {"\ \ ~ ~- \JL~\\ í~~ )t . STATE OF Z COUNtY OF, WYOMING 7- UNCOLN ' , "II\' COMM. EX!! 7/1/2011 ~ Official S~al: Dmft~d B,y: Pa!&e 4 of 4