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HomeMy WebLinkAbout935892 ( 7/ I/~ ..,f" i- ". 6010716277 Prepared By: TIFFANY STIEFEL ZIONS FIRST NATIONAL BANK, N .A. 255 N. ADMIRAL BYRD RD SALT LAKE CITY,UT84116 (801) 326-5710 RECEIVED 12/28/2007 at2:16 PM RECEIVING # 935892 BOOK: 682 PAGE: 448 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY 000448 Return To: ZIONS FIRST NATIONAL BANK, N .A. 255 N. ADMIRAL BYRD RD SALT LAKE CITY, UT 84116 (801) 326-5710 " .l [Space Above This Line For Recording Data] MORTGAGE YELLEN Loan #: 41.07110095 PIN: 1.2-21.1.6-23-3-01.-004.00 MTIN:1.0001.9541.071.1.00952 DEFINITIONS Words used in multiple sections of this document are defmed below and other words are defmed in SectioIlS 3, 11, 13, 18, 20 and 21. Certain nùes regarding the usage of words used in this document are also provided in Section 16. (A) "SecUlity Instrument" means this document, which is dated DECEMBER 2 8, 2007, together with all Riders to this document. (B) "Borrower" is KENNETH M YELLEN AND JANIE L YELLEN, HUSBAND AND WIFE. Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Electronic Registration Systems, Inc. J\1ERS is a separate corporation that is acting solely as a nonúnee for Lender and Lender's successors and assigns. MERS is the mortgagee under this SecUlity Instrument. J\1ERS is organized and existing under tile laws of Delaware, émd has an address and telephone number ofP.a. Box 2026, Flint, MI 48501-2026, tel. (888) 679-J\1ERS. (D) "Lender" is ZIONS FIRST NATIONAL BANK, N .A.. Lender is a CORPORATION organized and existing llilder the laws of UTAH. Lender's address is 255 N. ADMIRAL BYRD RD, SALT LAKE CITY, UT 84116. (E) "Note" means the pronússory note signed by Borrower and dated DECEMBER 28, 2007. The Note states that Borrower owes Lender ONE HUNDRED EIGHTY - FOUR THOUSAND THREE HUNDRED AND 00/100 Dollars (U.S. $184,300.00) plus interest. Borrower has pronúsed to pay this debt in regular WYOlVllNG .. Single Family.. Fannie Mae!Fredllie Mac UNIFORM INSTRUMENT ··'f9 360.20 Page I of 13 F0l111 30511/01 89fr I 4107110095 Periodic Payments and to pay the debt in flÙl not later than JANUARY 1, 203 B, (F) "Property" means the property that is described below llilder 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 hlstrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower, The following Riders are to be executed by Borrower [check box as applicable]: 000449 o Adjustable Rate Rider o Balloon Rider o 1-4 Family Rider o Condominium Rider o Planned Unit Development Rider o Other(s) [specify] o Second Home Rider o Biweekly Payment Rider (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative mles and orders (that have the effect of law) as well as all applicable :final, non-appealable judicial ophúons, (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 sinúlar organization. (K) "Electronic Funds 1ì-ansfer" means any transfer of funds, other than a transaction originated by check, draft, or sinúlar paper instrument, which is initiated through an electronic ternÚ1lal, telephonic instmment, computer, or magnetic tape so as to order, hlStruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not linúted 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 danmges, or proceeds paid by any third party (otller than insurance proceeds paid under the coverages described in Section 5) for: (i) danmge to, or destruction of, the Property; (ii) condenmation or other taking of all or any part of the Property; (iii) conveyance in lieu of condenmation; or (iv) misrepresentations of, or onússions as to, tlle value and/or condition oftlle Property. (N) "M0I1gage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan, (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and hlterest under tlle Note, plus (ii) any anlounts under Section 3 oftllÎs Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.c. § 26tH et seq.) éU1d its implementing regulation, Regulation X (24 C.P.R. Part 3500), as they núght be éUuended from time to time, or any additional or successor legislation or regulation that govems the same subject matter. As used ill tllÍs Security hlstmment, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage 10éUl" even if tlle LOéUl does not qualify as a "federally related mortgage 10éUl" under RESPA. (Q) "Successor in Interest of Borrower" means any party tllat has taken title to tlle Property, whetller or not tllat party has assumed Borrower's obligations under tlle Note éUld/or this Security hlStmment. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of tlle Loan, and all renewals, extensions éUld modifications of the Note; and (ii) tlle perfornlance of Borrower's covenants and agreements under this Security Instrument and tlle Note. For tlús purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) éUld to the successors éUld assigns of MERS, with power of sale, tlle following described property located in the COUNTY (Type of Recording Jurisdiction) of LINCOLN (Nanle of Recording Jurisdiction): LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF_ WYOMING.. Single Family.. Fmmie MaelFrellllie Mac UNIFORM INSTRUMENT .,!!,:,::) 360.20 Page 2 of 13 Fonn 30511/01 ~ q~ 4107110095 000450 which currently has the address of 17 B 3 DEL RIO DR, KEMMERER, Wyoming B 31 0 1 ("Property Address"): TOGE1HER WITH all the improvements now or hereafter erected on the property, éU1d a II easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instnunent. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower lmderstands and agrees that MERS holds O1ùy legal titIe to the interests granted by Borrower in this Security Instnlment, but, if necessary to comply witIllaw or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of tIlose interests, including, but not linùted to, tile right to foreclose and sell tile Property; and to take any action required of Lender including, but not linùted to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seised of tile estate hereby conveyed and has the right to mortgage, grant and convey the Property and that tile Property is lillencumbered, 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 mùfonn covenants for national use and non-lillifonn covenants witll limited variations by jurisdiction to constitute a mmonn security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of PIincipal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due tile 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 lmder the Note éUld tIùs Security Instrument shall be made in U.S, currency. However, if any check or other instnlment received by Lender as payment under tile Note or tI1Ìs Security Instrument is returned to Lender unpaid, Lender may require tIlat any or all subsequent payments due lillder the Note and this Security Instrument be made in one or more of the following [onus, 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 otIler location as may be designated by Lender in accordance WitIl the notice provisions in Section 15. Lender may return any payment or partial payment if tile payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring tile Loan current, witIlOut waiver of any rights hereunder or pr~judice to its rights to refuse such payment or partial payments in tile future, but Lender is not obligated to apply such payments at tile time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then LeÙder need not pay interest on unapplied funds. Lender may hold such lmapplied flillds lmtil Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of tinle, Lender shall either apply such n.mds or return them to Borrower, If not applied earlier, such funds will be applied to the outstanding principal balance lillder the Note immediately prior to foreclosure. No offset or claim which Borrower nùght have now or in the future against Lender shall relieve Borrower from making payments due lmder tile Note and tIùs Security Instn11llent or perfonning tile 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 tile following order of priority: (a) interest due under the Note; (b) principal due under tile Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in tile order in which it became due. Any remaining amounts shall be applied first to late charges, second to any otIler amounts due under tIùs Security hlstnllUent, and tIlen to WYOMING - Single Family.. Frnuùe Mae/Freddie Mac UNIFORM INSTRUMENT ..~~:;J 360.20 Page 3 of 13 Fonn 30511101 ~ C)~' 4107110095 reduce the principal balance of the Note, If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amOlmt 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. Voluntary prepayments shall be applied fIrst to any prepayment charges and then as described in the Note, Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, lUltil the Note is paid in full, a sum (the "Funds") to provide for payment of amOlUlts due for: (a) taxes and assessments and other items which can attain priority over this Security Instmment as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance 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 Conummity Association Dues, Fees, éUld Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be éUl Escrow Item. Borrower shall promptly fumish to Lender all notices of éUuOlmts to be paid undertl1is Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay tlle Funds 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, tlle anlOunts due for emy Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall fumish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments éUld to provide receipts shall for all pmposes be deemed to be a covenant and agreement contained in tl1is Security hlstrument, 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 tlle amolUlt due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall tllen be obligated under Section 9 to repay to Lender any such anlooot Lender may revoke the waiver as to emy or all Escrow Items at any time by a notice given in accordance Witll Section 15 éUld, upon such revocation, Borrower shall pay to Lender all FUllds, and in such anlo11ilts, tllat are then required lUlder this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to pemùt Lender to apply the Funds at the time specified lUlder RESPA, and (b) not to exceed the maximum anl0unt a lender can require under RESPA. Lender shall estimate tlle amount of Funds due on tlle basis of current data and reasonable estimates of expenditures of future Escrow Items or otllerwise in accordance with Applicable Law. TIle 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 an..y Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later tlléUl the time specifIed lmder RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law pennits Lender to make such a charge. Unless éUl agreement is made in writing or Applicable Law requires interest to be paid on the Foods, Lender shall not be required to pay Borrower any interest or eamings on tlle Funds, Borrower and Lender can agree in writing, however, tllat interest shall be paid on tlle FUllds. Lender shall give to Borrower, without charge, an annual accounting of tlle Funds as required by RESPA. If there is a smplus of Funds held in escrow, as defIned under RESPA, Lender shall accOlUlt to Borrower for the excess funds in accordance Witll RESPA. If there is a shortage of Funds held in escrow, as defIn,ed under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to 000451. WYOMING.. Single Family.. Fmmie Mae/Frelldie Mac UNIFORM INSTRUMENT "!!'~:) 360.20 Page 4 of 13 Form 30511/01 ~ J/ ,/" .j ;' ~ i I 4107110095 000452 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 Imder RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amOlmt necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly pàyments. Upon payment in full of all sums secured by tlús Security Instrument, Lender shall promptly renmd to Borrower any Flmds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to tlle Property which can attain priority over this Security Instmment, leasehold payments or grOlmd rents on the Property, if émy, and Community Association Dues, Fees, émd Assessments, if any. To tlle extent tllat tllese items are Escrow Items, Borrower shall pay tllem in tlle mmmer provided in Section 3. Borrower shall promptly discharge mlY lien which has priority over tllis Security Instnunent unless Borrower: (a) agrees in writing to tlle payment of the obligation secured by tlle lien in a manner acceptable to Lender, but only so long as Borrower is perfornring such agreement; (b) contests tlle lien in good faitll by, or defends against enforcement of tlle 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 tlle lien ml agreement satisfactory to Lender subordinating tlle lien to this Security Instmment. If Lender detennines tllat mlY part of the Property is subject to a lien which can attain priority over tlús Security Instmment, Lender may give Borrower a notice identifying tlle lien. Witlún 10 days oftlle date on which tllat notice is given, Borrower shall satisfy tlle lien or take one or more oftlle actions set forth above in tllis Section 4, Lender may require Borrower to pay a one-time charge for a real estate tax verification mld/or reporting service used by Lender in cOlmection witll tllis Loml. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on tlle Property insured against loss by fire, hazards included within tlle term "extended coverage," and any other hazards including, but not linúted to, earthquakes mld floods, for which Lender requires insurance. TIlis insurance shall be maintained in the amounts (including deductible levels) and for the periods tllat Lender requires, What Lender requires pursuant to the preceding sentences can chmlge during tlle term of the Loan. TIle insurance carrier providing tlle 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 witll tlús Loan, either: (a) a one-time charge for flood zone detemúnation, certification émd tracking services; or (b) a one-time charge for flood zone detemúnation mld certification services mld subsequent charges each time remappings or sinúlar chmlges occur which reasonably núght affect such detemlination or certification. Borrower shéùl also be responsible for tlle payment of any fees imposed by the Federal Emergency Mm1é1gement Agency in comlection witll the review of émy flood zone detemúnation resulting from an objection by Borrower. If Borrower fails to maintain any of tlle coverages described above, Lender may obtain insurance coverage, at Lender's option mld Borrower's expense. Lender is lUlder no obligation to purchase any particular type or amount of coverage, Therefore, such coverage shall cover Lender, but núght or might not protect Borrower, Borrower's equity in tlle Property, or tlle contents of the Property, against émy risk, hazard or liability and might provide greater or lesser coverage tllllil was previously in effect. Borrower acknowledges that tlle cost of the insurance coverage so obtained núght significantly exceed tlle cost of insurance that Borrower could have obtained. Any mnounts disbursed by Lender under tllis Section 5 shall become additional debt of Borrower secured by this Security Instnunent. TIlese amounts shall bear interest at tlle Note rate from the date of disbursement mld shall be payable, Witll such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender mld renewéùs of such policies shéùl be subject to Lender's right to disapprove snch policies, shall include a standard mortgage clause, and shall nanle Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold tlle policies mld renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premilUlls mld renewal notices. If Borrower obtains any foml of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, tlle Property, such policy shall include a stml(:lard mortgage clause and shall WYOMING.. Single Family.. Fallnie MaelFredllie Mac UNIFORM INSTRUMENT ~E" 360.20 Page 5 of 13 Fonn 3051 1/01 \~ ~~ 4107110095 000453 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 éUld 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 underlying insunUlce 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 éUld restoration period, Lender shall have the right to hold such insurance proceeds mltil 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 disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. U1ùess 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 tlle 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 Instmment, whether or not then due, Witll the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in tlle order provided for in Section 2. If Borrower abandons tlle 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, TIle 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 amOlmts unpaid under the Note or this Security Instrument, éUld (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instmment, 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 PI1J}leliy; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or conullit waste on tlle Property. Whether or not Borrower is residing in the Property, Borrower slléùlmaintain the Property in order to prevent tlle Property from deteriorating or decreasing in value due to its condition, U1ùess it is detenllined 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 danlage. If insurance or conderrmation proceeds are paid in cOlmection with danlage to, or the taking of, tlle 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 conderrmation 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 tlle 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 defmùt 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, nùsleading, or inaccurate infonllation or statements to Lender (or failed to provide Lender with material Ì1úoffilation) in cOlmection with the Loan. Material representations include, but are not linlited to, representations conceming Borrower's OCCUPéUlCY of the Property as Borrower's principal residence. WYOMING.. Single Family - Fmllúe Mae/FrelllIie Mac UNIFORM INSTRUMENT "'{~:,;) 360.20 Page 6 of 13 FOl1l1 30511/01 \~ 1Ý 4107110095 000454 9. Protection of Lender's Interest in the Pro}Jel1y and Rights Under this Security Instrument. If (a) Borrower fails to perfornl the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in tlle Property and/or rights under tllÍs Security hlstnunent (snch as a proceeding in b~Ulkmptcy, probate, for condenlllation or forfeiture, for enforcement of a lien wlúch may attain priority over tlús Security Instnlment or to enforce laws or regulations), or (c) Borrower has abandoned tlle Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under tlús 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 attorneys' fees to protect its interest in tlle Property and/or rights under tlús Security hlstrument, including its secured position in a bankmptcy 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, elinlinate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under tllÍs Section 9, Lender does not havè to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking ~Uly or all actions authorized lUlder this Section 9. Any amOlUlts disbursed by Lender IUlder this Section 9 sh~ùl become additional debt of Borrower secured by this Security Instrument. These amolUlts shall bear interest at the Note rate [Tom 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, Borrower shall not surrender the leasehold estate and interests herein conveyed or temúnate or cancel the ground lease. Borrower shall not, without the express written consent of Lender, alter or amend tlle grOlUld lease. If Borrower acquires fee title to the Property, the leasehold and tlle fee title shall not merge unless Lender agrees to the merger in writing, 10. M0l1gage Insurance. If Lender required Mortgage Insurance as a condition of making tlle Loan, Borrower shall pay the prenúums reqlúred to maintain tlle Mortgage hlsurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer tlmt previously provided such insurance and Borrower was required to make separately designated payments toward the prenúums for Mortgage hlSlmmce, Borrower shall pay tlle premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of tlle separately designated payments that were due when tlle insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non- reftmdable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-reftmdable, notwithstanding the fact tllat tlle Loan is ultimately paid in fill1, ~Uld Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward tlle premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making tlle Loan and Borrower was required to make separately designated payments toward tlle premiums for Mortgage Insurance, Borrower shall pay tlle prenúums required to maintain Mortgage Insurance in effect, or to provide a non-reftmdable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such temúnation or lUltil termination is required by Applicable Law. Nothing in tlús 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 tlle 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. WYOMING - Single Family.. Fm1l1ie MaelFrellllie Mac UNIFORM INSTRUMENT é.') 360,20 Page 7 of 13 Fonn 30511/01 '4 qy 4107110095 000455 Mortgage insurers evaluate their total risk on all such insurdnce in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. TIlese agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements, TIlese agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include flmds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, ~Ulother insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectiy) amounts tilat 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 tllat ~Ul affiliate of Lender takes a share of tile insurer's risk in exchange for a share of tlle premiums paid to tile insurer, tile arrangement is often tenned "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 MOligage 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 ma)' include the right to receive celiain disclosures, to request and obtain cancellation of the MOligage Insurance, to have the MOIigage Insurance tel1ninated automatically, and/or to receive a refund of any MOligage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; FoIfeiture. 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 tile Property, if tile restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have tile 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 tile 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, tile Miscell~Uleous Proceeds shall be applied to tlle SUlns secured by this Security Instmment, whether or not tilen due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in tile order provided for in Section 2. In tile event of a total taking, destmction, or loss in value of tlle Property, tile Miscellaneous Proceeds shall be applied to tile sums secured by this Security Instnllnent, whether or not then due, witil tlle excess, if any, paid to Borrower. In tile event of a partial taking, destnlction, or loss in value of tlle Property in which tile fair market value of tile Property inunediately before the partial taking, destnlction, or loss in vahle is equal to or greater than tlle amount of tile sums secured by tIns Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otilerwise agree in writing, tile sums secured by this Security Instrument shall be reduced by the amount of tlle Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before tile partial taking, destruction, or loss in value divided by (b) the fair market value of tlle Property inunediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower, In the event of a partial taking, destnlction, or loss in value of tlle Property in which tile fair market value of tlle Property inmlediately before tlle partial taking, destruction, or loss in value is less tilélll tlle amolmt of the sums secured immediately before tile partial taking, destnlction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to tlle sums secured by this Security Instrument whether or not the sums are then due. WYOMING.. Single Family.. Fannie MaelFrellllie Mac UNIFORM INSTRUMENT ,Ii{~.) 360.20 Page !< of 13 F0I111 30511/01 \~~~ 4107110095 000456 If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that 111e Opposing Party (as defined in 111e next sentence) offers to make an award to setl1e a claim for damages. Borrower fails to respond to Lender Wi111in 30 days after the date 111e notice is given, Lender is aul1lOrized to collect and apply the Miscellaneous Proceeds either to restoration or repair of 111e Property or to 111e Sllll1S secured by this Security Instrument, whe111er or not 111en due. "Opposing Party" means 111e third party that owes Borrower Miscellaneous Proceeds or 111e party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whe111er civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairnlent of Lender's interest in the Property or rights under l11Ïs Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing 111e action or proceeding to be dismissed Wi111 a ruling l1mt, in Lender's judgment, precludes forfeiture of 111e Property or 0111er material impairment of Lender's interest in 111e Property or rights llllder l11Ïs Security Instnllnent. The proceeds of any award or claim for damages that are attributable to 111e impairnlent of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds l1mt 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 Waivel~ 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 conmlence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or 0111erwise modify amortization of the sums secured by this Security Instmment by reason of any demand nmde by 111e original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, wil1lOut lin1Ïtation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less 111an 111e amount 111en due, shall not be a waiver of or preclude 111e 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, éU1)' Borrower who co-signs this Security Instnmlent but does not execute 111e Note (a "co-signer"): (a) is co-signing l11Ïs Security Instrument only to mortgage, grant and convey the co-signer's interest in 111e Property under the ternlS of l11Ïs 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 CéUl agree to extend, modify, forbear or make any accommodations with regard to 111e tenns of this Security Instrument or 111e 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 l11Ïs Security Instrument in writing, éUld is approved by Lender, shall obtain all of Borrower's rights and benefits lU1der this Security Instnnnent. Borrower shall not be released from Borrower's obligations and liability under l11Ïs Security Instrument lU11ess Lender agrees to such release in writing. The covenants and agreements oftl1Ïs Security Instnnnent 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 tlle Property and rights lU1der tl1Ïs Security Instnmlent, including, but not linùted to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, tlle 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 111at are expressly prohibited by tl1Ïs Security Instrument or by Applicable Law. If 111e LOéUl is subject to a law which sets maximum loan charges, éUld tlmt law is [mally interpreted so tllat the interest or 0111er 10éUl charges collected or to be collected in cOlmection wi111111e Loan exceed 111e pennitted limits, tllen: (a) ¡my such loan charge slléùl be reduced by 111e amount necessary to reduce tlle WYOMING.. Single Family - Fannie Mae/Frelltlie Mac UNIFORM INSTRUMENT '.!tl':) 360.20 Page 9 of 13 Fonll 30511/01 ~ gy 4107110095 000457 charge to the pennitted limit; and (b) any SUll1S already collected from Borrower which exceeded pernlitted limits will be refunded to Borrower. Lender may choose to make this refund by reduc:ing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note), Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender :in COll11(X;tion with tllis Security Instnullent must be :in writing. Any notice to Borrower in COll11ection with tllis Security Instnmu:nt 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 otllerwise. TIle notice address shall be tlle 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, tllen Borrower shall oruy report a change of address tllfough tllat specifIed procedure. TIlere may be only one designated notice address Ullder tllis Security Instnlment 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 cOlUlection with tllis Security Instnllnent shall not be deemed to have been given to Lender until aChlally received by Lender, If any notice required by tlus Security Instrument is also required Ullder Applicable Law, tlle Applicable Law requirement will satisfy tlle corresponding requirement under this Security Instmment. 16. Governing Law; Severability; Rules of Construction. TIlis Security Instmment shall be governed by federal law ~Uld the law of the jm'Ìsdiction in wluch tlle Property is located. All rights and obligations contained :in tilis Security Instnlment are subject to any requirements and limitations of Applicable Law. Applicable Law nlight explicitly or implicitly allow tlle parties to agree by contract or it might be silent, but such silence shall not be constnled as a prohibition against agreement by contract. In tlle event tllat any provision or clause of tlus Security Instnllnent or the Note conflicts witll Applicable Law, such conflict shall not affect otller provisions of this Security hlstnlment or the Note which can be given effect witllOut the conflicting provision, As used in this Security Instrument: (a) words of tlle masculine gender shall mean and include corresponding neuter words or words of tlle feminine gender; (b) words in tlle singular shall mean and include the plural and vice versa; and (c) tlle word "may" gives sole discretion without any obligation to take any action. . 17. Borrower's Copy. Borrower shall be given one copy of tlle Note and of this Security Instrument. 18. 1hnsfer of the Property or a Beneficial Interest in Borrowel~ As used in tllis Section 18, "Interest in tlle Property" means any legal or beneficial interest in tlle Property, including, but not limited to, tllOse beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, tlle intent of wlùch is the transfer of title by Borrower at a future date to a purchaser. If all or any part of tlle Property or any Interest in tlle Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) WitllOut Lender's prior written consent, Lender may require immediate payment in full of all sums secured by tllis Security Instnllllent. However, tllis option shall not be exercised by Lender if such exercise is prolubited by Applicable Law. If Lender exercises tllis option, Lender sllall give Borrower notice of acceleration. TIle notice shall provide a period of not less tlla11 30 days from the date tlle notice is given in aCCOrda11ce with Section 15 witllin which Borrower must pay all sums secured by tllis Security Instnllnent. If Borrower fails to pay tllese sums prior to tile expiration of tllis period, Lender may invoke ~my remedies pernutted by this Security Instrument witllout further notice or dema11d on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have tlle right to have enforcement of tIlis Security hlstnlment discontinued at a1lY time prior to tIle earliest of (a) fIve days before sale of tlle Property pursuant to any power of sale contained in tllis WYOMING.. Single Family.. Fmuúe Mae/Fre(}¡lie Mac UNIFORM INSTRUMENT ,~.~:,;) 360.20 Page 10 of 13 F0I111 30511/01 'f-1 L/ ~ 4107110095 000458 Security Instrument; (b) such other period as Applicable Law nùght specify for the tellIÙ11ation 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 wOlùd be due under tlùs Security Instrument and tlle Note as if no acceleration had occurred; (b) cures any default of any otller covenants or agreements; (c) pays all expenses incurred in enforcing tlÜs Security Instrument, including, but not linùted to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for tlle purpose of protecting Lender's interest in the Property and rights lmder tlÜs 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 tlÜs Security Instrument, shall continue 1m changed. Lender may require tllat Borrower pay such reinstatement sums and expenses in one or more of the following fonus, 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) ElectrOlùc F1Ulds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, tllÌs right to reinstate shall not apply in tlle case of accelerationlUlder Section 18, 20. Sale of Note; Change of Loan Servicer; Notice of Glievance. TIle Note or a partial interest in tlle Note (together Witll this Security Instrument) can be sold one or more times WitllOut prior notice to Borrower. A sale nùght 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 perfornlS other mortgage loan servicing obligations under tlle Note, tlÜs Security Instrument, and Applicable Law. TIlere also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of tlle Loan Servicer, Borrower will be given written notice of tlle change which will state tlle name and address of tlle new Loan Servicer, tlle address to which payments should be made and any otller infonllation RESPA reqlùres in comlection Witll a notice of transfer of servicing, If the Note is sold and thereafter tlle Loan is serviced by a Loan Servicer other tllan the purchaser oftlle Note, the mortgage loan servicing obligations to Borrower will remain with tlle Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by tlle 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) tllat arises from tlle otller party's actions pursuant to tllÌs Security Instrument or that alleges that tlle otller party has breached any provision of, or any duty owed by reason of, this Security Instnunent, until such Borrower or Lender has notified the other party (Witll such notice given in compliance with tlle requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, tllat time period will be deemed to be reasonable for purposes of tlÜs 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 tlle notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in tlùs Section 21: (a) "Hazardous Substmlces" are those substances defined as toxic or hazardous substmlces, pollutmlts, or wastes by Environmental Law <lild the following substances: gasoline, kerosene, otller flammable or toxic petroleum products, toxic pesticides mld herbicides, volatile solvents, materials containing asbestos or fonualdehyde, mld radioactive materials; (b) "Environmental Law" means federal laws and laws of tlle jurisdiction where tlle Property is located tllat relate to health, safety or environmental protection; (c) "Environmental Clemmp" includes mlY response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that cml cause, contribute to, or otllerwise trigger ml Environmental Clemmp. Borrower shall not cause or pernùt tlle presence, use, disposal, storage, or release of mlY Hazardous Substmlces, or tlrreaten to release <lilY Hazardous Substmlces, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting tlle Property (a) tllat is in violation of mlY Environmental Law, (b) wlùch creates ml Environmental Condition, or (c) whicll, due to tlle presence, use, or release of a Hazardous Substance, creates a condition that adversely affects tlle value of tlle Property. The preceding two sentences shall not apply to tlle presence, use, or storage on tlle Property of small quantities of Hazardous WYOMING - Single Family.. Famúe MaelFrelldie Mac UNIFORM INSTRUMENT ,~~) 360.20 Page 11 of 13 F0l1u30511101 ¥{ ~~. / ¡ 4107110095 000459 Substances that are generally recognized to be appropriate to nOllllal residential uses éUld to maintenance of the Property (including, but not linùted to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving tlle Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) éUlY 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 autllOrity, or any private party, tllat any removal or otller remediation of any Hazardous Substance affecting tlle Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance Witll Environmental Law. Nothing herein shall create an.y 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 I)]ior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrum~nt (but not I)]ior 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 Borl"owel; by which the default must be cured; and (d) that failure to cure the default on or before the date SIJecified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Propel1y. The notice shall further infonn Borrower of the right to reinstate after acceleration and the right to bling a cOUli 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 OIJtion may require immediate payment in full of all sums secured by this Security Instrument without fmiher demand and may invoIce the power of sale and any other remedies permitted by ApIJlicable Law. Lender shall be entitled to collect all expenses incurred in lmrsuing the remedies provided in this Section 22, including, hut not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invoIces the lJOwer of sale, Lender shall give notice of intent to foreclose to Borrower and to the IJerson 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 Propel1y shall be sold in the manner presclibed by Applicable Law. Lender or its designee may purchase the Propel1y 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 SUlllS secured by tlùs Security Instnullent, Lender shall release tlùs Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security InstnUllent, but only if tlle fee is paid to a third party for services rendered and tlle charging of tlle 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. WYOMING· Single Family· Famúe Mae/Frechlie Mac UNIFORM INSTRUMENT ..,!~.:c) , 360.20 Page 12 of 13 FornI 3051 1/01 It¡ 9b 4107110095 000460 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this rity Instrument and . Rider executed y Borrower and recorded with it. d () V07 - DATE - 1~ rr¿jDY (Space Below This Line for Acknowledgment) State of WYOMING County of LINCOLN ) ) TIle foregoing ,*~J1 € f-,( /Yl instmment Yelle", and' was acknowledged before ,;TQ n / ~ .<. . f/e lie" me by , this c:??~day of ¿pPCf'_'/'''' cJ¿)ttJ 7' t' Wi~~tOø~ Notary Public /. My C~nmlÎssionExpires: ¿O.,2µ6/~¿;V/ ~~4Þ LORI KALAN - NOTARY PUBLIC COUNTY OF LINCOLN STATE OF WYOMING My Commission hpires Feb. 26, 2011 ~...(~......"~~ WYOMING.. Single Family.. Fannie Mae/Frellllie Mac UNIFORM INSTRUMENT c!£!':;> 360.20 Page 13 of 13 Fonn 30511/01 File Number: 6010716277 EXHmIT "A" LEGAL DESCRIPTION 000461. Lot 2 of Block 5 ot'Lincoln Hðights 5th Addition, First Filing, to the City ot'Kemmerer, Lincoh.1 County, Wyoming as described on the official plat filed on September 7, 1983 as Instrument No. 603378 ofthe records ofthe Lincoln County Clerk. AJso, Lot 2A, Dell Rio Addition to the City of Kemmerer, Lincoln County, Wyonúng as described on the official plat filed on June 24, 1993 as Instrument No. 768502 of the records of the Lincoln County Clerk. (E StreamLine Legal Descnption. Exhibit "A" @Rev. 3/22/2006 ~~~