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HomeMy WebLinkAbout938159 .~\. 6010816512 Recording Requested By & Return To Chicago Title ServiceLink Division 400 Corporation Drive Aliquippa, PA 15001 RECEIVED 4/9/2008 at 3:44 PM RECEIVING # 938159 BOOK: 691 PAGE: 648 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY û00648 .. --- -- ~ - Prepared By: EVELYN PUA [Space Above This Line For Recording Datal 1609778 [Escrow/Closing #J 00019071564303008 [Doc ID #] MORTGAGE ~1000157-0008570401-9 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 tbe usage of words used in .this document are also provided in Section 16. (A) "Security Instrument" nU'.ans Ihis document:, which is dated MARCH 25, 2008 ,together with all Riders to tlùs docwnent (B) "Borrower" is ROBERT A THOMAS, AND SADIE M THOMAS, HUSBAND AND WIFE AS JOINT TENANTS Borrower is the mortgagor under tlùs Security InstrwnenL (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 modpgee under this Security Instrument MERS is organized and existing under the laws of Delaware. and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (0) "Lender" is COUNTRYWIDE HOME LOANS, INC. Lender is a CORPORATION organized and existing under the Jaws of NEW YORK Lender's address is 4500 Park Granada MSN# SVB-314, Calabasas, CA 91302-1613 (E) "Note" means the promissory note sIgned by Bol1'ower and dated MARCH 25, 2008 . The Note states that Borrower owes Lender TWO HUNDRED EIGHT THOUSAND and 00/100 Dollars (U.S. $ 208 , 000. 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than APRI L 01. 2028 (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 Not.e. and all sum') due under this SecUlity Instrument, plus interest. WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS M Mortgage-WY 2006A-WY (06/07)(d/ì) Page 1 of 10 Form 30511/01 111111 "23991* 1IIIIIIIIIIIIjl * 1 907 1 564 3 000 0 0 2 0 0 6 A * '000649 DOC ID #: 00019071564303008 (II) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check hox as applicable]: D Adjustable Rate Rider D Condominium Rider D Second Home Rider D Balloon Rider D Planned Unit Development Rider 0 1-4 Family Rider D VA Rider D Biweekly Payment Rider D Other(s) [specify] (I) "Applic:able Law" means all contl'oUing applicable federal, state and local statutes, regulations, ordinances and adnùnlstraUve rules and orders (that have the efft!ct of law) as well as all appllcable final, non-appealable judicial opinions. 0) "CommUDity Association Dues. Fr.es. ;and Asse.wuMts" mean') aJl dJJes, fee.'>, asse.ssment.'> and other charges that are imposed on Borrower or the Property by a condonùnlum association, homeowners association or similar organization. (K) "Electronic: Funds Tran.úer" means any transfer of funds, other than a transaction orIginated by check, draft, or sinûlar paper instrument, wlùch is initiated l1uough anelectfOflk terminal, telephonic instrument, 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 IlotHmlted to, ¡JOint-of'sale transfers, automated teller machine transactions, transfers initiated by telephone, wife transfers, and automateddearinghouse transfers. (L) "Escrow Items" means those Item') that, are described in SectIon 3. (M) "Misc:eDaneous Proceeds" means any compensaUon, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coveidges described in Section 5) for: (1) damage to, or destruction of, fue Pro~rty; (U) r,omh~mnatl{)n m other taking of aU many fldIt of the Property; (iii) conveyance in lieu of condemnation; 01' (iv) misrepresentaUons of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insw'8ßCe" means Illsuranœ protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic: Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ti) any amounts under Section 3 of lhis Security InstrumenL (P) "RESPA" means the Real Estate Settlement Proœdurp.,> Act (t2 U.S.c. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Pæ1 3500), a..') they might be amended from time to time, or any additional 01' successor legislation 01' regulation that govel'llS the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does nol. qualifY as a "federally related mortgage loan" under RESP A. (Q) "Suc:c:essor in Interest of Borrower" means any party that has taken Htle to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and Oi) lire perfol111ém.ce of BOITOwer's covellltllts and ¿Igtœuænt.. under llús Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for l.ender and tender's. suœessors and assigns) and to t.he st1f.cp~o¡sors. and as...igns of MERS, with power of sale, the following described properly located In Ihe COUNTY of [Type of Recording Jurlsdiction SEE EXHIBIT "A" ATTACHED HERETO LINCOLN [Name of Recording Jurisdiction] AND MADB A PART HEREOF. Parcel ill Number: 3218303 0203300 which currently has the address of 232 EAST 2ND AVENUE, AFTON [Skeel/City) Wyoming 8311 0 [Zip Code) ("Property Addrp.ss"): TOGETHER WITH all t.he improvements now 01' hereafter erected on the property, and all easements, appurtenances, and flxtures {lOW or læreélfter ¿/ p81t of dæ pmlæ¡>/Jl. All re¡11a.cellrellts and additions sllal1 also be covered by this Security Instntment. All of the foregoing is referred to in this Security Instrument as the M Mortgage-WY 200BA-WY (OB/07) Page 2 of 10 Form 3051 1/01 000650 DOC ID #: 00019071564303008 "Property." Borrower understands and agrees 111at MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary 1.0 comply with law or custom, MERS (as nonünee for Lender and LendeJ"s SllCC.e5SOJS and assJgJ)s) has the ¡Jght: to exCl'd.'>P. any OJ' aJJ of tJJOse JnteresJs. including. but not limited to. the right to foreclose and sell the Properly; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument BORROWER COVENANTS that Borrower is lawfuUy seised of Ihe estate hereby conveyed and has the right to mortgage, grant and convey ¡he Property and that the Properly 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-unifonn covenants with limited varial.ions by jurisdiction 10 conslltuJe a uniform securily instrument covering real property. UNIFORM COVENANTS. Borrower and Lender tovenant. and agree as follows: 1. Payment of Principal, Interest, Escrow Items. Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. B01'1'OW(~r shall also pay funds for Escrow Items pursuant to Secl10n 3. Payments due under Che Note and tills Security Ins/rument shall be made in U.S. currency. However, if any check or other insITument received hy Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, l.ender may rcc/uice that any or all subsequent payments due under the Note and this Security Instmment be made in one or more of the following forms. as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. PaymenL<¡ a.te deemed t'eCelllffl by Lender whtY¡ received at. /he loca.t.ion designated in dæ Note 01' at such other location a') may be designated by Lender in accorcJance with the noUce provisions in Section 15. Lender may relurn any payment or parUal paymenl, f the payment 01' partial payments are insufficient to bring Ihe Loan current. Lender may accept any payment Of partial payment. insuffkient to bring the Loan current, without waiver of any rights hereunder 01' prejudice to its rights to rcfuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the lime such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then l..tmder neecl not pay interest on unapplied funds. Lender may hold such unapplJed funds unDJ BOJmweJ' maJœs payment to brJng tJw Lo..w cw)'cnt. If Borrower does not do so within a reasonable period of time, Lender shan either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied 1.0 the outstanding principal balant:e lfider the Note immediately prior to foreclosure. No off....et or claim which Borrower might have now or in the fulure against Lender shall relieve Borrower from making payments tlue under the Note antI this Secl1l'ity Instmment 01' perfomling the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Prot'Ccds. Except as otherwise døscl'ihed in this Section 2, all payments accepted and applied by Lender shall ht~ allpHed in the following order of pliorily: (a) interest due under the Note; (b) principal due under the Note; (c) amounlo¡ due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due, Any remaining amounts shall be applied first to late charges, second to any othc>..r amounts due under Ihls Security Instrument, and Ihen to reduce the principal balance of the Note. If Lender receives a payment from Borrowcr for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied t.o the de1inquent payment and the tate charge. If more than one Periodic Payment is oUlstandJng, 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 fun. To the extent that any excess exists after the payment is applied 1.0 the fuH payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be appUed 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 tbe Periodic Payments. 3. Funds for Escrow Items. B01Towel' shalt pay to Lender on the day Periodic Payments are due under the Note, until Che Note is paid jn full, a sum (Che "J·ùnds") to provide fOl' payment of amounts due for: (aJ taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold paymenls or ground renL.. 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 1.0 Lender in lieu of t.he payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any lime during the term of the Loan. Lender may require that COlUllIunity Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and as''òCssmen,ls shall Ire ao Escrow Item. BOl'l'owcr 5J1811 promptly furnish to Lender all notices of amounts to be paid under Ihls SecHon. Borrowershall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation 10 pay the Funds for any or all Escrow Item.... Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Item.. at any time. Any such waiver may only be in writing. In tbe event of such waiver, Borrower shall pay directly, when arid where payable, the amounts due for any F.<¡crow Items for which payment of Funds has been waived by Lender and. if Lender requires. shall furnish 1.0 Lender l'eœlpls evldendng such payment within such time pel'iod as Lender may require. BOJTowels obJJgatJon to maJœ sudJ paymenJs and t.o pJ'OvJdc receipts sJJaJJ foJ' aJJ purposes be deenJed to be a covenant and agreement contained in this SecurHy Instrument, as the phrase "covenant and agreement" is M Mortgage·WY 2006A·WY (06/07) Page 3 ofl 0 Form 3051 1/01 û00651 DOC 1D #: 00019071564303008 used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower falls to pay the amount due for an Escrow Hem, Lender may exercL"e it" rights under Section 9 and pay such amount and BOJToweJ' shall then be obJJgated under Section 9 to repay to Lender any sudJ amount Lender may revoke the waiver as to any or aU Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay 1.0 Lender aU Funds, and III such amounts, that are then required under this Section 3. Lender may, at any time, coHect and hold Funds 1n an amount (a) suffIcient to permit Lender to apply the Funds at the time specified under RESP A, and (b) not to exceed the maximum ,amount a lender can require under RESP A. 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 institutlon whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an in..c¡tltution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay 111e Escrow Items no later than the time specified under RESPA. Lendel' shall nol charge Bmrower for hold.'\ng ;\mtapplying th~ l'umls, annually analyzing the escrow account, or verifying the Escl'Ow Items, unless Lender pays BOlTower interest on the Funds and Applicable Law permits Lender to make such a charge. Unlt)ss an agreement. Is made in writing 01' Applir.able 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 shaJl be paid on the Funds. Lender shall give to Borrower, without cbarge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in !'~'ìc:rc)w. as defined und{'.f RESPA, Lender shall a.ccount to Borrower for the excess funds in aœordance with RESP A.. If there is a shOdage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, 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 Funcls held in escrow, as defined under RESPA., Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary (0 make up the deficiency in accordance with RESP A, but in no more than 12 monthly payments. Upon payment in full of all surns secured by this Security Instrument, Lender shaU promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, asscs.c¡ments, 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 Du(>~", F{)es, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay Útem 111 tlie Ul8.1IflCI' flt'OvJded in Section 3. Borrower shall promptly discharge any lien which has priorily over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the ob1fgation scCtlred by the lien in a manner acceptable to Lender, but only so long as Borrower is perfomltng sllch agreement; (b) contest.s 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 pmceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory t.o Lender subordinating the lien to this Security Instrument. If Lende¡' determines that any part of the Pmperty is su1?Jerj to a Jjen which r..an aUaJn prjorjty over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or ta.ke one or more of the actions set forth above in this Section 4. Lender may require Borl'Ower ,O pay a one-time charge for a œa1 estate tax verification and/or reporting service used by Lender in connectlon with this Loan. 5. Property Insurance. Borrower shaH keep the Improvements now existing or hereafter erected on the Property insured against Joss 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 maint.ained in the amounts (including deductible levels) and for the periods that Lender req uires. What Lender requires pursuant to the preceding sentenc!'~,> can change during the term of the Loan. The insurance carrier providing th£: insurance shan be chosen by Bmrower subjet.:t to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borl'Ower to pay, in connection with this Loan, cUher: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and cerUfic.atlon services and subsequent charges each time remappings 01' similm' changes occur which reasonably might affect such determination or certification. Borrower shan also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flooù zone det.ermination resulting from an objection by Borrower. If Borrower falls to maintain any of the coverages desclibed above, Lender may obtain insumnce coverage, at Lender's option and Borrower's expense. Lender is under no obligaUon to purchase any particular type or amount of coverage, Therefore, such coverage shaH cover Lender, but nùght. or might not pl'Otect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or JíabíUty and might provide greater or lesser coverage than was previously in effect Borrower acknowledges that the cost of the insurance coverage so obt.ained might sIgnHkantly exceed the cost of insurance that. Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shan become additional debt of Borrower secured by this Security Instrument. These amounl<; shall bear int.erest 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 hy Lender and renewals of su(;h policies shall be subject to Lender's right to disapprove such policies, shall include a sial/dai'd mortgage clause, lmd sllall name Lender as mOltgagee and/or as an additionallos.s payee. Lender shall have the right to hold the polJdes and renewal certificates. If Lender M Mortgage-WY 200GA-WY (06(07) Pa~ 4 or 10 fQfm 3051 1101 000652 DOC ID #: 00019071564303008 requires, Borrower shall promptly give to Lender a11 receipts of paid premIulIls and renewal notices. If Borrower obtains any form of Insurance coverage, not otherwIse requIred by Lender, for damage to, or destruction of, the Property. suclJ poJJcy shalJ mclude a standm'd mortgage clause éJIJd sllaJJ JJaIIJe Lender as mortgagee andJOJ' as an additional loss payee. In the event of loss. Borrower shaJJ give prompt notice to tile insurance carrier and Lender. Lender may make proof of Joss if not made prompHy by Borrower. Unless Lender and Borrower ot,herwi..e agree in writing, any insurance proceeds, whether 01' not the umledying insurance was required by Lender, shan be applied to restoration or repair of the Pl'Operty, 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 light to hold such insurance proceeds until Lender has had an 0I)portunily 10 inspect such Properly to ensure the work has been completed to Lender's satisfaction, provided that such inspectJon 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. Unless an agreement is made In writing or Applicab]e Law re<luires interest to be paid on such insurance proceeds, Lemler shall oot \}I:'; rt';\}uired to pa)' Bmrower any in\efl'!.>\ m t';armng5 00 such proceeds. Fees for public acljusters, 01' other Ulird parties, retained by Borrower shall not be paid out of the ifl,>urance 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, th<~ insurance proceeds shaH be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paId to Borrower. Such insurance proceeds shall be applied in the order provide<1 for in Seclion 2. If Borrower abandol1.'i the Property. Lender may file. negofJale and seuJe any available insurance claim and related matters. If Borrower do('s not respond within 30 days to a notice from Lcnder that the insurance carrier has offered to setile a claIm, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In eUher event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds In an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's right.,> (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. Oc:c:upant:y. 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 prlncipal resldence for at least ant? year after ale dale of occupancy, IW}e..Iì.'-; Lender otllelwise agrees in writing, which consent shan not be unrr-.asonably wHhheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Main(enance and Protection of tbe Property; Inspections. Borrower shall not destroy, damage or impair the Property, aHow !lie Property to deterlorat(~ 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 01' decreasing in value due t.o its (;onditlon. Unless it is determined pursuant to SeciJon 5 that repaJr OJ' restoratloJJ is nol er..onomJcaJJy feasibJe. B01'J'DWf~' shajJ 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 pror.eeds for such purposes. Lendr..f may disburse proceeds for the repairs and restoration in a sing1e payment or in a series of progress payments as the work is comp1eted. 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 01' 1'E'.storalion. Lender or its agent may make reasonable entrJes 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 inspecUon specifying such reasonable cause. 8. Borrower's Loan Application. Borrower sh~ùl be in default if, during the Loan application process, Borrower or any petSß1lS or eotiU\~;S aÜing at \b\~ Ùlfl>;l::tiuo of Bmrower m wifu Borrowet's knowledge or consent gave materially false, misleading, or inaccurate Infom1atlon or statement') to Lender (or failed to pl'Ovide Lender with material infO/matlon) in connection with the Loan. Material repl'csenta.tlons Include, but are not limited to, representations concerning Borrower's occupancy of Ille 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 amI agreemenls contained in this Security Instrument, (b) there is a legal proceeding that might significantly alIect Lender's inlen'_'it in the Properly and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, fOf condemnation (If forfeiture, fOf enforcement of a lien which may altaIn priority over this Security Instrument or to enforce laws Of regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable 01' appropriate to protect Lender's interest in the Property and right') under this Security Instrument, induding protecting and/or assessing the value of the Property, and securing and/or repairing fhe 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 atlorneys' fees to protect, it.. interest. in the Property and/or rights under this Security Instrument. including its sc<:urcd position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, enlering the Property 1.0 make repairs, change locks, replace or board up doors and windows, drain water from pipes, elimInate building 01' other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under Illis Section 9, Lender does not have to do so and is not under any duty 01' obligal1o( to d.o sa. It is a.greed that I.endcl'iflcul's 110 liahility for not laking any or all actions authorized under lIDS SecUon 9. M Mortgage-WY 2006A-WY (06J07) P\1~ 5 o¡}{ Î{) fmm 3051 1/01 û00653 DOC ID #: 00019071564303008 Any amounts disbw'Sed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sball be payable, willi SJJcb Jnlemst, upon notiœ froIJJ Lender to Borrower requesting payment If this Security Instrument is on a leasehold, Borrower shall comply with aJl the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shan not merge unless Lender agrees to the merger in wriUng, 10. Mortgage Insurance. ]f l"ender require(1 MOI'tgage lnsurance 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 availa.ble from the mortgage insurer that previously provided such insurance and Borrower was requi 'ed 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. substMtially 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 \:uverage is not available, Boftower shall continue to pay to Lender the amount of the separately designated payments that were due when the Insurance coverage ceased to be in effect. Lender will accept, use and ret.ain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall he non-refundable, no/withstanding the fact that the Loan is ultimately paid in fuJI, and Lender shan not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss rf'serve 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 requirE's separately de.<;lgnated paymenl" toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of maldng the Loan and Borrower was required to make separately designated payments toward the prenûums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, 01' to pmvide a non-refundable loss re.c¡erve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such terminallon or until t.emùnatlon is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation t.o pa)' intcrest at. the rate provided in the Note. Mortgage Insurance reimbursf'~" Lender (or any entity thaI purchast's the Not.e) for certain losses it may incur if Borrower does not repay the Loan as agreed. Bon'ower is nota party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force f\'Om time to time, and may enter into agreements with other parfles t.hat share 01' modify their risk, or reduce losses. These agreements are on terms and conditions that are saUsfact01'jl to die mOltgage insurer an.d tilt! other party (or parties) to these agreements. These agreements may requJre the morlgagelnsurer t.o 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 01' indirectly) amounts that derive from (or might be characterized as) a 1>0I110n of Borrower's payments for M0l1gage Insurance, in exchange for sharing or modJfyJng the mortgage JrJSw'e.r's JisJ" OJ' mducJJJg lo,sse.s. If sudJ agreement pmyJdes that an affmaie 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. witl not atJed the amount'!: tbat Borrower ha, agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreemcnts will not increase thc amount Borrower will owe for Mortgage Insut·aJlce. and they will not entitle Borrower to any refund. (b) Any such agreements will not affect thc rights Borrower has - if any - with respect to the Mortgage Insurauce uudea' the Homeowuet's PI'Otection Ad of 1998 01' 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. ADignment of M.isœUanœus ProeMs; Forfeituft. AU Mìsœl1aneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, sl1ch MiscelIatl(~()us 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 Mjscellaneol1s Proceeds until Lender has had an opportunity /0 inspect such Properly to ensure the work has been completed to Lender's satisfaction, provided that such inspection shaH be unclertalœo promptly. Lender may pay for the repairs. and restoration in a single disbursement or in a sedes of µrogre.'>S payment.. as the work is completed. Unle....s 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 01' earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible 01' Lt~nder's securit.y would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by f.b1s Security Instrumenf, whether or not tben 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. clt'n,,'rucllon, Of loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Se<:urily Instrument, whether or nollhen due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Pmperty in which the fair market value of the Property immediately before tlte partial taking, destruction, or 10s.<; in value is equal to or greater than the amount of the sums secured by tids SeCllrit}' Instl'llnwnt immediately befom the partial taking, destruction, or loss in value, unres... Borrower and Lender otherwise agree in wrJHng, the sums secured by this Security M Mortgage-WY 2006A-WY (06/07} Pa~ G 0\ iO Form 30511101 000654 DOC ID #: 00019071564303008 Instrument shall be reduced by the amount of the Miscellaneous Proceeds multip11ed 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) tIle faJf market value Df tIle j}roperty immediately before tIle paJ'IJallaldog, Llestruction, or Joss in value. Any balance shaH 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, dt'$trur.t1on, or Joss in value is les.~ than the amount of the sums secured immediately before the parUaI taKing, dcslructìon, or los... in value, utùess Borrower and Lender otherwise agree in writing, the MisceUaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. H the Properly is abandoned by Borrower, () ' if, aft(~r notlee by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers 10 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 coUect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to \he. sums secured by this Security Instrument, whether or not then {lue. "Opposing Par':)'" mea.ns the third part)' ihat owes Bonower Miscellaneous Proceeds 01' the patty against whom Borrower has a right. of action in regard t.o Miscellaneous Pl'Oceeds. Borrower shall be in default if any action or proceeding, whether civll or crIminal, is begun that, in Lender's judgment, could result in forfeiture of tIle Property or other materlal 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 SecHon 19, by causing the action or proceeding to be dismis.<œd with a ruling that, in Lender's judgment, preclude..~ forfeiture of t.he 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 rest.oration or repair of t,he Property shall be applied in tbe order provided for in Section Z. 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 graot,ed by Lender 10 Borrower or any Successor in Interest of Borrower shall nol, operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence pl'Oceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or othmwise 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 Leader in exercising any right (/1' remedy including, without limitation, Lender's acceptance of paymentc¡ from third persons, cnUl.ics or Successors in Interest of Borrower or in amounts less than the amount then due, shalJ not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Su.ccessors 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 Secutity Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the tenus of this Security Instrument; (b) js not peJ'sonaJJy obligated to pay tJJC SUIJl'> secUJ'cd by this S ~ctJJ:ify Insu'unJenf; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear 01' make any accommodations witb regard to the tenus of this Security Instrument. or the Note without the co-signer's consent. Subject 10 the provisions of Section 18, any Successor in Intert'~c¡t of Borrower who assumes Borrower's obligations under this Security Instrument. in wriling, amI is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not, he released from Borrower's obligations and liability under tlùs Security Instrument unless Lender agrees to stich release in writing. The covenants and agreements of this Security Instrument shall hind (exœpt as J}l'Ovided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fee.c¡ 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 Insuument, including, but not limit~l to, a\\ome)'s' fæs, pmp6i)' inspe;Ction and valuation fees. In regard to any other fee.'ì, the absence of expl'es... authority In this Security Instrument to charge a specific fee to BOITower 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 01' by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finalJy interpreted so that the interest or other Joan charges collected or to he collect.ed in connectlon with the Loan exceed the pemûtted limits, then: (a) any such loan charge shall be reduced by the amount neœssary to reduce the charge to the permitted limit; and (b) any sums alre..a.dy collecled from Bormwer which exceeded permitted. limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment. charge (whether or not a prepayment charge Is provided for under the Note). Borrower's acceptance of any sucli refWld made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arJsing out of such overcharge. 15. Notices.. All notices given by Borrower or Lendt'.f in COnnf!cfJon with this Security Instrument must be in writing. Any nolke to Borrower in connecUon 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 BOITower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The noUce address shall be the Property Address unless Borrower has designated a substitute aoûce address by natice In Leader. Barrower ~,.ball J1rampl1y notify Lender of Borrower's change of address. If Lender specifies a procedure for reporUng Borrower's change of address, then Borrower shall only M Mortgage-WY 2006A.-WY (06107) P....g~ '1 ~I 1Q Form 3051 1101 000655 DOC ID #: 00019071564303008 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 shaH be given by delivering it or by mailing it by first class majJ to Lender's address slated berejn unJess Lender bas desjgnaled another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by'Lender. If any notice required by iliis Security Instrument is also required under Applicable Law, the Applicable Law requirement wiU satisry the COITf'sponding requirement under this Security Instrument 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the Jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are sul?J(~ct 1.0 an"y re(ju.lrements and limitation..,> of Applicable Law. Applicable Law might explicitly or implicitly allow Ihe parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by conlract In the event that any provision or clause of this Security Instrument or t.he Note conflicts with Applicable Law, such couillet sball not affect other provisions of this Security Instl'Uffilmt or the Note which can be given effect wllhout 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 obUgation 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 Benefir.iallnterest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in I,he Property, including. but not limited to, those beneficial interests transferred in a bond for d(~ed, contract. lor deed, inst.allment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Int.erest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial inter(>~c¡t in Borrower Is sold or transfel1~d) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by Úlls Security Instrument However, this option shall not be exercised by Lender if such exercise is prohlbited by Applkahle Law. If Lender exercises this. opUon, Lend!'!r shall give Borrower nolke of aCf.eJeration, The notice shall provide a period of not less than 30 days ffOm the dat.e !he noUce is hriven in accordance with Section 15 wiiliin which Borrower must pay all sums secured by thls Security Inst.rument. If Borrower fails to pay these sums prior to !he expiration of this period, Lender may invoke any remedies pCl1nit.ted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After A(''CeleraUon. If ßmwweI' meets ccrtain cond1t1ons. BOITOwer shall have the right to have enforcement of tbis Security Instrument discontinued at any time prior to the earliest of: (a) five days befo1'e sale of the Property pursuant to any power of sale contained in iliis Security Instrument; (b) such other period as Applicable Law might specify for the tem1ination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Secw'ity Instrument Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Sc(:urlly Instrument and t.he Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays alJexpenses incurred in enforcing this Security Instrument, including, but not ]JmJted to. reasonabJe .attorney...· fee.'), property inspection and valuation fees, and other fees incurred for the pmpose of protecting Lender's interest in the Property and rights under this Security Instrument.; and (d) takes such action as Lemler may reasonably require 1.0 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, shaD conlioue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one 01' more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check {)(' cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federa.lagenc"y, instrumentali~y or enti1y; or (cO Electronic Funds Transfer. Upon reinstatement by Borrower, this Securily Instrument. and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shan not apply in !he case of acceleration under Section 18.. ZOo Sale of Note; Change of Loan Servim; Notice of Gde'\laDce. The Note or a partial interest in the Note (together with this Security Inst.rument) <:an he sold one 01' 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 l.Iùs Security IllstlUment and perf0I111S other mortgage 10an servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other in[ormation RESP A requires in connection with a notice of transfer of servicing. If !he Note is sold and thereafter the Loan is serviced by a Loan ServiceI' other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan' Servicer 01' be transferred to a successor Loan ServiceI' 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 1.0 any judicial action (as either an individual litigant or !he member of a class) that arises from the other party's actions pursuant to this Security Instrument or lhat alJeges iliat the olher party has brea(:ht.~d any provision of, or any dUly owed by reason of, this Security Instrument, until such Borrower 01' Lender has notified the other party (with such notice given in compliance with the requirements of Section i5) of such aHeged breach and afforded the other party hereto a reasonable period after t.he giving of such notice to talœ corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period wi1l 00 deemed to be reasonable for purposes of this paragraph. The notke of acceleration and opportunHy to cure given to Borrower pursuant to M Mortgage-WY 2006A-WY (06107) Page ß 01' 10 Form 3051 1t01 û00656 DOC ID #: 00019071564303008 Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used jn tllls 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 flanunable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fonnaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of thejurisdlctlon 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, djsposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on OJ' 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 Condilion, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). , Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulat.OlY agency or private party involving the Property and any Hazardous Substance or Envi.ronmental 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, 01' is notified by any governmental or regulatory authority, or any private party, tilat any removal or other remediafion of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herem shall create any obJigalion 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 pdOl' to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not pdor to acceleration under Section 18 unJess App]jc.abJe Law provides otberwhe). The notJce .shaD speclfy; (a) the defau1t; (b) the action required to cure the default; (c) a date, not less thaD 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 Secwity Iostnuoent and sale of the Property. The notice shall fu!'the.' inform Borrower of therlght to reinstate after acceleration and the right to bring a court action to assel1 the non-existence of a default or any other defense of Borrower to acceleration and sale, If the default to¡ not cured on or before the date specified in the notice, Lender at its option may require inunediate payment in full of aU SlUDS secured by this Security Instrument without further demand and may invoke, the power of sale and any other remedies permitted by Applicable Law. Lender shaU he entitled to. collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but 110t Umited to, rea50nable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, I,euder shaD give noûce of intent to foreclose to Borrower and to the person in possession of the Property, if different, in a(:.:ordanœ with Applicable Law. Lender shall give notice of the sale to Borrower in the manncr provided in Section 15. Lender sball publish the notice of sale, and the Property shall be sold· in the manner prescdhed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall he applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (h) to all sums secured by this Security Instrument; and. (c) any CX:CI'.ss to the person or persons 1ega.11y entitled to it. 23. Release. Upon payment of all sums secured by this Security Instmment, Lender shall release this Security Instmment. 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 AppJicab.le Law. M Mortgage-WY 2006A-WY (06/07) Page 9 of 10 Form 30511/01 û00657 DOC ID #: 00019071564303008 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. 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. æIi~~--- ~BER A. THOMAS (Seal) -Borrower "La i¡ ! \ , "..,/1' (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower STATE OF WYOMING, The foregoing instrument~ wjls acknowledged before me this ò1 ~ (;h., 01 b'..LJ by CA t9V.-.e/l,f A, ~l.+'-:7-;?1AC<..-Ù ,iûæ tJ, "/7/ c ;;;é/~?~ County ss: &J.. WILl..La.l"" ê'J. (.')0 ~' My Commission Expires: (1¿¿p4f 13, 2Ø 1(:) /"--) (~ ,!h-¿/U-<Jb /~ ~~v¡-. ~ Public ,- JANICE K. EARHART ' County of Lincoln NOTARY PUBLIC State of Wyoming My Commission Expires August 13, 2010 M Mortgage-WY 2006A-WY (06/07) Page 10 of 10 Form 3051 1/01 Exhibit "A" 000658 Legal Description All that certain parcel of land situated in the County of Lincoln, State of Wyoming, bounded and described as follows: Commencing at a point which is 7 rods East of the Northwest Corner of Lot 2, Block 10, in the Town of Afton Survey and running thence East 8 rods; thence South 10 rods; thence East 5 rods; thence South 10 rods; thence West 8 rods; thence North 230 feet; thence West 5 rods; thence North 100 fået to the point of beginning. Excepting therefrom a parcel of land in Lot 2, Block 10, Afton Townsite bounded and described as follows: Beginning at a point which is located 82.5 feet North 87°30' West of the North Block Corner (New Survey 1971) of Block 10 of the original Afton Townsite; thence 165.0 feet South 2°37' West; thence 11.10 feet North 8]030' West; thence 165.15 feet North 4°48' East; thence 4.15 feet South 8]030' East to the point of-beginning. Tax 10: -; :21 ð 3D3 O.J.O) :Jod 1609778 - 1 Page 4 of 13