HomeMy WebLinkAbout938160
Aner ,Rec(.rding Return To;
Converse County Bank
PO Box 689 32,2 Walnut
Douglas, Wyoming 82633
I'
000556
(Space Above This Line For Recording Dala]
ú00659
Loan Number: 7336993
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MORTGAGE
'FHÃëAàE'No:'"
591-1027632
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THIS MORTGMJE ("Security Instrument") is given on
The mortgagor is William Ben St. John and
Tenants with Rights of Survivorship,
Barge, Wyoming 83123
MARCH 26, 2008
peggy Jo St. John, Joint
1112 West Hwy 235, Le
("Borrower"), This Security Instrument is givenlO
Converse County Bank,
which is organizeu and existing under tho (aws of WYOMING
PO Box 689 322 Walnut, Douglas, Wyoming 82633
. and whose address is
("Lender"). Borruwer owes Lender the principnl sum of
EIGHTY-SIX THOUSAND SIX HUNDRED FORTY AND 00/100
Dollars (U.S. $86, 640 . 00 ). This uebl isevidenccd by 'Uorrower' s note dUledthc sume dute as' this
Security Instrument ("Note"), whi,ch pl'l>vides I'Ör m"l1lhl)' pnyn\cnts. with the full dubt, If not paid earlier. due and
payable nn APRIL 1,2038 , This Security Instrumentsecurcs 10 l.ender: (n) the repnyment
oflhcdebt evidenced by lhe Note. with interest, and all renewals, extensions and modificatjons of the Nòte: Ib) the
paymenl (If all otnet sums. with interest, advanced under par;'grupb 7 to proteet the security of this Security
Instrument: and (e) the perforl11anc~ of Borrower's eovenants (md agreements undel'this Security Instl'llment and the
Nole, ¡: or this purpose, Borrower does hereby mongage, grant tlnd convey to Lender, with power of sale, the
following described property locatcd in LINCOLN County, Wyoming:
Lot Seven (7) of Block Three (3) of the West Valley Subdivision
to the Town of Labarge, Lincoln County, Wyoming as Described on
the Official Plat thereo·f Recorded June 30, 1981 as Map Number
268 and Document Number 560645 in the Office of the Clerk.,
Lincoln County, Wyoming.
WYOMING FHA MõRï'G'Ãi:;'E-
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RECEIVED 4/9/2008 at 4:41 PM
RECEIVING # 938160
BOOK: 691 PAGE: 659
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
*re-recorded to add Manufactured Home Affidavit of
Affixation
tJ&
PIS
W)1ntJ,ihn,,,ml
which has the addrèss (If
1112 WEST HWY 235
[Str~.tl
LA BARGE
ICilY]
83123
(Zip Code]
("Property Addl'ess"):
. Wyoming
TOGETHER WITH all the improvements now or hereafter erected on the pröperty, andaJl casements,
appurtenances, und fixtures now or hereafter a part of the property. AU replacements and Ildditions shall also be
covèred by thìs, Security In8trumenl. All oflhe foregoing is referred 10 in this Security Instrument as the" ProperlY,"
BORROWER COVENANTS that Borrower is law/uUy seised of the estate hereby conveyed and has the right
to mortgage" grant and convey the Property and. that the .Pn1perty is unencumbered, except for encumbrances of
record. Borrower wan'ants and will defend generally the title to the Property against all claims and demands, subject
to any encumbrances of record,
TIUS SECURITY INSTRUMENT cQlnbines unifonn covenants fornational use and n0l1-unifonn covenants with
limited variations by jurisdiction to cönstitute a unifonn sècurity instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Prlnclpal,lntel'C$t and Late Charge. Borrower shrill pay when due the principal of. and
interest on, the debt evidenced by the Noteundlate charges due under the NOle.
2, MonthlJPaymenl of Taxes, ~nSlll'lIiJCC, undOtlu,r ChurgèS,. Borrowcr shaH include in cueh inOitthlY
paymenr, tQgether With the principal and i¡tter¡:st as set fOrth in the Note and a.ny late charges, a5um for (a) raXes and
special assessmems levied or to be lev.it.>d against thePmperty, (b) lease.hoJd payments or grmllldrents on the
Property, and (c) premiums for insurance required under paragraph 4 ,In ¡III)' ycar În which the Lender must puy a
mortgage insurance premium to the Secretary of Housing and Urban Developmertt ("Secretary"), orin any year in
which such premium would havc heen required if Lender still held the Security Instrumcnt, eaéh,monthJy payment
shaH also incluùe either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary.
or (iì) a momhly charge instead 01' a mortgage insurance premiulII iflhis Security Instrument is held by the Secretary.
in a reasonable amount lObe determineù by the Secretary, Except for the monthly charge by the,Secretary, these items
arc ca.l1ed "Escrow hems" and the sums paid to Lender arc called "Escrow Funds,"
Lender may, at any time, collect and hold amounts For Escrow Items in an aggregate amoulll not to exceed the
maximum amount thaI' may be required for Borrower's escrow account under the Reá1 Estate Settlement Procedures
Act of 1974, 12 U,S,C, §2601 et seq, and implementing regulations, 24 CFR Part 3500, as they maybe amended
fmm time to time ("RESPA "), except that the cushion or reserve pennilted by RESPA for unanticipated disbursements
or disbursemenrsbefore the .Borrower's payments are avaj]able in the account may not be based on amounts due for
the mortgage' insmance premium,
If ¡he amounts held by Lcnder for Escrow Items exceed the amounts permitted to be held by RESPA, Lender
shallaccountto Borrower for the. excess funds lIS required byR ESP A. lIthe amounts ot'.flllJdsheldby Leijdet at allY
time are not sufticiellt to pay the Escrow Items when due, Lender may notify the .Borrower and,!'equire BorroWer to
make up the shortage as permitted by RESPA,
The E.~crow Funds are pledged as additional security for all sums secured by clÜs Security Instrument. If
Borrower tenders to Lender the full payment of all such sums, Bqtf()wer'sacc,o\lIlt sh;dl b~lÏl'ed.ìtedwith.thebàlance
remaining for all ìnstalhnent items (à), (b),aÌld (c) and any mortgage insurance premiünl instaUment that Lender has
notbecollle obligated to pay to the Secretary, and Lender shall promptly refund any excess funds. to Borrower.
Inunedlately prior to a foreclosure ,~ale of the Property or its acquis ilioJl by Lender, Borrower's account shall be
crcditcdwìthany balance remaining for all installment¡ for items (a), (b). and (C).
3" Application of Payments, An payments under paragraphs I and 2 shllll be upplied by Lender as foHows:
FIRST, to the mortgage insurance premium to \)e paid by Lender to the Secretary or to thc'monthly charge by
the Secretary instead of ¡he monthly mortgage insurance premium;
,SECOND, to any taxes, special assessments, leasehold p¡¡yments or ground rents, and fire. Hood and other
hazard insurance premiums, ,as required;
THIRD. to interest due under thc Note;
FOURTH, to amortization of the principal oj' the Note: and
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FIFTH, to late charges dueundcr the Note,
4. ~·ire. :Flood and Other Hazard Insurance. Borrower shall insure all improvements on (he ,Properly,
whether now in existence or subsequently erec.ted, against any hal.1\rds, caswdties, andcomingencles, including lire,
'for which Lender requires insurance. This insurance ghall be maintained in the amounts and for ,the 'Periods that ú0066~
Lender requires, Bl1rrower shull also insure all improvements on the Property, whether now in existence or
subsequenUy erected. against loss by floods to the extem requi red by the Secretary. A \I insurance shal I be carried with
companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include
loss payable clauses in favor of. and in a form acceptable to. Lender,
In the evenl of loss. Borrower shaH givc Lender immediate notice by tüail, Lender may make proof of loss if
not made promptly by Borrower. Each insurance company cQncerned is hereby autlmrized anti directed to make
payment for such IÖss directly to Lencter. instead of to Borrower and 10 Lender jointly" AU or any part of the
insuranceptoceeds may be applied by Leader, at itsoptioa, eìther(a) to, .the reducÜon Qfthc jnlÌel:m~dness under Ihe
NotelUld.this Security Instrument, Jrst to any delinquentalllounts applied in the order in 'paragraph 3, and men to
p~epayment of principal, or (b) 10 the res.toration or repair of the damaged Property, ATlyaplJlicatìoll of lhe proceeds
to the principal shull not extend or postpone the due date of the monthly payments which arc referred 10 in
paragraph 2.01' change the amount Qf sl!ch payments. Any excess insurance proceeds over an ¡¡mount required,to pay
all outsnmding indebtedness lmder the Note and this Security InstmmeIII shall be paid to OJe entity legally entitled
thereto.
hI the event of foreclosure of this Securityl11Strumentor Other transfer of ti.tlew the Prtlpetty that extinguishes
the indebtedness, all right, tiHe and interest Qf Borrower in audto. insurance policies in (orce shull pass to the
purchaser.
5. Occupancy, l'reservntion, Muintennnœ/lnd Protection of the Property; Burrower's Loan Application;
Leaseholds. BorrQwer shall.occl1PY, establish, antll1se the Property as Borrower's principal residence within sixty
days after the execution of this Security Instmmem (or wlthin sixty days of a later sale or transfer of the Property)
and shall conti.nue to OCCllPY the Property as Borrower's principal resilience for at least one year aftcr the date of
occupancy, unless Lenper determines that requirement wiJI cause'unduohardshipfor BOlTower, or unless extenuating
circumsmnces exist which are beyond Borrower's control. Borrower shall nOtify Lender of any extenumi,ng
circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow
the PropCtty to deteriorate, reasonable wear and tear excepted, Lender may inspect the, Property if the Property is
vacant or abandoned or the loan is in default. Lender may take reasonabJe action 10 pròtectand preserve such vacant
or abandoned Property, ßon:owershall also be in default if Borrower, during the loan application process, gave
malerially false or inaccurate infornmtion or statemcnls 111 Lender (or failed to provide Lender with .000Y material
information) in connection wilh the loan evidenced by the Note, including., but not limited to, repTesentations
conceming Borrower's occupancy of the Proper!yas a principal residence, If this Security Instrument is on a
leasehold, Borrower shall comply with the provisions of the lease, If Borrower acquires fee title to the Property, the
leasehold and fee title shall not be mergetl, uhless Lender agrees to ¡he merger in writing.
6. CondenmatiQn, The proceeds of any award or claim for, damages, direct orconsequenrial, in connection
with any condemnation or other lakh1g of any part of the Pmperty, or lot conveyance in place of condemnation, are
hereby assigned and shall be paid to Lentler to the extent of the full;amnunt of the indebtedness that remains unpaid
under the Note and this Security Instrument. Lender shall apply suchpmceeds to the reduction of the indebtcdness
under the Note and this Security Instmment, first to any delinquent amounts applied in the order provided in
paragraph J, and then to prepayment of princìpaJ. Any application of the pI:occcds to the principal shall not cxtend
or postpone the due date \)f the monthly payments, which arc relèrretl tl1 in paragraph 2, or change the amount of such
payments. AllY e.xcess proceeds over an amount required to pay all outstanding indebtedness under Ihe Note and this,
Sec.urity Instrument shall be paid to the emity legally emitled therelO,
7. ChargC'i to Borrower and }'rotectioll of "ènder's Rights III the PtopCl1)~. Borrowcr shall pay all
governmental or muniçipal charges, tines and impositions that are not incl'udedin paragraph 2. Borrower shall pay
thescobligntions on time directly to the entity which is owed thc paymcnt, If failure tQpay would adversely affect
Lender's interest 'in the Property. upon Lender's request Borrower shall promptly fumish to Lender receipts
evidencing these payments.
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If Borrower fails to ITIakethese payments or thepuyments,requiredby pam¡¡raph 2, or [¡ùb,to perform ¡my,other
covenantsandagreemelitscontainedìn this ,Security Instrument, adhere is a legal proeeedingthatmaysignifiC1UltJy
affect Lendct'srìghts in thePropcrry (such asa proceedìng,Ìnbankruptty, fötcondcffinatÌon or tb cnforceJawsor
regulalÏons),thell Leh<!er may do and pay whatever is necessary to protect the value,öf the prQP~rty arul Lender'$
rights in the ,Property, inCluding paymeht ()f taXes, hazatdiiJsürance an,d other henw Iiiefitìohed in þáragtllph,2.
Any amounts disbursed by Lender under this parugraph shall becQlne an additional debt oJ 80rwwer ,and be
secured by this Security Instrument. These amounts shan beur interest fromthe datc of disbursement at the Note rate,
and at the option of Lender shall be jmmediatelydue and payable, -
BorrowershaU promptly discharge any lien which has priority over this Security Instl1lment unless Bon:ower:
(a) agrees il} writing-to Ihe paymcnt of the obligation secured by the litm in a mmU1er acceptable to Lemler; (b) contests
il} good faith the lien by, or defends against enforcement of the lien in. legal proceedings which in the Lender's
opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement
s¡ltisfactory to Lender subordinatil1g the lien to this Security Instrument. If Lemler detem1il1es that any part of the
Properly is subject to a lien which may attain prinrìty over this Security Instl1lment, Lender may give Borrower a
notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within
10 days of the giving of notice,
8. Fees. Lender may collect fees ¡lnd charges alllhoril,ed by the Secretary.
9. Grounds for Acceleration of Debt,
(a) Default. Lender may, except ¡tS limited by regulations issued by the Secretary 'in the Case of payment
defaults. require immediate payment in full of all sums secured by this Security Instrument if:
(í) Borrower defauJts by failing to pay in full any monthly payment required by this Security
Instrument prior t,o or on.the due date of the nex.l monthly payment, or
(ii) Borrower defaults by failing" for a period of thirty days, to perform ¡my otherobHgmions
contained in this Security Instrument.
(b) Snle Without Credit Approval. Lender shall, if peunitted by applicable law (ine! uding section 341 (d¡ of
the Gam-St. Gennain Deposito!)' InstitutÎlllJS Act of 1982, 12 U,S.(:, 170Ij-3@) ,md with the prior approval
of the Secretary, require inuncdiatc paymellt in ftúl of al15\1ms secured by this Secu\Ìty Instl1lment if:
Ii) All or part of the ['rtJperty, or a beneticiaJ intereSI in a tnlst owtling all. or part of the Property.
is sold or otherwise transfel'Ted (othcr than hy devise or dcscent). and
(ii) The Properly is ¡lot occupied by the purchaser or grantee as his or her principal residence, or the
purchaser or grantee does so occupy the Ptopert)', but his or her credit has not been approved in
accordance with the requirements of the Secretary,
(c) No Waiver. If circumstances occur that would permit Lender to require immediate payment ill full,
but Lender does not require such payments, Lender does not waive its rights with respect to subsequent
events,
(d) Regulations ofHUD Secretar)', In many circumstanccs regulations iS511cd by thc SeCrehlI)' will1iirJit
Lender's rights, in the case of payment defaults. t() require immediate payment ih fun and foreclose if not
pa id. This Security Instrument does not authorize acceleration or forec.los\. re if hot permitted by regulations
of the Secretary.
(e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not
detcnnincd to be eJlgible for insurance un<!erthc National Housil1g Act within 60 DAYS
from the d.ate hereof, Lender may, at its option -require immediate payment În full of a.ll sums secured by
this Security Instl1lment, A wriUen statement oLany authorized agent of the Secretary dated subsequel}t to
6 0 DAYS from the date hereof. deqlining to' insure this Security Instrument
and the Note, shall be deemed conclusive proof of slIch ineIigibiHty, Notwithstanding the f( r~going. this
option1l1ay not be exercised by Lender whetl the unavailabilityofinsurance is solely due to Lender's failure
to remit a mortgage, insurance premium to the Secretary, '
HI. Reinstatement. Borrower has a right to be reinstated if Lender lias required immediate payment in full
becausc of Borrower's failure to pay al} all10Ul1t due under the Note or this Security Instt'llItlent. This right applies
even after foreclosure proceedings are instituted, To rcinstate the Security Instrumcm, Borrower shall tender in a
lump sum aU amoulJls required (0 bring Borrower's accoum current including, to theex.tent they arc obligations of
WYOMING"FHA MÙÅTGAGE
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Borrower under tlùs Security Instrument, foreclosure costs and reasonable ¡mdcustomury attorneys' fees. and expenses
properly nssocia¡ed with the foreclosure proceeding, Uponreinstatement by Borrower, this Security Instrument and
the, ohHg1îlioìlS that it secures ,sltàl1l:emaln in effect as if Lender had not required immediate payment in fulL
However, Lender is not re< uired, to' permit reinstatement if: (i) Lender has accepted reinstatement after the
commencement of foreclosure proceedings within two years immediately preceding the commencement of a current
foreclosure proecoding, (ii) reinstatement will preclude foreclosure on differctl! grounds in the future, or (iii)
reinstatement will adversely affect the priority of the lien createtl by this Security Instrument.
11. Borrower Not Released; Forbearance b)' Lender Not a Waiver. Elltensìon of the time of payment or
modiJication of amortization oCthe sums scoured by this Security Instrument granted by Lender to any successor in
intereM of Borrower shall not operate to relense the liability of the original Borrower or Borrower's successors in
interest, Lender shaH not be required to commence proceedings against any successor in imerest or refuse to extend
time for payment ,or otherwise modify amortiz.1lÌon of the sums secured by this. Security Instrument by reason of any
demand made by the ¡¡r¡¡¡inal Borrower or Borrower's snccessors in imerest. Any forbearance by Lender in exercising
any right or remedy shall not bea waiver of or preclude the eXercise of allY right or temedy,
12. Suc.cessors and AssignsUound; .lointandSl'Vcl·al LlnbilItr;Co-Signcrs. The cov.enants,am'l 'agreements
of this Securitylnstrumem sbalJ bind àJ1d benefit the successors and Msigns of Lender ,and I1orrower, subJect t() ¡he
provisions of paragraph 9(b), Borrower's eOVl'11amsand ugteclI1lllts shalt be joiut aild sêl'erid, Any Borrower who
co"signs this Secrurily Instrument but does not exeCUte'the Note: (a) is c(¡.Signin ¡ th.isSecurJty InstrumentonJyro
mortgage, grant and convey ¡hat Borrower's interest in the Property under the terms of this Security lnstttïment: ·(b)
is not persooally obligated to pay the Sllms secured by this Security Imtmment; and (c) agreßs thaI Lender and JIIIY
other Borrower may agree 'to extend, modify. forbear or make any accommodations with regnrd to Ihe terms of this
Security In,~trument or the Note without that Borrower's consent,
13. Notices. Any nuticc to Borrower provided for in this SeCtlriry Instrument shall be given by delivering it
or by mailing ilby tim class mail unJess appHcablc law requires use of another mcthod, The notice shall be directed
10 the Property Address or any other address Borrower designales by notice \0 Lender, Any nOlice to Lendcr shall
be given by first class mail to Lender's address stilted herein or any address Lendcr desigl\ates by notice to Bonower.
Any nmice provided liJr in this Security Instrumem shall be deemed to have been given to Borrower or Lender when
given as provided in this paragntph,
14. Governing Luw; Severability. This Security Instrument shall be govemed by federal law and the law of
the jurisdiction in which the Property is locared, In the event that any provision or olause of this Security Instrument
or the Note conlliets with applicable Jaw, such conflic! shall not affect orher prtlvisiol1S of this Security Instrument
or the Note which call be givcn effect withoullhe conflictܡg provision, To this end the provisions of tllis. Security
Instrument and, the Note are declared 10 be severable,
15. Borrower's Cop~'. Borrower shaJl be given one conformed copy of the Note and of this Security
Instrument.
16. Hazardous Substances.. Borrower shall not cause orþentlit the presence, use, disposal, storage. 01' release
of an)' Hazardous Substances on or in the Property, !3ort{lWer shall not do, nor allow anyone else to do, anything
affecting the Property that is in violation ofanyElwironmemal Law, The preceding twO sentences shaUnot apply
to the presencc, use. or storage on the Property of small quaínities of Hazardous Substanèes that are generally
reeog'n i zed to be appropriatc to normal residential uses and to maintenance of the P.roperty,
Borrower shall promplly give Lender wrirtcn notice of any investigation, claim, demartd, lawsuit or (¡¡her action
by anygovenlluental or regulatory agency or private party invólving the Propel1y and any Hazardous Substance or
Enl'ironmental Law of which Borrower has actual knowledge, Jf Borrower J eams, or is notitied by any governmental
or regulatory authority, that ,any removal or olher remediation of any Hazardous Substances affecting the Property
is necessary, Borrower shall promptly take all necessary remedial actions in accordance w.ith Environmental Law,
As used in this paragraph 16, "Hazardous Substances" are those substances denned a.~ toxic ot hazardous
substances by Environmental Law and the following substances: gaso1ille. kerosene, other tlanulIable or toxic
petroleum products. toxic peslicides ancl herbic.ìde8" volatiJe solvents, materials containing, a8bê.~tos or formaJdchyde,
and radio.active m¡¡terials, As used in Ùlispatagraph j 6, "BnvironmelltaJ L.aw" means federal laws ¡md laws of the
jurisdiction where the Property is located that relate to health, safely or environmental protection,h
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NON-UNIFORM COVENANTS. Borrower and Lender tùrther covenant and agree as follows:
17. As,~jgnnJentofReI:1ts. Borrower uncOJldltionally assigns and transfers to Lender all the rellts,¡md revenues
of the Property, Borrower authorizes Lender or Lender's agents to collect. the rents and reveIJues and hereby dìrects
each lenant of the Property to pay the rents to Lender or Lender's agents, However. prior to Lender's notice to
Borrower of Borrower's breach or any covenant or agreement inlhe Securit.y Instrument, Borrower shall collect and
receive all rents and revenues of Ihe Property as trustee [or the benefit of .Lender and BOl1'Ower. This assignment of
rents constitutes an absolule assignment ¡md not an assignment for addition.aJ security only.
[f Lender gives notice of breach 10 Borrower: (a) all rents received by Borrower shall be he[d, by Borrower as
trustee for bencfit, of Lender on}y, to be applied 10 the sums secured by the Security Instrument; (b) Lender shall be
entitled \Oconect !lnd receive !III oCthe rents of the f'roperty; and (c) each renamoflhe .Property shalllfay all rent5
due and unpa.id. to l.enderor Lender's agent on Lender's written demand to the tenant.
BOrrower hasnot'exc<.'Uted any prior assign.ment.ofthe rCllts and has not andwiU 110t per[onnany act that would
prevent Lender from exercising its rights under this paragraph 17,
Lender shall not be required to enter upon, take C\mrrol of Qr mainrain the Property before or after giving notice
of breach to Borrower. However, Lender or ajudicially appointed receiver may do so at any time there is a breach,
Any application of rents shall nöt cure or waive any default or invalidatl~ any other right or remedy of Lender. This
assignment o[ rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full.
18. ~·orcclos\lteProccd\lre. [I' Lender requires immediate payment in full under paragraph 9, Lender may
invoke the power of sale and any olher remedies pemJilted by applicable law. Lender shall be entitled to collect all
expenses incurred in pursuing the remcdiesprovided in this panlgraph 1,8, including,. but not limited to, reasonable
anorneys' fees and costs of tiUe evidence,
If Lende.r invokes the power of sale, Le,nder sball give notice of intent to foreclose to Borrower and to the person
in possession of ¡he Property, if different, in accord¡mce wilhapplicable law. Lender shall give notice of the sale to
BQffOWer in the manner provided in paragraph 13, Lender shall publish notÍl::e of sale, and the Property shall be sold
in the manner prescribed by applicable law, Lender or :itsdesigMc may purchase the Property' !\I any sale. The
proceeds of the sale shall beapp!Ícd in the following order: (a) to all expenses of the sale, including, bUFnQt limited
to. reasonableaUlJmeys' fees; (b) to aU sums sccuted by this Security II1Mrument; and (c) any e¡¡cess 10lhe person
or persons Jegally entitled to. it,
Iflhe Lender's interest in this Security InMrumel1tis held by the Secretary and thoSecretaryroqujresimmediate
payment in full under paragraph 9, the Secretary mày invoke the nOiJjudieial power of sale provided in the Single
FamHy Mort~age Foreclosure Aetl1[ 1994 ("Act") (12 D,S.C. 3751 e¡ sell,) by requesting a foredosure commissioner
designatcd under the Act to commence fQreclosure and tQ seU the Property as provided in the Act, Nothing in the
preceding sentence shall deprive the Secret.ary of any JighlS otherwise ¡wailable to a Lender umier this paragraph 18
or applicable law,
19. Release. Upon payment of all sums secured by this Security Instrument, Lender shaH release tbis Security
Instrument. Borrower shall pay any recordation costs, Lender may charge B('ffower a fee f(¡rreleasing this Security
Instrument. bUI only if the lee is paid to a third party for services rendered and the charging of the fee is pennitted
under applicable law,
20. Wah·ers. Borrower releases !lnd waives all rights undCr and by virtue ofUle homcstead exemption laws of
Wyoming,
21. Riden; to this SeC1irity Instrument. lfone or moredders arc e¡¡ecuted by Borrower and recordcll together
with Illis Security Instmmel1t, the CQvenants o[ each such rider shaU be incorporated into and shall amend and,
supplement the covenants and agreements of Illis Security Instrument as if the dder(s) were a part of this Security
Instrument.
[Check applicable [¡(Jx(es)],
UU()56j.
000664
[] Condominium Rider
o Planned Unit Development Rider
o Non-Owner Occupancy Rider
[] Graduated Payment Rider 0 Growing Equity Rider
o Adjustable Rate Rider [J Rehabilitation Loan Rider
rzl Other [SpecilYJ AFFIXATION AFFIDAVIT,
MANUFACTURED HOME RIDER, LIMITED
POWER OF ATTY RIDER
,...............--..--
WYOMING FHA MORWAGE'''
6196
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llY SlUNIN.v.I:U:,LUVY" .öorrower :~\ÇC.Cp~S--lU1U.it~ft;~:t·lU ,lUC.U;:UUõ)!\.-VJHØ1UÇU-'U v.0h"''''- _ ~LU_,",U.E-U.:\.' v-......u.... ,..-"....,....,,...,
JnSlfumcnt andio'any rider(s) execuledby Borrower and recorded with It.'
t0Æ~~~~_. (Seal)
WILLIAM BE ST~·C:Í3orrower
(Seal)
-Borrower
(Seal)
:ßorrower
Witness:
WYOMING FHA MORTGAGE
6196
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PEG~ S . JO N U -Borrower
..___..__"".. (Seal)
·Borrow~r
.._-,-,-----,-
(Seal)
-ßomlwer
Witness:
---~-,..
,----_.'--_.,
PAge 7 01 8
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__'H___"_'___'" ¡Spa co Below This, line For Acknowledgment!
Stale of Wyoming
) 55.
County of LINCOLN
'the foregoing instrument was acknowledged before me by
,!'!};~.!:o1.!.~!.'''-1?g:M.,_,$.!."".,qm,'¡N AND PEGGY JO S'r. JOHN
¡his 2.,L-::.. ""'" lÙlYO\:;/.H(~:t.c..h._...'2 00 ~
Witness my hand ¡¡nd official seal.
MARlSA HARTMANN NOTARY PUBUC
COUNTY OF . STATE OF
UNCOLN . WYOMING
MY COMMISSION EXI'IItES FEIRUM't 5, 2012
(Seal)
WYOMING Ff1Ä''MõFi1GAGE
6196
Wym.....Olv¡ml
v/kÍß1Mft¡;f~M'l -
, Notary Public
vAl (/(. r i ço" +kA.(+-m (C Jì 1:1...."......,
Prim or Type Name
My commission expires: J......::_~1::......,..........._
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000666
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Record ami Return 0 by Mail 0 by Pickup to:
CQn.v.e.x,se..., ÇQµn t y Bank
~,~-º~,§ª;J....;},~~,_,WªJn1J_1:;"_,,
P'QJJg1..ª-.s. wyoming__ª-4.2.l.L_
Loan Number: 7336993
MANUFACTURED HOME RIDER
TO SECURITY INSTRUMENT
This Rider is made this 26th day of MARCH, 2008 , and is incorporated into and
nmends nnd 'supplement¡; the Mortgage, Open-End MOl1gago. Deed of Tnlst, or Credit Line Deed of Trust.
Security Deed ("Security lustrument") of the same date given by the undersigned ("Borrower") to secure
Borrower's Note to Converse County Bank
(" Lender") of the same date ("Note") àI1d covering the Property described in the Security Instrument and
located at:
1112 WEST HvlY 235, LA BARGE, WYOMING 83123
[ProperlY Add'.."1
Borrower and Lender agree that the Security Instrument is amended and supplemented to read as follows;
1. Meuning 01' Some Words. As used in this Rider. the term "LOan Documents" means the Note, the
Security InstnJJ1lCnl and any Construction Loan Agreement. and the term "Pwperty," as that term is
defined ill the Security Instrument, includes the "ManllfactUred Horne" describèdin Panlgraph 3 of this
Rider. All teollS defined in the Note or the SecurÍly Instrument shall have the same l1\cal1iog in this
Rider.
Z. Put'pose and Effect {If Rider. IF '[1ŒRH IS ^ CONFLICT BETWEEN THE PROV ISIONS IN THIS
RIDER AND THOSE IN THE SECURITY INSTRUMENT, THE PROVISIONS IN THIS RIDER
SHALL CONTROl... nmCONFLlCTlNGPROVISIONS IN THE SECURITY INSTRUMENT WILL
BE ELIMINATED OR MODrFlED AS MUCH AS .IS NECESSARY TO MAKE ALL OF THE
CONfLICTING TERMS AGREE WITH THIS RIDER,
MANUFACTURED H()MF. RIDER TOSECURiTVÏÑ:3TAÜÑïENT
'10120105 Page 1 of 4
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000667
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3. Lender's Security Interest All of Borrower's obligations secured \Jy theSecul'ity Instrumeut also shall
be secured by' the Manufactured Home:
Used
Ncw/U!æd
000565
,l9.§lL,___.
Year
ChAmpion
r...tanutactùrer' 5 Namé
'û00668
Sl07---ALB
M~nurncturer's S.erial Nu.
48. 3X 23.,60
Length A Width
~-"............_"--,-,---,-",,...,,"-""-"--,-
Model NalHt' or Model N.t},
""lDA 077607 a{ld IDA 077608
HUD Label Number(,):
4.
(a)
(b)
(C)
(d)
(e)
Surrendered
Ccrtiti..:ateuf Title N.umber:
Affixation. Borrower covenants and agrees:
to aftix rhe Manufactured Home to a permanent foundation on the Property;
to comply with all Applicable Law reg.arding the affixation of the Manufactured Home wthe
Property;
UpOIl Lender's requesl, to surrender Ihe certificate or tilleto the Manufactured H01l1e, if surrender
is permiuedby Applicable Law. and to obtain the requisite governmental approval and
documentation necessary to classify the Manufact1lred Home as real property under Applicable
L.aw;
that affixing the ManufacllIred H,ome 10 the Property doC$ IIOt violate any zoning laws or other
local requirements applicable to the Property;
that the Manu[¡\cturcd Home will be, at all times and [oral! purposes, perlllanelllly affixed to and
parr of the Properly,
5. Chal'ges; Liens. S~ction 4, Paragraph 1 of the Security Instrument is amended to add a new third
sentence to read:
Borrower shall promptly Cum ish w LenderaJl notices of amounts to be paid under this paragraph
and receipts evidencing t.he payments.
6. Property 1l1sunmce. Section 5, Pan\graph 1 or the Seclldty Instrument is amended 10 add a new second
sentence to read:
Whenever the Manufactured Home is tnmspor!ed on the highway. Borrower must have trip
insurance,
7. Notices. The second sentence of Scction 15 of the Security Instrument is amended by iusertiug lhe
words "unless otherwise required by law" at the end,
8. Additional Events of Default. Borrowe]' will be ill default under the Security Instrument:
(0) if auy structure on tbe Property, including the M¡¡nufaclured Home, shall be removed, demolished
or substantially altered ;
(11) if Borrower fails tocomp.!y wi,thany requirement of Applicable Law (Lendér, however, may
comply and add the expense to the principal balance Borrower owes to Lellder); or
(c) if Borrower grants or pennits aì1y lien on the Property other thall Lender's lien, or'lk'tls for t<1xes
and assessmeuLHhat arc not yet due and payable,
MANUFAGTUii"E[j"H'ÓM€iiïÒERTÕ"SECURliV iNsTRUMENT
10/20/05 Pago 2 of 4
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9, Notice of 1>efault. If required by Applicable Law, before using aremed)', Lender will send Borrower
any noÜce required bylaw, and wart for any cure period that me law may require for that remed,y.
10. Additional Rights of Lender in ,Event of Foreclosure and Sale. In addition to those rightsgrantcd
in the Note and Security Instrument, Lender shalJ have the following rights in the event Lender
commences proceedings for the foreclosure and sale of me Property,
(a) At Lender's option. to the e¡¡tent permitted by Applicable Law, Lender may elect to treat Ú1C
ManufaclUred Home as personal property ("PersonalProperty ColJateral "), Lender may repossess
peacefully from the place where the Personal Proper1y Collateral is located without Borrower's
penuission. Lender also may require Botrower to make the Personal PropertyCoUateral available
to Lender at a place Lender designat,es that is reasonably convenienllo Lender and Borrower. AI
Lender's option, to the extent permitted by Applicable Law, Lender may detach and rClIlove
Personal PtopertyCollatera] frol11!he Property, or Lender may take posa~ssion of it and leave' it
on the Property, Borrower agrees 10 cooperate with Lender if Lender exercises ,theserigbt.~,
(b) After Lender repossesses, Lender may sell the Pl'tson.aJ P 'operty Collatcl'äl.and apply the sale
proceeds to, Lender's reasonable repossession. repair; storage. at1dsaleexpen.~es, ami fuen toward
any other amounts Borrower owes under the l..oall¡)oclUnents,
(c) In the evcut of any foreclosure sale, whether nHlde by TClIstee, or Uhder judgment of a court, all
of the real and Personal Properly Collateral may. at the option of Lender, be sold as a whole or
in parcels, It shall not be necessary 10 have prest.'lll at the place of such sale the Personal Property
Collateral or allY part mareot'. Lender, as well as Trustee on Leltder's behalf, shall have all the
rights, remcdies and recourse with respect to the Personal Property CoUateral afforded to a
"Sccured Party" by Applicable Law in addition to, and no! in limitation of, lite other rights and
recourse afforded Lender and/or Trustee under the Security Instrument.
By signing below, Borrower <lccepts and agrees to the terms and covenants contained in this Rider.
~L_,~i8 /~B(1).r'row~.· í~G'-G,..·dJð..o"'·"'S·j;¡¿T"-'..' J,{J, ¿H~N
Borrower WILLIAM BEN ~, tr:
Borrower Borrower
".-.---.-~.-_.- -_.."._-"',.~---_.._-,-_..-
--..---..., ".."...""'.............,.-
Borrower Borrower
MANUFACTURED HOME RIDER-TO SECURiTY INSTRUMENT
1 0/20/05 Page 3 at 4
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000566
000669
STATE OF WYOMING
)
)5S,
)
COUNTY OF LINCOLN
I, the undersigned NOIary Public, in and for th.e aforesaid State and County, do hereby certify that
WILLIAM BEN ST. JOHN, PEGGY JO ST, JOHN
norrower(s), personally ilppeared beJoremeinsaidCounty an,d aCknOWled¥e. d the within instrument to be
their act and deed, Given undcrmy hand and seal this 2 (¿;. day of ""lta.r C h '200 ß '
\ ),1 a-ti<:No~;ft¿¡WíWL
\.bI~publ.(s/
State 01' \fJ jO m" rj
OJllntyof Li h CO l (\
My Commission Expires: 1. - S' (2
MARJSA HARTMANN NOTARY PUBUC
COUNTY OF . STATE OF
UNCOlN WYOMING
MY COMMISSION EXPIRES FEIIIIUMV 5, 2012
(Seal)
Drafted By:Er in Haqer
iïi1-iÏÑU'FAëï=üRËDHÕ'ME RIDER TO SECURITY INSTRUMENT
10/20/05 Page 4 of 4
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000567
000670
We, William Ben St. John and Peggy Jo St. John, acknowledge that this mortgage is
being re-recorded to add the Manufactured Home Affidavit of Affixation. Û00671.
~fÆ~
illiam Ben St.
~ilflL
On April 9, 2008, personally appeared before me William Ben St. John and Peggy Jo St.
John, the signers of the within instrument, who duly acknowledged to me that they
executed the same.
NIfz PUbP- oILd
CLAY BROADHEAD - NOTARY PUBUC
County of _
LinCOln' State of
, WyomIng
My CommIssIon Expires Sept. 21, 2010
Residing: ~NC.Ov-J c.n-..'r'f
Expires: 5s.p'" 2/, Zf:s/O I
~'1
.\lImlfhb.wf,--.n¡1
Record and Return 0 by Mail 0 by Pickup 10:
Converse County Bank
PO Box 689 322 Walnut
ºQlMÙa~,-J1Y...Q!!\.~,!}g_.-ª~})_",......,_...........
Loan Number: 7336993
MANUFACTURED HOME
AFFIDAVIT OF AFFIXATION
STATE OF WYOMING
)
) S5,:
)
COUNTY OF LINCOLN
BEFORE ME, ¡he undersigned notary public, on this day personally appeared WILLIAM BEN
ST. JOHN, PEGGY JO ST. JOHN
known 10 me to be the persoll(s) whose narne(s) islare su\Jscribed below (each a '['[pmeowller"), and whp,
being by me first, duly sworn, ¡ id each on hisorher oath Mate as follows:
I. Homeowncr owns the manufactured home ('Homc') described as foJlpws:
\AceoLJ ~'Rt.{-
N.w/U,.~
Year
M.~!'rc~ ~p i ó Yl
'T (A rn úI Y (tv ¡.c.
Model Name m 'Modtl No,
:tD.A 0 '-I] ~Î
BUD Label Nurnber(sY:
(Q\01 A ~_.._.
Mrmllf::u.:(urer·~ Serial No.
u y.;'J;¡ '2-QJoO
......:.U:J...:__..,...).C_
LMglh . Width
Ct n d JJ2}\OJ:1!o.Qß,........,...\, vi r r B nd Greet
Certificale_ of Title Number:
2. The Home was built in compliance with the federal Manufactured Home Construction and Safety
Standards Act.
3. If the Homeowner is the first retail buyer PI' me Hpme. Homepwner is in rcèeìpt of (1) ¡he
manufacturer's warramy for the Home.. (Ü) the Consumer Manual fl1r the. HOllie, (iii) the Insulation
Disclos¡¡re for me Home, and (iv) the fonnaldehyde health notice for me Home.
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..._,.,._ø_,_~,__.____,~
MANUFACH)RED HOME AFFIDAVIT OF AFFIX'ATïòN
10/20/05 Pa,ga 1 of 5
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000672
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4. The !-Iome .Îsor will þe lOcated at the following "Property Address";
1112 WEST HWY 23.,2.1._,k~_.J¡hJ3i.GE, WYOMING 83123.
Streef or ROUle Cily C()tJnlY St.are
Zip Code
5. The legal description of \he Property Address ("Land") is:
LOT SEVEN (7) OF BLOCK THREE (3) OF THE WE~T VALLEY
SUBDIVISION TO THE TOWN OF LABARGE!.LINCOLN COUNTY,
WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF
RECORDED JUNE 30, 1981 AS MAP NUMBER 268 AND DOCUMENT
NUMBER 560645 IN THE OFFICE OF THE CLERK, LINCOLN COUNTY,
WYOMING,
6, The Homeowner is \he owner of the Land or, if not the owner of the Land, is in possessiol1 of the real
property pursuant tö a lease in recordable fonn, and the consent of the lessor is ¡Ilt¡¡ehed to thi~
Affidavit.
7, The Home 0 is 0 shall, be anchored to the Land by auac!¡rnent to a pennanent foundation constructed
ill accordance with applicable state and local buìJding codes and xnanufilcturer's speciJicati()n~ in a
manner sufficient to vaHdatc any applicable manufacturer's warranty. and permanent I)' connected to
appropriate residential utilities (e.g" water,gas, electricity, sewer) ("Permanently Affixed"), The
Homcowner intends that the Home be an immovable fixture and, a pennanent improvement to the Land.
S, The Home shall be assessed and taxed as an improvement to \he Land,
9. Homeowner agrees that as of today, or if the l10me is not yet located ¡It the Property Address, upon the
delivery of the Home to the ['ropert)' Address:
(a) All penllits required by governmental authorities have been obtained;
(b) The foundation syst.em for the Home was designed by an engineer to meet the soil conditioQs of the
Land. All foundations are constructed inaccordanc~ with applicable state and local building codes,
and manufacturer's specilications jQ a mIDUler sufficient to validate any applicable manufacturer's
warrant)' ,
(c) The wJleels, axJes, towbar or hitch were removed when the Home WàS, or wjJ\ be, placed on the
Property Address; aQd
(d) The Home is (i) Permanently AftÍJ\ed to a foundation, (iì) has the characte.ristícs of site-built
housing, and (Iii) is part of the Land,
10, If th,e H(JI!1eowner is the owner of \he Land, aQyconveyallce or finaQCÎng of the Home aQd the Land
shall be a single traQsaction under applicable slate law,
I I, ür!¡er thun those disclosed in this Affiduvit, the Homeowner is not aware of (i) any other claim. lien or
encumbrance affecting the Home. (ii) any facts or infol111ation known to the lIotneowl1er that could
reasoQably affect the vaJidity of t!¡e titlc of the Home or the exis.tencc or non-existence of security
interests in it,
MANUFAcrURED ¡,tOME AFFIDAVIT OF AFFIXATION
10120105 Pago 2 of 5
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12.
000674
A Homeowner shall initial only one of the following, as it applies to (¡dete the Home:
o The HOlUeis not covered by a certificate ottitle, The original mannfactu.rer's certificate of origin,
dµlyendorsed to the HIJmeowner, is Iltt8ched. to this Aflidavit, or previously was recorded in the
real property records of tbe jurisdiction where tbe Home is to be located,
o The Home is not covered by a certificate of title, After diligentscarch and inquiry. the Homeowner
is unable to produce the original nmnufacturer's certillcaœ of origin.
o The [] manufacturer's certiticate of origin 0 certificate of title .to the Home 0 shaH be 0' has
been eliminated as requited by applicable (¡tw.
o The Horne, shall be covered bya certiflcàtc of tjtle.
13. The Homeowner designates the following person to record t.his Affidavit in (he real property records L>[
the jurisdiction where the Home is to be located and JlpOn its recording it shall be returned by the
recording onïcerto same:
Name:
Address:
14, This Alfidavit is ex.ecuted by Homeowner(s) pum¡¡¡nt (0 applicable stllte law,
IN WITNESS WHEREOF, Homeowner(s) has ex.eeuled Ihis Affidavit in my,grescllce and in thc presence
of the undersigncd witnesses Oil this '2.J.cJ day oftJl¡l.CWC h 1-00 ~ '
Witness'
Witness ..-"
,..,...............--...-,--
IJ¡~ if H fL'- (,..I)
PEGG ' T. JOH -Borrower
. ,-"",..~,-_.._,_.......,......__.._..,_..-
.........__ (Seal)
·Borrower
(Seal)
-Borrower
(Seal)
·Borrower
(Seal)
..Borrower
~,._._.._"--_..
MANUFACTURED HOIViE';iÚ=ï=ïõÃvïf'''ö¡:-ÃFFIXA TlON
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STATE OF WYOMING
)
) 55,:
)
COUNTY or LINCOLN
On thc Z. (0 day o'(/~t{Â y Chin the year 1..00 8
me, the undersigllcd, a Notary Public in and for said State. peJ1\onallyappcarcdWILLIAM
ST. JOHN, PEGGY JO ST. JOHN
before
BEN
personally kllowlllO me or proved to me on the basis of satisfactory evidence to be the individuaHs) whose
name(s) islare subscribe!l to the within instmmcnt and ackno\vledged to me [hat helshelthcy executed the
same in his/herltheircapaeity(ies). and that by hi51herlúlcir signature(s) onthe instrun\ent. the individuates).
or the person on behalf of which the individual(s) acted, executed the instrumellt.
MARlSAHARTMANN NOTARY PUBUC
COUNTY OF . STATE OF
UNCOLN WYOMING
MYCOIMSSIONEXPIIIESFE8RUM'I& 2012
(Official Seal)
l /þ(?l Yl :<:C{, -I-It( r77flCLi1 }'l
ÑotaryPrinted Name
NOlary Public: State of VV ~O vn ì Y\ ~
Qualified in thc Coumy of L- {h C 0 I h
My Commission Expires: 1. - S . /1.-
MANUFACTURED HOME AFFIDAVIT OF AFFIXATION
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000675
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Lender's .8t,utement of Intent:
'l1,e undersigned (" Lender") imends that the Home be an immovable fixture and a permanent improvement
to the Land,
STATE OF WYOMING
COUNTY OF LINCOLN
)
) 55,:
)
On the fl-(¡;) day of ,C~ in the year 200 ß, before
me, the undersigned, a Notar ubJic in and for said Slate, personalJy appeared
personally k.J~wrt~) ~~ or pr~ed~~)~he basis of satisfactory evidence to be the iudividuaHs) whos~
name(s) isfaresubscribed to tbe within instrument and acknowledged to me that hcfsheltbey executed the
same in hìsfherftheir capacity(ies), and that by hislherftheirsignaturc(s) on theinstrunlem, the individual(,~).
or the person on behalf of which the individual{s) acted, executed the instrument.
-llik,,_~~~XW-
Notary Signature
HEATHER MAXWELL NOTARY PUÐí;~,
COUNTY OF . STATE OF
CONVERSE WYOMING
MYCOMMISS~ ExPIRE'll 0C10Ib 19,2011
(Official Scali
Drafted By: Erin Hager
\-\~« Y1'ttí-\J'JW
Notary Printed Name
Notary Public; State of
Qualified in the County of
My Commission Expires: \0-- \'4 - w \..l
MANUFACTURED HOME AFFIDA\iiT'ÕFA~FIXATiõ-N-'
10120;05 Pnge5 of 5
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000676
000677
Record and Return D by Mail 0 by Pickup 10:
Converse County Bank
PO Box 689 322 Walnut
Douglas, Wyoming 82633
Loan Number: 7336993
REAL PROPERTY AND MANUFACTURED HOME
LIMITED POWER OF ATTORNEY
(T u cxecute Of rclcllsc (I¡k mortgage or deed <11' ¡rus!. secufity tiling, tr¡¡nsl(" of equity and insurancc documents and proceeds,)
The l1nder~ignctl horrower(s), whether one or more, each referred to below as "I" or "me." residing at:
1112 West Hwy 235
Street Address
Le Barqe, Wvominq 83123
City, State. Zip, County .
(" Prcsent Address").
I am the Bu)'er/Owner of the following l11anutactured home (the" MlInufi1ctured HOl11c");
USßD
~ew/Uscd
1984,'
Year
CHAMPION
Manufacturer's Name
TAMARACK
Model Name/Model No.
5107 A/B
Manufacturer's Serial No,
48.3X23.60
Length/Width
permanently affixed to the real property located at 1112 West Hwv 235, Le Barqe, Wyoming
Street Address
83123
City. County, State, Zip
("Property Address") and us more
particularly described on Exhibit A attached hereto (the "Real Property"). r do hereby irrevocably make. constitute.
appoint and authorize with full power of substitution, Converse County Bank
(" Lender"), it~ ~uccessor~, assigns or designees liS my agent lInd attorney-in-fact. in my name. place (lnd stead in any
way which I could do, I I' r wcre pcrsonally prcsent. with full powcr of substitution and delegation, (I) to complcte,
execute and deliver, in m)' name or Lender's name, any and all fiJnns, certilìcates. assignments, designations. releases
or other documentation as may be necessary or pruper to implement the terms and provisions of the Security
Instrument dnted MARCH 26, 2008 executed by me in favor or Lender. (2) to complete, execute
and deliver, in my name or in Lender's name, any and ¡III tìmns. certificates. assignments, designations. rele¡LSes or
other documentation as may be neçessary or proper to make application fi)r and obtain the certificate of title for the
Munufactured j"lome and to have Lender (or its designee) designated as lienholder on the certificate of title fòr the
Manufactured l"lome. (3) to complete, execute and deliver in my name or Lender's name. any and all forms,
certitìcates. ¡t~signments, designations, releases or other documentation as may be necessury or proper to have the
REAL PROPERTY AND MANUFACTURED HOME LIMITED POWER OF A HORNEY
01129/07 Page 1 of 4
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000678
Manufactured Home treatcd as real estate for any and aJl purposes under state law, including but not limited to the
surrender of any certi:fìcate of title, any election to treat the Manufactured Home as real estate for tax purposes or to
meet any other requirements in order for the loan/financing secured by the Manufactured Home and the ReaJ Property
to be eligible for sale on the Federal National Mortgage Association ("Fannie Mae"), the Federal Home Loan
Mortgage Association ("Freddie Mac") or any other secondary market purchaser. (4) to receive, Climplete, execute
or endorse, and deliver in my name or Lender's name any and all claim forms, agreements, assignments, releases,
checks, drafts or other instruments and vehicles for the payment of money, reJating to any insurance covering the
Manufactured Home, the indebtedness secured by the Manufactured Home or the Real Propcrty, and (5) to complete,
sign and file. without my signature, such t¡nancing and continuation statements, amendments, and supplements
thereto, mortgages, deeds of trust and other documents, including releases of these items, which I may from time to
time deem neccssary to perfect, preserve and protect Lender's security interest in the Manufactured Home, the
Property and any other property sold with it. I acknowledge that at the time this Power of Attorney and my Security
Instrument and any of the forms, certificates, assignments, designations, releases or other documentation are prepared
the serial number of the manufactured housing unit may not be available or may be inaccurate, The manufactured
housing unit may be a factory order in the process of being constructed. Immediately, upon Lender's receipt of the
serial number, I understand and agree that the above items may be completed and/or corrected by Lender to properly
disclose all the applicable home identifications, including the serial number, I understand that I will be provided with
a copy of any corrected agreement.
To induce any third party to act hereunder, I hereby agree that any third party receiving a duly executed copy of
facsimile of this instrument may act hereunder, and I for myself and for my heirs, executors, legal representatives and
assigns, hereby agree to indemnity and hold harmless any such third party from and against any and all claims that
may arise against such third party by reason of such third party having reHed on the provisions of this instrument.
I have given this Limite,d Power of Attorney in connection with a Joanllinancing to be given by Lender and to induce
Lender to make the I1nancing ¡wailable. It is coupled with an interest in the transaction Bnd is irrevocable, This
Limited Power ofAtlorney shall not be affected by my/our subsequent incapacity, disability, or incompetence, I do
further grant unto Lender full authority and power to do and perform any and all acts necessary or incident to the
execution of the powers herein expressly granted, as fully as I might or could do if personally present.
WITNESS my hand and seal this 2" day of f'l1AI!..( H 2a:>8
I
~ í3.-s/I ~
Witness
Wìtn~--------'--"------------
~! .. lo ,itjp,L;!i08
ßOrl'O~JO St. ,"ohn Date
~'
~,&dJf?~ ~tfJ
Borrower illiam Ben . John Date
___..~A·",_",A·_ ,...'..'~,_____
Borrower
Date
Borrower
......,--..,-.., Date
.----.-,..........,y...,-
Date
B(,rrower
''''''''_'--'''-' Date
Borrower
,.........,--------
RËACPROPERTY AND MANUFACfURroH'Ó¡¡¡;-E LIMITED POWER OF ÂTTÕR'ÑEY
01129107 Page 2 of 4
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000679
STATE OF WYOMING
)
) 5S,:
)
COUNTY OF LINCOLN
On the 2<Q day of rnllf-p.CH
Notary Public in and for said State, personally appeared
St. John
in the year -æt>B before me. the undersigned, a
William Ben St. John, Peggy Jo
personally known to me or proved to me on the basis of satisl'm:tory evidence to be the individual(s) whose name(s)
isiarc subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their
c¡¡pacitYlies), and that by his/her/their signature(s) on the instrument. the indivìdual(s). or the person on behalf of
which the individual(s) ¡¡cted, executed the instrument.
CLAYBROADHEAD·NOTARYPUBUC
County of ~ State of
Uncaln W Wyoming
My Commission Expires Sept. 21, 2010
ß~¡/d
~,0Ym.._ ER.OAi) ft~D
Notary Printed Name
Notary Public; State of \..IJ"i
Qualilied in the County of l:r""c.oU'o/
(011ìcial Seal)
My Commission Expires: Stpr. '2.'/ "2010
REAL PROPERTY AND MANUFACTURED HOME LIMITED POWER OF ATTORNEY
01/29/07 Page 3 of 4
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EXHIBIT A
PROPERTY DESCRIPTION
Lot Seven (7) of Block Three (3) of the West Valley
Subdivision to the Town of Labarge, Lincoln County,
Wyoming as Described on the Official Plat thereof
Recorded June 30, 1981 as Map Number 268 and Document
Number 560645 in the Office of the Clerk, Lincoln County,
Wyoming.
000680
REAL PROPERTY AND MANUFACTURF.D HOME LIMITED POWER OF ATTORNEY
01/29/07 Page 4 014
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