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HomeMy WebLinkAbout938291 c:.'/ 6 ~-) J ri ./ RECEIVED 4/16/2008 at 8:35 AM RECEIVING # 938291 BOOK: 692 PAGE: 97 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY 000097 6010816547 [Space Above: This Line For Recording Data] State of Wyoming FHA Case No. MORTGAGE 591-1028095 70J THIS MORTGAGE ("SeCUrity Instrument") is given on APRIL 11, 2008 The Mortgagor is JASON P ARCJlIÐALD, A SINGLE PEllSON ("Borrower"). This Security lnstrumem is giv6n to WB¡,¡,s FARGO BANK, N.A. which is or~anized and existing under the laws of'I'HE UN!'1'ED S!'ATDS , and whose adòress is P. O. BOX 11701, NEWARK, NJ 071014701 (nLe.nder~). Borrower O'M'S Lender the principal awn of OHIt Hù.NDRED SEVENTY TWO THOUSAND PlVE HlJNDUD lttNB'n' ~ 00/100 Dollars (U.S. $UUnWU172,590.00), This debt is evidenced by Borrower's note dated the same date as this Security Instnunem ("Note"), which provides for monthly paymentS, with the fun debt, if not paid earlier due and. payable on MAT 01, 2. 038 . This SeGUrity J.nstrume.nt secure.; to Lender: (a) the repayment of the debt evidtnted by the Note, with interest, and all renewals, extensions and modlficarions of the Note; (b) the payment of all other SUtUS, wirh i-Qterest, advlWcOO \lnder paragraph 7 to protect the security of this Security Instrument; and (c) the perfonnance 0085465771 FHA Wyoming Mortgage. 4196 G\4t(WYJ (D604).01 :VMP MORTG...GE FORMS ":3~ P~D9 1 or 8 Inilia . -'/ ., \300098 of Borrower'!! covenants and agreements under rhis Security roSt!.111nM£ aJJ.d the Note. For this purpose, Bo¡;wwer does hereby mortgage, grant and convey (0 the Lender with power of sale. rhe following described property locared. in L:tNCOLN County, Wyoming: LOT 3 OF BLOCK 2 OF LI:NCOLli HEIGaTS 31U1 SUBD;¡;VJ:SION TO THE TOWN OF KJ!ZdI.I([SlŒR, LINCOLN COUNTY, WYOll1ING AS DESCRIBED' ON THB: OFB'ICIAL PLAT F:tLED ON APltIL 1, 1975 AS INSTRUMENT NO. 465282 OP 'l'HE RBCOP.DB OF THE LINOOLN COT.TN'l'Y ~LBRK. THIS IS A PURCHASE KONEY SECURITY INSTRUMBN'l'. TAX STATEMENTS SHOULD BB SENT TOt WELtS FARGO HOME MO~TQAQm, ~.O. BOX 11701, NEWARK, NJ 071014701 which hB.!l the addre! s of 1002 SOR.ENSEN DRIVE, ~ER ¡Street, City), Wyoming 133J.0J. [Zip Code] ("Property Address"); TOGETHER WITH all [he improvements now or hereafter erected on the propertY, and all easements, appurtenances and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Securiry Instrument, All of the foregoing is referred to in this ~ecuxi.ty Instrument as the "Property." BORROWER COVENANTS t,hat Borrower is lawfully 6cized of the estare here"Oy conveyed and has the right to mortgage, granr and convey the Propeny and that the Propcrty is \lIJencumbered, except for encumbrances of record. BOrrower warrants and will defend generally the title to the Property against all olaims and demands, subject to any encumbrances of record. THIS SBCURXTY ,INSTRUMENT combines unifonn covenantli for national use and non·unitonn covenant:; with limited variations by juri~diction to constitute a uniform security instrument covering real property. Borrowe( 3nd Lender covenant and agree 8JI foUow$: UNIFORM COVENANTS. 1. Payment of Principal, Interest and Latë Charge. Borrower shall pay when du.e the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, IDJlurance and Other' Charges. Borrower shall include in ench monthly payment, together with the principal and interest as set forth in th~ NOtè and any late charges, a sum for (a) (axes and special 8$sessments levied or to be levied agail1sr the Prope.rty, (b) leasehold payments 01' ground rents on the Property, and (c) premiums for insurance required \mder para.graph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secrerary of Housing and Urban Development ("Secretary"), or in .any year in which such premium woutd have been required if Lender still held the Sec\lrity Instrument, each monthly payment shall also include: either: (i) a S\lnl for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a. mortgage insurance premium if this Security Insrrument is held by the Secretary, in a reasQnable amoWlt to be derermined "Oy the Secretary. Except for the monthly charge by rhe Secretary, these items are called "Escrow Items" and the sums paid to Lender are ca.lled "Escrow Funds." Lender may, 3I any time, collect and hold amounts for Escrow hems in an aggregate amount not to exceed the maximum amount that may be required fOt BorrQwer'S escrow account under the Real Estato Settlement Procedure¡¡ Act of 1974, 12 U.S.C. Section 2601 et seq. and implementing regulations, 24 CPR Part 3500, as they may be amended from tim~ to timc (":RESPA"), except that the cushion 0,( reserve permitted by RESPA fot unanticipated disbursemen(!l or disbursements before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. .-4R(WY (90041.01 ~ Paa. 2 01 8 I~~ia/!:;>\ ~ ,)00099 If the amounts held by Lender for Esc¡,ow Itéxns exceed the amounts permitted to be held by RBSP A, Lender shall account to' Borrowe{ for the excess funds as required by RESP A. If the amountl of fitnds held by Lender at any time ate not 5Ufficient to pay me Escrow Items when due, Lender may notify the BOlTower and require Borrower to :m.1ke up the sho(tage as peImÌned by RESPA. The Escrow J?'I1nds are pledged as additioIUII. security fot all sums secured by th:ù; Security Instrument. If :ßo1Tower tenders to Lender the full payment of all such sums. Borrower' 5 account shall be credited with the balance remaining for all installment items (<I), (b), and (c) and any mortgage insurance premium installment that Lender ha9 not become obligated to pay to the Secretary, and Lender shall promptly ra(und any excess funds to Borrower. Immediately prior to a foreclosure sale of the Propeny or its acquisition by Lender, BOrrower's account shiill be credited with any balance remaining for all installments for items (a), (b), and (c). 3. Application of Paymen.ts. All payments unde( paragraph8 1 and 2 shall be applied by Lender as follows: First. to the mortgage Ìll!iurance premiwn to be paid by I...a1der to the Secroraty 01' to tbe montWy charge by the Secret/lly instead of the monthly mort ¡;age insurance premium; Second, to any t~Ç5, 5pccia1 assessments, leasehold paymcms or ground rents, and fire, flood III1d other hazard insurance premiums, as required; Third, to mtl'n'est due under the Nore; Fourth, to amonization of the principal of me Note; and Fifth, to late charge.\: due \lnder the Note. 4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all impl'Qvements on the Property, whether now in existence or subsequently erected, against any hazards, CASuaItie5, and contingencies, inCluding fire, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the petiods that Lender requires. narrower shall also insure all improvemenl$ on the Propeny, whether now in existence or subsequently erected, againstlo¡¡$ by floods to the extent required by the Secretary. All insurance shall be carried with companies approVéd by Lender. The insuI'atl¢e policies and any renewals shaH be held by Lender and shall include loss payable clauses in favor of, and in a form acceptable to, Lender. In the event of loss, Borrower shall give Lender inunediate notice by mail. Lender may malœ proof of loss if not made promptly by Borrower. Each insumnœ company concerned is hereby authorized and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any pan: of the ÎI15Ura.Iice proceeds may be applied by Lender, at its option, eirber (a.) to the reduction of the indebtedness under the Note and this Security Ins[ :ument, first to any delinquent amounts applied in the order in pa(agraph 3, and then to prepayment of principal, or (b) to the restoration Or repair of the damaged Property. Any application of the proceeds to the principal shall not extend or postpone the due d~te of the monthly payments which are referred to in paragraph 2, or chan~e the amount of such payments. Any excess insurance proceeds Qver an amount requIred to pay all outsranding indebtedness under the Note and tl\is Security Instrument sb~l be paid to the entity legally entided thereto. In the event or foreclosure of this Security Instrument or other transfer of title to the P¡'Opérty that extinguishes the indebtedness, all right, title and interest of Borrower in antJ to insurance policies in force shall pass [0 the purchaser. 5. Occupancy, Preservation, Maintenance and Protèclion of tIle Property; Bonvwer's Loan Application; Lèaseholds. Borrower shall occupy, establish, and U5é the Property as Borrower's principal residence witb.in sixty days after the execu.tion of this Security lnStIUment (or within sixty days of a later sale or transfer of the Property) and shall continue to occupy th~ Property as Borrower's principal residence for at least one year after tb.e date of occupancy, urness Lender determines that requirement will cause \.1.D.due hardship for Borrower, or unless extenuating CÌrcumstance& exist which are beyond Borrower's Control. :Borrower shall notify Lender of any extenuating cit'cumstances, BOITower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if the Property is vacant or abandoned or the loan is in defalÚt. Lender may take reasonable action to protect and preserve such vacant or Q-4lRlWY} 9G04 .Ol <II f'8g.30fB In"I"'()~ ùOv~OO abandoned Property. Borrower shall also be in default if ßorrower, during the loan appIi(:ation process, save materja11y !a15e or inaccu.rare infoID1ation or statement.) to Lender (Or faBed ro provide Lender with any material infonnation) in connection with the loan e\fidenced by the Note, including, but not limited to, representaúons concerning Borrower's occupancy of the Property as a principal residence. IT this Security Instrument is on a leasehold, Borrower shall comply with the provi5ions of the lease, If Borrower acquires fee title to the Property, the leasehold and fee title shalt not be merged Wliess Lend-er agrees to tbe merger in writing. 6. Condemnation. The proceeds of any aWa(d Or claim for daJ.nages, direcr or consequential, in connection with any condemnation or other taking of any parr of the Property, or for conveyance in place of oondemnanon, :ITe hereby assigned and shall be paid to Lender to the exte¡ t of the full amount of the indebtednes5 that remains unVaid under the Note and this Security lnstnnnent. Lender shaII apply such proceeds to the reduction of the indebtedness un(ler the Note and this Security Instrument, (¡nit to any delinquent amOWltS applied in the order provided in paragraph 3, and then to prepayment of principal. Any àpplication of the proceeds to the principal shall not exrend or postpone the due date of the monthly payments, which are refened to in paragrapb 2, or change the amount of such payments. Any excess proceeds. over an amount required to pay all outsranding indebtedne.9s \lnder the Note and rhis Security Instrument shall be paid to the entity legally enrided thereto. "/. Charges to Borrower and Protection of Lender's Rights in the rroperty. Borrower shall pay all gQvemmental or municipal charges. fInes and impositions that are not included in paragraph 2. Borrower shall pay these obligations on dme ditectly to the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the PrQperty, upon Lender's 'equ.est Borrower shall promptly furnish to Lender receipts evidencing these payments. If Borrower !ail.5 to make these payments or the paymentS tequÌIed by paragraph 2, or fails to perform any other covenants and agreementS co,Qt.ained in this Security Instrument, or there is a legal proceeding that may significantly affect I...ende¡;·s rights in the Property (such as a proceeding in bankruptcy, foX' condemnation or to enforce laws or regulations). then Lender may do and pay whatever is necessary to protect the value of the Propeny and LßJJder's righJ:$ in the Property, including payment of taxes, hazard Îmìuranœ and other items menrloned in paragraph 2. Any amounts disbursed by Lender under this paragraph 5hall become an additional debt of Bonower and be secured by this Security Jnstrument. These amounts shall bear inrerest f¡;om the date of disbu¡sement, at the Note rw:e, and at the opriQJ:A of Lender t shall be immed.iately due and payable. Borrower shall prompt.ly discharge any lien which has prioriry ove;¡: this Security Insrrnment unless Borrower: (a) agreea in writing to the payment of the obligation secured by the lien m a maDIler acceptable to Lender; (b) contests in goo<1 faith the lien by, or defends against cnforceroent of the tien in, legal proceedings whicb in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secuteS from the holder of the lien an agreement satisfactory- to Lender subordinating the lien to this SeC\irÌty Instrumenr. If Lender detennines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, lender may give Borrower II. 1'1Oti¢e identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set fonh above within 10 days of rhe giving of notice. S. J!'ea. Lender may collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a) Default. Le:nde( may, eAcept as limited by regulations issued by the Secretary, in the case of payment defau1rs, require immediate payment in full of all sums secured by this Security Inst1'U1ncmL if: (i) BOrrower defaults by failing to pay in full any monthly payment required by t.bis Security Instrument prior to or on the due date of the next monthly payment, or (ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contAÏrted in I:hiB Security Instrument, (b) Bale Without Credit Approval. Lender shall, if permitted by appHcable law (including Section 34l(d) of the Garn-St. Germain Depository- Instlnniotls Act of 1982, 12 V.S.C. 1701j-3{d)) and with the prior approval of the Secretary, require immediate payment in fun Qf all SUlDS secureQ. by this Security Instrument if: ~-4RIWYI 190041.01 P~g~ 4 of 8 In~I;Ù~~ ÛOô1.01. (i) All or parr of tbe Property, or a beneficial jI).terest in a trust owning all or part of the 1?r0000erty, is sold or otherwise transferred (other Ùlan by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or me purchaser or gfantee does so occupy the Property but his or her credit has not been approved in accordance with the requirements of the Secretary . (c) No Waiver. If circumstances occur mat would permit Lender to require immediate payment in full, but lénder does nat require such payments, Lender does nO[ waive its rights with re$pect to subsequent events. (d) Regulations of BUD Secretary. In roany circumstance.!! regulations issued by the Secretary- will limit Lender's rights, in the C2.$e. of payment defaults, to require immediate payment in full and foreclose if I10t paid. !bk Sêc'Wity Instrument does nOt authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security In.mwnent and the Note are not d~tetmined to be eligible for i~surance under the National, aousÎng Act within 60 days from the date hereof, Lender may t at its option, require immediate payment in fun of all sums secured by this Security Instrument. A written statement of any aurhori.zed agent of the Secretary dared Su.bsequent to 60 days from the date hereof, declining to insure this Security Instrument and the Note, shall 1,)e ¡;l~med conc1usíve proof of liuch ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mongage insurance premium to the Secretary . 10. ReinBtatement. Borrower has a right to be rein$tnted if Lender bas required immediate payment in fllll because or Borrower's failure to pay an amount due under the Note or this Security Instrument. 'Ibis right applies even after foreclosure proceedings are instituted, To reinstate the Security Instrument, Boaower ¡¡hall tender in a lump Sum all amounts required to bring Borrower's account current including, to the eXTent they are obligations of Borrower underthÌ.5 Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure prQceeding. Upon reinstatement by J3orrower, this Security Instcw.nent and the obligations that it secures shall remain in ert'eet as if Lender had not required immediate payment in full. However, Lender is not required to pennit reil15ratetnent if: (i) Lender has accepted reinstatement after rhe commencement of foreclosure proceedings within two years inunediately preceding the commencement of a current foreclosure proceeding, (ií) reinstatement will preclude foreclosure on different ~ounds in the ftU\lIë, or (i¡i) reinstatement wl11 adversely affect the priority of the lien created by this Security Instl11D1œt. 11. Bon:owtt NQt Released; Forbearance By Lender Not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lendêt to any successor in interest of 13orrowe~ shall not operate to release the liability ôf the original Borrower O{ J3onower's successor in interest. Lender shall not be required to commence proceedings against any 8ucce.ssor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrowerts successOrS in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exerci.se of any right or remedy, 12. SuccessOR ItUd AssJgns ßOllnd; Joint and Several Liability; Co-SiQn~rIi. The covenants and agreements of this Security Instrument shall bind and bffi).$fit the successors and assigns of Leitder aud BOIIQwer, subject [0 the provisions of paragraph 9(b). Borrower's covenants and agreements shall be joint and several. Any BOIIQwer who co-signs this Security 111!ltnllnênt b-ot does not execute the Nore: (a) is co-signing this Security Instrument only to mortgago, grant and convey that Borrower's interest in me Property under the terms of this Security Instroment¡ (b) is not personally obligated to pay the sums secured by this Security InsU1.\meat; and (c) agrees that Lender and any other Borrowet may agree to extend, modify, forbear or make any accommodations with regard [0 the tenns of this Security Instrument or the No[e without that Borrower's consent. G<f/-4ßIWYI (851141.01 Pago 5 af 8 I"iti"~ '))þ., - (1001.02 13. Notices. Any notice to Borrowl'r provided for in this Security Instrument shall be given by delivering it or by mailing it by Î1fSt class mail unless applicable law requires use of another method. The noucc shall be directed to the Property Address or any other addrC5S Borrower designates by notice IO Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designntes by notice to Borrower. Any notice provided. for in this Sec:~ty Xn$t1'ument shall be d.eemed to have been given to BOrrower or Lender when given as provided in this paragraph. 14. Governing Law; Severability. This Security Instrnment shall be governed by Federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflicI shall nor affecI other provisions of rIm Securiry mstrumenr or the Note which can be given effect without the conflicting provision. To this end [he provisions of iliis Security XœÞ:1lIXlB1),t and tþe Note are (leclared to be &9verab.e. 15. Borrower's Copy. Borrower shall be given one confonned copy of the Note and of this Security In~ tru;mElnt. 16. llazardoWl Substances. Borrower shall not cause Ot permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor aHow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The precedJng two sentences shall not apply to the presence, usel or storage on the Property of smc1ll quantities of Hazardous Substances that are generally reco¡nÎzed to be appropriate to normal residential uses and to mamtenance of the Property. Borrower shall promptly give Lender written notice of any investigation. claim, demand, lawsuir or o[her action by any governmental or regulc1tory agency or private party involving the Property and any Hazardous Substance or Environmental La.w of which Borrower has actual knowledge. Xf Borrower lêatI18, or is t\otified by any govênlIrtèntål or reg\llatoI)' authority, that any removal or other remediation of any Hazardous Substances affecting the Property is necessary I Borrower shaH promptly tBJ.œ all necC.'Isary remedial actions in accordance with Environmental Law. A$. \L~ed in this paragraph 16, "Ha7..aro.ous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances; gB!Joline, kerosene, other tlanunable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials'. 'As used in thi5 paragraph 16, "Environmental Law· means federal laws and laws of the jurisdiction wbere the Property is located that rli'latli' to health, safety or environmental protection. NON-UNIFORM COVENANTS. Borrower and Lender funher CQvenant and agree as follows: 17 I ABsignment of Rents. Borrower unconditionally assígrul and Iransfers tQ Lender all the rents and tevenUe5 of the Property. Borrower authorizes Lender or Lender's alents to collect rhe rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agems. However, prior IO Lender's notice to Borrower of 1:Iorrower's breach of any covenant or agreement in the Security IruitIument, Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower. 'this assignment of renrs consdtutes an absolute assignmenr and not an a.!Isignment tor additional security only. Jf Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrowor as trustee for benefit of Lender only, [0 be applied to the sums sec1l1"ed by the Security rnsrrurnent; (b) Lender shall be entitled to collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rent!! due and \lnpaid to Lender or Lender's 2I&,ent on Lender's written demand to the ten.1Dt. Borrower has 110t executM. any prior asSigl1rt1ðt\t of the rêl'lt$ artd ha,s l\ot and will not perfonn any' act that would prevent Lender from exercising its rights under this paragraph 17. Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of breach to BoO"owe¡:. However, Lender or a judicially ap!1ointed receiver may do 50 at any time tbere is a breach, Any application of rCllts shall not cure or waive any default or invalidaIe any orher right or remedy of Lender. 1bis assignment of rents of the Property shall terminate when the debt secured. by thll Security Instroment is paid in full. Gt-4R[WY) ISØ04 .01 rage 6 01 6 1~~lar.( )(~ ÚOO1.03 18. J;i'oreclosure Frocedure. If Lender requires immediate payment in full unde¡o pax-agraph 9, Lender may invoke the POWe,l;' of sale and any otber remedies permitted by applicable law. Lender shall be ~Ut1ecJ to collect all ~peœes incurred. tn pursuing the remedies prol'idcd in tIili paragraph 18, including, but not (linited to, reasonQble attorneys' fees and: cosu of title evfdeu.ce. If Lender invokes the pOwer of sale, Lender shan give notice of ikltent to foreclose to Xlorrowcr and to the puson in possession of the Property, if different, in accordance with applicable Jaw. Lender ghaJl give notice of the sale to Borrower in the manner provided in paragraph 13. Lender shall publish the notice of lIale, and the Property shall be sold Úl the manner presc~bw by applicable law. Lender or its dœJgooo may purchase tbe Property at aoy sale. The þroœeds of the sale shalJ be applied In the fOUOWing order. (a) to aU ea:penscs of the sale, includiDa, but not limited to, ".emonable attorneys' fees; (b) to aU sums secured by this Security Imtmment¡ and (c) any PJ(œss to the person or pe.-sonlllegally entitled to no If the Lender's lntere.9t in this Security hlstrnment is beld by the Secrelâry and the Secretary requires immediate payment in full \lnder Paragraph 9, the Secretary may invoke the nonjudicial power or sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 'V.S.C. 37S1 et seq.) by requesting a foreclosure commissioner designated wder the Act to commence foreclosure auð to seI] the Properly as provided in the Act. Nothing in the precedWg Seøtence 6haU deprive the Seaet!Uy of any rights otherwise available to a Lender under this Paragraph 18 or applicable law. 19. Release. Upon payment of all sums secured by t) .j$ St;curity Instrument, Lender shall release this Security In5trument wiIho\.lt charge to Borrower. Borrower shall pay any recordation costs. 20. Waivers. Borrower waives all rigbÚl of homestead eXeJnpLion in the Property and relinqUÏ3hœ all rights of curtesy and dower in the }Jroperty. 21. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together witl1 this Security Insttument, the covenants of each such rider shall be incorporated into an(l &ball amend and supplemen.t the covelUUlIS and agreements of this Security Jn5trument as if the rlder(s) were a parr of t:his Security lnOOnnent. [Check applicable box(es)], U Condominium Rider 0 Growing Equity Rider 0 Other [specify] o Planned Unit Developmenr Rider 0 Graduated Payment Rider _-4RIWY (11601\1,01 ÞI~e7 oro rnltlalsC ~ 1\ ú00104 BY SlGNING BELOW, Borrower acceptS and agrees to the terms contained in this SecuIity Instrwnent and in any rider(s) executed by Borrower 9Jld recorded with it. Witnesses: ~~y~ JASONP ~CHIB ~ (Seal) -Bo.rrower (Seal) -BquQwer , (Seal) -SO'(Tow~r (Seal) -Borrowel' (Seat) ·Borro)V~r (Seal) ·Borrowc:r (Seal) -Borrower (Seal) -B(Jrrower STATE OF WYOMING, L Nlo/ r'-. County ss: The foregoing instrUment was acknowledged before me this APRIL 11:l'H, 2008 (dale) by JASON P ARCHlWUoD (person l\oknowlcd8ing) My Commission ~Pire~()..A.~ J:¿ J c5¿{)09 ~J¡'fJÅ.a() NolAzy Publk O~(l~ / . ~~~:,,,*.~.:..H':,f";.s:'..--..:c..:....:':'~.--:,,,~.,,,,~'1It'$",'o!~:' DEBORAH 1\, [j(;\',¿;, - i!Qli\RY PU6L.lC COUNTY OF LINCOLN STATE OF WYOMING ... ..'..,........- . G@4RIWY) 19604 .01 pagtD olD ~\>~