HomeMy WebLinkAbout938307
Recording Requested by &
When Recorded Return To:
US Recordings, Inc.
2925 Country Drive
St. Paul, MN 55117
Prepared By: 75'0 L/ .2. t./ DU
MICHELLE TENNISON
RECEIVED 4/16/2008 at 12:46 PM
RECEIVING # 938307
BOOK: 692 PAGE: 130
JEANNE WAGNER
LINCOLN COUNTY CLERK, KEMMERER, WY
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THIS MORTGAGE is made this 2nd
I
Mortgagor. I
STEPHANIE MICHEL, lAND MARK MICHEL, WIFE AND HUSBAND AS JOINT TENANTS
T008-020437
00019057485204008
[Escrow/Closing #]
[Doc ID #]
MORTGAGE
MIN 1001337-0003058523-9
day of APRIL, 2008
. between the
(herein "Borrower"), and the Mortgagee, Mortgage Electronic Registration Systems, Inc. ("MERS"), (solely as
nominee for Lender, as hereinafter defined, and Lender's successors and assigns). 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,
COUNTRYWIDE BANK, FSB
A FED SVGS BANK
("Lender") is organized and existing under the laws of THE UNITED STATES . and ha<; an
address of
1199 North Fairfax St. Ste.500, Alexandria, VA 22314
WHEREAS. BOlTOwer is indebted to Lender in the principal sum of U.S. $36,500.00 , which
indebtedness is evidenced by Borrower's note dated APRI L 02, 2008 and extensions and renewals
there0f (herein "Note"), providing for monthly installment<; of principal and interest. with the balance of
indebtedness. if not sooner paid. due and payable on MA Y 01, 2038
WYOMING - SECOND MORTGAGE - 1/80 - FNMAlFHLMC UNIFORM INSTRUMENT WITH MERS
M Second Mortgage-WY
1 076N-WY (04/07)(d/i)
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Û00131.
DOC ID #: 00019057485204008
TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; the
payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this
Mortgage; and the performance of the covenants and agreements of Borrower herein contained, Borrower does
hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and
assigns) and to the successors and assigns of MERS, with power of sale, the following described property
located in the County of LINCOLN , State of Wyoming:
SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF.
which has the address of
92 EAST STREET, STAR VALLEY RANCH
[Street,City]
Wyoming 83127-1357 [ZIP Code] (herein "Property Address");
TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights,
appurtenances and rents, all of which shall be deemed to be and remain a part of the property covered by this
Mortgage; and all of the foregoing, together with said property (or the leasehold estate if this Mortgage is on a
leasehold) are hereinafter referred to as the "Property." Borrower understands and agrees that MERS holds only
legal title to the interests granted by Borrower in this Mortgage; but, if necessary to comply with law or custom,
MERS, (as nominee for Lender and Lender's successors and assigns), has the right: to exercise any or all of those
interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required
of Lender including, but not limited to, releasing or canceling this Mortgage.
Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to
mortgage, grant and convey the Property, and that the Property is unencumbered, except for encumbrances of
record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all
claims and demands, subject to encumbrances of record.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and Interest. B011'OWer shall promptly pay when due the principal and interest
indebtedness evidenced by the Note and late charges as provided in the Note.
2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower
shall pay to Lender on the day monthly payments of principal and interest are payable under the Note, until the
Note is paid in full, a sum (herein "Funds") equal to one-twelfth of the yearly taxes and assessments (including
condominium and planned unit development assessments, if any) which may attain priority over this Mortgage
and ground rents on the Property, if any, plus one-twelfth of yearly premium installment') for hazard insurance,
plus one-twelfth of yearly premium installments for mortgage insurance, if any, all ac¡ reasonably estimated
initially and from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof.
Borrower shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes
such payments to the holder of a prior MOltgage or Deed of Trust if such holder is an institutional Lender.
If Borrower pays Funds to Lender, the Funds shall be held in an institution the deposits or accountc¡ of
which are insured or guaranteed by a federal or state agency (including Lender if Lender is such an institution).
M Second Mortgage-WY
1 076N-WY (04107)
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DOC 1D #: 00019057485204008
Lender shall apply the Funds to pay said taxes, a<;sessment<;, insurance premiums and ground rent<;. Lender may
not charge for so holding and applying the Funds, analyzing said account or verifying and compiling said
assessments and bills, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to
make such a charge. Borrower and Lender may agree in writing at the time of execution of this Mortgage that
interest on the Funds shall be paid to Borrower, and unless such agreement is made or applicable law requires
such interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds.
Lender shall give to Borrower, without charge, an annual accounting of the Funds showing credits and debits to
the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged a., additional
security for the sums secured by this Mortgage.
If the amount of the Funds held by Lender, together with the future monthly installments of Fund., payable
prior to the due dates of taxes, a.,sessments, insurance premiums and ground rents, shall exceed the amount
required to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall
be, at Borrower's option, either promptly repaid to Borrower or credited to Borrower on monthly installments of
Funds. If the amount of the Funds held by Lender shall not be sufficient to pay taxes, assessments, insurance
premiums and ground rents as they fall due, Borrower shall pay to Lender any amount necessary to make up the
deficiency in one or more payments as Lender may require.
Upon payment in full of all sums secured by this Mortgage, Lender shall promptly refund to Borrower any
Funds held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired by
Lender, Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by
Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this
Mortgage.
3. Application of Payments. Unless applicable law provides otherwise, all payments received by
Lender under the Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts
payable to Lender by Borrower under paragraph 2 hereof, then to interest payable on the Note, and then to the
principal of the Note.
4. Prior Mortgages and Deeds of Trust; Charges; Liens. Bon-ower shall perform all of Borrower's
obligations under any Mortgage, Deed of Trust or other Security Agreement with a lien which has priority over
this Mortgage, including Bon-ower's covenant<; to make payments when due. Borrower shall payor cause to be
paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain
a priority over this Mortgage, and leasehold payment<; or ground rents, if any.
5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire, hazards included within the term "extended coverage," and such other
hazards as Lender may require and in such amounts and for such periods as Lender may require.
The insurance carrier' providing the insurance shall be chosen by Borrower subject to approval by Lender;
provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof
shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form
acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof, subject to the terms
of any Mortgage, Deed of Trust or other Security Agreement with a lien which ha., priority over this Mortgage.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may
make proof of loss if not made promptly by Borrower.
If the Property is abandoned by Borrower, or if BOlTower fails to respond to Lender within 30 days from
the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance
benefits, Lender is authOlized to collect and apply the insurance proceeds at Lender's option either to restoration
or repair of the Property or to the sums secured by this Mortgage.
6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit
Developments. Boo'ower shall keep the Property in good repair and shall not commit waste or permit
impairment or deterioration of the Property and shall comply with the provisions of any lease if this Mortgage is
on a leasehold. If this Mortgage is on a unit in a condominium or a planned unit development, BOlTower shall
perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium
or planned unit development, the by-laws and regulations of the condominium or planned unit development, and
constituent documents.
M Second Mortgage-WY
1076N-WY (04107)
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7. Protection of Lender's Security. If Borrower fails to perfonn the covenant~ and agreement~
contained in this Mortgage, or if any action or proceeding is commenced which materially affect~ Lender's
interest in the Property, then Lender, at Lender's option, upon notice to Borrower, may make such appearances,
disburse such sums, including reasonable attorneys' fees, and take such action as is necessary to protect Lender's
interest. If Lender required mortgage insurance a~ a condition of making the loan secured by this Mortgage,
Borrower shall pay the premiums required to maintain such insurance in effect until such time as the requirement
for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law.
Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall
become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to
other tenns of payment, such amounts shall be payable upon notice from Lender to Borrower requesting
payment thereof. Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any
action hereunder.
8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the
Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable
cause therefor related to Lender's interest in the Property.
9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in
connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of
condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any Mortgage, Deed of
Trust or other Security Agreement with a lien which ha~ priority over this Mortgage.
10. 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 Mortgage granted by Lender to any successor in
interest of Borrower shall not operate to release, in any manner, the liability of the original Bon-ower and
BOl1'ower's successors in interest. Lender shall not be required to commence proceedings against such successor
or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by
rea~on of any demand made by the original Borrower and Borrower's successors in interest. Any forbearance by
Lender in exercising any right or remedy hereunder, or otherwise afforded by applicable law, shall not be a
waiver of or preclude the exercise of any such right or remedy.
11. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenant~ and
agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and
assigns of Lender and Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreement')
of Bon-ower shall be joint and several. Any Borrower who co-signs this Mortgage, but does not execute the
Note, (a) is co-signing this Mortgage only to mortgage, grant and convey that Borrower's interest in the Property
to Lender under the terms of this Mortgage, (b) is not personally liable on the Note or under this Mortgage, and
(c) agrees that Lender and any other Borrower hereunder may agree to extend, modify, forbear, or make any
other accommodations with regard to the terms of this Mortgage or the Note without that Borrower's consent and
without releasing that BOl1'0wer or modifying this Mortgage a~ to that Borrower's intere~t in the Property.
12. Notice. Except for any notice required under applicable law to be given in another manner, (a) any
notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by
certified mail addressed to BOl1'0wer at the Property Address or at such other address a~ Borrower may designate
by notice to Lender a~ provided herein, and (b) any notice to Lender shall be given by certified mail to Lender's
address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein.
Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given
in the manner designated herein.
13. Governing Law; Severability. The state and local laws applicable to this Mortgage shall be the laws
of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of
federal law to this Mortgage. In the event that any provision or clause of this Mortgage or the Note conflicts with
applicable law, such conflict shall not affect other provisions of this Mortgage or the Note which can be given
effect without the conflicting provision, and to this end the provisions of this Mortgage and the Note are declared
to be severable. As used herein, "costs," "expenses" and "attorneys' fees" include all sums to the extent not
prohibited by applicable law or limited herein.
M Second Mortgage-WY
1076N-WY (04107)
Page 4 of 7
Form 3851 Amended 2/01
ÜOO1.34
DOC ID #: 00019057485204008
14. Borrower's Copy. Borrower shalI be furnished a conformed copy of the Note and of this Mortgage at
the time of execution or after recordation hereof.
15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any home
rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with Lender. Lender, at
Lender's option, may require Borrower to execute and deliver to Lender, in a form acceptable to Lender, an
assignment of any right,>, claims or defenses which Borrower may have against parties who supply labor,
materials or services in connection with improvements made to the Property.
16. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or
any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower
is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate
payment in full of all sums secured by this Mortgage. However, this option shall not be exercised by Lender if
exercise is prohibited by federal law as of the date of this Mortgage.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide
a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay
all sums secured by this Mortgage. If Borrower fails to pay these sums prior to the expiration of this period,
Lender may invoke any remedies permitted by this Mortgage without further notice or demand on Borrower.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of
any covenant or agreement of Borrower in this Mortgage, including the covenants to pay when due any
sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in
paragraph 12 hereof specifying: (1) the breach; (2) the action required to cure such breach; (3) a date, not
less than 10 days from the date the notice is mailed to Borrower, by which such breach must be cured; and
(4) that failure to cure such breach on or before the date specified in the notice may result in acceleration
of the sums secured by this Mortgage. The notice shall further inform Borrower of the right to reinstate
after acceleration and the right to bring a court action to assert the nonexistence of a default or any other
defense of Borrower to acceleration and sale. If the breach is not cured on or before the date specified in
the notice, Lender, at Lender's option, may declare all of the sums secured by this Mortgage to be
immediately due and payable without further demand and may invoke the power of sale and any other
remedies permitted by applicable law. Lender shall be entitled to collect all reasonable costs and expenses
incurred in pursuing the remedies provided in this paragraph 17, including, but not limited to, reasonable
attorneys' fees.
If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to
the person in possession of the Property, if different, in accordance with applicable law. Lender shall mail
a copy of a notice of the sale to Borrower in the manner provided in paragraph 12 hereof. Lender shall
publish the notice of sale and the Property shall be sold in the manner prescribed by applicable law.
Lender or Lender's designee may purchase the Property at any sale. The proceeds of the sale shall be
applied in the following order: (a) to all reasonable costs and expenses of the sale, including, but not
limited to, reasonable attorneys' fees and costs of title evidence; (b) to all sums secured by this Mortgage;
and (c) the excess, if any, to the person or persons legally entitled thereto.
18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this
Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to
enforce this Mortgage discontinued at any time prior to the earlier to occur of (i) the fifth day before sale of the
Property pursuant to the power of sale contained in this Mortgage or (ii) entry of a judgment enforcing this
Mortgage if: (a) Borrower pays Lender alI sums which would be then due under this Mortgage and the Note had
no acceleration occurred; (b) Borrower cures an breaches of any other covenants or agreements of Borrower
contained in this Mortgage; (c) Borrower pays all reasonable expenses incurred by Lender in enforcing the
covenant,> and agreement'> of Borrower contained in this Mortgage, and in enforcing Lender's remedies as
provided in paragraph 17 hereqf, including, but not limited to, reasonable attorneys' fees; and (d) Borrower takes
such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the
Property and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired. Upon
M Second Mortgage-WY
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Form 3851 Amended 2/01
000135
DOC ID #: 00019057485204008
such payment and cure by Borrower, this Mortgage and the obligations secured hereby shall remain in full force
and effect as if no acceleration had occurred.
19. Assignment of Rents; Appointment of Receiver; Lender in Possession. As additional security
hereunder, BOlTOwer hereby assigns to Lender the rent'; of the Property, provided that Borrower shall, prior to
acceleration under paragraph 17 hereof or abandonment of the Property, have the right to collect and retain such
rents a,; they become due and payable.
Upon acceleration under paragraph 17 hereof or abandonment of the Property, and at any time prior to the
expiration of any period of redemption following judicial: sale, Lender, in person, by agent or by judicially
appointed receiver, shall be entitled to enter upon, take possession of and manage the Property and to collect the
rents of the Property including those past due, All rents collected by Lender or the receiver shall be applied first
to p~yment of the costs of management of the Prope11y and collection of rents, including, but not limited to,
receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this
Mortgage. Lender and the receiver shall be liable to account only for those rent'; actually received.
20. Release. Upon payment of all sums secured by this Mortgage, Lender shall relea,;e this Mortgage
without charge to BOlTOwer. Borrower shall pay all costs of recordation, if any.
21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the Property.
REQUEST FOR NOTICE OF DEFAULT
AND FORECLOSURE UNDER SUPERIOR
MORTGAGES OR DEEDS OF TRUST
Borrower and Lender request the holder of any Mortgage, Deed of Trust or other encumbrance with a lien
which has pr~ority over this Mortgage to give Notice to Lender, at Lender's address set forth in this Mortgage, of
any default under the superior encumbrance and of any sale or other foreclosure action.
IN WI1NESS WHEREOF, Borro::~~ed this ~ort age.
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MARK MICHEL
- Borrower
.. Borrower
.. Borrower
- Borrower
(Sign Original Only)
M Second Mortgage-WY
1076N-WY (04/07)
Page 6 of 7
Form 3851 Amended 2/01
0001.36
STATE OF WYOMING,
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by
~:J¡;ué.¿{/?d~
5!;f'i?/tt¿)o II
Notary Public
TERESA K. ANDERSON. NOTARY PUBLIC
County of ' St t f
Lincoln a e.o
WyomIng
My CommIssion Expires September 22, 2011
M Second Mortgage-WY
1076N-WY (04/07)
Page 7 of 7
Form 3851 Amended 2/01
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DOC ID #: 00019057485204008
PLANNED UNIT DEVELOPMENT RIDER
THIS PLANNED UNIT DEVELOPMENT RIDER is made this SECOND day of
APEIL, 2008 , and is incorporated into and shall be deemed to amend and supplement
the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date, given by
the undersigned (the "Borrower") to secure Borrower's Note to
COUNTRYWIDE BANK, FSB
(the "Lender") of the same date and covering the Property described in the Security Instrument and
located at:
92 EAST STREET, STAR VALLEY RANCH, WY 83127-1357
[Property Address]
The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with
other such parcels and certain common areas and facilities, as described in
THE COVENANTS, CONDITIONS, AND RESTRICTIONS FILED OF RECORD
THAT AFFECT THE PROPERTY
MUL TISTATE PUD RIDER - Single Family/Second Mortgage
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(the "Declaration"). The Property is a part of a planned unit development known as
STAR VALLEY RANCH
[Name of Planned Unit Development]
(the "PUD"). The Property also includes Borrower's interest in the homeowners association or
equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners
Association") and the uses, benefits and proceeds of Borrower's interest.
PUD COVENANTS. In addition to the covenants and agreements made in the Security
Instrument, Borrower and Lender further covenant and agree as follows:
A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's
Constituent Documents. The "Constituent Documents" are the: (i) Declaration; (ii) articles of
incorporation, trust instrument or any equivalent document which creates the Owners Association; and
(iii) any by-laws or other rules or regulations of the Owners Association. Borrower shall promptly pay,
when due, all dues and assessments imposed pursuant to the Constituent Documents.
B. Hazard Insurance. So long as the Owners Association maintains, with a generally accepted
insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender
and which provides insurance coverage in the amounts (including deductible levels), for the periods,
and against loss by fire, hazards included within the term "extended coverage," and any other
hazards, including, but not limited to, earthquakes and floods, for which Lender requires insurance,
then: (i) Lender waives the provision in Uniform Covenant 2 for the monthly payment to Lender of the
yearly premium installments for hazard insurance on the Property; and (ii) Borrower's obligation under
Uniform Covenant 5 to maintain hazard insurance coverage on the Property is deemed satisfied to the
extent that the required coverage is provided by the Owners Association policy.
What Lender requires as a condition of this waiver can change during the term of the loan.
Borrower shall give Lender prompt notice of any lapse in required hazard insurance coverage provided
by the master or blanket policy.
In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair following
a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to
Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the
sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to
Borrùwer.
C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure'
that the Owners Association maintains a public liability insurance policy acceptable in form, amount,
and extent of coverage to Lender.
D. Condemnation. The proceeds of any award or claim for damages, direct or consequential,
payable to Borrower in connection with any condemnation or other taking of all or any part of the
Property or the common areas and facilities of the PUD, or for any conveyance in lieu of
condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by
Lender to the sums secured by the Security Instrument as provided in Uniform Covenant 9.
. -207R (0411) CHL (12/05)
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DOC ID #: 00019057485204008
E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's
prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or
termination of the PUD, except for abandonment or termination required by law in the case of
substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent
domain; (ii) any amendment to any provision ofthe "Constituent Documents" if the provision is for th,e
express benefit of Lender; (iii) termination of professional management and assumption of
self-management of the Owners Association; or (iv) any action which would have the effect of
rendering the public liability insurance coverage maintained by the Owners Association unacceptable
to Lender.
F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender may
pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of
Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of
payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall
be payable, with interest, upon notice from Lender to Borrower requesting payment.
,,,/
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(Seal)
- Borrower
(Seal)
- Borrower
(Seal)
- Borrower
(Seal)
- Borrower
. -207R (0411) CHL (12/05)
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EXHIBIT A
ALL THAT CERTAIN TRACT, LOT, PIECE, AND PARCEL OF LAND
SITUATED IN THE COUNTY OF LINCOLN, STATE OF WYOMING, AND
DESCRIBED AS FOLLOWS TO-WIT:
000140
LOT 32 OF STAR VALLEY RANCH PLAT 21, LINCOLN COUNTY,
WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF.
SUBJECT, HOWEVER, TO ALL RESERVATIONS, RESTRICTIONS,
PROTECTIVE COVENANTS EXCEPTIONS, EASEMENTS AND
RIGHTS-OF-WAY OF RECORD, OR IN USE.
ADDRESS: 92 EAST STREET; STAR VALLEY RANCH, WY 83127 TAX
MAP OR PARCEL ID NO.: 3-418-05-308046-00
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