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HomeMy WebLinkAbout939755 7 ( ,. ¿q ...; J' t' ) u It! '\ ......." 6010816759 Return To: Bank of the West Post Closing 13505 California St. NE~BBP-LL-P Omaha, NE 68154 RECEIVED 6/13/2008 at 2:26 PM RECEIVING # 939755 BOOK: 697 PAGE: 107 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY Prepared By: Donna J Magnuson 13505 California Bt OwIha, ME 68154 ÜOC1.07 ISpace Above TJII~ Line For Recor¡}lng Data) MORTGAGE MIN lOOlD4D88a04326235 DEFOOTIONS 5 Words used in multiple sections of this docUItlent are defined below and other WOJ'ds are defined In Sections 3, II, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also prov1ded in Section 16. (A) "Security Instruluent" means this document, which IS datedJuns 09, 2008 together with IÙ1 Riders to this documei1t. (B) "Borrower" is MICHA2L A KRELL and JANELLE J KRELL, HUSBAND AND WII/'E Borrower 1S the mortgagor under tms Security Instrument. (C) "MERs" is Mortgage Electroníc Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS Is the mortgagee under this Security Instrument. MERS is orgaruzed 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. 8800432623 8800432623 WYOMING-Single Famlly-Fannl" Mae/Fred<lle Mac UNIFORM INSTRUMENT WITH MI:RS Form 3051 1/01 . .6A(WY) (OOO~ .03 ~ J I ÞaQ.rDI1$ In",oI"~ ¡JZ.., ( VMP MorIQ_g. Sol. lion., Inc, é'OG1.08 (0) ''Lènðer'' is Bank of !:he Wes!:, a California state banking co;rp. Lender is a oorporation organized and existlllg under the laws of The State of California Lender's address is 13505 California St, NE-J3BP-LL-P, omaha, NE 68154 (E) "Note" means the promissory note signed by Borrower and dated June 09, 2008 The Note states that BorrOWQr owes Lender One Hundred Ninety Two Thousand Four Hundred And Zaro/lOO Dollars (U.S. $192,400. PO ) plus intere¡¡t. Borrower haa promised to pay this debt in regular Periodic Payments and to pay the debt In fun not latðr than July 01, 20.2 3 (F) "PrDperty" means the property that IS de¡¡cribed below under the heading "Transfer of Rights in Ù1e Property. " (G) ''Loan'' means the debt evidenced by the Note, plus Interest, any prepayment charges and late charges due under the Note, and aU sums due under Ù1is Secunty Instrument, plus interest, (H) "Riders" means all Riders to th.Îs Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box 113 applicable]; o Adjustable Rate Rider D Balloon Rider DVARider D Condolninìum Rider D Second Home Rider B Planned Unit Development Rider B 1-4 Family Rider Biweekly Payment Rider Other(¡¡) [specify] (1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulatlOns, ordinances and administrative rule¡¡ and orders (that have the effect of law) as well as all applicable final, non-appealable Judicial opmions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are Imposed on Borrower or the Property by a condominium association, homeowners 33soclation or sImilar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transactlon ongmated by check, draft, or smn1ar paper instrument, which 18 initiated through an electrolUc terminal, telephonic instrument, computer, or magnehc tape so as to order, mstruct, or authorize a financial institution to debit or credit an account. Such term include¡¡, but is not limited to, point-of-sale trlU1Sfers, automated teller machine transactions, transfers ¡rutiated by telephone, wire transfers, and automated clear1Dghouse transfers. (L) ''Escrow Items" means those items that are described in Section 3. (M) ''Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages de~cnbed in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnatIOn or other taking of all or any part of the Property; (iii) conveyance In lieu of condemnation; or (iv) IlUsrepresentations of, or onussions as to, the value and/or condition ofthe Property. (N) "Mortgage Insurance" means insurance protectmg Lender agamst the nonpayment of, or default on, the Loan. (0) ''Periodic Payment" means the regularly scheduled amount due for (i) pnncipal and interest under the Note, plus (ii) any amounts under Section 3 of this SecUIIty Instrument. (P) ''RESP A" means the Real Estate Settlement PrDcedmes Act (12 U. S. C. Section 2601 et seq,) and its Implementing regulatIOn, Regulation X (24 C.F.R. Part 3500), as they might be amended ûom time to time, or any additional or successor legislation or regulatlOn that governs the same subject matter. As used in this Secunty Instrument, "RESP A" refers to al1 requirements and rßljtrictlons that are Imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify 113 a "federally related mortgage loan" under RESP A. 8B00432623 ..6A(WY) (0006},03 ~ Pogo 2 of 15 w,,~~ 8800432623 Form 3051 1/01 \;.'0(,1.09 (Q) "Successor in Interest of Borrower" means any party that bas taken title to the Property, whether or not tbat party has assumed )3Qrrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security InstmmMt secures to Lender: (í) the repayment of the Loan, and an renewals, extensions and modifications of the Note; and (ii) the performance of )3Qrrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to tbe successors and assigns of MERS, with power of sale, the fonowmg described property located m the Counl:y of Linooln (Typ. of Rooordlng Jurisdiction] [Name of Recording JurJsdiclion] SEE ATTACHED MANUFACTURER'S SKRIAL/(VIN) # 17-04-101-02920AB HUD CERTIFICATION LABEL # IDA 209445 &: IDA 209446 MANUFACTtJRJI:R' S NAME CHAMPION HOMJrS TRADE/MOPKL SUPER GOOD PCKG DATE OF MANUFACTURE 11/24/03 "wHICH IS AFFIXED AND A'I"I'ACBED TO nIE LAND AND IS PART OF THB RKAL PROPBRTY" Parcel ill Number: 12 -2116 - 22 - 4- 03 - 033.00 &: 2022 RIDGBM'ONT PLACE Kemmerer ("Property Address"): which currently has the address of [Strçel] ICily] , Wyollllng 93101 [Zip Code] TOGETHER WITH all the Improvements now or hereafter erected on the property, and all easement¡¡, appurtenancoo, and flxturoo now or hereafter a part of the property. All replacements and additions shaH also be covered by this Security Instrument. AU of the foregoing is referred to in this. Securìty Instrument as the "Property." )3Qrrower understands and ,agrees that MERS holds only legal title to the mterests granted by Borrower In this Security Instrument, but, if necessary to comply with law or custom, MERS (as nommee for Lender and Lender~s successors and assigns) has the fight: to ~ercise any or all of those mterests, including, but not ,limited to, the right to forec1ose and sell the Property; II1ld to take any action requued of Lender mcluding, but not linuted to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower IS lawfully seIsed of the estate hereby conveyed and has the right to mortgage, grant and convey the Property II1ld that the Property IS unencumbered, except for encumbrances of record. Borrower warrll1lts and Will defend generally the title to the Property agamst all claims and demands, subject to any encumbrances of record. THIS SECtJRJTY ]NSTRUMENT combines uniform covenants for national use and non-uruform covenants with linuted variations by jurisdiction to constitute a uniform security Instrument covering real property. 8800432623 ..OA(WY) (0006).03 ~ pag'3 .r 16, ""pt 8800432623 Form 3051 1/01 t;:00110 UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due, the princIpal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument receIved by Lender as payment under the Note or this SecurIty Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made 111 one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provIded any such check is drawn 'upon an 1I1stitution whose deposIts are insured by a federal agency, Instrumentality, or entIty; or (d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated In the Note or at such other location as may be desIgnated by Lender in accordance with the notice provisions in Section 15, Lender may return any payment or partial payment if the payment or partial payments are insufficient to briag the Loan cùrrent. Lender may accept any payment or partial payment insufficient to br1l1g the Loan cl.U'rent, without waiver of any nghts hereunder or prejudice to Its rights to refuse such payment or partial payments in the future, but Lender IS not obligated to apply such payments at the time such payments are accepted. If each Penodic Payment lS applied as of its scheduled due date, then Lender nee{) not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable pellod of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure, No offset or claim which Borrower might have now or in the future against Lender shall relieve Borro~r from making payments due under the Note and this Security Instrument or performiag the covenants and agreements secured by this Security Instrument. Z. AppUcntion of Payments or Proceeds. Except as QtherwlSe described in this Section 2, all payments accepted and applied þy Lender shall be applied in the followmg order of pnonty: (a) interest due under the Note; (b) principal due under the NQte; (c) amount/; due under Section 3. Such payments shall be applied to each Penodic Payment In the order m which it became due. Any remaming amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the pnncipal bälance of the Note. If Lender receives a payment from Borrower for a delinquent Penodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment rece1Ved from Borrower to the repayment of the Penodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess eXIsts after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to pnncipal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shan pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a SUDl (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other Items which can attam priority over this SecurIty Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all Insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payabJe by Borrower to Lender 111 lieu of the payment of Mortgage Insurance prelUlums In accordance with the provIsiolJll of Section 10. These Items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may reqUire that Comm\UlIty Association Dues, Fees, and Assessments, If any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this SectlOn. Borrower shall pay Lender the FUllds for Escrow Items unless Lender Wa!ves Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waíve Borrower's obligatIOn to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such w8Jver, Borrower shaH pay directly, when and where payable, the amounts 8800432623 .. ·8A(WYI 10006).03 <r;> Pogo 40115 ""'1Jt- 8800432623 Form 3051 1/01 1- (>00111 duo for any Escrow Items for which payment of Funds has been W3.1ved by Lender and, if Lender requires, shall furnish to Lender receipts eVidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shan for all purposes be deemed to be a covenant and agreement conta.ined Ü1 this Security Instrument, as thß phræe "covenant and agreement" IS used in Section 9, If Borrower is obligated to pay Escrow Items directly, pursuant to a W3.1ver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or a11 Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower sha11 pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Le¡:\der may, at any time, collect and hold Funds in an amount (a) sufficient to permIt Lender to apply the Funds at the time specífied under RESPA, and (b) not to exceed the maximum amount a lender can reqwre under RESP A. Lender shalt estimate tho amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise III accordance with App1icable Law. ' The Funds shall be held in an institutíon whose deposits are msured by II federal agency, Illslrumentality, or entity (including Lender, if Lender is an institution whose deposit& are so insured) or Iß any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not cbarge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such II cbarge. Unless an agreement is made in writing or Applicable Law reqUires mterest to be paid on the Funds, Lender shaH not be required to pay Borrower any mterest or elU'nmgs on the Funds, Borrower and Lender can agree in writing, however, tbat interest shall be p3.1d on the Funds. Lender shall give to Borrower, without charge, an alll1ual accounting of the Funds as required by RESP A. If there IS a surplus of Funds held ill escrow, as defined under RESP A, Lender shall account to Borrower for the excess funds in accordance with RESP A. If there is a shortage of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amoWlt necessary to make up the shortage ill accordance with RBSPA, but in no more than 12 monthly payments. If there is a deficiency of Funds beld in escrow, as defined under RESP A, Lender shall notify Borrower as reqUired by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESP A, but in no more than 12 monthly payments, Upon payment in full of all sums secured by trus Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender, 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Communi ty ASsociatIon Dues, Fees, and Assossments, If any. To the extent that these items are Escrow Items, Borrower shall pay them In the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in wnting to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower IS perforl1Úng such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, leg¡¡l proceedings which In Lender's opinion oþerate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinatmg the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien whicb can attam priority over tbis Security Instrument, Lender may gIve Borrower a notice identifying the 8800432623 .-6A(WY) (0005¡.D3 >I> Paoe 5 of 16 .wtJc 8800432623 FQrm 3051 1/01 Ü00112 lien, Within J 0 days of the date on wroch that notice is given, Borrower shall satisfy the lien or take one or mOre of thl' actions set forth above in tills Section 4. Lender may reqUire Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan, 5. Property Insurance. Borrower sha1l keep the !mprovementß now eXIsting or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not lÍI11lted to, e;u-thquakes and floods, for which Lender requires insurance. This insurance shall be maintamed in the amounts (including deductible leveJs) and for tht.l periods that Lender reqUlIes. What Lender requµ'es pursuant to the preceding sentences can change during the term of the Loan. The Insurance carrier providing tht.l msurance shàU be chosen by Borrower subject to Lender's nght to disapprove Borrower's choice, which fight shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with tlJis Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent ch;u-ges each time remappmgs or similar changes occur which reasonably ought affect auch determination or certification. Borrower sball also be resPonsible for the payment of any fees impoaed by the Federal Emergency Management Agency m connection with the review of any flood zone determinatwn resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages descnbed above, Lender may obtam Insurance coverage, at Lender's ophon and Bon-ower's expense. Lender is ul1der no obligatiol1 to purchase any particular type or amoUnt of coverage. Therefore, such coverage shal1 cover Lender, but might or might not pr,otect Borrower, Borrower'lI eqUity in the Property, or the contents of the Property, against allY nsk, hazard or Jiability and might provide greater or lesser coverage than was prev!Ously m effect. Borrower acknowledges that the cost of the insurance coverage so obtained Illight significantly exceed the cost of msurancl:' tbat Borcower could have obtw.ned. Any amounts disbursed by Lender under this SectlOn 5 shall become additional debt of Borrower secured by this SecurIty Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance poJícies required by Lender and renewals of such policies ahall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee, Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premluma and renewal notices. If Borrower obtains any form of il18\IIance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a atandard mortgage c1auae and shall name Lender as mortgagee and/or as an addilionalloss payee. In the event of loss, Borrower shall give prompt notice to the Insurance carTIer and Lender. Lender may make propf of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree m writing, any msurance proceeds, whether or not the underlying insurance was reqwred by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the nght to hold such iIl8urance proceeds until Lender has bad an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may diaburse proceeds for the repau's and restoration 111 a single payment or in a series of progress payments as the work is completed. Unless an agreement 11> made In writing or Applicable Law requues interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower ·shall not be paid out of the insurance proceeds and shan be the sole obligation of Borrower. ]f the restoration or repw.r is not econonucally feasible or Lender! s security would be lessened, the msurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with 8800432623 Pogo 6 .r 15 '"".þ 8800432623 . -6A(WY) (0005),03 o Form 3051 1101 :,JL ÜOO1.1.3 the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for m SectlOn 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day penod wíll begin when the notice IS given, In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's fights to any insurance proceeds in an amount not to exceed the amounts \U1pald under the Note or this Secunty Instrument, and (b) any other of Borrower's ríghts (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or trus Security Instrument, whether or not then due. 6, Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the e¡cecutlOn of tlùs Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agree{¡ In writing, which consent shall not be unreasonably withheld, or uoless extenuating circumstances exIst which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspedlons. Borrower shall not destroy, damage or ImpaIr the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is resuling m the Property, Borrower shall mwntain the Property ill order to prevent the Property from deteriorating or decr!:38ing in value due to its condition, Unless it IS determined pursuant to Section 5 that repair ot restoration Is not economically feasible, Borrower shall p.romptly repair the Property if damaged to avoid further deterioration or damage. If insurill1ce or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsíble for repairing or restormg the Property only If Lender nas released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a serIes of progress payments as the work IS completed, If the insurance or condemnation proceeds are not sufficient to repaJr or restore the Property, Borrower IS not relieved of Borrower's obligation for the completion of such rep!Uf or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. ]f it has reasonable cause, Lender may InSpect tJle interior of the improyements on the Property. Lender shall giye Borrower notice at the time of or pnor to such an intenor inspection specifYing such reasonable cause. 8. Borrower's Loan Application. Borrower shall be III default If, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with matenal informal:1on) in connection with the Loan. MaterIal representations Include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the coyenants and agreements contained in this Security Instrument, (b) there IS a legal proceeding that might significantly affect Lender's Interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, thel1 Lender may do and pay for whatever is reasonable or appropnate to protect Lender's mterest in the Property and nghts under this Security Instrument, il1cluding protecting and/or assessing the value of the Property, and securing iII1d/or repairing the Prop~ty. Lender's actions can include, but are not liuùted to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing ill court; and (c) paYing reasonable 9900432623 ..SA(WY) (0005),03 (p Psg. 7 or 15 '""p B800432623 Form 3051 1/01 attorn~s' fees to protect its mtere.st in the Property andlor right:¡¡ under this Security Instrument, including Its secured position in a bankruptcy proceeding. Securing the Property inc1udes, but ís not limited to, entenng the Property to make repairs, change locks, replace or board up doors and windows, drain water from plpe.s, elimmate building or other code vlOlaûons or dangerous conditíol1B, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender mcurs no liabiJity for not taking any or 311 actions authorized under trus Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by tbis Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shaU be payable, with such intere.st, upon notice fi'om Lender to Borrower requesting payment. If'this Security Instrumont is on a leasehold, Borrower shall comply with aU the provisions of the lease. If Borrower acquue.s fee tltle to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in wnting. 10. Mortgflge Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the preffilWTIS reqUired to maintam the Mortgage Insurance In effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that pr\Niously proVIded such msurance and Borrower was reqUIred to make separately designated payments toward the prenuWTIs for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously In effect, at a cost substántially eqUIvalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage illSUIer selected by Lender. If substaI1tlally eqUivalent Mortgage Imrurance coverage IS not avaílable, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the Insurance coverage ceased to be in effect. Lender win accept, use and retam these payments as a non-refundable loss reselVe in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately pood in full, and Lender shall not be required to pay Borrower any Interest or e'arnlngs on such loss reserve. Lender can no longer requlIe loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an msurer selected by Lender again become.s available, is obtained, and Lender requíres separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premJ.UII:\S reqwred to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's reqUIrement for Mortgage Insurance ends in accordance with any written agreement between Borrower W1d Lender providing for such temunation or unti] tennination is required by Applicable Law. Nothing In this Section 10 affects Borrower's obligation to pay mterest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. BOlTower ]S not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such msurance III force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses, These agreements are on terms and conditions that are satisfactory to the mortgage msurer and the other party (or parties) to these agreements, These agreements may reqUIre the mortgage msureI to make payments usmg any source of funds that the mortgage insmer may have aVaJ.lable (wruch may include funds obtained from Mortgage Insurance premiums). Aß a rœult of the.se agreements, Lender, W1y purchaser of the Note, another msurer,any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or jo.directly) amounts that derive from (or nught be charactenzed as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharmg or modifying the mortgage Insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk In exchange for a share of the prennums paid to the insurer, the arrangement is often termed "captJve reinsurance." Fmther: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or flny other terms of the Loan. Sucb agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they wiD not entitle Borrower to any refund. BB00432623 8800432623 ""pr . .6A(WY) (0006),03 ~ Pago 8 .r 16 ('0(;114 Form 3051 1/01 (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the rlghtto receive certain disdosurcs, to request and obtain cancellation of the Mortgnge Insurance, to have the Mortgage Insurance terminated automntically, and/or to receive a refund of any Mortgage Insurance premiums tbât were unearned at tbe time of such canceUntion or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shaH be paid to Lender. If the Property JS damaged, such Miscellaneous Proceeds sha11 be applied to restoration or repair of the Property, if the restoration or repair is ecortonucally feasible and Lender's secunty 18 not lessened. During such repall' and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to lnspect such Property to ensure the work bas been completed to Lender's satisfaction, provided that BUch inspection shall be undertaken promptly, Lender may pay for the repairs and restoration ill a single disbursement or in a senes of progress payments as the work is completed. Unle.ss an agreement Î8 made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earwngs on such Miscellaneous Proceeds. If the restoration or repair 1S not economically feasible or Lender's secur1ty would be lessened, the Miscellaneous Proceeds shall be applied to the sruns secured by this Security IilSlrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order proVIded for m Section 2. In the event of a total taking, destruction, or loss In value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by tlús Security Instrument, whether or not then due, WIth the exceSIi, if any, paid to Borrower. In the event of a partial taking, destructIOn, or loss in value of the Property in which the fair market vahle of the Property immediately before the partial t!lking, destruction, or lol.lli In value 1.'1 equal to or greater than the amount of the sums secured by this Security Instrument 1l11111ediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in wrlting, the sums secured by this Security Instrument shaH be reduced by the amount of the Miscellaneous Proceeds multiplied by the folloWIng fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss m value divided by (b) the fair market value of the Property Immediately before the partial taking, deslruction, or loss in value. Any balance shall be paid to Borrower, III the event of a partial taking, destruCtiOIl, or loss 10 value of the Property in which. the fair market value of the Property lUID1ediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss III value, unle.ss Borrower and Lender otherwise agree in writing, the Miscellaneous Pròceeds shall be applied to the sums secured by this Secunty Instrument whether or not the sums are then due. Jf the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined ill the next sentence) offers to make an award to settle a clalm for damages, Borrower fails to respond to Lender wit1ún 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party agalIl8t whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whetler civíl or criminal, is begun t:hat, in Lender's Judgment, could result in forfeiture of the Property or other material Jmpainnent of Lender's Interest ill the Property or nght¡¡ ullder tills Security Instrument. Borrower can cure such a default and> if acceleration has occurred, remstate as provided in Sedion 19, by causing the action or proceeding to be di¡;uússed with a ruJing that, In Lender's Judgment, precludes forfeiture of thC} Property or other material impwrment of Lender's interest In the Property or right¡¡ under this SecU1'lty Instrument. The proceeds of any award or clalm for damagC8 that are attributable to the impwrment of Lender's IIlterest in the Property are hereby assigned and shall be paid to Lender, All Miscellaneous Proceeds that are not applied to restoration or repaIr of the Property shall be applied in the order prov1ded for in Section 2, 8800432623 .-6A(WY} (00051.03 @ 8800432623 w"þc- PODS' 9 of 15 Form 3051 1101 ('OG115 (;.'00:116 12. Borrower Not Released; FQrbenrance By Lender Not a Waiver. ExtenslOn of the time for þayment or modificatlon of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors III Interest of Borrower, Lender .shall not be required to commence proceedings against any ,Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modity amortization of the sums secured by this SeculIty Instrument by reason of any demand made by the onglnal Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy inclucting, without limitation, Lender' s acc~tance of payments ftom third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, sha11 not be a waiver of or preclude the exercise of any right or remedy, 13. Joint IInd Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower' ¡¡ obligations and liability ¡¡hall be jomt and several. However, any Borrower who co-signs this Security Il18trument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the SUDl8 secured by this Secunty Ins~ent; and (c) agrees that Lender and any other Borrower can agree to extend, moctify, forbear or make any accommodations with regard to the terms of this Secunty Il18trument or the Note without the co-slgner's consent, Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's fights and benefits under this Security Instrument. Borrower shall not be released from Borrower's ob1igatiol18 and liability under this SecUlity Il18trument unless Lender agrees to such release m writing. The covenants and agreements of this Security Instrument shall bind (except as provided In Section 20) and benefit the succesSOi'S and assIgns of Lender. 14. wan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest In the Property and fights under this Security Instrument, including, but not limited to, attorneys' fees, property Il18pection and valuation fees. In regard to any other fees, the absence of express authority in this Security InStrument to charge a speclfic fee to Borrower shall not be cOl18trued as a prohibition on the charging of such fee, Lender may not charge fees that are expressly prohibited by this Security Instrument Or by Applicable Law. If the Loan IS subject to a law which sets maximum loan charges, and that law IS finally mterpreted so that the Interest or other loan charges co11ected or to be collected in connection WIth the Loan exceed the permltted linuts, then; (II) any such 10M charge shall be reducOO by the amount necessary to reduce the charge to the permitted linut; and (b) any sums already co11ected ftom Borrower which exceeded permitted limits w1l1 be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces· principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge IS prQvided for under the Note). Borrower's acceptance of any Iffich refund made by direct payment to BOl'fower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection Wlth this Security Instrume!1t must be In wnting. Any notice to Borrower in connection With this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to al1 Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated. a substitute notice address by notice to Lender, Borrower shall promptly notitY Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only repon a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be gIVen by delivering it or by mai1ing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Il18trument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement WIll satisfy the corresponcting requirement under this SecUlity Il18trument. 8800432623 S·6A(WY) (0006),03 ~ Pogo 10 01 16 InIUols: \¡\ Þ.lt- J~/( BB00432623 Form 3051 1/01 \;"OG1.1. 7 16. Governing Law; Sçverability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the Jurisdiction in which the Pmperty is located. All rights and obligatioI1S contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used m this Security Instrument: (a) words of the masooline gender sha11 mean and include corresponding neuter words or words of the femmine gender; (b) words in the singular shall mean and mc1ude the plural and Vlce versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. BolTower shall be given one copy of the Note and of this Secunty Instrument, 18. Transfer of the Property or ft Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, includil1g, but not limited to, those beneflcÍlù interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a fuwe date to II purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or If BOlTower IS not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's pnof written consent, Lender may require Immediate payment in fun of all sums secured by this Secµrity Instrument, However, this option shall not be. exercISed by Lel1der If such exercise is prohibited by Applicable Law. If Lender exerclses 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 gIven in accordance with Section 15 Within which Borrower must pay all SUlTl8 secured by this Security Instrument. If Borrower fails to pay these sums prior to the expuation of trus period, Lender may Invoke any remedies permitted by this Secunty Instnunent Without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certa.i11 conditions, Borrower s11a11 bave the fight to bave enforcement of this Security Instrument discontinued at any time pnor to the earliest of: (a) five days before sale of the Property pursuant to any fower of sale contamed in this Secunty Instrument; (b) such other periOd as Applicable Law might specify for the termÎl1ation of Borrower's right to reinstate; or (c) entry of a Judgment enforcmg this Securlty Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcmg this Secunty Instrument, IIlcluding, but not limited to, reasonable attorneys' fees, property inspection and valuation fe,e¡¡, and other fees mC\UTed for the purpose of protectmg Lender's interest in the Property and rights W1der this Security Instrumel1t; and (d) takes such action as Lender may rellSonably reqwre to assure that Lender's interest in the Property and nghts under this Securlty Instrument, and Borrower's obligatIon to pay the sums secured by this Security Instrument, shall continue unchanged, Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the folloWlllg forms, as selected by Lender: (a) clISh; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provIded any such check is drawn upol1 an institution whose deposIts are msured by a federal agency, Instrumentality or entity; or (d) Electronic FW1ds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleratiOI1 had occurred. However, this nght to rell1state shall not apply III the case of acceleration under SectIOn 18. 20. Sale of Note; Change of Loan' Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to BolTower. A sale might result m a change in the entity (known as the "Loan ·Servlcer") that collects Perioclic Payments due under the Note and this Security, Instrument and performs other mortgage lOWl servIcing obligatIons under the Note, this SecurIty Instrument, and Applicable Law, There also might be one or more changes of the Loan ServICer unrelated to a sale of the Note. If there IS a change oIthe Loan Servicer, Borrower will be given wrÜten notice of the change which will state the name and address of the new Loan Servlcer, the address to which payments should be made and any other information RESP A 8800432623 . -6A(WY) (0006).03 <P fog. 11 0115 "pr 8800432623 Form 3051 1/01 \2'00118 requires Í11 connection with a notice of tran.sfer of serVlcing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purcba8er. Neither Borrower nor Lender may commence, jom, or be jomed to any Judicial action (as either an indivIdual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges tbat the other party has breached any provÍsion of, or any duly owed by reason of, this Secu.rity Instrument, until such Borrower or Lender hæ notified the other parly (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable peIJod after the giving of such notice to take corrective actIon. If Applicable Law provides Ii time period which must elapse before certaln action can be taken, that time period will be deemed to be rea80nable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to SectIOn 18 shall be deemed to satisfy the notice and opporturuty to take corrective action provisions of this Section 20. 21. H¡u;ardous Substances. As used m this SectIon 21: (a) "Hazardous Substances" are those substances defined as tOXlC or hazardous substances, pollutants, or wastes by Environmental Law and tbe following substances: gasoline, kerosene, other flammable or tOXIC petroleum products, toxic pestIcIdes and herbicides, volatile solvents, matenals contalClÍllg asbestos or formaldehyde, and radioactIve materials; (b) "EnVlIonmental Law" means federal laws and lmvs of the JurisdictIOn where the Property IS located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwIse trigger an Environmental Cleanup. Borrower shall DOt cause or peruút the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to·release any Hazardous Substances, on or in the Properly. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) tbat is in violation of any Environmental Law, (b) which creates an EnVlronmental Condition, or (c) which, due to the presence, use, or release of a H¡u;ardous Substance, creates a condition that adwrsely affects the value of the Property. The preceding two sentences sha11 not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal resIdential uses and to IIlIUntenance of the Properly (including, but not limited to, hazardous substances in conSUmer products). Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsUit or other action by any governmental or regulatory agency or private party involvmg the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not liuúted to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any pnvate party, that any removal or other remediation of any Hazardous Substance affecting the Property IS necessary, Borrower shall promptly take an nec~ary remedial actIOns in accordance with EnvIronmental Law. Nothing herem shaH create any obligation on Lender for an Envlronmental Cleanup. 8800432623 ..OA(WY) (0005),O~ ~ Peo. 12 of 15 Inlllal.MtVc.. J~/( 8800432623 Form 3051 1/01 ë'00119 NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration foUowing Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the ilction required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by wllich the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and t,he right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If tIle default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale !U1d any other remedies permitted by App1icable Law. Lender shaU be entitled to collect all expenses incurred in pursuing the remedies provided in tbis Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. 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 give notice oC the sale to Borrower in the manner provided in Section 15. Lender shoJI publish the notice of sale, and the Property shAll be sold in tbe manner prescribed by Applicable Law. Lender or its designee may purcbase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by tlús Security Instrument, Lender shall release thís Security Instrument. Borrower shall pay any recordatJon costs. Lender may charge Borrower a fee for releasíllg this Security Instrument, but only if the fee 1S paid to a trued party for services rendered and the charging of the fee is penmtted. u!1der Applicable Law, 24. Waivers. Borrower releases and waives all nghta ullder and by virtue of the homestead exemption laws of WyonUng. 8800432623 ..6A(WY) (0006).03 ~ P.~. 13 of 16 '.'§1i: BB00432623 Form 3051 1/01 Ü00120 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Ridèr executed by Borrower and recorded with it. Witnesses; (Seal) -Borrower (Seal) -BorrowOJ' (Seal) -Borrowr-r 8800432623 ~-6A(WY) (0006}.03 ~ F 74L1 (Seal) -Borrower MICHAEL A KRELL /d( (Seal) -Borrower (Seal) -BolTowr-r (Seat) -Borrower (Seal) -BoIrowor 8800432623 Pa9814 .115 Form 3051 1101 STATE OF WYOMING, Lincoln The foregoíng instrument was acknowJedged befor~ me this JW1e 09, 2008 by kICHABL A KRELL and JANELLE J KRELL My Commission ExpIre¡¡; tJ'zþGþð / / COUNTY OF LINCOLN ~ LORllíALAN - NOTARY PUBLIC STATE OF WYOMING My Commissloo Expires Feb, 26, 2011 "-.~J"~-;,"""-.r,,"",,!9~ 8800432623 . .GAIWYI (0005),D3 <s> ~\OO1.21. County 55: cß2~ ~ N olney Public Pag.,S of 15 '"""pt- 8800432623 Form 3051 1/01 Exhibit A File 6010816759 Description Ü00122 The land referred to in this document is situated in the State of Wyoming, County of Lincoln, and is described as follows: Lots 52 - L - 3, 53 - L - 3, and 58 - L - 3 of Rolling Hills 1st Addition to the Town of Kemmerer, Lincoln County, Wyoming as described on the official plat filed on February 25, 1985 as instrument No. 650749 ofthe records ofthe Lincoln County Clerk.