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Home My WebLink About940092 After recordlnil nlease return to! Recording Requested by & When Recorded Return To: US Recordings, Inc. 2925 Country Drive Ste 201 St. Paul, MN 55117 RECEIVED 6/25/2008 at 3:39 PM RECEIVING # 940092 . BOOK: 698 PAGE: 377 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY ÜOCa77 11) - ~lSß"S L¡ó8L¡{)1C~- )-- [Space Above This Una For Recording Data} ;;. 0 ~ ~.~ tQ5 FHA Case No. 5911038766~703 MORTGAGE K é C!..- J Y\...L ~:100343000003825985 Loan Num: 382598 THIS MORTGAGE ("Security Instrument") is given on JUNE 5, 2008 ~ ' \ The mortgagor is BRIAN D. MEYER AND EMILY R. MEYER .\.\us Io~ Yî ð- '( lJ.) I .L- I . ("Borrower"). This Security Instrument is given to NEW DAY FINANCIAL, LLC , which is organized and existing Wlder the laws of DELAWARE 'and whose address is 8171 MAPLE LAWN BLVD, STE 300, FULTON, MD 20759 (''Lender''). Mortgage Electronic Registration SystelDB, 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 organized lihd eXisting Wlder the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. Borrower owes Lender the principal sum' of TWO HUNDRED FIFTY THREE THOUSAND SEVEN HUNDRED FIFTY AND 00/100 Dollars (U.S. $253,750.00). This debt is evidenced by Borrower's note dated the same date as this Security Instrument (''Note''), which provides for monthly payments, with the full debt" if not paid earlier, due and payable on J UL Y 1, 2038. This Security JÍ1strument secures to Lender: (a) the repayment of the debt evidenced by he Note, with interest, . and· all renewals, extensions ' and modifications of the Note; (b) the payment of all other sums, with interest, advanced under Paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this putpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in LINCOLN County, Wyoming: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HERE OF. ParcellD No.: 37182830001200 Exhibit "A" FHA Wyoming Security Instrument (MERS Modified) Page 1 0(8 5430IWY 01lUl ,.....'..-.-.-,.....-...-.......-___~__............_~__~.-.I-..~a;...-'I~,;.N~MI$uU.-"-'~t1~,.~~wl~~~...~~~~~,..rm~t/I*Il~~f~'· which has the address of 447 GREYS RIVER LOOP [Street] ALPINE , Wyoming 83128 [Zip Code] TOGETHER WITH aU the improvements now or hereafter erected on the property, and aU easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument AIl of the foregoing is referred to in this Security Instrument as the "Property." BOITOwer understands and agrees that MERS holds only legal title to the' interests gmited by Borrower in this Security Instrument, 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 and canceling this Security Instrument. ("Property Address"); [City] 000378 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. BOIro:wer warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. TInS SECURTIY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:' 1. Payment of Principal, Intere:.t and Late Charge. Borrower shall pay when' due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under Paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development ("Secretary"), or in any year in which such premium would have been required if Lender stilt held the Security Instrument, each monthly payment shall also include either: (i) a sum. 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 Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds." Lender may, at any time, collect and' hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under thé Real Estate Settlement Procedures Act of 1974, 12 U.S.C. § 2601 ~. and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time (''RESPA''), except that the cushion or reserve permitted by RESPA for unanticipated disbursements, or disbursements before Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. ' If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESP A, Lender shall account to Borrower for the excess funds as required by RESP A. If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the BOITOwcr and require Borrower to make up the shortage as permitted by RESP A. The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If Borrower tenders' to Lender the full payment of all such sums, Borrower's account shall be credited with the balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower. FHA Wyoming Security Instrument (MERS Modltled) Page:1 of8 54301WY 0%10% _......_,-.__ua........"'__ -"''''If''~_.4~_''''oU''''''''__''__~'''''~_'~oUH'-.n_,Pt-''r'"~ØII~~lIoQI_..IIot-....u.&I~~:&In~'Iit,~~~.::,_. 1r ·.. .... .... . .~.. . ... ... (,\00379 Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be credited with any balance remaining for all installments for items (a), (b), and (c). 3. '. Application of Payments. All payments under Paragraphs 1 and 2 shall be applied by Lender as follows: ~ to the mortgage insurance premium to be paid by Lender to the Secretary or-1o the monthly charge by the Secretary instead of the monthly mortgage insurance premium; , . Second. to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required; " 'Third. to interest due under the Note; E2m:th. to amortization of the principal of the Note; and fifth, to late charges due under the Note. . 4. Fire, Flood and Other Hazard Insurance. Borrower shall inSure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, casulilties, and contingencies, including fire, for which Lender requires insurance. This insurance shall be maintained in the amounts' and for the periods that Lender requires. Borrower shall also insure all improvements on the P~operty, whether now in existence or subsequently erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of, and in a form acceptable to, Lender. In the event of loss, Borrower shall give Lender immediate notice by mail Lender may make proof of loss if not made promptly by Borrower. Each insurance company concerned is hereby autho~ed and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. ' Allor any part of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instrument, first to:any delinquent amounts applied in the order of ' Paragraph 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 date of the monthly payments which are referred to in Paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes the iridebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. . 5. Occupancy, Preservation,: Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall· occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument (or within sixty days of a later sale or transfer of the Property) and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender determines that requirement will cause undue hardship' for Borrower, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear expected. Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action to protect and preserve such vacant or abandoned Property. Borrower shall also be in default if' Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material inforniation) in connection with the loan evidenced by the Note, jncluding, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, BOITower shall comply with the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and fee title shall not be merged unless Lender agrees to the merger in writing. 6. Condemnation. The proceeds of any award or claim for, damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and this Security Instrument. Lender shall apply such proceeds to the reduction FHA Wyoming Security Instrument (MERS Modified) Page 3 oC8 5430tWY 02101 ...._IO.......,~.............,-....._...·~.._...-~---~_.._..~~~UN"'O:OM.<N.___.._t.~~....IP"""U"'O""J:>n_...".-....,.......-.I....-n.....,IR._'_,.._...."'"''OO....'''...I_I&tI...--.,:&UoII_.-..W~~~~.."''Y~ Ü00380 of the indebtedness under the Note and this Security Instrument, first to any delinquent amóunts applied in the order provided in Paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments, which are refeITed to in Paragraph 2, or change the amount of such payments. Any excess proceeds over an .amount required to pay aU outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of Lender's Rights in the Property'. BOITower sball pay all governmental or municipal c~ges, fines and impositions that are not included in Paragraph 2. Borrower shall pay these obligations on time directly to the entity which is owed the payment. ~f failure to pay would adversely affect Lender's interest in the Property, upon 'Lender's request BOITower shall promptly furnish to Lender receipts evidencing these payments. ' . If:ßorrower fails to make these Payments or the payments required by Paragraph 2, or fails to perfonn any other covenants and agreements contained in this Security Instrument, or. there is a legal proceeding that may significantly affect Lender's rights in the' Property (such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations), then Lender may do and pay whatever is necessary to protect the value of the Property , and Lender's rights in the Property, ,inclúding payment of taxes, hazard.in:surance and other items mentioned in Paragraph 2. Any amounts disbursed by Lender under this Paragraph shall become an additional debt of Borrower and be secured by this ~ecurity Instrument. These amounts shall bear interest from the date of disbursement, at the Note rate, and at the option of Lender, shall be immediately due and payable. Borrower sball promptly disoharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (0) secures from the holder of the lien an agreement satisfaotory to Lender subordinating the lien to this Security Insttument. If Lender determines that any part of the Property is subject to a lien which may attain priority Over this· Security Instrument, Lender may give Borrower a notice identifying the lien. BOlTOwer shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 8. Fees. Lender may collect fees and charges authorized by the Secretary. 9. Grounds for Acceleration of Debt. (a> Default. Lender may, except as limited by regulations issued by the -Secretary in the case of payment defaults, require immediate payment in full of all 8tDD8 secured by ~s Security Instrument if: (i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior to or on the due date of the next monthly payment, or· (ü) Borrower defaults by failing, for a period of thirty days, to perfonn any other obligations contained in this Security Instrument. (b) Sale Without Credit Approval. Lender shall, if permitted by applioable law (including section 341(d) of the Gam-St Germain Depository Institutions Act of 1982, 12 U.S.C. § l70Ij-3(d») and with the prior approval of the Secretary, require immediate payment in full of all the sums secured by this Seourity Instrument if: (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or otherwise transfeITed (other than by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee: does so occupy the Property, but his or her credit bas not been approved in accordance with the requirements of the Secretary. (c) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to ,subsequent events. (d) Regulations of BUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate påyment in full and foreclose if not paid. This Security Instrument does not authorize acceleration or foreclosure if not pennitted by regulations of the Secretary. FHA Wyoming Security Instrument (MERS Modified) Page 4 of 8 54301WY O%lllZ fllO,\tl'fl:r.....~~Mm"'...v-=_=.~~NI~..~_ 'I II ___ '-~~CI4IIM~._...-\l.WI..I.._~I_W¡l¡.u;'_oJ.';¡".'1I:>ilL~.tM_'1G1_"..~~ôI"'""~L1_~U~'N~~II£M~~~~~. ... .. ... . ()003S1. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrnment and the Note are not detennined to be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender may, at its option require immediate payment in full of all sums secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days ftom the 'date hereo~ declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such 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 mortgage insurance premium to the Secretary. 10. Reinstatement. BOlTOwer has a right to be reinstated if Lender has required iinmediate payment in full because of BOlTOwer's failure to pay an 8I;Ilount due under the Note or this Security Instntmenl This right applies even after foreclosw:e proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to the exte!lt they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonabie and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to pennit reinstatement if; (i) Lend,er has accepted reinstatement after the commencement of foreclosure proceeding~ within two years immediately preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on' different grounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 11.. Borrower Not 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 Lender to any successor in interest of Bon-ower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in i.IÎterO$t 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 BOlTOwer or Borrower's successors in interest. Any forbearance by Lender in exerCising any right or remedy shall not ,be a waiver, of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co-Signers. The covenants and agreements of this Security Instnunent shall bind and benefit the successors and assigns of Lender and BOlTOwer, subject to the provisions of Paragraph 9(b). Borrower's covenants and agreements shall be joint and several. Axly Borrower who co-signs this Security Instrument but does not execute the, Note: (a) is. co-signing this, Security Instrument only to mortgage, grant and convey that BOlTOwer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Bon-ower may agree to extend, modifÿ; forbear or make any accommodations with regard to the term of this Security Instrument or the Note without that Bon-ower's consent. 13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property' Address or any other address BOlTOwer designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any address Lender designates by notice to Bon-ower. Any notice provided for in this Security Instrument shall be deemed to have been given to BolTOwer or Lender when given as provided in this paragraph. 14. Governing Law; Severability. This Security Instrument 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 ,?r the Note conflicts with applicable law, such conflict shan not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this ,end the provisions of this Security Instrument and the Note are declared to be severable. 15. Borrower's Copy. Bon-ower shall be given one confonned copy of the Note and of this Security Instrument. , 16. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or releåse of any Hazardous Substances on or in the Property. BOlTOwer shall not do, nor ,allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not FHA Wyoming Security Instrument (MERS Modified) Plge 5 or8 54301 WY 02101 .................."-......-.I..~~I--.__~~*~J1tIiU&J..ft'__fI.a.\l~.."...~I.........~..'IJ\~~I~.'"'"'...~~:.II»_........oI.1IIr~~~...,...~~~If.U.~.,.~UWti(!~~"'~~~~~1J1Mi~iI ~'OG382 apply to the presence, use, or stomge on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. ' BOITower shall promptly give Lender written notice of any investigation, claim, demand, ,lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which BOITower has actual knowledge. If Borrower learns, or is notified by any govemmen@l or regulatory authority, that :any removal or other remediation of any Hazardous Substances affecting the Prop~rty is necessary, Borrower shall promptly talœ all necessary remedial actions in accordance with Environmental Law.: . As used in this Paragraph l6, "Hazardous Substances" are those substances defined as toxic ,or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic, petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and. radioactive materials. A8 used in the Paragraph 16, "Environmental Law" means fedemllaws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental pro~tion. ' NON-UNIFORM COVENANTS. BOITower and Lender further covenant and agree as follows: 17. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of the ,froperty. BOITower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents and revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of rents constitutes an absolute assignment and not an assignmont for additional security only. If Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as trustee for benefit of Lender only, to be applied to tho sums secured by the Security Instrument; (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 rents due and unpaid to Lender or Lender's agent on Lender's written demand to the tenant. Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would prevent Lender ÍÌ'om exercising its rights under this Paragmph 17. Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of bI:~ch to Borrower. However, I;.ender or a judicially appointed receiver may do so at any time there is a breach. Any application of rents shall not cure or waive any default or invalidate any other ri~t or remedy of Lender. This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. 18. Foreclosure Procedure. H Lender requires immediate payment in full under ,Paragraph 9, Lender may invoke the power of sale and any other remedies pernùtted by applicable law. Lender shall be entitled to collect all expenses incurred JÍ1 pursuing the remedies provided in tWs Paragraph 18, including, but not limited to, reasonable attorneys' fees and costs of title evidence. H Lender invokes the power of sale, Lender shall give Dotice 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 of the sale to Borrower in the manner provided in Paragraph 13. Lender shall ,publish the notice of sale, and the Property shall be sold in the manner prescribed by applicable law. Lender or it designee may purchase 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 Umited 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. If the Lender's interest in this Security Instrument is held by the Secretary and the Secretary requires immediate payment in full under Paragraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single FamUy Mortgage Foreclosure Act of 1994 (~'Act") (12 V.S.C. § 3751 !! !Ç!l.) by requesting a foreclosure commissioner designated under the Act to cQmmence foreclosure and to sell the Property as provided in the Act. Nothing in the preceding sentence shall deprive the Secretary of any rights otherwise available to a Lender under this Paragraph 18 or applicable law. FHA Wyomlnì Security Instrument (MERS Modified) Page 6 or8 54301WY om ....,,_··_'-~"_·_·_------_M..._...¡-....i-·~M_~.......U__w.'''G'...r........~..i'lw...I....~f'~~'"'-"-""!-'-"f..".,......, ...."!~_:..._~,.. 000383 19. Release. Upon payment of all sums secured by this SecuritY'Instrument, 'Lender shall release this' Security Instrument. BQrrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is pennitted under applicable law. 20. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtesy and dower in the Property. 21. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument, as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] o Condominium Rider o Planned Unit Development Rider o Graduated Payment Rider 0 Other [specify] o Growing Equity Rider BY SIGNING BELOW, Borrower accepts and agrees to the terms arid covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: ø~ BRIAN D. MEYER (Seal) -Borrower Printed Name: [Pleaae Complete} - ~VYlI ~R - -r-- (Seal) Printed Name: -Borrower [please Complete} (Seal) -BOITOwer (Seal) -BOITOwer [Acknowledgment on FollowIng Page] FHA Wyoming Security InstnJment (MERS Modified) Page 7 ora 54301WY 02102 ""'..........-..-..-,.....,-·..-----.-.--~-.I...*'-II-;a-;~"..---I~I-I..a.'I.-...........-1-....-,r'..".i--~'r'¡~'...~--¡---...I-~~~-,:I'It'.vIII\IþWt..-!~t" State of WY § § § Ü003B4 I I i I ¡ I I I I I I County of LINCOLN On JUNE 5, 2008,Before me the undersig¡;.ed authority, on this day personally appeared QRIAN D. MEYER AND EMILY R. MEYER ' known to me (or proved to me through an identity card or other document) to be the person(s) whose name is subscribed to the foregoing instrument, and acknowledged to me that e/shelthey executed the same for the purposes and consideration therein expressed. Given under my hand and seal on this 5th day of, (Seal) TERESA K: ANDERSON· NOTARY PUBLIC County of State of Lincoln Wyoming My Commission Expires September 22, 2011 My Commission Expires: ~ I- FHA Wyoming Sec:nrlty Inltrument (MERB Modified) PageB ofB 54301WY 412101 .~.~~......_."'-""--~-~~~-~ ----..-\/MPIII~~_"'-II;.-"""~~·....'I&J~.~.U4lw.""'IU""''W~CII-JI~...IIU3_IC''"_..~W;I.ar~UMI_~1¡II14IM1_..__'JIWÞIr....._~~..'J.'œf1$.UoI.~'(. Exhibit A Ü00385 LOT 12, GREYS RIVER VILLAGE ADDITION TO THE TOWN OF ALPINE, WITHIN THE NW1/4 SW1I4 OF SECTION 28 AND NE1/4 SE1I4 OF SECTION 29, T37N, R118W, ACCORDING TO THAT PLAT FILED IN THE OFFICE OF COUNTY CLERK, LINCOLN COUNTY, WYOMING. SUBJECT TO RESERVATIONS AND RESTRICTIONS CONTAINED IN THE UNITED STATES PATENT AND TO EASEMENTS AND RIGHTS-OF-WAY OF RECORD OR IN USE. Commonly known as 447 greys river loop Alpine, WY 83128 However, by showing this address no additional coverage is provided. \~~\I\\I\\\\I\\I\\\I\~\\\I\mll\~\\U~\~\~II~ U45B4090S-02fJ09 MORTGAGE us Recordings