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Home My WebLink About942024 6010817001 Return To: Bank of the West Post Closing 13505 California St. NE-BBP-LL-P Omaha, NE 6B154 Prepared By: RECEIVED 9/5/2008 at 4:44 PM RECEIVING # 942024 BOOK: 704 PAGE: 287 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY Donna O'Connell 13505 California St Omaha, NE 6B154 OOú2S7 [Space Above This Une For Recording Data] MORTGAGE NUN1001040BB004072219 DEFINITIONS I '1 Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated September 05, 200B together with all Riders to this document. (B) ''Borrower'' is JAMES E TYNSKY '0· ¡ ¡ M,,,,j j,1¡V' Borrower is the mortgagor under this Security Instrument. (C) ''MERS'' is Mortgage Electronic 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 organized and existing under the laws of Delaware, and has an address and telephone nwnber of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. 8800407221 WYOMING· Single Family· Fannia MealFreddle Mac UNIFORM INSTRUMENT WITH MERS VMP@ Wolters Kluw sr Ananclal Services 8800407221 }£L Form 3051 1101 VM P6A(WY) (0803/.01 Inlllal.: Pege 1 0 16 OOu2SB (D) "Lender" is Bank of the West, a Ca1 fornia state banking corp. Lender is a corporation organized and existing under the laws of The Sta e of California Lender's address is 13505 California St, -BBP-LL-P, Omaha, NE 68154 (E) ''Note'' means the prollÚssory note signed by B rrower and dated September os, 2008 The Note states that Borrower owes Lender One H ndred Eighty Seven Thousand And Zero/lOa Dollars (U.S. $187,000.00 ) plus interest. Bo ower has prollÚsed to pay this debt in regular Periodic Payments and to pay the debt in full not later than c tober 01, 2038 (F) ''Property'' means the property that is des crib below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Se ity Instrument, plus interest. (H) "Riders" means all Riders to this Security Ins ment that are executed by Borrower. The following Riders are to be executed by Borrower [check box applicable]: o Adjustable Rate Rider o Balloon Rider o VA Rider o CondollÚnium Ri r 0 Second Home Rider o Planned Unit Dev lopment Rider 0 1-4 Family Rider o Biweekly Paymen Rider 0 Other(s) [specify] (I) "Applicable Law" means all controlling ap icable federal, state and local statutes, regulations, ordinances and administrative rules and orders (tha have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community As!!ociation Dues, Fees, and As essments" means all dues, fees, assessments and other charges that are imposed on Borrower or the P operty by a condominium association, homeowners association or similar organization. (K) ''Electronic Funds Transfer" means any tr fer of funds, other than a transaction originated by check, draft, or sillÚlar paper instrument, which s initiated through an electronic terllÚnal, telephonic instrument, computer, or magnetic tape so as to or er, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is ot lillÚted to, point-of-sale transfers, automated teller machine transactions, transfers initiated by tele hone, wire transfers, and automated clearinghouse transfers. (L) ''Escrow Items" means those items that are des ribed in Section 3. (M) "Miscellaneous Proceeds" means any compen ation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds p 'd under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) c ndemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation or (iv) llÚsrepresentations of, or ollÚssions as to, the value and! or condition of the Property. (N) "Mortgage Insurance" means insurance prote ting Lender against the nonpayment of, or default on, the Loan. (0) ''Periodic Payment" means the regularly sched led amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this ecurity Instrument. 8800407221 WYOMING· SI"gle Family· Fannia Mae/Freddie Mac UNIFORM INSTRUMEN WITH MERS VMP® Wollers Kluw er Financial Service. -¡ 8800407221 Form 3051 1/01 C\ e .. MP6A(WY) (0803/.01 Inlllal.: fJ----- Page 2 0 16 úOô289 (P) "RESPA" means the Real Estate Settlement Procedures Act (12 D.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESP A" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESP A. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower'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 the successors and assigns of MERS, with power of sale, the following described property located in the County of Lincoln [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOTS 1 AND 2 BLOCK B OF WILLOW ADDITION TO THE TOWN OF KEMMERER, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. Parcel ID Number: 12 -2116 -13 -2 - 01- 016- 00 201 BERYL ST Kemmerer ("Property Address"): which currently has the address of [Street] [City] , Wyoming B3101 [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted 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 8800407221 WYOMING· Slngl. F.mlly· F.nnl. Ma.IFreddl. Mae UNIFORM INSTRUMENT WITH MERS VMP@ Wall... Kluwor Ananelal Sarvle.. 8800407221 ~.., Form 3051 1101 1.-- r::i- VM P6A(WY) (0803/.01 Inlllals: Page 3 0 16 úOû290 or all of those interests, incluliing, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, bu not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower i lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Prop rty and that the Property is unencumbered, except for encwnbrances of record. Borrower warrants and w 11 defend generally the title to the Property against all claims and demands, subject to any encwnbrances 0 record. THIS SECURITY INSTRUMENT combines unifonn covenants for national use and non-unifonn covenants with limited variations by jurisdiction t constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Le der covenant and agree as follows: 1. Payment of Principal, Interest, Escro Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, an 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 N te and this Security Instrument shall be made in U. S. currency. However, if any check or other inst.rume t received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, ender may require that any or all subsequent payments due under the Note and this Security Instrument be made in 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 dra upon an institution whose deposits are insured by a federal agency, ínstrwnentality, or entity; or (d) El tronic Funds Transfer. Payments are deemed received by Lender wh n 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 paymen if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any pa ent or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or rejudice 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 Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such applied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so withi¡ a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not appli d earlier, such funds will be applied to the outstanding principal balance under the Note immediately pri r to foreclosure. No offset or claim which Borrower might have now or in the future against Lender sh I relieve Borrower from making payments due under the Note and this Security Instrument or performin the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. xcept as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the N te; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the 0 der in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the yment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment' outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Pa ents if, and to the extent that, each payment can be 8800407221 WYOMING· Single Femlly. Fennle MeelFreddle Mac UNIFORM INSTRUMEN WITH MERS VMP@ Woller. Kluwer Anenelal Service. 8600407221 ~1 Form 3051 1101 1..- oJ. VMP6A(WY) (0603/.01 Inlllal.: Page 4 0 16 000291. 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 principal 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 shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over tllis Security Instrument as a lien or encwnbrance 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 payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions 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 Community 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 tllis Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive 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 waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for wlúch payment of Funds has been waived by Lender and, if Lènder requires, shall furnish to Lender receipts evidencing such payment witlún such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such anlOunt 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 all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under tlús Section 3. Lender may, at any time, collect and hold Funds in an anlOunt (a) sufficient to permit Lender to apply the Funds at the time specified under RESP A, and (b) not to exceed the maximum amount a lender can require under RESP A. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in 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 charge 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 a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESP A. 8800407221 WYOMING· Slngl. F.mlly. Fonnl. Mo.IFr.ddl. M.c UNIFORM INSTRUMENT WITH MERS VMP@ Wolt.r. Kluw.r Fln.nclol S.rvlco. 8800407221 c" '1 Form 3051 1101 Q V t:I- VMP6A(WY)(0803¡.01 Inlllol.: U Pog.5 0 16 000292 If there is a surplus of Funds held in escro , as defined under RESP A, Lender shall account to Borrower for the excess funds in accordance with SPA. If there is a shortage of Funds held in escrow, as defined under RESP A, Lender shall notify Borro er as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the short e in accordance with RESP A, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Borro er 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 ills 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 priori over tills Security Instrument, leasehold payments or ground rents on the Property, if any, and Communi Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borro er shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien hich has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of e obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfor 'ng such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, 1 gal proceedings which in Lender's opinion operate to prevent the enforcement of the lien willIe those pr ceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to tills Security Instrument. If Lender dete 'nes that any part of the Property is subject to a lien which can attain priority over tills Security Instrum nt, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on willch that no tic is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this 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 tills Loan. 5. Property Insurance. Borrower shall keep he improvements now existing or hereafter erected on the Property inSured against loss by fire, hazards i cluded within the term "extended coverage," and any other hazards including, but not limited to, earthq akes and floods, for willch Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the ins ance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, willch ri . t shall not be exercised W1feasonably. Lender may require Borrower to pay, in connection with tills Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; r (b) a one-time charge for flood zone determination and certification services and subsequent charges ach time remappings or similar changes occur which reasonably might affect such determination or cer ification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Em rgency Management Agency in connection with the review of any flood zone determination resulting fr an objection by Borrower. If Borrower fails to maintain any of the cov rages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's exp nse. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, ch coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Pro erty, or the contents of the Property, against any risk, hazard or liability and might provide greater or I ser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance cover ge so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any mounts disbursed by Lender under tills Section 5 shall 8800407221 WYOMING· Slnglo Fomlly· Fonnlo MoofFroddlo Mac UNIFORM INSTRUMEN WITH MERS VMP@ Wollers Kluwer Financial Services t{J-v 8800407221 Form 30511/01 ¡.() 4.:. J M P6A(WY) (0803/.01 Inlllal.: 7j-- Pago 6 0 16 000293 become additional debt of Borrower secured by this Security Instrllinent. 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 policies required by Lender and renewals of such policies shall 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 premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. 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. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required 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 right to hold such insurance proceeds until Lender has had 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 disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earIÙngs on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrllinent, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 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 period will 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 rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (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 this 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 execution of this Security Instrllinent 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 agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. 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 residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is 8800407221 . WYOMING· Single Femlly. Fonnle MoelFreddle Mec UNIFORM INSTRUMENT WITH MERS VMPI!\J Wolters Kluwer Financial Services J 8800407221 Form 3051 1101 Q C J VMP6A(WY) (08031.01 Inlllols: r- Page 7 0 16 I I I I úOö294 i i determined pursuant to Section 5 that repair or rJtoration is not economically feasible, Borrower shall promptly repair the Property if damaged to av,1 id further deterioration or damage. If insurance or condemnation proceeds are paid in connection wi damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the roperty only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repbs and restoration in a single payment or in a series of progress payments as the work is completed. If thefinsurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not r lieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable e~tries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior or the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrowe~ shall be in default if, during the Loan application process, Borrower or any persons or entities actiing at the direction of Borrower or with Borrower's knowledge or consent gave materially false, lnisl~g, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, re~resentations concerning Borrower's occupancy of the Property as Borrower's principal residence. I 9. Protection of Lender's Interest in the Pr perty and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agr ements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affec· Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in b ptcy, 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, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's intþrest in the Property and rights under this Security Instrument, including protecting and/or assessing t11e value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are! not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument! (b) appearing in court; and ( c) paying reasonable attorneys' fees to protect its interest in the Propertyiand/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change 10cId, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, 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 hat Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under tlú Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amoun shall bear interest at the Note rate from the date of disbursement and shall be payable, with such inte est, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Proper 1, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. I 10. Mortgage Insurance. If Lender required ¥ortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to main~n the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lend~r ceases to be available from the mortgage insurer that previously provided sùch insurance and Borrower ¡Was required to make separately designated payments 8800407221 WYOMING· Slnglo Family· Fannlo Mao/Froddlo Mac UNIFORM INSTRUMEN WITH MERS VMP@ Woltor. Kluw or Ananelal Sorvleo. 8800407221 ^ 4 J Form 3051 1/01 '+. V VM P6A(WY) (0803/.01 Inlllal.: r1 Pago 8 0 16 00&295 toward the preßÚums for Mortgage Insurance, Borrower shall pay the preßÚums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, 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 will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earIÚngs on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the preßÚums 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 preßÚums for Mortgage Insurance, Borrower shall pay the preßÚums required 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 and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest 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. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in 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 insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance preßÚums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing 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 preßÚums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (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 right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. 8800407221 WYOMING· Single Femlly - Fannia Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP® Woller. Kluwer Financial Service. 6600407221 "'1 Form 3051 1/01 () t: d VMP6A(WY)(0603/.01 Inltlel.:~ Page 9 0 16 I I i I I I I I I I I I I I I I If the Property is damaged, such Miscellaneohs Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is econoWcally feasible and Lender's security is not lessened. During such repair and restoration period, Lender s~all have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect sU1h Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement lor in a series of progress payments as the work is completed. Unless an agreement i~ made in writingl or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be requred to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair lis not econonúcally feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be af~lied to the sums secured by tills Security Instrument, whether or not then due, with the excess, if any, Pfd to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. I 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 this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. I In the event of a partial taking, destruction, ot loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borr31wer and Lender otherwise agree in writing, the sums secured by tills Security Instrument shall be r uced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the tota amount of the sums secured immediately before the partial taking, destruction, or loss in value di ided by (b) the fair market value of the Property immediately before the partial taking, destruction, dr loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, ot loss in value of the Property in which the fair market value of the Property immediately before the parti~l taking, destruction, or loss in value is less than the amount of the sums secured immediately before te partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, e Miscellaneous Proceeds shall b.e applied to the sums secured by this Security Instrument whether or not e sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) ~ffers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 day. after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds ether to restoration or repair of the Property or to the sums secured by tills Security Instrument, whether r not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or roceeding, whether civil or criuúnal, is begun that, in Lender's judgment, could result in forfeiture of e Property or other material impairment of Lender's interest in the Property or rights under this Securit Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be disuússed with a ruling that, in Lender's judgment¡ precludes forfeiture of the Property or other material impairment of Lender's interest in the Property orf' ights under tills Security Instrument. The proceeds of any award or claim for damages that are attributabl to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not app ied to restoration or repair of the Property shall be applied in the order provided for in Section 2. I 8800407221 rl WYOMING· Slngl. F.mlly· Fannl. Moo/Freddie M.c UNIFORM INSTRUMEN WITH MERS VMP® Woller. Kluwer Ananclal Services OOô296 8800407221 ..., ~ Form 3051 1/01 do VMP6A(WY (0803).01 'nIU.ls: ~ ~ P.ge 10 0116 (:00297 12. 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 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 in 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 modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument 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 sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer' 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 rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan 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 rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed 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 interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will 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 provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower 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 with this Security Instrument must be in writing. 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 all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address 8800407221 WYOMING - Slngl. F.mlly - F.nnl. Ma./Fr.ddl. Mac UNIFORM INSTRUMENT WITH MERS VMPiIjJ WolI.r. Kluwor Ananclal Service. 8800407221 ~ Form 3051 1/01 VMP6A(WY) (0803).01 Inlllal.: r::: Paga 11 Dr 16 (:00298 unless Borrower has designated a substitute notice; address by notice to Lender. Borrower shall promptly notifY Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only repor~ 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 mailing 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 Instrument 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 corresponding requirement under tills Security Instrument. ! 16. Governing Law; Severability; Rules ,of Construction. This Security Instrwnent shall be governed by federal law and the law of the jurisdiction in willch the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly 9r implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be conslfued as a prohibition against agreement by contract. In the event that any provision or clause of this Secùrity Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of tills Security Instrument or the Note willch can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corrfSponding neuter words or words of the femi\Úne gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to tak I . e1anyactIOn. 17. Borrower's Copy. Borrower shall be giv~n one copy of the Note and ofthis Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of willch is the transfe~ of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interi<>t in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require hmnedíate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises tills 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 witilln which Borrower must pay all sums secure4 by tills Security Instrwnent. If Borrower fails to pay these sums prior to the expiration of this periodj Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate Mter IAcceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of tills· Security Instrwnent discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in tills Security Instrument; (b) such other period as! Applicable Law might specifY for the termination of Borrower's right to reinstate; or ( c) entry of a! judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums willch then would be due under this Security Instrument and the Note as if no acceleration had o~curred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited 8800407221 , WYOMING· Single Family. Fannie MaefFreddla Mec UNIFORM INSTRUMENT WITH MERS VMP® ' WDllers Kluwer Financial Services ' 8800407221 f.' -1 Form 3051 1101 "c.- d VMP6A(WY) (0803).01 Inlllels: ~ Page 12 or 16 úOiì299 to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the smns secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement swns and expenses in 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 institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in 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 Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs· other mortgage loan 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 of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESP A requires in connection with a notice of transfer of servicing. 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 purchaser. Neither Borrower nor Lender may commence, join, or be joined 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 that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable 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 opportunity to take· corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes 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; (b) "Environmental Law" means federal laws and laws 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 not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, 8800407221 WYOMING· Single FemUy· Fennle Mee/Freddle Mac UNIFORM INSTRUMENT WITH MERS VMP@ Waite.. Kluwer Financial Services 8800407221 9 ,Q" Form 3051 1/01 I.- ~VMP6A(WY)(08031·01 Inlllals; Page 13 0 16 OOÛ300 nor allow anyone else to do, anyt1úng affecting th~ Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Conditio*, or ( c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall 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 maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written Inotice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory ~gency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any ~ondition caused by the presence, use or release of a Hazardous Substance which adversely affects the v¡Ùue of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or ariy private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Not1úng herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Ikaw provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which 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 the 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 the default is not cured on or before the date specüied 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 and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this 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, ü different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property sh~ll be sold in the manner prescribed by Applicable Law. Lender or its 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 limited to, reasonable attorneys' fees; (b) to all sums secured by this S~curity Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secure,CI. by this Security Instrument, Lender shall release t1ús Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the f~e is paid to a third party for services rendered and the charging of the fee is permitted under Applicable La~. 24. Waivers. Borrower releases and waives alhights under and by virtue of the homestead exemption laws of Wyoming. I 8800407221 . WYOMING· Slnglo Fomlly· Fonnlo MoolFroddlo Moc UNIFORM INSTRUMENT WITH MERS VMP® I Woll~KI~~Rnanc~S~lcBS I I 8800407221 /.J -1 Form 3051 1101 (ì'i.. cI- VMP6A(WY) (0803).01 Inlllol.: Ö- Pogo 14 of 16 000301 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: J~~Y ~ (Seal) -Borrower (Seal) -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 8800407221 WYOMING - Single Femlly· Fennle Mee/Freddle Mec UNIFORM INSTRUMENT WITH MERS VMP@ Woller. Kluw or Flnanclel Sarvlce. 8800407221 Form 3051 1/01 o c;:> -J¡M P8A(WY) {0803/.0 1 Initial.: ¡ L {Z. Page 15 0 16 STATE OF WYOMING, OO<i302 County ss: The foregoing instrument was acknowledged before me tills September 05, 2008 by JAMES E TYNSKY My Commission EXPires~~ . ,_~~!":-...:.-~.~t>-::-~~fJ/J "-4fIIl'~ DEBORAH A. [j(h·;·.;r·~ -. IWTAHY PUBLIC COUNTY Of LINCOLN STATE OF WYOMING ""¡"',' ~...,...":-"."""""...~~~.~.,,, l~. ~CX)q ~a a·\30~/'-- . N Diary Public Title (and RBnk) 6600407221 WYOMING· Slngl. Family· Fannia MaalFraddla Mac UNIFORM INSTRUMENT WITH MERS VMP@ . Woltar. Kluwer Ananclal Service. 6600407221 ~~. Form 3051 1101 1,.... rVMP6A(WY) (0603.01 Initial.: Page 16 0/16