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HomeMy WebLinkAbout944490 "Pf1eptlflea bý: Aitel'"R!!GQrdiRB Rlitum To: Taylor, Bean & Whitaker Mortgage Corp. 1417 North Magnolia Ave. Ocala, FL 34475 RECEIVED 1/5/2009 at 12:31 PM RECEIVING # 944490 BOOK: 712 PAGE: 404 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY ·1J¡Û;v (I (I b): ncnesis Tl1!e Ccmpany Cake Bœndon Professional Park 1140 Kyle Wood Lane Pnmdon, Fl33511 i77-'1tJlJ"/5/)IJ .Jþ Jb?ðJ/J 14 00Û404 [Space Above ThIs Line For Recording Data] Pf.}l1lTa 'IF: :31/11)7.1/ ðl> :¡ ¿.J /Jð ~IN;100029500030729432 MORTGAGE DEFINITIONS 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 December 19, 2008 Riders to this document. , together with all (B) "Borrower" is LARRY A SHAW and JANET L SHAW, HUSBAND AND WIFE Bon-ower is the mortgagor under this Security Instrument. (C) "~ERS" 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. ~ERS Is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (D) "Lender" is Taylor, Bean & Whitaker Mortgage Corp. Lender is a a Florida Corporation the laws of FL 1417 North Magnolia Ave, Ocala, FL 34475 ..-p~/)¡2.. J'-ITG, ''P>e.lIJ/wW ~JJ~)ðß /;J i'2JÖ/J¡¿. 5J3. PfJ-~E /J7J'¡ '?IJ&t, ¿ '11EL();¿ofi, OJ:: /-IN t../J ¿./J (! ð¿J/Ù'rY I LJ f (E) "Note" means tJle promissory note signed by BOITower and dated December 19, 2008 states that BOlTower owes Lender Four Hundred Thirteen Thousand and no/100 Dollars (U.S. $ 413,000.00 ) plus interest. BOITower has promised to pay tJlis debt in regular Periodic Payments and to pay the debt in full not later than January 01, 2039 organized and existing under . Lender's address is . The Note (F) "Property" means the property that is described below under the heading "Transfer of Rights in tbe Property." ITEMT2769L1 (0011)-MERS (Page 1 of 12 pages) Form 3051 1/01 OREATLAND . To Order Call: 1-80D-53D-93930 F",,: 616·791-1131 WYOMING-Single Family-Fannie MaelFreddie Mac UNIFORIVI INSTRUMENT 111111111111111111111111111111111111111111111111111111111111111111111111111 '0241103072943' 1, (~Oô405 (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 Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider D Condominium Rider o Second Home Rider D Balloon Rider o Planned Unit Development Rider o Other(s) [specify] D 1-4 Family Rider o Biweekly Payment Rider (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable fil1a~, non-appealable judicial opinions, (J) "Community Association Dues, Fees, and Assessments" means aU dues, fees, assessments and other charges that are imposed on BOlTower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic tenninal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such tern1 includes, but is not limited to, point-of-sale transfers, automated teller machine u'ansactions, u'ansfers initiated by telephoni!:, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Mlscel1aneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; Oi) condemnation or other taking of all or any part of the Property; (iü) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.c. §260l et seq.) and its implementing regulation, Regulation X (24 C.P.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or reguJation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and resUictions that are imposed in regard to a "federally related mOltgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor In Interest oC 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. WYOMING-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT ITEMT2769L2 (0011)-MERS (Page 2 of 12 pages) Form 3051 1/01 GREATlAND. To Order Call: 1-600-530-00930 Fax: 616-791-1131 (; Ov·406 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 perfonnance of Borrower's covenants and agreements under tills Security Instrument and the Note. For this purpose, Bon'ower 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] See Attached Exhibit A. which cUlTently has the address of 61 SHOOTING STAR DRIVE [Streel] BEDFORD [City] , Wyoming 83112 [Zip Code] ("Property Address"): TOGETHER WITH all the improvements now or hereafter erected on the property, and aU easements, appurtenances, and fixtures now or hereafter a part of tlle property. AJl replacements and additions shall also be covered by tllis Security Instrument. AJl of the foregoing is referred to in this Security Instrument as the "Property." BOlTower 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 or an of those interests, including, but not limited to, the right to foreclose and sen the Property; and to tak~ any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Bon-ower 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. Bon'ower WaITants and will defend generally the title to the Property against an claims and demands, subject to any encumbrances of record. nIlS SECURITY INSTRUMENT combines unifol1n covenants for national use and non-unifonn covenants with limited variations by jurisdiction to constitute a unifonn security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shan pay when due tile principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under tile Note. Bon'ower shaH also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and tllis Security Instrument shall be made in D.S, currency, However, if any check or otller instrument. received by Lender as payment under tile Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or an subsequent payments due under tile Note and tl1Ìs Security Instmment be made in one or more of the following fOnTIs, 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. Payments are deemed received by Lender when received at the location designated in tile Note or at such other location as may be designated by Lender in accordance witll tile notice provisions in Section 15. Lender may return any payment or WYOMING-Single Family-Fannie Mae/Freddie Mae UNIFORM INSTRUMENI' ITEM T2769L..'3 (0011)-MERS (Page 3 of 12 pages) Form 30511/01 GREATLANO. To Order Call: 1-800-530-93930 Fax: 616-791-1131 00U407 partial payment if the payment or partial payments are insufficient to bring the Loan cun-ent. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights 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 Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds, Lender may hold such unapplied funds until BOITower makes payment to bring the Loan current. If Bon'ower does not do so within a reasonable period of time, Lender shall either apply such funds or retuJ1l them to Bon-ower. If not applied earlier, such funds will be applied to tile outstanding principal balance under tile Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or perfOlming tile covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except 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 Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due, Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrumen~ and then to reduce the principal balance of the Note. H Lender receives a payment from BOlTower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to tile delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Bon-ower to the repayment of tlle Periodic Payments if, and to the extent tha~ each payment can be paid in full. To the extent that any excess exists after the payment is applied to tlle 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 tlle due date, or change the amoun~ of the Periodic Payments. 3. Funds for Escrow Items. Bon'ower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (tbe "Funds") to provide for payment of amounts due for: (a) taxes and assessments and otller items which can attain 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 payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with tile provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the tenn of tile Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments sball be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this 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 Bon'ower'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, tlle amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time pedod as Lender may require. Bon'ower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in tllis 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 lights under Section 9 and pay such amount and BOITower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke tlle waiver as to any or all Escrow Items at any time by a notice given in accordance witll Section 15 and, upon such revocation, BOITower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (a) sufficient to pennit Lender to apply tlle Funds at the time specified under RESPA, and (b) not to exceed tile maximum amount a lender can require under RESPA. 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 acc.ordance 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 Bon'ower interest on tlle Funds and App1icable 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 Bon'ower any interest ITEM T2769L4 {0011 )-MERS (Page 4 of 12 pages) Form 30511/01 GREATLAND. To Order Call: 1-800-530-93930 Fax: 616-791-1131 WYOMING-Single Family-FannIe MaelFreddie Mac UNJFORM INSTRUMENT û00408 or eamings on the Funds. BOlTower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Bon'ower, without charge, an annual accounting of the Funds as required by RESPA, If tllere is a sill'plus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Bon-ower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by tllis 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 thjs Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues. Fees, and Assessments, if any. To the extent that these items are Escrow Items, Bon'ower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has pIiority over this Security Instrument unless Bon-ower: (a) agrees in writing to tlle payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfOlming such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate 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 subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priOlity over this Security InstJ1Jment, Lender may give Bon-ower a notice identifying the lien. Within 10 days of tlle date on which that notice is given, Bon'ower 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 andlor reporting service used by Lender in connection with this Loan. S. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requir:es pursuant to the preceding sentences can change during the telm of the Loan. The insurance calTier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require BOJTower to pay, in connection Witll tllis Loan, either: (a) a one-time charge for flood zone detelmination, certification and tracking services; or (b) a one-time charge for flood zone detennination and certification services and subsequent charges each time remappings or simiIar changes occur which reasonably might affect such detennination or certification. BOlTower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection witll the review of any flood zone detennination resulting from an objection by Borrower. If Bon'ower faiIs to maintain any of tlle coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage, Therefore. such coverage shall cover Lender, but might or might not protect BOJ1'ower, Borrower's equity in the Property, or the contents of the Property. against any risk, hazard or liability and might provide greater or lesser coverage tllan was previously in effect. BOlTower acknowledges that the cost of tlle insurance coverage so obtained might significantly exceed the cost of insurance tllat Borrower could have obtained. My amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by tllis Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shaH be payable, with such interest, upon notice from Lender to BOJ1'ower 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 shalJ name Lender as mortgagee andlor as an addiûonal loss payee. Lender shall have the light to hold the policies and renewal certificates. If'Lender requires, Borrower shaH promptly give to Lender all receipts of paid premiums and renewal notices, If Borrower obtains any fonn of insurance coverage, not otherwise required by Lender, for damage to, or desu-uction of, tlle 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 shaH give prompt notice to the insurance carrier and Lender. Lénder may make proof of loss if not made promptly by Borrower. Unless Lender and BOJ1'ower otherwise agree in writing. any insurance proceeds, ITEM T27B9L5 (0011 )-MEAS (Page 5 of 12 pages) Form 3051 1/01 GREATLAND_ To DrdorCaIl: 1-800-530-93930 fax: 818-791-1131 WYOMING-Single Flimily-Fannfe MnelFreddJe Mac UNIFORM INSTRUMENT 00ô409 whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Propelty, 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 earnings on such proceeds. Fees for public adjusters, or other third parties, retained by B011'0wer shall not be paid out of the insurance proceeds and shall be tlle sole obligation of Bon'ower, If the restoration or repair is not economically feasible or Lender's security would be lessened, tlle insurance proceeds shall be applied to the sums secured by tllis Security Instrument, whetller or not then due, with the excess, if any, paid to BOlTower. 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 B011'0wer 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 3D-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 tlle 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 tlle coverage of the Property. Lender may use the insurance proceeds either to repair 01' 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 witllin 60 days after tlle execution of this Security Instrument and shaH continue to occupy the Property as B011'0wer's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be umeasonably witllheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7, Preservation, Maintenance and Protection of the Property¡ Inspections. BOTI'ower shall not destroy, damage or impair tlle Property, allow tlle Property to deteriorate or commit waste on the Property. Whether or not BOTI'ower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteJiorating or decreasing in value due to its condition, Unless it is determined pursuant to Section 5 tllat repair or restoration is not economically feasible, BOJ1'ower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection Witll damage to, or the taking of, the Property, Bon-ower shall be responsible for repairing or restoJing the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for tlle 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 repair or restore the Property, Borrower is not relieved of Bon'ower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of tlle Property, If it has reasonable cause, Lender may inspect the interior of the improvements on the Property, Lender shall give BOTI'ower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Appllcatlon. BOITower shall be in 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 infOlmation or statements to Lender (or failed to provide Lender witll material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of tlle Property as BOlTower' s principal residence. 9. Protection of Lender's Interest In the Property and Rights Under this Security Instrument. If (a) BOlTower fails to perform the covenants 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 tllis Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain prioJity 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 interest in tile Property and rights under this SecuJity Instrument, including protecting and/or assessing tile 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 Property and/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 locks, replace or board up doors and windows, drain water from WYOMING-Single Family-Fannie MacIFreddic Mac UNIFORM INSTRUMENT ITEM T2769L6 (0011)-MERS (Page 6 of 12 pages) Form 3051 1/01 GREAnAND . To Ordor Call: 1-60(1.53(1.9393 0 Fax: 616'791-1131 (;·00410 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. lt is agreed that Lender incurs no liability for not taking any or all actions authorized under tills Section 9. Any amounts disbursed by Lender under tllÏs Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest I!t the Note rate ìi'om the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all tile provisions of the lease, If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain 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 previously provided such insurance and Bon'ower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to tile cost to Borrower of the Mortgage Insurance previously in effect, from an altemate 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 BOITower any interest or eamings 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 premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and BOlTOwer was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums 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 ten1lÌnation is required by Applicable Law. Nothing in tillS Section 10 affects Bon'ower'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. Bon'ower 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 witll other parties tlJat share or modify their risk, or reduce losses. These agreements are on telms and conditions that are satisfactory to the mortgage insurer and tlle other party (or parties) to these agreements, These agreements may require the mortgage insurer to make payments using any source of funds tllat the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premimns), As a result of these agreements, Lender, any purchaser of the Note, anotller insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts tllat 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 lisk in exchange for a share of the prel1lÌums paid to the insurer, the arrangement is often telmed "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 wlIl 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 ane! 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. Asslgnrnen t of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds 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 Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure tlle work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. WYOMING-Singk Family-Fannie MaelFreddJe Mac UNIFORM INSTRUMENr ITEM T2789L7 (0011)-MEAS (Page 7 of 12 pages) Form 3051 1/01 GREA TLAND . To Ordor C.II: 1-800-530-93930 Fax: 618·791-1131 (:0041.1. Lender may pay for the repairs and restoration in a single disbursement 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 Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shal1 be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Bon·ower. Such Miscel1aneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shal1 be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, 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 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 Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall 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 in value divided by (b) the fair market value of the Property immediately before the partial taking, des n1J ction , or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or 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 less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless BOlTower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due, If the Property is abandoned by Bon'ower, or if, after notice by Lender to Bon'ower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, BOlTower fails to respond to Lender within 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 Seclllity Instn1l'nent, whether or 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 Miscel1aneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security 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 dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impainnent of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impainnent of Lender's interest 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 provided for in Section 2. 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 BOlTower or any Successor in Interest of Borrower shall not operate to release the liability of Bon'ower or any Successors in Interest of Bon'ower. Lender shall not be required to commence proceedings against any Successor in Interest of BOITower 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. BOITower covenants and agrees that BOlTOWer'S obligations and liability shall be joint and several. However, any Bon'ower who co-signs this Security Instl1Jment 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 BOlTower 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 WYOMING-Single Family-Fannie MnelFreddfe Mac UNIFORM INSTRillvŒNT ITEMT2769LB (0011)-MERS (Page 8 oj 12 pages) Fonn 3051 1/01 ßAEATLAND. To Order Cali: HOIH3D-9393 0 Fax: 616-791-1131 (;0041.2 this Security Instrument. BOlTower shall not be released from BOlTower'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 BOlTower fees for services perfonned in connection with BOlTower' 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, tl1e absence of express authority in this Security Instrument to charge a specific fee to BOlTower 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 Jaw is finally interpreted so that the interest or other Joan charges co]]ected or to be collected in connection witl1 the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to tl1e pennitted limit; and (b) any sums already co]]ccted from BOlTower which exceeded pennitted limits wi]] 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 BOlTower. 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), BOlTower's acceptance of any such refund made by direct payment to Bon'ower 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 witi1 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 BOlTower 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 BOl1'owers 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 notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report 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 BOlTower, Any notice in connection witl1 this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this SecUJity Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the c01Tesponding requirement under this SecUJ1ty Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be govemed by federal law and the law of the jurisdiction in which 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 m.ight explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence sha]] not be construed as a prohibition against agreement by contract. In the event that any provision or clause of tl1is Security Instrument or ttie Note conflicts with Applicable Law, such conflict shall not affect otl1er provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion witl10ut any obligation to take any action, 17. Borrower's Copy. Borrower shall be given one copy of the Note and of tl1is SecUJity Instrument. 18. Transfer of the Property or a BeneOclal Interest In Borrower. As used in tÌ)is Section 18, "Interest in the Property" means any legal or beneficia] 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 which is the transfer of title by Bon'ower at a future date to a purchaser. If all or any part of the Property or any Interest in Lhe Property is sold or transferred (or if Bon"ower is not a natura] person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in fu]] of all sums secured by t]ris Security Instrument. However, tl1Îs option shall not be exercised by Lender if such exercise is pro]ribited by Applicable Law. If Lender exercises this option, Lender shall gi ve Bon"ower notice of acceleration. The notice sha]] provide a peliod of not less than 30 days from the date the notice is given in accordance with Section 15 within which BOITOwer must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums plÌor to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's RIght to Reinstate After Acceleration. If BOlTower meets certain conditions, Borrower shall have tl1e right to have enforcement of this Security Instrument discontinued at any time prior to tl1e earliest of: (a) five days before WYOMING-Single Family-FannIe MaelFreddie Mac UNIFORM INSTRUMENT ITEM T2769L9 (0011)-MERS (Page 9 oj 12 pages) Form 30511/01 GREATLAND . To Drdor C.II: 1-800-530-93930 Fax: 616·791-1131 ÜOô4j.3 sale of the Property pursuant to any power of sale contained in this 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 BOJTower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occun'ed; (b) cures any defauJt of any other covenants 'or agreements; (c) pays all expenses incuned in enforcing this Security Instrument, including, but not limited to, reasonable :attorneys' fees, property inspection and valuation fees, and other fees incun'ed 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 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 following fonns, 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) ElecU'onic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occuned. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servlcer; 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 Bon·ower. 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 perfonns other mortgage loan servicing obligations under the Note, this Security Instrument, land 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 infol1llation RESPA 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 U'ansfelTed to a successor Loan ServiceI' and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser, Neither Bon'ower nor Lender may commence, join, or bejoined 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 Ihis Security InsU'ument or that'alleges tllat tlle otller party has breached any provision of, or any duty owed by reason of, tllis Security Instrument, until such BOJ1"ower or Lender has notified the otller party (with such notice given in compliance witll tlle requirements of Sec~on 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 oppOltunity to 'cl1re given to BOJ1"ower 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 fOl11laldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of tlleju~isdiction where tlle 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 oùlerwise trigger an Environmental Cleanup. ' BOlTower shall not cause or permit the presence, use, disposal, storage, or re]ease of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which Creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition tllat 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 notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or pl1vate 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 tl11'eat of release of any Hazardous Substance, and (c) any 'condition caused by the ITEM T2769L10 (OO11)-MERS (Page 10 of 12 pages) Form 3051 1/01 GREATLAND. To Ordor Call: HOI}53(}9393 0 Fax: 616-791-1131 WYOMING-Sing!e Family-Fannie MaelFrcddJe IVloc UNIFORM INSTRUJI'ŒNT ûOû414 presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Bon'ower learns, or is notified by any governmental or regulatory authority, or any 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 Witll Environmental Law. Nothing 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 Law 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 curc 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 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 and any other remedies permitted by AppllcabIe 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, If 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 shall 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 Security Instrument; and (c) any excess to the person or persons legally entitled to It. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. BOITower 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 tlle fee is permitted under Applicable Law, 24. Waivers. Borrower releases and waives aJl rights under and by virtue of the homestead exemption laws of Wyoming. ITEMT2769L11 (OO11)-MERS (Page lJ of 12pageJ) Form 3051 1/01 GREATLAND. To Order Call: 1-60().53().9393 0 Fax: 616-791-1131 WYOMING-Single FamiJy-Fnnnlc MaelFrcddie Mac UNIFORM INSTRUlVillNI' (;.0\)41.5 BY SIGNING BELOW, Borrower accepts and agrees to the tenDS and covenants contained in pages 1 through 12 of this Security Instrument and in any Rider executed by Borrower and recorded with it. i;?' h:~- (S"I) Çb~~ ¡,;:ÆRRY HAW -BotTower ¿JANET L SHAW (S eal) -Borrower ~~ œ~ -BotTower -Borrower ~~ œ~ -BotTower -BotTower Witness: Witness: ('.f)' 1 State of ~1 fon,'1;'tJ...... ) ) ss ) County of ~ OlJY?J-dO The foregoing instrument was acknowledged before me by J-avV'~ A· Sh¿¿..,j avo{ J lÃ..V\ € t J- . S h.tìw this l q 1b day of í}QC- ¡). 00 g Witness my hand and official seal. c\\~~ ~ Notary Public 1.- -~; ;'~,~ ·1 p Commlulon. 171517. I Notary Public . California I i II Dorado County . .. ~ _ _ _ _ _ "~'~!«,7.20~ j My commission expires: .ç.¿ 101 8- 0 ( I ITEM T2769L12 (OO11)-MERS (Page /2 of /2 page.) Form 30511/01 GREATLAND. To Ordor Call: 1-801!-53ß.9393 0 Fax: 616-791-1131 WYOMING-Single Family-Fannie MaeIFreddic Mae UN1FORM INSTRU1VŒNT ÜOô41.6 ;,;;"," State of California County of U II) ~-.C1Q_.......u__ CALIFORNIA AU..-PURPOSE CERTIFICATE OF ACKNOWLEDGMENT On I1zL-L'1-2~~..L__._ before me, J*<2-.1.~:(~,~I~V15>J-c(J)~~~~...p~~lo ~c personally appeared -4(_c~---A.~~1~f1~:~.L~_...1LÀ-v\".Q.¿±:..uu.uub-.:-S.ha..(,.~ ) ...----~..,....--...----------~..-~-....~----.....-----,-.~-....................... f who proved to me on the basis of satisfactory !?Vidr:nce to be the person(sj whose name(s) islare subscribed to the within instrument and acknowledged to rne that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), Or the entity upon behalf of which the person(s) acted, executed the instrument certify under PËNALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correc.t. WITNESS my hand and offidal seal. HEIDI VENABlEROSE Commission /1 1715574 í ..,,; Notary Public - California I J ~~ado c,:~ty2011 j ~ - - - ~ -.,. - - - ~_ _ :.r _ ~ Sjg".tllre~~__" (Sear) OPTIONAL INFORMATION ~ ;_':~';:::2;;!,':;;~);;::~;f;~':¡~~c::;/,~':i:;~,;, i,::~;;;·-';,'. :-',;;,'::.,r·~':;:::r~;. !;~ ~');:',~~.;:,'; :;':;;1 ; ,'! ,'",!, ,. ,;, .1'.'':,1;'';' ~:)','; r:;::;~"'¡¡:I~;;1 ;{,:Z;~:,!)<;J:/,;:;~:,~'.I!' r ;;' t h i.\ Description of Attached Documt.,:nt ~~mw~ . ....1¡·tt!?,<:!.,)¡s¡~!~~,~I~I:'N¡n.S~ti':!l) , I ........-.-.,--.,....., ··,··.··~...mm...._.. Pr:'''.'~t¡,j ~f' f/\( ;''!L tr\i:' bü~;i') of "Jilttsfar:tün" ":':,\f{denfê" The pfeCE'dìn<;1 Certificate of ACkf1(w'lJer.!qrnent I', "rti:L:hed (0 i"I ci()Curr'fi~r,¡ ri¡ied!fo( the purpose of..n. .......Iì}Qf1L6-/:¡ (F£.. 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Exhibit A ('Oô41.7 LOT 2 OF SHOOTING STAR SUBDIVISION, LINCOLN COUNTY, WYOMING ACCORDING TO THAT PLAT FILED JULY 18, 1995 IN THE OFFICE OF THE LINCOLN COUNTY CLERK AS PLAT NO. 364 AND INSTRUMENT NO. 805315. 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 61 SHOOTING STAR Drive Bedford, WY 83112 However, by showing this address no additional coverage is provided.