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HomeMy WebLinkAbout873867 2/¡tl ____,··__...o...-._·P_+'·'··+_' 1'"'"111111111111"111111 11111111 Form 3051 1/01 ""- _..._-_._-_.._._~---,_..__._._____. .._._M_...~_+......_..._. .__~. .....__._...._~_._ WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS MFWY7770 (11/00) / 041-269694-0 O<!>-6AtWY) 10005).01 z: / Page 1 of 15 Initial.: ,/Í ,-- (9. VMP MORTGAGE FORMS -18001521-7291 K. ¡;. . C:::s Borrower is the mortgagor under this Security ~lstrument. (C) "MERS" is Mortgage Electronic Registrat on Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Le ¡der's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is orga lÎzed and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 202 , Flint, MI 48501-2026, tel. (888) 679-MERS. (A) "Security Instrument" means this documenl, which is dated JUNE 8TH, 2001 together with all Riders to this document. (B) "Borrower" is ROD B. GARDNER AND RACHEL E. GARD1:1fER, HUSBAND AND WIFE Words used in multiple sections of this docu*ent are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rulej; regarding the usage of words used in this document are also provided in Section 16. DEFINITIONS MOH..TGAGE MIN 100062604126969403 ... [Space Above ThI~ LíJ~e For Recording Data] BOOK 466 PR PAGE ,¡ 5 d. REGf: IVE. D LINCOLN COUNTY CLERK o ¡ ,II IN I 3 PH 2: I, 1. J f:: A' 11\). N "t: \N .!\ (J' {Ii ¡:- (1 \"~"" \t·~... \It,..... ~~_"\ KEMMErŒFì. WYOMING - Prepared By: HomeComings Financial Fetwork 14850 Quorum Drive, Su!Lte 450 Dallas, TX 75240 73867 Return To: HOMECOMINGS FINANCIAL NE1WORK, INC ONE MERIDIAN CROSSING, STE 100 MINNEAPOLIS, MN 55423 Loan Number: 041-269694-0 .. - ....- o Adjustable Rate Rider 0 Condominium Rider 0 Second Home Rider o Balloon Rider 0 Planned Unit Þevelopment RideD 1-4 Family Rider o VA Rider 0 Biweekly Pay ent Rider 0 Other(s) [specify] 0873867 453 (D) "Lender" is HOMECOMINGS FINANCI ~ NETWORK INC. Lender is a CORPORATION organized and existing under the laws of DEL .WARE Lender's address is 14850 QUORUM DRIVE, SUITE 450 DALLAS, TX 75240 (E) "Note" means the promissory note signed by Borrower and dated JUNE 8 TH, 2001 The Note states that Borrower owes Lender SEVENTY ONE THOUSAND FOUR HUNDRED AND NO/100 Dollars (U.S. $ 71,400 . 00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later th nJULY 1ST, 2031 (F) "Property" means the property that is desc ~ibed below under the heading "Transfer of Rights in the Property." (G) "Loan" means the debt evidenced by the N Ite, plus interest, any prepayment charges and late charges due under the Note, and all sums due under thi Security Instrument, plus interest. (H) "Riders" means all Riders to this Security [nstrument that are executed by Borrower. The following Riders are to be executed by Borrower [check b x as applicable]: (I) "Applicable Law" means all controlling lpplicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (:hat have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and \ssl~ssments" means all dues, fees, assessments and other charges that are imposed on Borrower or th Property by a condominium association, homeowners association or similar organization. (K)"Electronic Funds Transfer" means any ransfer of funds, other than a transaction originated by check, draft, or similar paper instrument, whi h is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to )rder, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but i ¡ not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by t :lephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are scribedin Section 3. (M) "Miscellaneous Proceeds" means any com ensation, settlement, award of damages, or proceeds paid by any third party (other than insurance procee s paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnatlon; or (iv) misrepresentationsof, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance pr tecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly sc eduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of t is Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F R. Part 3500), as they might be amended from time to time, or any additional or successor legislation 0 ' regulation that governs the same subject matter. As used in this Security Instrument, "RESP A" refers to a 1 requirementsand restrictions that are imposed in regard to a "federally related mortgage loan" even if t e Loan does not qualify as a "federally related mortgage loan" under RESP A. MFWY7770 (11/00) / 041-269694-0 C -6AIWY) (0005).01 <!> lage 2 of 15 Initials: /2&" () Form 3051 ~.L,& 1/01 -'.._-----_..._..._._-,..~"'_....._,.,---_.._..,._--_._..'".......-....-..-.. ,..,..,._-_.._-~._--_.~._--,--,-- - -,-.".--"..-----...--. - - - · -.-----~.- ~....- --- ,.-...--.--,----.---.,- ..... -'m" ---_..~-_....,._,_.-. ,._'.._-,.--- .. y-' "'.~ .-.--,,-- ..-- -~,~ 1/01 Form 3051 Initial.: £6-- R,~.6- 'ag" :¡ of 1 5 MFWY7770 (11/00) / 041-269694-0 o -6A(WY) (0005}.01 œ> TOGETHER WITH all the improvemen_s 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 Securit ' Instrument. All of the foregoing is referred to in this Security Instrumentas the ItProperty.1t Borrowe understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Sec trity Instrument, but, if necessary to comply with law or custom, MERS (as nomineefor Lender and Len ler's successors and assigns) has the right: to exercise any or all of those interests, including, but not limit ~d to, the right to foreclose and sell the Property; and to take any action required of Lender including, mt not limited to, releasing and canceling this Security Instrument. BORROWERCOVENANTSthat Borrowe 'is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Prperty and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbranc ~s of record. THIS SECURITYINSTRUMENTcombi es uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. which currently has the address of [Street] [City] , Wyoming 83110 [Zip Code] Parcel ID Number: 31180630403000 176 CIRCLE DRIVE AFTON (ItProperty Addresslt): This Security Instrumentsecures to Lender: (i) t ~ repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the perfo mance of Borrower's covenants and agreements under this Security Instrumentand the Note. For this p rpose, 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] LOT 28 OF THE WESTVIEW VILLAGE SU DIVISION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. (Q) "Successor in Interest of Borrower" mean~ any party that has taken title to the Property, whether or not that party has assumed Borrower's obligatio~ls under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTjy 450 - ~8738b7 u~_r738t{( UNIFORM COVENANTS. Borrower and ,ender covenant and agree as follows: 1. Payment of Principal, Interest, Esc 'ow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, md interest on, the debt evidenced by the Note and any prepayment charges and late charges due under he Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrumentshall be made in U.S. currency. However, if any check or other instru lent received by Lender as payment under the Note or this Security Instrumentis returned to Lender unpai ,Lender may require that any or all subsequent payments due under the Note and this Security Instrum :nt 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 dr IWll 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 ¡hen received at the location designated in the Note or at such other location as may be designated by Len ler in accordance with the notice provisions in Section 15. Lender may return any payment or partial pay ent if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any Jayment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder )r prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obliga :ed to apply such payments at the time such payments are accepted. If each Periodic Payment is applied 1S of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold suh unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so wi hin a reasonableperiod of time, Lender shall either apply such funds or return them to Borrower. If not ap plied earlier, such funds will be applied to the outstanding principal balance under the Note immediately ,riOI' 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 Instrumentor perfor ing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceed ¡. 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 th . Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in th ~ order in which it became due. Any remaining amounts shall be applied first to late charges, second to allY other amounts due under this Security Instrument, and then to reduce the principal balance of the Note If Lender receives a payment from Borro ver for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, th ~ payment may be applied to the delinquent payment and the late charge. If more than one Periodic Paymelltis outstanding, Lendermay apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any' excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be ap )lied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and tl1en as described in the Note. Any application of payments, insurance pr )ceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due d lte, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower sh ill pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a urn (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items w lich can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leaseh )ld payments or ground rents on the Property, if any; (c) premiums for any and all insurance required y Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by B )rrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the pr )visions of Section 10. These items are called "Escrow Items." At origination or at any time during th : term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if a lY, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower hall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay ,ender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for a IY 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, Borrowe: shall pay directly, when and where payable, the amounts MFWY7770 (11100) / 041-269694-0 G -6A(WY) 100051.01 ~ - 'og" 4 of 15 Inltl"I.:~- ~.~.Gr Form 3051 1/01 ~ -. -. ... -._-,-,----_..,....". - - ,16 1. ·-",--~_._.._.. ....._._.~.-._._.'._~ -... .'"_._....__..-..._--_.__._-~ . _.__.._"-----.__.,._~~..-..,-.. -...- -..-... '------.,..-..--..... ".'. . 1/01 Initi.ls: :/2£-, \2.[;:.,& ogo 5 of 1 5 MFWY7770 (11100) / 041-269694-0 GÞ. -6A(WY) 100051.01 ~ Form 3051 due for any Escrow Items for which payment of lunds has been waived by Lender and, if Lenderrequires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments ad to provide receipts shall for all purposes be deemed to be a covenant and agreementcontainedin this Se :urity 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 Es row Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then b~ obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to a lY or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such rev Jcation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this ;ection 3. Lender may, at any time, collect and hold F mds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESP A, nd (b) not to exceed the maximum amount a lender can require under RESP A. Lender shall estimate th : amount of Funds due on the basis of current data and reasonable estimates of expenditures of future scrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institut' on whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if L mder is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall appl ' the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charg Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the E ¡crow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to m ke such a charge. Unless an agreementis made in writing or Applicable Law requires interest to be paid 0 the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrowe' and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give t I Borrower, without charge, an annual accounting of the Funds as required by RESP A. If there is a surplus of Funds held in esc ~ow, as defined under RESP A, Lender shall account to Borrower for the excess funds in accordance wit RESP A. If there is a shortage of Funds held in escrow, as defined under RESP A, Lender shall notify Bo rower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the sho tage in accordance with RESP A, but in no more than 12 monthly payments. If there is a deficiency of Fu ds held in escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Bo rower 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 y this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay ill taxes, assessments, charges, fines, and impositions attributable to the Property which can attain pri rity over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Comm nity Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lie which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment 0 the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perf rming such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien i , legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those Jroceedings are pending, but only until such proceedings are concluded; or ( c) secures from the holder of he lien an agreementsatisfactory to Lender subordinating the lien to this Security Instrument. If Lender d termines that any part of the Property is subject to a lien which can attain priority over this Security Instr ment, Lender may give Borrower a notice identifying the ,162 Otr";38l)~; - - - 087386"'; 463 lien. Within 10 days of the date on which that no ice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Sectiotl4. Lender may require Borrower to pay a ne-time charge for a real estate tax verification and/or reporting service used by Lender in connection IÌth this Loan. 5. Property Insurance. Borrower shall ke :p the improvements now existing or hereafter erected on the Property insured against loss by fire, hazar s included within the term "extended coverage," and any other hazards including, but not limited to, eart lquakesand floods, for which Lender requires insurance. This insurance shall be maintained in the amo nts (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 i surance 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 Borrower to pay, in connection with his Loan, either: (a) a one-time charge for flood zone determination, certification and tracking service;; or (b) a one-time charge for flood zone determination and certification services and subsequent charg :s each time remappings or similar changes occur which reasonably might affect such determination or ~ertification. Borrower shall also be responsible for the payment of any fees imposed by the Federal ~mergency ManagementAgency in connection with the review of any flood zone determination resultin from an objection by Borrower. If Borrower fails to maintain any of the overages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's xpense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefoe, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the roperty, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance co erage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. A y amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursementarrd shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender .lid renewals of such policies shall be subject to Lender's right to disapprove such policies, shall includ a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lnder 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 if insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, mch policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an a Iditionalloss 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 b Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or n)t the underlying insurance was required by Lender, shall be applied to restoration or repair of the Proper y, if the restoration or repair is economically feasible and Lender's security is not lessened. During such r pair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has ad an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfac ion, 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. Jnless an agreementis made in writing or Applicable Law requires interest to be paid on such insurance pr )ceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees f)r 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 feas ble or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured b ' this Security Instrument, whether or not then due, with MFWY7770 (11/00) / 041-269694-0 G -6A(WYllo005}.01 <!> - 'ago 13 of 15 76, Initials: / - --:J Form 3051 ""'K, 't.- . G- 1/01 - - - .-.-.-.-..-----.......-..-. the excess, if any, paid to Borrower. Such insurajlce proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lend r may file, negotiate and settle any available insurance claim and related matters. If Borrower does not 'espond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, th n 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 amount; unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than :he right to any refund of unearned premiums paid by Borrower) under all insurance policies covering he Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the ins trance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Se :urity Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, e tablish, and use the Property as Borrower's principal residence within 60 days after the execution of t lis Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower' control. 7. Preservation, Maintenance and Prote tiOD of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allo the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing i I the Property, Borrower shall maintain the Property in order to prevent the Property from deterioratin or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to void further deterioration or damage. If insurance or condemnation proceeds are paid in connection w th damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring th : Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the r :pairs and restorationin a single payment or in a series of progress payments as the work is completed. If t Ie insurance or condemnationproceeds are not sufficient to repair or restore the Property, Borrower is no relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interio of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such a l interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borro 'er shall be in default if, during the Loan application process, Borrower or any persons or entities a ;ting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, mislading, or inaccurate information or statementsto Lender (or failed to provide Lender with material nformation) in connection with the Loan. Material representations include, but are not limited to, epresentationsconcerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the roperty and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and a ~reementscontainedin this Security Instrument, (b) there is a legal proceeding that might significantly aff:ct Lender's interest in the Property andjorrights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priori y 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 ioterest in the Property and rights under this Security Instrument, including protecting andjorassessing the value of the Property, and securing andjorrepairing the Property. Lender's actions can include, but re not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrum nt; (b) appearing in court; and (c) paying reasonable Initial.: /Z6'~ \2..[,& Form 3051 1/01 Pi.ge 7 of 1 5 MFWY7770 (11100) I 041-269694-0 Q -6A(WYI (00051.01 ~ 46 (J - - 'l'¡';'~'~ 3" ~ t·t~j '.ic'j I 0'0 I US'738Gt"( 'i65 attorneys' fees to protect its interest in the Prop rty and/orrights under this Security Instrument, including its secured position in a bankruptcy proceedin ~. Securing the Property includes, but is not limited to, entering the Property to make repairs, change 1 cks, replace or board up doors and windows, drain water from pipes, eliminate building or other code vi lations or dangerous conditions, and have utilities turned on or off. Although Lender may take action und:r this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agre ~d that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under his Section 9 shall become additional debt of Borrower secured by this Security Instrument. These am unts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such . lterest, upon notice from Lender to Borrower requesting payment. If this Security Instrumentis on a leaseh ld, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Prop :rty, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lenderrequir :dMortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to ma ntain the Mortgage Insurancein effect. If, for any reason, the Mortgage Insurance coverage required by Leader ceases to be available from the mortgage insurer that previously provided such insurance and Borro 'er was required to make separately designated payments toward the premiums for Mortgage Insuranc , Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortg ge Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mo ~tgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If subs antially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Le der the amount of the separately designated payments that were due when the insurance coverage ceased 0 be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in ieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that th ; Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnin ;s 011 such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance cover a e (in the amount and for the period that Lender requires) provided by an insurer selected by Lender ag in becomes available, is obtained, and Lender requires separately designated payments toward the prem'l1msfor Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan a ld Borrower was required to make separately designated payments toward the premiums for Mortgage nsurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirementfor Mortgage Insurance ends in acc rdance with any written agreement between Borrower and Lender providing for such termination or until trminationis required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay i lterest at the rate provided in the Note. Mortgage Insurance reimburses Lender (0 any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Lo m as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk In all such insurance in force from time to time, and may enter into agreementswith other parties that shar ~ or modify their risk, or reduce losses. These agreements are 011 terms and conditions that are satisfactory :0 the mortgage insurer and the other party (or parties) to these agreements. These agreementsmay requir the mortgage insurer to make payments using any source of funds that the mortgage insurer may have av ¡lable (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, a lY purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the fo regoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a po tion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortga ~e insurer's risk, or reducing losses. If such agreement provides that an affiHate of Lender takes a sh tre of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement i¡ often termed "captive reinsurance." Further: (a) Any such agreements will not affec the amounts that Borrower has agreed to pay for Mòrtgage Insurance, or any other terms of th ~ Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and the:y will not entitle Borrower to any refund. 2' Initials: ¡< ....6 ~ MFWY7770 (11/00) I 041-269694-0 G -6A(WY (0005),01 <!> ·_·_·····,__·_·_··__._._.,,~_M__._.__.________.. ___ __,."'....._~.....__..,.___.._._____._..,___. ____________.____n_.___..".......____ - 'ag" II of 15 \<.[.& Form 3051 1/01 - - "...-".-.--------. _..__.,--.~--_. ------.----.-.- .-- --.-----.---..-----..----.-----,.. 1/01 Initials: ;Z¿, '" (íJ _ Form 3051 \~. ~ ,G- 'ago 9 of 15 MFWY7770 (11/00) I 041-269694-0 .. -6A(WYII00051.01 <!> (b) Any such agreements will not affect~the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Jrotection 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 I surance 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 Proce ds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaeous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is eco omically feasible and Lender's security is not lessened. During such repair and restorationperiod, Lendrshall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect mch Property to ensure the work has been completed to Lender's satisfaction, provided that such inspect on shall be undertakenpromptly. Lender may pay for the repairs and restoration in a single disbursem nt or in a series of progress payments as the work is completed. Unless an agreementis made in writitlg or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be re uired to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or rep lÍr is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall b ; applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destructÍ<~n, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured bjr this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destructio , or loss in value of the Property in which the fair market value of the Property immediately before the p lrtial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured b r 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 t tal amount of the sums secured immediately before the partial taking, destruction, or loss in value livided by (b) the fair market value of the Property immediately before the partial taking, destructi n, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destructio ,or loss in value of the Property in which the fair market value of the Property immediately before the p rtial taking, destruction, or loss in value is less than the amount of the sums secured immediately befor ~ the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or ot the sums are then due. If the Property is abandoned by Borrow ~r, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentenc :) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 d IYs after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceed; either to restoration or repair of the Property or to the Sums secured by this Security Instrument, wheth :r or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or he party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action r proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture 0' the Property or other material impairment of Lender's interest in the Property or rights under this Sec rity 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 judgm mt, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property ::Jr rights under this Security Instrument. The proceeds of any award or claim for damages that are attribut lble 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 pplied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 46G - - - u~r738G""; MFWY7770 (11100) / 041-269694-0 Q -6A(WY) 100051.01 (!) .ge 1 0 of 1 5 Initi.ls: ~ 6- ¥.C.l.- Form 3051 1/01 US738b7 46'7 12. Borrower Not Released; Forbearan e By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the SIms secured by this Security Instrumentgranted by Lender to Borrower or any Successor in Interest of Bor ~ower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lener shall not be required to commence proceedings against any Successor in Interest of Borrower or toefuse to extend time for payment or otherwise modify amortization of the sums secured by this Securit Instrumentby reason of any demandmade by the original Borrower or any Successors in Interest of Borro Ner. Any forbearanceby Lender in exercising any right or remedy including, without limitation, Lender' acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amount ìless 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-sign rs; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liabil ty shall be joint and several. However, any Borrowerwho 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 an convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not per ;cnally 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 t ~rms 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 Instr Imentin 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 S ~curity Instrumentunless Lender agrees to such releasein writing. The covenants and agreements of thi: Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assig IS of Lender. 14. Loan Charges. Lender may charge :orrower fees for services performed in connection with Borrower's default, for the purpose of protecti Lg 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 expre :s authority in this Security Instrumentto charge a specific fee to Borrower shall not be construed as a proh' bition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Securit I Instrument or by Applicable Law. If the Loan is subject to a law which sets m lXÎmum loan charges, and that law is finally interpretedso that the interest or other loan charges collected )r to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charg , shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums lready collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender m~y choose to make this refund by reducing the principal owed under the Note or by making a direct ayment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepay lent without any prepayment charge (whether or not a prepayment charge is provided for under the N )te). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a wai 'ef of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrow:r or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in c ,nnection with this Security Instrumentshall be deemed to have been given to Borrower when mailed by irst 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 othe wise. The notice address shall be the Property Address unless Borrower has designated a substitute nof ce address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedurefor reporting Borrower's change of address, then Borrower shall only re ort a change of address through that specified procedure. There may be only one designated notice addr :ss 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 a lather address by notice to Borrower. Any notice in connection with this Security Instrument shall n >t be deemed to have been given to Lender until actually received by Lender. If any notice required by t Lis Security Instrumentis also required under Applicable Law, the Applicable Law requirement will sa isfy the corresponding requirement under this Security Instrument. -----,---_._._~- '--"-'------"'-------'-.- _._---_...._..,.-._--_.,,-_..~_.,_._.__.._._,_.__.~.,-,--_._~------- "----.-,-.---.---....-. - - - .."-.------. 1/01 '"''''" ~¿~"m 3051 C2.~,& P~g. 11 of 15 MFWY7770 (11/00) / 041-269694-0 .. -6A(WYI (00051.01 C!> 16. Governing Law; Severability; Rule of Construction. This Security Instrument shall be governed by federal law and the law of the juri diction in which the Property is located. All rights and obligations contained in this Security Instrum nt are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitl or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this S curity Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisi [1S of this Security Instrumentor the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) ~lOrds of the masculine gender shall mean and include corresponding neuter words or words of the fe tÍnine gender; (b) words in the singular shall mean and include the plural and vice versa; and ( c) the wo ~d "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be gi en one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Benefi'ial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or ben~ficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bon for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the tran ;fer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Int restin the Property is sold or transferred ( or if Borrower is not a natural person and a beneficial interesti Borroweris sold or transferred)without Lender's prior written consent, Lender may require immediat : 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 this option, Lender sha I give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from t le date the notice is given in accordance with Section 15 within which Borrower must pay all sums secur ~d by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this peri d, Lender may invoke any remedies permitted by this Security Instrument without further notice or de land on Borrower. 19. Borrower's Right to Reinstate Afte Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcem~nt of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale 0 the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period IS 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 1I1 sums which then would be due under this Security Instrumentand the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; ( c) pays all expenses incurred in enf rcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspect' on and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Pr ¡perty and rights under this Security Instrument; and (d) takes such action as Lender may reasonably req lÍre to assure that Lender's interest in the Property and rights under this Security Instrument, and Borro er's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lenderm .y require that Borrower pay such reinstatementsums and expenses in one or more of the following form, 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 fe teral agency, instrumentality or entity; or (d) Electronic Funds Transfer. Uponreinstatementby Borrowe , this Security Instrumentand 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 1 . 20. Sale of Note; Change of Loan Service ï Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrumen ) can be sold one or more times without prior notice to Borrower. A sale might result in a change in he 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 Securi y Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelaed to a sale of the Note. If there is a change of the Loan Servicer, Borrowerwill be given written notice 0' the change which will state the name and address of the new Loan Servicer, the address to which paymnts should be made and any other information RESPA t168 - .. - 0873867 469 Uß73~b7 requires in connection with a notice of transfer ,f servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purc laser of the Note, the mortgage loan servicing obligations to Borrowerwill remain with the Loan Servicer )r be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwis provided by the Note purchaser. Neither Borrower nor Lender may comme lce, join, or be joined to any judicial action (as either an individual litigant or the member of a class) t at arises from the other party's actions pursuant to this Security Instrumentor that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such B )rrower or Lender has notified the other party (with such notice given in compliance with the requireme tsof Section 15) of such alleged breach and afforded the other party hereto a reasonable period after he giving of such notice to take corrective action. If Applicable Law provides a time period which ust: elapse before certain action can be taken, that time period will be deemed to be reasonable for pu ~poses of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursua It to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deem :d 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 substa ces, 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 conta ning asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federallaws an laws of the jurisdiction where the Property is located that relate to health, safety or environmental protec ion; ( c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as d :fined 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 pre ence, use, disposal, storage, or release of any Hazardous Substances, or threatento release any HazardousSubstances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting he Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condit on, or ( c) which, due to the presence, use, or release of a HazardousSubstance, creates a condition that a lversely 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 recogn ized to be appropriate to normal residential uses and to maintenance of the Property (including, but not imited to, hazardous substances in consumer products). Borrower shall promptly give Lenderwritt n notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulato y agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any EnvironmentalCondition, including but not limit ~d to, any spilling, leaking, discharge, release or threat of release of any HazardousSubstance, and (c) a y condition caused by the presence, use or release of a Hazardous Substance which adversely affects th value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any HazardousSubstance affecting the Proper y is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environme:ltaILaw. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. MFWY7770 (11/00) / 041-269694-0 G -6A(WY) (00051,01 @ Initials: ;26," ~"(,.'6- Form 3051 P Igo 12 of 1 5 1/01 . ..._._--_..._~-----".. - - - Form 3051 1/01 t2.5 G P¡'g" 13 of 15 MFWY7770 (11/00) / 041-269694-0 _ -6A(WYlloo05I,OI $ Initials: 7¿, 24. Waivers. Borrower releases and wa~\les all rights under and by virtue of the homestead exemption laws of Wyoming. 23. Release. Upon payment of all sums SeCjlfed by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if th : fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicabl ~ Law. If Lender invokes the power of sale, Len ler shall give notice of intent to foreclose to Borrower and to the person in possession of the Prope 'ty, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrow :r ill the manner provided in Section 15. Lender shall publish the notice of sale, and the Property ;hall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at allY sale. The proceeds of the sale shall be applied in the following order: (a) to all xpenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums sec red by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Acceleration; Remedies. Lender shall ive notice to Borrower prior to acceleration following Borrower's breach of any covenant or agrement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicabl 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 lefault must be cured; and (d) that failure to cure the default on or before the date specified in the n )tice may result in acceleration of the sums secured by this Security Instrument and sale of the Prop ~rty. The notice shall further inform Borrower of the right to reinstate after acceleration and the rig It 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 .t its option may require immediate payment in full of all sums secured by this Security Instrument vithout further demand and may invoke the power of sale and any other remedies permitted by A Iplicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies pr Ivided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evi ence. N ON- UNIFORM COVENANTS. Borrowe~ and Lender further covenant and agree as follows: 470 - I- I - U8t"';:.)8Gt7 I" O~:r7J8b , ,171 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed y Borrower and recorded with it. Witnesses: (Seal I -Borrowe ' (Seal) -Borrowe' (Seal) -Borrowe' MFWY7770 (11/00) / 041-269694-0 G-6A(WY) 100051.01 @ .. ....-....-. ._._.....~....- --................---.-........ -1'-' . _._u,'+,._._.___ - Ø/;:d ¿.s:. '-'- y, ~ea1) ROD B. GARDNER -Borrower ~Çi)ð~ 9-- r;;, ~"'::'-(sea1) RACHEL E. GARDNER -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower 'ago 14 of 15 Form 3051 1/01 - - U8738b~; 472 STATE OF WYOMING, Lincoln County ss: by ROD B. GARDNER AND RACHEL E. GARD~ER, HUSBAND AND WIFE The foregoing instrument was acknowledg~d before me this Rth dav of .Tunp., 2001 My Commission Expires: 9/18/03 Q{¢fJf/A~ Notary Public p ,V. ones MFWY7770 (11100) / 041-269694-0 ca -6A(WY) (0005).01 (!) P g" 1 5 of 1 5 Initiol.: 2¿,. Form 3051 1/01 \2. . s .,l,- ..-...., ....,... ."~ ---..., .-~-.-- -~._........._--_....-._-- ."'---."-.. - - -