The URL can be used to link to this page

Home My WebLink About946562 /L /./ ¡ " , v S'; ~, 6010917733 Return To: WFHM FINAL DOCS X2599-024 405 SW 5TH STREET DES MOINES, IA 50309-4600 RECEIVED 4/15/2009 at 10:51 AM RECEIVING # 946562 BOOK: 720 PAGE: 518 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY Prepared By: WELLS FARGO BANK, N. A. 1150 W WASHINGTON ST" TEMPE, AZ 852810000 00&51.8 [Space Above T.hls Line For Reeordlug Datal MORTGAGE DEFINITIONS Words used ill multiple sections of this document are defined below and other words are defmed m Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words llsed in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is datedAPRIL 10, 2009 together Wltn aU Riders to this docllment, (B) "Borrower"is TODD L MOORES, A SINGLE PERSON Borrower IS the mortgagor under this Security Insirument. (C) "Lender"is WELLS FARGO B1\NK IN, A . Lender Is a NATIONAL ASSOCIATION organized and existing under the laws of THE UNITED STATES Lendor's address IS P.O. ;BOX 11701, NEWARK, NJ 071014701 Lender IS the mortgagee under this Security Instrument. 0099373318 ~~~JN.G . Slngl. Family· Fanni. MaaIFroddlo M.. UNIFORM INSYRUMENT Wolle... Kluwor FlnQnolal SalVlo.. Inllla~ Fonn 3051 j/01 VMP8(WYI (0803).00 "'ag. 1 of 18 NMFL 3051 (WYCM) Rav 5/2006 IIII~ IIIIIII~III~~~II~ " II ----, (·~'Ov51.9 (D) "Note" means the promIssory note signed by BOlTower and datedAPRIL 10, 2009 The Note states tbat BOJ,Tower owes Lender1'WO HONDRED FIFTY TWO THOUSAND AND 00/100 DoJlars (U.S. $ ****252,000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Pa.yments and to pay the debt in full not later than MAY 01, 2039 (E) "Property"means the property that is described below under the headíng "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus mterest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (G) "Rjders" means aU Riders to this Secunty Instrument that are executed by Borrower, The followmg Riders are to be executed by BOITower [check box as applicable]: B Adjustable Rate Rider D Condommium Rider B Second Home Rider Balloon Rider D Plannod Unit Development Rider 1-4 FamIly Rider D VA Rider D Biweekly Payment Rider 0 Other(s) [specIfy] (H) "AppUcable Law" means aU controlling applicable federal, state and local statutes, regulations, ordinances and admimstrative rules and orders (that have the effect of law) as well as aU applicable final, non.appealable JudicIal opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condommium assocIation, homeowners association or similar organIzation. (J) "Electronic Funds Transler" means any transfer of funds, other than a transaction originated by check, draft, or simIlar paper insirument, which is initiated through an electronic termInal, telephonIc instrument, computer, or magnetIc tape so as to order, instruct, or a.uthorize a financial institution to debit or oredit an account. Suoh term mc1udes, but is not limIted to, pOlnt-of-sale transfers, automated tener machine transactions, transfers initiated by telephone, WIre transfers, and automated clearinghouse transfors, (K) "Escrow Items " meanstbose items that are desoribed in Section 3. (L) "Miscellaneous Proceeds 11 means any compensation, sottlement, award of damages, or proceeds paid by any third party (other than 1nsurance proceeds paId under the coverages doscribed in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or otbor taking of all or any part of the Property; (iii) conveyance in lieu of condl'mnation; Or (iv) misrepres~mtations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (i) prmclpal and interest under the Note, plus (ii) any amounts under Section 3 oftros Secunty Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 V.S.C. Section 2601 et seq.) and its unplementing regulation, Regulation X (24 C,F,R. Part 3500), as they might be amended from time to time, or any additional or successor legIslation or regulation that governs the same subject matter, As used in this Security Instrument, "RESP A" refers to all requirements and restrictIons that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qua]ify as a "federally related mortgage loan" under RESP A. WYOMING. Slnglo FemUy· Fannlo Moo/Froddl. Moo UNIFORM'INSTRUMENT VMP Œ! WoKo.. Kluwer Flnanolal Sorvloes InltlOIJAt Fotm 30511/Ql VMP6(WY) (0808).00 pago 2 of 16 -'-----'1 ,.-1.1,1 ÜÛv520 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has asstlmed Borrower's obligations under the Note ancVor this Security Insirument. TRANSFER OF RIGHTS IN THE PROPERTY This Sec\lflty Instrumont secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Seourity Instrument and the Note. For this purpose; Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, tl"¡e fol1owing described property located m the COUNTY of LINCOLN (Typ~ of Recording Jurisdiction] [Name of Recording lunsdiction] SEE LEGAL DESCRI;l?TION ATTACHED ~RETO AND MADE A PART THEREOF' TAX STATEMENTS SHOULD BE SENT TO: 11701, NEWARK, NJ 071014701 WELLS FARGO HOME MORTGAGE, P.O. BOX Parcel IDNumber: 1.222151940001000 44065 US HWY 189 NORTH KEMMERER ("Property Address"): which currently bas the address of [Street] [City], Wyoming 83101 [Zip Code] TOGETHER WJTH al1 the improvements now or hereafter erected on the property, and all easements, appurtenanCQS, and fixtures now or hereafter a part of the property; All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Insirument as the "Property," BORROWER COVENANTS that Borrower IS lawfully seised of the estate hereby conveyed and has the nght to mortgage, grant and convey the Property and that the Property IS unenctlmbered, except for encumbr!IJ:Ices of record. Borrower warrants and will defend generally the title to the Property agamst all clroms and demands, subject to any encumbrances of record, THIS SECURITY INSTRUMENT combines umform covenants for national use and non-uniform covenants with limIted variations by junsdiction to constitute a uniform security mstrument covering real property. WYOMING. Slnglo Family. Fen"'o Mee/Froddl. MaD UNIFORM INSTRUMENT VMP~ Wolloro Kluwer Financial Sorvloos 1J1A FOI1ll a051 1/01 , VMP6(WY) (0603).00 InlUals: Poyo 3 of 1 G ---""', II 000521. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower snaU pay when due the principal of, and interest on, the debt eVIdenced by the Note and any prepayment charges and Jate charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to SectIon 3. Payments due under the Note and this Socunty Ins1rument sha1l be made III V.S, currency. However, if any check or other Instrument received by Lender as payment under the Note or this Secunty Insirument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made In one or more of the following 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 1s drawn upon an institution whose deposits are Insured by a federal agency, instrumentality, or ontity¡ or (d) Electromc Funds Transfer, Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender m accordance With the nottce provisions in' Section 15, Lender may return any payment or partia:l payment if tbe payment or partial payments are Insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, WIthout waiver of any nghts hereunder or prejudice to its nghts 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 intercst on unapplied funds. Lender may hold such unapplied funds ùntil Borrower makes payment to· bnng the Loan CUlTent, If Borrower does not do so within a. reasonable period of tune, Lender shall either apply such funds or return them to Borrower, IfMt appJiod earlier, such funds will be app1iedto the outstanding pnncipal balance under the Note Immediately prior to foreclosure, No offset or claim which Borrower might have now or in the future agaInst Lender shall relieve Borrower from making payments due under the Note and this Secunty Insirument or performmg the covenants and agreements secured by this Secunty Instrument. 2. Application of Payments or Proceeds. Except as otherW1se descnoed in this Section Z, all payments accepted and applied by Lender shall be applied in the folloWIng order of pnority: (a) mterest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Pen odic Payment In the order in which It became due. Any remaming amounts sball be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the princIpal balance of the Note. If Lender receives a payment from Borrower for a delinquent Ponodic Payment which includes a sufficIent amount to pay any late charge due, the payment may be applied to the delinquent payment and the late ch!ll'ge. If more than one PerIodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Penodic Payments if, and to the extent that, each payment can be paId in full, To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shan 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 shaU not extend or postpone the d\10 date, or change the amount, oftbe Periodic Payments. 3. Funds for Escrow Items. Borrower shaH pay to Lender on the day Periodic Payments are due under the Note, until the Note IS paid in ful1, a sum (the "Funds") to proVIde for pa.yment of amounts due for: (a) taxes and assessments and other items which çan attaIn priority over this Security In.strument as a ro~OOING . Single Femlly . F""nle Ma./Freddle Ma. UNIFORM INSTRUMENY Wo~e.. KluwefFlnenclal ,geNlce. T M Fo,m 30611/01 VMP6(WY (0803).00 InIUaI.: . ~ag. 4 of 16 II 1"'''''-- . JI.I!:! ÜOú522 lien or encumbrance on the Pr perty; (b) leasehold payments or grOlmd rents on the Property, If any; (c) premIums for any and all in ance requIred by Lender under Section 5; and (d) Mortgage Insurance premiums, If any, or any su s payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premlUms in accor ance wIth tbe provIsions of Section 10. These items are called "Escrow Items." At ongmation or at y tIme dunng the tenn of the Loan, Lender may require that Community Association Dues, Fees, and ssessments, if any, be escrowed by Borrower, and such dues, fees and assessments shan be an Escro Item. Botfowor shall promptly furnish to Lender all notices of amoUnts to be paid under this Section, B Itfower shall pay Lender the Funds for Escrow Items unless Lender waives BOtfower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Fu¡dS for any or an Escrow Items at any time, Any such waivor may only be in writing. In the event of sue waiver, BOtfower shall pay directly, when and where payable, the amounts due for any Escrow Items for hich .payment of Funds has been waIved by Lender and, If Lender requires, shall furnisn to Lender receipt evídenemg such payment WIthin such time period as Lender may requITe. Borrower's obligation to mak~ such payments and to provide receipts shall for an purposes be deemed to be a covenant and agreement cøntained in this Security Instn,Jment, as the pfirase "covenant and agre6ment" is used in Section 9, If Borrower is obligated to pay Escrow Items dir6Ctly, pursuant to a waiver, and BOtfower fails to pay tne amo~'nt due for an Escrow It61ll, Lender may exercise its rights under Section 9 and pay such amount and B01wer sban then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke t e waiver as to any or all Escrow ]terns at any time by a notice gIven In accordance with Section 15 d, upon such revocatIOn, Borrower shall pay to L6nder aU Funds, and in such amounts, that are then roq mxl under this Section 3. Lender may, at any time, IcoUect and hold Funds m an amount (a) .sufficIent to pennlt Lender to apply the Funds at the time specifieGl under RESPA, and (b) not to exceed the maXlInum amount a lender can require undor RESP A. Lende~ shall estimate the amount of Funds due on the basis of curront data and reasonable estimates of expen 'tures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be he d In an institution whose deposits are msured by a federal agency, instrumenta1ity, or entity (inel ding Lender, if Lender IS an Institution whose deposits are so Insured) or In any Federal Home Loan Bank. Londer shall apply the Funds to pay the Escrow ]tems no later than the time specIfied under RESPA. Lendr shaH not charge BOtfower for holding and applYIng the Funds, annually analyzing the escrow account, fr verifying the ESèrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law po~ts Londer to make such a charge, Unless an agreement is made m wnting or Applicable Law requlI'es 1D rest to be paid on the Funds, Lender shall not be required to pay Borrower any mterest or earnIngs on th t Funds. Bon:ower and Lender can agree In wnting, however, that interest shan be paId on the Funds. L nder shall gIve to Borrower, without charge, an annual accounting of the Funds as reqUired by RESP A. If there is a surplus of ttunds held in escrow, as defined under RESP A, Lender shall aCCOlJnt to Botfower for the excess funds n accordance WIth RESP A. If there is a shortage of Funds held in escrow, as defined under RESP A, Len er shan notify BOtfower as requITed by RESP A, and Borrower shaH pay to Lender the amount necessary make up the shortage ill accordance with RESP A, but in no more than 12 monthly payments. If there ]s deficIency of Funds held in escrow, as defined under RESP A, Lender shan notify Borrower as req\.lired b RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency m accordanc WIth RESPA, but in no more than 12 monthly payments. Upon payment in full of 11 sums secUTed by this Seeunty Instrument, Lender shan promptly refund to Botfower any Funds held by Lender. I I WYOMING. Single Femlly . Fannl. MaelF,.ddle Mac UNIFORM INSTRUMENT VMPIãJ Wolt.rs Kluw.r FInancial Servt... InlualJÎ41 ............-- " Form 3061 1/01 VMP6(WY) (0803}.OO Page 6 of 16 Ü¡Oú523 4. Charges; Uens. Borrower shall pa.y alI taxes, assessments, charges, fines, and impositions atlributablo to tho Property which can attain pnority over this Security Instrument, leaseh01d payments or ground rents on the Property, if any, and Comm1lTlity 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 shaJl promptly discharge any lien which has priority over this Secunty Instrument unless Bonower: (a) agrees in writing to the payment of the obligatIon secured by the lien in a manner acceptable to Lender,. but only so long as Borrower IS perfomling 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 whi1e those proceedings are pending, but only until such proceedings are concluded; or (c) secures ITom 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 prionty over this Secunty Instrument, Lender mAY give Borrower a notice Identitying the lien. Within 10 days of the date on which that notice is given, Borrower shall satIsfY the lien or take one or moro of the actions set forth above m this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender In connection with this Loan. 5. 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 requITes msurance, This Insurance shall be maintamed in the amounts (including deductible levels) and for the periods that Lender requires, What Lender requires pursuant to the preceding sentences can change during the term of tne Loan, The insurance carrier providing the msurance shall be chosen by Borrower subject to Lender's nght to disapprove Borrower's choico, which right shall not be exercIsed unreasonably. Lender may reqmre Borrower to pay, in connection WIth this Loan, either: (a) a one-time charge for flood zone detenmnation, certIfication and tracking servIces; or (b) a one-time charge for flood zone determmation and certification services and subsequent charges each time remappmgs or slIniJar changes occur which reasonably might affect such determination or certificatIon. Borrower shall also be responstble for the payment of any fees Imposed by the Federal Emergency Management Agency in connection with the reVIew of any flood zone determmation resulting nom an objection by Borrower, If Borrower fails to mamtain any of the coverages descnbed above, Lender may obtam msurance coverage, at Lender's option and Borrower's expense, Lender is under no obligation to purchase any particuJar type or amount of coverage, Therefore, such coverage shall cover Lender, but mIght or mIght not protect Borrower, 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 than was previously in effect. Borrower acknowledges that the cost of the InSurance coverage so obtained might sigmficantly exoeed the cost of Insurance that Borrower could have obtamed. Any amounts disbursed by Lender under this Section 5 shan become additional debt of Borrower securod by this Security Instrument. These amounts shall bear mtorest at the Note rate from the date of disbursement and shall be payable, with such mterest, upon notice from Lender to Borrower roquesting payment. AU insurance policIes reqUIred by Lender and renewa1s of such policIes shan be subject to Lender's right to disapprove such po1iCles, shall mclude a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional Joss payee. Lender shan have the rigbt to hold the policies and renewal certificates, If Lendor requires, Borrower sha.ll promptly give to Lender all receipts of paid premiums and renewal notices, If Borrower obtains any foan of insurance coverage, not otherwIse required by Lender, WYOMING· Single FemUy . Fannl. M...JFr.ddlo Ma. UNIFORM INSTRUMENT VMP(Ø> Wolle.. KJuwer Flnenolal S.rvloe. n I Fo,m 80511101 VMP6(WY (0608).00 Inlllals: ~ag. 6 of 16 eOú524 for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as ~ additional loss payee. In the event of loss, Borrower shan gIve prompt notice to the insurance C81Tler and Lender. Lender may make proof of loss Û not made promptly by Borrower, Unless Lender and Borrower otherwise agroe in writing, any Insurance proceeds, whether or not the underlymg Insurance was required by Lender, shall be applied to restoration or repaIr of the Property, if the restoration or repair is economIcally feasIble and Lender's socunty is not ]essened. Dunng such repair and restoration period, Lender shall have the Tight 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 mspection shall be undertaken promptly. Lender may disburse proceeds for the repa1fS and restoration 1n a single payment or m a senes of progress payments as the work is completed. Unless an agreement IS made ill wnting or Applicable Law requires mterest 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 BOlTower shall not be paid out of the Insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the ]nsura.nce proceeds shall be applied to the sums secured by this Security Insirument, whether or 110t then due, with the excess, Û any, paId to Borrower, Such insurance proceeds shall be applied in the order provided for In Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any avai1able msmance claIm and related matters, If Borrower does not respond within 30 days to a notice &om Lender that the insurance carner has offered to settle a cJaim, then Lender may negotiate and settle the cJaím. The 30-day penod will begin when the notice is given. In either event, or ]f Lender acquires the Property under SectIon 22 or otherwIse, BOlTower hereby assIgns to Lendor (a) Borrower's nghts to any insurance proceeds in an amount not to exceed tno amounts unpaId under the Note or this Security Insirument, and (b) any other of Borrower's rIghts (other than the right to any refund of unearned premiums paid by Borrower) under all insurance poJic]es covering tho Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the Insurance proceeds either to repair or restore the Property or to pay amounts .unpaid under the Note or this Secunty Instrument, whether or not then due. 6. Occupancy. Borrower shaU occupy, establish, and use the Property as B01Towers principal residence within 60 days after the execution of this Secunty Instrument and shall continue to occupy the Property as Borrower's principal resldemce 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 ClTcumstances exist whicb are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. BOlTower shaH not deslTOY, damage or impalr the Property, allow the Property to detenorate or comm1t waste on the Property. Whether or not BOlTower is resIding in the Property, Borrower sha1l maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to Its condition, Unless ]t is determïned .pursuant to Section 5 that repair or restorat1On IS not economIcally feasIble, BOlTower shall promptly repaIr the Property if damaged to avoid further detenoration or damage, If InSUrance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairillg or restonng the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repaJTS and restoration m a sIngle payment or In a senes of progress payments as the work ]$ completed. If the insurance or condemnation proceeds are not sufficIent WYOMING. Slngl. FamIly· Feml. Ma./Freddl. Mac UNIFORM INSTRUMENT VMP(j) WolI.ra Kluw.r Flna"cl.1 S.rvlcllS -- '1 Form 3051 1101 / VMP6!W (0803).00 1"111810: I It 'fJa¡¡e 7 of 16 ~ ! OOû525 to repair or restore the Property, Borrower IS not relieved of Borrower's obligation for the completion of such repair 01." restoration, Lender or its agent may make reasonable entries upon and inspections of the Property, If it has reasonablo cause, Lender may inspect the mterior of the improvements on the Property. Lender sha.U give Borrower notice a.t the time of or prior to such an intenor inspection specIfying such reasonable cause. 8. Borrowerls Loan Application. Borrower shall be m 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 matena.lly fa1se, DlÍsleading, or inaccurato mfonnation or statements to Lender (or f!riled to provide Lender Wlth matenal mformation) m connection With the Loan. MatenaJ representations inchlde, but are not linutcd to, representations concerning Borrower's occupancy of the Property as Borrower's principaJ residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Secunty Instrument, (b) there IS a legal proceeding that might sigmficantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attam priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatevor IS reasonable or a.ppropnate to protect Lender's mterest in the Property and rights under this Security Instrument, Including protecting and/or assessmg the 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 Sec'Urity 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 m a. bankruptcy proceeding. Securing the Property mcludes, but IS not limited to, entenng the Property to make repairs, change locks, replace or board up doors and windows, dram water from pipes, e1immate building or other code VIolations or dangerous conditions, and have uti1ities turned on or Qff. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreod that Lender incurs no liabi1íty for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender 'UIlder this Section 9 shall become additiona1 debt of Borrower secured by this Security Instrument. These amounts shaH bear mterest at the Note rate fÌom the date of disbursement and shall be payablo, WIth such interest, upon notice fÌom Lender to Borrower requestmg payment. If this Security Instrument is on a leasehold, Borrower shall comply with a11 the proVIsions of the lease, If Borrower acqUIres fee title to the Property, the leasehold and the fee title shan 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 premi'Ums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage lnsurance coverage required by Lender ceases to be available from the mortgage insuror that previously provIded such msurance and Borrower was reqUIred to make separately deslgnatod payments toward the premiums for Mortgage Insurance, Borrower shall pay the premIUms requITed to obtain coverage substantially equiva1ent to the Mortgage Insurance previously In effect, at a cost substantíal1y equIVaJent to the cost to Borrower of the Mortgage Insurance prevIOusly 1n effect, ITom an alternate WYOMING· Slnglo Family. Fannl. M.elF,.ddlo Ma. UNIFORM INSTRUMENT VMPiØ) Woll.,. Kluwer Ananclal SOf\lloes InlllalsT ¡Øl Form 80611101 VMP6(WY) (0803).00 Pago 8 of 16 I. 000526 mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage IS not available, Borrowor shall continue to pay to Lendor the amount of the separately designated payments that were due wben the insurance coverage ceased to be In effect. Lender w1l1 accept, use and retain theso payments as a non-refundable loss reserve In lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwttbstancling the fact that the Loan is ultimatoly paId ìn fun, and Lender shall not be rcquU"ed to pay Borrower any intorest or earnings on such loss reserve, Lender can no longer requite loss reserve .payments if Mortgage Insurance coverage (in the amount and for the period that Lender reqUIres) provided by an insurcr solected by Lender agam becomes available, 1S obtamed, and Lendor reqUIres separately designated payments toward the premIums for Mortgago Insurance. If Lender reqUIred Mortgage Insurance as a condition of making the Loan and Borrower was requited to make separately desIgnated paymonts toward tho premIums for Mortgage Insurance, Borrower shall pay the premiums required to ma.mtain Mortgage Insurance m effect, or to provide a non-refundable loss reserve, until Lender's requ1rement for Mortgage Insurance ends in accordance wIth any wntten agreement between Borrower and Lender proVIding for such termmation or until tennma1Íon IS required by Applicable Law, Nothing m this Section 10 affects Borrower's obligation to pay mterest at the rate proVIded in the Note. Mortgage Insurance re1tnburses Lender (or any entity that pllrchases the Note) for certain losses it mayincunfBoITowerdoesnotrepaythe Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage Insurers ovalllate theU" total rISk on all such insurance in force from time to time, and may enter into agreements WIth other parties that share or modifY thelf risk, or reduce losses, These agreements are on tcnns and conditions that are satisfactory to the mortgage insurer and the other party (Of parties) to thes.e agreements. These agfeements may require the mortgage msurer to make payments usmg any source of funds that the mortgage insurer may have avaIlable (which may include funds obtained from Mortgage Insurance· premmms). As a result of these agreements, Lender, any purchaser of the Note, another Insurer, any reinsurer, any other entity, or any affiliate of any of the forQgomg, may recelve (directly or indireètly) amounts that derive fÌ'om (or JUlght be cnaracterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharmg or modifYing the mortgage msurer1s risk, or reducing losses. If sucb agreement providos that an affiliato of Lender takes a share of the insurer's nsk in exchange for a share of the premIums paId to the insurer, tne arrangement is often tenned "captive re1nsurance." Further: (a) Any such agreements wi)] not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of tbe Loan. Such agreements will not jncrease tbe amount Borrower will owe for Mortgage Insurance, and they wUI not entitle Borrower to any refund. (;¡) 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 Jaw. These rights may include the right to receive certajn disclosures, to request and obtain canceIJation 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 cancelJationor termination. 11. Assignment of Miscel]¡meous 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 pr repaIr of the Property, If the restoration or repair IS economlCal1y feasible and Lender's secunty is not lessoned. During such repatr and restoratIon pcriop, Lender shall have the nght to ho1d such Miscellaneous Proceeds until Lender has had an opportumty to mspect such Property to ensure the work has been completed to Lendor's satisfaction, proVIded that such Inspection shall be undertaken promptly. Lender may pay for the WYOMING· Slngl. FamUy . Fannie Mae/Freddie Mao UNIFORM INS"fRUMENT VMP~ WOII.'" Kluwer FlnallOlal SeIVlo.. -:--/11 Form 3061 1/01 / f VMPe(WY (0808).00 InitialS:! ~89. 9 of 16 û0052~;1 repalTS and restotation In a smgle disbursement or m a. series of progress payments as the work is completed. Unless an agreement IS made in wnting or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any mterest or earnings on sucn Miscellaneous Proceeds. If the restoration or repaIr is not economica}]y feasible or Lender's securíty would be les¡¡ened, the Miscellaneous Proceeds shall be applied to the sums secmed by this Secunty Instrument, whether or not then due, ·with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in tQe order provided for m Section 2. In the event of a total taking, destruction, or loss 1n value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Secunty 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 Secunty Instrument Immediately before the partial taking, destruction, or loss m value, unless Borrower and Lender otherwise agree m writing,· the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the followmg 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, desiruction, or loss U1 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 Ji) value, unless BOlrower and Lender otherwise agree m writing, the Miscel1aneous Proceeds shall be applied to the sums secured by tnis Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower 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 Security Instrument, whether or not then due. "Opposmg Party" means the third party that owes BOlrower Miscellaneous Proceeds or the party agamst whom Borrower has a TIght of action tn regard to Miscellaneous Proceeds. Borrower sball be In default if any action or proceoding, whether cIvil or criminal, IS begun that, m Lender's Judgment, could result m forfeiture of the Property or othor matenal impairment of Lendor's mterest in the Property or rights under this Security Instrument, Borrower can cure such a default and, if acceleration has occurred, remstate as provided in Section 19, by caUSing the action or proceeding to be disnussed 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 o.ghts under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the Impairment of Lender's interest in the Property are heroby assigned and shall be paid to Lender. AU Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order proVldod for in Section 2. 12. Borrower Not Released; Forb~arance By Lender Not a Waiver. Extension of the time for payment or modificatIOn of amortization of the sums secured by this Security Insirument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the 1iability of Borrower or any Successors In Interest of Borrower. Lender shall not be required to commence proceodings agaínst ~~ING . SIngle Family. Fannl. M..IF,eddla Ma. UNIFORM INSTRUMENT Wolters Khmer F'nonolal Service. Inluar."77i1 Fann 306 t 1/01 VMP6/WY) (0803).00 Page 10 of 16 (;!00528 any Successor in Interest of Borrower or to refuse to oxtend time for payment or otherwise modify amortization of the sums securod by this Security Instrument by reason of any demand made by the original Borrower or any Successors m Interest of Borrower. Any forbearance by Lender in exercIsing any right or remedy including, WIthout limitation, Lender's acceptance of payments fiom third persons, entities or Successors In Interest of Borrower or tn amounts less than the amoW1t then due, shall not be a waiver of or preclude the exerCIse of any TIght or remedy, 13. Joint and Several Liability; Ço~signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shan be joint and several. However, any Borrower who co-signs this SecurIty Instroment hut does n()t execute the Note (a. "co-signer"): (a) is co-slgnmg this Secunty Instrument only to mortgage, grant and convey the co-sIgner's mterest in the Property under the terms of this Security Ins1rument; (b) IS not personally obligated to pay the sums secured by this Secunty Instrumont; and (c) agrees that Londer and any other Borrower can agree to extend, modify, forbear or mako any aGcommodations with regard to the terms of this Secunty Instrument or the Note without tbe co-signer's consent. Subject to the provisions of Section ! 8, any Successor In Interest of Borrower who assumes Borrower's obligations under this Security Instrument In writing, and is approvod by Lender, shan obtain all of Borrower's rights and benefits under this Security Instrument, Borrower shall not be released fiom Borrower's obligations and liability under this Security Instrument unless Lender agrees to suoh release m writing. The covenants and agreements of this Security Instrument shall bind (except as provided In Section 20) and benefit the successors and assigns of Lender, 14. Loan Charges. Lender may charge Borrower fees for services performed in connection WIth Borrower's default, for the purpose of protecting Lender's interest m the Property and rights under this Security Instrument, Including, but not lim1ted to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authonty in this Secunty Insirument to charge a specÛ1c fee to Borrower shaJI not be construed as a prohibition on the chargmg 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 wbich sets maximum loan charges, and that law IS finally mterpreted so that the interest or other loan charges collected or to be collected in connection with the Loap. exceed the per.lIlltted limits, then: (a) any such loan charge shan be reduced by the amount. necessary to reduce the charge to the perImtted limit; and (b) any sums already collected ÍÌ'om Borrower which oxceeded pernutted limits will be refunded to Borrower. Lender may choose to make this refund by reducmg the principal owed under the Note or by making a direct payment to Borrower, If a. refund reduces principal, the reduction will be b:eated as a partial prepayment without any prepayment charge (wnetl1er or not a prepayment charge IS provided for under the Note), Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waIver of anynght of action Borrowor mIght have an sing out of such overcharge. 15. Notices. An notices gIVen by Borrower or Lender In connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this SecurIty Instrument shan bo deemed to have been given to Borrower when maIled by first class mail or when actuaJ1y delivered to Borrower's notice address If sent by other means. Notice to anyone BOlTower shall constitute notice to aU BOlTowers unless Applicable Law expressly requITes otboTWlse, 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 WYOMING· Single Family· Fannie Mee/F,.ddlo Mac UNIFORM INsmVMENT VMP~ Wolle", Kluwer FI"anolel Services Inlue:V/1 Form 3061 1/01 VMP6(WY) (0<103).00 Page 11 of 16 .': IJ..I 0:00529 chang~ of address, then Borrower shall only report a change of address through that specified procedure, There may be only one designated nottce address under this Socunty Instrument at anyone time. Any notice to Lender shall be given by deJivenng it or by mailing It by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice m connection WIth this Security Instrument shan not be deemed to have beeD given to Lender until actually recoived by Lender. If any notIce reqUIred by tbis Secunty Instrument is also requU'ed under Applicable Law, the Applicable Law requirement Will satisfy tbe corresponding reqUIrement under this Security Instrument. 16. Governing Law; SeverabUity; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is ]ooated. AU rights and obligations contamed in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it mIght be SIlent, but such sIlence shall not be construed as a prohibition agamst agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts WIth Applicable Law, such conflict shall not affect other proVIsions of this Secunty Instrument or the Note which can be given effect without the conflicting provislOn. AB l,1Sed in this Secunty Insirument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the smgular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action, 17. Borrower's C9PY. Borrower shall be gIven one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. AB used in this SectIon 18, "Interest In the Property" means any legal or boneficlal interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, mstallment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower IS not a natural person and a beneficial interest in Borrower IS sold or transferred) WIthout Lender's prior wntten consent, Lender may require Immediate payment in full of all sums secured by this Security Instrument. However, this option shall not bo exercIsed by Lender if such exercise IS prohibited by Applicable Law. If Lender exercises this option, Lender shall gIVe Borrower notice of acceleration. The notice shall proVIde a period of not less than 30 days nom the date the notice is gIven in accordance WIth Section 15 within which Borrower must pay all sums secured by this Secunty Instrument. If Borrower fails to pay these sums pnor 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 Borrower meets certaIn conditions, Borrower shall have the right to bave enforcement of this Security Instrument discontinued at any time pnor to the earliost of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other penod as Applicable Law might specify for the termmatlOn of Borrower's right to reinstate; or (c) entry of a Judgment enforcmg this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as If no acceleration had occurred; (b) cures any default of any other covenants or WYOMING. Single Family. Fannia MaoJFredQle Mac UNIFORM INSTRUMENT VMP 4t Wollers lQuw.r Fln""oIal Services In~I.,:Úf;l Form 3061 1/01 VMPB(';\IY) (OB03~OO Page 11 or 16 , .,........ ÜObS30 agreements; (c) pays all expenses incurred in enforcmg this Security Instrument, including, but not limited to, reasonable attorneys' fees, proporty mspection and valuation fees, and other fees incurred for the purpose of protocting Lender's mterest 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, shan continue unchanged. Lender may require that Borrower pay such remstatement sums and expenses in one or more of the followmg forms, as selected by Londer: (a) cash; (b) money order; (c) certifiod check, bank check, treasurer's oheck or cashier's check, provIded any sucn check is drawn upon an institutíon whose deposIts are insured by a federal agenoy, instrumentality or entity; or (d) Electronic Funds Transfer. Upon remstatement by Borrower, this Security Instrument and ob1igations secured hereby shan remain fully effective as If no acceleration had occurred. However, this fIght to reinstate shan not apply in the case of acceleratIOn under Section 18, 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together WIth this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale nught result in a change m the entity (lmown as the ItLoan ServlCer") that co)]ects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law, There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan SerVicer, Borrower wiU be given written notice of the change which WIll state the name and address of the new Loan Servlcer, the address to whioh payments should be made and any other Information RESP A requIres In connection WIth a notice of transfer of servicing, If the Note is sold and thereafter the Loan is servIced by a Loan Servlcer other than the purchaser of the Note, the mortgage loan servIcing obligations to Borrower will remam wIth the Loan Servicer or be transferred to a successor Loan Serncer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, JOÎn, or be jOlUed to any judicial action (as either an mdîvidual litigant or the member of a class) that arises from the other party's actions pursuant to this Secunty Instrument or that alleges that the other party has breacned any provision of, or any duty owed by reason of, this Secunty Instrument, until such Borrower or Lender has notified the other party (With such notice gIven m oompliance WIth the requirements of Section 15) of such al1eged 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 tíme pet10d which must elapse before certam action Call be taken, that tIme period win be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportumty to cure given to Borrower pursuant to Section 22 and the notice of acceleration gIven to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective actlOn proVIsions of this Section 20. 21. Hazardous Substances. Ai, 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, toxÎc postlcidos and herbicIdes, volatile solvents, materials contammg asbestos or formaldehyde, and radioactive matenals; (b) "Environmental Law" means federal1aws and laws of the jUflSdiction where the Property IS located that relate to health, safety or enVIronmental protectlOn; (0) "Environmental Cleanup" includes any response aotion, remedial action, or removal actIOn, as defined in Environmental Law; and (d) an "Environmental Condition" meansaconditiontha.t can cause, oontribute to, or otherwise trigger an Environmental Cleanup, WYOMING· Singh. Family. Fannie Maa/Freddle Me. UNIFORM INSTRUMENT VMPI,!¡ Wolten; KluW<lr Flnanolal Servl... Inltlol.: I pj ( Form 3051 1101 VfvP6(WY) (0803).00 Page 13 of 18 000531. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or ill the Proporty. Borrower shan not do, nor anow anyone else to do, anything affecting the Property (a) that is m violation of any Environmental Law, (b) which creates an Environmental Condition, or (0) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property, The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to bo appropnate to normal rosídential uses and to mamtenance of the Property (including, but not lÍ1mted to, hazardous substances in consumer products). Borrower shall promptly gIve Lender wrItten notice of (a) any Investigation, claim, demand, lawsuIt or other Elction by any governmental or regulatory agency or pnvate party involving the Property and any Hazardous Substance or EnVIronmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limIted to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or IS notified by any governmental or regulatory authority, or any pnvate party, that any removal or other remediation of any Hazardous Substance affecting the Property IS necessary, Borrower sha.]l promptly take all necessary remedial actions III accordance wIth Environmental Law. Nothing herein shall create any obligatIon on Lender for an EnvlTonmental Cleanup. NON-UNIFORM COVENANTS, Borrower and Lender further covenant and agree as follows: 22. Accelerlltion; Itemedies. Lender shan give notice to Borrower prior to acceleration following Borrower's breach of IIny covenant or agreement in this SecurIty Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shan specify: (a) the defllult; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is gIven to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleratIon of the sums secured by this Security Instrument and sale of the Property. The notice shan further inform Borrower of the right to reinstate after acceleration and the right to bring a court IIction to assert the non-existence of a defau1t 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 an sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to coned an expenses incurred in pursuing the remedies provided in tbis Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shan give notice of the sale to Borrower in the manner provided in Section ]5. Lender shall publish the notice of sale, and ·the Property shllll be sold in the manner prescribed by Applicable Law. Lender or its designee mllY purchase the Property lit any sale. The proceeds of the sale shall be appUed in the following order: (a) to all expenses of the sllle, 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 a.U sums secured by this Security Instrument, Lender shall release this Security Insrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for WYOMING. Slngl, FamUy . Fannie Mae/Freddie Me. UNIFORM INSTRUMENT VMP@ Wolters Kluwer Financial SelVl... - MIL/I FormS0511101 , VMP6(WY) (0803).00 Inllla',: Poga 14 of 16 ...0" 53- t,)· \)1 ;G releaslDg this Security Instrument, but only If the fee is paId to a third party for serY1ces rendered and the chargmg of the foe IS ponnitted under App1icable Law. 24. Waivers. Borrower releases and waives aU nghts under and by VIrtUe of the homestead exemption laws ofWyotning, BY SIGNING BELOW, Borrower accepts and agrees to the tenns and covenants contamed in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: (Seal) -Bon-ower (Seal) -BOIroweI (Seal) -Borrower 1iÆ4/~ ODD L MOORES (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (S eal) -Borrower (Seal) -Borrower WYOMING. Single Family· Fannlo Mae/Freddie Mec UNIFORM INSTRUMENT VMP é1 Wollers Kluwar Flnanclet S.rvlce~ '. ............,741 Form 8061 1101 VMPB(WY/ (080S~OQ 1""1010:// ,; Page 16 of 16 --.. STATE OF WYOMING, LINCOloN County 58: This instrument was acknowledged before me on ~/'I . / /¿; ~ c2¿J¿J9 by TODD L MOORES My Commission Expires: ¿)~ Ä/ / --...".,.,.-J LORI KALAN - NOTARY PUBLIC COUNTY OF STATE OF LINCOLN WYOMING ¡ " ~""m "po.. f .b. 16, 20 11 '~A .......,.~...,. _~ .,~_ ..'.. ....,,~_"'-,.....p,.........'"'_~.~.~~_':".-,~~.. WYOMING. $Inole Family. Fannie Moe/Freddlo Mao UNIFORM INsTRUMENT VMpe Woll.... Kluwe, Flna,.,101 Servloo$ ~ c ,7:/~ Notary Public Title (and Rank) .-. InIlISIs!- ,,£ t Fotnl 8051 1101 VMP6(WY) (0803).00 Page 16 of 16 i~:'Oú533 Exhibit A File 6010917733 Description [,0,;,>534 The land referred to in this document is situated in the State of Wyoming, County of Lincoln, and is described as follows: All of the Northwest Quarter of tIle Southwest Quarter of Section 20, of the Resurvey of Township 22 North, Range 115 West ofthe 6th P.M., Lincoln County, Wyoming lying North of the North right of way boundary of U.S. Highway 189 as described and recorded in Book 20 of Deeds on page 194 on file in the office of the Lincoln County Clerk LESS AND EXCEPT any land witlùn the Westridge Holdings Subdivision, Lincoln County, Wyoming filed December 8, 2006 as Instrument No. 925169 of the records of the Lincoln County Clerk (jØ1