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HomeMy WebLinkAbout946731 6010917809 ,J 5E/' , '''.' ,.. ÜOú304 Return To, WFHM FINAL DOCS X2599-024 405 SW 5TH STREET DES MOINES, IA 50309-4600 RECEIVED 4/24/2009 at 11 :06 AM RECEIVING # 946731 BOOK: 721 PAGE: 304 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY Prepared 13y; WELLS FARGO BANK, N. A. 1919 DOUGLAS" OMAHA, NE 681010000 (Space Above This Line For Recording Data} MORTGAGE DEFINITIONS Words used m multiple section.s of this document are defined below and other words are def1ned m SectIons 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of w01.'ds 'Used in this document are also provided in SecÌlon 16. (A) "Securltylnstrnment" means this document, which is datedAi1RIL 20, 2009 together with all Riders to this document. (B) "Borrower"ls CINDY A GRAMKE, A SINGLE PERSON Borrower is the mortga.gor under this Security Instrument. (C) "Lender"is WELLS FARGO BANK, N .A. Lender is a NATIONAL ASSOCIATION organized and existing under the laws of THE UNITED STATES Lender'saddressîs P.O. BOX 11701, NEWARI<, NJ 071014701 Lender IS the mortgagee under this SecurIty Instrument. 0101815595 WYOMING· Slngl. Family· Fannie M."IFreddl. Mec UNrFORM INSTRUMENT lIMp .. Wolters Kluwer Financial SeNlces It..,,,,. In)Ua's; lJ.-IO' F<>m1 3061 1101 VMP6(WY) (0803 ¡.OO Paga10116 NMFL 3051 (WYCM) Rav 612008 lumlU 11I11nllll~ r 0,'·· "0(- ~..: V.oJ J (D) ¡'Note"means the promissory note signed by Borrower and datedAPRIL 20 t . 2009 The Note states that Borrower owes LenderEIGHTY FIVE THOUSAND AND 00/100 Dollars (U,S, $ *****85 t 000,00 ) plus mterest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt In full not later than MAY 01, 2039 (E) "Property" means the property that ìs described below under the heading "Transfer of Rights in the :Property, II (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and aU SUms due under this Security 1l18trument, plus mterest, (G) "Riders" means all Riders to thiS Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]. o Adjustable Rate Rider 0 Condommíum Rider 0 Second Home Rider o Balloon Rider D Planned Umt Development Rider D [-4 Family Rider o VA Rider D BiweeldyPayment Rider D Other(s) [specity] (II) 1IAppUcable Law" means all controlling apphcable federal, state and local statutes, regulatIons, ordinances and administratIve rules and orders (that have the effect of law) as wen as a11 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 BOlTower or the Property by a condomimum association, homeowners association or similar organization (J) "Electronic Funds Transfer" means any transfer of funds, other than a transacbon· originated by check, draft, or similar paper Instrument, which is Initiated through an electronIc terminal, telephonIc instrument, computer, or magnetic tapè- so as to order, instruct, or authonze a financial institutIon to debit or credIt an account. Such term includes, but IS not hmitea to, poInt-of-sale transfers, automated tener machine transactions) transfers initiated by telephone, WIre transfers, and automated clearinghouse transfers. (K) "Escrow Items" melQlS those items that are described In SectIOn 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award Qf damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in SectIOn 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other takIng of all or any part of the Property; (iii) conveyance III heu of condemnation; or (IV) misrepresentatIOns of, or omissIOns as to, the value and/or conditIOn of the Property. (M) "Mortgage Insurance" means msurance protectmg Lender against the nonpayment of, or default on, the Loan. (N) "PeriodicPayment'l means the regularly scheduled amount due for (i) princIpal and interest under the Note, plus (ii) anyamoùnts under Section 3 of thiS Security Instrument. (0) "RESP A" means the Real Estate Settlement Procedures Act (12 V.S.C. Section 2601 et seq.) and its implementing œgulation, RegulatIOn X (24 C,F,R, Part 3500), as they might be amended from time to time, or any additional or successor legislabon or regulatIon that governs the same subject matter. As used in this Security Instrument, tlRESP A" refers to all reqUIrements and restrIctions that are Imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESP A. WYOMING· Single FaMily. Fannia MaaIF,addla Moo UNIFORM INSTRUMENT VMP8 WoIlera Kluwer Flnanclel Servloe. InIUa!s:. ('¡t1' FORn 3051 1/01 VMP6(WYI (0803).00 ¡:I"ga 2 of 18 000306 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obhgattons under the Note and/or thtS Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Secunty Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensIons and modiñcatlOns of the Note; and (ii) the performance of Borrower's covenants and agreements under thIS Security Instrument and the Notð, For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assIgns, with power of sale, the followmg described property located in the COUNTY of LINCOLN [Type of Rocordmg Junsdictlon] [Name of Reoonbng Junsdictlon] LOT 5B BLOCK '1 OF LINCOLN HEIGHTS 5TH ADDITION, FIRST FILLING, TO THE CITY OF KEMMERER, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT FILED ON SEPTEMBER 7, 1983, AS INSTRUMENT NO. 603378 OF THE RECORDS OF THE LINCOLN COUNTY CLERIC TAX STATEMENTS SHOULD BE SENT TO: 11701, NEWARK, NJ 071014701 WELLS FARGO HOME MORTGAGE, P.O. BOX Parcel ID Number. 1681 TROY. COURT KEMMERER ("Property Address") whicb currently has the address of [Slroðt] [City], Wyoming 83101 [Zip Code] TOGETHER WITH all the Improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now Of hereafter a part of the property. All replacements and additions shall also be covered by this Secunty Instrument. All of the foregomg is referred to in thIs Secunty Instrument as the "Property," BORROWER COVENANTS that Borrower IS lawfully seised of the estate hereby conveyed and bas the right to mortgage, grant and convey the Property and that the Property IS unencumbered, except for encumbrances of record. Borrower warrants and will. defend generally the title to the Property against all churns and demands, subject to any encumbrances of record. THIS SECURlTY INSTRUMENT combines uniform covenants for national use a.nd non-uniform covenants with htIllted variations by junsmction to constitute a uniform security instrument covenng real property. ~J~~INQ . Slngl. Family· Fannl. M..JF,.ddl. Mac UNIFORM INSTRUMENT Wane,. Kluwer Flnanet.1 Sorvlc.. InIU8IB;(1 M FORn 3051 1101 VMP6(WYI (0803):00 rage 3 at 16 ÜOti30'7 UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, .and mterest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Sectton 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or thi.s Secunty Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and tlus Security Instrument be made in one or more of the followmg forms, as selected by Lender: (a) cash, (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check IS drawn upon an Institution whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. 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 notice provisions m Section 15. Lender may return any payment or parnal payment if. the payment or partial payments are insufficient to bring the Loan CU11'ent. Lender may accept any payment or partial payment InSufficient to bring the Loan cUlTent, without waiver of any nghts hereunder or prejudice to its nghts to refuse such pa.yment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted, If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until BOlTower makes payment to bring the Loan current. If BOlTower does not do so withIn a reasonable penod of time, Lender shall either apply such funds or return them to BOlTower. If not apphed earlier, such funds will be applied to the outstandmg prmcipa1 balance under the Note Immedtately prior to foreclosure. No offset or claIm which Borrower might have now or m the future agamst Lender shall relieve Borrower from making payments due under the Note and thIS SeCllrity Instrument or porfonning the covenants and agreements secured by this Security Instrument 2. Application of Payments or Proceeds. Except as otherwise described m thIs Secuon 2, all payments accepted and applied by Lender shall be applied In the following order of pno1'ity: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applIed to each Penodlc Payment in the order 10 which it became due. Any remaming amounts shan be applied first to late charges, second to any other amounts due under thIS Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delInquent Periodic Payment which mcludes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodtc Payment IS outstanding, Lender may apply any payment receIVed from BOlTower 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 applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to pnncipal due under the Note shan not extend or postpone the due date, or change the amount, of the PerIodic Payments. 3. Funds for Escrðw Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note IS paid in fun, a sum (the "Funds") to provide for payment of amounts due for; (a) taxes and assessments and other Items which can attain priority over thIS Security Instrument as a WYOMING· Single Family. Pannla Mas/F",ddl. Mac UNIFORM INSTRUMENT VMP8 Woltan! Kluwer Financial Ss/Vles. Inmals. C~tJ FDITII 3051 1/01 VMP6(WY) (0603).00 PIga 4 0116 I'll_I" 'II OOû308 lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for a.ny and a11 lDsura.nce required by Lender under Section 5, and (d) Mortgage Insurance premiums, if any, or any SUms payable by Borrower to Lender in heu of the payment of Mortgage Insurance premiUms in accordance with the provisions of Section 10. These items are called "Escrow Items," At ongination or at any time during the tenn of the Loan, Lender may require that Community Associatton Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be -paid under tlus Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or aU Escrow Items Lender may waive Borrower's obligation to pay to Lender Funds for any or aU Escrow Items at any t.tme. Any such waiver may only be In writing. In the event of such waIver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender reqUIres, shall furnish to Lender receipts evidencmg such payment within such time period as Lender may requlte. Borrower's obligatIon to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contamed in thIS Security Instrument, as the phrase "covenant and agreement" IS used in Section 9. If Borrower IS obligated to pay Escrow Items directly, pursuant to a waIver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its nghts under SectIon 9 and pay such amount and Borrower shall then be obligated under SectIOn 9 to repay to Lender any such amount. Lender may revoke the waIver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender aU Funds, and in such amounts, that are then requIred under this Section 3. Lender may, at any time, conect and hold Funds 10 an amount (a) sufficient to pennit Lender to apply the Funds at the tíme specified under RESPA, and (b) not to exceed the maXImum amount a lender can requlte under RESP A. Lender shan estimate the amount of Funds due on the ba!¡is of current data and reasonable estImates of expenditures of future Escmw Items or otherwise in accordance with Applicable Law. The Funds shall be held in an mstItutIOn whose deposits are msured by a federal agency, m.stnunentahty, or entity (including Lender, if Lender IS an institution whose deposits ate so lllsured) or In any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later tha.n the time specified under RESP A. Lender shall not charge Borrower for holding and applying the Funds, annually analYZIng ilie escrow account, or verifying the Escrow Items, uruess Lender pays- Borrower interest on the Funds and Applìcable Law permits Lender to make such a charge. Unless an agreement is made m writing or Apphcable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any mterest or earnings on the Funds, Borrower and Lender can agree in writmg, however, that interest shall be paid on the Funds. Lender shall gIVe to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESP A, Lender shall account to Borrower for the excess funds in accordance with RESP A. If there is a shortage of Funds held in escrow, as defmed under RESP A, Lender shall notify Borrower as requlted by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage In accordance with RESPA, but in no more than 12 monthly payments. If there IS a deficiency of Funds held m escrow, as defined under RESP A, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Londer the amount necessary to make up the deficiency III accordance with RESP A, but in no more than 12 monthly payments. Upon payment In full of all sums secured by th1S Secunty Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. ~~~ING . Single Family. Fannia MaeIFreddla Mac UNIFORM INSTRUMENT Wolters Kluwar Flnanolal Services Ok¥? InIUal.: FOIT!1 3051 1/01 VMP6{WY} (0803).00 Page 6 of 16 , ~._ ,-, I. ÜOG309 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositIOns attributable to the Property which can attaIn pnority over th1S Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association DueS, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them In the manner provided m Sectiol.1 3. Borrower shall promptly discharge any hen which has pnority over this Secunty Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in II- manner acceptable to Lender, but only so long as Bon-ower is performmg such agreement; (b) contests the hen m good faith by, or defends agamst enforcement of the lien in, legal proceedings which m Lender's opinion operate to prevent the enforcement of the lien while fuose proceedmgs are pending, but only until such proceedmgs are concluded; or (c) secures from the holder of the hen an agreement satisfactory to Lender subordtnating the hen to this Security Instrument. If Lender determmes that any part of the Property is subject to a hen which can attain pnority over this Secunty Instrument, Lender may give Borrower a notice identifymg the hen. Withm 10 days of the date on which that notice IS given, Borrower shall satisfy the hen or take one or more of the acttons set forth above in this Section 4 Lendor may reqUlre Bon-ower to pay a one-tune charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan, 5. Property Insurance. BOl1'ower shall keep the improvements now eXlstmg or hereafter erected on the Property msured against loss by fire, hazards included within the term "extended coverage," and any other hazards mcluding, but not limited to, earthquakes and floods, for which Lender requires Insurance. This lnsurance shall be maintained in the amounts (mcluding deductible levels) and for the penods that Lender requires. What Lender reqUIres pursuant to the precedmg sentences can change dunng the term of the Loan, The insurance carrier providmg the Insurance sha.H be chosen by BOl1'ower subject to Lender's nght to disapprove Bon-owers choice, which right shall not be exercised unreasonably. under may require Borrower to pay, in connection with this Loan, either. (a) a one-tIme charge for flood zono determination, certification and tracking setvIces; or (b) a one-time charge for flood zone determination and certification serVIçes and subsequent charges each bme remappings or similar changes occur which reasonably mIght affect such detemnnation or certificatIOn. Borrower shalt also be responsible for the payment of any fees Imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower, If Borrower fails to mamta.m any of the coverages described above, Lender may obtam msurance coverage, at Lender's option and Borrower's expense. Lender IS under no obligatton to purchase any partIcular type or amount of coverage. Therefore, suoh coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, agamst 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 covera.ge so obtained might significantly exceed the cost of msurance that Borrower could ha.ve obtamed. Any 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 disbursemont and shalt be payable, with such interest, upon notice from Lender to Borrower requesting payment. All1nsurance policies required by Lender a:nd ronewals of such pohcles shan be subject to Lender's right to disa.pprove such polIcies, shall mclude a standa.rd mortgage clause, and shall name Lender as mortgagee and/or as an additìonalloss payee. Lender shall have the right to hold the pohcles and renewal certificates. If Lender reqUires, Bon-ower shall promptly give to Lender all receIpts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, ro~~ING . Single Family - F.nnlo MsolF",ddls Mac UNIF'ORM INSTRUMENT Wolters Klu'IIer Rnanclsl Servtces InlUel&. Cft/ Form 3051 1/01 VMP6(WY) (0803).00 I'ege 8 of 18 "'''.'' t ÜO\'j31ù for damage to, or destruction of, the Property, such policy shall include a standard mortgage cl¡wse and shall 'name Lender as mortgagee and/or as an additional loss payee, In the event of loss, Borrower shall give prompt notice to the insurance carner and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree In writing, any Insurance proceeds, whether or not the underlymg Insurance was reqUlred by Lender, shall be applied to restorabon or repatr of the Property, if the restoration or repair is economically feasible and Lenders securIty is not lessened. During such repau' and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to Inspect such Property to ensure the work has been completed to Lender's satlsfacnon, provided that such Inspection sha1l be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a smgle payment or 1n a series of progress payments as the work is completed. Unless an agreement is made m writing or Applicable Law reqUires interest to be paid on such Insurance proceeds, Lender shaIl not bè required to pay Borrower any interest or earnmgs on such proceeds, Fees for public adjusters, or other thlId parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrowor. If the rostoration or repatr is not economically feasible or Lender's secunty would be lessened, the insurance proceeds shall be applIed to tho sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotIate and settle any available Insurance claim and related matters. If Borrower does not respond withm 30 days to â nonce from Lender tþa.t the insurance carrier has offered to settle a c1lllm, then Lender may negotiate and settle tho claim. The 3D-day penod wHl begin when the notice is gIVen. In either event, or if Lender acqUlIes the Property under SectIOn 22 or otherwise, Borrower hereby asSIgns to Lender (a) Borrower's rights to any msuranco proceeds m an amount not to exceed the amounts unpaid under the Note or thIS Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned pre11l1uJIlS paid by Borrower) under all insurance policies covenng the Property, insofar as such nghts are applicable to the coverage of the Property. Lender may use the msurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrumont, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's pnnclpal residence within 60 days after the execution of dus SecurIty Inst.rument and shall contmue to occupy the Property as Borrower's 'Prmcipal residence for at least one year after the date of occupancy, unless Londer otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuanng circumstances exist which are beyond BOlTower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. BOlTower shall not destroy, damage or impatr the Property, allow tho Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property III order to prevent the Property nom deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that ropatr or restoratIon is not economicaUy feasible, BOlTower shall promptly repalI the Property if damaged to avoid further deterIoratIon or damage, If 1nSUranco or condemnation proceeds are paid in connocbon with damage to, or the takmg of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has re1eased proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a smgle payment or in a senos of progress payments as the work 1S completed. If the ltIsura.nce or condemnatIon proceeds are not sufficient ro~~ING .5'001. Family - FaMIe M.eIF,eddle Mao UNIFORM INSTRUMENT Woltøfa Klu..... Financial SeNlo... Inltl.I"~ Form 3051 1101 VMP61WY1 (0603~OO . Page? of 16 , .._.~ " ,- '" ,', 31.1- r,.; 'L,t ~¡,} to repair or restore the Property. Borrower IS not reheved of BOITower's obligation for the completion of such repair or restoratíon. Lender or its agent may make reasonable entries upon and inspecttons of the Property. If It has reasonable cause, Lender may Inspect the intenor of the improvements on the Property. Lender shall give Borrower notIce at the time of or prior to such an mterior inspection specifymg such reasonable cause, 8. Borrower's Loan Application. BOlTower shall be in default if, dunng the Loan apphcatIon process, Borrower or any persons or entitles acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleadmg, or maccurate informatIOn or statements to Lender (or faUed to provide Lender with material mfonnation) in connection with the wan. Material representations include, but are not limited to, rept:esentations concernmg Borrower's occupancy of the Property as Borrower's principal 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 10 this Security Instrument, (b) there IS a. legal proceedmg that might significantly affect Lender's interest In the Property and/or fights under this Security Instrument (such as a proceeding m bankruptcy, probate, for condemnatiol1 or forfeiture, for enforcement of a lien which may attain priority over this Security Ins1rument or to enforce laws or regulations), or (c) BOlTOwer has abandoned the Property, then Lender may do and pay for whatever IS reasonable or appropriate to protect Lender's illterest m the Property and rights under this Secunty Instrument, mcluchng protecting and/or assesSing 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 SUinS secured by a lien which has priority over this Secunty Instrument; (b) appearing III court; and (c) paymg reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position III a banIo:uptcy proceechng. Secunng the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditl0ns, and have utilities turned on or off, Although Lender may take acÍlon under thlS Section 9, Lender does not bave to do so and is not under any duty or obligatton to do so, It IS agreed tha.t Lender incurs no liabihty for not taking any or an actions autbonzed under tins Section 9. Any amounts disbursed by Lender under thiS Section 9 shaH become addittonal debt of Borrower secured by this Security Instrument These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon nonce from Lender to Borrower requesting payment, If thiS Securlty Instrument IS on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writIng. 10. Mortgage Insuranee. If Lender reqUired Mortgage Insurance as a condition of makmg the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage requtred by Lender ceases to be available from the mortgage Insurer that previously provided such insurance and Borrower was required to make .separately designated payments toward the premIUms for Mortgage Insurance, Borrower shall pay the premiut!lS requu-ed to obtain coverage substantially equivalent to the Mortgage Insurance preViously ill effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance preViously in effect, from an alternate WYOMING· SIn¡¡lo FomUy . Fonnlo Moo/Freddie Mac UNIFORM INSmUM¡¡NT VMP@) Woller. KItJWOf Financial SalVlc&s ~ Fo,m 3051. 1101 t. tJZC. VMP6(WY\ (0803 ),00 Inhlolo, I "ago 8 of 18 , ...-. III ., 00031.2 mortgage insurer selected by Lender, If substantially equIvalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately desIgnated payments that were due when the msurance coverage ceased to be tn effect. Lender will accept, use and retam these payments as a non-refundable loss reserve In heu of Mortgage Insurance. Sucb loss reserve shall be non-refundable, notwithstandmg the fact that the Loan 13 ultimately paid in fun, and Lender shall not be reqUIred to pay Borrower any mterest or eanungs on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance. coverage (tn the amount and for the period that Lender requíres) provided by an insurer selected by Lender agam becomes available, IS obtained, and Lender requtres separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to mamtain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requIrement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termmatIon or until termmat10n is requIred by Apphcab1e Law. Nothing m this Section 10 affects Borrower's obhgat1on to pay mterest at the rate provided ill the Note Mortgage Insu/.1l.t1ce reimburses Lender (or any entity that purchases the Note) for certam losses It may incur if Borrower does not repay the Loan as agreed. Borrower IS not a party to the Mortgage Insurance. Mortgage insurers evaluate theIr total risk on all such insurance in force ITom time to tIme, and may enter mto agreements with other parties that share or modify theIr risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments ustng any source of funds that the mortgage msurer may have available (which may mclude funds obtained from Mortgage Insurance premiums), As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affihate of any of tbe foregomg, may receive (dtrectly or indIrectly) amounts that denve from (or might be characteriZed as) a portion of Borrower's payments for Mortgage Insurance, tn exchange for sharing or modifying the mortgage illsurer's risk, or reducing losses, If such agreement provides that an affihate of Lender takes a share of the Insurer's risk m exchange for a share of the premiums paid to the Insurer, the arrangement IS often termed "captIve remsurance," Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements wJU not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affeçt the rights Borrower has - if any· with respect to the Mortgage Insurance under the Homeowners Proteçtion 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 [nsurance terminated automatically, and/or tø receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All MIscellaneous Proceeds are hereby assigned to and shall be paid to Lender If the Property IS damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repa.tr is economically feasible and Lender's security is not lessened, During such repair and restoration penúd, Lender shall have the right to hold such Mtscel1aneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been .completed to Lender's satisfactron, provided that such inspection shall be undertaken promptly, Lender may pay for the ~~~ING . Single Family· Fannia M."IF,,,ddl,, Mac UNIFORM INsTfl.UMENT Woke.. !<luwar Flnanelm SelVlc.. n FORn 3061 1101 . VMP6(WY1 (0803).00 InIUal., Jt:i' Page 9 of 16 11111.... 'Ii, ÜO\:;/31.3 repairs and restoration III a single disbursement or in a series of þrogress pa.yments as the work IS completed. Unless an agreement IS made in writmg or Applicable Law requires interest to be paid on such Miscellaneous Proceeds·, Lender shall not be required to pay Borrower any mterest or earnmgs on such MIscellaneous Proceeds, If the restoration or repair IS not economically feasible or Lender's security would be lessenee!, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instnunont, 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 Secbon 2 In the event of a total taking, des1ructlOn, or loss in value of the Property, the Miscellaneous Proceeds shall be applIed to the sums secured by thIS Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial takmg, destruction, or loss in value of the Property in which the fan' market value of the Property Immediately before the partial taktng, destructIOn, or loss in value IS equal to or greater than the amount of the sums secured by thiS Security Instrument ImmedIately before the partial takmg, destruction, or loss In value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shan be reduced by the amount of the Miscellaneous Proceeds multipl1ed by the following fraction: (a) the total amount of the sums secured immediately before the partial takmg, des1ruction, or loss In value di"Vided by (b) the faIr market value of the Property immediately before the partial taking, destruction, or loss m va.lue. Any balance shall be paid to Borrower. In the event of a. partial takmg, des1ructlon, or loss in value of the Property m which the fair market value of the Property immediately before the partial taking, des1ruction, or loss in value is less than the amount of the sums secured llnmedIately before the partial takmg, destruction, or loss In value, unless BOl1ower and Lender otherwIse agree In writing, the Miscellaneous Proceeds shall be applted to the sums secured by this Security Instrument whether or not the sums arl' then due If the Property IS abandoned by Borrower, or if, after notIce by Lender to Borrower that the Opposing Party (as defined m the next sentence) offers to make an award to settle a c1a.¡m for damages, Borrower fails to respond to Lender within 30 days after the date the nobce IS given, Lender]s authorized to collect and apply the M1scellaneous Proceeds either to restoration or repair of the Property or to the s~ms secured by this Security Instrument, wheiher or not then due. "Opposing Party" means the tlnrd party that owes Borrower MlScellaneous Proceeds or the party aga.¡nst whom Borrower has a right of action In regard to Miscellaneous Proceeds Borrower shall be in default if any action or proceeding, whether crvil or crimmal, is begun that, in Lender's Judgment, could result in forfeiture of the Property or other material impainnent of Lender's mterest in the Property or rights under thIS Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as pro"Vided in Section 19, by causmg the action or proceeding to be dismissed with a ruling that, in Lender's Judgment, precludes forfeIture of the Property or other material impatnnent of Lender's interest m the Property or rights under this Security Instrument. The proceeds of any award or cla.¡m for damages that are attributable 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 apphed to restoration or repaIr of the Property shall be applied in the order pro"Vided for in SectIon 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the tune for payment or modification of amortiza.tion of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor m Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings agamst ~J~~ING . Slngl. Family' Fannl. Mo.IF,,,ddlo Moo UNIFORM INSTRUMENT Wolte.. Kluw.r Flnonolal S./VIoes Inllial.',·~ Form 3061 1101 VMP6(WY) (0603).00 paoc 10 0116 ...,.._.~, .. t 00031.4 any Successor ill Interest of Borrower or to refuse to extend rime for payment or otherwise mollify amortization of the sums secured by this Security Instrument by reason of any demand made by the ongmal Borrower or any Successors in Interest of Borrower. Any forbearance by Lender m exercising any right or remedy inc1udmg, without timitation, Lender's acceptance of payments trom third persons, entities or Successors in Interest of Borrower or In amounts less than the amount then due, sha1l not be a waiver of or preclude the exercise of any right or remedy, 13. Joint and Several Liability; Co~signel.'s; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obhgations and liability shall be joint and several. However, any Borrower who CO-SIgnS this Security Instrument but does not execute the Note (a "co-signer")~ (a) IS co-signing thiS Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) IS not personally obligated to pay the sums secured by this Security Instrument; and (0) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisIOns of Section 18, any Successor In Interest of Borrower who assumes Borrower's obligatIOns under this Security Instnunent in writing, and IS approved by Lender, shall obtam aU of Borrower's rights and benefits under thiS Security Instrument. Borrower shaH not be released trom Borrower's obligations and liability under thiS Secunty Instrument unless Lender agrees to such release In writmg. The covenants and agreements of t1us Secunty Instrument shan bmd (except as provided in Sectio'n 20) and benefit the successors and assigns of Lender, 14. Loan Charges. Lender may charge Borrower fees for services perfonned in connectton with Borrower's default, for the purpose of protecting Lender's mterest in the Property and tights under this Security Instrument, including, but not limited to, attorneys' fees, property inspectIOn and valuation fees. In regard to any other fees, the absence of express authority in this Secunty Instrument to charge a specific fee to· Borrower shall 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 which sets maximum loan charges, and that law is finally mterpreted so that the mtcrest or other loan charges collected or to be collected in connecíton with the Loan exceed the permitted limits, then. (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted 1ímit; and (b) any sums already collected from Borrower which exceeded permitted hmìts 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 BOlTower, If a refund reduces prmclpal, the reduction witl be treated as a partial prepayment without any prepayment oharge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any nght of action Borrower 1111ght ha.ve arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be In writing. Any notice to Borrower III connectIOn with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delIvered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires othelWlse. The notice address shall be the Property Address untess Borrower has designa.ted a substItute notice address by noítcð to Lender, Borrower sha.1l promptly notify Lender of Borrower's change of address. If Lender .specifies a procedure for reporting Borrower's ~~WING' Slngte Family. Fannia Maa/Freddle Mac UNIFORM INSTRUMENr WoIla.. Kluwer Flnenclal SeMe.. InlUal" C4C, Fonn a05f 1/01 VMPB(WV) (Oð03~OO Page 11 of16 ,"u."- 'I' 00D3:15 change of address, then Borrower shall only report a change of address through that specified procedure, There may be only one designated notice address under this Security InsU'ument at anyone time. Any notice to Lender shall be given by _delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice În connection with thiS Security Instrument shall not be deemed to have been given to 'Lender until actually received by Lender. IT any notice required by this Security Instrument is also required under Applicable Law, the AppHcable Law requirement wi1I satisfy the corresponding reqUIrement under this Security Instrnment. 16. Governing Law; Severability; Rules of Construction. ThIs Security Instrument shall be governed by federal law and the law of the JunsdIction in which the Property IS located. All rights and obligatIons contamed in this Security Instrnment are subject to any reqUirements and lunitations of Applicable Law. Applicable Law might explIcitly or unphcitly allow the parties to agree by contract or it might be silent, but such silence shall not be constrned as a prohibition against agreement by contract, In the event that any provision or clause of this Security Instrument or the Note conflicts with Apphcable Law, such COnflict shall not affect other provisions of thIS Security Instrument or the Note which can be glVen effect without the conflicting provision .AI. used in this Security Instrument: (a) words of the mascuhne gender shall mean and Include correspondmg neuter words or words of the femmme gender, (b) words in the smgular shall mean and include the plural and vice versa; and (c) the word "may" gives sole d1scretion without any obhgatlOn to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of thIs Secunty Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. .AI. used m thiS Section 18, "Interest m the Property" means any legal or beneficial interest III the Property, including, but not limited to, those beneficial interests transferred m a bond for deed, contract for deed, installment sales contract or escrow agreement, the mtent of which IS the transfer oftide 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 written consent, Lender may reqUire nnmediate payment m full of all sums secured by this Secunty Instrument. However, thIs option shall not be exercised by Lender if such exercIse is prohiblted by Apphcable Law. If Lender exercises thJs option, Lender shall give Borrower notIce of acceleratIOn. The notice shall provide a penod of not less than 30 days from the date the notice 18 gIVen tn accordance with Section 15 within which Borrower .must pay all sums secured by thiS Security Instrument. If Borrower fails to pay these sums pnor to the expiratIon of this period, Lender may invoke any remedIes pennitted 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 InsU'ument dlscontmued at any hme prior to the euhest of: (a) five days before sale of the Property pursuant to any power of sale contained m this Security Instrument; (b) such other penod as Apphcable Law might specify for the tennmation of Borrowers nght to remst.ate, or (c) entry of a judgment enforcing thIS Secunty Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Not.e as if no acceleration had occurred; (b) cures any default of any other covenants or ~~OOING . Singh. FeMlly . Fennl. MeeIF,eddle MBO UNIFORM INSTRUMENT WolI.,. Kluwer Financial Servla,", ForIl131!611J{) () .A/./ VMP6(WY) (O8()3).OO Inlllal.. l;Y".... Page 12 M18 ".._... II "". .,.., f~ 31. .,.." '.:..."t~'iJle.. 6 agreements; (c) pays all expenses incurred In enforcmg this Security Instrument, Includmg, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protectmg Lenders mterest In the Property and rights under thts Secunty 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 thts Security Instrument, shall continue unchanged. Lender may reqUJ.re that Borrower pay such remstatement sums and expenses in one or more of the following fonns, as selected by Lender~ (a) cash; (b) mOney order; (c) certified check, bank cb,eck, treasurer's check or cashier's check:, provided any such check is drawn upon an mstitutlOn whose deposits are Insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon relllstatement by Borrower, thlS Security Instrument and obligations secured hereby shall remam fully effecnve as if no acceleration had occurred, However, this right to reInstate shall not apply in the case of acceleratIOn under SectiOn 18 20. Sale of Note; Change of Loan Sarncer; Notice of Grievance. The Note or a partia.l interest In the Note (together with this Security Instrument) can be sold one or more times without prior nonce to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Penodlc Payments due under the Note and this Security Instrument andperforrns other mortgage loan serVICing obligattons under the Note, this Security Instrument, and Applicable Law,. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be gIVen written notice of the change which will state the name and address or the new Loan Servicer, the address to which payments should be made and any other information RESPA requuestn connection with a notice of transfer of servicing, If the Note is sold and thereafter the Loan IS servlced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servlcmg obligations to Borrower will remain with the Loan Servlcer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwIse provided by the Note purchaser. Neither Borrower nor Lender may commence, Jam, or be joined to any Judicial actIOn (as either an mdividual litigant or the member of a class) that anses from the other party's actIons pursuant to this Security Instrument or that alleges that the other party has breached any provisIOn of, or any duty owed by reason of, thtS Security Instrument, until such Borrower or Lender has notified the other party (with such nottce gIVen in complIance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the givmg of such notIce to take corrective action. If Applicable Law provides a tlme penod which must elapse before certaIn action can be taken, that time penod will be deemed to be reasonable for purposes of this paragraph, The notice of acceleratIon and opportunity to cure gIVen to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfY the notice and opportunity to take corrective acbon provisions ofthts Section 20. 21. Hazardous Substances. As used In this SectIon 21: (a) t'Hazardous Substances II are those substances defined as tOX1C or hazardous substances, pollutants, or wastes by EnVironmental Law and the fol1owmg substances: gasolme, kerosene, other flammable or toxic petroleum products, toXIC pesticides and herbIcides, volatile solvents, materials containmg asbestos or formaldehyde, and radioactIve ma.terials; (b) "Environmental Law" means federal laws and laws of the jUnsdIctJon where the Property lS located that relate to health, safety or environmental protection, (c) "EnVIronmental Cleanup" mcludes any response action, remedial action, or removal actIon, as defined In EnVIronmental Law; and (d) an IIEnvironmental Condition" means a condition that can cause, contribute to, or otheIWlse tngger an EnVIronmental Cleanup. ~~~NG - Single Family· F.nnl. Mao/Freddlo Moc UNIFOAM INSTfl.UMENT WoIte,.. I<luwor Ftn~oIel S.lVloo. Inlll.I.'~ Fo,m 306f 1101 VMP6(WY} {06(3).OO Page 13 of 16 ,.. ^ <". '}:11'''~ 1~J~!'V'V9.,) l 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 1n the Property. Borrower shall not do, nor allow anyone else to do, anything affectmg the Property (a) that 1S in vIOlation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The precedmg two sentences shall not apply to the presence, uso, or storage on the Property of small quantiues of Hazardous Substances that are generally recogll1zed to be appropriate to normal residential uses and to maintenance of the Property (mcluding, but not limited to, hazardous substances in consumer products). Borrower ~hall promptly give Lender written notIce of (a) any mves1:1gat1o~ chum, demand, lawsUit or other action by any governmental or regulato.ry agency or private party mvolvmg the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any EnVIronmental Condition, including but not !tmlted to, any spilhng, 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 notiñed by any governmental or regulatory authonty, or any prívate party, that any removal or other remediation of any Hazardous Substance affecting the Property IS necessary, Borrower shall promptly take all necessary remedial actions in accordwce with EnVIronmental Law, Nothing herem shall create any obhgatlon on Lender for an Environmental. Cleanup, NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows. 22. Acceleration; Remedies. Lender shall give notice to :JJorrower prior to acceleration following Borrower's breach of any Cðvenant or a~reement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this .security Instrument and sale of the Property. The notice shall further Inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default Is not cured on or before the date specified in the notice, Lender at its option m \y require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses Incurred in pursuing the remedies provided in tbis Section 22, including, bnt not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrowèr in the manner provided in Section 15. Lendl}r shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Propèrty at any sale. The proceeds of the sale .shall be applied In the following ol.'der: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys I fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legaUy entitled to it. 23. Release. Upon payment of al1 sums secured by this Security Instrument, Lender shall release this Security Instrument. B~rrower shall pay any recordatlon costs. Lender may charge Borrower a fee for WYOMING - Slngl. Family· Fannie M.eJFraddkl Mac UNIFORM INSTRUMENT VMPIlll Wallala t<fuwe, Financial Servlc.. Inlllala, ~ Fann 3051 1101 VMP6(WY) (a803~OO Paga 14 or 18 · "...~ II OOD3:18 releasmg thIs "Security Instrument, but only if the fee is paid to a thlrd party for services rendered and the charging of the fee is permitted under Applicable Law 24. Waivers. Borrower releases and Walves all nghts under and by virtue of the homestead exemption laws of Wyommg. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contamed In this Security Instrument and :in any Rider executed by Borrower and recorded with it. Witnesses: ~ A-¿i~ CIND AGRAMKE (Seal) -Borrower (Seal) -BolTOwer (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower (Seal) -BoIT(Jwer (Seal) -Borrower ~WING . Slngl. Family· Fannlè MaalFreddla Msc UNIFORM INSTRUMENT Wall.... KlUWBr Fl!1anclal Sorvloes Inlllsl.~ ~ Form 3051 1/01 VMP6(WY) (0808).00 Page 15 or 18 '·....Ir ul ...~~'··31..., t~.'llil\~ 8i STATE OF WYOMING, Lincoln County 55: ThIS Instrument was acknowledged before me on April 20. 2009 by CINDY A GRAMKE My CommISsion Expires: 02/26/2011 1'·""""''''·'''· ., LORI KALAN - NOTARY PUBLIC COUNTY OF STATE OF LINCOLN WYOMING My Commission Expires Feb. 26, 2011 -.~~-,,!,-..-q.....-'f>,._""-.:Ø'''''''~._/''',,~''''~' çf¡g~ /.- ~ : ,/) Notary ublte Tltte (and Rank) WYOMING. Single FHml1y . Fann'e M.aB/Fl1Iddle Mac UNIFORM INSTRUMeNT VMP @I Wolters Kluwer Rnene/HI Servloes Inkla~' C~ Form 3061 1/tH VMP6¡WY) (0603).00 Pege 16 of 16