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HomeMy WebLinkAbout946735 00&336 RECEIVED 4/24/2009 at 2:09 PM RECEIVING # 946735 BOOK: 721 PAGE: 336 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY ~lwrß 'ü..1: First American RES ATTN; Nationstar Mortgage Tracking 450 E.Boundary Street Chapin, SC 29036 Prepared By: Sarah Fry NATIONSTAR MORTGAGE LLC 350 HIGHLAND DR, 1ST FL FINAL DOCS LEWI~VILLE, TX 75067 252518063 [Space AbO\'t! This Line For Recording Data] \J", Recording requested by: LSI When recorded return to : Custom Recording Solutions 2550 N. Redhill Ave. Santa Ana, CA. 92705 DEFINITIONS 800-756-3524 Ext. 5011S1ð<15,o Words used in multiple sections of this doeumenl arc defined below and other words arc defined in Sections 3, 11, 13, HI, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. MORTGAGE MIN 100397202525180635 (A) "Security Instrument" means this document, which is dated together with all Riders to this document. (B) "Borrower" is JEAN L BUNNER AND DANIEL G BUNNER¡WIFE AND HUSBAND AS TENANTS BY THE ENTIRETY 4/01/2009 Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage Eleelronic Registration Systems, Inc. MERS is a separale corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026. tel. (888) 679-MERS. WYOMING. Single Family· FannIe Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP II) Woller8 Kluwer Financial Service, t f\'" ,,,""" ,., \JPMP6A(WV} {0806\.OO Initials: Page 1 0 16 252518063 (D) "Lender" is NATIONSTAR MORTGAGE LLC Lender is a A LIMITED LIABILITY COMPANY organized and existing under the laws of THE STATE OF DELAWARE Lender's address is 350 HIGHLAND DRIVE LEWISVILLE, TX 75067-4177 (E) "Note" means the promissory note signed by Borrower and dated 4/01/2009 The Note sætes that Borrower owes Lender ONE HUNDRED ELEVEN THOUSAND & 00/100 Dollars (U.S. $ 111,000.00) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full notlaLCr than 5/01/2039 (F) "Property" means the properly that is described below under the heading "Transfer of Rights in the Property. " (G) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: D Adjustable Rate Rider o Balloon Rider o VA Rider D Condominium Rider o Planned Unit Development Rider D Biweekly Payment Rider D Second Home Rider o 1-4 Family Rider [i] Other(s) [specify] LEGAL (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Properly by a condominium association, bomeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telepbone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation. settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for; (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrcpresenwtions of, or omissions as to, the value and/or condition of the Property, (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note. plus (ii) any amounts under Section 3 of this Security Instrument. WYOMING· Single Family· Fannie Maa/Freddle Mac UNIFORM INSTRUMENT WITH ME AS VUPS Wolters KJuwer FInancial Services ~ Form 305, 1/01 VUP6A(WV) (0606),00 Initials Page 2 01 16 00&33t7 252518063 (P) "RESPA" means the Real Est¡¡te Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard LO a "federally ·related mortgage loan" even if the Loan does not qualify as a "federa11y related mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Securit)' Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and a11 renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, with power of sale, the following described property located in the COUNTY of LINCOLN IType of Recording JII,¡,diction] [Name of Recording Jurisdiction] LOT 9 OF BLOCK 49 OF SECOND ADDITION TO THE TOWN OF KEMMERER, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. ParcclIDNumb~: 12-2116-23-1-13-018.00 511 OPAL STREET KEMMERER ("Property Address"): which currently has the address of IStreet) ICilYI , Wyoming 83101 ¡Zip Cudel TOGETIffiR WITH a11 the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereal'ter a part of the property. A11 replacements and additions shall also be eovered by this Security Instrument. A11 of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any or all of those interests, inducting, WYOMING· Single Famllv· Fannte Mae/Freddie Mac UNIFORM INSTRUMENT WITH ME AS VUPI!!> Wolte,. Kluwa, FinancIal SerVlcea ~~. Form30611101 . UP6AIWYJ (09061.00 Inlllals: Page 3 or 1 ß 00û338 252518063 but not limited to, the right to foredo~e and ~e!l the Property; and to take any action required of Lender including, but not limited to, releasing and canceling thi~ Security In~trument. BORROWER COVENANTS that Borrower is lawfully ~eised of the estate hereby conveyed and has the right to mortgage, grant and convey the Properly and thm the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. TIllS SECURITY INSTRUMENT combines uniform covenant.~ for national use and non-uniform covenants with limited variations by juri~diction to con~titute a uniform security in~trument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follow~: 1. Payment of Principal, Interest, ~~scrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of. and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payment.~ due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other in~trument received by Lender as payment under the Note or this Security In~trument is returned to Lender unpaid, Lender may require that any or all ~ubsequent payments due under the Note and this Security In~trument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank cheek, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposit.~ are insured by a federal agency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payment.~ 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 in accordance with the notice provi~ion~ in Section 15, Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment in~uffieient to bring the Loan current, without waiver of any rights hereunder or prejudice to it~ right~ 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 nOI pay interest 00 unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower doe~ not do so within a reasonable period of time, Lender ~hall either apply ~uch funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal 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 payment~ due under the Note and this Security Instrument or performing the covenants and agrecment~ secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payment~ accepted and applied by Lender shaU be applied in the fo!lowing order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due, Any remaining amounts shall be applied first to late chl1rge~, second to any otber amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a suflicient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received trom Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more WYOMING· Single Family. Fannia Mae/Freddie Mac UNIFORM INSTRUMENT WITH ME RS VIAPS Woller. Kluwa, Financial Services \ Form 30511/01 , y;::)IAP6AIWV) 10806).00 Inltla! Page 4 of 16 (;{Þô339 252518063 Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due dale, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Paymenl~ are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounl~ due for: (a) tBxes and assessmenl~ and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with lhe provisions of Section 10. These items arc called "Escrow Items." At origination or at any time during the term of lhe Loan, Lender may require that Community Associaûon Dues, Fees, and Assessment~, if any, be escrowed by Borrower, and such dues, fees and assessment~ shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounl~ to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Bor,ower 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 receipt~ evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipl~ sball for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay tbe amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Secûon 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or an Escrow Items at any time by n notice given in accordance wilh Seclion 15 and, upon such revocalion, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under lhis Seclion 3. Lender may, at any time, collect and hold Funds in an amount (n) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA, Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Esc,ow Items or otherwise in accordance with Applicable Law, The Funds shall be held in an insûtuûon whose deposits arc insured by a federal agency, inslrument.ality, or enûty (including Lender, if Lender is an institution whose deposit.~ are so insured) or in any Federal Home Loan Barne Lender shall apply lhe Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annuany analyzing the escrow account, or verifying lhe Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law rcquires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or cumings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on lhe Funds. Lender shall givc La Borrower, withouL charge, an annual accounting of lhe Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to WYOMING· Single Family. FannIe Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP@ Woltets Kluwer Financial Service&. ~ Form30S1 HOl P6AIWYJ (0808).00 In"la,5'. Page S nf 16 ,... 0"'34 '... ~'.: ¡ \..9 U ',)OiJ341 252518063 Lender the amount necessary to make up the shorwge in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than ]2 monthly payments. Upon payment in full of all sums secured hy this Security Ins!rument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessment~, charges, fines, and impositions at!ributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground renl~ 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 in Section 3. Borrower shan promptly discharge any lien whieh has priority over this Security Ins!rument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner accepWblc to Lender, but only so long as Borrower is performing such agreement; (b) contest~ the lien in good faith by, or defends against enforcement of the lien in, legal proceedings wbich in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the bolder 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 !I lien which can attain priority over this Security Ins!rument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one- time charge for a real estate tax verification and/or reponing service used by Lender in connection with this Loan, S. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and fJoods, for which Lendcr rcquires insurance. This insurance shall be main wined 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 tenn of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shan not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and !racking services; or (b) a one-time charge for flood zone dete,mination and ccrtification services and subsequent eharges each time remappings or similar changes occur which reasonably might affect such detennination or certification. Borrower shaH also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any Hood LOne determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obwin insurance coverage, at Lender's option and Borrower's expense, Lender is under no obligation to purcbase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Properly, or the conLCnl~ of the Properly, against any risk, haLard 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 signifieanLly exceed the cost of insurance that Borrower could have obtnined. Any amounts disbursed by Lender under this Section 5 shaH become additional 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 notice from Lender to Borrower requesting payment. WYOMING· Single Family. Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMPIii> Waller, Kluwer Financial ServIces ~ ,.,.,,,,,., ~ ~VMP8A(WV) (OB06).00 Inilials. Page 6 Q 16 .- 0,', 34''''' ':: v ,G 252518063 All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagec and/or as an additional loss payce. Lcnder shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promplly give lO Lender an reeeipls of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall ¡ncJude a standard mortgage cJause and shan name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Properly, if the resloration or repair is economieal1y feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the righl to hold such insurance proceeds until Lender has had an opportunily lO inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds, Fecs for public adjuslers, or other third parties, retained by Borrower shall nOl be paid oul of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security 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. ]f Borrowe, docs not respond within 30 days to a notice from Lcnder that the insurance carrier has offered to settle a cJaim, then Lender may negotiate and settle the cJaim. The 3D-day period will begin when the notice is given. In either evenl, or if Lender acquires the Propeny under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's righL~ to any insurance proceeds in an amount not to exceed the amount~ unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under an insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the NOle or this SecurilY Instrument, whether or nOllhen due. 6. Occupancy. Borrower shall occupy, estJIblish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrumenl and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections, Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or com mil waste on the Property. Whether or not Borrower is residing in the PropCrly. Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to iL~ condition. Unless iL is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration 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 repairing or WYOMING· SIngle Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH ME AS VMP@ WOllliHB Kluwer FInancIal Servlcu ~ Co,. '"" ,., . ~MP6AIWYIIOB061.00 Inillat ; Page 7 0116 l' -~,""34"" '0vV .~ 252518063 restoring the Property only if Lender has released proceeds for such porposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. [I' the insur-mce or condemnation procecds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of sueh repair or restoration. Lender or it~ agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvement~ on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, represenUltions concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the PropertJ' and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may atUlÎn priority over this Security Ins!rument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including 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 sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptey procecding. Securing the Property includes, but is not limiled 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 conditions, and have uliJities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Ins!rumenl. These amounl.S shall bear interest at the Note rate from the date of disbursement and shall be payable, with such inlerest, upon notice from Lender 1.0 Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. [I' Borrower acquires fee title to the Property, the leasehold and the fee title shall nOl merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage lnsurance in effecl. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available tram the mortgage insurer that previously provided such insurance and Borrower was required to make separate]y designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent 10 the Mortgage Insurance previously in effect, at a east substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer ~J~~ Na. Single Family. FannIe Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Woller, Ktuwer Financial Servlcu ~ ..,...",., ~.~,~, """.00 '"""' .... ."" i:;.(HJ34tf 252518063 selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until Lermination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage InSUT'dllce reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed, Borrower is not a party to the Mortgage InSUT'ànce. Mortgage insurers evaluate their total risk on all such in.surance in force from time to time, and may enter into agreement.s with other parties that share or modify their risk, or reduce losses. These agreements arc on terms and conditions that arc satisfactory to the mortgage insurer and the other party (or parties) La these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a ,esult of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or Uny affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive fTOm (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an aftiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often teoned "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay I'or Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Harrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation 01' the Mortgage Insurance, to have the Mortgage Insurance terminated automutically, and/or to receive a refund of' any Mortgage Insurance premiums that were unearned at the time of' such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to rcsLoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is nm lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an WVOMING· SIngle Family. FannIe Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP@ Woller, Kluwa, Financial Services r Form'0011101 '.1J!)VMP6AIWY) 10606).00 Initial... Page 9 01 16 ')0&345 252518063 agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds, If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid LO Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied LO the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid LO Borrower, In the event of a partial taking, destruction, or loss in value of the Properly in which the fair market value of the Property immediately before thc partial laking, destruction, or loss in valuc is equallo or greater than the amount of the sums secured by this Securily Inslrument immediately before the partial taking, deslruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the LOtal 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 partia] taking, destruction, or Joss in value. Any balance shall be paid to Borrower. In the event of a partial taking, deslruetion, or loss in value of the Property in which the fair market value of the Property immediately before the partial Laking, deslruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, deslruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied LO the sums secured by this 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 afler the date the nOliee is g.iven, Lender is authorized to coHect and apply the Miscellaneous Proceeds either to resLOration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower sball be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other malerial impairment of Lender's interest in thc Property or righL~ under this Security Instrument Borrower can cure such a dcfault and, if acceleration has occurrcd, reinslale as providcd in SecLion 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that arc not applied to restoration or repair of the Property shall be applied in the order provided for in SecLion 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension ot the time for payment or modification of runorLization of the sums secured by this Security Instrument granted by Lender LO Borrower or any Successor in Interest of Borrower shaH not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization WVOMING· Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP@ Woller. Kluw8r Financial Servicu ~~ Form30511/01 IÙ !5tMP6A(WYI (0606).00 Initial. Page 100116 øOú\346 252518063 of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of paymenL~ from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-sil(ners; Successors and Assil(ns Bound. Borrower covenanL~ and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personany obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section IH, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shan not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreemenL~ of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lcnder. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shan not be construed as a prohibition on the charging of such fee. Lender may not charge fees that arc expressly prohibited by this Security Instrument or by Applicable Law, If the Loan is subject to a law which seL~ maximum loan charges, and that law is nnaIly interpreted so that the interest or other loan charges collected or to be coHected in connection with the Loan exceed l11e permitted limiL~, then: (a) any such loan charge shaH be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Bor,ower, If a refund reduces principal, the reduction will be treated as a partial prepayment without any prcpayment charge (whether or not a prepayment charge is provided for under the Note), Borrower's acccpk1nce of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shaJI be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shaJI promptly notify Lender of Borrower's change of address. If Lender specines a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address st:Jted herein unless Lender t~ Form 3051 1/01 I~DMP6AIWVII01J061.00 Inl1la1 . Page 11 01 16 WYOMING· Single Family· Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMPIé> Wollers Kluwar Financial Services 00{)¡347 252518063 has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. f any notice required by this Security Instrument is also required under Applicable law, the Applicable law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Securily Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is loealed. AH right.~ and obligations contained in this Security Instrument are subject to any requirement~ and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parlies to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shan not affect other provisions of this Security In,5trument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shaH mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. norrower's Copy. Borrower shan be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interesL~ transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by 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 immediate payment in full of all sums secured by this Sel:urity Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shaH give Borrower notice of acceleration. The notice shaH provide a period of not less than 30 days from the dale the notice is given in accordance with Section 15 within which Borrower must pay all sums secured hy this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. lIorrower's Right to Reinstate After Acceleration. If Borrower mcets certain conditions, Borrower shall have the right to have enforcemcnt of this Security Instrument discontinued at any time prior to the earliest of: (a) Jive days before sale or the Property pursuant to any power of sale cont.,ined in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that 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 agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fces incurred for the purpose of protecting Lender's interest in the Property and righL~ under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's inlerest in the Properly and righL~ under lhis Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selecled by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or t Form 30511/01 .. ffiĊ¸MP8A/WVII0808),OO Initial,: Pagø120116 , WVOMING· Single Family· Fannlø Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP Ié> Wollen Kluwe, FInancial Services 252518063 cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligutions secured hereby shall remain fully effective as if no acceleration had occurred. However. this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note¡ ChanJ:e of Loan Servicer¡ Notice of Grievance. The Note or a partial interest in the Note (together with this Sceurity Instrument) can be sold one or more times without prior notice to Borrower. A sale migbt result in a cbange in the entity (known as the "Loan Servieer") that co ]ect~ Periodic Payment~ due under the Note and this Security Instrument and performs other mortgage loan servicing obligatiQns under the Note, this Security Instrument. and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payment~ should be made and any other infoonation RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other th'an the purchaser of the Note, the mortgage loan servicing obligations to Borrower wiU remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrowe, nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirement~ of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the norice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to l1lke corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Subslallces" are those subslallces defined as toxic or hazardous subslallces, pollutant~, or wastes by Environmental Law and the following subslallces: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action. remedial action, or removal action, as de!ïned in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Subslallces, on or in the Property, Borrower shall not do, nor anow anyone else to do, anything affecting the Property (n) that is in violation of any Environmental Law, (b) wbich creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous SubslaIlce, creates a condition thal adversely affecL~ the value of the Properly. The preceding two sentences shall not apply to the presence, use, or storage on the Properly of smaJI quantities of Hazardous Subslallees that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products), WYOMING. Single Family· Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP@ Woller! Kluw8r Financial Servlce8 r Form30511101 PBA(WV) (OaOB).OO Inilla s,~ Page 130116 (ItOV348 ~ "'311 ~') ~-.~Ov ~.,)! 252518063 Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including bUL not limited to, any spilling, leaking, discharge, release or threal or release of any Ha£ardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance which adversely affecLs the value of Lhe Property. If Borrower learns, or is notilïed by any govemmenml or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmenml Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of' any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specifY: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Horrower, 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 may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section IS. Lender shall publish the notice of sale, and the Propert)' shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by thi~ Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this SeeuriLy Inslrumem, Lender shall release this Security Instrument Borrower shall pay any recordation COSl~. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives ali rights under and by virtue of the homestead exemption laws of Wyoming. WYOMING· Single Family. Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS VMP r;: Wolter. Kluwef Financial Servlc8S r~ Form'OB'1/0' ) ~MP6AIWY) 10906).00 Inillars: Page 140116 ~)Oú35Û 252518063 BY SIGNING BELOW, Borrower accepts and agree,~ to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: (Seal) (Seal) -Borrower -Borrower (Seal) -narrower (Seal) -Borrower (Seal) (Seal) -Rorrower -Horrower ~J~~ NG. Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Woltets KluW8' Financial Servlcu ~ Form 30511/01 P6AIWVlloe061.00 101tla10:. . Page 150116 STATE OF WYOMING, LINCOLN This instrument was acknowledged before me on by JEAN L BUNNER DANIEL G BUNNER My Commission Expires: 01/1;1.);;0) I . .- 0·-· 35 ~ ~..). \i . í 252518063 County ss: APRIL 1, 2009 JE: HJtr~~ N~ fùl2LJe ~J~~INa. SIngle Family· Fannie Mae/FreddIe Mac UNIFORM INSTRUMENT WITH YEAS Woller. Kluwer Financial ServIce. r Form 3051 1101 P6AIWY} 10005).00 tniUal$ Page 160116 i.) 0 i.iì3S2 Loan # 252518063 Exhibit A LEGAL DESCRIPTION The following described property: Situate in Lincoln County and State of Wyoming, hereby releasing and waiving all rights under and by virtue of the homestead exemption laws of the State to wit: Lot 9 of Block 49 of Second Addition to the Town of Kemmerer, Lincoln County, Wyoming as described on the Official Pi at thereof. Assessor's Parcel No: 12-2116-23-1-13-018.00