Loading...
HomeMy WebLinkAbout946739 .::;u 6010917627 ú00358 Return To. FINAL DOCUMENTS X2599-024 RECEIVED 4/24/2009 at 3:55 PM RECEIVING # 946739 BOOK: 721 PAGE: 358 JEANNE WAGNER LINCOLN COUNTY CLERK, KEMMERER, WY 405 SW 5TH STREET DES MOINES, IA 50309-4600 Prepaxed By: 8MB TEAM WELLS FARGO ~, N.A. 24 EXECUTIVE PARK # 250 IRVINE, CA 92614 [Space Above This Line For Reeordlng Data) MORTGAGE DEFINITIONS W oreis used in multiple sections of this document are defined below ánd other words are defmed In Sections 3, 11, 13, 18, 20 and 21. Certain roles regaxding the usage of words used In thts document are also provided in Section 16 (A) "SecurityInstrument"means thIS document, which is datedAPRIL 20, 2009 together with all Riders to thIS document, (B) "Borrower"is KElTS M. HARRIS AND DEBBIE L. HARRIS, HUSBAND AND W:rFE l' "t "i ! , 1 I BOlTower IS the mortgagor under this Security Instrument. (C) "Lender"is WELLS FARGO BANK,' N .A. Lender îs a National Association organized and existing under the laws ofTHË UNITED, STATES OF AMERICA Lender's address IS P.O. BOX 5137, DES MOINES, IA 50306-5137 Lender is the mortgagee under this Security Instrument. 0260562277 ~J~OOING .5Inql. Family. Fannie MeeJF,addla Mae UNIFORMIN5TRUMENT Wollers Kluwer Flnanolal Sa/VIee. Form 3051 1/01 VMP6(WY) (0603).Oa Page 1 of 18 'nlUs'. NMFL 3051 (WYCM) Rev 6/21)08 11111111111111111111 00&359 (D) "Note" means the pronussory note signed by Borrower and da.tedAP~:rL 20, 2009 The Note states that Borrower owes LenderTWO HUNDRED TWENTY-FOUR THOUSAND AND NO/100 DoUars (U.S. $ ***224,000.00 ) plus interest. Borrower has promised to pay this debt 10 regular Periodic Payments and to pay the debt in full not later than MAY 1, 2039 (E) "Property" means the property that is described below under the heading "Transfer of Rlghts in the Property, " (F) "Loan 1\ means the debt evidenced by the Note, plus mterest, any prepayment charges and late charges due under the Note, and all sums due under thts Security Instrument, plus interest. (G) "Riders"means all Riders to thiS Security Instrument that are executed by Borrower. The foUowing Riders are to be executed by Borrower [check box as appllcable]: D Adjustable Rate Rider § CondommlUm Rider D Second Home Rider D Balloon Rider Planned Unit Development Rider D 1-4 Family Rider o VA Rider Biweekly Payment Rider DOther(s) [specify] (H) "Applicable Law" means all controlhng applicable federal, state and local statutes, regulabons, ordinances and admtmstratlve rules and orders (that have the effect. of law) as well as all applicable final, non-appealable judIcial opinions. (1) "Community Association Dues, Fees, and Assessments" means a11 dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction ongmated by check, draft, or similar paper instrument, which IS initiated through an electronic tenmnal, telephonic 1Ostrument, computer, or magnetic tape so as to order, instruct, or authorize a financialmsbtutIon to deblt or credit an account. Such term includes, but is not lnnited to, pomt-of-sale transfers, automated teller machine transactions, transfers mittated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those hems that are described 111 Section 3. (L) "Miscellaneous Proceeds" means any compensatton, settlement, award of damages, or proceeds paid by any thIrd party (other than msurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property, (ü) condemnatIon or other takmg of aU or any part of the Property; (iii) conveyance in heu of condemnatIon; or (iv) nusrepresentations of, or omisslons as to, the value and/or conditlon of the Property, (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan, (N) "Periodic Payment" mean& the regularly scheduled amount due for (í) principal and interest under the Note, plus (ii) any amounts under SectIon 3 of flus Security Instrument. (0) "RESPA"means the Real Estate Settlement Procedures Act (12 U.S.C. Sectlon 2601 et seq.) and its Î1~plementtng regulation¡ Regulabon X (24 C.F.R, Part 3500), as they mtght be amended from ttme to time, or any additional or successor legislation or regulatton that governs the same subject matter. As used m thlS Security Instrument, "RESP A" refers to all requirements and restrictions that are unposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESP A ~~OOING . Single Family· FannIe Mae/Freddie Mac UNIFORM INSTRUMENT Wollen Kluwar Financial Sa/Vlces Form 3051 1101 VMPB(WV) (OB03).00 Page 2 of 18 00&360 u (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 oblrgatlOns under the Note and/or tills Security Instrument, TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note, and (ii) the performance of Borrower's covenants and agreements ~der this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sa,le, the followmg described property located m the COUNTY of LINCOLN [Type of Recording Junsdiction] [Name of Recording J1II1SdlctJ.on] APN: 12-2519-27-4-00-017.00 PLEASE SEE LEGAL-DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF Parcel ID Number; 12-2519-27-4-00-017.00 40 STOCK TRAIL COKEVILLE (ItProperty Address"): which currently has the address of [S tree!) [City], Wyommg 83114 [ZIp Code] TOGETHER WITH all the Improvements now or hereafter erected on the property, and- all easements, appurtenances, and fixtures now or hereafter _8 part of the property. All replacelDents and additíons shall also be covered by th1S Security Instrument. All of the foregomg IS referred to in this Seourity Instrument as the ItProperty.1t BORROWER COVENANTS that Borrower 1S lawfully seised of the estate hereby conveyed and has the nght 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 ag81nst all cl81ms and demands, subject to any encumbrances ofrec01,-d. THIS SECURITY INSTRUMENT combines uniform covenants for naÍlonal use and non-uniform covenants with hooted variations by junsd1ction to constitute a uniform security instrument covering real property. Inltlal'~ ~\~ 'I' Fonn 3061 1101 VMP6(WY) (0803).00 Page 3 of 16 WYOMING· Single Family· Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP«I) Walters Kluwar Flnenclal Services (~O ." 36-t~ - V .L . ........, u ¡ 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 prmcipal of, and mterest on, the debt evidenced by the Note and any prepayment charges and Jate charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Nòte 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 this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and thIS Security Instrument be made in one or more of the following 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 mstitutlon whose deposits are insured by a federal agency, mstrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed receIved by Lender when receIved at the loeabon desIgnated in the Note or at such other location as maybe designated by Lender m accordance with the nottce provisions 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 msufficlent to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender IS not obligated to apply such payments at the time such payme!1ts are accepted. If each Periodic Payment IS applied as of its scheduled due date, then Lender need not pay mterest on unapplied. funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so withm a reasonable penod of time, Lender shall either apply such funds or return them to Borrower. If not apphed earher, such funds will be applied to the outstanding principal balance under the Note immediately pnor to foreclosure. No offset or claIm which Borrower might have now or in the future against Lender shall relieve Borrower ITom makmg payments due under the Note and this Security Ins1rument or performmg the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described m this Section 2, all payments accepted and applied by Lender shall be applIed in the followmg order of priority: (a) interest due under the Note; (b) principal duè under the Note; (c) amounts due under SectIOn 3. Such payments shall be applIed to each Penodlc Payment m the order in which It became due. Any remammg amounts shaH be applied first to late charges, second to any other amounts due under this Secunty Instrument, and then to reduce the pnnclpal balance of the Note, If Lender receIves a payment ITom Borrower for a delinquent PenodIC Payment which includes a sufficIent amount to pay any late charge due, the payment may be applIed to the delmquent payment and the late charge. If more than one Penodic Payment is outstanding, Lender may apply any payment receIved ITom Borrower to the repayment of the Penodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess eXIsts after the payment is apphed to the full payment of one or more Periochc Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be apphed first to any prepayment charges and then as described In the Note. Any app1icatIon of payments, insurance proceeds, or MIscellaneous Proceeds to pnnclpal due under the Note shall not extend or postpone the due date, or change the amount, of the Penochc Pa.yments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Penoch.c Payments are due under the Note, until the Note IS paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain pnority over this Sc curity Instrument as a ~~~ING . Single Family - Fannie MaeJFreddle Mac UNIFORM INSTRUMENT WoJtOl8 Kluwar Financial SelVlce. ¡) f-n \.~ Fcrm 3061 1/01 .l· I l \\l VMP6(WY (0803).00 InlUal. ~age 4 cf 18 IIJ .'d..,I'J II ('''o~' 3tC''':'' .." v 10,(."", hen or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance requtred by Lender under SectIOn 5, and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender In lieu 9f the payment of Mortgage Insurance prem1ums 10 accordance with the provisions of Sectton 10, These items are called "Escrow Items" At origination or at any time during the tenn of the Loan, Lender may reqUIre that Community AssociatIon 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 this Sectton. Borrower shaU pay Lender the Funds for Escrow Items unless Lender Wlllves Borrowers obhgation to pay the Funds for any or all Escrow Items.. Lender may waive Borrower's oblIgation to pay to Lender Funds for any or a11 Escrow Items at any tIme. Any such waiver may only be m 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 evidencing such payment within such time penod as Lender may reqUIre. Borrower's obligatIOn to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contamed 10 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 Wlllver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exerCIse itsrigbts 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 m accordance with SectlOn 15 and, upon such revocation, Borrower shaU pay to Lender all Funds, and in 'such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds 10 an amount (a) sufficient to pennit Lender to apply the Funds at the time specified under RESP A, and (b) not to exceed the maximum amount a lender can require under RESP A. Lender shall estimate the amount of Funds due on the basIs of current data. and reasonable estlmates of expenditures of future Escrow Items or otherwIse In accordance with Applicable Law. The Funds shall be held m an Institution whose deposits are msured by a federal agency, instrumentality, or entity (includmg Lender, if Lender IS an institution whose deposits are so Insured) or m any Federal Home Loan Ban1e Lender shaH apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shan not charge Borrow!;:r for holding and applymg the Funds, annually analyzing the escrow account, or verifYing the Escrow Items, unless Lender pays Borrower 1nterest on the Funds and Appl1cable Law pennits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires mterest to be paid on the .Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree m writmg, hQwever, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESP A. If there is a surplus of Funds held m 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 defined under RESP A, Lender shaU notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the shortage m accordance with RESP A, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESP A, Lender shall notity Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESP A, but III no more than 12 monthly payments, Upon payment 10 full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. WYOMING· Single Family· Fannie Mae/Freddle Mac UNIFORM INSTRUMENT VMP(!) Wolle'" Kluwer Financial Services Form 3051 1101 VMP6(WY) (0603).00 Page 5 of 16 (,00363 ',. l'IIt:_'III, II. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this 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, BotTower shall pay them in the manner provided in Sect10n 3, Borrower shall promptly discharge any hen which has pnority over thts Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligatIon secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfomungsuch agreement; (b) contests the lien in good faith by, or defends against enforcement of the hen in, legal proceedmgs.which m Lender's opml0n operate to prevent the enforcement of the hen while those proceedíngs are pending, but only until such proceedmgs are concluded; or (c) secures from the holder of the hen an agreementsattsfactory to Lender subordlnatmg the hen to thIS Security Instrument. If Lender detenmnes that any part. of the Property 1S subj ect to a. hen which can attam pnority over thìs Security Instrument, Lender may give Borrower a nonce identifymg the lien. Withtn 10 days of the date on which that notice is given, Borrower shall sahsfy the hen or take one or more of the acttons set forth above m thts Sechon 4. Lender may reqUlre Borrower to pay a one-time charge for a real estate tax verificahon andlor reporting servIce used by Lender in connection with thIs Loan. 5. Property Insurance. BotTower shalt keep the Improvements now eXistmg or hereafter erected on the Property msured a.gainst loss by fire, hazards mcluded within the term "extended coverage," and any other hazards including, but not hmited to, earthquakes and floods, for which Lender requires msurance, This msurance shall be mamtamed m the amounts (mcluding deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan, The insurance carner providing the insurance shall be chosen by BOtTower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably, Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and trackIng services; or (b) a one-time charge for flood zone determmatlOn and certification semces and subsequent charges each tune remappir¡.gs or similar changes occur which reasonably might affect such determination or certification. BotTower shall also be responsible for the payment of any fees írp.posed by the Federal Emergency Management Agency m connectJon with the review of any flood zone determmahon resultmg from an obj ectlOn by Borrower. If Borrower fails to maintain any of the coverages described above~ Lender may obtam insurance coverage, at Lender's option and BOtTower's expense. Lender is under no obligation to purchase any partJcular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity m the Property, or the contents of the Property, agamst any risk, hazard or liability and might provide greater or lesser coverage than was prevlOusly 10 effect. Borrower acknowledges that the cost of the insurance coverage so obtamed might significantly exceed the cost of msurance that Borrower could have obtamed. Any amounts disbursed by Lender under this Sechon 5shal1 become additJonal debt of Borrower secured by thiS Security Instrument. These amounts shall beá.r. mterest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requestmg payment. All insurance policIes reqUIred by Lender and renewals of such pohCles shall be subject to Lender's right to disapprove such polIcies, shaH include a standard mortgage clause, and shall name Lender as mortgagee andlor as an additlOnalloss payee. Lender shall have the nght to hold the pohcies and renewal certificates. If Lender requires, BotTower shall promptly gtve to Lender all receipts of paid premiums and renewal nonces. If Borrower obtains any form of insurance coverage, not otherwi e required by Lender, WYOMING - Single Family. Fannia Mae/Freddie MIlo UNIFORM INSTRUMENT VMP 18 Wolters Kluwer Financial $ervlces ~ll Form 3051 1101 . \.\- VMP6(WV) (0803).00 . Peg" 6 at 16 OOü364 for damage to, or destruction of, the Property, such policy shall Include a standard mortgage clause and sh¡¡.ll name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt nonce to the Insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. tJnless Lender and Borrower otherwtse agree in writing, any insurance proceeds, whether or not the underlymg insurance was required by Lender, shall be applied to restorabon or repair of the Property, if the restoration or repan' IS economically feasible and Lender's security IS not lessened. Dunng such repair and restoration period, Lender shall have the right. to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's sabsfactl0n, provided that such Inspection sha.ll be undertaken promptly. Lender may disburse proceeds for the repaus and restoratJ.on m a single payment or m a series of progress payments as the work IS completed. Unless an agreement is made m wribng or AppI1cable Law requires Interest to be paid on such msurance proceeds, Lender shall not be required to pay Borrower any interest or earmngs on such proceeds. Fees for pubhc adjusters, or other third partJes, retained by Borrower shall not be paid out of the ínsurance 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 8ection'2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance cl8.J.m and related matters. If Borrower does not respond withm 30 days to a notice from Lender that the insurance carner has offered to settle a claim, then Lender may negottate and settle the claim. The 30-day penod will begm when the notice IS given, In either event,. or if Lender acquires the Property under Sectton 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any msurance proceeds m an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's nghts (other than the right to any refund of unearned premiums paid by Borrower) under a111.nsurance policies covering the Property, msofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to rep8J.r or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower snall occupy, esta.blish, and use the Property as Borrower's principal residence within 60 days after the execution of this Secunty Instrument and shall connnue to occupy the Property as Borrower's princIpal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writmg, which consent shall not be unreasonably withheld, or unless extenuattng circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or ímpair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing In the Property, BOLTower shall mamtain the Property In order to prevent the Property from deteriorating or decreasmg in value due to its conditJ.on. Unless it is detennmed pursuant to Sect10n 5 that repair or restoration is not economically feasible, Borrower s1uùl promptly repau the Property if damaged to avoid further deterioration or damage, If insurance or condemnation proceeds are paid m connecbon with damage to, or the takmg of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proc·eeda for such purposes. Lender may disburse proceeds for the repairs and restora.tion in a. soogle payment or m a: senes of progress payments as the work is completed. If the insurance or condemnatIOn proceeds are not sufficient Form 3051 1101 VMP6(WVI (0803).00 Psge 7 of 16 ~~~'NG . SIngle Fomlly . Fonnle MoelFreddle Mac UNIFORM INSTRUMENT Wolters Kluwer Financial aelVlc.. OOD365 '·.N..... III to repair or restore the Property, Borrower IS not relieved of Borrower's obhgation for the completion of sucb repaJr or restoratton, Lender or its agent may make reasonable entries upon and mspections of the Property. If it has reasonable cause, Lender may inspect the intenor of the Improvements on the Property, Lender shall give Borrower notice ¡¡.t the time of or prior to such an interior inspection specify¡.ng such reasonable cause, 8. Borrower's Loan Application. Borrower shall be in default if, duríng 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 ínformation or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations mclude, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence, 9. Protection of Lender's Interest in the Property and Rights Under tlùs 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 mterest in the Property and/or rights under this Security Instrument (such as a proceeding m bankruptcy, probate, for condemnation or forfeiture, for enforcement of a hen which may attam priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropnate to protect Lender's interest m the Property and rights under this Security Instrument, mcludlng protecting and/or assessmg the value of the Property, and securing and/or repainng the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has pnonty over thiS Security Instrument; (b) appearing m court, and ( c) paYIng reasonable attorneys' fees to protect its mterest in the Property and/or rigbts under this Security Instrument, includmg its secured position in a bankruptcy proceeding Secunng the Property includes, but is not hmited to, entenng the Property to make repairs, change locks, replace or board up doors and wmdows, dram water from pipes, elmùnate btiildmg or other code violations or dangerous condiÍlons, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and IS not under any duty or obligatIon to do so. It is agreed that Lender mcurs no liability for not taking any or all actions authonzed under thiS Section 9. Any amounts disbursed by Lender under this Secbon 9 shall become additional debt of Borrower secured by this Security Instrument. Thes~ amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such mterest, upon notice ftom Lender to Borrower requesting payment. If this Security Instrument IS on a 1easehold, Borrower shall comply with all the provisions of the lease. If Borrower acqwres fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger m writmg, 10. Mortgage Insurance. If Lender requITe.d Mortgage Insurance as a condition of makmg the Loan, Borrower shall pay the premiums requITed to maintain the Mortgage Insurance m effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage fisurer that previOusly provided such insurance and Borrower was reqUired to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtam coverage substantially eqUivalent to the Mortgage Insurance previously m effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously m effect, from an alternate ~~~ING . Slngla Family. Fannie Ma&IFraddla Mac UNIFORM INSTRUMENT WoJte,. Kluwer Flnanel.1 Services Lt Form 3051 1101 f\' VMP6(WV1 (0809).00 Page 8 of 18 ,.. O 1"36,¡1.":' :,J . \)1 G 1'1....·111· 1M 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 in¡¡urance 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 ultmlately paid in full, and Lender shall not be required to pay Borrower any mterest 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 obtamed, and Lender requires separately designated payments toward the premmm¡¡ for Mortgage Insurance. If Lender requlI'ed Mortgage Insurance as a condition of making the Loan and Borrower was requlI'ed to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the prenuums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requlI'ement for Mortgage Insurance ends m accordance with any written agreement between Borrower and Lender providing for such termmatIOn or until terminatIon is required by Apphcable Law. NothIng in this SectIon 10 affects Borrower's obligation to pay interest at the rate provided In the Note. Mortgage Insurance reImburses Lender (or any entity that purchases the Note) for certain losses It maymcur if Borrower does notrepaythe Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage Insurers evaluate their total risk on all such Insurance in force from time to time, and may enter into agreements with other partJ.es that share or modifY thelI' risk, or reduce losses. These agreements are on terms and conditions that are satlsfactory to the mortgage msurer and the other party (or partJ.es) to these agreements. These agreements may require the mortgage insurer to make payments using any so-µrce of funds that the mortgage msurer may have available (which may mclude funds obtained from Mortgage Insurance prenuums). 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 the foregoing, may receive (directly or indirectly) amounts that derlve from (or might be charactenzed as) a portlOn of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage Insurer's risk, or reducmg losses. If such agreement provides that an affiliate 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 agreeme~ts will not increase the amount Borrower wIll owe for Mortgage Insurance, and they will liot entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower· has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any MortgageInsurancepremiums that were unearned at the time of such cancellation or termination. 11. Assignment of MisceJIaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Len<;ier. If the Property is damaged, such Miscellaneous Proceeds shall be apphed to restorabon or repair of the Property, if the restoratlon or repaIr IS economically feasible and Lender's secunty is not lessened. During such repair and restorabon penod, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to mspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such mspectlon shall be undertaken promptly. Lender may pay for the WYOMING. Slngl. Family. Fannl. MaolFr.ddl. Mac UNIFORM INSTRUMENT ~.,J r\ r ( Form 3051 1101 VMPI8 IliL W..I- VMP6(WY)(0803).00 Woll.... K1uwer Flnonclal Servlc.. InlUol . r, Pogo Ð of 16 r.)Ov36·'~ ......'II! II repalrs and restoration In a sIngle disbursement or In a series of progress payments as the work is completed. Unless an agreement IS made In writing or Apphcable Law requlres interest to be paid on such MIscellaneous Proceeds, Lender shall not be requlred to pay Borrower an,y mterest or earnmgs on such Miscellaneous Proceeds. If the restoratlOn Ç>r repaJr IS not econonucally feasible or Lender's security would be lessened, the Miscel1aneous Proceeds shall be appIied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscel1aneous Proceéds shall be applied m the order provided for m Section 2. In the event of a total taking, destructlon, or loss in value of the Property, the MIscellaneous Proceeds shall be apphed 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 ta1cmg, destructlon, or loss in value of the Property In which the fau market value of the Property Immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immedtately before the partial taking, destruction, or loss m value, unless Borrower and Lender otherwise agree m writing, the sums secured by this Security Instrument shall be r~ced by the amount of the MIscellaneous Proceeds multiplied by the following ftactìon: (a) the total amount of the sums secured immediately before the partial takmg, destruction, or loss m value dIVided by (b) the fair market value of the Property Immediately before the partIal taking, destructIon, or loss In value. Any balance shall be paid to Borrower. In the event of a partial taking, destructIon, or loss in value of the Property m which the fair market value of the Property unmedIately before the partial takmg, destruction, or loss m value is less than the amount of the sums secured immedIately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree In writing, the MIscel1aneous Proceeds shall be applIed to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposmg Party (as defined in the next sentence) offers to make an award to settle a claIm for damages, Borrower fails to respond to Lender within 30 days after the date the notIce 1S gIven, Lender IS authonzed to collect and apply the Miscel1aneous Proceeds either to restoratton 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 shall be In default if any actton or proceeding, whether civil or cTlnunal, IS begun that, in Lender's Judgment, could result tn forfeiture of the })roperty or other material Impwrment of Lender's interest in the Property or rIghts under thIs Security Instrument. Borrower can cure such a default and, if acceleratton has occurred, reinstate as provided in Section 19, by caUSing the action or proceeding to be dismissed with a ruling that, in Lender's Judgment, precludes forfeiture of the Property or other material 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 are not applIed to restoration or repaìr of the Property shall be applIed in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modificatIon of amortization of the sums secured by thtS Security Instrument granted by Lender to Borrower or any Successor in 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 proceedmgs against WYOMING· Single Family· FannIe MeelFreddle Mac UNIFORM INSTRUMENT VMP8 wone... Kluwe, FInancial Services Farm 3051 1/01 VMP6(WY) (0803).00 Page 10 at 16 ,. O""36(Û r,J \ß 6 1'1....111', III: any Successor in Interest of Borrower or to refuse to extend tune for payment or otherwise modify amortIzation of the sums secured by thIs Security Instrument by reason of any demand made by the origmal Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercismg any right or remedy Including, without limitation, Lender's acceptance of payments from third persons, entities or Successors m Interest of Borrower or ín amounts less than the amount then due, shall not be a Walver of or preclude the exercise of any nght or remedy. 13. Joint and Several liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's oblIgatIOns and liability shall be Jomt and several. However, any Borrower who CO-SIgns this Security Instrument but does not execute the Note (a "co-signer"). (a) is co-sigmng this Security Instrument only to mortgage, grant and convey the co-sIgner's mterest In the Property under the tenns of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Secunty Instrument; and ( c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the tenns of this Secunty Instrument or the Note without the co-signer's consent. Subject to the provisions of SectIOn 18, any Successor in Interest of Borrower who assumes Borrower's oblIgatIons under thIS Security Instrument In writing, and is approved by Lender, shall obtaIn all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrowers oblIgatIons and liability under thIs Security Instrument unless Lender agrees to such release In writing. The covenants and agreements of thIS Security Instrument shall bind (except as provided m SectIOn 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connectIon with Borrower's default, for the purpose of protectIng Lender's mterest in the Property and ngbts under tJris 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 shall not be construed as a prohibiuon on the charging of such fee. Lender ma.y 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 interpreted so that the mterest or other loan charges collected or to be coIlected In connection with the Loan exceed the pemùtted lImits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already coIlected ftom Borrower which exceeded pennitted limits will be refunded to Borrower. Lender may choose to make thIS refund by reducing the pnncipal owed under the Note or by making a direct payment to BOlTower. If a refund reduces principal, the reduction will be treated as a. partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrowerwill constitute a waiver of anynght of action Borrower mi~ht have ansIng out of such ·overcharge. 15. Notices. All notices given by Borrower or Lender in connectIon with this Security Instrument must be 10 writing. Any notice to Borrower in connection with thIS Security Instrument shall be deemed to have been given to Borrower when mailed by first olass 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 Apphcable Law. expressly requires otherwtse The notice address shall be the Property Address unless Borrower has designated a substItute notice address by notIce to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's WYOMING. Single F.mlly . Fannie MaeIFreddl. Mac UNIFORM INSTRUMENT VMPS Wollora Kluwer Financial SelVle.. Form 3051 1101 V~P6(WY) (0803).00 Page 11 of 18 ....·0;·''>6... ~:) i.' ~,JI,~ ~; ".-... 111 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 ume. .AI1y nouce to Lender shall be given by delivering it or by mailing it by f11'st class mail to Lender's address stated herein unless Lender has designated another address by nouce to Borrower. Any nottce in connection with thIS Security Instrument shalI not be deemed to have been given to Lender until actualIy received by Lender. If any notice required by tlrisSecunty Instrument IS also required under ApplIcable Law, the Applicable Law requtrement will sattsfy the correspondmg requtrement under thiS Security Instrument. 16. Governing Law; Severability; Rules of Construction. Tills Security Instrument shall be governed by federal law and the law of the Jurisdiction In which the Property is located. AU rights and obligations contained in this Security Instrument are subject to any requirements and hmitauons of Applicable Law. Applicable Law nnght explicitly or implicitly allow the parties to agree by contract or it might be silent, but such sí1ence 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 shall not affect other provisIOns of this Security Instrument or the Note which can be gtven effect without the conflicting proVIsion. AI!. used In this Security Instrument. (a) words of the masculine gender shall mean and include corresponding neuter words or words of the femmme gender; (b) words m the smgular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligatIon to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and ofdus Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used m this SectlOn 18, "Interest In the Property" means any legal or beneficial interest m the Property, mcludmg, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, mstallment sales contract or escrow agreement, the mtent 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 18 sold or transferred (or if Borrower is not a natural person and a beneficial mterest In Borrower is sold or transferred) without Lender's pnor written consent, Lender may require Immediate payment in full of all sums secured by this Secunty Instrument. However, thIS option shaH not be exercised by Lender if such exercl.se IS prohibited by Appltcable Law, If Lender exerCIses dus 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 IS given in 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. expiratton of this penod, Lender may invoke any remed1es permitted by this Security InstnJment without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certam conditions, Borrower shall have the nght to have enforcement of this Secunty Instrument d1scontinued at any time pnor to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other penod as ApplIcable Law might specify for the ternunation of Borrower's rigþt.to reinstate; or (c) entry of a judgment enforcIng this Securtty 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 occUlTed; (b) cures any default of any other covenants or WYOMING - Single Fomlly . Fonnl. Mot/Freddie Mac UNIFORM INSTRUMENT VMP~ Wolt... Kluwor Flnonelal Service. Form 3051 1101 VMP8(WY) (0803).00 Pog. 12 of 16 t(;O&3~(O agreemen,ts; (c) pays all expenses incurred m eD,forcin~ this Secunty Instrument, including, but not limited to, reasonable attorneys' fees, property mspectIon and valuation fees, and other fees incurred for the purpose of protectmg Lender's mterest m the Property and rights under thIS Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under thiS Security Instrument, and BOlTower's obligation to pay the sums secured by this Security Instrument, shall.contmue unchanged. Lender may requlfe that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender, (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are msured by a federal agency, instrumentality or entity; or (d) ElectronIc Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligatIons secured hereby shall remain fully effective as if no acceleration had occulTed. However, this right to reInstate shall not apply m the case of acceleratIon under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or'a partial mterest in the Note (together with thIS Security Instrument) can be sold one or more tImes without prior notice to BOlTower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Secunty Instrument and performs other mortgage loan servtcmg obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, BOlTower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other Information RESP A requires m connectIon with a notice of transfer of semcing. If the Note is sold and thereafter the Loan is serviced by a Loan ServlCer other than the purchaser of the Note, the mortgage loan semcmg obligatIons to Borrower will remain with the Loan Servicer or be transfelTed 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, JOIn, or be Joined to any juchcial action (as either an individuallittgant or the member of a class) that anses ftom 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 req1.11rements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such nottce to take correctIve action. If ApplIcable Law provides a time penod which must elapse, before certam actIOn can be taken, that ttme period will be deemed to be reasonable for purposes of flus paragraph. The notIce of acceleration and opportunity to cure gtven to Borrower pursuant to Sectton 22 and the notice of acceleratIon given to Borrower pursuant to Section 18 shall be deemed to satisfy the nottee and opportunity to take corrective actIon proVIsions of this Section 20. 21. Hazardous Substances. As used in thIS Section 21. (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the followmg substances: 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) "EnVU'onmental Cleanup" includes any response action, remedial action, or removal action, as defined in EnVIronmental Law; and (d) an "Env1fonmental Condition" means a condition that can cause, contribute to, or otherwise tngger an EnVIronmental Cl~anup. ro'~~ING . Single Family - Fannie Mae/Freddie MaG UNIFORM INSTRUMENT Woltar. Kluwer Flnanolal SelVle.. II Farm 3051 1101 )+- VMP6(WY (0803).00 Page 13 of 16 InlUal 0003'í1~ 11111'.1111. I~ 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 m the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in Vlolation 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 preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (íncluding, but not hmited to, hazardous substances m consumer products). Borrower shall promptly giVe Lender written notice of (a) any investigatIon, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party mvolvmg the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Envíronmental Condition, including but not limited to, any spi11tng, leaktng, chscharge, release or threat of release of any Hazardous Substance, and (c) any conditIon caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or IS notified by any governmental or regulatory authority, or any pnvate party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herem shall create any obligatIon on Lender for an EnVlronmental 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 Instru~ent (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 noticet 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, includingt but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shaIl give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of salet and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the salet including, but not limited tOt reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment orall sums secured by this Security Instrument, Lender shall release thiS Secunty Instrument. Borrower shall pay any recordatlon costs, LeQder may charge Borrower a fee for WYOMING· Single Family - Fannia Maa/Freddle Moo UNIFORM INSTRUMENT VMP~ Wolters Kluwar FInancial Sarvlca. ,I form 3051 1101 <+ VMP6(wy) (0808).00 Page 14 of 18 '" nJ'~ 't~"'O'...., f;,'\"iI~)1 ~ , ~ '11. releasing thIs Se«urìty Instrument, but only if the fee IS paid to a tlllrd party for servIces rendered and the chargmg of the fee is pennitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this ~=Ze~- and m any Ride< execu~d by Bono~ïL_ ITH M. HARRIS (Seal) -Borrower (Seal) -Borrower (Seal) -Borrower WYOMING - 81nola family - FannIa Mae/F,addla Mac UNIFORM INSTRUMENT VMp® Wollars I<luwar FinancIal Sarvlces (Seal) -Borrower .Wk x,dlwL (Seal) -Borrower DEBBIE L. HARRIS (Seal) -Borrower (Seal) -Boxrower (Seal) -Boxrowm: InlUals, I~ Form 3061 1/01 t VMP6(WY) (0803).00 Paoe 16 Dr 16 It ,..0" ~""'1"'" t\, 'l~ '-'t ~ Ú STATE OF WYOMING, LINCOLN County ss: This instrument was acknowledged before me on APRIL 20, 2009 by KEITH M. HARRIS AND DEBBIE L. HARRIS My CommIssion Exptres:¿;22Þ6 /020 / / ~?ø/ LORI KALAN - NOTARY PUBLIC COUNTY OF STATE OF LINCOLN WYOMING My Commission Expires Feb. 26, 2011 -. :>.~".-~-,..."-......,...-...........--....~:<!....,~"-""'-~ Notary Pubho Title (anti Rank) ~ ~(IßJ MJê /'" WYOMING. Single Family. Fannia MaalFraddle Moo UNIFORM INSTRUMENT VMPQ!l Woltars Kluwer FInancial Servloe. l~ Form 30511101 )tr VMP6(WY) (0803).00 InlUal , Page 18 or 18 -- tfb. î> 3 ~":1 i'l (¡,J 'U' ~J tI. I "':t.: 1'1l1'li'1'1, JI. Exhibit A File 6010917627 Description The land referred to in this document is situated In the State of WyoDllng, COl.U1ty of Lincoln, and IS described as follows: A parcel ofland located in Resurvey Tract No. 45, Township 25 North, Range 119 West ofthe 6th P.M., Lincoln County, Wyoming, being more particularly described as follows: BEGINNING at Corner No.1 of said Tract and running thence South 0014'56tt West, 355.89 feet along the East boundary thereof; thence North 89°46'00" West, 611.94 feet; thence North 0014'00tt East, 355.89 feet to a point on the North boundary of said Tract; thence South 89°46'00" East, 612.04 feet along said North boundary to the POINT OF BEGINNING. It~~