HomeMy WebLinkAbout872910After Recording Return To:
Land Title Company
P. O. Box 651
Jackson, WY 83001
Loan No: 190017673/6818649
872910 01 APR 26 PH 2 :35
JE1 N is aN :R
KEMMERER. WYOMING
(Space Above This Line For Recording Data]
MORTGAGE
Borrower is the mortgagor under this Security Instrument.
(C) "Lender” is First Bank of Idaho
RECEIVED
LINCOLN COUNTY CLERK
BOOK 463 PR PAGE 28
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in Sections 3,
11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in
Section 16.
(A) "Security Instrument" means this document, which is dated April 24, 2001
together with all Riders to this document.
(B) "Borrower" is
Phyllis Ann Crockett, a single woman
Lender is a
organized and existing under the laws of
Lender's address is P. O. Box 12860
Jackson, WY 83002
Lender is the mortgagee under this Security Instrument.
(D) "Note" means the promissory note signed by Borrower and dated April 24, 2001
The Note states that Borrower owes Lender One Hundred Eighty Six Thousand Six Hundred Seventy Five
DOLLARS and Zero CENTS
Dollars (U.S. 186,675.00 plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full not later than May 1, 2031
(E) "Property" means the property that is described below under the heading "Transfer of Rights in the
Property."
(F) "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.
WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 (A) Page 1 of 13 Initials:
•luawnJ;sul ,ill.tnoaS sup Jo /pue aloN au; Japun suona lqo s,Jamo1JOg pawnssi seq ,spud 1141
lou 10 Ja4 ;agnn `Xl1ado1d aq1 01 app ua3191 seq ;zq; Aligd Aua smarm „Janno.Jog ;o ;sa.ialui ul Jossaaans„ (a)
'VdS12I Japun
„uuol aguSpow palatal ijla.1apaJ„ a sa XjTlanb lou saop uao-1 aq; jt uana „uaol aReSpow palalaJ XllaJapa3„
e o; p1USaJ It! pasodwr 0Ja 1141 suopoLJlsaJ pua s;uatuallnbal lle of sJaJaJ „ddSgl'„ `luawnJlsul 'Cluno°S
still u! pasn sy •Ja1l9w loafgns awes ow su.tano5 lull uoLlpinSa1 10 uollelstgal Jossaoons Jo l9uotltppa ,Cue Jo
'awl 0l auul woJ3 papuawa aq 14!m /Ca41 se `(005E 1-Ted '?I'd's bZ) X uotlulaal' `uopuinSai 2urluawaldwr
slr pue (•bas la 109Zg 'D'S'fl ZI) PV saanpaoo1d luatuall10S a1Ulsg real' alp sueaw „ddSg2L„ (0)
•luatunIlsul XItInoaS sill Jo uopoos Japun slunowa ,iue (rr) snid `aloN
all Japun lsa.talu! pue ludiouud (i) Jo3 anp lunowt palnpalos ,CjJalaa1 041 sueaw „luetuAed a>ipol.tad„ (N)
•uaoi
0141 `uo llnU3ap 10 JO luawXUduou 0141 lswuRe Japua-1 utloaloid aougJnsut sueaw „aaueunsui 32e3;JOy4I„ (JAI)
•X1Jado.d alp J0 uo1l►puoo
10 /pue omen 0141 `01 se suo!SStwo 10 `3O SUOI luasaidoistw (Al) .10 `uolleutuapuoo JO non u► 0011aA0AU0O
OH) `,ii.adoid 0141 JO 1Jed Ale .10 llt JO dut)lal Ja410 Jo uopeuwapuoo (lt) `,Cpado1d 0141 `Jo uorlonalsap Jo `01
aawap (r) :Jo; (s notloaS U! paquosap sau.tanoo 041 Japun mud spaaooad aougjnsut utgl .10420) ,C1Jed pl1gg iiue
,Cq pied spaaoo.td Jo `sagetuep jo Nunn `Iuawal;las `uotlesuadwoo /WE sueatu „spaaaoid snoauellaasm„ (Z)
uotloaS ut paquosap oiU lull sw011 asog1 sueaw „swa;j MoJasg„ (N)
•s1aJsuu1l asnogputnal0 paluwolnz pue `s1aJsue1l 01!m `auogdalal ,iq pa1Utltur SJaJsut?J1 `suoUoasUUJI
aurg0utu Jallal paluuaolnu `s1a3SUUJl alas 3o -lurod `ol pawn!! IOU sl lug `sapnlout tuma1 tons •lun000u
ua 1!paJO Jo ilgap of uorinlrlsut ltlouaug u azUJOginu Jo `1onllsul `Japlo 01 se os adul ollau2aw Jo `Jalndwoo
`luawn1lsur oiuogdalal `leurw1al oruo1loala ue gBno141 paler;wr sr 40r4m `luawnJIsut Jadud minus Jo `gulp
Sloago ,Cq paltu►S'!JO uotloesueJl a 9041 Ja410 `spun] Jo JaJsuaJl ,cue sueaw „Jajsuei j, spun atuoilaalg„ (p)
•uorl2zruad1O J9l1w►s 10
uorle►oossu s.taumoawoq `uolletoossu wntutwopuoo e Aq x1Jado.d 041 J0 JamOJJOg uo pasodwr 019 29143 S0 JU4o
Ja4;o pug sluawssass9 `saaj `sanp l)9 sueaw „sluatussaSSV pue `sa9g `sang uopelaossd ,f;lunwutoJ„ (1)
•suoruido leiolpnf algeleadde -uou
'mug algeoi dde Liu se Ham se (met 3O 10ajja all anal 1941) sow pue Saln1 ani19J1s!utwp9 put saoueu►plo
`suotl9lnBa1 `sainlels TTool pue awls 'pop; algeorldde Swllo1luoo Ile sueaw „nterj algeallddy„ (H)
10prl' /iltwEd b I
Japil' mot{ puooaS
RR
'slel1lul ;O Z abed 60 /L 190EVWNd #Id1
999E (009) '3U swioA Jase1
1.011. 490E WJOd
1N31AIf I1SNI W210itNl aew elppaJjfaeweluueA iJlweJ el6uIS ONIWOAM
Jap12I 'd'A
Japrl' luawdolanaU l!url pauuUld
Japrl' wniuiwopuoJ
[kr►oads] (s)10430 n
JapRI luaw/C9d ,CPP100mrg
Japil' uoolleg
Japtl' al9l' algelsnfpy
[algeoildde se xoq 3loago] JamoIJOg ,Cq palnoaxa aq 01 alt slaptl'
utmolloj a4j •Jamo.uog Cq palnoaxa 019 lull luawn1lsul /Cl!JnoaS st41 01 slaP12l Hu sueaw „sJapm„ (0)
US7 91O
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 under 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 sale, the following described property located in
the of Lincoln
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
Lot 102 of Nordic Ranches Division No. 7, Lincoln County, Wyoming, according to that plat filed May 8,
1996, Instrument No. 819461, Plat No. 311E.
which currently has the address of
1163 Saddle Drive
[Street]
Etna Wyoming 83118 "Property Address
[City] [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also
be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
"Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the
right to mortgage, grant and convey the Property and that the Property is unencumbered, except for
encumbrances of record. Borrower warrants and will defend generally the title to the Property against all
claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 3555
LFI #FNMA3051 1/01 Page 3 of 13 Initials.
of pue sluawAed gons axew o1 U01105ngo s,1OMO110g allnboJ Aew Japua'l sg pouad awn gons ulguM luawAud
gons gu1OUOPlna sldraoai Japua'l 01 gsluln3 Hugs `sannbai lapua'l 31 'pug .rapua-1 Aq pan!um uaaq set' spun
jo luawAud gO1iM .io3 swan Mo.OSg Aue Jo3 anp slunowe all 'aige,Cud a.iagM pue uagM `A11oanp ,Cud pegs
JaMOJJOg `JanlgM gons 30 loan° 041 Ul iuinJM UT all Atuo Aew .Ian1LM gons Aud nun Acre le swan MOJOSa
[[e Jo Aug 103 spun lopua'I Ol Aed 01 uo ugllgo s,JaMOJJOg anllM Amu Japua'l •swan MOJOSg llg Jo Aug
.103 spunj alp Aud Ol uoilugtigo S,10M011011 SanitM Japu0'l SSalun swan MOJasg 103 spun3 aq1 Japua'l Aud hugs
JaMOJJOg •uol2OaS s141 Japan pled aq 01 slunowe 3o saollou ire npua'l 0l gsluln3 Ajldwoid dugs JaMaIOg
wan mama uu all Hugs SIUaussaSS2 pug Saa3 `sanp gons pug `JaMOJJOg Aq paMOJasa aq `Aug 3! `sluawssasSV
pue `saa3 `sang uoneroossy AllunwwoJ 10 allnbai Agw Japua'l 'ueo'l ag1 3o unal alp guunp own Aug
le J0 UOr2eul410 111 swan MoJOsg„ pale° 01g Swab Os011 •01 uOl1OoS 3O SUOiSIAOJd a41 41tM 0Ouup1OOag
w swniwald aouelnsul aguSpoypi jo 1uawAud 041 3o na4 u1 Japua'l 01 JOMOJJOg Aq alquAi d scans Aug Jo
`Aug 3! `swniwaad aouulnsal agggpoj, (p) pug :s uolnoas Japan Japua'I Aq pannbai aOUglnsul 11e pug Aue 103
swniwald (o) `Aug 31 `Alaadold alp uo SIUOJ pun01g 10 s1U01Aed plogaseai (q) :Alladold 041 uo aoug.Igwnoua
JO crag g Sg luawnisul Animas S!41 JOAO Ali10r1d Ulgfe uga go14M swan 1°410 pug sluawssassg pug saxgl
(g) :nu anp slunowe jo 1uawAed Jo3 apinold 01 „spun3„ alp) cans e '11n3 ul mud s1 glom am. 'nun `glom a41
Japan anp 0JI SluawXud OlpOl10d Aep 041 uo Japua'i Ol Agd Hugs 10M011og 'swan Mo.Iasg ao3 spunrj
•slum /Cud orpo!Jad alp jo `lunowg alp aguugo Jo'algp anp alp auodlsod JO pualxa loo Hulls glom
alp Japan anp ludlouud 03 spaao0ld snoaug1aOS!JAI 10 `spaaoold 0ODU1nsui `sluawAud 30 uoileO11ddu Auy
•010m a41 ul paquosap Sg 0041 pug saJe4O luawAudaJd Aug
01 lug palldde aq hugs sluawAedaid A1g1un1oA anp sagiggo alel Aug of paiddu aq Aew ssaOxa gons 's1uawAed
Olpouad slow Jo auo 30 luawAud 11n3 041 01 paliddu si luaw1ed 041 Ja3Ju wpm ssaOxa Aug 1041 lualxa
043 01 •IIn3 Ul pled aq ugO 1uawAed gOga '10 lualxa alp 01 pug 31 S1Uawied Olpouad alp jo luawAudaJ a41
of JaMOJJOg won pantaoa1 luawAed Aug Aiddi Agw J0pu0'l `gulpuglslno Si 1UawAed Otp0Uad auo U141 wow 3I
•aglego am 041 pug 1uawAgd luanbuliap alp of palldde aq Auw 1uawAgd 041 `anp OMJgtO 01eI Aug ad 01 lunowg
1u01oI3ns u sapnloul gown IaawAud Orp0uad luanbutlap g Jo3 1OMO11011 won luawAed a sanlao0l Japua'l3I
.glom 04130 aougreq
ledloulld all aonpa1 01 0041 pug `luawn1lsul A1lamOas s141 Japan anp wino= 1a410 Aug o1 puoOas 'sa1e4O am
01 1s1g palldde aq Bugs slunowe gUlulgw0l Auy •anp aw0Oaq 1! 4oi4M u1 JaplO 041 ul 1uawAud Olpo!10d gaga
01 pa►1ddo all Begs sluawAed gons uotloaS Japan anp wino= (o) '.a10M a41 Japan anp tediouud (q) `aloN
alp Japan anp pampa! (o) :Aluoud 3o JapJO gu1Mo11o3 041 ut palldde all hugs Japua'l Aq paliddo pug palda0O0
s1UawAgd lie `Z uol2Oas sigl ul paquosap astM1041O su ldaoxg •spaaao.id Jo slaauiSnd 3o uol;eallddV •z
•1Uawrinsu4 An1nOaS si41 Aq pa.Inoas s1Uawaal3e pug sluguanoO 0412ulw1o31ad Jo Iaaww1sul
Animas s141 pug aloN 041 Japan anp sluaWAed gal lea wag 1aMOUOg annual pugs Japua-1 1sulggg alnln3
al{p ul Jo Mou ang4 1ggtw JOMO11Og gOi4M w!eiO 10 1as330 Of •alnsoloalo3 03 Jo1Jd Alalglpawuil atom 041
Japun 0ouuleq iodlouud gulpuuls1no alp of palldde all i1!' spunj gons `1011100 palldde 1ou 3l •JaMO11og 03 map
wn3a1 10 spunj gons Aiddo 1at'mla Begs lapua'l 'awn 3o pouad aigouoseaJ 0 ut_411M os op 100 sanp JOMOJJOH
3I •1ua1Jn° ugo'I a41 &lull o1 luawAed Sa3lgu 10M011og 'pun spunj palfddoun gons ping Aew 10pua'l •spun3
palddeun uo 1s01alur Agd 1ou paau Japua'l uagl `alOp anp parnpa4OS s11 3o 50 patidde st 1uawAud Olpollad
4oua 3l •pald0oog 0Je sluawAod gons awls alp to sluawAgd gons Aiddo 01 palugllgo 1ou st Japua'l lnq `alnln3 041
ut swam/cud lg111ed Jo 1uawAed gons asnjal 01 s1gSU sll 01 OOtpnfaJd Jo lapunOJa4 s14g!J Aug 30 JanrOM lnognM
`1uailnO ug0'l 041 Euuq o1 1uarOg3nsul 1u0wAed mixed Jo 1uawAud Aug ldaooe Auw Japua7 •1ua11no uuo'l
a41 guuq o1 1ua!Ot;3nsul ale sluawAgd lgu.od Jo 1uawked alp 31 3UatuAgd 101110d Jo luawAed 'cue u1n1a1 Am'
Japu0'l •S1 uot3Oas ul suolsiAOJd 001100 al{1 g1iM aougplooO0 ul Japua'l Aq palguglsap aq Agw su uollgool 10410
ions 10 Jo atom 041 ut p010U !sap uollgool 043 1g pantaoa1 ua4M Japua'l Aq pani0Oal pawaap ale S1uawked
•1ajsuulJ spun3 Oiuo12Oalg (p) !Alllua
Jo 'AnIeluawnIlsul `AOUage lglapa3 e Aq paJnsul al0 sllsodap aso4M uontnnsu1 ue uodn UM01p s1 3100140 'ions
Aug papinold 'rap s,1ai4s0O 10 3lO04O S,JaJnsua1l 'raw 3luoq 'raw pagl10O (o) `Jap10 Aau0w (q) `.gsoo (e)
:Japua'l Aq pa1Oalas se `sw1o3 guiM0lio3 alp jo slow Jo auo ul apgw aq Iuawwlsul AlunOOs S!41 pug atom a41
Japan anp sluawA0d luanbasgns f10 JO Aug 1041 aiinboi Agw Japua'l `pledun Japua'l 01 pawing.' s1 luawnJIsUJ
AlunoaS s141 10 glom 041 Japan 1uawAud su Japu0'l Aq pantaoa1 luawwlsul 10430 Jo ratio Aug 31 `JanaMOH
•AOUaUno u apgw aq 1104s luawnIIsUJ A1rinoaS sf41 pug glom 041 Japan anp sluawAud uolloas
of lugnslnd swan Mo1OSg 103 spunj Aed Oslo Hugs 1aMO11og •03um 041 Japan anp sa2lugo nle1 pug saglugO
1uawAudald Aug pug glom 041 Aq paouaptna leap a41 `uo 1salala[ pug `3o ludtouud 041 anp ua4M Aed Hugs
10M011011 •saa.cega awl pug 'sa ingD luaulCedaid 'swan MO.losa '1sa.ia3Ul 'ledpul.Id 30 luatuSed
:SM01103 SO 00120 pug nreuanoO Japua'l pug IaMOIJOU S1MVNgAOJ yARIOdINIl
06Z
:sleplul E4 ;o y e6ed
1.0/1. 1.90£VWNM #1d1
9999 9VV (009) 'out suuod Jese1
4014 490E WJOd
1N3Wfla1SNI W21OdINf1 oeVll elppai j /enweluued IIlwed a16u!S ONIWOAM
OTCZLSO
291
provide receipts shall 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 the 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 Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow
Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall
pay to Lender all Funds, and in such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) 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 Escrow Items or otherwise in accordance with Applicable Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality,
or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home
Loan Bank. Lender shall apply the 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, annually analyzing the escrow
account, or verifying the 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
requires interest 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 in writing, however, that interest shall be paid on the
Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by
RESPA.
If there is a surplus of Funds held in escrow, as defined under 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 Lender the
amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly
payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify
Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the
deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to
Borrower any Funds held by Lender.
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, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this 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 performing such agreement; (b) contests the lien in good faith by, or
defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the
enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or
(c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this
Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain
priority over this Security Instrument, 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 reporting
service used by Lender in connection with, this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire, hazards included within the term "extended coverage," and any other
hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This
insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender
requires. What Lender requires pursuant to the preceding sentences can change during the term of 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 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 determination and certification services and
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI. #FNMA3051 1/01 Page 5 of 13 Initial 'J�
6 ("3
•sle1liul 116 ;o 9 abed tat t90£VwNd Id1
SS9£ (008) sWJod JeseI
601E 640E Wloj
1N3WfRJLSNI W2JOdINf1 oeW etppai /anyeiuueA I(gWej ei6uIS ONIWOAM
o; lurnsind paulwlalap s► a ssaiun •uou!puoo slr 02 anp amen U! 5uisgaloop .lo Vuuriolionp wo1J ,Clladoid am
luanald 02 Jap.io ul ,Cpado1d am. uleluirw Hugs .IaM0 jog `,ipadwd alp u! utp!saa s! Iamo110g loo Jo aaglagM
•,C11adoJd a41 uo alsgM uwwoo Jo ale.iorianp o1 ,C iodoid a41 Moire `,ilaadoad ag1 in dun .lo arwup ',Catnap
lou imp Iamollog •suo! ;aadsul :,i ;aadoid a Jo uol ;0a ;0.[d pur eaueua ;ulrl,&l `uol ;gnlesald •L
1°1111°0 S,10MOIIOg puo,Caq OJg 40!4M
lsrxa s00uenwnol'o ujlenualxa ssaiun zo `pragglrM ,cigruos11alun aq lou jp qs luasUOO golgM `aufluM U! Saaar
asiM.raglo Iapua7 ssajun `XouBdn000 jo o p am lour ma,( auo lseai lg Ioj aouaptsa.t judlouud s,.io cxuog
se ,clladoad am ,idn000 o1 anulluoo 11t?gs pug luawn.rlsuI ,Culnoas sr41 Jo uollnOOxO am nip Si Cup 09 urglrM
aouap!sa.l iudlouud s,aaMo.1.log sr ,Claadoid a41 asn pue `gslrquisa `,idn000 ii11gs .IaMOJ.OH •,fauednaa0 •9
•anp U041 loU Io IaglagM luawna2SUI ,ilun0as
sigl Jo alol`r am °pun ptudun slunouz>? ,Cud of ao ,cuado.1d 041 0101s01 .zo Ireda1 02 aaqua spaaoold aourinsut a (T1
asn Sum aapuai •,clladold aql jo a5BJan00 am 02 alquolyddr an s24$iJ gons s11 .zujosu! `,ilradoad O (T1 Supano0
sarotrod azuu.lnsui irr .iapun (.laMo.uog ,Cq pwd suznlma.td pau.ruaun jo punjol Sur 01 1g5uu am Imp Iaglo) s1g5r.1
s,Jamoalog 3O .lag1O ,Cur (q) puu luaurn.rlsul ,C11Inzas 5141 .to aloN aq; .spun prudun slunowg am paaoxa of lou
lunowr ur u! spaaooad aDugansul ,Cur of si4SU S,.iaMO.uOH (r) .rapua-I o; su5tssr ,Cga.laq IaMOlaog `asLMla41O
JO ZZ uo'loas .tapun ,C2Jodo.1d x41 sa.unbou Iapua-1 j! JO 'mono Iaglj0 uI •uanl2 sl ao!lou a (T1 Ua4M u!Sag
I!!M pouad ,Cup -0£ am, •wrero alp aillas pur anuoRau Sum .rapua-I tram `I mrmo r alms 02 paaajjo sm.! Jarmo
aOUrinsut x41 imp Iapua-1 wolf x0!!011 u 02 s,Crp 0£ U1411M puodsai IOU saop 1aMO1IOg 31 •saallrw panto.'
pug wlrro aOumnsu! aigritrnr ,Cur ajllas puu alrllaau `alg Sum .lapuo `X .ladoad 041 suopuuqu IaMO11Og 31
•Z uolloas ur Ioj papino.1d Iapio 041 ui pagddr aq mugs spaaooad aour.msut clans •IaMOIIoH
01 prrd `Sur 3l `ssaoxa atu 411M `anp uagl lou lo Iayla4M `111awn11sul Si!Jnoos slgl ,Cq pampas sums am
o1 middy aq hugs spaaoold oouBlnsui aql `pauassal aq prnoM ,cu.moas s,iapua-1 s0 ajgls11aj ,Crrro!ulouooa 1011
sr .ngdai 10 uo111olsol am Jr •IaMOIIOg jo uollaiigo Nos agl aq Hugs pug spaaooid aOurinsui am Jo 1no pled
oq 10U iirgs IaMO.uog ,Cq pau!8la1 'sound p.ng1 .halo Jo `sialsnfpu oljgnd Ioj saad •spaaooad gons uo auiu.tea
so ISOIO1ul Sur aamo11og ,Cud 01 paambai aq lo1 !jugs aapua-I `spa000ld OOu111nsu! gons uo pIrd aq 01 15010111!
saalnbal Mgr' ajggolrddd JO 2uppm u! opal' s► luawa01a11 ug ssajun •palaidwoo s! 3jl0M am sr S1Uaw,C11d
ssaaold jo sauas u ul JO luaul,Cgd 0j5uls u ur Uo'18IoISOI pur uncial am 10J spaaoold asingslp ,Cguz .1apua-I
•,Cildtuozd uaNevapun aq jays uolloadsur irons imp papino.ld `uouorjsurs s,1apuo o1 palardwoo uaaq srq
)IJOM am man 01 ,ilaadOld gons loadsu! 01 ,cuUn110ddo ur prg sal IOpua1 jllun spaaooad aourinsul gons plot!
01 142!1 a41 anr4 Hulls .rapuai `polaad uol1ra01saa pug .nrda1 (Tons 2uunU •pauassaj 1011 sr ,C1un0as s,1apuaJ
pur algisroJ Suro!urouo0a s! .rrgdaa .'o uo1111IOISOI aq1 3l `,il1adold am Jo ItBda1 Jo uo11rI01saI 01 middy
aq Hugs `1apua-1 Cg paambal sum optimal! ut,Claapun 041 1011 JO 1agla4M `spaazold optimal! ,Cur &UT1uM
ul 001211 0S!M10410 10MOIIOg puu Iapua' ssalun •IaMO1a0g Cq Xildtuoad apruz 1011 3l Ssoi Jo jooad aNgua
,Cam Iapua' •Iapua7 pug 1ar11B0 OOUgansur am 01 aMi10u lduzoad anl5 jig (Ts IOMOII0g `SSOI JO 111OAO 041 111
•aa,igd ssoi lBuo!uppg ur se Jo /pug aage5pow
su Iapual awgu hugs pug asnejO aWlaoui p111puE1s 11 apnjou! 'rugs ,Coljod gons `,l1adold am `Jo uollOnalsap
Jo `01 0 11W11p Io3 `1apua7 Sq paambaa as!maaglo lou `aa111ano0 optgmsul jo waoj ,cur sulelg0 IOMOLIOH
3I •saOtlou !maim' pug sumluzaad prrd Jo 51d10001 !ir aapua' 010nl$ ,ijldwOld Hugs aaMOaaog `saarnbaa lapua'l
Jr •sa180g!IO0 Irmauaa pug sar0liod am plug 01 14 1J am on114 imp 1apua-1 •aa,i11d ssoj ituoWppr Ug su 10 /pug
aarSl10W sr Iapua' 0111r11 HMIs puu `asnrio a$BRllow plupurls r apnjou! !rags `sa1011od gons anOldduslp 01
14511 s,IOpua' 01 ;0afgns aq !legs sat0!lod gons jo sirMaUOa pur aapua-I Sq palmbal sa!otjod 00U111nsu! UV
•1uaw,Crd
5ufsanbal 10M0110g 01 Iapuarl wo1j a0l1OU uodn `isaaalu! gons 41iM `ajqu,Cud aq Hap pug luamasangslp Jo
algp am aim alg1 O4ON 042 111 1sa103U! Iraq ijg4s slunowg asag" 1Uawn11su1 ,Cltanoas sup Sq pampas 10M011og
Jo !gap i11uollrppe awooaq ijegs g uollOas 5141 Iapun Iapua7 Sq pasingslp 5111n0w11 ,Cud •paurelgo an114
moo IOMOIIOg 111 optimal! Jo 2500 am paaoxa ,Cj1U110gmais 242!1U paurglgo os a2uaano0 001111115111 041 JO
1500 041 11141 sa2palMOUii011 IaMOIIOg •10ajJa ui ,Cjsnolnald SEM Uu41 0Selan00 Iassai 10 1a111a12 apinoad 1g5!w
pug Sququlj 10 prim! `Nsu Sur lsmar `,C11Odo1d am Jo 5!11x!1100 x41 10 `,illadold 041 U1 ,Clmba S,IaMO110g
`1aMO11og 100101d loo 1 (T$!w JO 145!W lnq `1apua7 IOAOO !lugs O5111an00 (Tons `aaoJa1ag,1, •02111Ono030 lunowu
JO ad,C1 arinolllud Sur asogoand 01 uoll11Sggo ou Iapun sr Iapua1 •asuadxa s,IaMOIuoH puu uolldo s,lapUa7 111
`aRraano0 optimal! ul11lgo Scum Iapuai `anogr paquaosap sa2111ano0 a (T13o ,Cur Urululuw of sum IaMOIIOg J1
Iamoalog ,Cq uolloafgo 1111 wo13 UI2jfSa1
u0tlgulw1alap auoz poo13 ,Cur JO malnal ayl 43!M uo1l0auuoO 111 ,Couay luawagrumAi ,(0110 10UJg lulapa4
041 Sq pasodwl saaj Sur jo luaw,Crd x41 aoJ arglsuodsal aq oar !jags IOMOIIOg •uo11110g11100 a0 uollrulwaalap
tons 10x33' 142!W ,iigouosuaa 4014M 111000 sO2UOgO "rump 10 s2uiddowal awl1 40110 sa2iogo luanbasgns
293
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
restoring the Property only if Lender has released proceeds for such purposes. 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. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property,
Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable
cause, Lender may inspect the interior of the improvements 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, 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 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 attain 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 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
bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make
repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or
other code violations or dangerous conditions, 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 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 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.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If
Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees
to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the
Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage
substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the
cost to Borrower of the Mortgage Insurance previously in effect, from an alternate 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 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
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 Page 7 of 13 Initia
stgl Aq paanoas scans alp o; patidde aq Hugs spaaooad snoauljposHN aq; &1!giM ui 0oa81 aS1Maagl0 lapual
put aaMoaaog ssaiun `amen ut ssol ao `uol.ona ;sap Ierlaed aq; aaojaq ,Cla ;etpawwl paanoas scans a42
30 2unowl ay; uegl ssal s! an1en Lit ssoi ao `uopon. sap ierlaed alp aloJaq Aja;nipawwi Apadotd aq; jo
omit ;ovi um aie3 alp yot4M u1 Alaadold aq; jo amen Lit ssoi ao `uolponpsap `8upj11 iepaed 13o ;uana a4; u{
•aaMoaaog O; pled aq Heys aoueleq Amy amen ul
ssol 40 `UOpongsap `211ml Iepald ay; aaojaq Ala2elpawwl Apadoad ay; 3o amen ale3 aq; (q) Aq paprnlp
amen ui SSOJ 10 `uot ;ona ;sap &1!)lu2 j1naed ay; aaopaq Aia2elpawwi paanoas scans a4; jo unowe 'um aqz (1)
:uoppea3 uinnojo3 ay; Act paltdiljnw spaaooad snoauEHaos►IAI alp jo lunowe ay; Aq paonpaa aq Heys .uawna2sul
Spanoas sIg1 Aq paanoas scans alp `8uphJM ui aaa8e astMaag1O aapua-I put aaMoaaog ssaiun `amen u► ssoi JO
`u0ponalsap `8uD111 ie►;.ied alp alojaq Ap111pawwl luawnaisu{ Alunoas s1g1 Ag paanoas scans ay; 30 lunowe aqi
0141 as ;eaa 10 01 ienba si amen ut ssol so `uoponl ;sap leaped ay; aaojaq Ala.elpawwl Alaadoad 04130
amen 20)1ew 1113 041 4014M Lit Ayradold ay; 3o amen Ul ssoi a0 `UOpona ;sap `Supiul lep.ted jo Juana agl ui
•aaMoaaog o; pied `Sur
31 `ssaoxa ay; 421M `anp U042 200 ao aagla4M `;uawna;sul A;tanoas sty; Aq paanoas scans ay; o; potlddl aq Heys
spaaooad snoaueilaosIJ ay; `Apadoad 042 3o amen ul ssol a0 `uoponl ;sap `Sum; je ;o; 1 Jo ;Liana ay; u{
•Z uopoas
w 103 papinoad 1apio a4; ul paliddl aq Heys spaaooad snoauellaos1J, gons •aaMoaaog o; pled `Aue 3l `ssaoxa
ay; 421M `anp ua42 1ou 10 1a4;a4M `2uawna2sul Aillnoos Si42 Aq paanoas scans aq; o; patiddl aq ins spaaooad
snoaueliaosHAI ay; `pauassal aq mom A2unoas s,lapua'l 40 op:0204 ,Clleoiwouooa Iou sl gudaa ao uoi1eJo2saa
04131 •spaaooad snoauejlaosm lions uo SButuaea a0 15010201 Aug aaMoaaog ad o; pallnbaa aq 200 Heys aapua -I
`spaaooad snoau1Haosm gons uo pled aq o; ISaaalut saatnbaa Me'I ajgeoljddy a0 8UTIJM u1 spew s1 luawa0ae
Lie ssalun •paiaidwoo sl 3j4oM 041 se sluawAed ssaaoad jo salsas a u1 JO luawasangslp aj&ls a ui uotleao ;sal
pue s.iiedaa ay; ioj Aed ,Cew lapua7 •Apdwoad uale;.iapun aq Hugs uoilpadsul gons 1141 paptn0ad `uogpejspes
s,aapua-I o; paiaidwoo uaaq seg 311oM ay; aansua 01 Apadold gons padsui o; Apun2aoddo uu peg sell aapuo
iplun spaaooad snoaueiaosHAI gons pjog o; 14210 041 0ne4 Hugs a0puar{ `popad u0feao ;sal pue aiedaa gons
2uianQ •pauassal 2ou 51 ,C111noas S,lapu01 pug ajgtsea3 Alleouwouooa si atedaa ao uoileaolsal 04131 `Apadoad
all
jo aiedaa ao u0t1ea01saa o; paijdde aq Hugs spaaooad snoauejjaosm gons `pa8ewep si Alaadoad ag131
•aapua- o; pled aq pegs pue o2
paU8isse Agaaag aa1 spaaooad snoaueHaosiJ/ IIV •aan ;laJa01 spaaooad snoaugllaasry(I jo ;uawu2►ssd •II
•uol;eulwaa ;ao uopullaauea mans jo awl; aq; ;e pauaeaun aaaM;uq; swnlwaad eaunansui a2n8 ;aoytI
Aim jo punjaa a aniaaaa o; lo /pun °AHeai ;ewo;ne pa ;nulwaa; aaueansul a2I poltI aq; aneq o; `aaueansul
a8e2 1aol,I aq; jo uol ;ellaaueo un ;qo pun ;sanbaa o; `saansopslp ule;aao aniaoaa o; ;qua aq; apnpul
Sew s;g2ia asagJ •AteI aaq ;o Sun ao 8661 Jo ;ad uor ;aa ;oad saaun+oawoll aq; aapun aaueansul 0203 ;aoytI
aq; o; padsaa q;L4t Sun 3i suit a0t%o.uo11 s aq; paw ;on II[M s;uawaaAn gans Suv (q)
•punJaa Sun o; aaMoaaog al ;tpua ;on lllAA Aaq; pun aaueansul a2n2 ;aoltI aoj aMo
[pm aaMoaaog ;unown aq; aseaaaui ;our Minn s;uawaaaae gans •unoi aq; jo swag; aaq ;o Sun ao aaueansul
a3u2llopj ao3 iced o; !man seq aanoaaog Imp s;unowe aq; ;aa3ne ;ou ll►M s;uewaaAe gans Sud (e)
:aagpnd „•0oueansuiaa anfdlo„ pawls; 00130 Si luawa8uelae ag. `1010501
011 01 Pi1d swntwaad ay; 3o antis 1 003 auegoxa ui )jsta S,1a1nsul 012 3o antis a sa)jel aapuarl 3o ammo
Ue 2142 sop!Aoad .uawaaa u gons 31 •sassol 8uionpal a0 `)IS1a S,aaansui 081 pow ay; BurA3lpow ao 2ui1e4S
103 a8u1g0xa u1 `aaueansul 05uSpolsI 103 S2uawhd S,aaMOaaog 3o uolpod 1 (se pazl1a ;o111go aq 248!w ao) wag
anlaap 1182 wino= (Apoaaipui .10 Apoaltp) 0020002 A1w &u!o304o3 01130 Au13o alumu1 Au1 a0 `A2i2ua 104.0
Aue `aalnsutal Aug `101nsul 1at{1oue `a2oN 041 jo Jasugoand Aue `10puarl `sluaw0a1Re asa41 30 llnsaa e sd
•(swniwaad
aaueansul a1811OIAI w013 paulnlgo spunj apnjour Aew gown) amglirenu 0014 C w aaansui aSuSpow ay; leg.
spunj 3o aoanos Aue 8uisn s2uaW, d a)I1w o2 .aansul a2e8laow a42 agnbai Aew sluawaa18e 0Sa41 •s2uawa0121
asa42 01 (saplud so) A2a2d 10110 a41 put 1alnsui aS1811ow alp 02 A1o2oejs1.es 012 ;141 suoplpuoo pue swaa2
140 011 Sluawaaa8e magi •sassoi aonpal 10 `)jsp a!a41 A31pow aO 01145 1241 sauced 10410 421M s2Uawaa1Sl 0.u!
a01110 Aew put `awjl o; awl; wag a0ao3 ul aoueansul gons ire uo )Isla 11201 .11041 a ;enjlna slaansui 05e521oIAI
•0oulansui a5u2pow all 02 Aped e 2ou St 1aMO.uog •p001 i3 se ueo-{ aye St dal swop 1aM0a1og31 moul
Amu 11 sassol 0112100 103 (alo11 0141 sasegolnd 1241 Alpua Aue 10) a0PU0'i sasangwio1 00ueansu{ a8e8210IAI
'01o11041 0! papinoad 0121 041 11 Isa102U1 Aed o1 uoi1aljgo S,1aMOaaog sloa33 OI UO11oas s141 ul 8U14101\I •MwI
ajgloilddd Aq paarnbaa sr uor11U1waa1 H1un 10 0Op2u!w1a2 gons 003 8uipino1d aapua-I pue 10M011og uaaM2aq
1u0waaae ua22uM Au1 411M a0uep1000u ui spua aaueansul a8e2110JAI ao3 IUawaainbaa s,aapua1 !pun `anlasaa
ssoi alqupunjai -uou 1 apinold o2 JO 'Papa ul aoullnsul a8e821oJ ul11ul1w o1 pagnbaa swniwaad all A1d
176E
IeR!ul I. do g eBed LO /i i9OEVL NJ #ir1
999£ (008) 'out swo j iasel
1.0/1. 1.90£ uu0d
IN3Wf12ilSNI WiOJINf1 oeW elppeaj /eeieluuej k1!Wed a16u!S DNIWOAM
Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing
Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to
respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply
the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this
Security Instrument, whether or not then due. "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 action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest
in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration
has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a
ruling that, in Lender's 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 repair 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 this 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 proceedings against any
Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization 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 payments 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- signers; Successors and Assigns Bound. Borrower covenants 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 personally 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 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
Borrower's 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 in Section
20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest 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 shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that
are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that
the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted
limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the
permitted 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 Borrower. 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
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 Page 9 of 13 Initials:
962
Vplelllul EL 3a 06 oBed
1.0 /1. LS0£VWNd #Id1
9S9£ (009) Out SWJOA Iase�
10/6 690E wand
1N3Wf1M1SNI W21OiINl aeLJ elppaidieevieluued IIluued al6ulS ONIWOAM
'swig; gu!MojloJ p!2 wow io auo ❑t sasuadxa put stuns luawaielsuiaa !ons ,Ctd aaMoauog Jell annbai Ctw
lapual •paguegoun anUIIuoO !legs luawnalsuj ,ClunoaS sup /Cq paanoas stuns alp ,Cud o1 uollegilgo s,13M011og
put luawnalsuj ,(ltanoas sup .►spun S2lgu put ,Ciaadom a!i u! lsaaalU! s,.lapua7 nip alnsst 01 a.nnbaa
,Clgtuosual Amu aapual st uol2ou gons swim (p) put `luawnalsuj /Clunoas sup .iapun s2ggta put /C2ladoad a!2 II!
2saaalu! s,aapual gulloaloid jo asodind aql aoj paunOU! Saa3 aaglo put `saa3 Uotltnitn put uolloadsul /Ciladoid
`saaj i s/Cauao22u alquuostai `02 pa2jw!I Jou Jug `gu!pnjou! luawnalsuj Allmon sup gutolojua ut palmou!
sasuadxa Ht s,Cud (o) 'sluawaaage 10 slutuanoo 10!20 ,Cut 3o ljnejap Cu ,t salvo (q) `pa.un000 pug u011e1aia0ou
ou 3! se atom a!2 put ivawn'2s°I ,i2tanoas slip .tapun anp aq pinoM tal2 !0!!M scans in .Iapua-j s/iud (u)
:aaMO.uog 2uy2 an suolllpuoo asogj 'luawnalsuj Sitanoas s!!2 2wo1oJua luawgpnf a jo Aiwa (o) a0 `.a2uisulaa
02 11.0ta S,10MOanOg 3o toiltulwaal a!1 aoj /C,jtoads 1!5!w Mel alquoljddy se pouad aagio gons (q) luawnalsuj
,Clunoas sup ui paultiuoo ales jo 1oMod ,Cue of Jul nslnd A1.tado.1d alt Jo ores a.lojaq s/Cup ang (u) :jo lsaij.ra
a!2 01 .rood aw!2 /Cut It panuliuoosip luawnalsuj ,Clianoas sup Jo ivawaOaO3ua ant! of 245u a!2 ant! pugs
1aMO11og `sUo[lipuoo utul.taO show .iamonog jj 'uo9taalaaav aajj• ale2suiag o1 iggtg SrlOMOaaOg '6I
Namo UOg uo putwap .10 aollou aagl.In3 lnolllM luawnassui
Altanoas sigl iq palliuuod satpaula.I Aug a)jonu! ,Caul .Iapual `pouad sup. jo uoile.ndxa am. 02 loud stuns
asay2 ,Cud 01 slit...IaMo.uog 31 •luawnalsuj ,illanoas sup ,Cq paanoas stuns in ,Cud lsntu .10 o.Iaog 4OIIM ulgllM
g uogoas g2!M aouupl0ooe u! uan!S s! a0120U amt am) all wag sip p£ utl2 ssai 1ou Jo pouad t apino.1d
iluts a011ou 041 •uol2ulalaoOt Jo aollou aaMO.uog an!S Hap .Iapual 4 uo00 sill sasto.raxa .Iapuai Jj
Mul alquoijddy Cq paligigoad st asloaaxa lions.! lapual ,Cq pasloaaxa aq lot Hugs uolldo sill `aanaMOjd
•luatun.11suj ,Clt1nOas sup ,Cq pampas sums in 3o iug ui ivatu/Cud aluipauutu! a1[nbaa Amu .1apual `luasuoo
ua1IUM .toad s,aapual 1nogmlM (panajsuu12 JO Nos s! JOMOJJOH u1 1sa.lalui jeiogauaq t put uosiad jtan2eu e
Jou Si .IOMOJJOH 31 ao) palaaJsutl2 a0 Nos s! ,C21ad0ad a!2 u1 1sa.Ialuj ACut .10 ,C2ladoad alp Jo lard Aug .to jje Jj
•aasugoind t o1 a2tp amin3 u 1t aaMOaaog Xq 011!1 J01aJsuea1 a!1 Si !0t4M Jo iva1U! a!i 1110wa015e
MonOsa ao 1Oe11UO0 saps 2uampu2su! 'pap .103 10ua2uo0 'pap ao3 puoq t ui paalaJsuta2 sisaaaIUI ItiOgauaq
asoll `02 pailwi1 IOU inq `gutpnjout `,C1ladoad age tit Immix!! jelogauaq a0 lugai ,Cue small „,C2aadoad a!2 0!
isaaaiuj„ `g j UogoaS sill U! pasn sy •aaMOaaog t! isaaa ;uj jttagauag a aO ,Cl.iadoad aq4 jo aa;sueas •gI
'luatmllsuj ,Clun°aS sup Jo put a10N amp ,fdoo auo uait!O aq Huge aaMOaaog •,CdoD s,aaAOaaog 'Li
•uot1O1
/iue a)ju2 0l uogaljgo /Cuu 2nolltM UotiaJOStp ajos sanlg „Attu„ paoM am (o) put `.swan aOin put julnjd 042
apnj0U1 put maw !jugs lejnguts a!1 01 SpaoM (q) `.aapuag OU1Utwaj am Jo spaoM 10 spaoM aainaU gulpuodsalloo
apnlou! put uuaw !jugs lapuag autjnosuw a!2 jo sp1oM (u) :luawnalsuj Ali1noas sill ui pasn sy
•uotslnold Stmolguo0
aye lnogl!M 2OaJJa uan!S aq Ito 40!4M Nom alp 10 luawnalsuj ,Cl jnoas sup jo suoisinoad 1allo loamy lot
!jugs 1O1f3UO0 lions `Mel ajgeoljddy t2!M S2Otjjuo0 a2ON a!2 so luawnalsuj Allanoas sill 3o asntjO 10 uo!s!nold
,Cue 2u42 Juana all uj 1OtaiuoO ,Cq 2uawaa1ge 2stqugt uolllglgold u se panl2suo0 aq 200 jjtls aouaps l0ns
lnq `luajts aq 2Ij 1w 11 10 2OUaiuo0 Cq 001gu 01. sound a!2 Mojle ,Cj2l0!Idw! 10 ,C12tOtldxa 1lgtw Mel alquoljddy
•MUl ajgtollddy jo suol2ellwll put sluawaalnbaa ,Cue 02 loafgns an luawnalsuj /CiunOas sup in pauleluoo
suoge54go put sllgu liv •paluooj s1 .Iodoad 0112 l011M u1 uo1101psunf alp Jo Mtj ale put mu! juaapaj Act
paU1an05 aq Hulls luawnalsuj 'C2lan °as S!!Z •uoiianalsuoD 3o mull :Aiillquaanas :Mel guivaano9 •91
•luawnalsuj XlunOOS sup lapun luawaatnbal gutpuodsalaoO all
/,!slits !pm luawaambaa Mtl algeotjddy 0111 `Mtl ajgeotiddy aapun paambaa osjt s! luawnalsuj AliafOaS sill
/Cq paatnbaa aollou Aug 31 •lapual Aq pan!a0a1 Alltn1on !Jun lapual 02 Uan!B wag anus{ 02 pampa!) aq Jou !lugs
IUawnaisui /C1unOas sill q2!M uoilOautwo u1 a0120u ,Cud •1aMOa1Og of aO11ou ,Cq ssaappt fallout paiuug!sap suq
aapual ssa!Un want! paluls Ssalppu s,lapual of jtew sstjO lslg ,Cq 2! 2u111tw Cq 10 1! gui1anllap /iq uanig aq
Rugs aapual 02 aO11ou ,Cud •0wj1 auo Aug It luawnalsuj /CllanOas s111 aapun ssalppe aollou paleug!sap auo /Cjuo
aq ,Cow plats •ampaooad pagloads Imp ggnoall ssaappu Jo agutlo e Modal ,Cjuo Rugs 1aM0aaog tall `ssalppt
jo a5utl0 S,aaM0alog gupiodaa 1oj alnpaooad t sagtoads aapual 31 •ssalppe 3o aguugo S,1aMO11og 3o aapual
,CJ12ou /Cjldwoad !jugs aaMOaaog •lapual 01 aOIIOU ,Cq ssalppe aollou alnlllsgns u paluug!sap sal 10M011og
ssalun ssaappy ,C21adold a!1 aq !jugs ssaappt a0tlou al,j, •asiMlal2o saimbaa ,Cjssaadxa mu-2 ajquoljddd
ssalun saaMOalog j!e 02 aollou alnlllsuo0 !jugs IOMOaaog QUO /WU o1 0O!2oN straw 10[120 /Cq was .I! ssaappe
aOtioU s,1aMOlaog o1 paaanljap ,cjjtn1OE uaLM ao Hew ssuj0 lslg /Cq palltw Ua4M aaMOaaog 02 uanlg uaaq
anut 02 pump aq !jugs luawnalsuj ,CUm0aS s!!2 l2!M uo120auuo0 u1 10M0110g O2 aollou /CUV •2Ut2i1M tit aq
lsnw 1UawnJIsuj ,C2lmoas sup 42!M uol2OauuoO u1 aapual 10 aaMOalog ,Cq uantg sa0tiou !lid •saNjoN 'sI
•agaeg01an0 Ions Jo lino gutsuu ant! 2115!w 10MO Uog uo12ot Jo 242!1 /CUB Jo aaApM
u alnillsuoO 11M JOMOalog 01 1Uatu,Ced 20aa!p ,Cq apuw punjal 4Ons ,Cut Jo aoue2da0ot s,laMOalog •(a2oN am.
0
2 9
as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's
check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,
instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security
Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred.
However, this right to reinstate shall not apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the
Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower.
A sale might result in a change in the entity (known as the "Loan Servicer that collects Periodic Payments
due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under
the Note, this 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 payments should be made and any other information 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 than the
purchaser of the Note, the mortgage loan servicing obligations to Borrower will 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 Borrower 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 requirements 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 notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to
satisfy the notice and opportunity to take corrective action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances
defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following
substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides,
volatile solvents, materials 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 defined 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 Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law,
(b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The 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 (including, but not limited to, hazardous substances in 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 involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental
Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any
Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance
which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or
regulatory authority, or any 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 Environmental
Cleanup.
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 Page 11 of 13 Initials:
•2ututo,CM Jo smgj
uoildutaxa pua;satuoq ay; 3o an;atn RI pug iapun s;gpta lig sanium pug sasgajaa aamoaaog •saanteM •bZ
mg j alquotjddy aapun pa ;tuuad st ooj aq; jo &u atalo
aq; pug paaapuoi sootn.us ao; ,C;.iud pnq; g o; pied st aa3 aq; 31 Xiuo ;nq `;uatuna;suj C;unoaS stq; 5uisuajaa
ao� aaj g aamoaiog amp Xgw iapuarj s;soo uoggp.t000t Sug Xnd Hugs aamo.uog ;uatun.gsuj iC ;t.moas
snit amp.' [lugs aapuoi `;uatuna;suj ,C;unoas snit iCq pampas stuns jig jo ;uautXud uodn •asnapn •£Z
•3! 0 3 Pallt;ua
,fHegaj suosaad ao uosaad ay; o; ssaaxa Aug (a) pug :;uatuna ;sui S;tanaas stq; Act paanaas suns Hn o; (q)
:saa; ,s,Cauao; ;e atgguosmaa 'o; pa ;lutj mu ;nq '2utpnput 'ales aq; jo sasuadxa tlm o; (m) :aapao NuonottoJ
aq; ui patjddu aq Hugs ales aq; jo spaaaoad aq j -ales £ue ;e £;aadoad aq; asugaand Amu aauatsap
sll ao aapua7 Mier ajgnagddd Cq pagtaasaad aauuew aq; ut ptos aq Hurts ;aadoad aq; pug 'ajes jo
aat;ou aq; gsgqnd Heys aapual •SI uoloaas u► paranoid aauuew aq; ut aantoaaog o; stns aq; jo aal ;011 an►t
Heys aapua'i •Ami atgeatjddy q;tnt aauupaoaae ut ;uaaajjtp jt ',fpadoad aq; jo uotssassod ul uosaad aq;
o; pug aaMOaa0g o; asojaaa0j 0; maim! jo aat ;0u anti Hugs aapual 'ajes jo aamod ay; sanonut aapual 3I
•aauaptna aj ;l ;,j0 s;s0a pug saaj
,s,Cauao ;3u atgguosuaa '0; paputj ;ou ;nq '2u1pnput 'ZZ uogaas stq; ut paranoid satpawaa aq; 2utnsand
ut paaanaut sasuadxa jjm ;aajjoa o; pal ;l;ua aq tints aapua' •ntgZ atquatjddv Set pa;;twaad salpawaa
aagww fug pug alus jo .fantod aq; alonut ,few pug pugwap lagpan! ;nod ;lnt ;uawna;sul £;tanaas sty; ,fq
paanaas suns jig 3o Hn3 ut ;uaw,fgd a;etpawwt aatnbaa ,fnw not ;do s ;t ;g aapua-I 'aat;ou aq; ut pat31aads
amp aq; aaojaq ao uo paana ;ou st ;jnejap aq; 31 •ajes pug u0t;maajaaau 0; aam0aa0g 3O asuajap aaq ;0 ,feu
ao ;jnIJap a 3o aaua;slxa -uou aq; ;aassg o; u0t ;an ;an0a g 2utaq o; ;qua aq; pug not ;gaalaaau as ;3e aon;sutaa
o; ;Op aq; 3o aan►oaaog wao ;ul aaq;an3 [juts aat ;011 a1J •tf ;aadoad ay; 3o ales pue ;uawna;sul A;tanaas
sty; Sq paanaas scans ay; 3o u0t;eaajaaae ut ;tnsaa Amu aat ;011 aq; ul pagtaads amp at; aaoJaq ao uo
;jnmsap aq; aana o; aantm,} mg; (p) pun :paana aq ;snu ;jnujap ay; gatgM Cq 'aantoaaog o; uant2 st aat ;00
aq; amp aq; W0a3 s,Cup 0£ unto ssaj ;0u 'amp u (a) :;jnn;ap aq; aana o; paarnbaa uot;ae ago (q) :ljnejap
ay; (o) :4taads Hugs aag0u ays •(astAnaaq ;o sapin0ad nto' atqualjddv ssatun t;I u0l ;aas aapun uol ;eaataaau
o; aotad 3011 ;nq) ;uawna;sul A ;tanaas sty; ut ;uawaaate a0 ;uguanoa ,Cum jo gaoaaq s,aankollog
2ulm0jj03 notpaajaaam o; aotad aamoaaog o; aa[ ;011 ant;l Hugs aapua' •salpawag :u0lomaataaad •ZZ
:smotjoj sg aai o pun ;uguan0o Jaqun .iapual pug aamoazog SINVNdAOD 1A1110dINI1
RBz
sIel;Iul £I. 1 Z 868 ton L90EVINNd #Id1
MC-944100M Dui sulio j easel
6016 650£ WJ0 j
1N3Wf1M1SNI IN IO IINf1 aevl empaumewejuuej Awed aI6u!S ONIINOAM
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any Rider executed by Borrower and recorded with it.
Witnesses:
STATE OF WYOMING,
The foregoing instrument was acknowledged before me this
by Phyllis Ann Crockett, a single woman
WITNESS my hand and official seal.
My commission expires:
Phyllis Ann Crockett
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
[Space Below Thls Line For Acknowledgment]
(person acknowledging)
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 Page 13 of 13
299
April 24, 2001
(date)
(Seal)
Borrower
Teton County ss: