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872663
After recording please return to: IndyMac Bank, F.S.B. c/o Document Management [Company Name] [Name of Natural Person] 155 North Lake Avenue [Street Address] Pasadena, CA 91101 [City, State Zip Code] DEFINITIONS 872663 [Space Above This Line For Recording Data] MORTGAGE (A) "Security Instrument" means this document, which is dated together with all Riders to this document. (B) "Borrower" is Hudson L. England and Carol England Lender is a federal savings bank United States of America Pasadena, CA 91101 Lender is the mortgagee under this Security Instrument. Loan No:: 966887 Wyoming Mortgage Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT THE COMPLIANCE SOURCE, INC.— III�� IIIIIIIIIIIIIII�III�IIIIIIIIIINIII�1I�III�IIIIIIpH Page 1 of 13 www.compliancesource.com u u u II u BOOK 462 PR PAGE 5 I- 9 (C) "Lender is IndyMac Bank, F. S.B., a federally chartered savings bank (D) "Note" means the promissory note signed by Borrower and dated The Note states that Borrower owes Lender two hundred f ifty thousand two hundred and NO /100ths Dollars(U.S.$ 250,200.00 RECEIVED LINCOLN COUNT? CLERK April 4, 2001 01 `?R 13 PM 3: 11 JEANNE WAGNER F(EMME•RER. WYOMINQ 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. Borrower is the mortgagor under this Security Instrument. organized and existing under the laws of Lender's address is 155 North Lake Avenue, April 4, 2001 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 Form 3051 01/01 14001 WY 08/00 02000, The Compliance Source, Inc. aui 'alms aouegdwoa a4.L 'Nom 00/80 AMI001 I IO /[0 iS0£ w.143 11113111111111111101111 111 ouj `3oan0S 33NVi'IJINOD 3H1, £i 3o Z a2sd INI3J If»LLSNI I%THO3INfl asJAI awpar3/asysi atuus3- ,Cliws3 aiSuis- a2s2yloju �uiwof L8899 oN ta1 ydSg2I zapun „tiro' agalzow palujaz Aiiezapa3„ u sr AJtjynb iou saop ut?oq ail3t uana „Tirol a5z2uouz polypi AjjgzapaJ„ g of pirSaz Jr! pasodmi azg irgl suopotusaz pug sivauma.iinba.z 'HE of s13 „VdSag„ `luamnzlsuj 4un03S still ut pasn sy zallgw ioargns cures ails swanoS iutli uotltjnSaz zo uoprist2al zossaoons 10 juuoluppu Aug zo `amp of auzu wog papuauzu aq 2q2 ut /Caul sr `(005£ lied •2I•13 ttZ) X uotujaa>j `uotujngaz uiluauiajdwt slt puu (loos la I09Z§ Zi) toy saznpaoozd luauzalllas alylsg jgag ail swam „ydsaui„ (0) •luatunusui Xtunoas sup jo uotloas zapun slunowg ,iuu (tt) snjd `aloN alp zapun lsazalut pug irdtouud (t) zoj anp lunouiu pajnpagos AjzginSaz alp strum' „luaw,fed aipoi.iad„ (ND •ugoi alp `uo llnypap JO `Jo luauiiCuduou atjl lsutar zapua7 Supoatozd aougznsut suuaui „aaue.insui a2e2laow„ (Ii) Alzadozd agluo uotttpuoo z0/put amen ail `ol SE suotsstuzo JO `Jo suotuluasazdazsnu (AI) .10 `uoilguwapuoojo nail ut aDU iCanuoo (tti) `Xpadozd ail jo iiud /Cur zo !Tr Jo Supirt zaglo zo uoiluuuzapuoo (tt) `.Alzadozd aril `Jo uotlonusap zo `ol amp t) :zoJ (5 uotloas ut paquosap sa5rianoo agp zapun ptyd spaaoozd aougznsut imp zaglo)'Cligd pztgl Aug ,(q ptud spaaoozd 10 `sa2uuiup jo pigmy `tuawalltas `uotlgsuadtuoo Slur small „spaaaoad snoaueijaasHAT„ ('i) uotloas ut paquosap azy tggl swalt asogi sueauz „swab moaasa„ (x) •szaJsurg asnouSuugajo paleuzolne pug `szajsuezi azim `auogdaiai 'q paletptut szaJsurg `suopousuuu autgomw zajjal paluwouw `szajsurg ajps jo -lutod `ol paltwutj lou st lnq `sapnlout twat Bons •lun000e ug ltpazo .to Rap of uountilsut jutourug g azuogine 10 longsui `zapzo of se os adel opau2rut JO `zalndwoo luawnusut otuogdaial `juutuuat otuouoaja ug g2nozgi palgutut st gotgM luawnusut zadyd zgjtiuts JO `grip `loop Aq palru1Suo uotporsurg g uegl zaglo `spun) Jo zaJsurg Xur smut „iajsuers spun ajuoalaaia„ (r) •uoilgztug2zo zgjtwts JO uoiletoosse szaUMOawoi `uotlgtoossu uintuwuopuoo g i(q i(lzadozd alp .10 zaMOf0g uo pasodurt azg pelt saSzygo zaglo pug sluawssassr `sag; 'soup lie stream „swawssassv pee `saag `sang uolopossV Lfiiunwwo0„ (1) •suotuido jytotpnC ajgujyaddr -uou 'pup ajgeotldde iii sr Ham se (mei jo loajja alp meg Imp) szapzo puu sajiu antleustutmpe put saouuutpzo `suoiujn2az `schleps 'root pug alyls `jgzapaj ajggotjddr Butjjouuoo Hu suuaw „mg apipliddd„ (H) zapt2I luatuked ,CPjaaMtg zaprd aw°H puooaS zapnj knit; alggoonag zapt a luamdojana[ turn paUUtid zapt2i wntutwopuo0 p(j/oadsJ (s)z0i10 zapt'd iituzed tr 1 zapt�j uoojjug rapid aluw ajgelsnfpy :[a/geo//dde se xoq'/oatio] zamonog Aq palnoaxa aq of air szapt)j 5utmojlOJ atjj •zaMOZZOg Xq palnoaxa azt imp luaUInusUI Alunoas sup of szapt21 ljy suuaw „saapm„ (0) •lsazaiut stud luau n tsuj AlunoaS sill zapun anp stuns HE pug `aloN alp zapun anp sazygo alga pug sazego luauuArdazd Aug `isazaiut snjd `cloy ail Aq paouaptna leap ail suuaw „ueo7„ (3) ail Ut Jo zajsuriZ„ Sutpeaq alp zapun molaq paquosap st trip /4zadozd aqi suuam ;aadoad„ 0 ?S „•/(lzadozd (a) 0 8726G3 521 (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 obligations under the Note and/or this 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 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 County of Lincoln [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] Legal description attached hereto and made a part hereof. A.P.N. NUMBER• 12- 3119- 24 -3 -00- 522.01 AND 12- 3119- 24 -3 -00- 522.00 which currently has the address of 903 Lancaster Lane [Street] Afton Wyoming 83110 "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. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or 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, Loan No:: 966887 Wyoming Mortgage Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 01/01 —THE COMPLIANCE SOURCE, INC.- IIII 111111INIIIIINIINIIII11IIIIIIIIIIL 11111111111111111 page 3 of 13 1400IWY 08/00 www,compliancesource.com 2000, The Compliance Source, Inc. auk `aamos aauegdwoj agm '000zo 00/80 AMIOOPT IMO iS0£ 111 ".1 L88996 oN U O I zapun palatigo aq uagl hugs maMOmmog pun lunotut lions At pug 6 uoi1Oas zapun slq$u sft astazaxa i(uui mapua? `mall mimosa ut ioj anp lunoumg am At of sitg3 JOMOUOg pug `manreM g of lutnsmnd `Ailpamtp small MomOSg 1iud of palt5pgo st maMOmmog 3I '6 uotloas ut pasn st luauiaam2g pug luguanoO„ astmgd aqf st `luauznzlsui Altmoas sup u1 pauttluOO luauiaam2t pun luguanoO t aq of pauiaap aq sasodmd ill ioj Iitgs sldiaoam aptnomd o1 pug sluauuCgd lions alum of uotteSpgo s,mamommog •ammbam /itul mapuai st pouad aUUI lions utgluM luauuCgd cons Sutouaptna sidtaoam mapua-1 of gstuzn3 'jugs `sapnbaz zapua' 3t `pug mapua] i(q pantmM uaaq sgq spund jo luatu d gotgM mo3' =au Mo1OSg Aug ioj anp slunoin aql `aiquAgd amagM pug uagM `Ajloanp 1Cgd pugs mamoziog `zantem gons 3o Juana am III •2uilt1M ut aq Shoo Xgul mantuM gons iiuy auiil Aug lg suzall Mozosg ire JO Aug zo3 spund mapua-' of Xtd of uouaigo s,maMOmzog antnM XEUI mapua' 'sum' mama ire mo Cu u ioj spund agl ,igd o1 uoiluStigo S,zaMOxiog sanreM zapuarl ssa'un small Mozasg mo3 spund am mapual Xgd'ttgs mamommog •uoiloas sup mapun mud aq o1 slunouig jo saopou jig mapuari 01 gstumn3 Apduiomd iings mamommog luau mama ug aq'tugs sluauissassu pug saa3 'soup cans pug `maMommog iCq pamomosa aq 'Aug 3t `sluauissassy pun toad `Sang uotlttoossy Xliunummoj lugl aztnbam ,CEUI mapua(I `ugo-I alp Jo uimal am wimp aurtl Aug 1u JO uotlgut2uo ld stugli Mo1OSg„ Palma am swat! asacs '01 uot3Zas jo suotstnomd aql clam aoutpmozog ut sumnuamd aoutmnsul a$g$lmoys' 3o luauzCud am Jo nag ut mapua-1 of mamommog ,iq a'ggAgd sums Aun JO 'AIM 3t `sumtmamd aougmnsui a2t2lmoj, (p) put S uouoas mapun mapua-' Xq pamtnbaz aougmnsut Hu put Aug ioj summamd (o) `.,Cut 3t `i(110domd aql uo sluaz punom2 mo sluauliCud p'ogastal (q) `.Xpadozd act uo aougmquznoua JO UP!' g st luauinmisu' Xltmoas sup mono Aluotmd mum uto gotgm suialt zaglo put sluauissasst pug sox (n) :ioj anp sumo= 3o luauuCtd ioj apinomd 01 „spund„ am) ums `iin3 ut pttd st a1oM a T1 'pun `a1oM am zapun anp ail sluauu(gd 0tpotmad Agp am uo mapuai of /Cud lltgs maMommog .smolt mamma ao3 spun3 •sluauu(td Otponad am jo lunouzg am auggo JO alup anp am auodlsod mo pualxa lou t'ggs a1oN alp zapun anp Igdtouud 01 Spaa0Omd SnoaugilaOsTJA JO `spaaOomd aOUgmnsut `sluauucud 3o uotlgotgddt Auy •01oN am ut paquosap st uagl pug saamugz luauuCtdazd Aug 01 lsmg patiddt aq imp sluauuCgdazd ,(mglunlon anp sagztgo am Aug 01 patiddt aq Amu ssaOxa gons `s1uaUTICud otpotzad azoUJ JO auo jo luaUUCgd pm am 01 patiddt st luauu(ud am mug sfstxa ssaOxa Aug t p i lualxa am o j Itn3 ut pred aq uuo luauiAgd pro `lggl lualxa am 01 pug `31 sluauuCud Otpotmad ag13o luauu(tdam am 01 zaMOZZOg map pantaoam luauiXgd Aug Aiddg Xgul zapuaJ Iutpuulslno Si luauu(gd otponad auo uugl 310UI 3I alnt ag1 puu luaugtd luanbugap Dip o1 patiddt aq )'gut luau1X d aql `anp aztgo a1gj Aug /itd of lunouig 1uatOi33ns t sapniout goigM luau /Cm Otpotzad luanbuttap g 10j mam0110g UIO13 11.1aUZ&ud g saniaoam mapua? 3I atom am jo aouu'gq redtoutzd am aonpaz 01 uagl pug `luaummisul A1tmOas sup zapun anp summit maglo Aug 01 puo0as `sang° am' 01 tug pat'ddu aq hugs stun0UIg 8UTAinuiam Auy anp aumoag 1t gotgM tit mapmo am ut 1uatuAgd otpoimad coca 01 middy ag pals sluam/cud gons •E uotl0as zapun anp slunoumt (o) `.a10M am mapun anp itdtouud (q) `a1oM aq1 mapun anp lsamalut (g) :,Cfuoud 3o mapmo SutMo” o3 aq1 ut pagddt aq jigs mapual Aq pagddg pug paldaoot sluauuCud'It `Z uotloas sup ut paquosap astMZaglo SE ldaoxg •spaaaoad ao sluaum,(u j 3o uotluatlddd •z •luauinzlsul X(ltmnoas sup Xg pampas sluauzaaz22 put sluguanoO am 2utuzzojzad 10 luaUlnzlsul XtlunOas sup put aloN aq1 mapun anp sivauu(td 2up'gut map maMOmmog anatiam'iggs mapua lsu amnln3 aql ut JO MOU angq 1gSIUI zam0110g TIOtgM UIrejO mo 1as33o •aznso'0azo3 0l mood Alaltipauiurt aloM agl iapun aoug'gq'tdtouud 2utpuglslno am 03 pat'ddg aq'Itm spunj gons `mattmua middy 1ou 31 •zaMO.uog o1 Uzag1 Umnlaz 10 spunj gons Aiddg ma rigs mapua-' 'amp 3o pouad a'gtuostaz g utg3IM os op 1ou saw zamomzog 3I •1uaunO utorl am 2uug o1 luaUUCtd sa7ui mamommog'ilun spunj pat'ddgun gons mot! Attu mapua? spunj pat'ddgun uo lsamalut km! 1ou paau mapua-' uagl 'amp anp patnpagOS s1I 3o st patiddt s' 1uaUIXgd otpouad gaga 3I •paldaoog at guauutud gons aUIt1 am lg sluauucud gons A'ddt Ol palaggo loo St mapua-I 1nq `amnln3 aql ut sluauu(gd jgtlzgd _to luauuCgd gons asnJam 01 s1g2u st! of aotpnfaid 10 mapunamaq Slg2t1 riot Jo mantuM fnogliM `fuamzn° ugorl am 2uug 01 1uatOi33nsut fuau Aud'gtlmgd JO luauz1Ctd tug 1d000t )(ETU mapua-I •luauno uuori ag1 &uuq o1 luatownsut amg sluaUIXtd retlmud JO luauuCtd agl3t luauu(td'ttngd 10 luauuCgd Aug umutaz ,Cgui zapuag •S uouoas ut suotstnomd aoTlou aI11 gild aOUtpmooOt ut mapua-I Aq paltatsap aq doom st uo1lt3ol zaglo cons 1t JO 010N ag1 ut paltuOtsap uotlto0' alp fg panta0am uagM mapua-I ,Cg pantaoam patuaap am s3uaUlAtd •ma3SUUJ spund Otuom3Oaig (p) mo °,Cltlua m0 `AlttgluaUmmisut `,(ouag tgmapa3 g iCq pamnsut amg sltsodap asogM uO11nIt1SUi ut uodn uMtmp st ratio gons Aug paptnomd s,zatgsgo JO pogo s,zaznsgaml `ratio 31unq £11 h agud 1111H1 11111111 111111111111111111 wmaoino311110S saouttidwoo'mmm n o3 3i1y itslaiIIL1U.LSNI wuodINfl asN aIppaa3/aul% uuua -,C1!W I alSutS- a2a2iaoJQ SulwoSm 0872(1C3 523 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, Loan No:: 966887 Wyoming Mortgage Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT —THE Page 5 of 13 COMPLIANCE SOURCE, INC.— IIIIIIINIIIINIIIINIIINIIINIIIIINIININIIIIINIIIII IIINIIII Form 3051 01 /01 14001WY 08 /00 ©2000, The Compliance Source, Inc. •auk •aamos aauegdwo3 0 y1'000Z0 00 /00 AMt001 10 /10 ts0£ wa °3 �A1I AI� I���1NIIHIII� I I HIIIIIII IIIIII1 *ONI `3J1I(tOS 3tI L— £t 3o 9 a2gd LN3Wf12I LSNI WIiO3INfl ansi a!ppal3/aaW atuuag- Autug3 0L21.1S- a3g3poyv SuIwo,f,A L88996 ::0N U20rj ut saaat astmuag3o zapua-1 ssalun `Aoutdn000 jo amp am zagt ztaA auo 3sual 1o3 aouapisaz Iedtoutzd S,zaMOZZOg su Auadold anp Adn000 o; anut3uoo lungs put lu°tutulsul Attmoas sup 3o uounOaxa an3 zatut sap p 09 uigttm aouapisal Itdiouud s,zamozzog st Auadold am asn put `gsilgttsa `Adn000 Rigs znmouog •,faugdnaa0 '9 •anp unto aou zo mtpanm `3uaumllsul Aiunoas situ 10 au01`I am zapun pitdun slunoun /std oI zo Auado1d ant azotsaz zo nudaz o3 zatuta spaaoozd aoutmsut ant asn Attu zapua-1 A.uadozd atu jo a$tznnoo and of aiquoijdldt azt suiSp nons st 1tjosut `Auadozd and &uuanoo satotlod 03ut1nsun Ili zapun (zaMOUog Aq mud stunnuaid patutaun 3 puma.' Aut 01 3gSu am utgl zanio) sup.' s,1amo1zog jo zanio Attu (q) put `3uatunzlsul Alunoas situ zo °told am zapun piudun siunotut agl paaoxa Ot tou 3unotut ut ut spaaoozd aoutznsut Aut of sln &tz s,1amonog (t) zapual of sugtsst Agazatl zamozzog `asimzatuo JO ZZ 11oi300s zapun Auadold am sazinbot zapua-1 311 z0 `tuana zagmta ul uantS St 0033011 ag3 uan& utBaq IInM pound /cup -0£ an,l tuitlo atu auras put atttta°u Attu zapuai unlit `uutlo u autos 01 pomp) sun mum aoutmsut atu Itgt zapuarl tuoz3 aopou t of sXtp 0£ uiq4TM puodsaz aou saop 1amo11og 3I •szal4ttu pattlaz put urttlo aoutmstn algtltunt Aut al33as put altiiaau 'am Attu zapua7 `AUadozd am suoputgt zamofog 3I •Z uoiloas ut zo3 papi■ozd zapzo agI ui pailddt aq urns spaaoozd aoutmsut tins •1amozzog of pred 'Aug 3i `ssaoxa alit qlTM `anp uan3 ism zo =palm `Iuau1tulsul A3unoas stg3 Aq paznoas sums am o3 pailddt aq Rigs spaaoozd aoutznsut aqi `pauassal aq mom A3tznoas s,1apuarl JO algtsta3 Ailtotutouooa Iou st zntda1 z0 uoutlo4saz ant 3I 'zaMo.uog jo uot1aggo alos and aq Rigs put spaaoozd aoutmsut am jo lno mud aq l0u gins zaMO.uog Aq pautttal `sound pzin31ant0 .10 `slalsnfpt oilgnd 103 sand •spaaoozd lions uo duturta 101S0J0111t Aut znMO.uog Atd 01 pazinbaz aq aou lltgs zapuag spaaoozzd aoutznsut nons uo mud aq of Isazalu! saztnbaz mg-4 algtoilddd 10 &uiliIM 11t °ptul st tuautaaJ2t uu ssalun •pa4aldmoo si }IIOM ag3 st sluatuAtd ssal2ozd jo sauas t ut 10 3uatuAtd °Ruts t un uot1ulolsaz put snudaz agl zo3 spaaoozd asingsip Attu zapual •Apdtuozd umuapun aq Runs uouoadstn noes mild papinozd `uot3otjsuts s,zapua -1 of pataldtuoo uaaq stn 3I10M ant aznsua of Auadozd nons 3oadsut of Altunuoddo uu pun stn iapua'l 'pun spaaoozd aoutznsut lions pion of 1421.1 ant mug Huns zapua-1 `pound uoiltzolsaz put ztudaz nons 2uufQ •pauassal tou si A3unoas s,zapuarl put atgtsta3 Aittotumuooa st zttdaz 10 110t4tzotsnz agl 311 `Auadold ant jo undo.' z0 110tltz04S01 01 pailddt aq guns `zapua'l Aq pazinbaz stM aoutmsut Sui/ilzaptm an3 3011 10 1014101M `spaaoozd aoutznsut /Cut `2ut4!IM ui aaz& astMZaglo zaMOUOg put zapua7 ssalun •zaMOZZOg /iq Alldtuozd aptut tou 311 ssol 30 jooid min Auux zapua-1 •lapua-1 put mum aoutznsut and 01 aoj3ou Iduzozd ants gins zaMOZ.tog `ssol 30 loan° ant 114 naked ssol Ituopippt ut st 10/put aa8r2uotu St zapual au= Thus put astir 410U1 p1tputts t apnlout Urns Aogod lions `.Atzadozd am `3o uoi3otvtsap 10 `01 attutp zo3 `zapual Act pazinbaz astM OI4Io aou `aStzanoo aoutznsut 3o 111103 Aim sutu3go zaMOZZOg 3I 50014011 ItMaual put suznnuald pi d jo stdiaoa1 TIE 1apUal 01 antO Audtuold Huns zaMO.uog `saztnbaz zapua-11l •sa3togivao Itmauoz put satotlod am pion 03 tq$11 ant ante urns zapua-1 •aa/iud ssol Ituot3ippt ut sr 10 /put 00 410W st zapua(l °tutu Runs put `asntlo a2auotu pmput3s t apnioui Inns `saioilod nons anozddtstp of I142u s,lapuarl 03 loafgns aq gins saioilod nons jo sltMauaz put zapua-1 Aq pazinbaz satotlod aoutznsut jId •Iuautked 2uilsanbaz zaMOUOg 03 zapua-1 tuoz3 aopou uodn 'Isamu! noes gt!M `algtAtd aq gins put luatuaszngstp 3O amp ant tuoz3 attz a3oN aim It Isaza3u! ztaq Thus summit °sat •luatutu3sul *moos snit Aq palnoas 1OMOIIOH 3O Igap Ituot3tppt atuooaq Inns S uoiloas sing zapun 1apUa-1 Aq paszngsip s4unou1t ,Cud •pautmgo antg pjnoo zaMOZZOg Itnl aoutmsut 30 moo am paaoxa Ajtutogtats 10nu paulmgo OS 02r10A00 aoutmsut atu JO 3S00 041 lt SapaTMOtnl0t zaMOIOg •30°33° ut Alsnotna1d sEM wit aSEJamm 1OSSOI 10 103101$ apinozd Inapt put AI ?Ingtnl 10 punt' VII /tut 3sutat `AUodozd 0143 3o swuamuoo an310 `AUadozd 0143 ut /ittnba 's,1aMO11og `zaMO.uog loa3ozd loo InSttu 10 I142ntu Inq `zapua7 moo urns 02t10A00 nons `azojaza4Z -agmanoo 3O lunoult 10 ad/tt Itlnoiutd Aug astgoznd 03 uottaggo ou zapun si zapua7 •asuadxa s,zamozlog put uoutdo s,znpua-1 It `aSuzanoo aoutznsut uttlgo Attu zapua-1 `anoqu paquosap satlanoo am 30 /tut utt3utttu 03 sum zaMOZZOg 3I •zaMOLIOg Aq uoitoafgo ut tuouu Etn4jnsaz uonitutuua3ap auoz pooi3 Auu3O Matnaz ant n3tm uon1oauuoo ut Aouad tuatuatutl/I Aouaazatug jtzapad aim Aq pasodtut saa3 /cut jo luatuAtd am Jo3 algtsuodsaz aq oslu gins zamauog •uot3toun4zao zo uotttutuua1ap lions mane 3n$?uz Algtuostaz tlot1M 111330 sautg3 1tlnuts 10 s &utddtuzaz aunt non saztg° 3uanbasgns put sa0TAlnS uotttoutua3 put u0iltutuua4ap auoz pool3 103 a&tgo °toil -auo t (q) 10 `.saotnzas Suplou13 put uogtognuao `uo13tunu1atap auoz poog 103 amp °toil -auo t (t) :zan3ta ".17. 0 OS% (J C3 525 writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or 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 Loan No:: 966887 Wyoming Mortgage- Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT —THE COMPLIANCE SOURCE, INC.— IIIIIIIII IIINIIIIIIIIIHIIIIIIIIIIJIIIIUIIIIUIIIINIIIIIIIII Page 7 of 13 www.compliancesource.com Form 3051 01/01 14001 WY 08/00 ©2000, The Compliance Source, Inc Dui •aaanos aauagdwo3 agy `000Zp> 00/80 AMI000I IO /IO ISO£ wa £I Jo 8 aud I III II I IIIIIIIIIIII 1111111111111 1111 1 11111 `3JHnoS �xs— mrnm Esat fl?I,LSNI I%D1O ILNfI MIN aippaiNaNIN aiuue3- X1F.utd alSuiS- a9eaaaow 2uguoSm L88996 oN t18cri /Cq pains sums ay; o; paliddr aq Hugs spaaooad snoaurijaostN am `pauassai aq pinom /C;unoas s,aapua•i so aigiseaj /iljuonuouooa ;ou st nedaa so not ;uao;saa aq; 3I •spaaooid snoauejjaostyAi Lions uo S4uivaea 10 Isamu! /cur aamoaaog /Crd o; pannbaa aq ;ou jleys aapua't `spaaooad snoaurijaostys.i lions uo pled aq o; ;sa.za ;ut sannbaa mr-t ajquogddy 10 8ut1tam ut aprtu st ;uamaaAr ue ssajun •pa;ajdwoo st 3I1om aq; sr s ;uauu(ed ssaa2oad jo sus ui JO ;uauzaszngstp ai2uls r ul not ;rao;saa pur satudaa alt; ioj ad Arm aapuaq Apdmoad ualruapun aq jirys uopoadsut !Tons ;rti; paptnoad `uollorjsl ;es s,.tapua' o; pa;ajdmoo uaaq suy )jaom ag; aansua o; /CUadoad lions loads!!! o; /Cuunuoddo up prq sr!' aapua'i jl ;un spaaooad snoauriiaostJA !Tans piny o; Nap ay; anuti jjrgs zapua1 `pouad not ;eao;saa pur nrdaa gons SutmQ •pauassaj ;ou st /i;umoas s,aapua-i puu ajglsraj /Cjjuonuouooa st atrdaa ao uot;raoasaa aq; .ji `/Cltadoad aq; 3o aledaa 10 notpao;saa o; pagddu aq jjrys spaaooad snoaueijaosq !tons `pa rump st /Cyladoad auI 3I •zapuari o; mud aq jjrgs pue o; pau8lssr /Cgaaati aau spaaooad snoauujjaos!N IId •aan;ja3Jog :spaaao.ld snoauejlaasm jo ;uamu2Issd •TT •uogeuiluaaa ao uoj ;ejjaauua gans jo amt; aq; ;u pau.zeaun aaantlug; smnuuaad aauuansui a3u2;aoy%I ,(uu 10 punJa.c n aniaaa.1 o; .1o/pur qjleai;umo ;nu pa;euituaaa aaue.znsui aNa;2oyAI ay; anvil o; 'aauuinsui a8a;aoj j ay; jo uoj ;ullaauea un qo puu ;sanbaa o; 'saansojasip ute;aaa anjaaaa o; ;yip ay; apnpui Sum s;y8!a asa4J, .noel aay ;o /fun .to 8661 30 ;av uoipa;oid s.tauntoamon ay; aapun aatmansui a2v2;aohl ay; o; ;aadsaa y ;[M 'Cue 31 sny aantoaaog s;y8■1 ay; ;aa33e ;ou !Elm s;uamaaa8n gans Suv (q) •punjaa ,fun o; .taMoaaog a fi;ua aou !pm ,Say; pun °aaueansui a8u2aaoyAI.10J anMo !pm aamoaiog aunome ay; OSV3131.11 301I !!!At s;uamaaa8n yaps •ueori ay; 3o smaa; aay ;o Sue .10 `aauuansui a2u2;aoyt .zoj ,Sud o; paaae sey .zan+oaIog ;nil; s;unome ay; ;aa33n ;ou !Lim s;uamaaa3u yaps dud (n) :ioq in3 „•aounmsutai anudeo„ pauua; ua ;3o st auauza8uv.uO alt; aamsut aq; o; mud suznnua.td am 3o a.retjs r aoj auetioxa ul Isla s,.taznsut ay; jo of qs u swig; aapuaZ 3o a;rll1J ur ;rg; saptnoad ;uamaaBr lions 31 •sassoj &utanpaz ao `)isIJ s,aamsut a8r8uom alt; 8ul/(,jtpom JO 5uurgs aoj aurtioxa ut `aouransut a8u8uoJAI aoj s;uauz/(rd S,aamoaaog JO 1101310d r (sr pazuaa ;oeargo aq lqftu ao) uto.p anuap ;ry; s ;unoum (/(poanput 10 /ij;oanp) OAI000.1 AMU `21.11080101 ay; jo Aug 3o a;etj!J3r /Cur so `i uua .tali ;o Aug `aaansutaa Aug aamsut aay ;our `a;oN ay; 3o aasegomd /iur `aapua-t `s;uamaaa2r asay; jo ;jnsaa r sy •(sumnuaad aoueznsui a8r8uoyAi moa3 pautr;go spunj apnjoul /cum gonim) aigrilrnr anrq ,Cruz aaansut a8a;.totu alt; ;eq; spunj 3o aamos /Cur &utsn s;uatu/Crd mu! 01 aaansut aSe2ytom aq; annbaa /Cruz s;uamaaar mail" •sluamaaa2r asatj; o; (saturd ao) /hard aatj ;o all; pur aaansut a2r53101u am o; /Cao;orJst ;es aae ;rg; suot;tpuoo pur stuaa; 110 aar s;uamaaa2r asatis, •sassoj aonpaa JO 'Asp atag; /cppom ao aarys ;rli; salved aali ;o li ;lm sluamaaae o ;ut as ;ua /ium pur `amt; o; amt; moat aoao3 ut aouransut gons JIr uo )jsla rem na4 alunjuna saaansu! a8r81Joyq •aouransut a2u81JoJA aq; o; /Thud r ;ou st aamoltog •paaiSt sr uro-1 am /iudaa log saop aamoaaog ji mom /Cruz 31 sassoj ulr1100 ao; (aioN am sasetjoand ;eq; /uuua /iur ao) aapuaZ sasanquttaa aouransut a801aoyAI •aloN alp ut paptnoad am alt; ;r;saaa;ut /(rd o; uopaligo s,aamonog s;oajje pj uopoas stq; ul Sulq;oM mu t ajquogddd /iq paambaa st uogrutuual jpun ao not ;uunuaa; 4ons aoj 8utpinoad aapuaZ pup aamoaaog uaam;aq Iuamaaau uagtam Aug pm aourpa000r ut spua aouransut a8r8uoJA aoj ;uamannbaa s,aapua7 jt;un `anaasaa ssoj aigrpunJaa -uou r apinoad 01 JO ;oa33a ut aouransut a8r8uo(A ute;utrm 01 pannbaa smnnuoid alt; ad jjrgs aamoaaog `aouransut a8r8;aoyAi aoj smntmaad aq; parmo; s;uauz/crd pa;ru2tsap /Cja;rardas a)jrtu 01 pannbaa srm aamo.uog pur grog all; 8uDiem 3o uoplpuoo r sr aouransut a8r8uoJA pannbaa aapuaZ ,jj •aouransut a8auow ao3 stuntmaad alt; paumo; s ;uauz/Crd pa;eu8tsap /Cja;rardas sannbaa aapuaZ pug `paure;go st `ajqujtrnr samooaq mar aapuaZ Xq pa;oaIas aaansut uu /Cq paptnoad (sannbaa aapua't;um polaad aq; aoJ pug moult all; ut) a8eaanoo aouransut aSESpoJA 3l s ;uatuXrd OA.IOSaa ssoj annbaa aa8uoj on tiro aapuaZ •anaasaa ssoj lions uo ammo ao ;Saaa;ui Aug aamo.uog /Ted o; pannbaa aq ;ou Hells aapuaZ pug `Ijnj ul pled /Cia;uml ;In st uuorj ally ae4 ;orj a!{; 8utpur;stj;tm;ou `ajgrpunJaa -uou aq Ilrgs anaasaa SSOI yons •aouumsuj Q2ESIJOIN jo naq ut OAIOSaa ssoj aiqupunjaa -uou r sr s ;uam/Cud asaq; utr;aa pug asn `;daoor 'um aapuaZ •aoa3ja ul aq o; pasuao a8raanoo aourmsut aq; twin anp aaam ;rq; s;uau1Xrd pa;ru$tsap Sla;eaudas alt; jo mom aq; aapuaZ o; /Ced o; anut;uoo jjrgs 1OMOJJOH `ajgrjtrne;ou st 08eaan00 aouransut a8r8uoJA ;uairnmba /Cjjrt;ue;sgns 3I •aapua-t ,tq pa;oatas Jams!!! aStSpom a;emalje LIE moat ;oa33a ut Xlsnotnaad aourmsut ageSpow aq; 3o aamoaaog o; ;soo am 01 ;uajrnmba /cjjupue;sgns ;soo r ;r `;oajja ul /Cjsnolnaad aouransut a3r8uoJAI this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, 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 in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous 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 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 Loan No:: 966887 Wyoming Mortgage- Single Family Fannie M Mae/Freddie Mac UNIFORM INSTRUMENT —THE COMPLIANCE SO eRcCE, INC.— (IIIII1111111111111111II11II1 IIIIII111111III111111111111111 Page 9 of 13 527 Form 3051 01/01 14001WY 08/00 t)2000, The Compliance Source, Inc 'au! 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Tits 01 saa1Sr zapuol ssajun ouatuntisut /iormoas sell zapun /(orjrgrrt put suor3ESrtgo s,zamouog tuoz3 pomp.' oq lou jugs 1aMOilog •ouauznzosut i(IunOas sup zapun sitjauaq puu sl42i1 s,1aMO1iog Jo or urulgo imp `Japuaq Act pano1ddv Si put `Suro!M ur luatuntisui i(lunOas stmt zapun suopartgo S,1aMOUOg satunssv o4M I0M0110i1 JO ISazaluj ur 10SS000ns Atm `gt uo1IOas Jo suorsrnotd aml of IOafgns ouasuoo S,1auSrs -o0 aml inoglrM aloN am 10 luauznzlsuj Xl stgo 3o suual am 01 p1ES01 germ suorlvpotutuoo0t /(up wpm 10 zvag1oj `Ajrpouz `pualxa oI aa1SE ut0 z0MOtIOg zattlo 0'-V 529 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days 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 prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior 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 period as Applicable. Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require 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 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 Loan No:: 966887 Wyoming Mortgage- Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT —THE COMPLIANCE o OURC E, INC. 11111111111II�III11IIII111IIIIIIN111111IIIIIlIII111111 Page 11 of 13 Form 3051 01 /01 14001WY 08/00 192000, The Compliance Source, Inc. out 'aomos aouegdwoo agI'000ta 00/80 AM TOM 10/10 IS0£ w Elio ZI aSgd In I1111110OII 111111111 1I111111111 IHIp Hill l —•ONI `3ONf1OS 3H,],— N H' If12I LSAII IIIMIO.11N 1 aeIAI aippam/auyu aluua3 11we3 a0u!s-agrapow Sulwo,f,N L88996 :oN UGI Ile o; (e) :aapao 2u!MotIoJ ay; ul palldde aq jleys ales ay; jo spaaaoad 914 *ales Sue ;e ,f;aadoad ay; aseyaand Sew aau2;sap s ;l ao aapuag •Meg ajg113I ddy fq paglaasaad aauueui aq; ul Nos aq Hugs Spadoad ay; pue `airs jo a0l ;ou ay; gsllgnd Heys aapuag •Sj uol ;aas ul papinoad aauuum ay; ul aaMOaaog o; ales ay; jo a01 ;011 a/0 Hugs aapuag •Meg ajgealjddy g ;IM 33uepao33e ul `;uaaajJlp JI ',f;aadoad ay; Jo uotssassod ul uosaad ay; o; pue aaM0a1011 o; asopaaoJ 0; ;11a;ul JO a3uou Hugs aapuag `apes Jo aamod ay; sa)jonUI aapuag JI •aauapzna al ;l; Jo s;soa pue saaJ ,s,fauao; ;e algeuoseaa `0; pa ;luzll;ou;nq `�ujpnjauj `ZZ 110939s sly; u; papinoad salpauaa aq; 2ulnsand ut paaanaul sasuadxa II11 ;aajloa o; pal ;l;ua aq jjeys aapuag •Meg ajgemjddy £q pa; ;nuaad salpawaa aa14 ;o Sue pue ales jo aaMod ay; a)jonul ,few pue pu11wap aa14;anj ;noq ;IM ;uawna;sul ,f ;lanaas sly; ,fq paanaas suns Ue jo IInJ ul ;uaw,fed a ;elpau n; aalnbaa Sulu uol ;do sll ;11 aapuag `ail ;ou ay; ul paupads a;ep ay; aaojaq ao uo paana lou st ;IneJap ay; JI •ales pue uol;eaaraaae o; aaAOaaog ;o asuaJap aay ;o Slue a0 ;jneJap a Jo 93ua;slxa -11011 ay; passe o; mum ;ano3 a 2ulaq o; ;Op ay; pue u0l;eaa1333e asuue a ;e;sulaa o; ;Op ay; Jo aaMOaaog maw; aaylanJ Ileys aal;ou 014 •,f;aad0ad ay; Jo ales pue Iuauna;sul ,f;Ianaas sup fq paanaas suns ay; Jo u01311aaja3311 ut ;jnsaa ,few 331 ;ou ay; u! paupads a;ep ay; aaojaq a0 110 ;Inejap ay; aan3 o; aanjlmJ ;1114; (p) pue :paana aq ;sum ;pn'Jap 01 ;'l !1' fq `aaMOaaog o; uan0 sl aal;ou ay; a;ep 014; uoaj s,fup p£ 111114; ssaj ;ou 'amp 11 (o) :;In11Jap 014; aana o; paalnbaa 1102;011 ay; (q) :;jnejap 014; (11) :,fjlaads jugs aal;ou aqi •(aslMaay ;o sappioad Meg ajgealjddd ssapun gI uol;aas aapun uol;11.13193311 0; aotad ;ou ;nq) ;uawna;sul ,f;lanaas sly; ul ;uawaaa21 a0 ;UIuanO3 fu11 jo g3Baaq s 2u!MOj1oj uol;eaajaaae o; aolad aaMOaaog O; 3311ou 9.4 jjeys aapua7 •sa!pawag :110 •dnu11alj 411luauzuollnug 1111 20,2 Iapuag uo uotl11ftigo ,iu11 man 14114s uia1014 �ut14lol�I •M111 leluauzuonnug 43IM 00U111/100011 u! suol;oe Ietpot= Azuss000u 4111 0)4111 ,iilduzozd ilegs zaMonog `,Cr ssaoau si XIzadozd 043 Supo0JJ11 aOuelsgns snOpI11z11H ,iu11 Jo uot;etpautaI Ia4lo 10 I11notua1 ,Cur ;1114; `Aped al11nud ,Cut JO `Xluoglne Xzol114naz Io j11luauIuzano2 ,(u11 paTJT;ou s! 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Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives 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 Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: F Pri ame: Printed Name: [Please Complete] State of Wyoming County of Lincoln Carol England [Space Below This Line For Acknowledgment] Before me the undersigned authority, on this day personally appeared Carol England known to me (or proved to me through an identity card or other document) to be the person(s) whose name is subscribed to the foregoing instrument, and acknowledged to me that he /she /they executed the same for the purposes and consideration t erein expressed r' Given under my hand and seal on this day of 1 t -r, (Seal) Loan No:: 966887 Wyoming Mortgage- Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT —THE COMPLIANCE C INC.— 11111111111111 11111111111111111111 11111 Page 13 of 13 om Hudson L. 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