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HomeMy WebLinkAbout872536Return To: Prepared By: Sharon Walker DEFINITIONS 872536 [Space Above This Line For Recording Data] MORTGAGE LINCOLN RECEIV COUNTY CLERK JE ANN WAGNER KEMUMtMlEREf WYOMING BOOK- 46 2 PR PAGE 221 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 together with all Riders to this document. (B) "Borrower" is J Steve Perry and Karen Perry, Husband and Wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is Major Mortgage Lender is a A Wyoming Corporation organized and existing under the laws of PERRY, S. AF 1061287 WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT ®6(WY) (0005) Page 1 of 15 MW 05/00 nit VMP MORTGAGE FORMS (800)521 -7 91 Wyoming March 30, 2001 VI 11 1 Form 3051 1/01 1 11 1 11 'ddSg2I lapun „mot a2s2uouz polypi ATiuzapaj„ g sg Ajtignb 1ou saop ueo-I ag13t liana „mot a$smuout paigiaz Aiiezapal„ s o1 p1e�a1 lit pasodun ale letp suotlopisaz pun sluatualtnbal Tie o1 szajaz „ddSgj„ luatunllsui AlpnOas sItil Ut pasn sd •Jailgul ioafgns autgs aril sulano2 1gtTl uotluinSal 10 U0tieisI5OI 1ossaaans 10 ieuoptppe Attu so `anal of aun utozl papuatus aq 1qptut Aagl se `(OOS£ Uud 'TAD tZ) x uotisin2011 `uonjn2ai 2upuautaiduit sit pun (•bas la 1O9Z uotloaS 'D'S'n ZT) 1Od salnpaOOZd luautailias alulsd Teak aql suuatu VdSI (0) •luau n11SUI AltlnoaS sup Jo uopoos lapun siunotu Aug (11) snid `aioN aril lapun isalaiut pus izdiOupd (t) zoj anp lunotue painpanos Airein2az aril small „luatuAgd atpotaad„ (N) .0 0, I aril `uo iinelap 10 `3o ivautaduou atp sue lapual Supoalold aouulnsut sueaut „aaug.msuI agual"toNT„ (NT) •Auadom aril Jo uotimuoo 10 /pue amen am 4 01 Se SU0 SStUJ0 s0 'Jo suopuluasaldalsttu (A!) 10 :uotleuUtapuoo Jo Hatt Ut OOUSA0n110O :A110d01d aqi ;o lzed ARE so TIE JO I01110 10 uotleuuzapuoo (tt) :Auadold aqi `Jo uoporuisap 10 '01 ageutgp (t) :1o; (S uopoas lit pagi1 Sap sa2uzanoO ati1 lapun mud spaaoozd aou unlit until latilo) Aued pztgl Aug Aq mud spaaoold 10 `sa2uutep 3o plume luautapias `uotiesuadutoo Aug sum „spaaoo1d snoauuiiaasm„ (I) uotloas ut pagt1osap a1s 1e sutalt asotp stream „mum AtO1OSa„ (g) •slaJsng11 asnotputzsajo paieutolne pus `s1oJsueli aJTM `auogdaial Aq palstuut siojsuell `suopousUg11 autgo m zaTTai patutuoine `slajsugll ales-Jo-mod `01 palttuti lou st inq `sapnput twat lions •iunoOoe lie itpa1O 10 ltgap Ol uotlnitlsut iutOUeug e azpotilns 10 01U1SU! `1apIo 01 se os adgl Otlau5um JO `zaindutoo luauxtu2SUt atuogdaiai `Tgutuual automata lie gpn0zg1 paigp!U! st tptgM `luatunzlsut laded leitutts 10 `llglp `)TOatTO fig palEUT2l0 U0t1OESUE11 a ustJ3 laglo `spunj Jo 1alsugll Aue stream „iajsugay spund otuoipaia„ (r) •uotisztUe2lo 1eTTUtts 10 uotletoossu slauMOaUtoq `uotlstoossu umtuttuopuoo g Aq Auadold am 10 1aMO11og uo pasodmt 31u 1e111 sort iO lagio pus sluatussassu `saaj `sang Tie suuatu „sluatussassd pug 'saa3 'sang uotlgpossy AltununuoJ„ (1) •suotutdo mown!' aig1 igadde -uou `mut; aiggotiddu TTe Se 'tam Si (Met JO loajJa aql aneti TRIM s1ap10 pue saint OA!1 11stuttupe pus saOUeutplo `suotlein2al `sa1n1e1s moot pus alsls 'Tglapal aigeotiddu guijjoliuoo nu stream „ntgr aiquatiddy„ (g) aouuansuI a2u2 oy1 [Ajioads] (s)latii0 Japtg luaus ed AlvaMtg 1apt�T Allured j7 T iaptg luaumdoianac ltufl Pa U Td Japtg autog puooas 1apt21 umtututopuoD 9l lot e8ed L8ZT9OT 3y •S `AJ1 d zaPt2I VA laptg uoojieg zaptg 0 1g11 aiq isnfpd 222 9 %4NO (5000) (AM)9- [aiggotiddu sg xoq lamp] 1amo11og Aq palnOaxa aq o1 ale slapt2T 2UiMOiioj arty •19M01108 Aq palnOaxa a1g iegi luatunllsuI AitlnoaS snit 02 slam ire suuatu „saaptg„ (0) Isamu! snid luautnllsuI AltznoaS sup lapun anp sums ire pus `a10N aril zapun anp Wimp aisj pus saFmno maul/Maid Aug Isamu! snid `a2oN atii Aq paouaptna igap aril sueaut „ugo'„ (3) „•Auadold aqi Ut supra 3o 1ajsuely„ unman aril lapun Moiaq pagtlosap st igtii Auadoid atii stream Alladoad„ (a) 9TH T I'PW trent Jam iou TTnj ut lgap alp ad of pug sivatuAed otpouad 1einSal Ut Nap sup ad 01 pastutold on 1aMo11og •lsalalut snid 00 '000 8ZT 's'n) s1ejjou 00T /ou pup pUPS11oui A'quaMI paJpU11H anp lapuaZ samo zamoitog iggi saieis aioN arty TOE 08 UoJPW Pa1gp pue 1amonog Aq paints alou Azosstut0zd atTi maul „aloN„ (a) •ivauttulsuI AipnOaS sup lapun aaauoUJ a t1 st lapua1 TOOZ8 AM eUUe/ auJ aAV /'a,a P3 HE st ssalppg s,lapua1 OS7R' 3(i TRANSFER OF RIGHTS IN THE PROPERTY (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. 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] See Schedule C attached hereto and made a part hereof. Parcel ID Number 12- 32183020512000 which currently has the address of 152 Madison Street [Street] Afton [City] Wyoming 83110 [Zip Code] "Property Address 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 un. r Note or this PERRY, S. 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Such insurance proceeds shall be applied in the order provided for in. Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or 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 PERRY, S. AF 1061287 -6(WY) moos) Page 7 of 15 Initial Form 3051 1/01 22? 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These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid 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. PERRY, S. AF 1061287 (gp 6(WY) (0005) Page 9 of 15 Initials. Form 3051 1/01 L0 /L LSOE WlOI 9L 1 0L B69d (90001 (AM)9- CZ 4/ 0 laiii L8zT90T V 'S ')HHd •luatunzlsui ,f1!1noas stip iapun luauiaztnbaz 2utpuodsazioo all rilstlES Item luatuaztnbaz mE'i ajgEOtiddy atp `mug gjgeotiddy zapun paitnbaz ow sr luatunzlsui rilunoas spp Cq paiinbai aotlou riue ji •zapua'i AI pantaoa.t ri ""gn m pun zapua'i o1 uant2 uaaq aim' 01 pauiaap aq lou pegs luatunzlsui Altmoas sail tptM uopoauuoo ut aotlou riuy •zamozzog of aotlou riq ssazppe iaglotte paleuatsap set" zapuaq ssa"un utaiati pawls ssazppu s,zapua'I 01 pew ssgp mu riq it ffummu At io li 2uuantiap riq uant2 aq "jets Japuaj 01 aotlou Ally auto am Aue Tr luauinzlsui ,iitmoas spp zapun ssazppe aotlou palEUStsap auo ,ijuo aq Amu aiatj, •aznpaoozd pap roads imp 112nortp ssazppu jo amp E uodaz ri"uo "juts iamoi1og uagl `ssazppE jo amp s,zamozuog 2upzodaz zoj ampaoozd E satjioads zapua-i 3I •ssazppE jo auEgo s,zamonog jo zapua'i ,ijtlou ,ipdmozd "Jets zamonog •zapuaj 02 aotlou riq ssazppe aotlou alnitlsgns a pawwatsap set zamozzog ssajun ssazppy riizadozd atp aq "jets ssaippE aopou 0111 •astmzatlo sazinbaz Aissaidxa Mg'" a"geotjddy ssa"un szam0110g HE 01 aotlou alnitlsuoo fEts zamozzog auo rills 01 aotloN •suuatu zallo riq lugs Jr ssazppE aotlou s,zamozzog 03 pazant"ap Align= uagm zo put sop lug riq papal uatm zamozzOH 01 uant2 uaaq gout 01 pauiaap aq "juts luatunzlsui Xitznoas stgi tptM uotloauuoo ui zamoziog 01 aotlou riuy &upUM ut act lsntu lugtutulsui riltmzas sttl tptm uotioauuoo tit zapua1 10 zamozzog Act uant$ saotlou "iy •saataoN •si •a21Etozano tons Jo ln° 2utspu atm' 1t2tui zamozzog U011OE JO 311$!1 Ate Jo zan1Em E alnitlsuoo tpm 10MOJJOg of luatuXed loaztp riq apgui punpaz tons rills jo aoueida000 s,zamouog •(aloj\" 0111 zapun zoj paptnozd sr amp luauzAedaid E loll 10 zatlagm) amp luautrfedaid rice lnotljM wow/Maid "epzed E se palEazl aq "pm uotlonpaz 0111 `jedtouud saonpaz puniaz E 3I laM0110g 03 luauirigd loaztp E 2uPjeui riq to aMON 0111 zapun paMo judtouud 0113 5'utonpaz riq punjaz sop a3je111 01 asoogo XEtu zapua'j •zaMozlog 03 papunlaz aq 'pm smug pauttuzad papaaoxa tott n zaMOZZOH wag paloal"oo Apgaz"g stuns Aug (q) puE `.lout" palltttuad agl of amp alp aonpaz 01 rizussaOau lunotuu aql Aq paOnpaz aq puts amp two' tons nitre (E) :uat1 'mutt" palltttuad gip paaoxa u 0•-1 agl gltm uotloauuoo ut 901001103 aq 03 zo paloaloo sag1El) not zag10 10 lsazalut atp Tow os palazdzalui riuuut!3 st me" lull pug `sa2zego Imo" tuntutxEtu seas gomm mei u 01 loafgns st ueoi ag13I •mg'i ajggot "ddy riq z0 luaunulsUI JCIPTI.MS stgl Act paitgtgozci ri1ssaidxa air rip saaj a Betio loll huh zapua'I 'aaJ tons Jo &uiamtp 0111 uo uojltgttozd E SE patUlsuoo aq loU Hells zaM0110 01 aaJ opioods u amp 03 luatunzlsui '!lungs sit. ui rilu0tlnr ssazdxa 3o aouasge all `saaj zaglo riue 01 Nam ui •saaj uo1Enien pull uopoadsut Auadozd `saaj ,sriatuol3E 'to palttul loU lnq Iutpnjout luatunzlsui ,iltznoas sill zapun siq iz pug rilzadozd all ut lsazalut s,zapua'i 2twoalozd 3o asodznd all zo3 lInejap s,zamo.uog tI!M uotloauuoo ut paUuojzad saoinzas zoJ saaj zaMOlJOg 0$zE113 riEtu zapua-1 •sagtutD ugo' •bi •zapua-I jo satsse puE szossaoons atp Tpauaq pus (OZ uotloas ut paptnozd se idaoxa) puiq "jets luatunzlsui Allmon sop Jo sluautaaz2E pug sluEUanoo at j Iutlum ut amp' tons 01 s03z2E zapua'i ssa"un luatutulsui rilunoas sop zapun Amtget" p B suot3E$iigo S,zamozzog 11101J pasuajaz aq lou 'lugs zaMOZZOg •luatunzlsui Amnon sttl zapun sli auaq pull slt2t1 s,zaMOZZOg jo Iiu utElgo imp `zapual riq panozdde st pug `2utlUUM to luaumzlsui Allmon spp 1apun suotlOtjgo s,zaMO.uog satunssu own zamozzog Jo lsazalu" ut zossaoons Aue `gj moon Jo suoistnozd all 01 loafgns •luasuoo s,zauats -00 atp lnotpIM 310N all 10 luautnzlsui Altm3as sop Jo suual all 01 pzegaz tltm suoi1Epotutu000E Aue a)JEW 10 now `A3ipout `puma 01 aaaE UED 13M0110g zatw() Auu pull zapua'i 1et1 saaae (3) puff :luatutUisui Altm3as sop rCq paznoas sums atp AEd 01 palatigo A"juuoszad lou sr (q) :luatunzlsuI Altzums sop Jo sl u01 all zapun filmdozd all ut lsazalut s,mauats -0o alp Aanu00 puE w 12 `a2u2lzotu 01 Ajuo luatunzisui ,iltznoas stip 2utuats -03 st (E) „zau2ts -oo„ g) a1°N all alnoaxa 1ou saw mg luatutulsui Alunoas sits su2is -oo own zamonog rice `zanaMOH •jgzanas pug lutof aq pegs Alum!” put suotlatggo s,zaMOZZOg 1e saaaE pug slueuanoo zaMOZZOg *punt su2psy pull saossaaans :statais -0D :A1tltggrI puanas pug mot* '£i •Apatuaz 10 1112u Attu Jo ast0zaxa all apnpazd 10 Jo zantuM E aq loll "Jets `anp ua111 lunotue alp imp ssaj s1un0LUe ut JO 13M0110g Jo Isamu' ui szossa00ns JO satlpug `suoszad 9111111 uzoul slu3WAEd 3o aougldaooe s,zapua1 `uotlElnuii lnotl1M 'utpnput Apatuaz JO 1tgtz AUE 5utspzaxa ut zapuaq Aq aourivagzo3 Auy •IOMOZZOH JO 1s0z011Ii Ili szossa0011s AUE 10 zamozz0g "EUt2uo alp Aq apEtu purmap Atm Jo 110seaz Aq Iuatutulsuj Allmon sail Aq paznoas stuns atp Jo uoi1EZjlzotum A3tpout astmzatlo JO luaulAEd zo3 atutl puma 01 astgaz 01 10 zaMOZZOH JO 1Saza1uj Ili JOSS33011s AUE 1surg2u Ouipaaoozd aouauttuo0 03 paztnbaz aq loll jjEgs zapua'i •zaMOSJOq Jo lsazalui ut szossa00ns Atte zo zamozzog Jo Aliitgeti all amp.' 01 alzzad0 loll pulls zaMOZZOg Jo 1Sazalui ut tossa00ns riur zo zaMOZZOg 01 zapua1 Ai paluUZ2 matutt lsui Allmon sop Aq pamoas stuns all Jo uopezpzotuu Jo uo!IEOmpoui 10 1110111h 103 011i11 0131 JO uoisu0lxg •tantrum u loisj tapua' Aft aaugtgagtog :pasuaiag loNi tamottog •ZI 0 0872536 231 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial 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 PERRY, S. AF 1061287 -6(WY) (0005) loitia. Page 11 of 15 Form 3051 1/01 L0 /L LSOC WIOd 91. to t e6ed (9000) (AM)9- L8ZT90T 3d 'S 'ad3d •dnueajD Te2uatuuoi!Aug tie zo3 zapuaJ uo uoi1e8tigo Cue aieazo uegs utazag ffung1oN pAri teluauzuoz!Aug tpIm aouepz000e ut suopoe imam= Azgssaoau Apdtuozd !legs zamozzog `iessaoau sl ,ivadozd am $utloaJJe aoumisgns snop1ezeH Cu ,e jo uotletpauiai zaglo z0 lenoutaz nitre Teal `Jived alenud /Cue zo `Auzotpne Aioletn2az zo teluauzuzano2 Aug q pagtlou st JO 'sweat zamozzog 3I •Suadozd alp jo amen att1 spajje Aiaszanpe qopvit aouelsgns snoprezeH e o aseatai zo asn `aouasazd aql Aq pasneo uotltpuoo Niue (o) pue `aouglsgns snoprezeH Niue jo aseaiaz jo leaiq z0 aseatai `azggoslp '2upleat iuttitds Atm `ol palttut! 1ou lnq Butpmou! `uotlipuoj teluauzuoltnug Niue (q) `a2pa1M0u)I !ewe sett iaMoi.zog q3!qm jo Awl tuluatuuortnug zo aouelsgns snoplezeH Niue pue Suadozd atp $utntonut /Cued alenud zo ,iouage SiowIn2az zo teluatuuzano2 Niue Aq uotloe Jam° 10 1tnsMel `pueuiap `urtml0 `uope2psanu! Ifue (e) Jo aotlou ualltzm zapua1 an15 Apduzozd !tugs zaM0zz0g •(sTonpozd zaumsuoo ut saouutsgns snopi zeq `ol poutnq lou lnq lutpntout) /fuadozd agl jo aoueualuteui 01 pue sasn tepuaptsai teuuou Ol algudozdde aq o1 paz!u2ooaz Atteaauaff are 1e111 saouelsgns snoprezeH jo satltluenb !!nuts jo Auadozd am uo a2ez01s 10 `asn `a3uasazd atp of Aidde iou netts saoualuas oM1 2utpa3aid auj .Auadozd ag1 Jo amen a1 l wage Aiaszanpg leg! uotltpuoo g saleazo `aouelsgns snoprezeH jo aseataz JO `asn `aouasaid am 01 anp `gotgM (o) 10 uotltpuoJ teluaum0zinug ue s31e0z0 gotgm (q) `Mel leluautuortnug ,iue o uotleIOIA u! s1 Tem (E) iilzadozd a l 2up3aJje 3utgl,iue `op o1 asp auoIfue moue zou `op 1ou netts 1 M0zz0g 11.10d0zd 0q1 III JO 110 `saouelsgns SnoprezeH Niue aseataz o1 ualeaztll 10 `saauelsgns snoprezeH Aug o asuataz JO '02e101S `iesodsip `asn `aouasazd agl lttzuad 10 asne0 1ou netts zamozzog •dnuuaJD Iuluatuu0ztnug tze za$$!12 astmsamo 10 `01 alnquluo0 `asne0 tze0 1ett1 uotltpuoo g sue= uotltpuo3 ieluatuuoi!Aug„ LIE (p) pue :MeZ leluatuu0zlnug u1 paugap se `uotloe reA01110z JO `uotloe imam' `u0110 asuodsaz Niue sapniout „dnueatj Ie2uatuuortnug„ (0) :uotloaloid teluatuu0ztnua .10 IClaJes `111teag 01 aleiaz 1gt11 pale0OT st iivadozd am aiagM uopo!psunf alp JO sMet pue smut Iezapaj sueatu „MWT Igluatuuortnug„ (q) `sTeualetu anuouotpei pue `apAgaplutuzoj .10 soisagse 2ututeluoo stepaleui `sluantos °Melon `saptotgzaq pue saptotlsad 0txof `sionpozd umato.zlad 01x01 JO atquunueT3 zatt10 `auasozal `autiose2 :sa0uelsgns 2uyinoTioj alp pue Mei tuluau1U01!Aug Aq sa1SEM JO `sluelmtod `saouglsgns snopiezeg zo otxol se paugap saouelsgns asottl are „sa0uglsgns snoprezEH„ (e) :TZ uotl0as sup u! pasn sd •saaue ;sgns snOPatnBH '1Z '0Z uo110as sitt1Jo suotsinozd uo110u anpoazzo0 a)iel 01 1ltunl.ioddo pun aotlou am /jstles o1 pautaap aq !tells 81 uotloaS 01 luensznd zamozzog 01 uantS uotluzata00e o aojlou am pue ZZ u0t10aS o1 1uensznd zam0zzog o1 uanIS azno 01 'i1tunuoddo pug uotlezaIa00u Jo aojlou au •gduz2ezed spp jo sasodznd zoj aigeuoseaz aq o1 patuaap aq !gm pouad amp 1eg1 `ua3Tel aq 11E0 uopOE utguao azojaq asdeta lsntu g0lgM pouad amp u saptnozd mei aiqu3tiddy Jr 'uopoe antloazzo0 a)ie1 01 aotlou g0ns o 3u!n!2 aq2 za1ge pouad aiquuosuaz a olazaq /cured zaglo alp papzojje pue gweazq pa5alte gons jo (St uopoas jo sluauzaztnbaz ag1 pm aouguduto0 ul uant2 aotlou Ions 14tH) ,Cued zaglo x111 pagtlou sett zapuart JO zaMOZZOg Ions Itlun luatunzIsui Alun0as sup `Jo uoseaz Aq pam0 ii1np JCue JO 'JO uotstnozd Aug pagoeazq set! 'cued zaglo 0111 1gg1 sa2alle Imp JO Tuaumzlsul All sup 01 luensznd suotloe s,Alred zaglo ag1 utou3 sastre 1ug1 (sselo g jo zagtuatu alp zo 1uESjlti tenp!Alpu! ue _tamp se) aotlou mown(' Iiue o1 pauiof aq zo `utof `a0uatutuo0 ARM zapua-T don lamozlog zagltaN •zasgg0znd a20N am Aq papinozd astMZaglo ssalun zasggoznd a10N alp Aq patunsse lou are pug not/ins uuo1 lossa00ns g 01 pazzaJsuezl aq JO 100tnzaS ugoZ am gltm mutual !gm zaMOZZOg o1 suoge2pgo &ut0tnzas mot a2E2votu alp `aloN att13o zaseg0znd att1 uetp Jam° zaotnzas ueo-T paolmas s! ueo1 ag1 za2Jeazagl pue Nos s! aloN 014131 •2uto!nzas Jo zajsuez1 J0 aojlou a g1tM uotlOauuoo u1 sagnbaz 9T; 7,LSO NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this 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. PERRY. S. AF 1061287 -6(WY) moos( 233 mn Page 13 of 15 Form 3051 1/01 LO /L 1.90E wJO iamouog- (ieas) iamouog- (teas) iamouog- (Teas) PEZ 5 L la b l 9Bed L8zT9OT dd 'S A tHd iamouog- (ieaS) Jamoitog- (ieaS) iamouog- (i m (AM)9 sassaul ?M •1i Tim pap.1ooaz put iamozzog palnoaxa iaptg but ut put luauzn.lsul Ali1noaS sup ur pauttluoo slueuanoo puu suual OM 01 s00.12R put sidaoou iamoziog `MOlag ONIINOIS AEI 9C! SO O8%25 STATE OF WYOMING, The foregoing instrument was acknowledged before me this March 30, 2001 byJ Steve Perry and Karen Perry My Commission Expires: -6(WY) m05) PERRY, S. AF 1061287 Lincoln County ss: _2 "Notar Public Initi- Page 15 of 15 )Form 3051 1/01 235 pips pips paps N 99SL Vd :'ON ivauzitunuo3 �Ez a' uQaHwS '6uiuuT6aq go qutod auk oq qaa; TS 'a u9S,ST7oTO N aouagq T7 Torl go auTT lspa atp uo quTod p oq gaa3 00'66 '3 ,T7'£To88 S aouatl; :quTod p og gopaq go auTT gspa aup 6uoTp ;aaj OS'££T 'M u9S,STioTO S aouatp ;apaq pTps go quzod gsamgqaou au; oq 'gopa; go auTT upaou auk 6uoTp 'gaag 00'66 'M 'VC-CAS N aauat,Iq ;opa; paps go luTod gspaq aou aup 0 'T ;oZ pTps go auTT gspa agq 6uoTp 'Jaaj 0S 'E u9S,S7OTO N aauauf Cori pips go quTod gspaq aou auk Tp ONINNIOSg :sMoTToJ sp pagzaosap ATapTnoTgapd aaom 6uzaq BUTU1OIM 'iqunop uToouTZ 'uo ;gy 3o agTsuMo,Z TpuTST1O aq; 3o NooTS go T7 pup T slot go Tied T6 /TT smolloJ sE paciposap Si pue `uloourj Jo ifluno3 IututoiM Jo aids aui ut pap ?nits st IuaLUituttuoo sup ut OI panajoi pug' ma AIM Z86I V1'IW t MORTGAGE INSURANCE RIDER This Mortgage Insurance Rider is made this 30th day of March, 2001 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned "Borrower to secure Borrower's Fixed Rate Conventional Loan [identify type of note, e.g. fixed rate] note (the "Note to Major Mortgage, A Wyoming Corporation described in the Security Instrument and located at: 152 Madison Street,Afton,WY 83110 [Property Address] The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at the lower right corner that is earlier than 3/99): Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's PERRY, S. AF 1061287 Multistate Mortgage Insurance Rider Single Family- Fannie Mae Uniform Instrument CD-11R (0004) Form 4/ Page 1 of 3 MW 04/00.02 Initial #11 VMP MORTGAGE FORMS (800)5 riJ,T "Lender of the same date and covering the Property 11 11 1 1 1 1 1 1 11 risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (A) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (B) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. PERRY, S. AF (0004) 1061287 Page 2 of 3 Initial 238 Form 3160 4/00 00/17 09LE WJOJ lamoa1og- (igas) lam oiiog- (Igas) aamouog- (Nos) 6E2 ;o °Bed L8ZT90I .ramouog- (t ia (Teas) 1amouog- (igas) (tom a L L 'S 'A tfld luaunulsui Aliinoas all sivatuaiddns pug spumy 1! lgll saaag pug Japnj aoueinsui affalzow sill sidaoog aamozzog 'moiaq Suivais ,ig