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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] PART OF LOT 2 OF BLOCK 21 OF THE AFTON TOWNSITE, LINCOLN COUNTY, WYOMING BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: COMMENCING AT A POINT WHICH IS 24 -3/4 FEET WEST AND 115 -1/2 FEET SOUTH FROM THE NORTHEAST CORNER OF SAID LOT 2 AND RUNNING THENCE WEST 115 -1/2 FEET; THENCE SOUTH 66 FEET; THENCE EAST 115 -1/2 FEET THENCE NORTH 66 FEET TO THE POINT OF BEGINNING. Parcel ID Number 0-3-11-278 which currently has the address of 426 JACKSON 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 under the Note or this 6(WY) (0005) Page 3 of 15 h c� Initials: Form 3051 1/01 LO /L L90E WJ04 --itr s(euiu g L (0 q abed (2000( (AM)9 siunotue 0941 `ajgtAed aiagM pue uagM 'Spoan) C d pegs .iaM01.1og `1anieM qons jo Juana alp uj lunuM u! aq Siuo Sett zantem irons Suy awn Sue w swan Moxosg jje .to Aue .ioj spund .iapua' o1 Aed of u0.11E2jjgo s,1aMOJ1OH a■1eM Sett xapual •sutalj MOxosg jje JO Aue 10j spund agi Sed 01 uoilatjgo s,1amo11og santem xapuaJ ssajun suualj Mo1osg .103 spun] agl lapuai Red jjegs zamozzog •uotloas snp xapun mud aq of slunouue jo saopou jje .iapua'j o1 gsiuxn3 Sjldtuoxd imp 1aMO-uog •tualj Mo1osg ue aq pugs sluatlssasse pue saa3 `sanp gons pue 'za /Olxog Sq pamoxosa aq 'Atm Jr `sluatussassy pue `saa j `sang uotletoossy Sltuntutuoj rem agnbal Amu iapua -j `ueol ag1 jo mar aqi 2uunp awn Sue le xo uo$eut5uo 1y „•suuall Molosg„ paljeo aze sum! asatJ •pj uotloas 3o suoisinozd aql tpim aouepi000e ut sulniulazd aouexnsul a2e211oj, jo 1ua u d ag1 jo nag ui zapua- of iamonog Sq ajgeSed sums Sue .10 `,Cue 3i `sumiuuazd aouexnsui a2e21zow (p) pue :S uopoas xapun zapua-J Aq pannbal aouexnsui jje pue ,Cue zo3 stunnuazd (o) :Atm 3t `Auadold 0941 uo slum puno.12 10 sluatuhd pjogaseaj (q) :Auado1d 0941 uo aouexqutnoua 10 uaij E se luatunzlsuj Slunoas sup lano 410!1d menu two gotgm small .laglo pue sluauussasse pue suer (e) :zo3 anp slunotue jo luauuSed io3 aptnoxd or „spund„ am) tuns a `jjn3 ut pied st aloN agl jpun `aloN 0941 zapun anp ale sluau1Aed oipouad Sep 0941 uo zapual or Sed Hugs 1am0110g 'swan n+ofsg .103 spun3 •sluatuSed otpouad agl 30 `lunowe 0941 auego xo 'amp anp 0941 auodlsod 10 puma 1ou pegs aloN aq1 lapun anp jedtouud o1 spaaoozd snoauejjaostjnj .10 `spaaoozd aoue1nsut `sluatuhd jo uotleogdde Auy •a1°N agl ut pagt1osap se writ pue sa ngo luatuSedazd Sue of ISIi3 patjdde aq Begs sluatuAedald Szelunjon anp Sa;3aego altj Sue 01 patjdde aq hut ssaoxa gons `sluatuAed otpouad azout x0 0110 3 luatuhd jj113 am of patjdde si luatuhd ag1 Jaye slsixa ssaoxa Sue 1eg1 maraca agl oy •jj11 ut mud aq LIED luauu fed goes 'rem 1 lualxa am 01 pue `3t sluatuSed oipouad am Jo luatuiedaz 31.11 01 1amoxzog W013 pantaoa1 wauged Sire Sjdde Attu zapual `2utpuelslno su luauuSed otpouad auo twirl axotu 3I •aazego alel agl pue luatuAed luanbutjap am or patjdde aq Amu luawSed am `anp a.tego awl Sue iced o1 lunotue luato1Jns e sapnjoul golgM luatuSed otpouad luanbuljap a x03 zaMOJJOH tuogg luautAEd a swop= xapua1 3I •aloN a113o aouejeq jedtouud agl aonpax of uagl pue luauululsuj Slunoas stgl zapun anp slunoui zaglo Sue or pumas `saazego awl or 1s.ut3 patjdde aq pugs sumo= 2ututetuaz Auy •anp atutoaq 1! gotgm ut zapio 0941 ui luai -u d otpouad goea or patjdde aq Ijegs sluauuSed irons uotloas xapun anp slunoute (o) :a10N 0941 zapun anp jedtouud (q) °a10N 0941 iapun anp Isamu”! (e) :Aluoud jo zarmo Sutmojjo3 0l1 ui patjdde aq pulp zapua-j Aq patjdde pue paldaooe sluauiSed `z uotloas sigl ut paquosap astmzaglo se ldaoxg •spaaao.ud s0 sluautAed 30 uotleajjddy •z luatunzlsuj Alt.moas stgl Aq pa.1noas sluautaax3e pue slueuanoo 01412utuz031ad 10 lua1un11suj Sltlnoas stgl pue a10N 0941 mapun anp sluauuSed unjeuu 1110x3 1aM0fl0g anatja1 pegs 1apua T lsute;3e am1n3 am ui io MOU aneq 1g2ttu 1amo11og gotgM tutejo .10 1as33o oN •a.1nsoloaio3 0l .uoud Alaletpaunut a10N ag1 .zapun aouejeq jedtouud 2utpuelslno agl of patjdde aq rum spunj gons `zaijzea middy 1ou 3I •lamoxzog o1 tuagl mural JO spunj gons Sjdde .uaglta jjegs xapua-I 'awn 3o pouad ajgeuosea1 a utglum os op 1ou sanp 1aM0110g 3I •1ua11no ueol aql &utuq 01 luatuSed saNetu .iamo.uog'thin spunj patjddeun gons Nog Sew 1apua-j spunj paijddeun uo lsa1alut Aed 1ou paau 1apual uagl 'amp anp pajnpagos sr! 3o se patjdde Si luatuhd otpouad goea 3I •Paldaooe are sluatnSed gons amp am le sluatu,4ed pus Ajdde of pale;3tjgo 1ou si xapua7 lnq 'alnln3 alp ut sivauged jetted 10 luatuAtd gons asnJa1 or slgg1z srt or aoipnfa1d 10 1apuna1ag sit ft Sue 3o zantem lnogltm `1ualzno ueo' agl 2uuq of luatownsut luaUJSed jetln d xo lua1n Ed Sue 1d030e Setu lapuag •lua11no ueo1 aq1 2uuq of luatoujnsut ale sluaulSed jetlxed .10 luauIAed aql 3i luawSed jetl.ued 10 luau 1 d Aue ulnlaz Amu 1apua'j SI uopoas 911 suotstnoxd aopou 0 I1 glim a3uep1000e ui zapua-j Aq paltu2tsap aq Amu se uopeooj xaglo gons 1E so a10N 3141 ut paleu2!sap uoileo01 at 1 1e p3n11331 uagM zapuai Sq pantaoa1 patuaap axe s1uauWSed •xaJstuexy spund otuoxloajg (p) JO `A1pua 10 'Altjeluaulnzlsut `Soua2e p uopa3 t Aq palnsul ale sllsodap asoTM uotlnitlsut Ue uodn uMe1p st raw gons Sue papino1d `Noago s,latgsto .10 vow s,xaxnstaxl 'raw Nueq `)joago paptuao (o) `zaplo Sauouu (q) `gseo (e) :zapua' Sq paioajas SE `5111103 2utmojjo3 alp 3o aIOtu 10 0910 ui apetu aq luatutulsuj Slunoas stgl put a10N 0941 xapun anp sluatuXtd luanbasgns jje .10 Sue 1eg1 alinbai Attu xapua-j `piedun Japual 01 patunlal st lualunxlsul A1tlnoas due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement 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 ®6(WY) (0005) Page 5 of 15 Initia Form 3051 1/01 L0 /L 6 90E WJOd gum `anp tram 1ou JO zaglagm `lua11mzlsul Al still Aq pampas sums am o1 pajddd aq !lugs spaaoozd aoUEZnsu! 0141 `pauassal aq mom Xlunoas s,zapual z0 aigisua3 Xiiuoiuzouooa 1011 s! zredaz 10 uollEZolsaz 0141 jI •.iamonog jo uogeMggo alos 0141 aq !lugs pum spaaooid aoueznsu! am jo ino pled aq 1ou !lets .zamo.uog ,iq pauiglai `sallied plugs zaglo zo `szaisnfpg oilgnd zoj saag •spaaooid lions uo Sguluma .to ma'am! Jfue zam0Uog Aud o1 paiinba.r aq 1ou dugs zapual `spaaoord aoueinsui lions uo mud aq o1 ma'am! Sazlnbaz Mg I atquoiiddd zo &mum U1 apeui Si 1uauu0ai2e uu SS JUf °palaldruoo s! 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SpIEZE1 za1410 CUE puu „`aguzanoo papualxa„ =al 0141 ulgl!M papnpu! spIEZE14 `aril sq SSO! 1SU!EgE pamsu! k1odozd 0141 uo pal0aza z013g0z311 10 gups!xa Mou sluauranozdur! 0141 claw! Hugs zamoUOg •a0ueansuI Spado.rd •S •UEOZ sup g11M uopoauuoo u! zapU0j sq pasn aOlnzas gugrodaz Jo /pug uol1EOpuan xE1 alma lean E zo3 agJE10 aura -auo E iiud 01 zamoJOg az1nbaz ,CEW zapua'l uOpoas sup lit anoqu tuo3 las SUO am JO 010111 10 auo glut z0 Uall 0141 iJS ES HEgS z3m0zz0g `110n1S Si 009011 1E141 140114M U0 amp 014130 situp 0! uigl!M sIepiuI 91, {O 9 aged (9000) (AM)9 a) ji4O7hSO 08 7 2084 9 the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. 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 C> 6(WY) 10005) Initials: CA v Page 7 of 15 Form 3051 1/01 10 /L L90E w1Od 8l to 8 abed Ir :sielpui 180001 (AM)9 •punJaa Sue 01 aanMoaaog a1111ua Iou Him Sag1 pue 'a3ueansul aeglaolk ao3 amo IP aae+oaaog iunocuu aq1 aseaa3ui Iou Him sluautaaae tons •uuoi alp Jo suual aaglo ,fun JO 'aauemsui aSe8laoyti ao� ,fed of paaaae seq aamoaaog 1eg1 siunoute aLD pa33e loll Ilan sluaivaaae tons Sud (e) :zagiJnd „•aoue.msutai anildeo„ pauual uago si ivautaugzze aql `Jaznsut 0141 oi mud suzniaiazd all 3o ants a .ioj auetoxa ui )Isu monism all jo azegs a swim Japua•l 3o aleirtur ue 1e11 sapinozd luautaa 2v tons 31 •sassol 'utonpaz .to `3isu s,iainsut a;Iauout 0 l &utjtpout 10 2uuels zoo a2uptoxa ui `a3uuznsul aguVuojAi Joj sluautAed s,Jamozzog jo uoiizod g (sr pazual3u°ret3 aq iq itu Jo) utol3 anuap le siunoure (Spoanpui .to Swaiip) antaOa1 Aleut `Sutaazo3 ati 30 ,Cue Jo alu pi33p Sue Jo `iClilua Jatpo Cup `Jaznsutaz Sur `JaJnsut .tagloue `aloN all 30 lasegoznd iiug `Japua'l `sluaximal& asagl ;0 iinsaz p sy °(sutniutazd aouetnsui a ut'uoy, mop pauteigo spunj apnloui Cum toigm) alquitenu aim! 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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 unearnecJat 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. Initials C A I Page 9 of 15 Form 3051 1/01 L0 /L L50£ WJoj s�¢iliu� 5l 0 01. e (goo()) (AM)9 puaumaisul Animas slip aapun luau'annbaa 2ulpuodsaiioo aq1 Ajspus Iltm puaumnnbaa me- algeotlddd alp `mw algsotlddd aapun pasmbai osle st luatunnsul Altmoas sup Aq pannba.r aopou Aue 3I •aapua-1 Aq pantaoat Ailunioe Ipun aapua-1 01 uanTS uaaq anvil of pump aq lou Ilegs ivau'napsul Animas sup gltm uopoauuoo ut aotlou Auy •aamoaaog o1 aotlou Aq ssaappe aagpous paleuaisap seg aapuai ssalun uraraq palms ssarppe s,.rapuai of ltetu ssuio isag Aq ii 5umsu' Aq ao it 2uuantlap Aq uant2 aq logs aapuag of aonou Aud •aurp auo Aus le luaunuisul Apunoas sup .spun ssaippe aotlou palsuS1sap auo Aluo aq Aeum aaaq,L •aanpaooad pagroads Tap gSnoagl ssaappe jo a2uego a uodai Aluo logs aamoaaog uagl `ssaappe 3o a2uego s 2utuoda.r .roj ampaooad a sari toads aapua- 3l •ssaappu jo auego s,Jamouog jo aapua- Aipou Alldwo1d Hugs aamoaaog •aapua] of aotlou Aq ssaapps aotlou ainmsgns a paisudrsap seq aamoaaog ssalun ssaappy Auadoid aT1 aq ins ssaippe aotlou atj •astmaaglo saatnbaa Alssaidxa mri algeogddy ssalun s1amo.uog lie of aotlou ainppsuoo logs aamoaaog auo Ale of aotloN •susau' aaglo Aq lugs It ssa.rppe aotlou s,.ramo11og 01 paaantiap Aiienloe uagm .10 'Fur sseio 1sa3 Aq palteu' uagm aamoaaog of uant2 uaaq aneq of patuaap aq Ilegs luatunalsul Animas slip g11m uopoauuoo ut aamoaaog 01 aotlou AUNT 1utltrm ut aq I Sr1tII luatunaisul Animas sup gp!m uopoauuoo ut aapuaq JO aamoaaog Aq uanr2 saopou tld •saai ;oN •Si •a2amgoaano Tons Jo mo 5utsue aneq Ipu' aamoaaog u0rpoe ;o 11.15u Aus 3o aantem s ainitpsuoo 'um aamoaaog o1 maw/cud poaaip Aq opal' puma' ions Aus jo aousidams s,iamo.uog •(a1oN agp .spun ao; paptnoad st amp puatuAedaad e 1ou ao .raglaTm) aaego luau'Asdasd Ale lnogltm puawicsdaad letued s se palsau aq iitm uotlonpa1 aqi Isdtouud saonpaa purtla' a 3I •aamouog 01 luauIAsd paw) a Sunlsu' Aq JO a1 °N all .spun pamo ledtouud ag1 $uronpaa Aq punpaa sup Mlsur of asoogo Asm .zapuarl •aamoaaog 01 papunjaa aq iinm swim pap papaaoxa gotgm aamoaaog urog paloalloo Appalls sums Aus (q) pus :Tug pantuuad aqi o1 agaego aqi aonpa.r 01 Aaessaoau mums ag1 Aq paonpa.r aq Ilsgs aasgo ueol Bons Aue (s) :uagl 'swim palltuuad ag1 paaoxa ueo-I ail Tptm uotpoauu0o ut paloalloo aq 01 so paloalloo sa ng° usol aagio .10 Isamu!! aqi Imp os palaadaalut Ausui; Si mei legl pue `sa8aego usol u'nu'txsur alas gotgm mel s 01 loafgns Si uso ag1 JI •maw algsotlddy Aq 10 luaum AltmoaS sup Aq paltgtgoad Aissaadxa are Imp saaj aSasgo lou Aeu' aapuarl •aaj Tons 3o 2uiSiugo aq1 uo uotltgtgoid a se pan.rlsuoo aq iou pegs aamoaaog o1 aaj oppads a aaego 01 ivaumaisul Aiunoas slip ut Aluoglne ssaadxa jo aouasqu ag1 `saaj aagpo Aug 01 maw ul •saa3 uopunlun pue uotioadsut Auadord `saaj ,sAau.'o11e `01 paitunl 1ou pnq iutpnpui `ivau'rulsul Animas sup aapun sig5u pue Auadoad ail ut lsaaaput s,.rapuarl 2utloal0ad jo asodind all aoj `llneiap s,aamoaaog gltm uopoauuoo ut pauuo31ad saornaas ao3 saai aamoaaog a2.rego Asur .rapuarl •salaeg3 uuo7 'Pi •aapuai Jo suStsss pus saossaoonS agi mgauaq pus (pZ uotloaS u! paptnoad ss idaoxa) purq Hugs mammal' AltmoaS slip jo spuauraaas pus slueuanoo ag,l, IupTim in amp/ Tons 01 saaa& aapua) ssalun ivarunaisul AlunoaS sup aapun Alillgeq pus suopatlgo s,aamoaaog u1013 passalaa aq iou hags aamoaaog •luau'ruisul Aitanoas slip aapun sitjauaq pus s1g2u s,aamoaa0g JO HE utslgo iiegs `aapua -I Aq panoldde st pus `2utium ut ivaumaisul Apunoas sup aapun suopango s,aam0aaog saumssu own aamoaaog 3o isaaalul ut aossaoonS Aue 'g1 uotloaS Jo suotstnoad aT1 01 loafgns •luasuoo s,aaugts -oo aqi lnogltm a10N ag1 10 luaunuisul Alunoas sup Jo strum aqi 01 maw q;tm suotispounu000s Aue a}Ieu' 10 aeagaoj `A3rpou' `puma 01 gams ueo aamoaaog aaw10 Aue pus aapua-1 1mI1 soar& (o) pus `luatunalsul Altmoas sup Act pamoas stuns alp Asd of palapqo Allsuosaad 1ou sr (q) :luaumapsul Aiunoas slip Jo suual ag1 aapun Auadoad a 11 ut isaaaiut s,aauSts -oo aI 1 Aanuoo pus iue1W `aSs2uotu o1 Ajuo ivarunalsul Animas srgp &1.1tu2[s -oo st (s) „aau2!s -oo„ e) aporl alp alnoaxa iou saop png luatunalsul Alunoas slip su2ts -oo oqm aamoaaog Aue `aanamoH •leaanas pus lutof aq 'legs Auitgeti pus suopatlgo s,aamoaaog is p saaage pue spusuanoo aamoaaog •punog suStssd pue saossaoonS :saau3ts -co :A1iligsi'I pagans pue mot. '£i 'Aparuaa JO 11141 Aus Jo astoaaxa ag1 apnioaad 10 Jo aantem a aq you hugs `anp uagp punts aqi trap ssai slunoum ur JO aamoaaog Jo lsaaalul ut saossaoonS JO satitiva `suosaad mull map sluatuAed jo aoueidaoos s,aapua -1 'uopeltmtl lnogltm `2utpnloui Apau'aa 10 1115u Aue 2utsraaaxa ut aapua-1 Act aousmagaoj Aud •aamoaaog Jo isaaalul ut saossaoonS Aus JO aamoaaog Ieut2u0 alp Ai apeu' pusmap Aus Jo u0seaa Aq puaumapsul Alunoas sup Act paanoas sums alp Jo uopsztuou's Ajrpou' astmaallo ao luawAsd ao3 aunt pualxa o1 asnJaa 01 10 aamoaaog Jo lsaaalul ut aossaoonS Aug s2 lsuls sSutpaaooad aouaururoo 01 paatnbaa aq you logs aapua-I •aamoaaog Jo isaaalul UT saossaoonS Aus ao aa aamoog Jo Annqutl aqi assalaa 01 aleaado 1ou hugs aamoaaog Jo valour' ut aossaoonS 'Sue JO aamoaaog 01 aapua? Aq palusa luau'nalsul Animas slip Aq paanoas sums agp Jo uojleztuorus Jo uotpsoTJtpour ao luauiAsd ao3 amp aq1 ;o uotsualxg •aant1M a ;OBI aapual fig aaueaeaga0d :pasealag ;old aamoaaog •zi vsov-s° 0872084 -6(WY) 10005) '7 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 Initials: Page 11 of 15 Form 3051 1/01 L0 /L L90£ wJod Tr :siegpi 5L; (0000) (AM)9- CIO •dnuualj luluatuuodtnug tie 103 dapuarl uo uopattgo Slue ma10 Ilegs utaiaq 2utglot °mu'1 IeluatiuO1!Aug g11M aouepi000u Ut swum tetpaurat kiessaoau IIe a)1 Alldurold !pugs IaMOIog `kressaoau si Auadoid 0141 t'utlaa33e aouelsgns snoplezeH Aug 3o uopetpauiai Iaglo .10 Cen0utal 1iue 114141 `hued alenud ,iue do `Alpoglne £Iolgjngad .10 tuluODUU1anO$ iiue Xq patjnou st do 'sum' Iamo11og 31 °Auadoid am 3o amen 0141 slOage ICtaslanpe gotgm aouglsgns snoplezeH 3o neap.' do asn `aouasald am Act pasneo uotltpuoo ,itm (o) pue `aouelsgns snoplezeH Aug 3o aseala3 30 maim 10 aseal0J `aiegostp `$upleat `5u11i1ds Cue `01 paltuIri lou inq dutpnput `uotltpuoa leluauruoltnug Cue (q) `apatmou1 !mar set! 1amo11o11 Ipp1M 3o Me7 teluaunro.rtnug io 0o11e1sgns snoplezeH iue pue Auadodd a141 5'utntonut Aued alenud 10 Aoua$e klolein2ad do teluaunuano3 Niue tiq uopoe .ra Jo 1tnsMel `puutuap `wtep `UOtlMMIISOAUt Jfue (e) 3o aopou ualltdm .Iapua7 0nt2 Aildtuold hugs Iamollog •(slonpord Iatunsuoo ut saouelsgns snopiezeq `01 paltunt lou lnq &utpnput) 1uadodd ag13o 00Ueualutetu 01 pue sasn tutluaptsad teUUOU 01 aleudoidde aq o1 paztu2oaad Jittulaua2 0111 mg saouelsgns snoplezeH 3o saptluenb Items 3o Iuadold 0141 uo a$elols 10 `asn `aouasa.rd alp o1 Aldde lou Ilegs saoualuas oM1 2urpaoard 014,1, •Auadold alp Jo amen agl sloa33e Apsdanpe 1eg1 uoptpuoa a saleaia `aotrelsgns snoplezeH u 3o aseatas io `asn `aouasaid ag101 anp `gO[gm (o) Jo `uotltpuoJ Ieluautuodtnug ue saleaIO gotgm (q) `Me1 teluau1U011Aug Niue JO U011e10tn 1.11 st 1E141 (E) iil.ad01d 0141 $a[1Oa33e 5ut14lifUe 'op 01 asp auoStre Motto IOU `op 1ou Ite14s damollog •XuOdodd 0141 ut so uo `saouelsgns snoplezeH Aitm amp.' 01 Ualeartp 10 `sa0uelsgns snoplezel Iiue 3o aseal01 10 `02elols Iesodstp `asn '0ouasaid 0141 ltuuad s0 asneo 1ou Hugs .ramo.uog •dnueaID Ieluauruodtnug try 1055!11 asTM1a1410 do `01 alnquluoa `asnea ue0 1e141 uo!IIpuoO a SUEOUI „uolltpuo3 teluatuuoltnug„ ue (p) pue `mwl Ieluauruoitnug ut paugap Se `uopOe Ienotu0r 10 `uotlae Ierpacuad `uotlae asuodsai Niue sapnput „dnueala tuluatuuodtnug„ (a) `uopoalold Ieluatuuoltnua _to ,Claps 'wall 01 01eta1 111141 plum! st (uadold alp a1a14M uopotpsunf a1413o smut pue sMet Ielapa3 meow „Merl tglu0UUl01rnug„ (q) stetdaletu anjl0eotpe1 pue `apiCgapieut°ro3 10 solsagse 5UtutuluoO sleualeul 'maws attlejon `sapptglati pue sapppsad 01X01 `slonpold umatojlad 0!x01 10 atgeururu13 101410 `auasoda)l `autiosa :saouelsgns 5utmott03 alp pue Awl 1110 uuodtnug Act salsuM 10 `sltrelmlod `saouelsgns snopdezeg so 013(01 Se paugap saouelsgns aso141 ale „saauelsgns snoplezeH„ (e) :IZ uopaas sup ut Tram sy •saauelsgns snop.IezeH '1Z •pZ uop0as St141 SUO!S!AOJd uotloe anpaaddoo a)te1 01 iiltunuoddo pue aapou 0141 Armes o1 p011Iaap aq hugs g I uot1Oas o1 luenslnd Iamomog 01 uan!2 uotlerala0ae 3o aOtlou 0141 pue ZZ UoIIOas o1 luensmd JP/110110U o1 uant2 arm 01 I1lunuoddo pUe uotle1atao0e 3o aatlou atJ •14dg1fered s1141 3o sasodlnd 103 algeuosead aq 01 patuaap aq !um pouad aural 111 `ua)tel aq ueo uotloe utellaO alojaq asduta lsnur go!14M pouad aural u saptnoid Me-I atgeotlddy i wpm anpaanoO 0)1111 01 aatlou lions 30 gutnt8 0141 .1023u pouad algeuosual a 0101014 ifued .101410 0141 papio33e pug i0Uaiq pagalle lions 3o (SI uoUOas 3o sluatu01mba1 0141 1411M a0uetlduloO ut uant2 aatlou !Ions glint) ,Cued 101410 0141 pagtlou se141apua1 do 10M011og dons !pun `1uaturulsul tiltinoas sup `30 UOSUa1 'Cq panto ,i1np Cue 10 `3o uotstnoid J Ue pagaealq se14 Rued 101410 0141 legs S0 01111 111141 10 IUatunllsul /ilydnoas stgl 01 luensind su0pae s,Cued Iaglo 0141 wog sastle 111141 (sop a 3o Iaquraut x141 Jo 1tru$t111 Ienptntput ue 1014110 se) 'rape lu!Otpnf Iiue o1 pauiof aq 10 `uiof `aOUaurtuoO dour dapua-I .tou 1aMO11og 1agltaN •1ase14olnd aloN 0141 paptnoid asiAlamo ssaiun Iasegoind a1oN paurnsse 10U ado pue 1aalndas 01101 1oSSaaans a o1 pa1103sue11 aq 10 notion ugo1 0141 1411M mutual 'gm .IOM0110a o1 suojle8ggo 8uIOtnlas Imo! 02e2uoul 0141 `0101,1 ag13o dasugoind 0141 ue141 101410 laatnlas ueo1 a Aq pa0tnlas st ugo1 x141 101311010141 pug mos Si a1ON 014131 •8upinlas 3o dajsue1130 aatlou a gljM uotloauuo0 ut salrnbal 087 Z p 34 NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 9 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 stile. 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. -6(WY) (0005) Page 13 of 15 Initials: Form 3051 1 /01 LO /L LSO£ WJOI IOMO.11Og- 10M0110g- (ieaS) (leas) 1aMOiiOg- 1aMO110g- (leas) (leas) IaMOiiOg- laMO11Og- (leas) (was) lamming- (Pas) 91.0 b L eBed It tilin% papiooai pue .iaMo log painoaxa .zaptg Niue ut pue luau iu sul Aipnoas sigl ui pauieluoo slueuaAOO pue suual alp of saai5e pue sldaooe lamouog `MO1 U ONINJIS AEI (woo) (AM)9 d0 :sassauliM tRozlis° oto s4 STATE OF WYOMING, The foregoing instrument was acknowledged before me this MARCH 07, 20 01 by CURTIS W HADERLIE My Commission Expi My Commission Expires 8 l R 2. County of Lincoln Kerry Millich Notary Public 0 -6G(WY) (0005) State of Wyoming sk )Z, 2003 Lincoln County ss: Initials: Page 15 of 15 Form 3051 1/01