HomeMy WebLinkAbout871820After Recording Return To:
JACKSON STATE BANK
112 CENTER STREET /P.O. BOX 1788
JACKSON, WYOMING 83001
This Mortgage
SEE BOOK. ®F MRT&AW
PAR E `?0
*Olt w ay
This ,Mort Sage
11011.01 MORT&AR0
DEFINITIONS
[Space
❑Adjustable Rate Rider
Balloon Rider
01 -4 Family Rider
871820
ove This Line For Recording Data]
MORTGAGE
❑Condominium Rider
❑Planned Unit Development Rider ❑Other(s)[specifyj
Biweekly Payment Rider
Second Home Rider
initials
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BOOK PR PAGE i
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. Certains rules regarding the usage of words used in this document are
also provided in Section 16.
(A) "Security Agreement" means this document, which is dated February 15 2001
together with all Riders to this document.
(B) "Borrower" is Jeffrey Michael Reiter and Wendi Jo Reiter, Husband and wife. as tenants by the
entireties
Borrower is the mortgagor under this Security Agreement.
(C) "Lender" is THE JACKSON STATE BANK Lender is a State Bank organized and
existing under the laws of the State of Wyoming.
Lender's address is 112 Center St., P.O. Box 1788, Jackson, Wyoming 83001. Lender is the mortgagee
under this Security Instrument.
(D) "Note" means the promissory note signed by Borrower and dated February 15, 2001
The Note states that Borrower owes Lender One Hundred Forty Thousand
Dollars and no /100
Dollars (US 14 0 0 0 0 0 0 plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full no later than March 1 2031
(E) "Property" means the property that is described below under the heading "Transfer of
Property."
(F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late
charges due under the Note, and all sums due under this Security Instrument, plus interest.
(G) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The
following Riders are to be executed by Borrower [check box as applicable]:
WYOMING SINGLE FAMILY Fannle Mae/Freddle Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 1 of 16 plpgas)
LOA I.9OI W IN]Wf1H1SNl WIiOdINt1 GIPPeJAMeIN aluuej AlIWdd 3IONIS --ONIINOAM
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peleul6uo uolloesueJl a uegl Jaglo `spun! to JelsueJl Aue sueew „aajsueal spun o!uoa ;oal3,, (f
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property located in the County of L i n c o 1 n
Lot 59 of Nordic Ranches Division No. 5. Lincoln County,
Wyoming. according to that plat filed August 9. 1994 as Plat
No. 311 -D.
which currently has the address of 135 Buckskin Way
[Street]
Etna Wyoming 83118
[City] [Zip Code]
TOGETHER WITH all 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 be covered by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as "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 US 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
and all subsequent payments due under the Note and this Security Instrument be made in one or
more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check,
bank check, treasurer's check or cashier's check, provided any such check is drawn upon an
WYOMING— SINGLE FAMILY Fannie MaelFredie Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 3 of 16 pages)
initials
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escrowed by Borrower, and such dues, fees and assessments, shall be an Escrow Item. Borrower
shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall
pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds
for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any
and all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver,
Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for
which payment of Funds has been waived by Lender and, if Lender requires shall furnish to Lender
receipts evidencing such payment within such time 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 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 sums secured by this Security Instrument, Lender shall promptly
refund to Borrower any Funds held by Lender.
WYOMING SINGLE FAMILY Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 (page 5 of 18 pages)
initials
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All insurance policies required by Lender and renewals of such policies shall be subject to
Lender's right to disapprove such policies, shall include a standard mortgagee clause, and shall name
Lender as mortgagee and /or as an additional Toss payee. Lender shall have the right to hold the
policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all
receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage,
not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall
include a mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender.
Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower
otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was
required by Lender, shall be applied to restoration or repair of 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 insurance proceeds until Lender has had an
opportunity to inspect such Property to ensure work has been completed to Lender's satisfaction,
provided that such inspection shall be undertaken promptly. 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. Unless an agreement is made in writing or Applicable Law requires interest to be paid on
such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on
such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be
paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or
repair is not economically feasible or Lender's security would be lessened, the insurance proceeds
shall be applied to the sums secured by this Security Instrument, whether or not then due, with the
excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for
in 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, the 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
WYOMING SINGLE FAMILY—Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01
(page 7 of 16'jages)
202
initials
I.0 /4 650E Wand IN]WfW.SNI INEIOAINn oeW 9 IPPaaa/aeyy eluusA AIIWdd 310NIS
iuewi(ed 6ul4senbaa a8MOaaoe
o; aapual woal a0140U uodn `lsoJe4ul Lions 14lIM `algeAed aq Ilegs pue luewesangslp to amp ay;
woal alai 040N ay; 4B ;swap aeeq hays slunowe asegi 1uawna4sul *noes sly4 Aq paanoas aaMOJJOB
to lgep Ieuol41ppe ewooaq keys 6 uol4oes slyl aapun aapuen i(q pesangslp slunowe i(uy
.6 uol4Oas sIg4 aapun pezlao44ne
suolloe lie JO Aue 6upiel lou aol Apilgeil ou sanoul aapua- 1eg4 paaa6e sl 41 •os op o; uol4e6llgo ao
i(lnp Aue aapun lou sl pue os op 04 aneLi 40U seop Jepua '6 uolloas sigl aapun uol4Oe ARID aapual
46nog4ly •llo JO uo pewnl salllllln aney pue `suompuoo snoaa6uep JO suolleloln apoo aaglo ao 6ulpllnq
aleulw'la `sedid woal JeleM uleap `sMopuiM pue scoop do paeoq ao eoeldea `s){ool abuego 'suede.'
a){ew of Apadoad ay4 6upe ue 'o4 pallwll lou Sl lnq `sepnloul AlJedoad ay4 6uunoes •6ulpaaooad
i(Oldn.olueq e Ul uolllsod pampas 644 6ulpnloul 'luawn4sui *noes slgl aapun sly6u ao /pue
Apadoad eq4 Ul 4saaalul s4I 4oa4oad o} seal s,Aewo4le algeuoseai 6uli(ed (o) pue :pnoo ul 6uueadde
(q) :luewnalsul A41anOes sly; aano llaolad say golgM mall e Aq paanoas swns Aim 6u!I ed (e) :04 pe41w!I
40U aae 4nq `apnloul ueo suolloe s,aapua •Apadoad eq4 6uuledea ao/pue 6uunoas pue 'Aliedoad eq
10 amen 8q4 6ulssesse ao/pue 6ul4oa4oad 6ulpnloul `luewnalsul A4lanoes sly; aapun s4g6la pue Apedoad
eq4 ul 4Saaa4ul s,aapue1 4Oa4oad of aleudoadde JO algeuoseaa sl a0AO4eyM col iced pue op Aew aapual
uegl `Apadoad eyl pauopuege set.' JeMOaaoe (o) ao `(suol4eln6aa ao SMeI eoaolua 04 .10 luawnalsU'
i4pnoes S1141 JOAO Allaoud Ule44e stew 4O14M mall a lO luewaoaolue aol `aan4lapol ao uolleuwepuoo
aol '04egoad `Aoldnaolueq ul 6ulpaaooad se Lions) luewnalsul A41anoes slg4 aapun s4461a Jo /pue Apedoad
0 144 uI 4seaa4ul sdepual page A14ue011lu6!s 4 le144 6ulpaaooad le6al e s! wag' (q) luawnalsul
'l!anoas sly; ul peule4uoo s4uawOaa6e pue SlueuenoO 0144 waoped 04 sllel aaMauoq (e) lI •;uewna ;sul
A ;lanoag sly; aapun sp4611 pue Apedoad ay; ul ;seaa ;ul s,Jepuai j.O uol ;Oa ;oad '6
eouepisaa Iedloulad s,aaMOaaoe se Apedoad 0144
to Aouedn000 S,aaMOaaoe 6uluaaOUOO suolleluesaadaa '01 pellwll 4ou ale 4nq `apnloul suolleluesaadeJ
Ielaa4eVll
•Ue0 0 144 14l!M uo14OauuoO Ul (uollewaolul Ielaalew Li4IM aapual apinoad 04 pap; JO) aapuei
04 swewa1e4s ao uo14ewJolul a4eanooeul .10 '6ulpeeislw 'OSlel AIlelaa4ew ane6 4uasuoO .10 e6palMOU)I
s,aaMOaao9 1441M JO aaMOuoe to uolloaalp all 4e 6ul4oe sel41lue JO uosaad Aue JO aaMOaaog `sseooad
uo14eOlidde Ueo 0 144 6 uianp 'lI 4lnelap w aq 'legs JOMOaaog uol ;eollddy ueo- s,aaMOJJO •g
•asneo
algeuoseaa Lions 6u1Alloeds uol4o0dsul aouelul Ue Lions 04 aoud JO l 0w14 0 144 4e a0lloU JeM0J10fg anl6
Neils aapual •A4Jadoad all uo s4uewenoadwl 0 144 to aolaalul ail loedsul Aew aapue- 'asneo algeuoseaa
sey 4I ll •Apadoad ay4 to Suo!IOadsul pue uodn SOU4Ue algeuoseaa °N{ew Amu lue6e Si! ao aapua
•u0!leJOlsaa ao aledaa Lions to uollaldwoo 044 col uolle6llgo s,aaMOaaoe
to penallal 40U sl aaMOaaoe 'Apadoad 044 aao4sal JO JiedeJ 04 4Ua►O!llns 40U 0Je spaaooad uo14euwepuoO
ao 8OUeansu! 0 144 ll "palaldwoo sl )laoM 9144 se s4uawAed ssaa6oad 40 sagas e ul JO luawi(ed
e16uls e ul uo14eao4saa pue suede.' 0144 aol spaaooad esangslp Aew aapue •sesodand ions aol spaaooad
pasealaa sey Japua1 4! Apo Apadoad 0144 6uUO4seJ .10 6Ulaledea aol elglsuodseJ aq begs aaMOaaoe
'Apadoad 0144 10 6uPlel 0144 ao `04 a6ewep gIIM uogoeuuoO ul pled aae spaaooad uol4euwapuoo
ao aoueansul ll •96ewep ao uol4eaopelap aaypnl pion 04 pabewep lI /cpadoad 041 aledaa A14dwoad Heys
J0MOaaog 'appeal AIeO!W0U000 40u Sl uolleaolseJ ao medal 4e144 9 U014Oas 04 4uensand peulwaalap Sl
4! ssalun •uol4lpuoO 81! 04 anp amen ul 6ulseaaoep ao 6u14eaoua4ap woal i(pedoad 0141 IUOAOad o4 mop
ul i(pedoad 0144 u1e4u1ew keys aaMOaao8 'Apedoad ail Ul 6U1p1saa sl aaMOaao8 4ou JO aalla14M •Apedoad
WYOMING SINGLE FAMILY Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01
initials
204
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of
the lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or
terminate or cancel the ground lease. Borrower shall not without the express written consent of
Lender, alter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold
and the fee title shall not merge unless Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making
the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If,
for any reason, the Mortgage Insurance coverage required by lender ceases to be available from the
mortgage insurer that previously provided such insurance and Borrower was required to make
separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the
premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously
in effect, at a cost substantially equivalent to the cost to Borrower of the Mortage Insurance previously
in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage
Insurance is not available, Borrower shall continue to pay to lender the amount of the separately
designated payments that were due when the insurance coverage ceased to be in effect. Lender will
accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance.
Such loss reserve shall be non refundable notwithstanding the fact that the Loan is ultimately paid in
full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.
Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount
and for the period that Lender requires)provided by an insurer selected by Lender again becomes
available, is obtained, and Lender requires separately designated payments toward the premiums for
Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in
effect, or provide a non refundable Toss reserve, until Lender's requirement for Mortgage Insurance
ends in accordance with any written agreement between Borrower and Lender providing for such
termination or until termination is required by Applicable Law. Nothing in this Section 10 affects
Borrower's obligation to pay interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain
losses it 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 risk in exchange for
a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance."
Further:
(page 9 of 16 pages)
S e /nUl
1.0 /1. l50£ wood 1N3Wnd1SNI I HOdINf LJ aIPPaaJ/eaW aimed— A-IIw /A 31DNIS—ONIWOAM
ao; WIelo e al ;es o; paeMe ue a>{ew o; saw (eoua;ues;xeu eq; ui peul;ep se) Aped 6ulsoddp
ay; mu; aannOaaog o; aapue Aq eoi;ou as ;e ;I JO `aaMoaaog Aq peuopuege si Apedoad ay
*anp uay; sae swns ay ;;ou JO aeq oqM luawna;su! A;pnoes sly; Aq paanoes swns
eq; o; paHdde eq !lays spaeooad snoeueHaoso; ay; `6ui ;iJM u! eea6e es!NueLno aapue- pue aannoaaog
ssalun `amen u! sso! ao `uoi ;ona ;sap `6ui>,e; lelped ay; aao ;eq Ala ;e!pewwi paanoes swns ay ;o;unowe
ay; uay; ssal s! amen ul ssol JO 'uo! ;ona ;sap '6uple; lelped ay; aao;eq Ala;e!pewwl Apadoad au; 10 enlen
le)$aew ale; yoigM uI ApadoJd eq; ;o enlen uI ssoi JO `uoi;ona ;sap '6up{e; lelped a ;o ;UOAe ey; u!
•aaMOJJOe o;
pled eq !lays eoueleq Auy •enlen u! ssol .10 'uol;ona ;sap `6uple; lelped aq; aao;eq Ala;elpeww! Apadoad
ay; ;o enlen le>{aew ale; eq; (q) Aq pepinlp amen u! ssol ao `uollona ;sap '6u!>{e; lelped ay; aao;eq
Alelelpewwl paanoes swns,eg4 ;o ;unowe !e ;o; ay; (e) :uol ;oea; 6u!Mollo; ay; Aq palldl;lnw speeooad
snoeuelleosm ay; ;o ;unowe ay; Aq peonpaa eq Heys ;uawna ;sul A;Ianoes sly; Aq paanoes swns
eq; `6uI ;uM uI aaa6e esiMJeq ;o Japuei pue aeMaaaog ssalun `amen ul ssol ao `uol;ona ;sap '6uple; lelped
ay; aao;eq Ala;elpeww! ;uawna ;sul A ;Ianoes sly; Aq paanoes swns ay; ;o !unowe ay; uey; a01e9a6 .10
o; lenbe sI amen uI ssol JO `uol ;ona ;sap '6uple; le!ped aao;aq Alelelpawwl Apedoad au; lo anien;a>Iaew
JIB; ay; yoIgM uI Apadoad eq; ;o enlen uI ssol ao `uol;ona ;sap `6uple; lelped a ;o;uane ay; ul
•JeMOaaoe of pad 'Aue ;l 'sseoxe ay; Li ;IM
`anp uay; lou ao aayle!M `;uawna;sul Allmon sly; Aq paanoes swns ay; o; peiIdde eq !legs spee3oad
snoeuelleoso; ay; `A iedoad eq; ;o enlen ul ssoI ao 'uol;ona ;sap '6uple; lelo; a ;o ;vane eq; u!
Z uol ;oas
uI ao; pepinoad Jepao ay; ul pe Idde eq !lays spaaooad snoeuefeosIW Lions •aannoaaog o; pled `Aue
`sseoxe aq; Li;IM `anp uey; mu ao aaq;egM 'luawna;sul A ;Unoes sly; Aq paanoes swns ay; o; peiidde
eq is spaeooad snoeuelleoslw ay; `pauessal eq mom A;unoes s,Japuei ao alglsea; AfeolwouoOe
;ou sI aledaa ao uol;eao;seJ ay; •speeooad snoeuelleosi j Lions uo s6u!wee ao ;saaa;ul Aue aannoaaog
Aed o; paalnbei aq ;au Heys aapue 'speeooad snoeuelleosu/ Lions uo pled eq of ;saga ;ul samba! Mel
algeoHddy ao 6ul;!JM uI apew sI ;ueweaa6e ue ssalun •pe4eldwoo s! >lam n ay; se s ;uewAed ssea6oad
;o salsas e ul ao luawasangs!p eibup a u! uo!leao;seJ pue saledea ay; ao; Aed Aew aapue •Al;dwoad
ua>lepepun eq Heys uolloedsul Lions mu; pepinoad `uol;oe;sl ;es s,aapue- o; peleldwoo ueeq say )Ia0M
ay; aansue o; Apedoad Lions loadsul o; A;lunpoddo ue pay say aapuei !Run speeooad snoeueJeosi fg
Lions ploy o; ;Op ay; aneq !lays aapue-j 'looped uolleaolsaa pue liedeJ Lions 6uuna •peuessal
;ou s! A;unoes s,aapuel pue alglsea; AIeolwouooe sI aledeJ ao uol;eaolseJ au; 1! `Apadoad au; lo aledaa
.10 uol;eaolsaa o; paHdde eq Heys speeooad snoeuepeoso; Lions `pe6ewep sI Apadoad ay
•aapue of pled eq Heys pue o; peu61sse Agaaaq
eae speeooad snoeuelleosiW !!y
aan;Ia;aod :speeooad snoeueueoswJ 4o;uauiu6issy •1-
•uo feulwaa; AO uol;ellaoueo yaps ;o awl; ay; peuaeaun
°JaM;eg; swnlwead eoueansul e6e6plow Aue 43 punJaa a eAIeoaa 31 1g61a ay; apn;oul Row s;g61a
ase •MeI say ;o Aue ao 8661- 4 ;ad uol;oa;oad saauMOawoH ay; aepun aoueansul e6e6pow
ay; o; loedsaa g ;IM -Aue jI -say JOMOaaog s11161a ay; ;osge;ou IIIM s;uewaaa6e Bons Auy (q)
•pun;aa
Aue o; aaMOaaog emus IOU IIIM Aay; pue `eoueansul e6e6plow ao; OMO IIIM aaMOaaos ;unowe
eta aseaaoul ;OU IIIM s;uawaaa6e gang •ueo7 eg; ;o swag; sag ;o Aue ao 'aoueansul a6e6POW
ao; Aed o; peaafe sag aaMOaaog ;eg; s ;unowe ay; ;aaua;OU IIIM s ;ueweaa6e gaps Aub (e)
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 the 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 an, 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.
AD 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 due, shall not be a waiver of or preclude the exercise of any right or
remedy.
13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower
covenants and agrees that Borrower's obligations and liability shall be joint and several. However,
any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a)
is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in
the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the
sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can
agree to extend, modify, forbear or make any accomodations with regard _to the terms of this Security
Instrument or the Note without the co- signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall
obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be
released from Borrower's obligations and liability under this Security Instrument unless Lender agrees
to such release in writing. The covenants and agreements of this Security Instrument shall bind
(except as provided in Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection
with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights
under this Security Instrument, including, but not limited to, attorney's fees, property inspection and
valuation fees. In regard to any other fees, the absence of express authority in this Security
WYOMING SINGLE FAMILY Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3061 1/01
(page 11 of 16 pages)
Initials
S /e/I! W
iuewn .1isul
/(;lanoas slgi to pue aloN 0 141 to /(doo auo uan16 eq pegs Jamo og Ado s,aaMOaaog •L.
uollOe Aue amei of
uo1w611go Aue lnogl1M uoga .1oslp alos Sanl6 „Auw„ paoM agl (o) pue :es.19n eoln pue Ieanid 0yl apnloul
pue ueew pegs aeln6uls ay; Li! spaoM (q) :4apua6 eululwat ago to spaoM .10 pJoM aalnau 6ulpuodsauoo
apnloul pue ueaw pegs aapua6 aupnosew 0141 to spaoM (e) :luewnalsul /(4lanoes slgi ul pasn sv
•uolslnoad 6u!1O!ItuoO 041 inogl!M i uanl6 eq UBO 14O 4M
01oN ow JO luewn .1wul *noes sly; to suolslnoad asgwo l0ane lou ;legs loptuoo Lions `Mei algeollddy
14M slo!Ituo3 eloN 0141 ao luewnaisul 4ilan0as sly1 to esnelo .10 uolslnoad Aue 1 14 wuane agi Li! ioealuoo
/(q luawaa.16e 1sule6e uolilglgo.1d e se penatsuoo eq lou pegs aoueps Lions inq `luaus eq ig61w
11.10 loa luoo Aq ee 6e of sawed ag1 Mope Alilolldwl ao Aiiloudxe ly61w Me algeollddy Meg algeollddy
to suoilei!wp pue sluawaalnbaa Aue of loafgns ale luewn 4sul i p noes sly; ul peuleluoo suolle6pgo
pue s1g6la Ily •paleooi sl Auedo .1d 0141 piton ul uollolpsunf eql to Mel 0141 pue Mel imam /(q pawano6
eq pegs luawnaisui /(lun0es slgl •uollona;suo3 ;o salna :A11Ilgeaan :Nun 6uluaanoD •91.
.luewnaisul Alpnoes Soo lapun luawalinbaa 6ulpuodsa.1aoo 6144
/isoes lilts luewe.1lnba4 Meg algeollddy ogi `Me1 algeollddy aapun pa .1lnba.1 osie sl luewnalsui /i!anoes
s1141 Aq paalnbaa a000u Aue lI •4apua1 /(q pani00aa Allentoe !Run aapue of uenl6 uaaq anal 01. pawaap
eq lou pegs luewnaisui /t;lanoas slgl gi!M u000euuoo ul a000u ituy J6M0J .108 04 aoliou Aq ssaappe
4a14loue paleu6lsep suit 4epuei ssalun ula .1eq pawls ssaappe s,aepue of pew sselo isalt Aq it 6 ulllew
/(q .10 ll 6upan11ap /(q uan16 eq pegs aapu0- 04 a0llou /tuy awls auo Aue le luewnalsul /(ilanoes s1141
aapun ssa 4ppe a000u paleu6lsep auo Apo eq i(ew 0.1041 aanpeooad moods legs Li6no4g1 ssaappe
to abuego a pods.) Apo pegs JOMO.1 .1og u8141 `ssaappe to a6ue4o, s,aannoaaog 6uq.iodaa sot a.1npeoo.1d
e saltloeds aapuai tI •ssa .1ppe to e6uego s, .1aMOuog to Jepuei tliou ilidwoad pegs aaMOJ .1og
•4apu0i of a01;ou Aq ssaappe a000u e4nilisgns e paleu6lsap suit J6MOaaog ssalun ssaappy flJedo.1d
0 141 aq pegs ssaappe a000u 041 as!Mae4;o saalnbaa /(lssa .1dxe Mei algeollddy ssalun saaMOaaog Ile 04
a011ou alnl!lsuoO pegs aaMOaaog auo Aue of aolioN •sueaw aa4lo Aq lues tl SSaappe a000u s,aaMOaaog
04 paaanllap A4 enl0e uagM .10 pew ssei0 ;salt Aq mew uagM aaMOaaog 04 uaaq anvil of pawaap eq
pegs luawnalsul *noes sly; Loon uolloauuoO w aaMO .1.1og of a0llou /(uy •6u11! .1M ul aq isnw luawnilsul
Alunoes slgi gilts u000euuoO Li! aapual .10 aaMOaaog Aq uan16 saollou Ily •seolioN
•e6aegoaano Lions to lno 6ulsue aneg ig6iw
.1aMOJ.1og u0000e to 1g614 Aue to Janie/A a alnl!isuoo !pm .1aMOaaog of luewAed 106 .11p /(q spew puma.'
guns to aoueideooe s, .16nno .1 .1og •(aloN 0141 aapun lot pepino.1d sl e6aego lu0wAeda .1d a lou JegleLiM)
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a0npaa 04 /Gessa0au lunowe 0141 /(q pOOnpa.1 eq pegs a6 .1e40 ueoi Lions Aue (B) :u0yi 'quip paii!waad
agi paa0xa ueoi agi gi!M uoli0auuoo ul p040apo0 se64ego ueol .1a4lo .10 isa .1alul 6141 iew os pale 4daalul
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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 and 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, shall continue unchanged. Lender may require that Borrower pay
such reinstatement sums and expenses in one or more if 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.
WYOMING SINGLE FAMILY— Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3051 1/01
208
(page 13 of 16 a ges)
initials
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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 accleration 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 Section 22, including, but not limited to, reasonable
attorney's fees and costs if 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 attorney's 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 release and waives all rights under and by virtue of the homestead
exemption laws of Wyoming.
WYOMING— SINGLE FAMILY Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01
(page 15 of 1'f pages)
initials
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