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Liberty Title Escrow Co. Inc.
385 South Main Street 01 I 0 9
Providence, RI 02903
Prepared By:
DEFINITIONS
A. D'Ambrosca
This document is being recorded
by Southwest Title Company
as a courtesy only.
jSpace Above This Line Far Recording Data
MORTGAGE
RECEIVED
LINCOLN COUNTY CLERK
01 FE ..1 P11 2; 42
JEANNE 'N GNER
KEMMERER. WYOMING
4LJ 0 2 6
BOOK: PR PAGE
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 January 29, 2001
together with all Riders to this document.
(B) 'Borrower" is
Jerry A. Dummer and Connie Adele Dummer, husband and wife,
Borrower is the mortgagor under this Security Instrument,
(C) "Lender" is Dream House Mortgage Corporation
Lender is a Corporation
organized and existing under the laws of
Rhode Island
WYOMING- Single Family- Fannie Mae /Fr Odle Mac UNIFORM INSTRUMENT
Ck-61WY) moos) r
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Np1of15 1.1101 O L
VMP MORTGAGE FORMS (800152 91 h,
Form 3051 1 /01
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(P) ';Successor in Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and /or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and
modifications of the Now; and (ii) the performance of Borrower's covenants and agreements under this
Security instrument and the Note. Per 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)
The West One —Half Of Lots 1`,2 And 3 Of Block 5 Of The Fairview Addition
To The Town Of Kemmerer, Lincoln, Wyoming As Described On The Official
Plat Thereof.
Parcel ID Number: 12- 2116- 23 -1 -28- 259.00 which currently has the address of
(Street)
[City) Wyoming [zip Code)
"Property Address 810 Elk Street, Kemmerer,WY 83101
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 propeny. 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 a nt under the Note or this
-6(WY) i000si
Pape 3 of 15
Miti"h
Form 3051 1101
028
L0 /L LSOE 1411
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attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument, including
its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to,
entering the Property to make repairs, change locks, replace or board up doors and windows, drain water
from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned
on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not
under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all
actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
pay ment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the
lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless
Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. lf, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain
coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially
equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate
mortgage insurer selected by Lender, If substantially equivalent Mortgage Insurance coverage is not
available, Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to he 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 pretiums for Mortgage Insurance. If Lender required Mortgage
Insurance as a condition of making the Loan and Borrower was required to make separately designated
payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to
maintain Mortgage Insurance in effect, or to provide a non refundable loss 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, 1- ender, 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, 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
Burrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
Pepe B 01 15
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Form 3051 1/01
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to;yM sn000 saiusga septum so aujddettrat amp goes saSseto luanbasgns pus saotnsas uonsouluao pus
uotisuittuasap auoz poojs sou aSset{o atujf -auo u (q) to :saotntos 2upiosst pus uoueoupsao 'uofrutuualap
auoz poor; sou anew, atutt -auo s (e) ;satpta `ueo-i sttf Tim uotfoauuoo ut 'Ad 01 iamossog sambas
,Caw .i pua-i ,Cjgeuossasun pasjosaxa aq iou Hugs 1ySjs g M N `aotoga $,saMOJJOH anosddssip of ltltt
s,sapuan of iaafgns samossog ,cq uas0ta aq pugs aouesnsui am Stnp1nosd laulsn aoussnsut at j, •uecri am
so tidal ay1 lutsnp adueta trio saoualuas $utpaoaid am 01 lusnslnd sastnbas sapua-i mum 'sambas sapua-r
tug spo■.ad ags los pus (go/Lai ajgjlonpap Sutpn;aut) slunottte aril ut paujnsuretu aq ijegs aousinsut sou,
•aoussnsut saltnbal sapua'i TI MM sal 'spool; pus savenbtuea 'o pattwti iou tug dujpnloui spsszsy ratio
�(tre put; „'aSssanoo papuafxa oval at1 utyuM papnitrut spmzsu ssoi lsutaSs pasnsut +Cl-tadosd at]
110 patoasa latfeasat .ro Suiisjxa Mou ssuautanosduj at.I1 daafi pets samossog •aoutasnsui Sisadoid •s;
user! sit] Tim uopoaauoo ut sapus i 4q pasn aaTmJas Sutuodat
sofpu9 uoTiso1J!J A xe] =Ma real s dos aSssta aufti -auo g ,Cud 01 samwsog a.nnbas Arm laptta
aopaas 911{1 ut specie ttuos vs suonos am so wow
so auo slut .10 Uajl RI LOINS Bays saMOUOg 'uaA!S st a3t]ou istli talyM uo wisp ail ;o 9i(sp 0/ sitfi/A 'UPI!
T 0 rti3OTt'
032
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 shalt not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste an 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 Propeny if damaged to avoid funher 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 tinder this Security Instrument. If
(a) Borrower falls 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 tinder
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
61WY) (0005) Papa 7 of 15
Form 3051 1/01
Of 1 1906 wa04
EEO
etd!1
9t ID, teed
t0000t (AM)9-
agf WurAlltuapr wpm s aa4Oaaog a112 stew aapua7 '3uatutli3suj ArrinOas step aano t(luoud tarsus use gortj
uarr a o3 3aafgns si ,Cuadoad aqr Jo usd i(uu lgtp sautuuaiap aapua n •3uawnnsui Arran: sttp o3 uatt aqt
gunsurpaogns aapua-j o1 r(ao1OS3spss ivaazaaass ue ua11 aq3 jo maproq aqt tuoa3 sarnnas (o) ao °papnpuob gas
s5urpaanomd gnus !pun Arm Inc! `Sutpuaad are sliutpaaooad asogt align% aarr gip jo ivawanaooue aqa luanaad
or alsaado uorurdo s,aapua'j u1 golgn% sSurpaanoad rear 'ur uaq aqt do tuauuaoaojua isure2s spuajap ao 'Aq
min poo° ur ua11 mgt stsalnon (q) :tuawaaa!r tons Wuruuojaad sr lam037o11 ss 3uor os /quo inq 'aapual 02
algrldannv lauuvw s tar tzar' aqr Act paannas uopsgrlgo agf 3o 3uawiCtd ow of Sutlum rat sagas (s) :aamoaaog
ssalun 1uawnusuj /Cuanoas srg3 aano IUrlorld seq ga►gM uatr fus aSasgasrp Apciword'rugs aamonog
"E uOgz ur pap ;noad aauusau aqr ur wags Sold Bags aaiouog 'swan r oaasg ass sulait asatri ieui laaixa Mil
o j 'Aue d1 'sruauissassy pus 'saga •sang uoperoossy Mtununuo3 pus 'Xtle Jr ',tuadoad aq3 uo smttam punorl
ao sruautAed P1otiaseal 'ivaainalsuj ArrannaS srg3 rano Aipoud utesl8 ueo gorgM iSuadoad alp or algsingtai3s
suoprsodwr pus •sau1J `salagga `s3uauls5asss 'saxes fl Asa ;rags aan%ouog -snarl !saS,tggo 'b
'aapun"] Aq praq spund Ave a0M0ar013 of
punjaa ,{pdwoad [legs aapua-j `ivaumnsuj ,Granola s!qi >sq paanoas sums [is jo lln3 u1 luaw1Csd uodn
'sivaurked ,Clipuour z r usg3 glow ou ur vdsgE tjipt anuepioxne ut ,Cnualnuap alp dn
arrew 01 I(ressaoau rumours agf aapuan of .Sea 'legs 301033og pus 'yam' Aq parrnbaa sit iamouoa AJpou
[Tp� rapual 'VdSg?j aapun pauuap se 'Mows° ur praq spund jo ,Cauarotjap s sr agar' Jr •sfuawAsd A[gfuotu
el uagi slow ou ur rug 'b`dSgu cm* aouepi000s ur aSsuotls aq3 dn arretu of /Cmsssaoou iunoure aqf rapua-j
or did rregs aaMouog pus 'ydSg1 Aq paalnbaa st lama%, ,C3pou hags lapua-j `c aapun pauuap se
•MOmosa rat praq spund ;o a`dsuogs s st aaatp ;j y J 1 j writ aouepaonne ur spunj ssanxa aqf aoj lamollog
of 1un000s new noun 'Vdsau aapun pau[ ap se 'mimosa u1_ piaq sprang jo surdms s sr agar' Jr
ydSS2I Aq paambaa se spund
aqr ao gununoons [emus us 'aSasgp motrii2 'aanwaaog of an13 [legs aapual •spund aq3 uo prod aq irsgs
fsaaalur Imp 'r2naMO1 'aVU111.1M 0a13t Us:1 lapua^j pus lamolaOE sound alp 00 S8urnaea ao fsaaalur ,Cur
aamouog icsd or paainbal aq sou [legs aapuaj 'spund agf uo P1ed aq of valour! samba' Ms-r a[gt:arlddv ao
SurltaM Ur apew sr luatuaaa r ue ssalun •a5asga t irons arrsur o3 aapua ssrtuaad n%u algeopddy pue spund
agf uo 35aa030! raM0aat)g SAW aapuai ssalun '6131213 Moaosg alp Sn1AJFaan .10 luno a /Apr.'s; at1] Sutz,tteue
A lenuus 'spund agf 3upArdds pits Surproq ao3 aatouog aSaegn Sou aapua-j •yds311 aapun paupads
amp aq3 crew lair' ou 5aia11 Molosa atp itsd o1 spund agf Arcids Trobs aapuai 'peg ueo-j aw0jj'tmapoj ,Cut
Ut ao (pamsur os ars s3rsodap asogM uopnpsur us sr aapun 31 `aapua1 2utpntaur) M11ita ao 'A3risfuatutulsul
',(nua3t3 Islam v ><q parnsur ars sirsodap asogm uopnipsur us ur marl aq i1s11s spund
argtnllddy gum anusproons ut asrmsagao ao suiair Morasg aaninj jo saanlrpuadxa Jo saltwt3sa argeuossol
pus s1sp 'raglan] 3o stssq alp uo anp spund Jo Iunourt x111 a3stur3sa !Islas aapua-j ydsgli aapun aarnbaa
urn mapuar a 3unoure uanultxau oral paaoxa of 1ou (q) Pus `ydSa2j aapun pat3rnads amts airs 1s spund our
Aldds or aapuarl lrtuaad o3 luarn3Jdns (e) lunows ue rat spund prig pus fna1Ton 'amp /tU21 is 'Asw aapun
uopnas srgl aapun paatnbaa uatp aae isgl `slunows gons
ur pus `spund 11s aapua'j or Aed [rugs saMOUOg `uoue:lonaa irons uvdn `pus 51 uorloas g3rM anusploaoe
ur uanq aorrou 1; ,Cq nIIt3 I(u6 ]e 51.0011 MOan9d 1(s .10 dtlal 01 5e aanreM 0231 a)rgngl Attu aapua'j 1U11OUn'.
Lions bus rapuy' or Medal 03 6 11011O0S aapun pardr'go aq craw ripgs aamoaaog pus ]uniurt gons Azd put
6 uopnas aapun slg3tm sir asroaaxa Amts lapa-1 'Warr moansg us .10J anp 11Ino1Ut mgt /(rd o3 sttrJ .OMQaao$
pus 'aantem s or lusnsmd `&pnaarp swan Moansg iced or pareSt[go st aaMomog 3j -6 uopoas u1 pas% s
„ivawaaage pus iuruano(„ asrlgd arts ss 'luauttutsuj I(1;an02s sig3 ur paureruo3 111a1UO2a3t pus 3usuan0(3 a air
of pauzaap aq sasodand i121 ao3 [lags sid3anaa aprnoad of pus sivaut,tsd dons axeur of uops2rrgo s,aaMoaaog
•aarnbaa Aew lapua7 Sg pound awt3 trans urg1;M suauifsd Lions 8u auapina s3dra0am aapual o1 gstulrt[ Ilsgs
`saarnbaa aapuTj Jr 'pus aapual Aq pan3!M wag seq strung Jo tuawAed tintgm to; swan MoaZsg iiue ao3 ono
(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, w 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 dTiie.
It' 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.
68AN1 tows)
(}871.0
Pape 8 of 1 B
034
Form 3051 1/01
1.016 650E uuOd
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S to °Loud
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luaurnz]sul
Stomas stye aapun tuatuailnbai 3tnpuodsailoo aq; A;sties jltm ivatuaitttbal map algsat(ddd ayt `Am
algeaprddy Japan pazlnbai osre s! ]uatutuisuj Slunoas spit iSq pairnbai aopou Sue 3j •Japuaj Sq pantaaai
Stlsnl3g tpun iapuai of uan!S uaaq aney of patisaap aq iou fats ivaunuisuj Allznaas slit tiltnn uottaauuoo
Lit aopou /Cud •iamoiiog of aopou .Cq ssaippa iag3oue paizualsap set! Japua-i ssatun away' palms
ssaippe s pm ssrp !sit,; Cq 1r 3 urttaw Sq Jo 1p Supanllap .tq uanr5 aq hays iapua-j of aopou
Sod atoll auo Cue la luauitulsaj S]ptwas stye Japan ssazpps aopou palsu3tsap auo Arm aq Saw aiagy
aJnpazozd pagpads tatp gdnoitp ssaspps ;o a8treg0 s pod= Aruo !jabs Jamo.Og uayl 'ssaipps ;o a3ueyo
s,iamouog Sutuodai io; ainpaooid a sat ;toads iapua-j Jr •ssaipps ;o ammo s,iamollog 3o sapua-1 AJtiou
Sriduoid Ijgys Jamonog •zapuai of aopou Sq ssaappe aopou alnitisgns a pa1augtsap sag iamo.uog ssarun
ssaJppd Suadwj ayt aq !rays ssaJpps aopou atr,j, •asinuat io sazinba. Sissaidxa Me-j ajgeorjddy ssaiun
szaMouog ljs o3 aupvu a]mtisu0a !lads ;amvzJog auo Sus o] aai]oN •suaaur Jatjlo Sq Was 31 ssaippe aopou
5,12mo1JOg of paiantlap Sllentoe uayM Jo flew sap ism Sq pap eta uagm Jampuog of uan!N wag anay
o] pawaap aq !pays luawunsul S]linaas siy3 grim uopaatmoo to iaMnoiJOg 01 00110u Sud •3uppM ut aq lam
iuOwniisul Sii1noas stye g3lnn uopuauuoo ui aapun Jo Jamouog Sq uanr3 saopoa !Id •saapoN •cj
•031511arano ions 30
mo $upstia anaq plum iamou0t3 wpm 3o i0t1 Atre jo ianrean a am111su00 111M 1aM0aa013 01 luauwSsd 100np
Sq apetu punjaJ ions Sur ;o aotreldaoae 5,J0M01i011 •(030N apt Japun Jo; papinoid sl a3ieio suawigdaid
iou Jo iagiagm) Onto 3uawaedaid Aug inogitm tuausAadaid jat3JZd a se patsaJl aq !pm uopanpaz
ail `ledioutid saonpaz pun;a. a ;j •Jamoizog of 1uaw,Sed maim a Salim; i q 10 a30N ayi aapun pamo
rsdraupd alp Suronpar Sq putgat sip] anew 01 ammo Saw Japaa-j •Jamoizog o1 papun3az aq Illm silo!p
paulruJad papaaoxa gopym Jaiouog woz3 paloarjoo Speaile suns Sue (q) pue :31urll paulauad aq; 03 Amp
aqi =pal 0l S.ressauau iunount at1 Sq paonpai aq mitts aaiago umol ions Sue (s) :uatj3 `situitj pa]itunad
a13 paaoxa toot ayi t pin uofoaauoo up paioajroo aq of Jo paioarjoo sa3Jgio ueor iatrlo Jo Isamu"! aqi ]egt
os palaidzalul Spam,' st Anal 3egl Puy ugol usnwtxgw alas gotym ma! a of l,afgns st um/ ayi ll
'n►g -j arge:srlddd itq zo ivawniasal (ipti as spp Aq paitgtyoid i(Issaidxa aig imp sag;
a5iego iou Sguz iapua-j •aa; !Tons Jo 3urnetp ai] uo uoprgpyoid r sa pawlsztoa aq 1ou Iprtrs iamouog of aa;
ouraads a amp 0] maunisuj Stpnzas sly] ui Slpogina ssazdxa ;o aouasgs alp 'saa3 Jotpo Sue o] pie3ai up
•saa; uopanlen pue nopoadsur Stiadoid 'saa; ,siatuoue '03 pa3p1q 3ou mq `3utpnrout `ivawrulsul iClunoaS
star .spun surVp pue /Stzadoid alp ur swam! s,iapua p 3uumnoid ;o asodind aql Jo} `ltn$ ;ail s,aanw1Jog
ylpm uotioauuoo Lit pauuoliad saotnias io; soa3 iamoiiog a31ayo Avtu iapua -p -saki qj utsoi 'tit
•iapua7 ;o su3lsse pug siossa•YJn$ 0 q pee (pt uott0as
ut paprnozd s8 Ida,xa) putq !lays ]uatunjlsul ,IC1ti1100s slut ;o s]tratrzaaJSs pua siusuanou ayi 11111.M
u! asrarai tans of saatla iapua-j season luatuiuisuj ,Clunoas sttt aapun Attllgar! putt suopa3ltgo s,iamasiog
tuoJ; pasealai aq iou !Isis iamouog •luautnJ]sul SuznaaS sly] aapun si};auaq pug slq i s,aamouog ;o Ile
ureigo !le 'iapuei Sq panozdds s! put; '$unum ul luatunnstu Silinoas stye Japan suope2ggo s,1amosiog
saumsse own lannoliog I,o isaiaittp Lit iossa00ns ,Cur `g I uotloaS ;o suots!nold atl of 100f1411s
1ua5003 s,Jau3ls -0Y
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Jo isagio3 'Sap= 'pualxa 0] aaa8s Lira Jamozaog t01.110 Slur pus Japua l saaJ3s (a) pus ]traauTJ]suI
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ail Japan S1JadoJd atrl ul 1SalalUI 8,1aUals -0:1 atp lCanU00 pua 1ua13 `oga3JOtu 03 Sluv 3uatirtllsul Sigmas
spit 8utu3ts -t» st (e) „iauSls -o0„ e) aioN ail alnoaxa lou soap inq itiawtulsul Stomas s!tp suits -oo
own Jannoziog Sue `ianaMnoj{ maws pus !idol aq rtstrs Su- ]!gall pug suo11s2rjgo s,iamouog ]stp saalgs pus
siusuanoa iamollog •puuog su$1ssy par siossaa »ng 315a0nag pug lutof '£1:
',Cpausai 101tSu Ara 30 ast0zaxa atp apnj3aid
Jo 3o Jantem a aq 3ou lleTTs 'anp trag3 3un at1t vetpt seal slunouie nt 10 iamoiiog Jo ;salami Lit siossaaang
io sarmua 'suosiad pi!gl 1110i; s]uauWSsd ;0 001.1111d7005 s,10pu71 `uopslltull lnoi]ii 'Sulpnrour Spatuar
io lg4u Sue 3utstasaxa ul iapua-p Sq aot niaagio; ,Cud •3amoUog 3o;swami Lit ssossa00ns in io iamouvg
rsur31zo apt Sq *pear pustuap Sue Jo uoseai Aq ]uaustuisur Atriums spit Sq pain= stuns alp Jo uopeztuot e
A ;!pour astmiaito so 3t18h1Cad 10; au113 puma 03 asn;ai 03 10 iamouvg ;o ;salami Lit iossa00nS Arta
lsureSe squrpaaooid a0uawwo0 01 pazinbaJ aq iou llgtrs Japua •JamoSJog 3o !swam up szossaoans Sus Jo
svamouog 30 ,c3111ggn aq; maniac 01 aleiado iou !rags Jamo.uog 3o lsaiaiU! 1t Jossaoons ,Cue io iamouvg 01
Japual ,Cq pantalS 3uaurtJlsuj Stomas spy r(q pampas sums atp 3o uoliezlu0ue 3o uoprotJrpow Jo ltlatuhd
10; *aril ail 3o uolsualxg •ianlem s 3°N .tapaaj Sg a1uax agtog :passalag 3oN .rato.uog •Zi
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16. Governing Law; SeverabWty; 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 Properly" 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. It 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)
rakes 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
Pepe 11 of 16
036
Form 3051 1/01
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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
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.
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Page 12 of 15
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038
Form 9051 1/01
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STATE OF WYOMING,
The foregoing instrument was acknowledged before me this 29th day of January, 2001
by Jerry A. Dummer and Connie Adele Dummer
My Commission Expires: February 2, 2002
61 WYI loom
Paoa 15 of 16
Lincoln
County ss:
Initials:
Form 3061 1/01
040