HomeMy WebLinkAbout871125After Recording Return To:
First Bank of Idaho
P. O. Box 12860
Jackson, WY 83002
Loan No: 190012104/ 7804428
871125
(Space Above This Line For Recording Data]
MORTGAGE
?'•(_3 4
It
RECEIVED
LINCOLN COUNTY CLERK
8 i FM -2 PM 1: 52
JEANNE WAGNER
KEMMERER, WYOMING
R PAGE 1
DEFINITIONS
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 February 2, 2001
together with all Riders to this document.
(B) "Borrower" is
Audra L. Hawkins, a single woman
Borrower is the mortgagor under this Security Instrument.
(C) "Lender" is First Bank of Idaho, an Idaho Corporation
Lender is a
organized and existing under the laws of Idaho
Lender's address is P. O. Box 3239
Ketchum, ID 83340
Lender is the mortgagee under this Security Instrument.
(D) "Note" means the promissory note signed by Borrower and dated February 2, 2001
The Note states that Borrower owes Lender One Hundred Seven Thousand Two Hundred DOLLARS and
Zero CENTS
Dollars (U.S. 107,200.00 plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full not later than March 1, 2031
(E) "Property" means the property that is described below under the heading "Transfer of Rights in the
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.
WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 (A) Page 1 of 13 Initials:
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WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 Page 3 of 13 Initials:
Jr.
123
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the roan, 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 Clerk of Lincoln
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction)
Lot 30 of Nordic Ranches Division 3, Lincoln County, Wyoming as described on the official plat thereof.
23 Saddle Drive
[Street]
Etna Wyoming 83118 "Property Address
[City] [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also
be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
"Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the
right to mortgage, grant and convey the Property and that the Property is unencumbered, except for
encumbrances of record. Borrower warrants and will defend generally the title to the Property against all
claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non- uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
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125
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 lien. Within 10
days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the
actions set forth above in this Section 4.
Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting
service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire, hazards included within the term "extended coverage," and any other
hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This
insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender
requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan.
The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to
disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower
to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification
and tracking services; or (b) a one -time charge for flood zone determination and certification services and
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555 A
LFI #FNMA3051 1/01 Page 5 of 13 Initials: �1
9F,T
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01 piud `Aug 3! `ssaoxa atp t1!M `anp uatl 300 10 104104M `3uawnalsul ,ClunOas sup ,iq pampas stuns all
01 patjddu aq ins spaaooad aOUElnsu! aj3 `pauassal aq pjnom ,C311n0as s,lapua-1 10 ajgisgaj ,Cijgoiwouooa 3ou
sr nudal 10 uorlulolsaa a1131 •aamoa"og Jo uotl8Bggo Nos 043 aq !juts pug spaaoold aouuansut alp 3o 3no pled
aq 3oU !pugs 10M0110$3 iq pauielaa `saj .tud pup 1a43O 10 `saalsnfpu oijgnd 103 saad •spaaoold qons uo auivasa
10 Isamu! ,iue 10M0110g ,Cud 03 paambal aq 3ou !tuts "apua-1 `spaaooad aOUElnsu! tons uo mud aq 03 3Saaa3u!
salinbaa Mug ajq oijddy 10 21.tililM u! apew Si lu0U1001 8 UB ssajun •palajdwoo Si 3uoM alp se 53uawad
ssaaiioad JO wpm E u! 10 3uawad aOuis E ui 00118101501 pug sli8daa alp 10j spaaooad asangsip ,Cgw aapual
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01 1441 043 0084 IIEgs aapua-1 `pouad 00118103501 pug 118da1 tons Suuna •pauassal 300 Si ,Clian0as s,aapua'
pug ajgis8aj ,ClleOituouo0a Si n8da1 10 u01181o1Sa1 alp 31 `,ilaadold atp Jo nodal 10 00!38101501 01 paijdd8
aq !jugs `lapua-1 ,Cq paainbaa sum aOU8lnsu! Sui,ivapun atp 3ou ao 10410tH `spoaoold aOUglnsui Cub `5ur3!M
ui aa1TE asiMaat3o aaMOaaog pug Iapuari ssajun •aaMOIIOH ,Cq ,il3d11101d ap8uz 3ou 3i ssoj 3o paid 03j8W
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•aa,Ced ssol I8uotljppE u8 58 10/put 00 8 L 1ow
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ji •sa0i3ou j8Maua1 pug swniwaad pi8d Jo s3dia0al 118 lapua' 03 0ni5 ,ij3dwold !jugs 1oMOaaog `salinbal lapuai
31 •sa180gi11a0 lumau0" pug saioijod ag3 rot! of 10i1 alp 0A84 !lugs lapuai •aa,Cud ssoj 18uorpippu u8 s8 10 /pU8
aa285plow se lapuai aw8u pegs pub `asn8jO a58231ow plupu83s 8 apnloui !tuts 'saroijod tons ano"ddusip 01
142i1 s,lapua-1 03 3oafgns aq pugs saioirod tons Jo s1EMauaa pug 10pU0 Xq palinbal saiotgod aouu1nsur
•luatuad
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a18p atp W013 0381 a3oN atp 1e 3Salalw "gag hugs slunow8 asa41 •luawnlpsul ,ClunOas s141 iq palnoas 10MOa10g
3o !gap 18uo!1!pp8 awooaq !lugs g uorl0as sup aapun aapual ,Cq pasingsip S3unow8 Xuy •pauielgo 0084
pjnmm 1aMO11og 1843 aouRmsu! Jo lsoO all paaoxa XpuuogiuSis 3g2uu pau183go os 810A00 aou8lnsu! alp Jo
3500 atp Imp sa5pa1MOU)108 "OMO"10g •10ajja ui ,flsnotnaad sum 0841 0 810Ao0 aassaj 10 1038015 apinoad 345!W
pug ,C3ijiqui! 10 pluz8l ,iu8 3SUraE `X31ado1d 043 Jo slua3uo0 alp "o `,Cpado1d alp II! ,Clinba s,aaMo110g
`10MO1"og 300301d 300 145!w 10 1g5rw lug `"apuaq 10000 !lugs 02810000 qons `a1O3a1atI •05810000 Jo lunouni
10 ad,f3 "81noU1Ed Aug as8g01nd 03 uoi3aijgo ou lapun Si aapuai •asuadxa s,"aMO11og puE uoT3do s,1opuorl 18
`O 810Ao0 aODUlnsui u1Elgo ,CEW aapu0 `anog8 paquosap S 0 810A00 alp Jo ,iuu urepul8W 01 sj'e.I aaMOlaogji
•10MO11og iq uoiloafgo 118 wag 2uiljnsal
uorlsu!unalap auoz pool; X08 Jo Mainaa alp 431M 0013000000 ur ,iouaay luawaff8u8y\T ,iouaalatug Iglapad
all ,Cq pasodwi saaj at Jo lUaw,ted alp 103 ajgisuodsal aq imp !jugs a0MO11Og •uoi380gip1ao 10 uoI8Uiw"alap
tons page 145iw ,Clg8uos8a1 tor4M ln000 sa2ugto 181iwis 10 s$uidd8wal amp. 4o8a sa1840 luanbasgns
127
Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if
damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in
connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or
restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds
for the repairs and restoration in a single payment or in a series of progress payments as the work is
completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property,
Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable
cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower
notice at the time of or prior to such an interior inspection specifying such reasonable cause.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process,
Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or
consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to
provide Lender with material information) in connection with the Loan. Material representations include, but
are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal
residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a)
Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a
legal proceeding that might significantly affect Lender's interest in the Property and /or rights under this
Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument,
including protecting and /or assessing the value of the Property, and securing and /or repairing the Property.
Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority
over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its
interest in the Property and /or rights under this Security Instrument, including its secured position in a
bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make
repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or
other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take
action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It
is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured
by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement
and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If
Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees
to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the
Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage
substantially equivalent to the 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 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. 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
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 Page 7 of 13 Initials:
g�:SIBI�IUI £I. 40 9 ()Bed 60/6 L90£VWNd #I�l
t 999£ 9VV (009) 'oul suliod Jase
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:uot ;Oga3 uiMOjjo3 am ,Cq parldyljnw spaaooad snoauujjaosiJ,\ alp jo lunotuu aql Aq pampa.' aq jjegs luatunaisul
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ugq; 10313018 10 0; jgnba Si amen uI ssoj 10 `uoj ;on.gsap jgipgd aql aaojaq jaluipawwl ,Cpadoad amt jo
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•IOMOnog o; pled 'Aug
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spaaooad snoaugjjaos a4; `Apadoad a4l Jo amen U1 ssoj 10 `aoy ;Oni ;sap `8upjg; jg101 u Jo Juana am uI
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a4; iPM `anp uaq; ;ou 10 iaq ;aLM ;uatunisul Altanoas sip; ,(q pamoas sums a4; o; paijdde aq jjggs spaaOO1d
snoaugjjaostl^j atp `pauassaj aq maw ,flunOas s,aapua7 a0 ajgisgaj ,Cjleotwouooa ;ou si atedaa 10 uoy ;eao ;saa
3I spaaooad snoaugljaOSIJAJ gons uo SBUyua13a 10 lsaaalut /CUR 1 M0110g ,igd o; paambaa aq ;ou pugs aapuai
`spaaOOad snoaugjlaosm Lions uo pled aq of lsaaalU! saainbaa Mg'I ajquonddy 10 5u1 ;1M u[ apRtu s[ 1U01.11aaae
ug ssajun •pa;ajdwoo sr 3110M a41 se sluam/cud ssai2oid jo sayaas g u! a0 ;uawasangsjp juts g UT u0ilua0lsaa
pug undo.' am ioj ,fgd Amu .zapua' ,(jldwoad ualupapun aq pugs uotloadsui gons ;gq; papinoad `uoig133spLis
s,aapua-I o; palajdwoo wag sm.( ?jlOM am aansua o; 4iadoid gons padsui o; i ;yunpoddo au pug sun aapua7
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p r`),
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v
129
Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing
Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to
respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply
the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this
Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower
Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous
Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest
in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration
has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a
ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of
Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim
for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and
shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in
the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment
or modification of amortization of the sums secured by this Security Instrument granted by Lender to
Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any
Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any
Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of
the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any
Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including,
without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of
Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any
right or remedy.
13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and
agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who
co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security
Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this
Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and
(c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any
accommodations 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, attorneys' fees, property inspection and valuation fees. In
regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to
Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that
are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that
the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted
limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the
permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be
refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note
or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a
partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 Page 9 of 13 Initials:'!
:sle! }!ul CI. ;o cp. aBed 1.0/ so£VWNda idI
Sgg£ Wog) 'out smod Jase1
4016 I OS wlo j
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as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's
check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,
instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security
Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred.
However, this right to reinstate shall not apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the
Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower.
A sale might result in a change in the entity (known as the "Loan Servicer that collects Periodic Payments
due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under
the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the
Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be
given written notice of the change which will state the name and address of the new Loan Servicer, the address
to which payments should be made and any other information RESPA requires in connection with a notice of
transfer of servicing. If the Note is sold and thereafter the Loan is seri/iced by a Loan Servicer other than the
purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer
or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise
provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an
individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security
Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of,
this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in
compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a
reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time
period which must elapse before certain action can be taken, that time period will be deemed to be reasonable
for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant
to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to
satisfy the notice and opportunity to take corrective action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances
defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following
substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides,
volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental
Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety
or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or
removal action, as defined in Environmental Law; and (d) an "Environmental Condition" means a condition
that can cause, contribute to, or otherwise trigger an Environmental Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law,
(b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two
sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous
Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the
Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand, lawsuit or
other action by any governmental or regulatory agency or private party involving the Property and any
Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental
Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any
Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazardous Substance
which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or
regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance
affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance
with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental
Cleanup.
WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555 A
LFI #FNMA3051 1/01 Page 11 of 13 Initials:
131
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BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any Rider executed by Borrower and recorded with it.
it/ r ✓r s -77/c Pe/0 cx 'E 2,14-3, ':S
Witnesses: 2424
ZyrTj v.-- l
STATE OF WYOMING,
The foregoing instrument was acknowledged before me this
by Audra L. Hawkins, a single woman
WITNESS my hand and official seal.
My commission a sires;
Patricia Ann McDonald Notary Milo
County of State d
Teton .1, Wyoming
20, 2004
Audra L. Hawkins
[Space Below This Line For Acknowledgment]
(person acknowledging)
WYOMING Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT
Form 3051 1/01
Laser Forms Inc. (800) 446 -3555
LFI #FNMA3051 1/01 Page 13 of 13
24th day of January, 2001
(date)
133
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
Teton County ss:
Notary Public
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