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HomeMy WebLinkAbout870315This. prt gage SE F M3RTEAEES spa RELEASE 0p This Mort gage NORTGAGV WHEN RECORDED RETURN TO FIRST NATIONAL BANK -WEST PO BOX 1620 AFTON, WY 83110 870315 [Space Above This Line For Recording Data] MORTGAGE LOAN NO. 107 260 -39759 THIS MORTGAGE "Security Instrument is given on DECEMBER 15, 2000 BRETT JENSEN AND SUSAN R JENSEN, HUSBAND AND WIFE This Security Instrument is given to FIRST NATIONAL BANK -WEST, A NATIONAL BANKING ASSOCIATIO which has the address of 500 OUTFITTER ROAD, AFTON [Street] Wyoming 83110 "Property Address [Zip Code] WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Page 1 of 7 Ear C IVE L) LINCOLN COUNTY CLERK 00 DEC 15 FI4:24 JEANNNE t" `sGNER }(EMMERER. WYOMING '1 it A y BOOK _PR PAGE The mortgagor is which is organized and existing under the laws of U. S. OF AMERICA and whose address is 1001 MAIN ST. EVANSTON, WY 82930 "Lender Borrower owes Lender the principal sum of EIGHTY-TWO THOUSAND SIX HUNDRED AND 00/100 Dollars (U.S. 82, 600.00 This debt is evidenced by Borrower's note dated the same date as this Security Instrument "Note which provides for monthly payments, with the full debt, if not paid earlier, due and payable on JANUARY 1, 2031 This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument: and (c) 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, with power of sale, the following described property located in LINCOLN County, Wyoming: See Attachedment EXHIBIT "A" [City] "Borrower 9 �ep!UL sluauthd ag1 5Ur3Uapina sudiaoaa aapuaZ or usiuinJ AIldurozd Ibis aamoaaog `Alloanp sluau d asagl swim aamoaaog 3I •gdeiFgaed sits aapun ptpd aq o1 slunouIE jo saoilou Ile aapuaZ o1 gsiuinj Alldmoad ITmts xannouog •luaugpd panto uosaad 0111 o1 Alloaaip amp uo ump ,ied Reis aamoaaog `aauueu rum uI pied Iou 3i JO `Z gdua$gmd ui papinoid aauuem gill ui suotle3ggo mom M d TTggs aantouog •Aue Jt `sluar punoa8 10 sluauiked plogasgal pug `Iuamnalsul ,Clangs sigl IMO ,iluoud uiullu /igm 11Oitm Auadoad am or algelnqunt suonisoduzi pue saui3 'warm `sluamssassg 'saw lim hd hugs aamoaaog 'small :sa nt° •b aloud 0111 aapun anp saiuga alpj ,iuu or Ism pug :anp Tpdiouud o1 `mmo3 `anp Isaaalui of `Pahl :Z gdeaSuaud aapun alquApd sltmomu of `puooas :aloN agI aapun anp saaugo maul/Ward SUE 01 `isag :pailddg aq Timis Z puu i sgduauagd aapun aapuaZ Act paniaoaa s1u0uAud rig `asinuatlo sapinoad mej algpond& ssalun •s;uauagd jo uongailddv •luaun.isul AlunoaS sigl paanoas suits ag1 Isuiu2e lipaao u se alas JO uoilisinboe Jo amp ail 1e aapuaZ Nag spund 'Cue Alddu TTegs `,ivadoad agI Jo alas JO uonismbou am 01 aoud `aapuaZ `Atradoad 0111 ITas JO aatnbor IIu11s aapuaZ IZ gdgaagagd aapun 'Jr •aapuaZ iiq Nag spund Amu Jamoaaou o1 punJaa A lduioad Timis aapuaZ luamtulsul A1unoas situ Ag paanoas sums TTm jo TTn3 ui IuOUiCed uodn •uoita1OSip alos s,aapuaj lg `sluauiigd Artpuom anTaml Uutl atom ou ui Ifouaioi�ap at1 dn alum ITegs aamoaaog •�CouaiOi ap aq1 dn awn or /Caussaoau lunoure 0 p aapuaZ or Cud Timis aamoaaog asuo gons ur `pug 'SutliaM ui lama uog jnou os Arm aapuaZ `anp uagm sua1l moaosg ail fed oI luatOgJns Iou si amid Aug 1e aapuaZ �fq plat spund at1 jo lunar ail 3I •mgj alge3gddd jo sivauiaainbaa at1 glim aoutpa000t ui spund ssaoxa aq1 aoj aamoaa0g 01 1unoOOt Tlegs aapuaZ `MJ alquotlddu ptati aq or pantuaad slunouiu ail Nana aapuaZ gig Nag spund ail 3I •luaunalsul AltanoaS stgl ,Cg paanoas suits IIp ao3 Alunoas Teuontppu se papal(' aau spund ait •apuui stm spund am or wrap goma goitm aoj asodand am pug spund at1 or sligap pup S1tpa.IO 2utmogs 'spund a111 Jo uilun000u Ienuut up `aaaetp lnoglim `aamoaaog o1 ani2 ITugs aapuaZ •spund alp uo piud aq Reis Isaaalui mu `aanamog `Butlum ui a0a2p Arm aapuaZ puu aamoaaog spund ail uo auivaga ao Isaaalui Aug aamoaaog ,igd o1 paainbaa aq IOU jTmgs aapuaZ 'mud aq o1 lsaaalrt saambaa mgt atgeailddu 10 am' st Iuauaar2r uu ssalun •astmaaglo sapinoad mpj algtoilddu ssatun `upol situ q1!M uotloauuOO ut aapuaZ ,iq pasn aotnaas 2upaodaa xpl altusa par luapuadapui ug ao3 amp auil -auo a ,itd o1 aamoaaog annbaa Arm aapuaZ `aanamoH •aaeg3 a gons a)leu 01 aapuaZ sliuuad mill ajquoildde pUe sptmd ail uo lsaaalut aamoaaog shd aapuaZ s3atun `small mo1OSg agI 2ut/Cj!an 10 'luno3OE Mo13S0 ail 8uiziileut IfienuUU `spund at1 2rn jdcig pug 8uiploq a0; aam0aa0g amp Iou Amu aapuaZ •suzall Moaosg 0141 Ad or spund am Alddg Rigs aapuaZ lugg ueoJ amog Tgaapad Aug ui JO (m unitIsui ue tons Si aapuaZ 3t `aapuaZ Suipnlout) ,tlilua 10 `Alileluamtu1sui `riOUagu mom E Xq purism aau slisodap aso11M Uoilnlpsui uu ui plat aq Hugs spund at 'mgt alquogddu t1iM aouepa000u ui aSim101110 JO small Moaosg aanlnl jo saanlipuadxa Jo Salemllsa alquuosuaa pug ulep luaaafO 3o sisuq aq1 uo anp spund Jo lunoure 0111 aluupsa iiuur aapuaZ •lunome aassal at1 paaoxa of mu lunomu uu Ti! spund plot puu 1Oatloo `autl jut Iu 'Arm aapuaZ 'os 3I •lunoure aassal a slas spund ail or sailddp imp mei aagioum ssalun `(„vdSg2I 'bag 1a 109Z 'O'S'fl ZT 'amp 01 autl wag papuaure se 17L6I JO IOV SaanpaOOad 1UauaIllaS alelsg pall Ieaapal ail aapun 1unoOOU Moaosg s,aamoaaog ao3 aainbaa M u upot aqi 8uou pomp/ ,iTTgaapa3 a ao1 aapuaJ a 1unoUtu mnmixutu at1 paaoxa o1 Iou lunoup ue ui spung Nog puu 1OajIoO 'amp Au 1u `situ aapuaZ „•51r1a1I Moaosg„ panto aau suali asatZ •smnimaad aoueansui a8e8uou jo luauhd at1 Jo nail ui `g gdua5tapd jo suoisinoad aqi tlim aouupa000u ui `aapuaZ 01 aaMOatog ,iq algeAed suns Aug (j) pug !Aug 3i `smnimaad aODUansul a2t!81aom ,(peal (a) Niue 3i `sunnuaid a011ansui pooh ArmaA (p) :smnimaad aouuansui Auadoad 10 pauzug (0) :Auu ji `Auadoad aq1 u0 mar punoaf 10 S1Uau1Ced plogaseal ,iueaA (q) :Auadoad at1 uo mail u sp 1uaunalsul Allmon Ty aano ivaotad ureile ,ieu 1Oi11m sluaussasse pug owl AUgaA (e) :ao; „spund tuns a `Anj ni mud si a10N 0111 'pun `010N alp aapun anp am sluam1iud ,iltluou hp agI uo aapuaZ of M d Hugs aamofog `aapuaZ aanieM uallum p o1 10 MEI alquoilddd of loafgnS •aaunansuj pug saxtu ao3 spund 'Z •a10N gill aapun anp saamg° arm pup lug u gdaad Jail pug a3oN gill Aq paouapina Igap am uo Isaaalui put jo Tpdiouiad at1 anp ua(M pied iClldtuoad ITmgs aamoaa0g •saaug3 a ;gZ pug ;uaur,igdaad tjsaaaluI pug lgdpuiad jo mortar,” •I :mono; su aaa8p pug luguanoo aapuaZ pug aamoaaog 'SINVNIAOO YAI1IOdIN11 •,ivadoad Lear Vuiaanoo 1u01tulsui /C1 maoJtun a alnitlsuoo or uoiloipsunf suollgiagn paliuil tlim slueuano3 m:IO3mn -uou pug asn teuoiluu ao3 slupuano3 uuojiun sauTgmoo £LRIf1D3S SIHI •paooaa jo saouuaqunoua Aug of pafgns `spuumap pug sunup TTm lsure$u Auadoad am or arm am ,CTluaauaS puajap ITim pup sluuJJM aaM0aa0g paooaa jo saoutagmnoua aoj ldaoxa `paaagtunouaun sr .fuadoad aqi pip pup Auadoad at1 AOA1100 pup luua2 `a8p8uoui of 10u am sat pup pa1ianuoo Agaaaq alma at1 3o pasias 'iIIn3MpI st aaMOai0H 1u SINYN3AO3 2IHMOIMOg „'Apadoad„ am sr luaunalsul Xlunoas situ ui o1 paaanJaa si Suiotaaoj ag1jo HId •luamnalsuj ,iltanOaS sits Aq paaanoo aq oslg ITpgs suopippe pup sluouaouldaa Ild •Auadoad alp jo and a aal3u0aag 10 Mou saanlx1J pup `sazueuaunddg `sluauasua Ike pup `Auadoad 0111 uo pa3Oaaa aaljgaaat JO Mou sluauanoadui gill TTm HIIM 2IaHJ2DO,L 1_. 6 L J Z a ISOEVNIN3 ZN3WRI11SNI 1111I03INR an141 a!PPaia/M41 aPU3 A1!W3 alSuiS 9NINIOAM G 9 8 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; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; 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 may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 clays of the giving of notice. 5. Hazard or 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 floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. 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, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. 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 any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty 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. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. 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. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. WYOMING- Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Initials: FNMA3051 NMI Page 3 of 7 0 'a' _..1.,,� 1SO€VIvNI S[Ei1[UI ,LN3 WIIILLSNI 14111031Nn 3 g W alPPaa/aa W Muni ,Cnmeg at'o!S DN1 WOAM •1110suoo s,a0m0110g 1e111 1nOgitM a1oN a14i JO 1uauma1SUJ ,(ltanoas sigl JO suual aq1 0l p1eSa1 giiM suo11epOumcuoOOg Aug a)Jem so nap; !potu `puma o1 aajSe Arm aamoiiog aa1410 Aug pug Japuaj rip sag (o) pug :ivaulnalsui Aq noas sup Aq pampas sums 0141 Aed o1 pareSigo ,Cuguosiad iou s! (q) :ivauzruisul ,ilunoas spp jo su1a01 0141 aapun Anado1d alit u! Isaaalu! s,Jamoiiog iegi JO/woo pue iueaS `32g2notu 01 /quo luaulnalsUi 1tan °as st141 Sulats -oo SI (e) :aiou am 011100x0 iou saop 1nq luau iuisui 'ii!m °as SN sus -o0 ogm aamoaaog Cud •igaanas pug luiof aq yetis sluaulaaaSe pug siueuanoo s,aamoaaog *Li gdeiSeaed jo suolsinoad am of log fgns `aamoa .1og pug zapuaj jo suss pug saossaoons agi ijauaq pug pup{ jJegs 1uOu1na1sui ,ilunoas spy 3o sluaulaa1Se pug sluguanoO a14Z •saauSis -op :,C ;iiiqull aiquaanas pun ;mop !punog suSiss'y pun saossaoons •Zi Apauraa .1O 111 1 Aug jo astOaaxa agi apnloaad JO 301anl3M a aq iou if IS 1Cpaulaa so 1gSp Aug Su!sl )1axa uI 1apuo'T Aq aouugagaoj ,Cud *Isamu! ui saossaoons s,aaMOaaog ao aamoaaog Jeu!Suo 0141 i(q apeul pueulap Aug jo uoseaa luaunu sui M11noas sigl Aq pampas sums am jo uojlgzii.Ioure AIpou1 aSIM.101410 JO ivaul,Cgd ao3 amp puma of as11Ja1 ao 1sa1am! u! saossaoons iiag isu1g5B s2uipaaoold aouaururoo 01 paambaa aq iou Hugs .1apun *Isamu! ut saossaoons S,JOMOaaog ao aamoaaog leU0110 am JO ii11i1geq agi aseaia.I oi. aleuado iou iiggs aamoaaog ;o lsaaalut u! aoss0oons Aug 01 aapuaJ Aq paluei2 1UOUmaisui iClpnoas spy /Cq paanoas sums ag1 ;o uopezpaowle Jo uopgo!JIpout 10 ivaurhd .1oj amp am jo uoisua3xg •aaninM n ;OI4 aapua7 ,fg apunauagao,4 :pasuaiag ;old aamoaaog -TT •s3uatuAgd ions jo lunoule aril aSuutp a0 Z pug I sgdg12eaed ui o1 paaaaJaa sivawlAed Ai141uou1 am jo amp anp 0141 auodisod JO puma mu JJggs lgd!puud of spaaooad jo uopeogddg Cue `Suppm u! 00.5e asImia14lo aaMOaaog pug aapuaj ssaiun *anp !0m 30! ao aa14lagM `luauznalsui A1unOas sN1 pampas sums 0141 01 ao ,Claado1d a141 JO aiedaa ao uOtleaoisaa of .1014110 `uopdo s1I le `spaaooad agi Aidde pug 1001100 01 pazlao141ng si aapua `uanI5 s! a0pou ail amp alp 101314 s'Cep p£ ur1411m aapuOri o1 puodsai o1 sJieJ IOMOLIOH `sagewn'p aoj !Irmo a aims JO p1EMe ue 03Je1u o1 S10330 aouulapUoo ail le14i aamoaaog o1 aapua -i Aq aOuou ao13g `3t JO `aamoaaog Aq pauopuege s! Aiaadoad a1413J *anp ua143 are sums aqi mu JO =141a14& luaulnalsui Alian0as sup Aq pamoas sums a141 of palldde aq iiggs spaaooad alp `sappoad asyniamo mg' alge3 Jddg ssaiun JO 2u11!M ui agar asima01410 aapua' pug aamoaaog ssaiun `Supjei a141 aaojaq Alalelpau11111 pampas sums ag13o lunour am ug111 ssa1 sI SupJei am aaojaq ,CIaielpaumui ilaado1d am jo amen 101014!1 aie3 0141 140!14M tit Amdahl 0141 3O Wupiel ietiagd g jo Juana alp ui •aamoaaog o1 pied aq Limp aolmJmq Cud •Supigi am aaojaq Aiowlpaunu! ,Ciaadoad 014130 anJen laTagul inn am (q) Aq paprnip `Sui)Jei am aaojaq A!algipaunul pampas sums a14130 lunouie poi 0141(14) :uot10 1j 21 qmoiio3 am xq palidpinul spaaooad agi jo lunoure 0141 Aq paonpaa aq iiggs luaulnalsui Agmoas st141 Aq paanoas sums am `Supum u1 aaaSg as1Maa1430 1apua'i pug aamoaaog ssaiun `Supjgl 0143 aaojaq iJgle1Paunu! 1uaulnalsui z(IUUOas s!J1 Aq pampas sums a141 3o 1Unoule a141 uegl a0leaJ2 JO 03 Jenba sI Supigi ail aaojaq ifialetpauuui filIodoad a141 3o amen 1a3iaeu1 aim am 140!14m u! Auadoad 014130 Supml ietlaed a 3o Juana 0141 uI •Iamoaaog o1 pted ssaoxa SOUR 141IM `anp u01J1 mu 10 101 014m `1ualmaisui Aginoas x1141 Sq pampas sums a143 01 patidde aq iiggs spaaooad ail `A3aadoad 0143 30 5up3g1 Jglo1 a 3O Ilan a141 uI •aapu0 03 pied aq Timis pug pauW!sse Ag0aa14 age `uoueuulapuoo jo 1101[ u! 00UEICanuop ao3 JO `,Ciaado1d 014130 iced Aug 30 Sul)iel 101410 JO uol1euwlapuoo Aug IIIM uoLIOauuoO u1 `Jglluanbasuoo JO 30aa1p `saSgulgp ao3 W130 10 paeMg Aug 3o spaaooad a11Z •uoipuuuiapuoa •oi •uo[loadsu! a143 103 asneo aigeuosgaa &ui jioads uoiloodsut ug o1 aoiad JO JO au a141 1e a011ou .1amoaaog 0A15 Jie14s aapuai •Auad01d 014130 suopoadsul pug uodn saiaiva aigeuoseaa ague Diem wag s1! ao 10pU0 •uoi ;Oadsul •6 Mei aiggoiidde 10 aapual pug aamoaaog uaaMlag luaul0aa$e ua13!M ,Cue 1431M a0ugpao0oe ul spua aCueansur 0 1S310u1 io3 3u0u1aambaa 0141 Juan `amasaa ssoi e aptnoad 01 so `100330 III 0011emsui 013110W Ureluieul 01 paainbaa sumlmaad am /Jed Hugs 1aMOaaog •paurelgo sJ pug 031413131311E samooaq up2E .1apua-i panoadd13 aaansut ug Aq pap!noad (saambaa aapual Imp pouad a143 ao3 pug mottle a143 u!) 0213101100 gouging!! o5135uou1 3J `aapua-i jo uopdo am 114 `paa3nbaa aq aaSuoJ ou Amu 531121// Ced OAJOSO1 ssoi •a0u131nsu3 0S12410w3 3o 11011 !3 a n.1OSa1 ssoi a se si110111 ed asa141 1lrglaa pug asn `1da00e 3JiM aapun •30a33a u1 aq o1 pasgap .1O pasdei aSgaano0 00ue1nsul 0141 Ua14M aaMOaaog mud Sulaq u1n1u1aad aOUgansu! aSgSuour ICJaga,C am jo 14131am1 -auo 01, ienba wins a mum toga aapua'i 03 Ad Hugs aam0110 3 `ajgeii13ng iou si 0 131ano0 aOUeansu! 02153.10! malgninba AJ3etluelsgns 31 •1apuaJ Aq panoa(1dg aaansur a21laowl 0113uaal3e 1113 1110.1; `1033O u1 iiisnoina1d gouging!! a$1Su0u1 0141 3o aaMOaaog o1 1x00 a141 03 luaienmba Aljepuelsgns 1x00 a 114 `300330 u! ziisnorna1d aOUeansu! 0 1S310u1 0111 01 luaienmba Slimiuelsgns 0$13101100 ulelgo 01 paambaa sum Maid 0111 Ad Hugs 1amouog `10a33a uI aq o1 sas1a0 10 sasdei .iopuo- Aq paa3nbaa 013101100 among!! aSg am `110SE01 Aug ao3 `3J •IOa33a u! gouging!! 02132310W 0141 umuteul 01 paambaI sumitUaad 0141 pied t113145 aaMOaaog luatunaisui Xitm0as x1111 Aq pampas ug03 0141 5uP3gu1 3o uolupuoO g Se apu1ansu! a2gS3aoul paambaa aapua'i JI •aOUnansui a2r2poL1i •g •ivaul,Ced Suiisanbaa aamoaaog 01 aapua-i w10g3 a03lou uodn `lsaaalu! 1411M `aige,C13d aq J1g14s pug alg1 mot a131 113 ivauiasangslp 3o amp am !1003 1x0103111 agaq i3e14s sumo= 0x0141 `ivawli 13d 3o SUMO) 101430 01 aaaSg J0pun pug aaMO.uog ssaiun •luaumnsui JC11m0as s1141 Aq pampas aamoaaog jo lgap Jeuowppe aulooaq Jle14s L 14deaSEaed s1gI 10pun aapua-i Aq pasangsip sumo= /iud 660 `O L 3o b a$ 13. Loan Charges. If the loan secured by this Security Instrument 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 under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. 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. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. 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 delivered or mailed 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. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) 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; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the 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 paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also may 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 in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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. 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Witnesses: STATE OF 0 yY IN) en SS: COUNTY OF L I M CO L K) The foregoing instrument was acknowledged before me, a Notary Public, on 1 d cu- Date by: Brett Jensen and Susan R. Jensen In WITNESS WHEREOF, I have hereunto set my hand and official seal. My Commission expires: s-t t 2 2,603 County of Lincoln Kerry Miilich Notary Public State of Wyoming My Cornmissicn Expires 8 12 -2003 WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Person(s) Acknowledging Page 7 of 7 (Seal) Borrower BRETT JE (Af)(2 ;R /i sd t /1 aytA SUSAN R JENSEN (Seal) Borrower (Seal) Borrower 4 I Notary Public (Seal) Borrower CT C QAVr,itn/ anuanag E Ieuaalui alp Jo (Z) pue °apo3 se sun! auzoou! algea!Idde spaaoxa awooul S ruiepaasooad swill! gild (Al JO :apoo anuanad retualui a g pue (a)Ebt uopoag uf papinosd se Ire `(saouap!sas pala2aei so. luaoaad 01 i Uegi Jaleas8) ao!sd asegaand ease a2eaane aqi Jo luaoaad 06 Uegl aaleaz sr go!gm lsoo uogrsrnboe ue id ur ao :apo3 anuanaN teusalui agl Jo (6) pue (p)EM uo!loas ur paprnoad se Ire `JaJSUEal 10 ales agl Jo a1Ep aqi uo Julpua porsad JeaA aaup agl Jo Iced Sue 2uranp aouapisas ledrou!sd E ut lsaaalu! digssaumo luaoaad a peg Reg oqm 10 !apo3 anuanaa leusalui agi Jo (Z) pue (a)Evt uoilaas LIT paprnoad se !!e `JaJsueal 10 ales agl aauu awp aigeuoseaa E urglrm luaprsas Iedrou!ad a se Arsadoad alp Adn000 of paloadxa aq Algeuoseas louueo oqm uasuar g uesng aamoaso8 uasuar aqa Jamosao �,�mC g (s6 /zt Paslnael) g z ddw suorsrnoad pue swsal OLD of saase pus sldaoae mossoeutd Idwax3 -xB srgl u! g `[1c10'IEH JNINJIS AEI agl apnloul 01 pawaap ase puE suopetn�as 2u!luawaldwt alep alp uo loo a ur luaurnslsur A4!anoas aqi Jo uorinoaxa Jo JJ p puaule se apop anuanael leusalur aqi of ale saouasaJag Ailsnoa s! •luawnslsul S sit!) 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Aipnoas agl u! apew sluawaas2e pue slueuanoa ayi of uorlrppe aI of pauraap aq pugs pue o4 palesod tioltim 01 Iduraxa -x puawe g xeZ s!t {J, r 0 2IaQI8 JNIONNNI3 ,Ld1AI3X3 •a2alsow agl `1.mm papaooaa p l r ue `ou a eaodsoour aq Hugs wnpuappe agy •a2e24sow agl 01 wn ua P i P I PV uE s! .�urmolloJ acl.L wnant�aad 1odo, aow EXHIBIT "A" Parcel 1 Portions of the S'3 of Section 6, T32N R118W of the 6th P.M., Lincoln County, Wyoming and being more particularly described as follows: BEGINNING at an Iron Pipe set at a point in an East West fence line, said point being 705.62 feet N 12 °16'14" E from a BLM type monument found marking the U.S. Department of the Interior Bureau of Land Management 1981 location for the South M of said Section 6 (x/ S6 /S7); thence N 88 °58'13" W, along said fence 182.57 feet to the center of the Upper Canal (no points' eet in canal bends) thence Northwesterly, along said canal the following courses: N 13 °15'52" W, 154.88 feet; N 7 °45'09" W, 115.64 feet; N 4 °46'39" W, 109.93 feet; N 1 °00'15" E, 141.97 feet; N 4 °07'20" W, 49.68 feet; and N 17 °30'55" E, 4.70 feet to an 8" Spike set in the center of a bridge in Outfitters Road; thence S 67 °53'40" E, along said road, 79.61 feet to an Iron Pipe set; thence continuing along said road, S 64 °33'11" E, 44.60 feet to an Iron Pipe set; thence S 13 °44'59" E, 540.51 feet to the POINT OF BEGINNING. Parcel 2 The right of access as provided for in instrument recorded November 16, 2000 in Book 455PR on page '749 of the records of the Lincoln County Clerk.