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HomeMy WebLinkAbout870413WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0050051267 DEFINITIONS Il li 1111 11 111 H OH II 111 WYOM NG- Single Family-- Fannla Mae/Freddle Mac UNIFORM INSTRUMENT I.T. 3/00 870413 BOO P R PAGE 3 Space Above This Line For Recording Data MORTGAGE (A) "Security Instrument" means this document, which is dated together with all Riders to this document. (B) "Borrower" is DENNIS V WEST and DIANE L WEST, husband and wife RECUNIED LINCOLN COUNTY CLERK 00 DEC 22 F M 1: 5l. JEANNE WAGNER KEMMERER, WYOMING 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. December 20, 2000 Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. Lender is a Corporation organized and existing under the laws of The United States of America Lender's address is 485 Washington Afton, WY 83110 Lender is the mortgagee under this Security Instrument (D) "Note" means the promissory note signed by Borrower and dated December 20, 2000 The Note states that Borrower owes Lender Two Hundred Seventy Thousand and No /100 (U.S. 270,000.00 plus interest. Borrower has promised to pay this debt Periodic Payments and to pay the debt in full not later than January 1, 2017 (E) "Property" means the property that is described below under the heading "Transfer 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. 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All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non- uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity or (d) Electronic Funds Transfer. Loan Number:0050051267 WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) Initials) 401 Form 3051 3/99 (page 3 of 15 pages) MWYO3CV A3P0AMW (se5ed 56 jo eyed) awe Igoe wA0A 0 on •11 1N3WAW.SNI WUOdINfl Dow •IPPau/aev aluuu-- AIluJej eI@ulSONIWOAM L9Z1900 GOO jeglunN ueoi Auy •auir Niue 1e small mozasg lit zo Cut ioj spung zapua -i o; Xed o; uoi ;t2TTgo s anitM Arm zapuaq •staa;I Mozosg tie zo AUE IOJ spun 0111 ,C td o; uoi ;emtjgo s,zamozzog santem Japuaq ssaiun small mo1OSg Jog spung alp zapuai iced Tilts zamozzog °u011Oas spp zapun pied aq 0; slunouze 3o saOTlou lie zapu01 o; Tis uin3 ApdmoId TITS zaMOZZOg mall MozOSg ug aq jjegs s;uatussasse pug saaj `sang tons pug `zoMOZZOg Aq pamozosa aq `Atte 3T `sluatussassy pue soot `sang UopgTOOSSy k1TUnunWO3 rip azinbaz Arai zapuaZ `Ugo-1 atp Jo tuzal alp 2uunp amp Cue le zo not ;eui5TZO 1y :small MoJOSg„ panto am Rua)! asaTiy •0i uopOas Jo suoisinozd alp Tpim aoutp000e ui suinuuazd aoutznsui a2e2 ;zoj jo luauaed alp jo naTT uT zapuari o; zamonog Aq aiggAed stuns Niue zo `iiue ;i 'stun aouemsul a8e5;zoj (p) pug :S uopoas zapun zapua7 pazinbat aoueznsui IIt pug SUE zo3 stunTtuazd (0) :Sue jr `Alzadozd alp uo mar punoa JO s;uatuiCgd pjogaseaj (q) :ituadozd alp uo aOUgzgtufOUa JO uaTj g se ;uauuu;sui A;unoas spLp zano Sluoud uig;lt ugo toTtm stool' zatpo pue s ;uauissasse pug saxel (t) :Jo; anp slunoute ;o luauiAgd zoj apinozd O1 („spung„ alp) nuns g `jilt ur pied sT a ;ON alp !pun `a30N alp zapun anp azg s1Uatuiied OTpouad step alp uo zapua-i o; /Cud !Tugs zam0zz0g •sulau MO.iasd .IO3 spung •s;uauiiCed OTpouad ag1 jo ;unorue alp a2ugtiO zo 'amp anp alp auod ;sod zo pualxa loo !pis aloN aq1 zapun anp Tediouud o; spaaOOZd snoautiiaOS!N JO `spaaoozd aougznsuT `s;uatuAed 3o uopgofldde Auy alON alp uT paquosap se tram pug saffmto luamAgdald ,Cue o; ;szg paijdde aq 'Tugs sluatuAudazd AznlunioA .anp sa2JetO ale! 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In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 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 (1) sufficient to permit Lender to apply the Funds at the time specified under RESPA and (2) 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 twelve 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 twelve 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 Loan Number: 0050051267 WYOMING-Single Family- -FannN Mae /Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 403 Form 3051 3/99 (page 5 of 15 pages) MWYO5CV A090AMW (sa5ed 91 Jo 9 e5ed) slue w o f 0 tslBmui 3i `,CUadozd atp jo zuedaz zo uotpezo;saz o; pagdde aq Hugs `zapua -1 pazrnbaz sem aoueznsu! SurSlzapun In ;ou zo zatpatm `spaaoozd aoueznsut /Cue `Sapum ut aaae asimzarpo zamozzog pue zapua-1 ssaluj •zamozzog Apdumzd apeut iou 3i sso! 3o jooid alum /Cruz zapuai •zapual pug zaTZZeo aoueznsut gip o; aopou ;duiozd AT Help zamozzog `sso! 30 ;uana atp ul •aaked sso! leuoptppe ue se zo /pue aaSeS;zotu se zapua-1 arum! Begs pue asnelo aSeSUzout pzepue ;s a apnioui !legs ,ioilod dons `A;zado1d alp `3o uoponz ;sap zo `ou aSemep zoj `zapua-j Osrmzatpo iou `aSezanoo aoueznsur jo uuoj Niue sure ;qo zamozzog 31 •saopou lemauaz pue sumituazd pied jo sidpaoaz !Ie zapun o; an!S Apdutozd hugs zamozzog `sazinbaz zapua-1 11 'sa ;eogpzao Iemauaz pue satogod aip Nog o; ;Op aim aneq hells zapua-1 •aa2Ced sso! ptuop ppe ue se zoipue aaSeSuout se z0pu01 aumeu tlegs pue `asnelo aSeS ;zouz pzepue ;s a apnloui Ilegs `saioilod lions anozddesip o; ;qRp mapua-1 o; ;oafgns aq hugs saioilod eons jo slemauaz pue zapuaZ ,iq pagnbaz saioilod aoueznsui !Id ivauzXed Sut ;sanbaz zamozzog o; zapua7 utoz3 aopou uodn `usaza;ut eons Ipim `algeXed aq hugs pue ;uautaszngsip jo a;ep am rum am awl agu ;e 1saza ;u! nag !legs suunoute asagy •uuaumIIsul X;unoas sir; iCq paznoas zamozzog 30 ;gap leuopippe autooaq hugs S uopaas sup zapun zapuaj paszngsip s ;unouze iCuy •paup qo aneq moo zamozzog ;etp aoueznsui 3o isoo alp paaoxa ApueogruSis n15na pauteugo os aSezanoo aOaeznsrr am Jo ;son alp win saSpalmoure zamozzog ;oa3ja rt iClsnoinazd sum um!) 1 A0O JOSSOI JO za;eazS apinozd ugSitu pre A ;niteg JO pzezeu `Asu Xue ;sureSe `,i ;zadozd atp jo s;ua ;uoo am z0 `Suzadozd alp ui Minba s,zamozzog `zamozzog ;oa;ozd ;ou ;j u a zo ;tSTUm ;nq `zapua-1 zanoo hugs aSezanoo lions `azojazagy •agezanoo 30 ;unoute JO adA; zeptopzed Aug asegoznd o; uotleSggo ou zapun sT zapuaq 'asuadxa s,zmozzog pue uopdo s,zapua -1 ;e `aSezanoo Oouemsui uie ;qo zapua `anoge paquosap saSezanoO atp 30 Cue ute ;uieuu o; slie3 zamozzog 31 •zamozzog ,Cq uopoa fgo ue 11moz3 5upinsa1 uopeuyuua ;ap auoz poop Niue 3o mapnaz atp qgm uopoauuoo uT XouaSy ;uaumaSeuew AouaSzautg Iezapad alp Al pasoduu saaj ,Cue ;o ;uatuAed aip zoj algrsuodsaz aq osle hugs zamozzog •uopeogivao JO uopeuiuua;ap eons rage ;uSiiu Algeuoseaz tougm mono saRuego zelpuUIS JO sRutddeutaz amp Tea saSzego ;uanbasgns pug saopn1as not ;eotlplao par uopeuiurza;ap auoz poop JOJ aSzego am 3 -auo a (z) zo saJTnzas Suplot'z; pue uopeoili ;zaa `uoi ;eur uzalap auoz poop zoj aSzego aun; -auo a (1) :Jaw `ueo-1 sup grim uopoauuoo ui `,Ced o; zamozzog azinbaz Seu zapua7 •Algeuoseazun pasiozaxa aq ;ou hugs ;tau goyim `aoyoto s,1amozzog anozddesyp o; ;tSyz s,zapual o; ;oafgns zamozzog icq uasogo aq nets amens!!! at; Sugpinozd zauzeo aoueznsut aty •ueo-1 aqu 3o uua; am Supnp aSuego ueo saouauuas Surpaoazd atp o; uuensznd sazrnbaz zapua-1 prim •sazmbaz zapuaJ ;eq; spouad agu zoj pue (slang! algponpap Suipnlout) suunoute agu u! paute ;utetu aq !lets aaueznsut spry •aaueznsut saztnbaz zapua-1 gonim zo; `spooT; pue sa)lenbglzea `0; pauituil ;ou inq `Suipnlau! spzezeu zaipo Cue pue „`a$ezanoo papua;xa„ uzza; gip urcpym papnloui spinet! 'all; sso! ;SUte$e paznsuT A;zadozd alp uo pa ;DOJO zaujeazag zo Sapsyxa mou s;uauaanozduzr Otu daal 1legs zamozzog •aautunsui Spado.td •s •ueo -i situ q ;tm uopaauuoo up zapua7 Xq pasn aaynzas Supzodaz zo/pue uopeagizan xe; a ;e;sa lean a 10j aSzego autp -auo a pied 01 zamozzog azinbaz /Cent zapua-1 1 uopoas sup ui anoge guzo3 ;as suopoe am 3o azout JO MO 031e; JO rat! am JC3s ;es Hugs zamozzog `uanTS sp aopou to goyim r0 a ;ep a 3o s,Cup pl uppm Ira!! atp SuhiCjpuapt aopou a zamozzog OATS AMU zapuaj `;uaumz ;sal iC1rznoas sit; 1 A0 1C1uoyzd rte; ;e ueo totgm WIT a o; uoaCgns si ii;zadozd am ;o ;zed Cu ,e uequ saul uza;ap zapua-1 31 ;uaumz;sul All-nags sptp o; uayl alp Supeatpzogns zapuaq o; ICzo1oeJspes ;uautaa1Se ue rail agu 3o zaplog at; uto1j somas (a) JO °papnlauoo aze sauipaaoozd tons !pun jCjuo ;nq `Sutpuad aze s&uipaaoozd asorp altgm rail arp 30 ;uautaOZO3ua ag; uuana1d o; auezado uorurdo s,zapua- ut goyim s&urpaaaozd 00/E '1'I IN3WfUISNI WNOdMn e*W WPPa evW elbu!SONIWOAM L9Z1900900:JegwnN Ueo1 the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, 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 (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (2) 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 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. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. Loan Number:0050051267 WYOMING Single Family- -FannIe Maa/Freddle Mac UNIFORM INSTRUMENT LT. 3/00 Initials) (Initials) 405 Form 3051 3/99 (page 7 of 15 pages) MWYO7CV A080AMW (se6ed 9L fog aBed) 66/C 440£ WAO4 90 00/£ '1'1 LN3WnHLSNI WHOAINf 01W NppwW•* Sfuuy -A J 0 1 60 I9NIWOAM L9Z 1500500 .JegwnN ue01 •anlasal ssoi lions uo auiulea zo Isamu! /Sue Iamollog Sett o; pazlnbal aq ;ou Hugs zapuo i pue `iin3 ui pled /Cp ;elutiin si ueo- an leg; 3 °e3 atp 5utpue3s1pL 1ou `aigepunjal -11011 aq Iltgs a niasaz SSOJ 1101S •a°utmsui a$t531opi 3o nag 11t anlasal SSOJ aiqupunjal -uou a se s3uam/cud asap ulna' pue asn `3daonn mitt Iapua' •1°a33a ur aq o; pasta° a uJanoo aouemsul ag3 uagm anp a1am ;eip sluaui/Std pale0tsap /Ciamedas an 3o ;unouie tip zapua-i o; /Std O3 anur uoo iiegs Iamollog `aigeitene 1ou st a5ezano° anueznsui afallopi 1uaientnba Amu 3i •zapuaj /Cq props Ialnsut a2a1loiu aleula ;ie ue uio13 ;°a33a ut /Cisnotnazd aoutinsui a2t2;zoi^i an 3o zamouog o; 3s0° an 0; 3uaientnba /Ciint3Uelsgns ism a le `3oa33a ut /Cisnotnald aoueinsui a2t$uopi tip o3 3uairAInba ,Ciieiiutisgns a than°° uplQo o; palrnbal sum alp /Cud Begs zamollog `aoueinsui aeglzopi Io3 suinttiald an pinta swam/cud paleudtsap /Cia3nitdas alum o3 paztnbal SEM Iamoslog put anueznsui Bons paptnold /Cisnotnald lem Iainsur auglloru tip uro13 aigeitune aq o; sasiao zapua'j /iq paztnbal aRelano° anuelnsui age231opi tip `costal /Sue Io3 `3I •3°a33a ut anutlnsui a2e2iJopi ag; uie ;upui of paltnbal stun an Sid iiegs Iamonog `ueo-j tip ;Iuntui 3o uot1ipuon a sn a°uullasui a2e5llopi pallnbai Iapua-i 3i •a°us.Insui a2u2poyti •OI 5upum u! Tamil an o; stare zapua ssaiun a2I0111 1011 hugS aptl aa3 alp pue piogaseai tip `/ivadold aj3 03 app aa3 salinbne Iam0I10g 3I •asaai agl 3o suoisinozd am iii ipim /Ciduio° iiegs Jamollog `piogaseai a 110 st 3uauinl1sui /Slunoas shin 3I •3Uaiu/ied auiisanbal 1amo1Jog o3 JapuaJ uio13 a°t1oU uodn `3saza3ui IJ°ns g3im `aigB/ied aq netts put 3uauiasingstp 3o a;ep a43 uro13 1111 aloud tip 3e 3sa1a1ui Rag !pis summit asag! luau /i1tln °as sun Sq pamoas Jamollog 3o um) ituoptppt auiooaq Hugs 6 cop °as stg3 Iapun zapua• /Cq pasingstp s3unoUlt /(uy 6 tiaras sup Iapun pazuoipne suopot !Iv Jo /cut gupitl Sou Io3 Aug!! 011 slnoui Jaguar! tern paa1RE su 1! •os op of uop1 Jqo zo App /Sue Iapun 1ou st pue os op of aim! 1011 stop Iapua-i `6 uot3 °as sun Iapun uoi3ne a)01 Amu zapuol Onog ;ty •330 zo 110 paulnl sapiii3n aneg put `suoi3ipuo° snozauep JO suoileiotn apoo I01110 zo 2uipiing a3nataiga `sadtd uio13 Jam utelp `smopulM put sloop do pzeoq zo aoeidal `s}looi affutgo `siledai oral 01 /ivadold alp Buualua `01 palm!! 3011 st 3nq `sapnput /C31ado1d an 5uumoas iuipaaoold A°3dtu) ueq a ut uoptsod pamoas slt 2utpniout luauin13sui /C;un °as sup Iapun s3Ii211 zoipue /i;ladold ag1 uT lsala3ui s3i ;°alozd o; saa3 ,s/Canloile aigtuosual Wed put `111100 ut &unaddn (z) `3Uaunl13sui /clumnas sun Ian° /i1uopd seg gptgm uag a /Cg pamoas stuns Cue Rut/Sed (i) `01 pawrniti Sou ale 3nq `apnput uen suorpe s,lapua1 •d ;ladold an &uutndal Jo /pue 5upn °as put `/fuadold alp 3o amen alp ruissasse Jo/pun 8ut3na3oJd 2uipni°ur `3uauinl1sui /C1jmnas sun Iapun sup!' pm Slladold ag; ut ;saga ;ut manual loa301d o1 a3tt1doldde Jo aignuoseal sr zanaamp& Io3 /Ctd pue op Amu zapuvi uaip `/CUadold agl pauopuuge seg zamonog zo `(suot3tin5a1 Jo sme! an1o3Ua 01 10 1U UJ1U1SUI /i;im°aS snp law /C ;ilotld uiu ;t ARM g°igM MIL n JO 1uauia°IO3ua Io3 `aln1ia31o3 zo 110i ;tuluapUO3 Io3 `alugold `Soldnlpiiie(' ut 5uipaaoold a se Bons) luatinllsui /S3unnas sup Iapun sup zo/pue /SUadold ag1 ut lsala;ut manual loa33e Spunni3i115is 3I Iui leap gulpaaoold re2ai u st amp (Z) `1uaumusui /Bile °as sup u! pautuluon s1uaUiaade pue suunuanoo an uuo31ad o3 site3 zamollog (I) n •3uaulni;suI ,flian °as sig3 .Iapun slg2ig pus ,S3.Iado.Id aq; ui ;saga ;ul mapuaq jo uoipa3oad •6 •aouaptsal itdinuud s,1am0110g Se /i310d01d tip 3o /toundn000 s,zamouog 5utulaouo° suot1t1uasaldal `03 po;tiuti 1ou ale lnq `apnput suot3u3uasaldal iutla1uyA •ueo-i alp gutm uoi3°auuon ui (uoiltailojui iuua1eai gltm Iapua-i aptnold o3 paite3 zo) zapuai o1 spa zo u0I3eau03UI alumnneut .10 `guipeolsuu `asie; /CIIegal= anti 11aSU00 JO 02paimm:DI S,J0MO110g TIM 10 1aM011og 3o uot3oaltp an 3e 2ut3 °u sat3i3ua zo suoslad /Cue JO IaMOI1og `ssaoozd uo11e°tidde ueo1 an utlnp `3I linBJap ut aq Hells lomollog •uorluoilddy uuo-I manto.uog •g 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 pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the 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. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim Loan Number: 0050051267 WYOMING-Single Famlly-- FannI. Mae/FreddIe Mac UNIFORM INSTRUMENT I.T. 3/00 407 Form 3051 3/99 (page 9 of 15 pages) MWYO9CV A3OtAMW (se6ed 9110 01 eyed) ewe 'sae uuoA fl'J is mui) 00 /e '1'1 1N3Wf1111SNI WHO4 Nfl DOW Nppa mil yuu•d-- pluald eieuISONIWOAM L9Z150050° :JegwnN ueo] s�el>Iu1) A;zadozd `sat; siCauzo; ;e `o; pa ;!tut! ;ou inq `gutpniout yuauunzisui ,Ciunoas sup zapun s ;ggu put A ;udozd au; u! ;sazami s,aapua-i gupoaiozd ;o asodznd alp io3 ;int;ap s,zamozzog inm not ;oauuoo ur pauuojiad saotnzas zo; sat; zamozzog agnngo Amu zapuai •sag.iego new' •t'i •Japua-i ;o sugisst put szossaoons alp 11.1attaq put (OZ not ;mas ut papinozd st ;daoxa) puiq IIEgs ivatmuisui A;unoas sutp ;o s;uatuaazgE put s 111tu0n09 aqy •gui ;um ut astaiaz gons o; =at 1apual ssaiun ivatuttnsui A;unoas sign spun Caninguni put suoptgllgo s,zamonog tutu pastaiai aq ;ou itEgs zam0zzog ;uaumgsui A;unoas siq; Japun s wauaq put s2T u s,1amozzog ;o iie utt;go Hugs `zapua-i iCq panozddt st put `gut ;um ut ivaumz ;sui Minns siq; Japan suOpmgtigo s,JOMOJJ0g satunsst oqm 1amouo11 ;O Isamu! ut zossaoans Auu `gi uopoas jo suotsunozd alp o; ioaCgns •;uasuoo s,zaugls -oo art ;notpim glom alp z0 ivatunzisui ,C;unoas sup ;o stun; alp o; piigaz ti7im suot ;upotuut000t Atm axtut zo ztagio; `Appom 'puma 03 aazgt ut9 Jamouog zatpo Aue put zapua-i lap saazgt (o) put ;uamtuisui A;unoas step Xq pamoas stuns alp /Cud o; pa;tgiigo Aiituosiad ;ou st (q) ;uatunz ;sui A;unoas sup jo suua; alp zapun 1Cizadozd alp ut ;sazaiun s,zaugis -oo alp ,Canuoo put ;utzg `agog ;zouu o; Aiuo ivatutu ;sui I ;tmoas sup 2u1011s -0o st (t) zau$is -oo„ t) aioN alp a ;noaxa iou stop ;nq ;uatunz;sui ,i ;unoas sup sugls -oo 011m zam0zzog Cut `zanamog !Jonas put ;idol aq hugs iC ;titgtni put suopaggo s,zamoziog ;tip saazgt put s ;ueaanoo zaAOJJOH •punog sugissI put szossaaans :saaugis -o3 :CIIIige!'I IeianaS pue ;uiof •£I Xpatuaz zo ;q211 Attt ;o astoiaxa alp apnioazd a0 JO zantEm u aq ;ou hugs `anp uatp ;unouut alp uttp ssai s ;unotut ut z0 zamouog ;o Isaza ;ui ut sz0ss00311s z0 sat ;nut `suoszad pznp umz; s ;uaw Ctd ;o aouu ;daoot s,zapua-i `uon3E ;?mni ;notpim iatpniout iipautaz JO iggu Niue gulsl9zaxa ut zapuaj Aq aourmagzoj •zamozzog ;o ;saza ;ui ut szossaoot>s ,iuE zo zamozz0g itutgtao alp Aq apet u putuuap Am ;o 110suaz Aq ;uauttuisui Allmon sup A pamoas stuns alp ;o uoprz ;zotuE Amour astmzatp0 zo ;11atu'Ced zo; amp puma 03 asn;az 0; zo Jammu% ;o ;saza ;ui ut zossaoons Auu ;sulay sgutpaao0zd aouatautoo o; pazmbaz aq ;011 !jigs zapua-i ~zamozzog Jo ;saza ;u! ut szossaootts AtE z0 zamou0g 3o i aqi astalaz 0; a;eiado ;011 iitgs zam01zog ;o ;sazaiu! u! zossaoons Ant JO aamozzog o; zapua-i ,iq pa;utzg ;uautnnsui i sup Fq pamoas stuns alp ;o uoptzpzoutt ;o u0pEogip0ur JO ;uatu1Ctd zo; amp alp ;o uoisuaixg •aanieA6, u ;oN! aapun Sg aaummagaod :paseaiag .iaMo.uog •ZI •Z not ;oas ut zo; papinozd zapzo alp ut patiddt aq Hulls d;zadozd alp ;o zitda.t zo u0nuzo ;sai o; middy mu am ;eq; spaaoozd snoautfaosTJ fly •zapua7 0; mud aq iitgs put paugisst Agazaq azt IC1zad0zd aq; III ;saza ;ui s,zapuaJ ;o ;uatuuttdutt alp o; algt;nqu ;iE am ;tip sup 1o; tuttio zo p.zume ,Cut ;o spaaootd agZ ;uatunnsui X ;unoas sup aapun s ;ggu zo I;zadoid alp ut ;sazaiut s,zapual ;o ivauutudutt !girt ;out nip JO 410do1d alp ;o azn;ta ;z0; sapnioazd ;uatugpnf s,zapua-i in Imp guITtu u tium passtutsip aq o; gunpaaoozd JO 110119E alp gutsnt9 A `61 not ;oas ur papinozd sr a ;e ;suta1 `pa.un000 stq uopuzalaoot JT `put ;InE ;apt gong azn9 11u9 zamuz0g ;uaunu ;sui *moos slip zapun s;gg!z JO Auadozd alp 11T Isaza ;ut s,zapua' ;o ivautuudtut ietza ;tat zaq;o s0 Aizad01d alp ;o azn;la;zo; ut ritual pinoo ;uom pnf s,zapuaj ul ungaq si `ituttutz9 JO !into zatpagm `guipaaoozd zo uopot /Cut 3n ;int;ap ur aq hugs zamofog •spaaoozd snoautiiaosry\i o; pztgaz 11t 110119E Jo 11121J t stg zamozzog mutpw;suregt ,i;.ttd alp zo spaa90zd snoautiiaosm lamina samo ;eg; Aped pzitp alp smut „IC;iRd gutsoddp„ •anp imp 1011 z0 =palm `ivaturu ;sui Allmon slip ICq pamoas sums alp 03 z0 A;zad01d alp ;o ztudaz JO uoptzo ;saz o; zatpta spaao0zd snoautiiaosm alp /Cid& puE ;oaijOo 0; pazu0q;nt st zapua-i `uanrg s! a9! ;ou alp aitp alp za ;3e sAtp p£ unplm iapua-i o; puodsa.r 0; silt; zamoil% `sageutep zo; AO L 4AMW (se5ed 91 to 11 e6ed) 66/C 1908 auo 6 0 00 '1'1 1N3Wf1UJLSNI WNOJINf OIW s q t e1O ONIWOAM L 9 1.500500:JequanN ueo.1 •luaumnsul iilunOas sup Jo put a;oN atp Jo Adoo auo uanlg aq hugs zam0zz0g qdO3 s,la,uoa.aog •LI •uopor ,Cue ale1 o; uope2llgo Liar lnotplM uopaIOStp aids sang „Attu„ Atom alp pue `eszan =IA put; leznid alp apnpul par UEatu Hugs zein &uis alp ut spzoM (Z) `zapua aulultuaj alp 3o spzom JO spzom zalnau Wuipuodsazzoa apnpul par maul fleas zapua augnosem alp Jo spzoM (I) :luatutuisui A ;unaas sup 11l pasn sy •uoisinozd 2utp'puoo alp 1nog1TM ra3 o uan'5 aq ueo gOlgM aloN alp JO 111at11nz;suI X ;unaas sup jo suolslnozd zatpo 1oa33e lot Help loilluoo lions `Mel aigeoliddy tp!M sioJT3uoo aloN alp 10 luatunzlsui 'ilpnoas slip jo asnep JO u0ISIAOzd Niue wtp Juana alp III •loezluoo Aq luautaa15e lsute2e uoplglgozd a se patulsuoo aq 1011 !legs aouails 'ions lnq `luaus aq lgalaa if JO 3OE11110O Aq aai 01 sapzed alp moue Applidtul zo Applidxa Wu11 ME'I aigeotiddy meZ aigeoliddy jo suoileuum pure s;uatuagnbaz ATTE o; ioafgns air luatun'lsaI Alpnoas sup uT pauleluoo suope5ligo put sii u !!y •pairooi si Alzadohl alp u{ouim ul uopoipsunf atp 3o mei alp pue mei iezapaJ pauzano9 aq hugs luau la sal ii ;unaas suLL •uoi ;onalsuop 3o wing :,f1!liquaanas :mug Suivaanop •91 •luatutuisal AlpriOas sup zapun luatuaztnbaz &ulpuodsauoo atp Ajspes II'M luatuazlnbaz mei aigeoliddy alp `me-I aigeoliddy zapun pazlnbaz osie s! luaumzlsul 1Cllztioas sup Aq paztnbaz aopou ,Cue 31 •zapua-I Aq pantaOaz Aiienmar plan zapual o1 uani2 uaaq aneti of pauuaap aq lo1 Ergs ;uatunzlsul A2Tznoas sup iplM uopoaUUo0 uT aOtlou ,Guy •zamozzog 01 aopou ssazppt zatpoue palett5pap set! zapua-I ssaiun utazag pawls ssazppe s,zapua7 01 putu ssEio lszg Aq 1T $uliletu Aq JO ;l &uuanliap uanTB aq liens zapua- of aopou Say atop auo Niue le luatunz ;sal *moos sup zapun ssazppe aopou paleuksap auo Aiuo aq ,Gera azatJZ •aznpaoozd pat3Tads let) Tifnon!) ssazppe jo a5uetp a lzodaz ,Ciao !legs zamozzog uatp `ssazppe jo outgo s,zamozzog &upzodaz zoj aznpaoozd a sagloads zapual ;I •ssazppe 3o o uEgo s,zam0zz0g jo zapual Ajpou Apdutozd !lens zamozzog zapua' o1 aopou Aq ssazppe aopou alp;psgns e paleaglsap seg zamozzog ssaiun ssazppy Alzadozd alp aq Timis ssazppe aopou a -Z •asptuatpo saztnbaz Aissazdxa me-I aigeoliddy ssaiun szamozzog He 01 aopou alnipsuoo Hells JOMOJIog auo nitre of aOtIoN •stre0U1 zatpo Aq was 3l ssazppe aopou s,zamozzog o1 pazanllap Aiienlpe uagm zo !reu ssep lszt3 Aq pall= uatlm zamo110g of uanp uaaq anet! 01 patuaap aq !pas luaumzlsul ,C;unoas sup gl!M 110p00ut00 ul zamozzog o1 aopou Auy •8uppm ul aq isnw luatunzlsri Alunoas slip tp!M uopOauuOO ul zapua-I zo zamozzog uant5 saopou iiy •saopoN .si •a2ze'pzano lions 3O 1no 5UTslze anrq lgglta zaMO1JOg 11090E JO 11421.1 'Cure JO zan'EM E aItppsuOO jJTM zaMOZZOH Ol luatuiCEd ppazip Aq apetu punjaz lions Cue 3o aouRldaoot s,zamozzoa (aloN alp zapun zo3 papinozd sl a8zetlo luatuArda1d t 1011 JO zatpagM) ;tatuArdazd /Cue lnotpTM ltatu1fedazd owed E SE mean aq iiTM uoponpaz alp `iedlpuud saonpaz punlaz E 31 •zaMOZZOg o1 111atuAed 1oazlp uupietu Aq zo aIoN ,atp zapun pamo pdtouud alp J'ulonpaz Aq punJaz sup amieut o; as0Ogp Auto zapuaq •zaMOZZOg Ol papunJaz aq TTtM slltult pallauzad papaaoxa ganiM zamozzog uIOz3 papa Apeazj1 stuns Aug (q) pue !luau pai1u iiod atp Ol aSzegp alp aOnpaz o1 Szessaoau lunotuI alp Aq paonpaz aq !legs a2zego ueol lions Niue (e) :tag; `s;T1111' pap alp paaoxa ueo'I alp tpIM 11olloautzoo ul paloalloo aq o1 JO pa1Oa!!oo sa2zego ueoi zatpo JO lsaza1U1 alp letp os palazdzalul Aiirau sl ME! ;etp put `sa2Jeg0 ueo! tuntulxem s ;as -palm MEi E o; ;pafgns sT UEO"i all 3I ME'I aigeoliddy Aq JO luatunzlsul Alunoas sap paiiqulozd Aissazdxa 0JE wtp saa3 a2Jetp loo Altu zapua'I •aa3 lions Jo fmategp atp uo uollTgltiozd e se pan1lsaoo aq 1011 !legs zaMOZZOg o; aa; o'mloods t ag1Et 0 o1 311atatnz1sul 1ilunoas sup ul A;IZOglne ssazdxa 3o aouasge alp `saaj 1agl0 Niue 03 pze2az uI •saa3 uOpenJEn pay uopoadsul 4 0 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by federal law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (i) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (ii) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (iii) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA Loan Number: 0050051267 WYOMING Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initial orm 3051 3/99 (page 12 of 15 pages) M W Y12CV Loan Number:0050051267 WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 41 1 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced 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(s) 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: (1) "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; (2) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (3) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law and (4) 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 (1) that is in violation of any Environmental Law, (2) which creates an Environmental Condition or (3) 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 (1) 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; (2) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (3) 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. orm 3051 3/99 (page 13 of 15 pages) M W Y13CV AOPIAMW (sexed gl Jo kl e6ed) 66/s INC uuO •m rj aigeoiiddy zapun palmund si aaj am jo 2ui8iega aril pug paiapuaa saOpnzas zo3 Mined pmp a o) pied si aaj aql ji Mao lnq luaumslsui Aliznoas siga 2mseaiaa Joj aaj g aamOLIOg amp iCrm zapual •sisoo uoilepioox Cu iu ,Cud HMIs Jamouog •luaumzlsui ii)iznoaS sigl amp.' iiggs iapua7 `)uauma)sui Aitmoas pamoas sums nu jo luaurhd uodn •asiaiag •£z ;l o; pappua ,ftiaai suosaad ao uosaad aq; o; ssamxa Situ (a) pug ;uawna;sul ,mamas sig; fq painaas stuns II11 o; (q) :saaj ,s,Cauao; ;g algiuosiaa 'o; pa ;lull ;ou ;nq lulpnpul 'albs aq; jo sasuadxa Ile o; (11) Japao 2ulaolloJ aq; ul pailddu aq lugs as aq; jo spaamoad agy •ales 'fug ;g Slaadoad aq; asmpand few aau2Isap s;l Jo aapua•I •AAe'I amt. ,Cq paglamsaad Jauuuu aq; ul pios aq pegs ,f;Jadoad aq; pug 'ales jo all ;ou aq; gslignd pegs aapual •Sj uol ;Jas ul paplAOad aauueu aq; ul aantoaaog o; aces aq; Jo all ;ou aAl2 ;pm aapual •,►ur1 aigemllddy toot aautipaoaae ul ;uaaajjip 31 q;Jadoad aq; ,lo uolssassod ul uosaad aq; o; pug aakkoaaog o; asopaa0; 0; maw; Jo ampou an42 Hugs aapua3 'ales Jo aaAtod aq; swim; aapuai 3I •amuaplAa am; Jo s ;sox pue saaj s fauao ;11 alquuoseaa '0; pailful; ;ou ;nq '2ul 'zz uol;mas siq; al paplAoad salpawaa aq; gulnsand ul paaanmul sasuadxa ile ;mailom o; pappua aq Tugs aapuarl •Ate7 alqualiddy ,fq pa;;lwaad saipauaa aag ;o ,fue pug ales jo aaMod aq; a)loAU! ,few puu puewap Japan.; ;nogllm. ;uawna;sul ,f;lanaas spy ;fq paanmas suns ou jo itnJ ul ;uatuXud a ;gipawm; aJrnbai ,few uofdo s ;l ;e aapual 'aml;ou aq; ul pa jpads a ;11p aq; aaojaq Jo uo paana ;ou sl ;InuJap aq; 3I •Jigs pug uol;gaaiaaau o; aaA 0JJOg Jo asuaJap aag ;o Xue ao ;in1Jap g Jo aaua;sixa -uou aq; ;Jass0 o; uoi ;au ;anon g 2upq o; ;gala aq; pug uopuaalamme as ;311 a ;0;sulaJ o; ;Op aq; jo JaAo.aog maw; aaq ;Jnj Hugs qs ampou aqy •ApadoJd aq; 3o is pug ;uauna;suj ,f ;lamas siq; fq paanaas stuns aq; jo uogeaalaaag ul ;insaa Sum aml;ou aq; a pai31ads app aq; aaojaq ao uo ;in113ap aq; aanm o; aaniluj ;1113; (p) Pug :palm aq ;snw inujap x13; 13m113At fq 'J0n1oJJo11 o; uam3 sl ampoa x13; a;gp x13; woij sSup o£ ug13; ssat ;0u 'a;gp 11 (m) :;ingjap x13; aanm o; paambaa uol;m11 ag; (q) :;ineJap x13; (11) :,fipads Hugs ami ;0u aqy •(aswaq ;o sap3Aoad mu salon gj uo[;mas Japan uol;11aalamm11 0; aolad ;ou ;nq) ;uatunJ;sul £;unman s113; ul ;uatuaa128 Jo ;ugaaAO3 Ate Jo gamic; maAuwog 2ulmoll0j uop8aapaae 0; aolad aasutUog 0; ampou hugs aapua' •salpawag :uol;11Jalaaay •Zz :smoiioj SR pug lueaaAOO Jag)zn; Japuari pug J3MOJ.JO11 SINVNaAOO LAIWIOdll fl NON p we •1 1N3WnFliSNI WNOdINn oeW I ppSJ /o.W Nuuy -A1W J eibu!SONIWOAM L9Z mom :JegwnN ueo1 AMIAMW (seBed gL /o gl e5ed) Blue tsos uuo :IV 8110sa13114nd Iv ;oN [WS JO; OM SIla MOleg eoedSI oois •11 1N3Wnd1SNI WdOIINn oeyq slppe dieen eluuu NlweA e1 0 01 14 11 L 9Z 4900500 :JagwnN ueo] saudxa Po! ssimuxoo �W l' U �Z g iew seJIdv3 uolss;wwo0 w Y yy 8ulwo6M �Gj ulalun 10elelS W fO3 011ana ANVION -18VHNI38 11'3 'ewes egl pelnoexe Aegl /egs /ag legl ew of pa6palMOUre App oqM yuewrulsui anoge eql to (s)ieu6ls eql IS3M 1 3NVI0 PUB 1S3M A SINN30 ow atom paaeedde Apeuosied o p p *a v to hp 5.4 pY eq u0 N100NI1 AO ALNI1OD :ss OMWOAM JO 3.LVZS 1S3M 1 3NVI0 -4Q r nc), 1S3M A SINN30 •lt Tpim papioaai pus zamonog Aq poinoaxa (s)zap. Aut' ut pue;uauznr sui Allmon sup uc paum;uoo s;uzuanoo pup suuaa alp saa.ar pup s;daaat. .Iamollog MO'ina JNINoIS AEI 1unuo,CM 3o smIi uopdtuaxa pra ;sautoq alp 3o analtn Aq pup zapun s ;ti3t1 its sanirm pup s xamollog •saaninm •{,Z p WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN: Charlotte Neel- Reinhart NOTICE: THE MORTGAGE SECURES A CONSTRUCTION NOTE THAT CONTAINS A PROVISION ALLOWING FOR CHANGES IN THE INTEREST RATE. INCREASES IN THE INTEREST RATE WILL RESULT IN HIGHER PERIODIC PAYMENTS. MORTGAGE RIDER 0050051267 (Page 2 of 2) Y 1 1 4 The Mortgage Rider is made this 20th day of December, 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage of the same date given by the undersigned (the borrower) to secure Borrower's Note to First Security Bank, N.A. (the Lender)of the same date (the Note) and covering the property described in the Mortgage and located at 400 NARROWS TURNERVLE RD, THAYNE, WY 83127 (property address) In addition to the covenants and agreements in the Mortgage, Borrower and Lender further covenant and agree as follows: A. INITIAL INTEREST RATE. The Note has an initial interest rate of Seven and One -Half percent 7.5000 B. CALCULATION OF CHANGES. The Note interest rate may be adjusted periodically, as described in the Note. Changes in the interest rate are governed by changes in the prime rate of interest quoted by Prime rate is the bank's announced rate of interest used as a reference point from which the cost of credit to customers may be calculated, and is subject to change from time to time The bank may make loans bearing interest above, at or below its prime rate. TRANSFER OF INTEREST. Should Mortgagor sell, convey, transfer, assign, lease, encumber, or in any other manner, dispose of the property covered by this Mortgage or any part thereof or any personal property at any time covered hereby securing any or all of the obligations secured hereby, or turn over the possession, management or operation of the property covered by this Mortgage to any person, firm or corporation, or sell, convey, transfer, encumber, or dilute more than fifty percent (50 of the current outstanding capital or ownership of the Mortgagor, or agree to do the same, without prior written consent of the Mortgagee, then Mortgagee shall have the right at its option to declare all obligations secured hereby immediately due and payable. Consent to any such transaction shall not be deemed to be consent or waiver of the necessity of consent to any other transaction. Upon the occurrence of any such transaction, either with or without Mortgagee's consent, Mortgagee may increase the interest rate of the indebtedness secured hereby to its then prevailing rate for loans of this nature, as substituted rate of interest for that stated on the Note secured hereby. If Mortgagee RID1 MCON NOOV OId (Z Z aSvI) L9Z lS00S00 l S3M 1 1S3M A SINN30 (s)zamouog •anogt aip jo ijE oa saaz;lu zamozzog `slip 2uud!s tg '110T1OVSTIEJ1 1100S 1OJOI oa swoop.' sat &ui &uuuo zoj a5zuuo aornzas aiquuoseaz u pied aq hells aaBu2azoj `ptusazo3E p #uasuoo atp of uorupp1 ut `a2egazoyAi sup Aq pazanoo iC;zadozd aip jo za;suEZx JO aoueXanuoo `OM Auu jo aouazzn000 alp uodn •zapunazaq suope2tigo Cue wag paseajaz aq iou iiEgs zo5i iow `a2u2a.row slip ,Cq paznoas ueoi alp jo uoudumssu of zo/pue uopousuU 3 lions ICU of s;uasuoo 416 SCHEDULE C Legal Description for Dennis V. West and Diane L. West That part of the SW %SE' /a and the SE'/ %SW'% of Section 12, T33N R119W of the 6th P.M., Lincoln County, Wyoming being part of that tract of record in the Office of the Clerk of Lincoln County in Book 454PR on page 348, described as follows: BEGINNING at a pipe, N 14 °24'52" E, 629.04 feet from the Southwest corner of said SW VISE thence N 28 °54'46" E, 155.18 feet to a pipe; thence N 66 °36'38" E, 130.26 feet to a pipe; thence S 78°01'11" E, 140.13 feet to a point; thence N 03 °42'44" W, 509.49 feet to a point at the intersection of the southerly right -of -way line of the Narrows- Turnerville County Road 12 -128 at the beginning of a non tangent circular curve to the right, from which its radius point bears N 08 °06'39" W; thence Westerly, 85.45 feet, along the arc of said circular curve through a central angle of 06°39'31", with a radius of 735.29 feet, to a point; thence S 88 °32'52" W, 227.82 feet to a point at the beginning of a circular curve to the left; thence Southwesterly, 176.78 feet, along the arc of said curve through a central angle of 16 °41'13 with a radius of 606.98 feet to a point; thence S 71 °51'39" W, 46.17 feet to a point, AND leave said right -of -way line; thence S 20 °48' 16" E, 652.16 feet to the PIPE OF BEGINNING.