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Home My WebLink About870499„Japual „JamoJJog [Au] st JO2g2lzout aqj 7 0 9 J iDVcU1d c NOO $WW(XMi •J3I3VV :9 )VP!, -NNV3r :7 l l 7 330 00 )0.010 \1 Nc1OO N100Nf r,l Y3 LJe.jaEd TSO£V1VN.[ S[ET]liij .LN3INRll,LSNI TNNOlINR agN[ 2 11 1 ,03 g /ae1Q aluueI LIMA aI8uIS -`JNINIOAM [apoj diz] „ssaippd Auadoad TOTES 5'ururoAM [mils] HHHa}Thl )I HIINHAV HSV T Z G 3o ssazppg aql sgg gorgm 1IEIHXH 1I 03HOVs.V '33S :2ujutoXM 'Aluno3 N`IO3NI7 uj palgool Xuadozd pagposap utmojio3 aqj 'am 3o zamod glrm `zapuai of ICanuoo pug lugJ2 'a2g$uoum ,CgaJaq sop iaMoj.jog `asodznd sjgl zo3 •aloN am pug luaunuisui '(lrznoaS sigl zapun sluautaaJ2g pug sluguanoo s,JamOIOg 3e. aaugumaojzad aql (o) pug `luaunulsui /ClrznoaS sjgl 3o Alrznoas aql loaloJd 01 L gdgi2gzgd zapun paougnpg Isamu! qpm `sums Jaglo jig 3o luaut,tgd alp (q) `aloN alp 3o suopgot3ipouz pug suorsuaixa 'sigma= Hu pug Isamu! glim `aloN alp Aq paouapjna igap alp Jo luaut,CgdOJ agl (g) :Japual 03 smogs luaumJlsul Alpnoas s ins T £OZ T Saunus j' uo ajggkgd pug anp `Jatjzga mud 1ou 31 'Nap TIT gip gpim 'sluaul1Cgd Aigluout zo3 sapjnoJd go[gm „a1oN luatutulsui XipnoaS TB se algp mugs aql palup alou s,JamoJzog iCq paouapjna st lgap situ, 00 000' ZS 'S'fl) swiloQ 00T/00 QMY QM/SnOHS OMs As3 23 3o ions igdjouud aql zapua-i same. JamgJzog 0 6 ZS AM NOS SNYns •LS NIVN TOOT sj ssazppg asogm pug 3o smgj aqi Japan 5'ujlsjxa pug pazjuggJ0 st gojgm V3IHHNV 30 SHSVSS amLINn NYN QHIHHKWNn NK 'HassIH I Zsaus 8 Z H Eampaa uo uan32 sj „luaunuisuj XlunoaS„) iOYOI2iOI'j SIH.L H9V L IOTA [e]eu atgpioaaU iod aun sigj anogy aaeds] 60 01..8 NOI LVIDOSSY DNI?INVH 'IVNOISKN )NVH 'IriNOLIMN ISHI3 01 uanjg sj luauzru1sul 'ljznoaS sjgy SZV8T0 Z8: •ON NVOZ 0£628 XM 'NOSSNKns •ss NIVW TOOT SSSM -?INBH 'IXNOIIVN IS2II3 O s Nunazu aaattooa2i NHHM 603 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. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. 2601 et seq. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may 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 such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may 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. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may 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, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more thari twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. WYOMING- Single Family Fannie Mae/Freddie Mae UNIFORM INSTRUMENT FNMA3051 Page 2 of 7 Initials:( :ste11nII 17 0 9 L Jo a2ed ISOEVIIN3 ,LNaiVRII1SNI INNOlIN(1 awn alppaaajam atuum Amnia alSuIS -ONIIQOAM .os op 01 an11g lou saop iapuari 'L gdulgglud sup zapun uopog 00!141 Arm lapua -I ggnogud 'slredai amigut 01 Suadold 0141 uo uualua pug saa3 ,siCauloue algguosgai gutA11d 'moo u! gup11adde luaumusui Il sup .I AO ,Clizot.Id se14 goigm uaq pain0as sums iiue gupied apnioui Amu suoiloe s,Japuari •Auadold agl uu sup/ s,zapua-j pug Alladoad am 3o amen agi 10a1oid of £i ssaoau si lanale4M 103 /Cud pug op Amu zapua-i uagl `(suop111n301 10 sm111 00103110 of 10 alnita31o3 10 uolfeuutapuoo 103 `alggozd `Aoldnzlugq ui guipaaooid a sr guns) Afzadold ag1 u1 slggi1 s,lapuaj 1oa33e /Cilue0t Arm rem gutpaaoozd !14140! a s! aaag1 10 `luauntusui Ai!lnoas sup u! paurefuoo sluaulaazgg pug siuguanoo agi ut1o31ad of sile3 1amo11og 31 ilaadoad aq; ul s;q pj s,aapuaj Jo uol;aa ;oad •L guifum ui 1aRtatu am 01 50011411 lapuari ssaiun agzaut iou 1!14p5 0111 aa3 ag1 pue piogasgai a4i `Auadold alp 01 app aaj saunbou 1amolzog 31 •asual 041 3 suolstnold 0141 u gitm 'i[dutoo Tie14s 1amonog `piogasuai 11 uo si luautnuisui Alpnoas sup 3I 'aouapisaz I11dtouud u se Ailadom ag13o ,iougdn000 s,lamoilog 2uiula0uoo suoiluluasazdai `of paltuu!! iou 1nq `gutpnioul `aloN agi paouapina ugoi 0 141 mum uotloauuoo u1 (uo1111uuoJul iuuairtu ,Cure g11m lapua- apinold of pail113 1o) lapuari of sluatuawls 10 uoilguuojui algznooeui 10 asii3 Aiigualutu aneg 'swoon' uogroiidde ugoi am guunp `1amofog 31 iin113ap u1 aq oslg uugs 1amo11og •isatalui Aipnoas s,lapua-i 10 luaumuisui /!ulnas sup Aq paigazo ma am 3o luauuigduii iei1aleui aaipo 10 Auadoid 0141 ui lsaIalui s,Jamolz0g 0141 3o alnuajzo3 sapmoaid 'uop11utuualap gu113 poog s,lapuari ut `111141 guiiiu g glim passtutstp aq o1 gutpaaoold 10 uopou 0141 guisneo Aq `gl gdriStred ui papinozd se `algisutaI pug iingjap 11 Bons azno Arm 1amonog •1sazalut Aum0as s,lapual 10 luaumzisui /Clunoas sup iCq paigazo uaii a4f ltuduu! 1Ciiepalgui asimlaglo 10 Alzadozd am 3o ainiiajzo3 ui linsaz moo luatugpnf gite3 poog s,zapuaj ui 1eg1 ungaq si `Iguiuiizo so T1nlo 1aglagm `guipaaoozd so uoilog alnita31o3 fug 3! iinupap u! aq [!11p5 1amo.uog •Alladold 0141 uo alsgm 11111ulo0 JO `aigiopaiap o1 Ailado1d aqi mode `,CUadozd 0141 ziedui! 10 aguiep `Aollsap 1011 hugs 1aMO11og 'iolluoo s,lamozlog puoiiaq a1u goigm six saouulsutnolio guprnualxa ssaiun 10 `piaggiim ,iigquosuaIun aq 1011 hugs ivasuoo 140l4m `guptzm u! Saa1ge aspwamo zapua' ssaiun `iiourdn000 3o amp am 1a13i 111aii auo isgai 114 103 aouapisat iediouud s,lamollog se AilIodold 041 Adno0o o anuifuoo hugs pug 1ua11tnlisul !.Inoas sup Jo uopnoaxa 0141 Jove sAup ,ilxis uiglim aouapisaz igdiouizd s,lamonog se /ivadold agi asn pug `gsiiquisa `,Cdn000 imp zamozzog •splogasea'I :uol;eoliddV ueoZ s,aamoaaog :Spada'," aq; Jo uol ;oa;oad pue aaueua;uiumi 'uol ;enaasaad ',fauednazO •9 'uolusmbo11 am 01 loud S[al11iPautuu luautnlisui iCuln0as S1gf /Cq palnoas sums alp Jo 31103x0 a41 01 lapua-i 01 sled iiegs uolltslnboi am 01 loud Aliadoad a41 01 ageuiep uto1u gupinsal spaaoozd pug saloiiod aou111nsui Attu 03 lggu S `lapua'i ,iq paltnboe si ,Cuadozd a41 iZ gdgzgezed lapun 3I •sluatuAd alp 30 lunoure aqi amp 10 Z pug i sgd111g11111d ut of pa11aja1 sluauuhd A141uotu am 3o alep anp 0141 auodisod 10 puma iou hugs ludioupd 01 spaa001d 3o uoi ogddd Atm '&1pp/A ui 0011414 astituomo lamoz10g pare lapua-i ssaiun 'uanlg s! 00!10U 0111 uagm ulgaq !um pouad hp 0145 anp U041 iou s0 1aglagm 'fuautngsui Aumoos sigl Aq palnoas sums ,cud 01 10 Auadold 0141 0101501 10 itgdal 01 spaaoold 0143 asn ,Cum Japual •spa00old a0u11znsul agi 1oa[io0 Amu lapual 110141 `utieio 1 aims 01 pa1a33o 5114 zaulg0 a0ire1nsut 0141 legl 1apuari uto13 a0ilou 11 &iup p£ ulgilm lamsug 1011 saop 10 `iClladold am suopu11ge 1amo11og 11 '10MO110g 01 pied 5500x0 Niue 411M `anp 110141 1011 10 1ag1a4m luautnllsui Iilun0as sup iiq pamoas sums am 01 paiidde aq liens spaa0old aouglnsui 0141 `pauassai aq mom Aum0as s,lapua -i 10 aigis11a3 Alle0iutouooa 30U Si Medal 10 uopEIO1S0J 0141 3I 'pauassai 10u s1 ,Ciiln0as s,lapuar[ pug algisea3 iCiie0tutouooa Si ltgda1 10 u011u101SOI 0141 3! `paggutup Auadold alp 3o ztgdal 10 u011e101s01 of pagddu aq hugs spaaoozd a0uelnsu! 'guppm ui aa1ge aslmzagio 1amo11og puu zapua-1 ssaiun •1amonog /Cpdulold apgui 10113! 5501 30 3ooid wpm Amu 1apua'1 •1apu0 4 pu11 10!11140 a0u111nsui aril 01 00!10U lduiold anig [legs Iamo110g `ssoj 3o mono am uj •saOtfou I11maual pug sutntuiaid pied 3o s3d1a0a1 ii 13 1 3 ua 1 01 anlg ii[1dtuo1d [lugs 10M011og `sazinbaz zapuf 31 's[11m0ua1 pue saioiiod 0141 ping of 111211 am anm hugs lapua-i •asn11[0 aguguotu pirpuris 11 apni0ui Hulls pure lapua' o1 algefdaoo11 aq t11114s siemaual pue saioiiod 0ouglnsut 'L gde1g11111d gum aougploo0g ui Aizadold 0111 u! s3g211 s,lapua' loafoid o1 ag111ano0 utelgo `uondo s,lapua7 111 'ti11w lapuo' `anoqu paquosap 0 1110A00 urefui11111 01 site310M011og 3i •piati pim Ajgeuosgalun aq iou 1111gs 4014M I11nolddu s,zapuari 01 loafgns 10MO110g ,iq =No aq Timis aou11lnsu! 0141 2 uip1nold zat11110 aourinsui 0111 •salinbaz lapua-j 111141 spotlad alp 103 pare siunoui1 alp ut paulglut11m aq hugs a0uglnsui silty •a0u11msul saunba1 lapua'l g014M 103 `211ipooT3 10 spoon 3uipn[0ui `sp111Z114 10410 !Cue pue „a B1mo0 papualxa„ 111101 041 ul4iim papn[oui spurt! `0113 ,iq ssol 1511!111411 palnsui ,C11ado1d agi uo pa10a1a Impala! 1O gupslxa MOU sluautanolduul aril dam! isms 10A 01108 •aaueansuI £;aadoad ao paezEH •s •00110U 3o 21114 alp Jo &igp pi utgum 0A0 11 111103 10S suoil0e alp Jo 010111 10 auo 01114110 1101! 0141 AJSI es BegS 10M01101 •110li 0141 2u!JipmaP1 0011011 11 JOMO11og anlg AEU' 1apu0'i luaiunlfsui 11i1n0as sup JOAO ii1i1oild ul11u11 Amu g014m ua11 11 of loafgns si /Cuadold am Jo i111d Aug 111141 sauluualap lapuari 3I 'luautnllsui Alpn0as sup 01 u01i agi gu!11utp1ogns zapua7 01 £to1o113spes luautaalg11 1111 hat[ ag13o 1apiog 0141 UIO13 50111005 (o) 10 `U04 alp 30 luauta01OJua 0141 luanald o1 af1110do uoiuid0 5,1014110'i at11 u! g0i14m sguipaaooid [egal `u! ua1T ammo 1uatu001oJua lsuiug11 spuaJap 10 `fCq mil am 41!113 poog u! slsaluo0 (q) `.lapua -i o1 ajg111dao0u Jammu 11 ui uai[ 0141 xq paln0as uotiegl1go ag13o luatuA11d a141 01 gullum ui saaz511 (11) :1amozlog ssaiun luautnzlsul S111n0as sup JOAO 4z011d 51114 40igm hail Aug aglegostp A[ldutoid Hugs 1amo11og i 605 Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by. Lender lapses or ceases to be in effect, 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 approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the 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 condemnor offers to make an award or 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 proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. 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 such payments. 11. 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 any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successors in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Severable Liability; Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument but does not execute the note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower'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 may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Page 4 of 7 Initials: St 1� L 3o s abed ISOEVI INA t �-7 :S�BryIllI 1N31V(111,LSNI N12103INR 0 aippai,1aew aIuuu3 Allure3 ONIN[OA61 •AUadold am 3o aouuualutum o1 puu sasn jepuaplsaa lguuou of algudoldde aq o1 pazudooal Auelaua2 ale 1eg1 saouelsgns snoplez11H 3o soup Rub Hums 3o Auadold 0141 uo atlols JO 'asn `aouasaid am o1 Aiddt lou !!14141 saoualuas om1 2uipaoaad aqy m117 jtluautuoltnug Au113o uo!)tiotn ut Si 114141 Auadold 0141 2upoa33e 5uig)Att11 `op 01 asp auoAue moue sou `op mu Jugs 1am011og •Auadold 0141 u! 10 110 saoutlsgns snoptz11H ,Cue jo as110pa1 10 `a511lols `lgsodstp `asn `aouasajd 0141 q ulad JO asngo lou Jugs lamouog •Saoue;sgns snopaezeH •0Z •mei aiquotldde Aq pa.zinbaa uotlguuoju! iaglo Au11 utuluoo osp !pm aotlou aqj •aputu aq prnogs sluatuAud gotgm 01 ssatppu 0141 puu laojnlas uuo-i mau ag13o ssa.Ippe puu atuvu a14101111s iiim aopou aqj •mui aiquoiiddu put anoqu j! gduau.red glim aouup.t000e u! amp a1413o ao!10u ualltam uanj2 aq !um .zamouog `1a0in1as ueori ag1jo auutio t si 00014131 •a10N a1413o 0!111 u o1 paluiaaun 1031AJOs uuo alp jo sauugo aloes .10 auo aq Attu 0S 00014,!, •luatunulsui Agm0as sup put aloN at1 aapun anp sluatuAtd A1g1uoui maim ltgl „aaoinaas uuori„ ati su umou3l) A1i1ua am III amp 11 u! linsaa ,foot airs d •1am0uog o1 0o1lou loud 1nog1jm sauzil aloui 10 auo pjos aq Attu (luatut ulsul Agmoas situ 141iM aaglaol) 010N 0141 111 1Sa1a1ut Mind u .10 a1ON a14I •aaotnaas uco-I jo a2uego :a;oNj Jo aieS '61 •LI gduaguaud lapun uo!)11laiaoot jo asuo 0141 uT Aiddu 10u Jugs a1111suial 01145!1 sup `JanamoI •paaan000 pgq uoilu1al000u ou 3i st aniloa33a AIrn3 uituiat !Tugs Agaiaq pamoas suoilaiigo a141 puu luatunllsui Agmoas sup! `1amo11og Aq lu0uia1111sui01 uodn •pauugoun anutluoo TTtgs luatuntlsui Alimoas sun Aq pamoas sums a141 A11d o1 uotlaugo s,lamouog puu Auad0ld 0141 u! 1114211 s,aapua-i `luatutulsui Animas sup 3o uati am itgl alnsst 01 a1inbal Ajquuostat Auuz lapua7 111 uoilou tons sa3l111 (p) put `.saa3 ,sAauloilg ajgtuosiaa `01 mum lou 1nq &uipnpui `luatunalsuI A1pnoas sup 2upl0Jua ui p011n0ui sasuadxa iiu sAid (o) `.sluatuaaa11 so sluuuanoo 101410 ,Tut JO 1inujap Aug samo (q) :paun000 pe14 uotle1ap00u ou 3i se 0!0!14 am pug luatunalsui Allmon sigl lapun anp aq pjnom ua141 t0itm sums 1111 lapua -i sA11d (g) :lamoalog 1 0111 suot)tpuoo asogj •luatunilsul Aiunoas sup $uioao ;ua luatu2pnf 11 3o A11uo (q) 10 `luatunalsui Alunoas 11141 u! pautuluoo alts jo lamod ,Cog of 1uunslnd Auadold a141 3o arts aaopq (luatualuisuiat 103 A3iads Amu MET aiquoilddd s11 pooad 101410 tons so) sAup g (u) :3o /ailaua am o1 aoud amp Au1 1e panuiluoosip luatunalsul AlunOas sup Jo luatuaoaoJua anti o1 114Wi1 am aim! 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If Borrower learns, or is notified by any governmental or regulatory authority, 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. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances 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. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with applicable law. Lender shall give notice of the sale to Borrower in the manner provided in paragraph 14. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by applicable law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtsey and dower in the Property. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] x Adjustable Rate Rider 1 -4 Family Rider Balloon Rider WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Condominium Rider Graduated Payment Rider Rate Improvement Rider Other(s) [specify] TAX EXEMPT FINANCING RIDER Page 6 of 7 I 607 Planned Unit Development Rider Biweekly Payment Rider Second Home Rider Initials: 21(2- go quzod agq oq gaag 5uTuun.z pus TT, NooTg ptes •buzuuTSaq 00'00T 'S ,9ZoE9 N aouatI4 :gaag 00'OL 'M ,tzEo9Z N aouagq !laag 00'001 'M ,9ZoE9 S aouaq !gaa3 00'0L S if/Eo9Z S aouau: go aauaoo gseauf.zou auq qs SuTUUZ6ag :sMoTTo; ss pagTaosap ATasTnoTgasd axow 5utaq buTwoiM 'Iquno3 uIoouUZ 'aaaawwax go uMOJ, alp oq uoTTTppV gsaTg au4 uT TD NooTH Jo Z puP T sIoZ 3o JTPTI -auo ATaauf1ou atEI v0 V T zgTu x S Witnesses: by: BRETT I. RITTER BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it Person(s) Acknowledging In WITNESS WHEREOF, I have hereunto set my hand and official seal. My Commission expires: Augus 12, 2003 WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Page 7 of 7 c1�tGry C1C• gjtL BRETT I. RITTER (Seal) Borrower (Seal) Borrower (Seal) Borrower STATE OF WYOMING SS: COUNTY OF LINCOLN The foregoing instrument was acknowledged before me, a Notary Public, on the 28th day of December, 2000. Date County of Lincoln Kerry Millich Notary Public State of Wyoming My Commission Expires _8_ =2 13 1 (Seal) Borrower MORTGAGE ADDENDUM EXHIBIT C The following is an Addendum to the Mortgage. The addendum shall be incorporated into, and recorded with, the Mortgage. TAX EXEMPT FINANCING RIDER This Tax Exempt Financing Rider is incorporated into and shall be deemed to amend the terms of the Mortgage to which it is attached. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: Lender, or such of its successors or assigns as may, by separate instrument, assume responsibility for assuring compliance by the Borrower with provisions of the Tax Exempt Financing Rider, may require immediate payment in full of all sums secured by this Security Instrument if: a) All or part of the Property sold or otherwise transferred (other than by devise, descent or operation of law) by Borrower to a purchaser or other transferee: i) Who cannot reasonably be expected to occupy the property as a principal resident within a reasonable time after sale or transfer, all as provided in Section 143(c) and (i) (2) of the Internal Revenue Code; or ii) Who has had a present ownership interest in a principal residence during any part of the three year period ending on the date of the sale or transfer, all as provided in Section 143(d) and (i) (2) of the Internal Revenue Code; or iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(c) and (i) (2) of the Internal Revenue Code; or (iv) Whose family income exceeds applicable income limits as provided in Section 143(f) and (i) (2) of the Internal Revenue Code. b) Borrower fails to occupy the property described in the Security Instrument without prior written consent of the lender or its successors or assigns described at the beginning of the Tax Exempt Financing Rider, or c) Borrower omits and misrepresents a fact that is material with respect to the provisions of Section 143 of.the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to Internal Revenue Code as amended, in effect on the date of execution if the Security Instrument and are deemed to include implementing regulations. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions in this Tax Exempt Financing Rider. zice d 2dL-- Borrower Brett I. Ritter MPP 210 -B (Revised 12/95) Borrower 610