HomeMy WebLinkAbout870538WHEN RECORDED MAIL TO:
First Security. Bank, N.A. 81053
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
Words used in multiple sections of this document are defined below and other words are defined
in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this
document are also provided in Section 16.
(A) "Security Instrument" means this document, which is dated December 27, 2 0 0 0
together with all Riders to this document.
(B) "Borrower" is
JAMES A SHAWVER and SHIRLEY T SHAWVER, husband and wife
Borrower is the mortgagor under this Security Instrument.
(C) "Lender" is Fi Security Bank, N.A. Lender is
a Corporation organized and existing under the laws of The Un i t e d States of Amer i c a.
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 27, 2 0 0 0
The Note states that Borrower owes Lender
One Hundred Sixty -Seven Thousand, Seven Hundred and No /100 Dollars
(U.S. 167, 700. 00 plus interest. Borrower has promised to pay this debt in regular
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 of Rights
in the Property."
(F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and
late charges due under the Note, and all sums due under this Security Instrument, plus interest.
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Space Above This Line For Recording Data
MORTGAGE
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BECEIV i)
LINCOLN COUNT`{ CLERK
Di 311 2 F12
JEANNE WAGNER
KEMMEF ER. WYOMING
BOOK-__ "7" PAGE 12
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WYOM NO- Single Family-- Fonnia Maa/Fraddia Mac UNIFORM INSTRUMENT Form 3051 3/99 (page 1 of 15 pages)
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hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power
of sale, the following described property located in the COUNTY
of LINCOLN [Type of Recording Jurisdiction]
[Name of Recording Jurisdiction]
LOT 16 STAR VALLEY RANCH PLAT 7, LINCOLN COUNTY, WYOMING AS DESCRIBED ON
THE OFFICIAL PLAT THEREOF.
which currently has the address of 273 CEDAR DRIVE
THAYNE
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, 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: 0050052125
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
[Street]
[City] Wyoming 83127 "Property Address
Cit [Zip]
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Form 3051 3/99 (page 3 of 15 pages)
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such waiver may only be in writing. 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 atnount. 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 pray, 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 Conununity 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: 0050052125
WYOMING-Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials Initials
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UOTI a of foafgns sT kiladold agi 3o lied Cue sauiullaiap 1apua'I 3l •fuaunufsal Afunoas
sigi of uail am 2upeui lapua'I of £10foe3Spes ivaUlaazge un uaTJ am 3o zaplog am U1013
samoas (o) to :papnpu0o ale auipaaoold rpm 'pun Alm inq `5luipuad alt: Ouipaaoold asap
align uaTl am 3o iUauiaolojua alp fuanazd of afelado uoiuido s,lapua'I uT goTgm Ouipaaoold
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:0050052125
WYOMING-,Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials Initials
730
Form 3051 3/99 (page 7 of 15 pages)
MWYO7CV
A380AMW
(seded gt jo a eyed) 66/C IOC Mad
TEL
00 /E '1'1
1N3WnH1SNI WHOdINn °•W •IPPNd/loUW 6 1uuod AIwe-J elBuISJNIWOAM
SZLZ500500 ueoi
•anxasaz ssoj 'ions uo aurora zo lsamatup /Cue xamozzog Xi d 03 paimbaz aq 0011 jjegs zapua-j
putt `IIn3 ur mud Xjalwiuiijn sI urol ail teLp jar; am Aipuels1pTM1ou `ajqupun;az -uou aq Ergs
anzasaz 5501 gaps aouEZnsul a5r5poJAI jo nail rn anzasaz SSOT ajgepun;az -uou E se sluauiAed asap
umutaz puE asn `tdaoo1'pm zapua-j ;oa ;a ur aq o; pasuao aExanoo aoueznsur a uagM anp aJOM
lem stuamiied pateuaisap Xjalezedas ail jo 1unotue ail zapua-j of fled o; anupuoo Begs zaMonog
`alqulrene 1011 sr aezan00 aouuznsuj a3r2pojAl luaNAInba iCjpn uilsgns ;I •zapua-I At props
nitwit! aE$U0ui aleazatjE uE TUOx; Pa ;a ur Xlsnornazd aouExnsul aE51zojAI alp jo zaMOZZOg
03 3500 aql Ol lualunmba iCjjEpuulsgns lsoo E to `1001 ;a ur Alsnoinazd aouuznsuj ageg ;zolnl
am 0l tuajenmba iijjepuetsgns agexan00 uTEtgo o; pazmbax stunmiaid ag; Cud Begs zaMOZxog
`aouuznsuj aeffliow zo; sumruiazd alp pxemot swanked d paleu sap Aja1ezedas aval o; pazrnbai
set zamoxxog puE aoueznsup 'ions paprnozd JCjsnornazd Nip xaznsui agi pouf alp uiozg algelpene
aq of saseao zapuarj icq pa/Thai a5ez0n00 aou .insuj age8lxoAt 0113 `uosEaz xo; `3I •10a ;a
u1 aoueznsuj aBEalzoj, ail; uleluteui of pazrnbaz snug maid a pied jjegs zamoziog `ueoi ail
2uppm jo uopmpuoo E se aoueansuj a5e51Joinj pazmbaz zapual ;j •aaueansui a$031op •Oi
2ur ;TJM 11i Jail= am 01 SaaaE Jarmo-1 SSajun a$zaui 1011
IIMIS app aa; a1ll puu plogaseal 0111 `/C1zadozd ail 03 app aaj saimbou zamozzog ;j •aseaj ails jo
suOTsrnozd aTll ITE ippt Ajduzoo HMIS zam0zzog `pj0gaseaj u uo sr 1110W11nz1suj IC1rzn0as siip 3I
luauiked 9upsanbai zamozzog O1
zapua'j mox; aopou uodn Isamu! lions mrsi `ajgehd aq IIEgs puu 1uauraszngspp jo alup am Tuoz;
a1EZ aloN a l le Isaxalu! zeaq pugs stunome asa'iy •luauinxtsaj IC1Txn0as split Aq pamaas zaMOxxog
;o lgap IEUOrtrppu auiooaq finis 6 uopoas spill xapun zapua-j Xq pasxngsrp stunouUE Arty
61101300S
spp xapun pazuogln1 51101301 IN zo XUE &IT /El 3011 z0; MIRE!' ou sznOUI zapua-j 1Egl Naar
si tI os op 03 uoiaggo zo iCtnp Cue xapun 1011 sr puE os op 01 anE1 1011 saop zapual `6 11011005
5Tg1 xapun u0pt0u a) 3 Xeut zapua i nogljd •330 10 110 pauznl sappjpn aneg par `suopmpuoo
snoza5uep JO suopej0rn apoo Tomo x0 Surplmq ampulla `sadid 11O4; za3EM uUEZp `smopuIM puE
sloop do pzeoq zo aoejdaz `s}jooj a5uego `szpedat algal of ICtzadozd alp 2uualua `01 patiuirj 1011
sp lnq `sapnjour Xizadozd ail 2mJnoas 5uipaaoozd A01dnDIuEq E uT uopisod paznoas s1T Buppnjour
`luauinzlsal dlun0as split xapun slgu zo /puE ,Clzadozd alp ui Isazalu! sl1 rapid O1 saa; ,siCauzol1E
ajgeuosuaz Rur,CEd pup 'moo up guueadde (z) `luaumztsuj iCiunoas spit JOAO 1111011d
S eg goppn uapj E pamoas sums XuE guiCtd (I) `01 pap!' 10u axe tnq `apnjOur UE0 SUOp0e
s,zapuarj qtzadozd ail Buuteda.z zo/pue 2uun0as pue `Xlzad0xd aqt ;o awn 0113 Rupssasse xo/puu
5uT30alozd 2urpnl0ur luauin-Tlsuj dlun0as srip xapun sl1211 pue Alzadozd 0111 11r isaza1u1 s,zapua-j
ram' 01 a3EudozddE zo algEUOSeaz 51 zana1EgM zo; /Cud puE op XuUJ zapual uagl `X1zadozd
ail pauopuequ seq zamozxog zo `(suopEjn2az zo smuj aOZO;i.Ta 03 zo luatutixisuj ,C1un0as spljl
zOnO Xluoud urullu XEUI gap im nail a ;o tuauia010;ua zo; `azn ;pa ;z0; zo uopuuuiapuoo zo; `a1ug0zd
`iCOtdnz3IUEq ur npaaoozd a se lion) tuaTunzlsuj iClunoas 5!111 xapun st 'i5u zoipue 1Clzadoxd
a up Isazalu! s,zapual 100; ;E Apae01Jrug!s WTI 1ETp &urpaa0ozd Iaa1 E sr atom (z) luauinzlsul
iti!moas 511.13 111 pauretuo0 stuauiaaau puE s1uIUanOO ail Tiizo ;lad of sjre; zaMOZZOg (I) 3I
;uawna ;suj ,f;unoas slq; .iapujl s pue ;f;aado.id ag; uI ;saga;ui mapua' jo uol ;0a;oad •6
•aouaprsaz jediouud s,xamozzog se iClzadom 31.1330 buudn000 s,zam0zzog
5u1uza0uo0 suope3Uasaxdax `ol palm!! mu an mg `apnjoui suoputuasaidaz jeizalejnI °ueol ail
glIM uopt0auuo0 111 (11olleiuxo ;UT IeTxate=U TIt1M xapual aprnoxd 03 palmE; ao) xapua-1 of stuauialets
10 U013Eazxo ;up alEZn00EU1 JO `211rpEajSUUT `3SIE3 XITEua3WWT ana luasuoO 10 apajmou4 s,zaM0110H
IlIM JO x0MOx1Og JO uoploazpp a to Rup0e sap11ua x0 51105x3(1 iCUE x0 x3MOJ1Og `ssa001d
uopeogdde ueo-j aljl 5uunp ;r ijnu ;ap ur aq jjE'is JOMOIJOH •uol;eollddV u1 o' s •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: 0050052125
WYOMINOSingle Family Fannie Mae/Froddie Mac UNIFORM INSTRUMENT
I.T. 3/00
nitials Initials
732
Form 3051 3/99 (page 9 of 15 pages)
MWYO9CV
AOOLAMW
(se5ed 9110 01 eyed) 65/e L906 w'°
sI RIul slef!ul
00/E 'IA
1NBWfkkLLSNI Wk10i1Nf1 3eW e1PPell/eaW quay- -NlweJ el ONIWOAM
5Z 12500500:JagwoN ueo1
Xazadozd `saa3 sXauzOaau `01 paapup aou anq `2uipnjout `auaumzasuj Xarznoas sup zapun sa
puu Xazadozd atp ui asazaaur s,zapuaJ 5upoaaOZd jo asodznd a zo3 `ajnupap s,zamozzog tpiM
uoraoauuoo ut patzzzojzad saOrnzas zo3 saa3 zamozzog 021u14o Xuuu zapun -I •sa2auto um/ •1'T
•zapua-I
3o suss puu szossaoons atp ajdauaq puu (0z uoi3Oas ut paprnozd sm idaoxa) purq nulls auatutuisuj
Xaunoas sup 3o sauatuaaau puu Sau1UOAOO atjy •5upIM ut asuajaz Bons oa saaz5u zapuaJ
ssajun auaumzasuj Xaunoas sup zapun XaiIlquii puu suoparjgo s,zamozzog wog pasuajaz aq aou
Hugs zamozzog •auatunuasuj Xarznoas sup zapun sagauaq puu saggu s,zamozzog 3o HE uruago Hugs
`zapuarj fig panozddm sr puu 'apuM ut auatunzasuj Xarznoas sup zapun suotaaggo s,zamozzog
satunssu oqM zamozzog 3o asazaauj ui zossaoons Cu m `gj uopoas jo suorsrnozd am 01 anafgns
•auasuoO s,JOURTS -09
am a omyn aaoN aga JO auatunzasuj Xarznoas sup 3o scum aga oa pzaaz tpim suoraupouuuOOau
Xuu 03jutu JO zuagzo3 'Amour 'puma oa aaau uun zamozzog zagao Xuu puu zapua-j
amp saaJRu (n) puu :auatunzasuj Xaunoas sup fig paznoas stuns am /Cud 01 paauffggo Xjjuuoszad
aou si (q) :auatunzasuj Xarznoas silp 3o stuzaa atp zapun Xazadozd aga ur asazaaur S,z4u2TS -0O
atp XaAUOO puu auuz2 `a5u5azotu oa Xjuo auatunzasuj Xaunoas scup &uru2rs -oo sr (u) „zau5Is -oo„
aaoN aga aanOaxa aou saop anq auatutuasuj Xarznoas sup stars -oO own zamozzog Xuu `zanamog
•Tuzanas puu auuof aq jjutjs Xaujrquuj puu snot ijgo s,zamouoil autp saaau "puu saumuanoO
zamozzog •punog sajssy puu saossaOang :saau5js off :X;mgen ieaanas puu aulof •£I
•Xpatuaz JO 11121.1 CUR 3o as1OZaxa aga
apnjoaid zo 3o zanimm u aq aou jjmgs `anp tram aunouuu aga Imp ssaj sumo= III JO zamozzog 3
asazaauj ui szossaoons zo saiauaua `suoszad pnl.p moz3 sauaugud 3o aourdanou s,zapua-j `uopuaiuurj
anotpTM Iuupnptur Xpatuaz JO ag$u Xuu &11ts1OZax0 ur zapua-j Xq aoumzmagzo3 Xuy •zamozzog
jo asaza)uj ur szossaoons /WE zo zamozzog juui5rzo am Xq apm puutuap Xuu 3o uosuaz Xq
auatunzasuj Xaunoas sup Xq paznoas sums am 3o uorauziazouuu X3upom astmzatpo JO auato/Cud zo3
amp puaaxa oa asfJaz 01 zo zamozzog 3o asazaauj uu zossaoons Xuu asuau sSurpaanozd aouatuuuoo
01 pazmbaz act mu Hugs zapual •zaMOZZOg 3o asazaauj ur szossaoons kin zo zamozzog 3o Xarjiquzi
aga asuajaz Oa aamzadO aou jjugs zamozzog JO asazaauj ur zossaoons SUE JO zamozzog Oa zapua-j Xq
paauuz2 auatunzasuj Xarznoas sup Xq paznoas stuns am 3o uorauzuazotuu 3o uora1OIJIPotu JO auauaud
zo3 atop atp 3o uorsuaaxg •aaAllM a ION aapuarj Sit aaueaeagao3 :paseala21 joN aaAtoaaog •Z1
•z uopoas ui zo3 paprnozd Japes atp ur pagddu aq
Hugs Xazadozd am Jo zrmdaz zo uopuzoasaz oa paijddu mu am autp spaaoozd snoauujjaos!JAI IIy
•zapual oa mud al Hugs puu pau2issu
Xgazag azu Xazadozd am uu asazaaur s,zapua-j 3o auatuzrudtui am 01 ajquangrzaau an Gump sautuup
zo3 uuiup zo pz1MU Attu 3o spaaoozd agy •auatunzasuj Xarznoas sup zapun suj5p zo Xazadozd am ui
asazaaur s,zapua-j 3o auatuziudun jurzaauuu zaga0 JO Xazadozd atp JO aznarajzo3 sapnjoazd `auaw pnf
s,zapua-j ui `autp &urjtu m garm passruusrp aq oa 5uipaaoozd zo uotaom am 5ursnuo Xq `61 uopnas
ur paprnozd su aauasuraz `pazzn000 suq uouauzajaoou 3r `puu fnujap u inns azno uu0 zamozzog
•auauunzasui Xaunoas sup zapun sagprz zo Xazadozd aga ur asazaaur s,zapual 3o atatuzrudtur
juuaauuu zagao zo Xazadozd alp 3o aznarajzo3 ui ajnsaz pjnoo `auatu5pnf s,zapua-j ui `atria
un5aq Si `juuuuuo JO Iwo zatpagm &uipaaoozd zo uot3OR Xuu 3r ajn1Jap ur aq Timis zamozzog
spaaoozd snoauuiposzjAi pzaaz ui uop0u 3o 31 T1 m sag zamozzog tuogm asui1R1 Xazud atp JO
spaaoozd snoaumjjansrjnj zaMOJJOg samo autp Xazud pimp a somata „/Card 8utsoddp„ •anp uaga
aou zo =palm `auatunzasuj Xarznoas sup Xq paznoas sums am 01 zo Xazadozd atp 3o zrudaz zo
uoramzoasaz co =pp spaaoozd snoauujjaosTJA atp Xjddu puu anajjoo oa pazuotpnu sI zapua7 `uanr.
sr aOraou alp aaup ail zagm s/Cup p£ urtprm zapua-j Oa puodsaz 01 suuj zaMOf0g `saftuup zo3
734
inspection and valuation fees. In regard to any other fees, the absence of express authority in
this Security Instrument to charge a specific fee to Borrower shall not be construed as a
prohibition on the charging of such fee. Lender may not charge fees that are expressly
prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally
interpreted so that the interest or other loan charges collected or to be collected in connection
with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by
the amount necessary to reduce the charge to the permitted limit; and (b) any sums already
collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender
may choose to make this refund by reducing the principal owed under the Note or by making a
direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a
partial prepayment without any prepayment charge (whether or not a prepayment charge is
provided for under the Note). Borrower's acceptance of any such refund made by direct
payment to Borrower will constitute a waiver of any right of action Borrower might have arising
out of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security
Instrument must be in writing. Any notice to Borrower in connection with this Security
Instrument shall be deemed to have been given to Borrower when mailed by first class mail or
when actually delivered to Borrower's notice address if sent by other means. Notice to any one
Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires
otherwise. The notice address shall be the Property Address unless Borrower has designated a
substitute notice address by notice to Lender. Borrower shall promptly notify Lender of
Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change
of address, then Borrower shall only report a change of address through that specified
procedure. There may be only one designated notice address under this Security Instrument at
any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class
mail to Lender's address stated herein unless Lender has designated another address by notice to
Borrower. Any notice in connection with this Security Instrument shall not be deemed to have
been given to Lender until actually received by Lender. If any notice required by this Security
Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy
the corresponding requirement under this Security Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All
rights and obligations contained in this Security Instrument are subject to any requirements and
limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to
agree by contract or it might be silent, but such silence shall not be construed as a prohibition
against agreement by contract. In the event that any provision or clause of this Security
Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other
provisions of this Security Instrument or the Note which can be given effect without the
conflicting provision.
As used in this Security Instrument: (1) words of the masculine gender shall mean and
include corresponding neuter words or words of the feminine gender, (2) words in the singular
shall mean and include the plural and vice versa, and (3) the word "may" gives sole discretion
without any obligation to take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security
Instrument.
Loan Number:0050052125
WYOMING-Single Family Fannie Mae/Freddie Mae UNIFORM INSTRUMENT
I.T. 3/00
InItials Initials
orm 3051 3ro9 (page 11 of 15 pages)
MWY11CV
AOZIAMW
(sa5ed 9t 10 et abed) 66/C Igoe W au
spipui s�siuu�
Oo /E '1'I
1N3WATLLSNI wuoA Nl OVW NPPa eeri oryusA -Awe eIBulgONIWOAM
SZlZS00500:iegwnN ueo
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Tirol Mau all JO ssa1ppr pue aura ail aims 'um goiom agurgo alp JO 0O11011 11a111JM uan12
aq THM .raMoa.zog !Alas urn ail 3o agugoo r sr aLatp JI 'aloig ail Jo airs a o1 palriazun
JaoinlaS Tirol all Jo sagurgo a10111 10 auo aq Igglru °sir crags •Mrl aigmooddy pug `1uaun ulsui
iiljnoaS sup 'awls' ail .spun suoilrgiigo gupTnlas Tiro! a5rglzour Jaglo suuo3Jad pue luaurnJlsui
'ilpnoaS slip pue aloM ag1 Japan anp s1UamArd olpouad spaii°o legl „JaornlaS uro-i„
col sr umou3i) Slpua col Tit agurgo r uT linsaz 1oglar airs y •10momJ0g of aopou JOpd lnoglim
saw!) aroar Jo auo pios aq uro (luaurtulsui iClpnoas sup uliM J 1pago3) a3°N a[p ui lsalalu!
ieplyd r Jo ZION aoZ •aauBAaia3 3o aoi;ol :aaapaaS uro' Jo a2uug3 :a;oN Jo airs •0Z
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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 Lai+" 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.
Loan Number: 00 50052125
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
nitials Initials
736
orm 3051 3ro9 (page 13 of 15 pages)
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LOAN NO: 0050052125
WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
ATTN: Charlotte Neel- Reinhart
STAR VALLEY RANCH
PLANNED UNIT DEVELOPMENT RIDER
THIS PLANNED UNIT DEVELOPMENT RIDER is made 27th this day of
December 2000 ,and is incorporated into and shall be deemed to amend and supplement the
Mortgage, Deed of Trust or Security Deed (the "Security Instrument of the same date, given
by the undersigned (the "Borrower to secure Borrower's Note to
First Security Bank, N.A.
"Lender of the same date and covering the Property described in the Security Instrument
and located at:
273 CEDAR DRIVE, THAYNE, WY 83127
The Property includes, but is not limited to, a parcel of land improved with a dwelling, together
with other such parcels and certain common areas and facilities, as described in
LOT 16 Star Valley Ranch Plat 7, Lincoln County, Wyoming as
described on the officialplat thereof. See attached Schedule A.
(the Declaration The Property is a part of a planned unit development known as
(the "PUD The Property also includes Borrower's interest in the homeowners association or
equivalent entity owning or managing the common areas and facilities of the PUD (the
Owners Association and the uses, benefits and proceeds of Borrower's interest.
PUD COVENANTS. In addition to the covenants and agreements made in the Security
Instrument, Borrower and Lender further covenant and agree as follows:
A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's
[Name of Planned Unit Development]
I
[Property Address]
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MULTISTATE PUD RIDER Single Fam y -Fann e Mae/Freddle Mac UN FORM NSTRUMENT
FORM 3150 3/99 I.T. 10/99 (page 1 of 3 pages)
739
nitials Initials
RMS1PUD
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Owners Association; or
(iv) any action which would have the effect of rendering the public liability insurance
coverage maintained by the Owners Association unacceptable to Lender.
F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender
may pay them. Any amounts disbursed by Lender under this paragraph F shall become
additional debt of Borrower secured by the 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.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in
this PUD Rider.
LOAN NO: 0050052125
a (Seal)
ES A SHAWVER Borrower
SHIRLEY T SHAWVER
741
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
MULTISTATE PUD RIDER Single Family Fannle Mae /Freddie Mac UNIFORM INSTRUMENT
FORM 3150 3/99 I.T. 10/99 (page 3 of 3 pages) RMS3PUD
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7PL
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WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
ATTN: Charlotte Neel- Reinhart
MORTGAGE RIDER
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.
743
The Mortgage Rider is made this 27th 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
273 CEDAR DRIVE, 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 Five Eighths percent 7 6250
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
0050052125 (Page 2 of 2)
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745
MORTGAGE INSURANCE RIDER
This Mortgage Insurance Rider is made this 27th day of December. 2000 and is incorporated into
and shall be deemed to amend and supplement the mortgage, deed of trust, or security deed (the "Security
Instrument of the same date given by the undersigned "Borrower to secure Borrower's note (the "Note to
First Security Bank, N.A.
"Lender of the same date and covering the property described in the Security Instrument and located at:
273 CEDAR DRIVE, THAYNE, WY 83127
[Property Address]
The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument
has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at
the lower right corner that is earlier than 3/99):
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if
Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into
agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms
and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these
agreements. These agreements may require the mortgage insurer to make payments using any source of funds
that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance
premiums)
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other
entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from
(or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for
sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an
affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the
insurer, the arrangement is often termed "captive reinsurance." Further:
(A) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage
Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will
owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
(B) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage
Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the
right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to
have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage
Insurance premiums that were unearned at the time of such cancellation or termination.
MULTISTATE MORTGAGE INSURANCE RIDER Single Family Fannie Mae Uniform Instrument
Form 3160 8 /00 (page 1 of 2) 0050052125
3160
M1
By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and supplements the
Security Instrument.
AMES A SHAWVER Borrower
(Seal)
SHAWVER Borrower
(Seal)
MULTISTATE MORTGAGE INSURANCE RIDER Single Family Fannie Mae Uniform Instrument
Form 3160 8/00 (page 2 of 2)
746
Borrower
(Seal)
Borrower
31608