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UNIVERSAL MORTGAGE CORPORATION
744 North Fourth Street,
Milwaukee, WI 53203
Prepared By: ROSEMARY FOLK
DEFINITIONS
6(WY) woos)
Page 1 of 15
Initials:
VMP MORTGAGE FORMS (800)521 7291
Space Above This Line For Recording Data]
MORTGAGE
Recorded at 'OM
in Book 4 Pagp 4.E. 1. Kemmerer, WY
No. Of' ce Jeanne Wagner, Clerk
B oa aELEAs OP
This Mortgage
SEE 000K_y OF M8Rt6A S
R#tE 5,x.7 2
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 November 29, 2000
together with all Riders to this document.
(B) "Borrower" is WILLIAM G. CLINES AND MARTHA A. CLINES, Husband and Wife
Borrower is the mortgagor under this Security Instrument.
(C) "Lender" is UNIVERSAL MORTGAGE CORPORATION
Lender is a CORPORATION
organized and existing under the laws of THE STATE OF WISCONSIN
WYOMING- Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01
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(P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not
that party has assumed Borrower's obligations under the Note and /or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and
modifications of the Note; and (it) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
Lender and Lender's successors and assigns, with power of sale, the following described property located
in the THAYNE of Linclon
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
All that tract or parcel of land as shown on Schedule "A" attached hereto
which is incorporated herein and madea part hereof.
Parcel ID Number:
-6(WY) (taxis)
12-3419-221-00-191-00
957 County Road #125 Thayne
"Property Address
which currently has the address of
[Street]
[City] Wyoming 83127 [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also
be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
"Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for
encumbrances of -record. Borrower warrants and will defend generally the title to the Property against all
claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
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
Page 3 of 15 i
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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 he obligated
under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow
Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall
pay to Lender all Funds, and in such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality,
or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home
Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under
RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the
escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and
Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable
Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or
earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the
Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by
RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as
defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up
the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to
Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the
extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to
Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or
defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the
enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded;
or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this
Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain
priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10
467
Form 3051 1/01
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;o 1SO0 041 paaoxa Ai;uEOijiu5is 10itu pauie;go os a2E10A0O aoueznsui a4; ;o lsoo 041 leg; sa2palmot1OE
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of
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lapuari 1E1p spouad 0111 10; puE (slang! aigiionpap 2uipniotn) denote= am ui pau!EluiEUZ aq Bugs aouElnsU1
aoueznsui salinbal zapua'i gottmM 104 `spool; puE Sa)j1nb411ea `o1 pautuq 1ou 1nq `fuipnloui Sp1EZEg
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j uonoas slg1 ui anoge 41104 las suollOE
am To 0.10111 .10 auo 331111 10 11314 0t41 4511ES HMIS 10M0110g `U0A0' SI 0011011 1E41 4ot4M 110 amp 0941 4o S1Ep
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 (a) Borrower's rights to any insurance proceeds in an amount
not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) 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 60 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.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process,
Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or
consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to
provide Lender with material information) in connection with the Loan. Material representations include, but
are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal
residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If
(a) Borrower fails' to perform the covenants and agreements contained in this Security Instrument, (b) there is
a legal proceeding that might significantly affect Lender's interest in the Property and /or rights under this
Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
Instrument, including protecting and /or assessing the value of the Property, and securing and /or repairing
the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which
has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
4 -6 mos)
Page 7 of 15
Form 3051 1 /01
469
IO /1 I SO£ i0au3
0 l
Senn i
S[ JO 8'Bed (SOW) (,1,1)9-
•punJaa Xun o; aamoaaog at ;t;ua ;ou mitt Slam pun 'aaunansuj a5e24.1oN ao3 amo mitt aamoaaog
;unotue ay; asnaaaui jou jpm s;uauiaaa2n tans •ueoZ at; jo smaa; aagmo ,Cue ao 'aaueansul o2e2 ;ao1A4
ao3 ,fed o; paaa5n snq aamoaaog ;eq; slunotue am pa33e ;ou jjim s;uauiaaa2e Tans Suy (n)
:Iag11ng „•aouelnsuiai ani1d0o„ pauIlal uai ;o sr luauta2umun am `iainsut
014 01 mud suzniulald all jo alggs E 10; o`duE'OXa 111 31s11 s,lalnsui a'1 3o aim's 11 Sa34111 lapual jo aI IJI33e
ug 1m141 Sapinold luatuaai g lions ;j sosso u1onpal 10 `3TSil mains!!! 021 210U1 ag1 2uj ipoui 103
a2umtpxa lit '0ou111nsuj a5Ec�lloj^[ 103 sluauiifmd s ;O uonlod g (Se pazilalaelm'a aq lijaiui Jo) 111013
0A11ap 1111 slunow (Jijloalipui JO Amain)) aA10001 AtLU &u10f0103 a'1 3o AUm JO 01Ett33E ATE JO `41111110 n'10
XuE `Iainsuiai Sue `lalnsui lagloue `aloNj O'1jo JosE'alnd ,tun `Iapual `s1U0u1aa1511 asap jo ljnsal E Sy
(stuniulald
aouelnsuj aallojns uiou pauielgo spun] apnpui dguu q nqm) ajgijienm aim Stu! Jamsui a 4J0 t aql Imp
spun] 3O aolnos AUE sluaulifEd 034o11 Ol Jalnsui a5e2iloui am aljnbal SEtu sluaulaal a asaq,j, •sluauiaalae
asap 111 (sai11Ed 10) Surd Jaw 0 p pug J0IUS11t O�nf410U1 0141 0l JC101ag;sllgs aIg leijl suOilipuOo puE swim uo
a1g S1U0LU0a1 m Osagd, sass0j aonpal 10 `?jsil Iiag4 i(]Ipoul 10 aim's 1111 sa111nd hula I1IM S4Uatuaal5E mu! Ia1Ua
Sum pug 'own 01 awn 11104 0010; 01 aoUElnsUi gins 4411 uo 3TS[I 111101 1ia141 alEnl11na snit afa110inj
aouelnsui O E 11minj a'1 01 ii11Ed E 400 5! JOMOIIOH poi sr OEOl am dal 4011 saop I0M0110g 3i mom
Sum li SasSOI 0[111100 103 (oloN am sasEgolnd le'1 Smug Xu11 .10) Iapual sasingtUial aouelnsuj aga110Inj
•a1oN am lit papinOld am a'1 111 Isamu!! iced 01 J1014E$11go S,10M011og S1 OT uoiloas S144 ui 2utgloN1 "MEl
ajgooijddy itq pa si uo1IEUnulal jpun JO uo141101111101'ons JO3 ajpinold Iapual puE IaM011og uaamlaq
luautaa.1ge uallilm /ium grim 00u1p10000 111 spud aouelnsuj agE$110jnj 103 ;UaWialinbal mapual Iilun '0A1OSOI
sso4 ajgopun3al -uou 11 apinold 04 to 'mama!!! 0o11111nsuj a$11$11ojn1 uIEluiEUI Ol palinbal stuniuiald am ad !Tugs
IOMOIJOH `aouElnsuj 0 0 11ojnj 103 sumiui0ld 0141 p1mM01 SluaU1,igd pal0U5isap Iija111J11daS 034E111 01 palinbal
sem IaMO11og pug U00l alp 2uT3jeui 3o uOilipu0O a SE aOuOlnsu4 a2E5lloIAI palinbal lapual 3I aouelnsuj
a2gfuoJAT 103 suiniuiald alp pl5MO1 sluatu ed paleuaisap STalo1odas salinbal Japual put `paujelgo si `ajgEjilAE
sauiooaq uioE Iapua'j Aq palaaIas Jams!!! UP Sq papinold (salmbal zapual 111'3 pound a141 10; pug 1UnouiO am
111) 0 010A00 00u0lnsuj afO1J0JA1 31 S1U0UL 0d anlasal sso4 alinbal Iafuoj ou 11mo lapu0l •anlasal ss04 lions uo
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Imp 10¢3 all 5U4puElsg14M1Ou `ajgOpun4al -uou aq 111311S anlasal S804'MIS •0011E11504 0E 110IN JO nai4 114 OAJ0SOI
sso4 ajggpUnJa1 -uou 11 sr SluaulXOd asap 111¢103 pun asn `1daaa11 4JIM JapUal •1aa33a ui aq 111 pasgao 0 1110AO0
aouelnsuj 0141 uagm anp aIOM 1em1 sluatuSEd palgaisap 1jaloledas am13o moue 0141 Japua' of 1Cod 01 anu1luoo
jjEgs 10M0110g `aJgElignO low Si 02010A03 aounlnsuj ad1JOIAj luaJEAinba 1C11eiluOlsgns 3j •lapual 1q paloajas
Ialnsut aO11oum 01001014¢ uE 111013 `100330 114 1jsnOinald aOUOlnsuj aTal1Ojnj am JO IaMO11og 01 IsOO a'1
01 lU0jOAmba /S440i1UO1sgns lsoo 11 40 `1oaga 111 1jsnojnald aouElnsuj agallojnj a141 01 1uajEnmba 144Eiluolsgns
01010A00 u1E1g0 04 palmbal suinTUlald a'1 (Ed t4E'S IaMO110g `aouElnsuj 0fa11ojAI 10; suinnUald alp p1EMO1
sluaut/ied pa10112isap C4a101Edas ammmut 01 palmbal sum JaMOI10g puE amyl 'ons papinOJd 1jsnojnaid
10141 IalnsuI 0$0$3101U a'1 111014 a4g0ji0n0 aq 111 sas0aa Iapual SETT pannbal 05E10A00 aou01nsU4 02E21101AI alp
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•$uiu1M lit I051011I am 04 S001ff0
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;o a10p alp tu013 031)1 010N 0141 1e 1sa10111! Jgaq 1111145 51110Ot00 asa14Z luaumllsuj 1Cliznoas sup 1q palnoas
JaMO110g ;o 1Qap j0u0i1ipp11 aulooaq Hulls 6 uo4laas sup Iapun Iapual 1(q paszngsip slunoule /City
.6 uoiloas sup Iapun paz1loglne
suojla0 1i11 JO ,tun 211134111 1011 10; Slujigoil ou shout Iapual 1¢141 paa1f0 Si 11 Os op 01 uo11ditgo Jo /Amp
/WE Iapun 1011 si pu0 os op 01 0A11' 1011 saop Iapual `6 11011aaS sup Iapun 110110E 03401 Sum Iapual !Pimply
•3;o s0 uo paulnl sapt1ln 0A011 pun `suoilipuoa sn0la &uep 10 sumi1Ejoy,. apoo Jaglo Io 2uipjmq 030uitui10
`sadid 11101; 101EM uiWlp `sMopuiM puo sloop do pleoq JO ao0jdal `s)oo4 amp `slt0da1 03411111 0l JilladoJd
a'1 �OiJalua `04 pa11u1ij 1011 si lnq `sopnjoui SlladoJd aq1 2uunoas tuipaaoold 1Coldn134uoq 11 ui uopisod palnoas
sit $uipnjaui `1110Utlulsul Sljlnoas si141 Joplin s114$!1 lO /puE 1lladold 0141 ui Isamu!! sIi 1o01o1d of Saa3 ,s1auloll11
(h�
(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.
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 for damages, Borrower fails
to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and
apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this
Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower
Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous
Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest
in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration
has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a
ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of
Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim
for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned
and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall he applied
in the order provided for in Section 2.
-6(WY) (0005)
Page 9 of 15
Form 3051 1/01
TO /T TSO£ 11110 ,1
SlJo
ts000) (X,41)9 CS)
•luatunrisuj 4unoas slip spun 1uawa.nnbal 2utpuodsauoo at p
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luawn.usuj Slunoas slip lltm uopoauuoa ut:aoifou Suy •1aMO11og o1 aopou Sq ssalppe Iagl0Up paleu2tsap seq
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aq Aeui alagd, •ainpaoord pat ;toads fegp g2nolgi ssalppe jo amp e Modal Sum imp Iamollog uatf `ssalppr
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ut S1OSSaoons 10 sappua `suosiad pltgl tuoi; sluaul,Ced jo aouolda000 s,rapua`j `uopoliuitj lnogj!M `2utpnput
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10 IaM011og jpuOuo alp ,iq appal putulap Cup 3o unseal Aq 1uau1n11suj Siltinoas sup Xq pampas sums ag13o
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e)-6(WY) (0005)
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: (a) words of the masculine gender shall mean and include
corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and
include the plural and vice versa; and (c) 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.
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 Applicable 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: (a) five days before sale of the Property pursuant to any power of sale contained in this
Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's
right to reinstate; or (c) 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, instrumeptality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this
Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had
occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the
Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower.
A sale might result in a change in the entity (known as the "Loan Servicer that collects Periodic Payments
due under the Note and this Security Instrument and performs other mortgage loan servicing obligations
under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of
the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be
given written notice of the change which will state the name and address of the new Loan Servicer, the
address to which payments should be made and any other information RESPA requires in connection with a
Page 11 of 15
473
Form 3051 1 /01
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(soon (A M)9-
NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. 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 Section 18 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 Section 22, 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 Section 15. 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.
23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this
Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for
releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the
charging of the fee is permitted under Applicable Law.
24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption
laws of Wyoming.
®6(WY) coons)
4 75
Page 130115
Form 3051 1 /01
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STATE OF WYOMING, Lincoln County ss:
The foregoing instrument was acknowledged before me this November 29, 2000
by William G. Clines and Martha A. Clines
My Commission Expires: January 11, 2004
LAURIE McKEE NOTARY PUBLIC
COUNTY OF STATE OF
LINCOLN t;' WYOMING
®6(WY) (0005)
Page 15 of 15
Notary Public
477
Form 3051 1 /01
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