HomeMy WebLinkAbout870269WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
0050050798
DEFINITIONS
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 4 2000
together with all Riders to this document.
(B) "Borrower" is
LEONARD J SWINYER and THALIA A SWINYER, husband and wife
Borrower is the mortgagor under this Security Instrument.
(C) "Lender" is First Security Bank, N.A. Lender is
a Corporation organized and existing under the laws of The Un i t e d States of Amer Ica
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 4, 2000
The Note states that Borrower owes Lender
One Hundred Eight Thousand and No /100
(U.S. 108,000.00 plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full not later than August 1, 2016
(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 charge, and
late charges due under the Note, and all sums due under this Security Instrument, plus interest.
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MORTGAGE
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WYOM NO- Single Family- -Farm Mae /Fraddla Mac UNIFORM INSTRUMENT
I.T. 3/00
Recorded
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Page i 0 Kemmerer, WY
Jeanne Wagner, Clerk
Form 3051 3/99 (page 1 of 15 pages)
M W Y07 CV
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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 34 OF THE STAR VALLEY RANCH PLAT 6, LINCOLN COUNTY, WYOMING AS
DESCRIBED ON THE OFFICIAL PLAT THEREOF.
which currently has the address of 646 VISTA WEST DRIVE
[Street]
THAYNE Wyoming 831 27 "Property Address
[City] [Zip]
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:0050050798
WYOMING-Single Family-- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
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 amount. Lender may revoke the waiver as to any or all Escrow Items at any
time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall
pay to Lender all Funds, and in such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (1) sufficient to permit
Lender to apply the Funds at the time specified under RESPA and (2) not to exceed the
maximum amount a lender can require under RESPA. Lender shall estimate the amount of
Funds due on the basis of current data and reasonable estimates of expenditures of future
Escrow Items or otherwise in accordance with Applicable Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so
insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow
Items no later than the time specified under RESPA. Lender shall not charge Borrower for
holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow
Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender
to make such a charge. Unless an agreement is made in writing or Applicable Law requires
interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or
earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall
be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of
the Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall
account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of
Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by
RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in
accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency
of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by
RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in
accordance with RESPA, but in no more than twelve monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly
refund to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold
payments or ground rents on the Property, if any, and Community Association Dues, Fees, and
Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them
in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument
unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a
manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b)
contests the lien in good faith by, or defends against enforcement of the lien in, legal
Loan Number:0050050798
WYOMING-Single Family-- Fannl. Ma. /Froddia Mac UNIFORM INSTRUMENT
I.T. 3/00
Form 3051 3/99 (page 5 of 15 pages)
MWYO5CV
A390AMW
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za3Juazog JO 5'11pSTX0 mop sluau'anozduil agi daaj hugs zam0zzog •aouIunsul Xpado i j •s
•ugo-I spp gpim uoipoauuoo u' zapua-I Xq pasn animas 5upzodaz zoipuu
U011E3pizan xgp aiglsa Tgaz g 10J a5zego amp-auo g /Cud 0p zamozzog azmbaz Jigu' zapuaq
uopoas slip ui anoge quo; Jas suoilog attp 3o az011' JO au0 aalel JO nail aqp IC3spus
HMS zam0zzog `uani5 si aopou Iegl goiqm 110 alep aip 3o &iup pi ulipi°M .nap agp &uiiC3puaP1
aoipou g 1amozzog ant2 ,Cep' zapua'I `puauinilsui Xpunoas slip zano iiluotzd uiulig nun goiqm
uaiT u op poafgns si Apzad0zd ail 30 lied Aug leap sautuualap zapua-I 3I °Iuaumzisul 'Cp
si'p 0p nap am 5upemplogns zapual op £I03ORJsipes puau'aadg ug iiap aql 3o zapioq am uioz3
samoas (o) zo :papnpuoo azg stnpaaoozd linos Itpun /quo lnq npuad aii sBuipaaoozd asoip
a11gm ua1l 3 p ;o luauiaozo;ua aql puanazd 0p aiu1ado uoluldo s,zapua7 tq galgm sUiilpaaoozd
00 /E '1'I
1N3WfULSNI WHOdINn OSW alppaa/ev aiuueA -X umj eIBulgDNIWOAM
86L0500500 ueoi
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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: 0050050798
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
(Initials)
-5
S
SO
Form 3051 3ro9 (page 7 of 15 pages)
MWYO7CV
AOBOAMW
(seed gt jo 8 eyed) 68/e Isoc =OA
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1N3Wn111SN1 W11OIINn oeW e1PPud/e'W SfUUB yluiez e1
86L0900500:JequwnN ueo1
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pue `ln3 lit pied /Cla3Earpin Si UEO1 ail rip loe3 ai; 2urpuRlsilimiou `algEpunpal -uou aq hells
anzasal ssol ions •aoueansul a2E2;1oyv 3o nail ur anlasaz SSOT algepunpaz -uou E se sluataXEd asagp
ululaz pue asn `ldaooR Tlim zapual loa33a ui aq 0; pasuao aBEZanoO anueznsui aIp uattm anp alam
will sluauuiCed paivu8isap Alalvlvdas alp jo lunow alp zapual of iced of anupuoo TTvis 1amolzog
`alggliene lou si affezan00 aoueznsul a2EWizoIN pualenTuba ,flleppueisgns jI •zapual Aq palOalas
zaznsui a5E$izour aleuzaHE uu IUoz3 `1oa33a ui Aisnornazd aoueznsuj a5unioyAT ail jo zamozzog
01 woo alp of lualvninba iCHEpue;sgns iso0 E lE `1o0330 lit ATsnoinald aOuelnsuI a2e4zoy4
alp 03 lualeninba XIjEpugisgns a5EZan00 ulElgo of pazinbaz sumiurazd alp /Cud IIEgs zm011011
`aoueznsui a$g5lzoj 103 suzniurazd ail pi spuauriCed palea$isap Aiapezndas oval of pazinbaz
SEM zamozzog pUe aOuelnsui lions papinozd Alsnolnazd lerll zaznsui a8e81zouI alp uuoz3 algvliene
aq of saseao lapual palrnbal aff1U A0O 0ouunSui a�eglzoyAl alp `uosvaz CUE 103 `3I 'raga
ur aoueznsul atE4zoyAT ail; ureluneum of pazinbaz surnmiazd alp /Cud ITugs zamozzog `uu01 alp
SUDTeui 3o uoi;ipuoO E se aouemsul a8e1zoiN pazinbaz zapual 3I 'a)usansui a21i2;JOJtT '0i
•8upum 11i 1a5Jaur alp 01 saaz5E Iapual ssalun a2Jaur lou
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suoisinold aril HE Igim /ilduroo hurls 1am011og `plogaseaT a uo si luaurrulsui Xl1nOaS STIP 3I
•luaUIAEd &upsanbal z o;
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alE1 aloN ails w isazalui nag Toils spun= asagy luaurnllsul /C1imOas sn p palnoas zamozzog
jo igap Tvaopippu aurooaq digs 6 uopOas slip Joplin Iapual Sq pas1ngsip slunoury Xuy
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stoop do pzeoq 10 03Eldaz `spol a5uEgo `slrudaz quill Oi /Clzadozd agi 3u1alua `01 pa1nuil lou
sr lnq `sapnpoui Xpzadozd alp 8uunoas fuipaaoold Aoidnnuu11q e ui uopisod paznoas sii &i!pnToui
lUaumlisul Xirmoas sip zapun snpiEJ zo /puE 41ad01d ail ur lsa1a3Ui sii lOa;01d o; saa3 ,siCaulofu
anpuosval fui,Ced FIE 'moo ur ffuuEaddE (Z) luaUmrisUT itliznoas slip JOAO Slilould
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s,lapual •Aizadold alp &uuredal z0ipug 5urin0as pue `S;zadozd agp ;o awn ail 5urssassE 1o/puv
up0alozd 8uipnl0ur luaunu1sul Al!moos sn1 zapun digit pue iClzadozd 0Ip ui psalalui s,lapua'
l0alold of a11UdozddE zo algeuosgaz si lanal1gm zo3 iCEd pug op 'Cum zapual uagl `Xiladold
alp pauopuege sett zamozzog 10 `(SUoilslnSaz 10 SMET aOJOJua 01 10 luauUnr1sui X1TZn0as slip
zano *loud uig11E /Cum goigm uail v 30 1uauUaOzoJua 103 `aznlraJzo3 zo uorpeuuiapu00 103 `alvgozd
`SoldfDIu1q uipaaoold u se Bons) luauIru;SUT AlPnoas slip zapun slgSiz 10 /pug Alladold
alp uI isazal11 s 10a33E ApuEoundIs Naha 111113 auipaaoozd TeaT E Si alagi (Z) `lIrauuu;sUI
ICIimOOS Sell 11i pauiepuo0 spuauraaz2g pU11 slusuano0 alp uuoJzad 01 s1ie3 1amo11og (I) 3I
;uaurn.i ;sui if;unaas siq; .iapun s; pue',f;aado rd aq; ul ;saga ;ui mapuaq jo uolpaa;oad •6
aouapisaz pdiouud s sE IC11ado1d ail 30 Aouedn000 s,1am0110g
8uiuza0uo0 suopeluasaldal `01 pollard 1011 01E lnq 'apnj0ui suop11luasazdaz jvuai11141 •uno-I alp
liim U01 001UO0 ui (uopeaUO3ui Tvuapear Ipim zapual apinozd Ol palie3 zo) zapual of Sluauralg3S
10 Uop1UUOJUr 01111n001Ui 10 `8uipvalsnn 'asp; iCHeuaI1UT anE2 luasuo0 JO aBpaJMOU)I s,lamolzog
TRIM 10 zamozzog 30 11op001ip alp pe aup011 Sapllua 10 suoszad /Cum 10 zamozzog `ssaoozd
uop1014dde 111101 alp BuUnp `3i 11n113ap ui act Reis zamozzog •uoneallddV uno-I s •8
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:0050050798
WYOMING-Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
I.T. 3/00
Form 3051 3/99 (page 9 of 15 pages)
MWYO9CV
T1;
A001AMW
(se6ed 9110 01 e5ed) se/e 1.60e WJO
00/e T'I
1NMAIMLLSNI WUOAINf °SW •IPPad/aVW yumeA-- i(Ilwej elBuIS-ONIWOAM
96L0900500 .J egw n N teat
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pue Sizadozd atp uT isazaiuT s Supoaiozd jo asodznd alp zo; `ilne;ap s,zamozzog B3TM
uopoauuoo ur pauuo;zad SaOTnzas zo; saa; zamozzog aSzego Sem zapua •so2aeg3 ueo' •bI
•zapua-I
;o suSisse pue szossaoons alp itjauaq pue (oz uo11o0S ui papTnozd se idaoxa) puiq hugs luatunulsul
Slimoas sup Jo sluauiaazge pue slueuanoo aqL •SupTJM uT asealaz none 01 Saa15e zapua•
ssalun luaunu sui 'fiunoas sup zapun iiTITg1TI pue suopekigo s, zamozzog uuoz; pasealaz aq i0u
Bells zamozzog •luatuiuisul ifiimoas sup sawn swauaq pue sulks SeMMOzzog ;o TIE ui qo Iieqs
`zapua-1 Sq panozdde sT pue `2uiiizm uT itiatunumsul Ss!snoas sup iapun suopesilgo s,zamozzog
satunsse oqm zamozzog ;o isazalul ui iossaoons Sue `81 uopoas jo suoisinozd atp of loafgns
•ivasuoo s -oo
atll lnotllTm aloN asp so luautnzisul S1TZnOas sup ;o atrial alp 03 pzesaz tpyit suopepotuuu000e
Niue quits :io zeagzo; `Sj poui `puaixa 01 aaISE ueo zamozzog zagio Niue pue zapuaj
ietp saaiSe (o) pue :ivatunzisui Slunoas spj Sq pamoas stuns atp iced of paleSiigo XBeuoszad
lot sT (q) :ivatunzisul Slimoas sup ;o slum atp zapun iizadozd alp uT lsaza3UT mauSTS -oo
alp XOATIO3 pue lueJS `ageSizour of /quo luaturmsul AgmOas Sup 5'u1uSTs -oo sT (e) zauSTs -oo„
e) aloN 3111 alnoaxa lot swop inq Iuatunzisul SlIsnoas sup SuSTs -oo oIM zamozzog Cue `zanamoll
•lezanas pue iurof aq Begs Si?jTg pue suopeSTigo s,zamozzog 113th sass a pue siutuuanoo
zamozzog •punog su2Issv pue saossaaans tsaau2is -o3 :A3Bigen isaanas pus juiof •£I
•iipauuaz z01112tz iCue ;O OsTozaxa 3111
apnioazd JO ;o zanTem a aq iou Begs `anp uatp iunotue alp ue111 ssai slunouue III z0 zamozzog ;o
isazalul ur szossaoons JO sappua `suossad pzup moz; sivatuiCed jo aoueldaooe s `uonelTuiTl
inogiTM `51gpnlouT Spans so igSTZ Niue SuisTOZaxa uT zapua-I aouezeagzo; 'Cud •zamozzog
JO isazalul ur szossaoons ,Cue zo zamozzog leuipTZO alp Sq aputu puumap Niue jo uoseaz ,Cq
IUOWIU3sui S3TZnOas sup Sq pamoas sums alp ;o uo1lezilzotue S;ipom as1MZagio so luatu&ed zo;
amp puaixa of asn;az 01 JO zamozzog ;o isazaitl ui zossaoons 'Wu isu1S1 sSuipaaoozd aouauuuoo
of paiinbaz aq lot Begs zapua I •zamozzog JO isazalul ui szossaoons iite JO zamozzog 3O Aug!'
alp aseaiaz of aiezado lot hens zamozzog ;o isazalul uT zzssaoons Niue so zamozzog 01 zapua-i
palue15 ivatunzisul A1unoas sup fig pamoas stuns alp jo u0pez1uome ;0 u0peot31poum JO ivain/ied
zo; amp agi ;o uoisuaixg •aaAlum ti ;oN aapuaJ tiff aauuasagaog :pasuaiag loN JOAloiJOg •ZI
•Z 110900S ui zo; pappiozd sapso alp uT paTldde aq
Begs Slzadozd alp ;0 zredaz so uo1iezoisaz 01 polidde mu am letp spaaoozd snoauellaosm Bd
•zapuai 01 pled aq liens pue pauSTsse
Sgazatl are Suad0zd alp uT isazalul selapual ;O 1u3tuzredtuT am 01 aigeingplle aze legs saSeurep
zo; itielo 10 pzeme Stm ;o spaaoozd aqs •luatutulsul A1iznOas sup zapun Siq$TI 10 iiizadozd alp ui
isazaiuT s‘zapua-I ;0 luaTUZredtut 11TZaietu zaglo JO Xizadozd alp ;o azniia;zo; sapnTOazd luautapnf
s,zapua uT `ietll 21ijI U e gi!m passnusw aq 01 SuTpaaoozd JO 110110e a T1 SuTSne) `61 uopoas
uT papJnozd Se 03e1su1az `paun000 sell uopezalaooe ;T `pue line ;ape gons azno ueo zamozzog
•luatunzisul 1C3TZf0as sup sawn S1112u JO Aizad0Zd 3111 Ili isazaiuT mapuaj ;o ivatuzredmi
m1saieuW zag10 JO iCizadozd asp ;o azn4Ta;zo; uT ilnsaz pino0 `1u3tm2pnf mapua'I uT Tell)
unSaq ST `reUTuiiz0 zo'TATO zatpagM `Suipaaoozd .10 u01301 Sue ;T iine;ap uT aq Hens z
•spaaoozd snoaueilaosTy4I of p1esaz uT u0poe ;O iq s a sell zamozzog tuogi isufSe /Cited alp so
spaaoozd Snoaueii30S!JA zamozzog samo legs Cued pITgl 3111 sueauu „Sized Su?soddp„ •anp uoup
3011 JO zatpagM `luatunzisul Siiznoas slip itq pamoas stuns alp 03 so Assad0zd atg ;o zledaz JO
u0pez01sa1 0i zag3Ta spaaoozd snoauella0S!11 agi Middy pue loailo0 0i pazpotpne sT zapua-I `uanTS
sT a0pou alp amp atli tai ;e &iep p£ um zapuaq 01 puodsaz 0i sire; zamozzog `saSeuiep zo;
I
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: 0050050798
WYOMING-Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
orm 3051 3/99 (page 11 of 15 pages)
MWY11CV
J12
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AOLIAMW
(Wed 9L !o et abed) aa/e ism IWO
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1N3Wntl1SNI WUOAINA 0I1N NPPad/SIW eleeod--Ni d eI6WSDNIWOAM
86LOSOOSOO:JegwnN 11801
`riot uopeuum i Ja1po /Cu11 put apitu aq molls sluaurArd 11oioM of ssalpps au; `Jaoinzas
uvo'l Mau agl 3o ssalpps pus 001st alit awls 'um TToTgM afuEgo am 3o 0030011 ua33uM uani5
aq 'um Jamofog `JooJAJas u110-1 am 3o aRusrio s si Wag) 31 •a20N am 3o airs 11 0; pa1113aJUn
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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 Law" means federal laws and laws of the
jurisdiction where the Property is located that relate to health, safety or environmental
protection; (3) "Environmental Cleanup" includes any response action, remedial action, or
removal action, as defined in Environmental Law and (4) an "Environmental Condition" means
a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any
Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property.
Borrower shall not do, nor allow anyone else to do, anything affecting the Property (1) that is in
violation of any Environmental Law, (2) which creates an Environmental Condition or (3)
which, due to the presence, use, or release of a Hazardous Substance, creates a condition that
adversely affects the value of the Property. The preceding two sentences shall not apply to the
presence, use, or storage on the Property of small quantities of Hazardous Substances that are
generally recognized to be appropriate to normal residential uses and to maintenance of the
Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (1) any investigation, claim, demand,
lawsuit or other action by any governmental or regulatory agency or private party involving the
Property and any Hazardous Substance or Environmental Law of which Borrower has actual
knowledge; (2) any Environmental Condition, including but not limited to, any spilling, leaking,
discharge, release or threat of release of any Hazardous Substance, and (3) any condition caused
by the presence, use or release of a Hazardous Substance which adversely affects the value of
the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or
any private party, that any removal or other remediation of any Hazardous Substance affecting
the Property is necessary, Borrower shall promptly take all necessary remedial actions in
accordance with Environmental Law. Nothing herein shall create any obligation on Lender for
an Environmental Cleanup.
Loan Number: 0050050798
WYOMING-Single Family Fannie Mee/Froddie Mae UNIFORM INSTRUMENT
I.T. 3/00
(Initials)
Form 3051 3ro9 (page 13 of 15 pages)
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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
THIS PLANNED UNIT DEVELOPMENT RIDER is made 4th 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.
(the "Lender of the same date and covering the Property described in the Security Instrument
and located at:
646 VISTA WEST 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
SEE ATTACHED SCHEDULE A
(the Declaration The Property is a part of a planned unit development known as
STAR VALLEY RANCH
LOAN NO: 0050050798
PLANNED UNIT DEVELOPMENT RIDER
[Property Address]
[Name of Planned Unit Development]
(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
i
II
u
11
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0
MULTISTATE PUD RIDER Single Fam y -Fann e Mae /Freddie Mac UNIFORM INSTRUMENT
FORM 3150 3/99 I.T. 10/99 (page 1 of 3 pages)
RMS1 PUD
OfpdbSINH (sa5ed E {o Z 95ed) 66/01 '1'1 66 /E O91£ INUOd
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19
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: 0050050798
MULTISTATE PUD RIDER Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
FORM 3150 3/99 I.T. 10/99 (page 3 of 3 pages)
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
RMS3PUD
(0) fiio9£
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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
B. CALCULATION OF CHANGES.
periodically, as described in the Note. Changes
the prime rate of interest quoted by
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.
The Mortgage Rider is made this 4th 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
646 VISTA WEST 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
Seven and One-Half
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an initial interest rate of
percent 7.5000
The Note interest rate may be adjusted
in the interest rate are governed by changes in
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
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consents to any such transaction and/or to assumption of the loan secured by this Mortgage,
Mortgagor shall not be released from any obligations hereunder. Upon the occurrence of any
sale, conveyance, or transfer of the property covered by this Mortgage, in addition to the
consent required aforesaid, Mortgagee shall be paid a reasonable service charge for changing its
records to reflect such transaction.
By signing this, Borrower agrees to all of the above.
Borrower(s):
1145
NARD J
7hth (.L)'Cf >y
THALIA A SWINYER
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