HomeMy WebLinkAbout869495cia RELEASE co
This Mortgage
SEE SI)01. .4 IIORTMEI
WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
0050051101
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 October 31 2000
together with all Riders to this document.
(B) "Borrower" is
RULON DENNIS HORSLEY and KATHRYN HORSLEY, 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 ted States of Amer i ca
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 October 31 2000
The Note states that Borrower owes Lender
One Hundred Sixty Thousand and No /100 Dollars
(U.S. 160,000.00 plus interest. Borrower has promised to pay this debt in regular
Periodic Payments and to pay the debt in full not later than November 1 2030
(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.
S
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Space Above This Line For Recording Data
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WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
0691495
MORTGAGE
RECEIVED
OJ TY
CO NOV 6 F:1 3: 9
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06(69 292
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]
PART OF SECTION 6, T32N R118W OF THE 6TH P.M., LINCOLN COUNTY, WYOMING
BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: STARTING AT A POINT
WHICH IS 120.25 FEET SOUTH OF THE NORTHWEST CORNER OF THE SW1 /4SW1/4
OF SAID SECTION 6 AND RUNNING THENCE SOUTH 172 FEET; THENCE EAST 175
FEET; THENCE NORTH 172 FEET; THENCE WEST 175 FEET TO THE POINT OF
BEGINNING.
which currently has the address of 89218 HIGHWAY 89
GROVER
[Street]
[City] Wyoming 83122 "Property Address
Y] p]
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: 0050051101
WYOMING-Single Family Fannie Mee/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
(Initials) (Initials)
Form 3051 3ro9 (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: 0050051101
WYOMING-Single Family—Fannie Mss/Freddis Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials) (Initials)
294
Form 3051 3/99 (page 5 of 15 pages)
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zo; `spoop pun salgnb `03 papal!' 3011 Inq `guipni0ut spluzug zati3o SCUT put „`a5mzanoo
papuaixa„ uua3 all utgiim papnput swum `azg Aq ssoi isutugt paznsui ,Ciladozd agi uo par=
Iowa/ail .10 2ui3stxa mou sivatuanozdup ail daaq hugs zaMozzog •aouiunsui Slzado ld •s
•uuOZ sup Tiim uoii0auuo0 ui zapual Xq posn aolnzas 5utlzodaz zo)puu
uot3u0t3TZan 3Cm3 03 3S0 imal m 1Oj amp auu3 -0110 g Xtd of zaMozzog aztnbaz Attu lapua7
t uop0as step ut anoqu tpzoj las suoi3ot ail 3o azotu JO QUO 0Irnl JO UOIT alp Splits
Ins J At0JJog `uantg SI 0013011 3ntp gOIgM uo Pip 0113 JO s'Cgp pi utg1IM •uaii alp guiSpluapT
aopou n zaMozzog ants Kral zapuaJ luatRnzisui 1Ciun0as sup JOAO iCluoud uttiim UI0 TOITM
uati m o3 1pafgns ei iiizadozd alp jo izgd iiuu min sautuualap zapun' 3I •Iuauttu3sul Iilun0as
SILii of uati alp guiigutp1ogns zapua-i o3 iCzoi0mjsi3gs Iuatuaazgg um Uaq ail ;o zapiog alp tuoz3
saznoas (0) JO !papni0uo0 azt s5uipaaoozd Tons jpun Aiuo lnq `guipuad azt sgutpaaoozd asotp
aitgM uaii ail Jo IUatuaOZOJUa ail 3uanazd 01 a3mzado uoiutdo s 111 Irotgm sgunpaaooid
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 (1) Borrower fails to perform the covenants and agreements contained in this Security
Instrument, (2) 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 (3) 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, (1) paying any sums secured by a lien which has
priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable
attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument,
including its secured position in a bankruptcy proceeding Securing the Property includes, but is
not limited to, entering the Property to make repairs, change locks, replace or board up doors
and windows, drain water from pipes, eliminate building or other code violations or dangerous
conditions, and have utilities turned on or off. Although Lender may take action under this
Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is
agreed that Lender incurs no liability for not taking any or all actions authorized under this
Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of
Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate
from the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions
of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall
not merge unless Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making
the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in
effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be
available from the mortgage insurer that previously provided such insurance and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance,
Borrower shall pay the premiums required to obtain coverage substantially equivalent to the
Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to
Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer
selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,
Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain
these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve
shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and
Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.
Loan Number: 0050051101
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials) (Initials)
Form 3051 3/99 (page 8 of 15 pages)
MWYO8CV
AOLOAM I
(se5ed 91. so L o5ed) 6610 1.600 61
(sia!uul
00 /E '11
1N3161f161SNI 1611O4INf1 6661 gpps,A/eap1 equuei- -towed e1
1011500S00:JequmN ueo]
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1! 3I •Alzadozd otp 3o suopoodsut pug uodn sau1ua alquuosraz oval Arm luau sat JO zapan
•uopuo3saz zo zrmdaz lions Jo uopaidtuoo
0141 zoj uorpaggo s,zamozzog ;o panaHaz lou sr zamozzog `,Clzadozd atp azo1s0z JO ztgdaz 0)
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ssai5ozd jo sus m ur JO auauiA>:d agtgs r ui uopmzo3saz pug sztgdaz atp zo3 spaaaozd aszngsip
sign zapuO- •sasodznd gons z0j spaaoozd pasmaiaz sal zopua-I 3t Aiuo Aazadozd alp ffuuoasaz
JO auuigdaz 10j aigrsuodsaz aq Hugs xamouog `AUadozd alp `3o 5upiml alp zo `oa a usurp
tram 1101300111100 ur raid azm sp0000id uopmutuapuo0 zo aougznsuc 3i •a2murep JO uotlgzotzaaap
zatpzttl pions oI pahuzgp 3r iC3zadozd 0143 ztgdaz Apdtuozd Hulls zamozzola `aigrsma3 AIIgottuouooa
aou sr u0pgz0ps0z JO ztgdoi 3mtp S uopoas 014 Iumnsznd pouutuzalap sr pt ssalUn •uowpuoo
sat op anp awn ut gutsrazoap JO 2119mzou03ap tu01J Aazad01d alp 7uanald 03 J01/10 ut /Clzadozd
0143 utmautgut ITm14s zamozzog `Auadozd pip ut &utptsaz st 10i 011Og aou 10 zalpa14M •A3zadozd 0143
uo 03smm 3ttut100 zo a1mzotzaaap of Aazadozd alp molls `Alzadozd a14p zteCIMI JO a usurp `Aoz3sap
ou !pis zamozzog •suoipadsuj :,Clladoad alp jo uo13aaloi j pue aoueuapuieyti 'uo fenaosaJd
•40.0uo0 s,zamozzog puo/Caq azg 14ot14m Isixa saaugastunozlo auprnua3xa ssai11n z0 `piagtptm
/Ciquuosmazun aq Iou iig14s Iuasuoo !pram `3utatzm ut saaat astmzalao zapuOZ ssaiun `ifourdnaao
jo oamp 0141 1033r 1 0/ 0110 Ismai Im 10j 00uap1501 imdtouud s,zamozzog sm /Clzadozd alp Adn000
01 anup110o Timis pug 3uaumt3sui X3rzn0as sm Jo uoran0axa 0141 za33g sArp A3xrs UR41TM aouaprsaz
Tmdrouud s,zamouog sr ,Slzadozd oij asn pug `lstigglsa `Xdn000 Timis zamozzog •SouBdnooO •9
•anp 110143 loan Jo-mown luatunzlsuJ ii1un0as slip JO OION am zapun ptmdun s3unoun
Amd op zo Al1adozd 0143 0z03Saz 10 ztrdaz oI zatp10 sp0000id a0ugznsat 0143 asn Amu iopu0'i
•/Cpzadozd alp 3o amzanoo 0143 0) aigmogddr air sp14Ju Ions sr moat! `Alzadozd 0141 &utzanoo
satorlod =rim! Tim zapun (1oMozzog Aq prmd stu ruuoid pauzm0un Jo punjaz Aum 03 3141 0141
umtp zatpo) slaw s,z0m01101{ JO 101430 Aug (z) pug `3uaunuisui if1un0as mil zo aloN 0143 zapun
ptedun =no= 0143 paaoxa o3 3011 lunotur ug TIT sp0000id 0ougznsur Aug 03 s1g5tz s,zamo1JOH (I)
Jopua-i 01 sufftssm Agaza14 zamozzog 'asp/in z0 zz 1101)00s zapun Li3zadozd alp sa1tnb01 zapua-I
JI JO `MAP =pp ui •uant3 sr aoj3ou alp u0lm utgaq ram pouad Xgp -p£ 0141 •W 10 0!3 ap10S pug
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a013ou g of si.1 p p£ ut1431m puodsaz aou saop zamozz0g 3i •sza33mut pa3miaz pue tut) 0 aoumznsut
aigt'irmn14 Cum alms pug 01114102011 `aim /Cgtu zapun i `Xlzadozd alp suopurgm zamozzog 31
•z uot30as 11410j paranoid zapzo 0143 111 patiddg aq Hugs sp0000id aOulznsut lions •zamozzog
03 mud 'Aug 3t `ssaoxa alp 14ptm `anp 110140 1011 JO 10143014M `3uOuznzpsui Ii3un0as staa /Cq pampas
stuns alp 03 patidd11 aq imp sp0000id 00u1znsui alp `pauassai aq p4nom ,C3unoas s,zapua-i 10
aigrs11a3 AIl11otutouooa 3011 sr ztmdaz z0 uo1311zo3saz alp 3i •zamoz1og 3o uo13g$tjgo ajos alp aq ins
pue sp0000id 00ugznsu1 alp Jo um pnld aq loo Hulls 1amozpog Aq puma.' `sapzgd pzrip zai p0 Jo
`szaasnfpm oignd zoj soo .sp0000id lens uo s &utuzga JO ISOIO3UI Aug zamouog A11d o3 paztnbaz
aq 1011 IT1114s 1apua-i `spaaoozd a0u11znsul 140ns uo pt11d aq o3 Isalaau1 sazmbaz mm-1 aigmo11ddy
JO &ut3tzm ut 0311111 sI 3uatuaaag um salon •palaiduto0 sr vom alp sr sauatuArd ssaz2ozd 3o
sauas m ut JO 1u0u11Cmd aputs m ut uo1amzolsaz pug szimd01 pap zo3 sp0000id aszngstp A1tu 1opuo-
•/ipduzozd u011111apun aq 111114s uopoadsur apps 114143 paranoid `uo1lp1Jsp11s s,zapu0'i op paiaidanoo
uaaq s1tl vvzont 0143 aznsua o3 IC31ado1d lops loadsut o3 iC3run3zoddo um pm! SETT zapua-i 4pun
sp0000id aOu1znsut lens piol 01 !IMF 0141 an114 Timis zapua-i `pouad 110pgz03501 pum 1rgdaz gons
A11un( •pauassai lot! sr A3tzn0as s,zapua-i par aigtsga; AIT11otuuouooa ST ztidaz JO 11op11103sa1 alp
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, destnuction,
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: 0050051101
WYOMING -Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials) (Initials)
29
Form 3051 3/99 (page 9 of 15 pages)
MWYO9CV
AOOIAMW
(se5ed 9t jo OL e5ed) sea 1500 w o d
(slefl ul
($Igf !ul
OO /E '1'1
1N3IMILLSNI WHO4INn "W NPPw&/aoyW quuay- -AI!Ld 010u1s-ONIWOAM
L 01.19 0 0 9 0 0 :JaquanN ueoi
Xazadozd `saaj sAauzoaaU `oa paauuii aou anq &uipnpui `auatunzasui s1lp zapun saggiz
pun Iazadozd alp ui asazaaui s,zapua-i 5uiaoaaozd jo asodznd atp zoj iinuJap s,zamozzog ZpIM
uoiaoauuoo ur patuzojzad saoinzas zoj saaj zamozzog a3zngo Dieu 1 zapua-i •saS.negD ueo7 •i'T
zapua-i
jo su3isse pun szossaoons atp )gauaq puE (0z uopoas ui papinozd sE adaoxa) puiq Hugs auaunuisui
,CaunOas situ Jo sauatuaazfe pun sauEaaA0D agcy 5uiaLM ui amp/ !ions oa saaaE zapual
ssaiun luatunzasui Siunoas site zapun Alum!' pun suopetggo s,zOMOZZOg u1oz3 pOSUOiaz aq aou
Hugs zamozzog •auaun(rasui Saunas sItp zapun sagauaq pun s,zamozzog jo iiu uii go Hugs
`zapuar Aq .ponozddu si pun `Butaum ui auatutuasui *moos spp zapun suo1Etiigo S,1Omozzog
satunssu oqm zamozzog jo asazaaui u! 1ossaoons Attu 'RI uoiaoas jo suoisinozd alp oa aoafgn
•auasaoo s,zauRis -oo
atp anol41im aaoisi aria JO aualutu ;sui ,Caunoas s1t41 Jo suuzaa aria oa pa= t4lM suopupomumoou
Auu alum zo 1uag1Oj `Appotu `puma o; 00au ono zamozzog zagao Atm pull 1OpuaJ
autri saaau (o) pun `.auatutuisui Aaiznoas sits; Aq paznoas sums am 'Cud 01 paae.iigo AijEuosiod
aou si (q) `.auatanzasui Aaiznoas site jo suua; alp zapun Aa1adozd alp ut asazaaui s,zaugis -oo
atp ICanuoO pun auua `aguSazoui oa AR! auatunzasui 'iaiznoas sits; ffultais -oo si (e) „zau5is -oo„
aaOrl alp aanoaxa aou saop ang auamnzasui Aaiznoas sup suds -oo oqM zamozzog /Cum `zanamog
•iuzanos puu uuiof aq Hugs Aaiiiquii puu suoiaaiigo S,JOMO1JOg rip saaz3u puu sauuaanoO
zamozzog •punog saiss' pull siossaaans saaais op '.,fimgen Ie.taAas pun ;uiof •£i
•Apatuaz JO 11451.1 SUE JO OsTO1axa atp
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asazaaui ut s1OSS000ns JO saft1110 `suoszad pzu41 UIOZ3 sauotuAud jo aouuadaoou s,iapua' `uoianatuili
anotp!m luipnpui iCpatuaz JO 11pp Auu guisiozaxa ut zapua-i Aq aouuzuagzo3 ,tint •zamozzog
Jo asazaaui ai szossaoons Attu JO zamozzog inm2po aria Aq Opuuu puuuiap Cue 3o uoseaz Aq
auatutuasui Aaunoas sup Aq paznOas sums all Jo uopuziazoutu Jipout aspluotpo JO auatuitud zo3
atop puma oa amp' oa JO zamozzog jO asazaaui ui 1ossaOOns Aug ;suIEgu Ouipaaoozd aouatutuoo
oa pazinbaz aq aou 'Tugs zapua •zamozzog jo asazaaui ui szossaoons AuE zo zamozzog jo Maiiiquu
aria amp' 01 a2t?1 do mu Hugs zamozzog jo asazaaui ui zossonons ,Cue JO zamozzog o; zapu0 Aq
paauea auatutuasui Aaiznoas sup Aq pa1UOas stuns aria 3O uoueziazoUIE 3o uopuogipotu JO auauiiCEd
1OJ atop aria 3O uoisuaaxg •JaAi1M a ;ON aapuai ,fg aaueinagao,3 '.paseaiag ;oN .Ia4O.uog •Z1
•z uoi2Oas ui zoj papino1d zapwO alp ui paiiddE aq
pugs Alzado1d 0141 3O 1red01 JO 110i1E101s01 o; paiiddE aou a1n 2U141 spaaOO1d snoauEiiaOS1JA
•zapuaj 01 pied aq Hugs pun pau5issu
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zo; tumo JO pmmn Jiuu 3o spaaoo1d atiy •auauitu;sui IcaiznOOs situ zapun satiRp zo AI dozd alp ui
asazaaui s,zapua-i Jo auatuziudurt it uaauui 101110 JO Aa1adozd aria 3o aznaiajzoj sapnpazd `auaudpnf
s,zapuai ui `aetia 5uiitu n tpim passuusip aq oa 8uipaaoozd JO U012 E aria &u!snWO JCq `61 uoIOOs
u! pap!nozd se 01Easu101 `pazzn000 seta uopuJopOO1 3i 'pm !plum u lions 0z00 11110 zamozzog
•auatuntasui iiaizno0s 542 zaplin sau51.1 10 Aazadozd aria u! asazaaui s,zapua-i ;o auauu rdmi
iuiza111 U 1atpo JO iCalOdozd 0111 JO aznaiajzoj ui !Tsai pinoo `auatuapnf s,zapua-i ut `011!41
ungoq Si `JUUUUizo zO i1Aio 1atiaatim `ffuip0000zd 10 110p0U ,CUE ji ain13ap u! oq Hugs zamozzog
•spaaoozd snoau1iiaos1TAI oa maw ui uoi1OE 3o 1151z e s1ti zamozzog uiO1im 1su4aE /Caned atp JO
sp00oozd snoauniiaosiy%I zamozzog saMO 111!41 Aazed RID 0142 SU1OUI „Spud guisoddp„ •anp tram
aou JO zag101M `auatutmsui ,C1iznOOs site Xq p0zno0s stuns alp 01 JO Xa10dozd 0141 3o ziedaz JO
1101111101501 o; 1014110 sp000O1d snoauuii0osm a141 ,Ciddu pug aoaiio0 o; p0zuot41ne Si 1apua `uania
sI aopou a141 alp atp zaawu sAup p£ unpTM zapua'i o; puodsaz 01 siiuj zamozzog 'saUtunp 10j
Ct `-+r 0
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: 0050051101
WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
(Initials)
Initials)
ukA
Form 3051 3ro9 (page 11 of 15 pages)
MWYI1CV
30C
AOEIAMIN
(se5ed 91 10 Zl a5ed) 66/E ME WJO
TOE
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00 /E '1'I
J.N3WntJ.SNI WNOdINn Now SIPPad/aim aloud- -(pwly epuiS-DNIWOAM
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uodjl za;sue.Z spun otuoi oaig (p) so A1pua 10 Spilelu0nrn11suT `/Couage lezapa; a /iq patnsui
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se `suuo; guTmollo; all ;o aim' so auo ut sasuadxa pue sutras 1ualua)epsutaz gons /Ced 1 A 011og
leap a.tmbai /Ceur aapuaJ •pagueloun anupuoo Begs lugum.tpsul /ilunoas sill /iq pamoas
sums alp /Cud o) uopegtigo s,aamouog pug luatuntlsul AuJnoas sell iapun silgu pue AlJado.td
alp uT 1sata)ut s,aapuaq )etp aznsse o1 aimbai /Ciquuoseat iCetu iapua-I se uoi10e gons Sale)
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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: 0050051101
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
I
30
°orm 3051 3/99 (page 13 of 15 pages)
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me7 aigeoiiddy .spun paaaiuuad st aaj alp 3o SuI5izga alp pue paaapuai saoTAZas zoj
'Cud pimp e of pied st aaj a 31 /quo ;nq ivaumaasui Al!inoas sup Sutseaiaz ioj aai a zannouog
aSango Aem .iapuaZ •sisoo uop paooai Cue dud Hugs iamouog ivauinaisui Alunoas sup aseaial
ins JapuaJ ivauma;sui ICunoas sup Aq pa.Lnoas sums iie ;o luauLad uodn •asuaiag •£Z
•;i o; pal;i;ua £ilmSai suosaad ao uosaad ag; o; ssaaxa Sum (a) pun ;uawna ;suI
Suanaag sly ,fq paanaas stuns llu o; (q) '.saaj ,s,fauao ;m aigmuosmaa 'o; pa;iwil loll lug 'Sulpnpui
'aims ag; jo sasuadxa Ilu o; (m) :aapao Suptoliol aq; ui paiiddu aq Hugs albs aq; jo spaaaoad
agZ
•aims full ;u ,f;aadoad ag; asutpand ,tutu aauSisap s;i ao aapuai •Atui aiquaiiddy ,fq pagiaasaad
aauumtu ag; uI pios aq Hugs ,f;aadoad aq; pum 'alms jo aoiuou aq; gsilgnd limas aapua7 •Si uoi;oag
ui papiAoad aauuuw aq; ul aaMoaaog o; aims aq; jo aai;ou am2 hugs aapual •MUZ alquagddy
g;oM aauupaoaau uI ;uaaajnp 3i ',flaadoad aq; jo uoissassod uI uosaad aq; o; pug aaMoaaog
o; asopaaol o; maul Jo aai;ou aAiS Bugs aapua' 'ales 3o aaMOd ay saloAUi aapual
•aauapiAa ai;i; Jo s;s0a pug
saaj ,s,fauao ;lm aigeuosuaa 'o; pa;iwil lou ;nq 'Sulpnpui 'ZZ uoi ;aag siq; ui paplAoad saipatuaa aq;
;luinsand ui paaanaui sasuadxa lim papa o; papilla aq ilmgs aapua-j •Mwj alquailddy tog pa;;iwaad
saipawaa aa ;o ,full pug alms jo aatod aq; aloAui fgw pull pugwap aag;an3 ;nowt ;uawna ;suI
Suanaag siq; tq paanaas stuns ilu jo Ilnj ui ;uatutud a;0ipawwl aainbaa tutu uoi ;do s;i lu aapuai
'aai;ou aq; ui patlpads a;gp aq; aaopaq ao uo paana lout si ;inmpap ag; .I .aims purr uoiumaaiaaam
o; aaMoaaog 3o asuajap Jay() ,fu1 ao llnujap u 3o aaua ;sixa -uou aq; 3assu o; Uop3u ;anon
2upq o; ;Op aq; pug uoi ;uaalaaau aalju alu ;sulaa 0; ;Op aq; Jo aaMoaaog maowuc aag n3 hugs
aap0u aqy •,f;aad0ad aq; Jo ales pull ;uawna ;suI .f;ianaag slq; £q paanaas stuns aq; 3o uouaalaaau
ui ;lnsaa ,Sum aai ;oU aq; ui pagpads a;1p ay aaopaq JO 110 ;Inujap ag; aana o; aaniluj leg;
(p) pull :paana aq ;snw llnujap aq; galgM 'cc! 'aaMoaaog o; uall2 si aai;ou aq; a ;1p aq; woal siCup
0£ Uugl ssal ;0u 'app u (a) ;Inujap aq; aana 0; paainbaa uol;am ay (q) f ;lugpap aq; (g) :.fjiaads
Hugs aapou aqj •(aspiaaquo sapieoad Mmrl aiquaiiddy ssalun gj uopaag aapun uoi;gaapaa1 o; aoiad
;out mg) ;uatuna ;suI £;ianaag sig; ui ;uawaaaSu ao ;uuuaAOa fug 3o gauaaq MaM0110g 2uptollo3
uopgaalaaau o; aoiad aaMoaaog 0; aapou aAiS hugs aapuarl •saipawau '.uopmaalaaay •ZZ
:sM
SE =age pue luemano° sag JUJ iapual pue aamozzo
a •SINVNaA00 YN1IO.3INfl NON
24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead
exemption laws of Wyoming
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in
this Security Instrument and in any rider(s) executed by Borrower and recorded with it.
/CI�(MM l
ULON DENNIS HORSL Y d i-''''
ATHRYN H
STATE OF WYOMING
ss:
COUNTY OF LINCOLN
On the 31st day of October A.D. 2000 personally appeared before me
RULON DENNIS HORSLEY and KATHRYN HORSLEY
the signer(s) of the above instrument, who duly acknowledged to me that he /she /they executed the same.
LAURIE McKEE NOTARY PUBLIC
COUNTY OF STATE OF
LINCOLN 1 ,E WYOMING
SLEY a
My commission expires January 11, 2004
Loan Number: 0050051101
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
(Space Below ThIs Line for Acknowledgment]
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
304
N. ary Public residing at:
Kemmerer. Wyoming
(Initials)
(Initials)
Form 3051 3/99 (page 15 of 15 pages)
MWYISCV