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HomeMy WebLinkAbout86949617T 4 s r' :wpm [aPoo dlzJ „ssazppd Maadozd 011 8 &mutoic/A NOS3V '01 Qv02I ?ISS2IO2ISS.SI5 001717 JO ssazppe aq1 seq tjOtgM •.zapua7 alp go am au $uiloaizoo vaip LLLuno0 uioounn aqa go spxooaz 9q4 go 7ZL abed uo 11d+IS9 xoog TIT 000Z `Sz zagozo0 papzooai a2e2izow ulel.zao amp 40911o0 oa sanzas slgy :uom ONINMIDHS 30 SNIOd au4 04 4e9 J O 'H 0 N 901191 fgaa; OS't6fi 'S 06 N 90119 lee; O£ 'M 0 S eouegl flee; 0S•1'617 'M 06 N aouegl 'tao.zed pagiposep eAoge wig ;o .zeuzoo gevegqnoS eql le ONINNIOSS sMotto; se pegT1osap BuTtuoAM 'AlunoO uToouT'I N d 1149 8t14 ;0 M6TT21 NT£s uozpoeg ;o gaed buTeq ssa.zbe pue ssaxBui ;o 4tlbii 9111 ttlpt HZHSSOOs Z taosed 'M6IT2I NT£s 'ITT u0T3oes ;o 17 /TMSi7 /TMNZ /TN 9T ;0 Saa; 9S0T lse'3 Gip 30 gee; £6Z lsaly eqq ;o gee; 6g17 LIq .XoN au,L Wunuo� �iluno T T e o.z e d C M 0 I IO3NI'I ix! paleooj �Cuadozd paquosap gutnnojjoj aq1 ales jo zaMod 1 UTM `zapurl o1 icanuoa pug mug `a2e2uout Aga.Iaq saop iaMo.uog `asodznd stgl zod •aloN ail pug luatutulsuj ifltinoas sup zapun sluatuaaz;Ie pure s1ueuano3 s,.taMO.uog Jo aOUetuzojzad alp (0) pue :luatunzlsuj iljinoas sup Jo Alunoas a111aa1oid 01 L gdez2eued zapun !muenpe 'Isamu! tj1tM `sums zaglo ire jo luauzried am (q) `.aloN alp jo suoneot tpout pug suotsualxa `sjemauaI HT pug 'Isamu! g1iM `aloN am iCq paouaptna lgap aql jo luatu,iedaz ail (e) :zapuarj o1 saznoas luaunulsuj ,ilt.noas stg.L 0 0 Z 'T HHEINSAON uo ajgeAed pug anp `lawn peed 1ou ji 'Nap jjnj aql i1tM `sluautiied ,Cjgluouz .to; saptnozd gotgt „alohj luatutu suj iilunoas mg se alep auras alp palep alou s s,.13M0.1.10a Act paouaptna st lgap stgZ 00' 000'OTT •S'f1) SzeT 0 01 0 0 QNV QNVS11OHS NSS Q22iaNl1H zapuai st ssazppe asoTM pug o c 3DVd ?3d j NOW ay 1 9- AO 00 1) Ali 11100 i(U 00N1 03A130 VOI2iaw4v 30 L 3 0 1 a M DVDZUO1A1 [emu lummox and 9U9 sfgy anogy aocds] 96F1690 ISO£V WN3 .LN31NR1LLSNI 141I03IN(1 aayq alpp013/3el41 aluue3 ,Spme3 a18uIS JNINIOAM SNO jo ums jedtouud aq1 zapuarj saMo zaMonoa 0118 AM No.LLV OZ9T XOS '0'd •s n jo sMej aq1 zapun Vuustxa put paztuelzo st gotgM NOISKI DOSSV ONI INYS 'IVNOISVN V Zs3M )NV$3 'IVNOl LYN SS2IId 01 uantg st luauuulsui AltznOas stgZ HAIM arw QNKSSEIH S?I00218 X XXV2IS QNY SX002IS HNraTHS NOQ 000 Z 'S Z 2IS1OS00 uo uant2 st „luaumulsui 'fitznOas aDVD L2IOJ'1 SIH.L 0£1769- 093 -L0T 'ON NFIO'I OTT£8 AM 'NOS3V O Z9T XOS OA sSSNi -?INv 'IVNOI,IVN SS2II3 O Nuns azallopau NSHM i39V911011 .10 KM in arg ia4y acgZ ;;,4 r'„ i L; TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. 2601 et seq. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. WYOMING- Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA30S1 Page 2 of 7 306 Initials: %I? 1 t r :s os op of anuq 20U saop lapua' `L gdE i d sup iapun uotlOe axel C m lapua'j t$notlld •sltedaz alum o2 duadold 0111 uo guualua pug saaj ,sdauzour ajgquoseal gutArd `uno3 ui guueaddd `1uauin11sul dlunoas sup JOAO dluoud suq gpigm uatj E Aq pampas sums Arm gu1AEd apnput Arm suop3r s,1apuai •duadold aqi u1 s1ggt1 s,zapual pue A11ado1d alp jo awn alp loaloid of dzgss030u st 12n01E11M 1oj Ad put op Agu1 iapuai uatl `(suotlein2ai zo mg' aaiojua 01 JO alnitajloj JO uouEunuapuo3 zoj `01egozd `Aoldtu ueq ut SUtpaaOold a se tons) Auadold agl ut slgsu s,lapuo' loajp Apurogtugts Arm lugs gutpo oo.Id Taal a st azagl z0 '1u0tun11suj A;tlnOas sup ut paure1uoO sluaulaazge pug s1UruanoO 011; tuzojzad o1 sprj lamozzog 31 •d;.IadO.Id aq; uI s ;qj s,aapuarl jo uoi ;3a ;oad •L •sutlum ut za$1 W 011101 saa1Sr lapuai ssajun agiau1 1011 HMIs 099 aaj am pug P4otional 0111 `AIadozd alp o1 app aaj sa1mb3E 1amo11og jj *ono' 0141 jo suotstnold 0111 pr t3Im Aid111oo Bugs zamo1zog `pjogaseaj E uo s! 1uountusul Allmon sup jI •aouaptsaa jgdpuud r se Auadold aqi jo 'Co uudn000 s,Jamouog sutuzaouoo suotleluasaidaz 'o3 palttup 1011 1nq `8utpnput `aloN 0 111 Aq paouaptna Imo' alp gltm uotloauuoo ut (uopruuojut pu9retu dire gljm zapun aptno1d o1 paprj zo) 1apu07 01 S1uatu01E1S JO U0t1EUilojut 01ez1133EU1 10 asl11j Apeua2gut and' `ssaoozd uopuotjddu uroj atjl 2utmp '1amo11og jt 1jnejap ut aq OSjr pugs JO/1.10110g Isamu! dlunoas S,lapual 10 luauinz2sui Altln3as sup Aq pan= uap all jo luaUUtedult I11ua3EU11a1410 10 d110d01d. ag1111 1Sazalui s,zamollog alp jo alnlpjl0j sapnpald `uoprutuualap trim poog s,lapuoi ut `1eiI1 guptu E gltm passtuisip aq o1 gutpaaooid s0 uotloi aqi Sutsneo Act Ill gdr13e1rd ui paptnold sr 'annular pue 3lnrjap g tans aim Amu 1amo11og •1saiaiu1 dltm3as s,lapuarl JO 2U 1.U1 zlsul d11m3as sup Aq pa3ra13 110114 a143 ltedup Aprpa2eu1 astmzatlo 10 Auadold at3 jo aznitajzoj ut llnsaz pjnoo luatugpnf 12! J poog s,zapual u1 nip ungaq si `1EUttuuo 10 jtnp zo `gutpo oozd 110113E 01111iaj10J due ji linujap ui aq Ijrts 1amo110g •Auadold alp uo a3sem 411111103 10 '01E101101 p 01 A1.13d01d 0111 MOM `dlzadozd aqi 1trd1111 10 arum:, `dol2sap 1011 pegs 1am011og •40111103 s,1am011og puodaq an gptgm lstxa saOur3sumO1i3 guilunualx0 ssajun 10 `pjaggltm djgeuosralun aq 1011 pegs IuasuoO goulm 'du11pM ut scalar aslM10ip0 Japuoi ssajun `d3uedn00o jo amp a141 Jape .read 0110 lsgaj 2e zoj aouaptsaz igdt3uud S,lamozzog sg Auadold 0111 Adn000 of mum= jjrgs puu 1uauWn13sul AltlfOas sup jo uopnoaxa 0111 1awje sd11p A1x1s uumm aouaptsal p dtouud s,lamouog se duadold 0111 asn pug `tstjgElsa `ddn000 pugs zamozlog •spiogaseaq :uoi;gogddy ono s,aanto.uog :dj.Iadoad aq; jo uoi ;pa ;o.Id pus aauuua;u tgAJ 'uol ;gnaasaad 'Aoundnoo0 •9 •uotltstnbor alp 011oud Ajaletpatutut luatutulsul Allmon sup Aq pampas stuns 0142 jo lualxa 0141 01 lapua'j 02 ssed Ij qs uoptstnboe am 01 zotld duadozd am 01 a eulrp mop gut1Insal spaaoozd pug satotiod OOtrelnsut Aug 01 114211 s,zamoz.IOg `lopua Aq paltnb011 s1 Au0dold alp jZ qdrigund lapun jI sluatudEd 0141 jo 3UU0Wg ate 02ue113 10 Z pug j sgdrigulgd ut o1 pazlajal sluauld11d A1111110111 9111 JO 01E1) onp 0141 3110dlSOd 10 puma 10u ije14s j11d1ouud o1 spaaoold jo uopeotjddr Ain `Butlum ut aaige °stmzatmo 1amolzog pug 1031I ssajun •110/43 SI 0311011 0111 U014m uiiaq Ijtm pouad hp-13E a14,j, •anp um mu 10 1atlatm `luaumulsul dlunoas sup Aq pampas sums dgd 01 10 Au0do1d 0141 az03sa1 z0 ztudaz or spaaoozd am asn Arm zapua -j •spaaoozd aouuznsut alp 3oapoo Agin zapua' 110141 `uiteio r alms 02 paza10 set 1aulro aOurinsut am Imp 19pua-j atoll a013ou r sArp p£ ut11Iim Jammu 30u Saop 10 `Aliadold alp suopuegr z0iO1lOg jj •10M0110g 01 PIrd ss00xa Ain gIim 'aril) tram 1011 10 19glagm `luaulnzlsul Alunoas sup Aq pampas sums 0142 01 middy aq Vets sp0000ld aOurinsut ag3 `pauassaj aq mom A1tm3as s,lapua-j 10 ajgtsEaj Aprommuo0a 3011 st 1trd01 10 uotlrlolsal 0141 14 •pauassaj 1011 s1 Altm0as s,zapu9Z pug oupseaj AprotulouoOa st 14gda1 z0 uopulolsal 0141 `pa2eui p Auadold 9141 JO ztgdOJ 10 11011E101S91 01 patjdd1 aq pugs sp0000ld 00uunsul `$ut2t1M ut aaar 9stmz01110 10M0110g pug zopua -j ssajun •1amo11og Aq Alldtuozd apEU120U jt ssoi jo joozd 0)jE111 Amu Japual •zapu07 pum 1OIIIEO aOu111nsut am 03 0313011 ldtuozd antg p111s zamozzog `ssoi j0 Juana am uj •s00t10u pima' pug sumtuiald p1Ed jo sldtaoaz IjE lapua'l 01 antg Apdulold pugs 1OMOJlOg `sa11nb01 zapuo' jj •sj11maual par satoiod alp plot 01311$11 ag2 am( bugs zapua'j •asngjo agrguoui plepuuls E apnpul Timis pug lapuarj o3 alquidaoor aq pugs sjemau01 pug soiogod aouelnsut IIV gd11 1 d tltm a011ep1o00e ut Auadold a141111 s214 !1 s,lapua' loalozd o1 asr1ano0 ureigo `uotldo s,lapua' 1e `Attu 10pua -j `anogg paquosap agriono0 U 3U1 ul 01 Sjrej 1am0110g jj •pjaggpm Ajgruosgazun aq 1ou IjE11s 140i14m jrnolddr s,zapua-1 of loafgns zamozzog Aq uasoto oq jjuts aOurinsut ate Sutptn0ld zatziEo aouslnsut 0141 •sal1nbaz lapuarl 1Et2 spouad am 1oj put suunoure am Ut pautr1unut aq Ijrgs a0uglnsut sn j, •90uumsut s9nnb91 zapua-j 143i14m 1oj `gutpoojj zo spoojj 2UIPnput `spl1zeq 131110 Aug put „agr1an0O papualxa„ uual at1 UItlim papnjout sp10z114 `onj Aq ssOi 1suregr palnsut Alzadozd 0142 uo p920a1a 101jrazaq 10 gupstx0 mou slmauiano1d111t am dool TWITS JO/110110g •aougansul A;.Iadoad Jo pagzgH •S •90!1011 JO Vutn12 0141 JO shp pj u4141tm anogO qu0j las suotl0E 0142 JO 91011I 10 0110 a)le1 11014 0111 Ajst1ES prgs 1atO11og •11014 0141 gu1Aj43uapt 031101 a lamoIog antg Amu zapu°Z `1uatunz2sul dltln0as s1141 1OAO 410ud ure111 Arm 14pt14m trap 11 01 1oafgns st A2.Iado1d alp jo i d due 111141 sautu11aIap lapual jj •luatunzlsul d2t1n0as sup 01 uat4 0111 gutl1utplogns 1apu0Z o3 dio3311jst1rs 2uatuaaJgr ur trap 0141 jo lapjot 0112 map s01n09S (o) 10 :U0p 0111 JO 111OUIOOiojua 0141 luanazd o1 aluzado uotuido s,lapuo l 0143 ut 14oi14m sgutpaao01d Irgaj `111 imp 0143 jo 2UOUIaO1Ojua lsutr$r spuajap 10 dq uatj 9141 141tuj po0g ut slsa2uo0 (q) :lapua'j 0l 94QE1da00E 19111111111 11 111 11014 0141 Aq pampas uopm 4jgo 0Ql jo 2U0tudrd a141 01 gu43l1m 111 mar (11) :1amo.uog ssajun luatunz2sul A3i1noas sup 1OAO Aluoud S1114140i14M 110t1 due a2111140stp Ajldulold ergs 13m0110g L10 28ec1 ISOEVIIN4 JN3N!R1I1SNI Panama 0!ppai3/avIN 2!UUW1 [AMU aIB"!S 9NI14IOAAt Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. S. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successors in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Severable Liability; Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument but does not execute the note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Page 4 of 7 30t Initials: L l �I�� L3oSasgd ISOEV WNI :STBIIIUI .LNBWfilI,LSNI 11RI03INf1'W a!PP alum £UW3 a18U s o•lWOxM •,Cuadoad 0111 ;o a3ueualutetu 01 pug sasn lepuapisaa leUUOU 01 alEtadoadde aq 01 paztusooaa ,Cneaauaa are Imp saounlsgns snoprezgg jo sapiluenb Ijeuls jo ,ivadoad atp uo 03110015 JO `asn `aouasaad a141 01,ijdde lou Ijegs saoualuas ontl i paoa1d aqj mErl jelUMUTIOatnU3 ICUe ;O UOpej0tn ut ST 1E11 ,ivadoad atp upoa; ;e 5uiT {1Aue `op o1 asp auoAue mope .JOU `op mu imp aamoizog •AIodo.Td a11 UT 10 UO saotm sgns snopmzeg ,fue ;o aspajaa ao `aeaols Iesodsip `asn `a3uasaad 0141 ltuuad ao asnRO IOU ergs aamouog •sa3ue;sgns snopaezeH 'OZ •mnj algnotjdde ,iq paambaa uotlettuo;ul aaglo ,Cue u1E1UO3 OSjE 111m 031100 ata •apitu aq moils sluam,ied 14p1gM o1 ssaappe aril pug aaopuas uroi mau 0141 ;o ssaippe pug aureu 0141 alms mitt 03110U agy •MEI ajge3tjddd pun anogg bI gddagered Thant o u pa000e ut a2uegp ammo aotlou uallum uanp aq Ittm aamouog `aaolmas uroi ammo aSurgo a st 00011131 •a1oN agl ;o ajes a of palejaaun aaowas ueorl 0 pjo sa3UE113 aaotu JO auo aq hut 05111 aaa14Z •luaumalsul ,ilunoas sup pue °JoN am aapun anp smaur,ied ,Cit uotu sl3ajioo Imp aaoinaas uporj„ am se umouaj) ,Clpua aq1 ut a2ue14o E ut llnsaa Arm alas y •aamouog o1 a3tlou aoud 1no141pm satup 0.10111 JO auo Nos aq Arm (luauuulsul '11111305 sup qpm 10g30501) a1oN 0141 ui lsaaalU! 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palutuaad 0111 paa3Xa um)! 0141 twin uop3auuoO 111 pa1301103 aq 01 10 1)0130110o sagreg3 Imo! 101410 JO 150001111 0141 111131 os palaadaalui ,input; st Ave! 111111 rue `saare143 Imo! tuntutx1Ui 5105 g31gm ntej r 0113afgns st IUatunalsuj ,Clun3as sup ,Cq pampas Imo! ag1 ;I •sa5aego U1O'I •£I I t 1) .ti ;(11;3 1 X 0 S tti9 b• Borrower shall promptly give Lender written notice of 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. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not Less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with applicable law. Lender shall give notice of the sale to Borrower in the manner provided in paragraph 14. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by applicable law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtsey and dower in the Property. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] Adjustable Rate Rider 1 -4 Family Rider Balloon Rider Condominium Rider Graduated Payment Rider Rate Improvement Rider Other(s) [specify] TAX EXEMPT FINANCING RIDER 11 Planned Unit Development Rider Biweekly Payment Rider Second Home Rider WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Initials: FNMA3051 Page 6 of 7 3.1.G 1a n+oaiog (iLas) 10M011141- (mos) iamosiog (i saMaiog (isas) COW at AIM 10 MIS T U�OJU11 }0 �ju003 l YLON S3NO(ANN3d 000Z .zaquaeoN S11OO2113 x a3Vx�-., L JO L abed ISOfVPIN1 INaPi01IISNI 111101111411 38 N alPPa. aPua3 iIlma3 0 1 8 U!S ONIPIOAM �Q- -b :saudxa uotsstututoJ ij pas mow pus puui iiui tas otunaaag aim! I `dOd2I3HM SS3N LIM uI gutSpaimouvy (s)uosaad slooig svoig austis uog uo `oiignd 'ow aaojaq pagpaimou1os ssm luaunt sui 2utogaaoj aril, sxoous sNVHS Hoa SS NZOONIZ iO AINf103 ONINOMI"I 30 aiv 1! Haim papaooaa pus aamouog /Sq patnoaxa (s)aapia Iius ut pus luautn.ttsul i1tanoaS sup u! pautsluoo slusuanoo pus suum aril o1 saaas pus sldaoau aamoaaog MO'Idg OAIINDIS Ag n :sassaul'M tth94 MORTGAGE ADDENDUM The following• is an Addendum to the Mortgage. The addendum shall be incorporated into, and recorded with, the Mortgage. TAX EXEMPT FINANCING RIDER This Tax- Exempt Financing Rider is incorporated into and shall be deemed to amend the terms of the Mortgage to which it is attached. In addition to the covenants and agreements made in the Security instrument, Borrower and Lender further covenant and agree as follows: Lender, or such of its successors or assigns as may, by separate instrument, assume responsibility for assuring compliance by the Borrower with the provisions of this Tax Exempt Financing Rider, may require immediate payment in full of all sums secured by this Security Instrument if: a) All of part of the Property sold or otherwise transferred (other than by devise, descent or operation of law) by Borrower to a purchaser or other transferee: 1 Who cannot reasonably be expected to occupy the property as a principal resident within a reasonable time after the sale or transfer, all as provided in Section 143(c) and (i) (2) of the Internal Revenue Code; or ii) Who has had a present ownership interest in a principal residence during any part of the three year period ending on the date of the sale or transfer, all as provided in Section 143(d) and (i) (2) of the Internal Revenue Code; or iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(e) and (i) (2) of the Internal Revenue Code; or iv) Whose family income exceeds applicable income limits as provided in Section 143(1) and (i) (2) of the Internal Revenue Code. MPP 210 -B (Revised 12/95) b) Borrower fails to occupy the property described in the Security Instrument without prior written consent of the lender or its successors or assigns described at the beginning of this Tax Exempt Financing Rider, or Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended, in effect on the date of execution of the Security Instrument and are deemed to include the implementing regulations. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions in this Tax- Exempt Financing Rider. Borrower Don Shane Brooks B rrow r Tracy R Brooks 312