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RELEASE OR fOlik This Mort gage AF N©RTRMEES DEFINITIONS Recorded In B o No. [Space Above This Line For Recording Data] MORTGAGE 17)06 at 7 ...l...., Kemmerer, WY Jeanne Wagner, Clerk It m 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 NQY.E R'..1- .,...24.48 together with all Riders to this document. rJ 0 (b) "Borrower" is A .r..�T�?1tL�...4 Borrower is the mortgagor under this Security Instrument. (C) "Lender" is :1 INK Lender is a organized and existing under the laws of THE ,sTarm..Q WY NQ Lender's address is R. Q .13qc. .$.4R7... i3.4 a9 1. i 1.. Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated NQFR..1.,...24.4R The Note states that Borrower owes Lender i4Ul ?.SEYk' ..1iUNPRM4.SEy .37.,x.1-40 Dollars (U.S. 26,.71 -7 $7 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than N?`'ER..1- ....24.45 (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. (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider El Condominium Rider Second Home Rider 1X Balloon Rider Planned Unit Development Rider Other(s) [specify] 1 -4 Family Rider Biweekly Payment Rider (II) "Applicable Law" means all controlling pplicable fetieia], state and local statutes, regulations, Ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. N) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus ii) any amounts under Section 3 of this Security Instrument. 0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security instrument secures to Lender: (i) th- repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the 'performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the following described property located in the K of [Type o[ Recording Jurisdiction] [Name of Recording Jurisdiction] SEE EXHIBIT 'A' ATTACH HEREPO AND MADE A PART HEREOF. which currently has the address of .5: 3.4..: LF.I.ZWQM.$P [Street] .k 4M Wyoming $3.3,20 "Property Address [City] [Zip Code] WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Bankers Systems, Inc., St. Cloud, MN Form MD -1 -WY 2/17/2000 ref: 7/2000 (page 1 of 7 pages) Form 3051 3/99 (sa8od fo Z a8od) OOOZ /L t/Z AM L w,o 'P xS "sum 'swelsAS s,eveg 661£ 150E WIOj 1■3Wf1H1SNI WHO4INft MN efppay/eeyy aluued 1lIWPA aI6uwS ONIWOAM 0241 do alum o1 ,figssaoau Junoum ail iapuaj o1 ,fed 11egs iaMoiiog pug `VdSH?I sq pannbai sg iaMoiiog i(jpou iiztis iapua-I `ddS3 I iapun pautjap se `mozosa ut pjag spund to a2Ruogs u st aiatl 3I 'ddSa 1 t1!M aOUgpiOOoR ut spunj ssaoxa at1 io; iamO.uog o1 Junior 'legs iapuaj `ddS321 iapun paut sg `MOZOSa ut pjat spund to snjdmns g si aiaq 314' ddSa2I iq paitnbai se spund aml;o 5upun000r jttnuue u r `a5Jerp lnogptM `iasoimog of anti jjets iapuaj spund am uo pled aq jjgis 1sai01ut rip `ianaMOq lutliiM ui aarge U Z iapun pug iaMoiiog °spung ail uo s2utuiga io lsaialut SUR iaMoiiog ,Cad of paitnbai aq Jou jjegs iapuaj `spun] ail uo lard aq o1 lsaialut saitnbai MRZ ajgi'atjddd io 2upuM ut apRm st luatuaaaz ug ssajufl •aMt3 R tons alutu o1 iapua1 slturiad mu-I ajquotjddd pur spun j ail uo lsaialut iaMoiiog s,Cud iapuaj ssa'un 'small Moiosg aim Vm,(Juan io lun000r mimosa all 2utzdleug ,ijjunuuu 'spund alp SuiAidde pug gutpjotj io; 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sum' Moiosg Aug iol anp Slun0me ail `alquAgd aiat1M pug uagM 'Apoaup /Cad IIRts iaMoiiog ianteM tons to Juana ail ill •2utptim Ut aq /quo ,mum ianteM tons ,mud •0up ,Cure 1E small Moiosg jjg io Aug io3 spund iapuaj o1 ,iRd 01 uopu2tjgo s,iamoiiog anivm ,feu iapuaj 'small mimosa IF io Sur 1o3 spund ati Aed o1 uotlegi'go s sanigM iapuaj ssajun small MoJOSg io3 spund all iapuaj ,ied jjggs JOMO°uog •uopOas sup iapun mud aq o1 slunotii 3o saoipou Ijg i0puarj of gstuin3 ,illdmoid jjggs iaMoiiog 'mu moiOsg uR aq 'legs sluamssassu pure saa3 'sanp ions pug `iaMoiiog ,fq paMO1OSa a 'Aug Jr `sluatussassd pug `saad `sang uot3eiOossd ,fltuntumo0 124241 aitnbai Aew iapua-1 `u o' aqi 3o trial ail 2uunp amp Aug Jr io uoileutktio Jd small Mo1OSa„ pairo aig small asauj pj uopoas Jo suotstnoid aim iitm aouepi000g UT smntuaid aourinsni a2R21Joj ;o Juau,iud am to nail tit iapuaj o1 iaMoiiog dq ajggArd suns Aug 10 'Aug Jr `suntuaid azurinsuj agauoyfl (p) pug :S uotloas iapun iapuaj sq paitnbai 0ouuinsut j'u pug Aug io3 suntmaid (o) !Aug Jr `,ivadoid aqi uo sluai punoig io sluam,igd pjogasral (q) :,fuadoid uo aOUemgtunoua 10 tai' r se luautuisul 'ipunoas sup mono Aipotid utg3J3 UUO t rtim sualt iagp0 pug s3Uaussassr pue saxel (g) :io3 anp wino= 3o 1uaulArd io3 apinoid o1 („spund„ ail) tuns u `jjn3 ui ptud st aloN atjl'pun `aloN all iapun anp ale swam/Cud Oipouad ,fop am uo iapuaj of did hits iaMoiiog 'small mo1OSa IOJ spung •sivauided Otpouad am Jo `Juno= ail a5urgo so `alup anp ail auodlsod io puma loo Ijggs aloN aim iapun anp judputid 01 Spaaooid snoaug'jaosm io `spaaOOid axureinsut `sivauhd 3o uoprotjddr ,iuV •a1oN ail in paquosap sir uatjl pug saBirgo 1uatuArdaid Aug o1 rip patjddu aq Trip s slutauAedaid ,Cielun'oA 'anp sagiutio algj Sur 03 patjddg aq f,Rm ssaoxa pus `sJuau,iud Otpopad WOW 10 OW) ;o JuaurArd'jnl all 01 patjddu s i 1uatuked ail ia1;g slstxa ssaoxa Aug leg; lualxa atjl 01, jjnl Ut prod aq uu0 luau,Cud Lora `mutt JUa3xa all 01 pug 'Jr sluatuiiud Otpopad am Jo luau/Mar all 01 iaMoiiog moil pantaoai 1uau,igd Cu ,g ,i'ddg Aim iapuaj `2uipURlslno Si luatu igd otp0uad auo urtl aiom 3I •a2Jrgo a3g1 ati pure luatuked luanbutjap ail 01 patjddg aq Aim luatuArd all `anp agrgo mg' ,fire ,fed 01 lunoue luapt,;;ns u sapnput goigm 1uam,iRd otpouad luanbu1tap R i01 1aM01i0g uoi; 1U0TUARd 1 saniaOai iapuaj 3I •aloM alp Jo aou rrq jedi0utid 0241 aOnpai o1 uagi pug `luamtulsul ,ilunoaS sup iapun anp slunotur ialww ,fire o1 puooas `Satin o aWj o1 log pai'dde aq Ilgis slunoure &ujutgtuam ,fug 'anp auugoaq 1t gotgm ut mapmo at1 ut 1uaurSed Otpotiad pogo 01 patjddg aq Ijgtjs sluatuArd ions Uopoas iapun anp slunotug (o) :aloj l all iapun anp jgdtoutid (q) `•aloMMI gull iapun anp Jsaialut (u) :,tlpopd 3o iapio 2uimojlo3 ail ut pat'dde aq heir iapuaj dq pot'dde pug paidaooe sluatuAed IjR `z uopoas sup ui paquosap asiAiagpo sg idaoxa •spaaa0ad a0 sluatuSud Jo uo1lsat1ddy -z •luamnipsul ,ClunOas sup ,iq pins sivauuaa1VE pug surruanoo ail 2uttuiojiad JO luauni2sul 'flunOaS slip pue aloN at 3 iapun anp sivaut,igd Sui)jgur moil iamomiog anatjai j'Ris iapuaJ 1suIR$R ainln; at1'ut io Mou anti iaM0mi0g tOtgM mtejo so 1aS33o ON •amns0paiO3 01 mound ,Cja2Rtpamut aloN at1 iapun aougjgq jgdtouud ButpuRJslno am 01 patjddu aq IIIM spunj tons `iauira pai'ddu loo 31 •i0M0zI0g 01 mail tun3ai io spunj tons ,i'ddd iatpta IIRIs iapuai `amts to pouad ajquuosuai u tritium os op 1ou saop iaMoiiog ;I •luaunO ugo-I ati 2utiq of luau,igd savu iamoltog'pun spunj patjddgun tons plot Sew iapuaj spunj pailddrun uo lsaialut ,iRd loo paau iapuaj tail `art) anp pa'npagos sit to sir patjddg si 1uaurked Otpoing toga 11 •paldaooR O1R sluaui gd gins atup all 124 sluam,Cgd ions ,i'ddg o1 palgWijgo loo sr iapuaj lnq `amnlnl ag1 ut sluatu,fud juiligd 10 Juam,iud tons asnJai o1 map slt 01 aotpnfaid JO iapunamag s1g2u Sue Jo manirm lnotltm 'manna urn am tutiq of luapt33nsut luatu,igd i timid io luaut,Cgd Aug 1da3Oe ,firm opal •luaimno uro-I ag1 guuq 01 1U !O 33nsut AIR smuauArd Turd io luatuAgd at13i luatu,igd Turd 10 lirau,igd ,sue uunlai Amu iapuaj •S' uopOas ut suotstnoid aotlou 0241 g11M aoUepi000r Ut iapuaj ,iq palguStsap aq tiRU SR U0t1go0j iaujlo tons lg mo aloN atjl ut pairu2isap uopROOI am Jr pantaoai uagM iapuaj ,fq pantaoai pauaap ale sluau,igd •ia;stre1Z spun] otuo1Joata (p) io :A1t1Ua io `,iltjgmuaUmilsut `IOUa�u lgmapa; g ,iq painsut are sltsodap asogm uopnlpsut ug uodn uMgip sr lOatO tons ,fug paptnoid `pato s,iatgsgo io patjo s `31OXTO )jttgq porspiao (0) `JOp10 .•ca20tu (q) `gSg3 (g) :iapur, dq p000ps se `suio3 gutmojjo; am ;o aiom io auo Ut apum aq luautulsul ,iljunoas sup pue a1oN a p iapun anp sluam,iud ivanbasgns He io SUE rip aitnbai Amu iapuaj `ptedun mapua1 o1 paumnlai si luamnilsul 'Clunoos sip io a10N ag1 iapun luatuArd sr iapun' dq pantaoai luaunilsul nip so 3I30113 ,CUR 314 `ianamoH •,COUaiin3 S f1 ut ap2tu aq Hulls Juaunilsul ,ippnoaS slim pur a1oN ail iapun anp s1UaurArd uo!JOas Ol lugnsind small Moiosg mil spun; ,igd osjg Ijgts m0Moii0g •030N 0241 iapun anp 80 J21I O ale1 pug saarrip luatu rdaid ,fug pug aloM ail ,iq paouaptna Jgap 0141 'u0 Jsaialut pure `3o jgdpupd 0141 anp uagM ,iRd jjg1s iaMoiiog •sagastlD alert pus 'sa8aeg3 3uatu,fsda.Id 'swan mimosa 'ls0aalui 'ludpupd;O luatuSed i :sMOIIo; SR 00m2g pure lu ruanoO mapuai put maMOmmo 'SINVNaAOO IA1110dINfl •Auadoid pal auuanoO luamtuisut ,iltinOas uuoJtun r ainlpsuoo 01 u0t2Otpstinf Xq suoputren papiutt' 241tM sluguanoO Uuo;tun -uou pug asn 1Rtopuu mil sluuuano3 uuolun sautquoo IN[IAMILLSNI A,LIIIf1DHS SIH,L •piooai;o saouuigwnoua ,lure 01 1Oargns `spu2map pug sump jr lsu!R2g ,ivadomd am or app ag1 .ijjgiaua0 puajop 'pm pug sIURIIRM iaMoiiog •piooai ;o saougigmnoua ioj idazxa `paiagtirnouaun s► ,CUadoid 0241 1R1.11 pug ,fuadoid ag1 ,i0AUO3 pUR lug12 'agr5pour 01 1g41 am sell pug pa/fanuoo ,igaia24 alelsa a113o pastas ,ij'nJmui sr maMO.uog Will S1 MVNNIdAOD Iamo auog „•Auadoid„ agi sir luauniisul ,ilunOaS sup tit 01 paima;am sr Uxoaio3 ai13o Ijd •luamtulsul SiptioaS step ,iq pamanoO aq ow Ijgts suoilippr pug sluatraoridai iiv •,ivadoid ail ;o lied a mal;uamag io Mou samnlxIJ pure `saoueualinddr `sluauasra i1g pug `,fuadoid alp uo paioama ial3Raial 10 MOU sluamanOidmt all HE RLIM NM-1,1200i C 'ION 0 't-4' (64 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 proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate Tax an'/or rtpcirting ^ervice used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 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. All insurance policies required by .Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, 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 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 (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering th,... 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. WYOMING Single Family Fannie Mae /Freddle Mac UNIFORM INSTRUMENT Form 3051 3/99 Bankers Systems, Inc., St. Cloud, MN Form MD -1 -WY 2/17/2000 (page 3 of 7pages) 66/£ L90£ WJod (sa8vd i fo y a8vd) OOOVL l/Z AM I OW wJod NW 'Pnoio ;g '•out 'swa;sA$ smolueg 1N3Wf1!l1SNI WHOdlNfl oeW elppaid /aeyy eluued Allwed e1 ONIWOAM se awisuual 'pazm000 set uopeJalaooe 3! `pug 1ing ;ap r lions amo ueo lamollog •luaultulsul Sl s1gl lapin s1T4 1 Jo Auadold atl u! Isamu s,zapuaj 30 luauureduli Igualltu Jaglo 10 Suadold at13o ain1ia31o3 ui linsai pinoo luaupspn[ s,lapuarl u! '1em unsaq su 'pump 10 HAP Jamatm TIlipaaooid 10 uoilog Aug 3! 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Aeu1 1ap11aJ 'asnro aigeuosgal mg 1! 3I •Suadold alp jo suoppadsut pure uodn saupua alquuosual alum Seuu wag s1u 10 lapua7 766 provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. 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 Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to 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 any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer'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 can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property 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: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 3/99 Bankers Systems, Inc., St. Cloud, MN Form MD -1 -WY 2/17/2000 (page 5 of 7pages) (sa8vdL fo 9 OW) OOWLLa AM L NW'P "ouI'swe ;sASsJe ,1uee 66/£ 690E WJOd 1N3Wf1Fl1SNI WHOdIN(t °eW elppad /89tH eluued Aliwed el6u!S DNIWOAM SunuoAM 3o sM11i uoidtuaxa pealsauiotl am 3o anpin Aq pue lapun siti lie sanp11M pu0 sasuaial lamouog •saaniuM •t7z .mu-1 ajg0o14ddy aapun pau4uuad si aa3 ail 3o 2u42mtio aril pug parapuai saapuas 1o3 Spud picot u of mud st aa3 01413! 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0 68 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. STATE OF WYOMING, IJNCO T County ss: The foregoing instrument was acknowledged before me this NOVEMBER 1, 2000 by MIA I AND MIA, J?,..waa,.. Is l?. AM. .Y UE (person acknowledging) My commission expires: r Q 7 Notary Public l State of Wyoming res June 14. 2004 [Space Below This Line For Acknowledgment] WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT ...00_, Q *VP i (Seal) W fiqf ri Borrower *4;4 (Seal) ONDA 1 LUTHI Borrower (date) ki ..G., .:(rf A C/. 2. /LA.. Notary Public Bankers Systems, Inc., St. Cloud, MN Form MD -1 -WY 2/17/2000 Form 3051 3/99 (page 7of7pages) EXHIBIT "A" 769 That part of Lot 2 of Section 33, T3511, R119W, Lincoln County, Wyoming being part of that tract of record in the Office of the Clerk of Lincoln County in Book 170 of Photostatic Records on page 241 described as follows: BEGINNING at a point, N40 -06'W, 4534.74 feet from the southeast corner of said Section 33; thence N89 26.5'W, 245.00 feet in part, along an existing east -west fence line identical with the north line of that tract of record in Book 168 of Photostatic Records on page 104 to an intersection point with the east right -of -way line of the Thayne- Freedom County Road No. 12 -125, N00 -02'E, 1134.68 feet and S89 26.5'E, 30.00 feet from center -line Station P.I. 224 +67.34 of said Road No. 12 -125; thence N00 -02'E, 89.0 feet along said east right ofway line to a point; thence S89 26.5'E, 245.0 feet parallel to the said east -west fence line to a point; thence S00 -02'W, 89.0.feet parallel to said east right -of -way line to the POINT OF BEGINNING; 1 each point marked by a steel T- shaped stake 24" long with metal cap inscribed "PAUL N. SCHERBEL RLS164 SURVEY POINT the base bearing for this survey is the center -line of the said Thayne- Freedom County Road No. 12 -125 lying between said Station P.I. 224 +67.32 and Station 254 +25.21, the bearing being N00 -02'E