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HomeMy WebLinkAbout868991[4n01 Si ssatppu asogm pug „aamouog si zo&5uoul mil :s[upiul Z 0 aodd xd >,,e ooa �catV O) M 1K 83tA ",1 130 00 310 ,k1N1100 N 00Nt 0303038 L 3O t abed ISOf V1NN3 .11■131A111111SNI 11110.31M1 381A1a1PpaiNam aluue3 £llwe3 al2a!S J■IN[OAM Iapop d!Z] „ssatppd ,Iuadoid Z T T 8 SuiutoIM [hails] cram= mug 11011 0 3o ssaipp1 aq1 sng goiim 7iM S3rni1011 �115g Ds a13 e0 1 .x©y1t 0 3SY3'13a T1uOAM 'Aquno3 uToouiZ 'xaeTO S4uno0 et;. go eo ;o alp uT papaooea qv TeT 4 oq 5uTpa000e '6uTmoAM 'AqunoO uToouiZ uT egTsumoy pao ;peg etiq go T7T xoo1S uT Z qoZ :2uiutoAM `Aluno0 N'IOONI'I ui palE30I 1uadoid pagpasap 5uimojjoj aql `ales jo zamod t lim `iapuaj of fianuoa pug lug.IS `a2e2uotu Agaiaq sop .Iamouog `asodand sigp .ioa •aloN agl pun luatutulsul MunaaS stgl lapun sluautaaige pun slueuanoo s,zamotaoa jo aoueuuopod ail (o) pun `.luatlltulsuj 4.moas slip jo Alunoas ail laalozd 01 L gdmag-ted iapun paaunnpn `lsaaalu! mink `sutras imp() Iln jo luatuked ail (q) .a1oN aq1 ;o suopnompotu pug suotsua3Xa `sjgmauai lln pun `1sa.Ialul grim `a1oM ail Sq paouapina leap alp jo lualuArdai 0q1 (g) Liapual 01 saanoas luounulsul Allmon sip L 0 0 Z T 2I3SW AON uo ajqu,Cud pug onp `aaipea pied 1ou 3i leap iin3 alp gptm `sluallagd fijgluoul 10J saptno1d golgm `(„a1oN luatutulsuj kiIinoas sigl su algp aides aqp pip alou s paauaptna si lgap sigZ 00' 000'0 Z1 •S•n) snlIoa 00T/00 aNV aNVSnOHJ AyNEM1L aH2IaN11H ENO 3o tuns ludTauud agl .10pua sonic) .10tna Jog Ott£8 AM °NOyfV OZ9T XOS 'O'd V3I2I�S 30'S• n Jo smgj aq1 aapun 2upsixa pun paziuggao si gaigm IOI1LVIOOSSV `JNI)IN EI 'IFINOI LVN V ZS�I )INNS 'I�INOIy�IN yS2II3 op uan1V Si luautn-Ilsul MpnaaS sttjy rZ3IM aNK aNXSSfH '2IXIZV3 VSSa2Iay (INV HaIZVO b XNOH1NY 000 Z 'OT 2IaSO.LOO uo u0/42 si „1uatutu2suI Alunaas aDV o.L2IOW SIH.L TLZ8£ 901 'ON NYOrI aDVOIHOIN [elec Sutpioaau iod aU9 stay anogy aaeds] 0T1£8 AM 'NOL V MT XOS Od JSHM )INYS TIVNOI LVN ILS?II3 8 9 9 Oy maim aaa2I00S2I NaHM 656£TOZO VC 1�j8 ii 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 FNMA3051 Page 2 of 7 u J n Initials: C L Jo E 08Ed tSOfVINN1 LN�N[(lluSNI N[IIO3IN(1 alPPa /a'Ni alum 11U1 1 alaul5 ONI WOAM .a, stEp(uI .os op 01 0n1111 1011 sop aapuaZ `L gdulaulud situ lapun uotlZ11 a3Tel 'Cum iapun g2no143jd •s1TUda1 oolutu of Ali3dold aqi uo Suualua pug saa; ,siCau.ofu aiquuosuai Sulked `lino TIT 2utluaddu 'muautn.tlmmm 'ilTmoas sigf JOAO /C1!10T1d suq tOtgM uatj u 'Cq pamoas sums Auu 8ut,iud apnpui Ault' suopou s,aapuai •X iodold aril UT sui2p s,aapuarl pun Anadozd an jo anion aqi 1oa1O1d of £i ssaoau sI lanakm 1o; Xud puu op dour lapuarl uagl `(suoTluln2o1 10 sMUI 3010;113 of 10 a1nna ;1o; 10 uopuutuapuo310; `alggoid `Xoldn.n uuq ui WUTpaaooid 11 su guns) Alaadold an UT slq$u s,lapual loaf ;u ,illugouTu2Ts Amu rem 2uTpaaooad TT;2aj u sT atom JO `luauinalsul A11.11130s sigf uT pautgiuoo sluatuaaag puu 51U11uanoo am uuo ;lad of sits; aamoalog ;I •,Claadoad aqi ul sig2Tg s, jo uop3aioad •L •iup!M uI 1a21aut ail 01 saadu 1apu3 -I ssalun aaaaut lou Hugs app aaj aqi puu plogasual am `Aiodold an 01 app aa; sannbou 1amonog ;l 'anal a141 ;o suo!sinold ail A t iM 1ijduwoo Timis 1am0fOg `plogasual 11 uo ST luaumalsul Alunoas sT n n •a ouaptsa1 u su Alladold ail ;o ,Couudn000 s,1aMO1uog Suiulaouoo suoTluluasaldat `01 palm!' loo 1nq IuipnpuT `al0N ail Aq paOUapina uuo4 ail slim uop0auuo0 uT (uoiiuuuo;uT lmualutu Au11 i11M lapuai apinold of pang; 1o) lapuarl of sivatua1g15 ao uoputuJo;ut aluanoouuT JO asp; Allgualutu anus `ssaooid uoTiuo14ddu uuol ail 2uunp `JOMOaaog ;T ilnu;ap uT aq Oslo Hops aamol1Og •isaaalut Animas s,lapua-1 10 luatutulsul Animas SIgI (q pavan ua!l ail ;o 3uatutigdun Iuualuut Jain JO kladold. am uT 3sa1a1UT S,1 M0110g aqi ;o aaniTa;ao; sapnpald `uopuutuJalap ginj pool s,aapuai 114 `fugl $uilna u g1TM p3ssnusip aq o1 2utpaaoold 10 uoiiou ail $uisnuo `81 gd111$ma11d uT pap4nold su 'alulsuia' puu 14nu;ap 11 ions aano dour aaMOaaog •1s0101111 /(2!1n °as s,lapuarl 10 luaumllsul Xltlnoas sTgi paw= trop ail 1T11dtui klguaaum asimlaglo JO kI3dold agi jo aln3ia ;lo; uT ilnsal p4no° 1uatu2pnf 141m; pool s,lapua-1 111 311141 un5aq ST `Iuultupo 1O ITAIO 13 [1a4M `$U1paa001d 10 uopou amlia;ao; Aum ;T Tinu;ap u1 aq dugs 13M0110g •,Cu3do1d ail uo is liutmo3 s0 `a1111oualap of krodoad 3141 Molls `AIadoad om itedtm 10 aguutup `XoUsap loo hugs aaMOaaog •1011uoo s,aamollog puo,faq 31g gopim 1SIxa sa3UglsumonO 2u1funualxa ssalun a0 `pjatlilTM IClgguosgaaun aq 1ou hugs fuasuoo tp11M `2upjM 111 sa0a211 asTMla14fo aapurl ssalun `,Caugdn000 jo amp am calm amai( auo isuoT 311 a0; a0uaP1531 411dpuud S,19M0110g 511 kladoad 3141 Adn000 of anunuoo hugs puu luautnaisul ,Cfunoas sun jo u0 ail aal ;u &iup iilxis uTg3TM aouapisaa ImdTouud s,aaMOlog su Xlaadoad ail asn puu `gsgggisa `Adno3o llggs 13MO.uog •splogaseaJ 'uopeotlddV u1Oi S,aaAtoaaog :Xpadoad aqi ;o uoiieaioad puu a3ueuaiuleyAI 'uOTienaasaad ',feuudn3OO •9 •uoillsinbou 341 011oud IC4afuipautuu luaturuisul ,ifun0as sun pamoas sums ail ;o lualxa an 01 lapua'l 01 ssud Hugs uo ail 01 loud Auadoad am 01 a2gtu11p map 5upinsat spaa0old puu sap!lod a3uulnsul Au 01 114241 s,1amouog `lapuaj pa1Tnbou st /C1aado1d am IZ gd111211111d lapun ;I •sivau1-hd ail jo lunotu11 aqi aguugo 10 Z pue 4 Sgdu1S11111d ut 01 palls ;al s1u3uWii11d Ai14fu0W ail jo amp anp 3143 auodlsod 10 puma fou hugs IudIODUd 01 spaa001d ;o u0ti131Jddu ICu11 `2uif1M ui aa13g asIMaaglo 13M0110g pug 131)Ua ssalun •U3n12 s4 0011011 0111 UagM uT2aq IllM pouad 'Cup -0£ 314,1, •anp tram 1011 so 1agia14M luauttulsul iClunOas s1141 Aq pamoas sums ,Ced 01 so A1aadold aqf 0101501 10 1111da1 of spaa0oad aqf asn ,'11111- lapuOZ •spaa00ad aOUglnsul 31111031t00 but Jap11a^l uagl `u1-tup u a4lfas 01 pa/alp s11q 13111110 aOU111nsul an 1u141 lapua'I rum a0T1ou m sdup OE utgitM 13MSU11 1011 saop 10 `kaadold am suopuuqu 1aMOIog 3I •1am011og of pied SSOOx3 /Cue g1TM `anp tram 1011 1O JagfagM luaUmalsul Xlunoas STg3 pamoas sutras an 01 paaiddu aq hugs spaa0old 30ue1nsui am `pauassa4 aq P111 M Altm0as s,lapua-1 10 a4gisua; iC11uoTutouo03 1ou sT 14gda1 10 u041111o1s01 agi ;I •pauassal 1ou sT Animas s,lapua-1 purr aJglsua; I(Ilu0lu1-ou00a sT 1111da1 JO uo11u101531 ail j! `pa$11tuup ri1tadold an ;0 11uda1 10 1101311101501 01 pai4ddu aq 44ugs spaaooid a0Uglnsut `2u11i1M 114 331211 354M1ag10 10M0110g pug lapual ssalun •1oMO11og Aucit IO1d ap11u1-1ou ;I ssol ;o;ooad 3)4gtu Amu lapua-I •lapua1 pu11 1at11110 a011u1ns1T aqf 01 a011ou idulold 0Al2 4411145 10M0110g `5504 ;0 loan an ul •53011011411M0ua1 purr stun uzald mud jo Sidia0at 4ig l o1 anT2 ,illdutoad Hugs 1amo110g `saatnbal aapuarl ;I •S4umauat pu11 saioijod aqi p4oq 01114241 an anvil germ 10pu0Z •asn1110 a2u2uotu paupuuIS 11 apn40uT Hugs puu lapuarl 01 a4qu1da0011 aq Hugs s41Maua1 puu sa1o1lod a0tr111nsui Iid •L 14du1211111d g1IM 30uup100011111 rilaadold am in s1q$i1 s,lapua110a1o1d o102111ano0 u4ulgo `uopdo s,lapua'I Tr 'hut .apuo `anoqu paquosap 02111an03 u1111u1Utu O3 54111; 1amo.uog ;l •pla1gliM zC4g11uosualun aq 1ou nulls g0414M 411nolddu s,lapua-I o1 loafgns lamortOg Aq uaso140 aq 44u145 a0uulnsui ail $uipinold 1011120 aOU11ansut agj •sonnbai 1apua11gg1 spoiad aqf 10; pug Slunoure am in pau mIUT11W aq Hugs a0U11lnsui SP1L •a0uulnsuT saainbai 1apuarl 140TgM 10j `2uipool; 10 spool; 2utpnpuT `sp111zuq 13410 iiu11 puu „a2111ano0 papuaIxa„ 11.1131 ail u4gfim popular! 5pluz11q `ail; Aq 5504 lsure211 palnsu4 iC1.tadold aqf uo pa10010 101j1101aq JO 2u1fs1xa Mou sluautanoldmi aqf daa)4 Hugs 1am01a0g •OOUeansui ,Ciaad0ad a0 paez1H •S '00110U JO 2111414 0141 ;O sii11p 01 um1411M anoqu 14110; 105 511011011 041 ;o 010111-.10 0110 334111 10 11044 3141 AJSIIPS 44ggS 10M011011 U 0 14 0 14 1 2 U1 3ifuapT a011ou 11 1aMO11og 0 /T0 hut lapun `TuOUItulsul Animas SIT 1OAO i14 11TU1111 ii11tu 14044M uai4 11 01 lOargns sT A11adO1d aqf ;0 I111d Aug 111141 sau!uUalap 10PU0 l 3I •fuaumllsul ''Tunas stg1 01 ua11 aqf 2upuutpiogns lapu0Z 01 £101011;211115 iva11w0312g 1111 uai4 ag1jo 1ap4oq am tuna; sam0as (o) 10 `.11344 aqf ;o 3uauta010;tra am fuanald 01 a1111ado uotuido s,lapuarl aqi 11i g0T4M s2uipaaooid 411204 '1T uai4 aqf jo 1uaU1a01o;ua 1su!112u spuojap 10 `,Cq trail ail glt11; pool 114 sisaf11o0 (q) :1aptra1 01 alqulda00u 1ODUgtu 11 114 iron a141 Aq pamoas uoT182pgo am ;01U0UI iud ag101 2up41m ui Saa1$E (11) :lamouog ssalun f11aUIIUISUl'i1T1n0as S1141 JOAO X14IOI1d S1111 g0T14M uai4 /'U11 0211114054p 1Iidutold 1iugs JO/110110g 9 20 i,8 3 91 02 i 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. 8. 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 FNMA30S1 Page 4 of 7 Initials: y :sjzfiuI L JO S a$�d tSO VINN3 .LNaW(rnhlSNI voloaINfl 313I1I alppal3/anq 9laae3 ,ftiUB3 alaulS ONINIOxM •,CuadoJd ail Jo aoueualutuuI of pug sash Ietluapisa.r Ieuuou o; aleiadoaddg aq o1 paziugooai ,i!leiauag are i i.p saouelsgns snop1gzeg jo sappuenb !Hums jo ,Cuado1d aq3 uo age.zols J0 `asn `aouasaad ail of ,Cidde lou !lugs s9oualuas ONO guipaoaJd aqZ :me-1 leluaumoJinug ,Cue jo uotpgTOpn up sp legi AnadoJd aril gupoajjg guitp a 'op oi asp auo,Cuu moue JOU 'op lou Hugs J9mO.JOg °,CiaadoJd aq1 III Jo uo saougisgns snopluzeg ,4ue jo aseaiaz Jo '02ga01S Igsodsip `asn `aouasaad a111 mnuuad 10 asnuo IOU !lugs Jamoaaog •saounIsgns snop.z zsH '0Z mgI aigzoiidde ,Cq paJinbar uopguuoJul Ja1110 Aug U! 11J0o oslu !um aOplou ata •apeuu aq plump sluatu,Cgd goium of ssaippe am pug Jaoinaas ueo-I mau alp jo ssaappu pug aui u a113 aims 11!" aopou agZ :mu! alquogddu pug anoge bl gduige.red 111im aouepa000g ui aguego ail jo aotiou uallpJm uanig aq Ilan Jano1JOg `Jaopuas UgO'j ail 30 aguggo g sp army 3I 'aloN ail Jo alas g 01 palgiaaun JaO!AIOS ugog atp jo so uugo aJOUT JO auo aq ,Cgum oslg aaagj •luaumalsul Cltmoas sup pug ai°N aull Japan anp sluauu,Ced C1111uotu smarm ie ti „Jaopuas ugo-I„ ail se umomi) Clpua aqi u! aguggO g up 1lnsaJ Amur ales d •Jamo1JOg o1 aopou Joud inogum samil aaom Jo auo Amos aq ,Cut (luaunulsul Klianoas spy gllm Jag1a3o1) aloN agi in 1saaalul lgi2Jgd g J0 91ON 211J •aaolna9s Uuoi! 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Ja1110 Jo lsaaalup ail ie111 os palmdaam! ,C!leug si me! 1ei1 pug `sa2Jgg0 ueol tunuupxutu spas gopgm mu! a 01 lOar'gns Si luaurnllsul ,C1!Jnoas sup Aq pampas Imo! a1113I 'sagaega uuo'I '£I x 02 S 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 Other(s) [specify] TAX EXEMPT FINANCING RIDER WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Condominium Rider Graduated Payment Rider Rate Improvement Rider Page 6 of 7 I Planned Unit Development Rider Biweekly Payment Rider Second Home Rider Initials: tamoiJog (IgaS) 12M01.108 (i Jam°nog (TgaS) algQ 000Z `OT aa MID vs salmi. "1"'"g (MS) /1/7 W rcirvi V G J00 ZVD ZS /,XAI L 3o L aSed :ss 1soCVPINA 1N3NIfIN.LSNI 14UI03INf1 ael4l a1PPai/asN1 aluueg 6gone3 0 1 8 u1S 9N114101iM �,oz'8i Jagwaadas sei!dx3 uoISSIWwo3 8u:wo upun m aas jo*RIO AIM 3f180d MINN S3NOf ANN3d £00Z -81 -6 :sanidxa uoissiuIuzo3 *Ms IRI3Ij3o pug pugq Stu las olunazaq At I `dOd2IgHM SSdNJ.IM uI 2 (s)uoszad iaTzPO sssaiaL pus anzg0 Lumpily uo `otignd £iglol\i g `aul azojaq po2painnoulog sgm luaulnzlsut guto2aloj aqy N'IOONIZ IO AllsinOO 9NTHOMM IO aivis sassauliM •u glim papzooaz pug zamoziog .(q painoaxa (s)zapp Sur ui pug luauinzlsul Altznoos Sigl ui paumuoo sluguanoo pug suual aql 01 wade pug sldaoog 10MOZZOg `MO ONll DIS A£1 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: i) 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 (1) (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 1.43(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(f) and (1) (2) of the Internal Revenue Code. 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 c) 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. 1 Borrower thony Q azier MPP 210 -B (Revised 12/95) 7 Borrower Teressa Ca Q1