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WYOMING Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 9/90
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. Sec. 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 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.
OS( ;)Oti1. 162
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
0010WY.doc 08/21/00 10:46 AM
PF 10/06/00 3:35 PM
Borrower Initials /W/
Page 2 of 8
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the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all
the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not
merge unless Lender agrees to the merger in writing.
7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and
agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's
rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws
or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and
Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority
over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to
make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so.
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 agents 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.
WYOMING Single Family— Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
OOIOWY.doc 08/21 /00 10:46 AM Borrower Initials
PF 10/06/00 3:35 PM
Page 4 of 8
Form 3051 9/90
164
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uznurtxru1 s ;as gottiM MEN r 01 ;oafgns st ;uOUII usui /3imoas sttp Act pampas uroi aq; 3i •saarg3 ueol
;uasuoo s,zamozlog Imp ;nog ;tM a ;oN 041 zo ;Uautn Tsui AlunOas sup Jo stula; 041 o; p1r$az
4Jim suota0pounu0000 Aur alum 10 1ragio3 `Ai31Pour `pua;xa o; aaza Arum 1aMO110g zag ;o Aug puE lapuarl Imp saaAr
(o) put `.;uatunusui Alimoas sup Aq pampas sums alp iced o; pa ;0Siigo i(tiruoszad ;ou si (q) `;uauznusui Aimoos
sup o saga; alp lapun izadold alp ut ;saza1ut S 10M0zlog 1Eli; A0AUO0 pug ;ura `02a;.tout 01 Auto ;uaurnusui
X3i1npas sup SuiuSis -oo si (r) :a ;oN alp a;n0axa ;ou saw ;nq ;uatunusui riIimOas sup suds -oo ogM zamofog
i(uy •i0lanas puE tutor aq Timis s ;uautaa1dm puE s ;uEUanoO s,JaMOUOg •Li tidgBEZrd jo suotsinozd atp 0; Toofqns
`zaMOZlog puE lapuo i o suSissu puE sloss000ns aq; ;pauaq tour puig Hugs ;uaum.usui X2unoas sup o s;uautaal2E
pug suuruanoo aqi, •saauds -0D Lf ;tiigetr' iraanaS pug ;atop :punog suatssy pug sa0ssaaanS•Zi
•Apatuuoi JO UP.' Ain JO asIOiaxa alp apnjpald 10 3o SantOM E aq ;ou itogs 1ipauta1 z0 ;puAttu 2utsto1axa
ut lapua7 i(q aouoioogzo3 Auy •;saza ;ui ut szossa0Ons mamo11og so zaMOZZOg TEUid10 alp ,(q apouu pueuuap
At m o 1105001 Act ;Uatunz;sul i4impas sup siq pamoas sums alp o uoi ;0Zt;10uu0 A31Pout OSIMlatpO 10 ;uatuXod 103 aunt;
pua;xa o; a5nJ01 10 ;sazalut ui IOSS000US ICue ;sute2o s3utpaaooid aouou utoo 0; palinbaz aq 1ou iirgs lapuari ;saza;ut
ut slossa0ons mamol1og 101amo110g Trutdlo alp 3 4titge1i 042 05Eaia10; a ;0mado ;ou iiegs zaMOLIOg 3O ;saza ;u[ ut
1055033115 .(um o; zapuarl Xq pa ;u0z2 ;uaumusui Ammon sup iiq pamoas stuns att; o not ;0Z1;1ODUE o uop00tJipout 10
;uaui (od _tot aunt; am o uotsua;xg •aani1M m ;oNi aapuari Mfg a3u0aragaod :pasraiag ;oi'i aantoaaog i i
•s;uau11(ud g3nS
Jo ;unout0 atp a3u0g3 Z pug i sgdr12rJud ui o; pimp/ s ;uauU(rd ,(tq ;uo0u att; o app onp ag; auod;sod 10 pua ;xa
;ou TJOgs iodiouud o; spaaoold 3o uot;Eottddo /(ur `hut ;i1M ut 00120 0stMlag ;o zaMOZZOg puE zapua- ssaiun
;9T
166
18.Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to
have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such
other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of
sale contained in this Security Instrument; or (b) 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 attorney's fees; and
(d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's
rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue
unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall
remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case
of acceleration under paragraph 17.
19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this
Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change
in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security
Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a
change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14
above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to
which payments should be made. The notice will also contain any other information required by applicable law.
20.Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or
release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do,
anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not
apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally
recognized to be appropriate to normal residential uses and to maintenance of the Property.
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.
WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 9/90
001OWY.doc 08/21/00 10:46 AM
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Borrower Initials
Page 6 of 8
06/6 IRK WiO3
8 JO abed Nid 5£ 00/90 /0I dd
IE[tlU[ 1aM0110g YNV 91 00 /IZ /80
INI3NIf12I.LSPII NRIO3INf1 agNI auwal,3/avw atuu¢3— Altulzd a13u1s— ONINIOAM
[,Cjtoads] (s)zagio iaplu luaueuuad/uotlon.usu03
.iapru awog puooas .tappi luawanoidmi ale2I zapru uoourg
iapt'i;uauuCed,imaanntg iam luauzdotanaQ uun pauusid aapt21 luaunied paisnptiO
aapt2l Xitwei ti i zap! -H umcuurtopuo3 Japnj ale'j aigtisnfpd
[(sa)xoq a igeotidds'ioagp] •;uauxnusui'Itmoas sup jo put
s wank (s)iapu aril 3t se luawtu sui ,(;moos sup jo sluautaaBt pus slutuanoo agl 1uamaiddns put puauts Begs pus
ouut paleaodzoout aq hugs aapu Bons gota jo s;uatuaal$e pus s ;utuanoo ag; `;uamtulsui AItmoas sup gum .tatipSol
papioaa.t pus lanno.uog q palnoaxa oat siaptz azom zo auo 3i ;uamna;sui ,f ;Ianaas stq; o; slam •1,Z
•,Cpadoid aql ut Jamop pus ,Csapno jo
siqptz its sagsinbutiat pus Apadoad aql ut uouduiaxa pealsautog Jo s;pu Iie SOAIRM zaMO.uo •saanirM•£Z
•s;soo uotuspiooai ,fue ,red ins .among •1aMonog of anqolnotrunk luatutulsui *moos
suit amp.' jugs zapua-i `luatutulsul /Clunoas sup ,Cq pamoas sums its jo luaut/Ced uodn •assaia2i•ZZ
o; pal ;l ;ua suosaad JO uosaad aq; o; ssaaxa fur (a) pum tluatuna;sui ,f ;tamaas
s[q; ,Cq pins sums He o; (q) tsaaj ,sBauao ;m algruosuaa 'o; pa;twll ;nq luipnpul 'alms aq; jo sasuadxa
Ile o; (r) :aapao 2ul,uollo3 aq; ui paiiddr aq Hugs airs aq; jo spaaaoad aqy •alus ,Cum ;r A ;aadoad aq; astgaand
Amu aau3[sap s;► ao aapua7 •Mti algral[dde fq pagtaasaad aauuum aq; ui Nos aq Hugs A ;aadoad aq; puu 'alms
jo aapou aq; gsl[gnd Hugs aapua' •t,j gdraarand ut papinoad aauuum aq; ui aaMOlaog o; alms aq; jo aal;ou
ant2 (lugs aapuari •Mml alquagddm q ;tt aautpaoaam ut ';uaaa33ip 3! 'S ;aadoad aq; jo uotssassod ut uosaad aq;
o; puu aaAOaaog o; asOiaaJO3 0; maw; 3o aal;OU an13 Hugs aapua-i'am 3o aaMOd aq; samonul aapua -i 3I
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any rider(s) executed by Borrower and recorded with it.
Witnesses:
RNE R MA CHIONE J (SEAL)
(SEAL)
(SEAL)
(SEAL)
(Space Below This Line Reserved for Acknowledgment)
STATE OF WYOMING, Lincoln County ss:
The foregoing instrument was acknowledged before me this October 1 0th, 2000 by
LAVERNE R MARCHIONE
My Commission Expires: March 2 5, 2 0 0 2
WANDA N. NEWMAN NOTARY PUBLIC
COUNTY OF i STATE OF
LINCOLN fA r' WYOMING
My Commission Expires 1- 2,5 7 02
OO1OWY.doc 08/21/00 10:46 AM
PF 10/06/00 3:35 PM
Page 8 of 8
Notary Public
168
WYOMING Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 9/90
Loan Number: 1310090076
Property Address: 2001 DEL RIO DRIVE
KEMMERER, WY 83101
EXHIBIT 'A'
LEGAL DESCRIPTION
Date: 10/10/00
LOT 15 L 3 OF THE ROLLING HILLS FIRST ADDITION TO THE CITY OF
KEMMERER, COUNTY OF LINCOLN, STATE OF WYOMING AS PLATTED AND
RECORDED IN THE OFFICIAL RECORDS OF LINCOLN COUNTY, WYOMING. APN
2116224010150.0
0 0 1 1
169