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HomeMy WebLinkAbout869177WHEN RECORDED MAIL TO: 8 6 9 17 7 First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007689664 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated Oc tober 19 2000 together with all Riders to this document. (B) "Borrower" is DONALD J KUNDINGER and PAMELA M KUNDINGER, husband and wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. Lender is a Corporation organized and existing under the laws of The Un i t e d States of A m e r i c a. Lender's address is 485 Washington Afton, WY 83110 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated October 19 2000 The Note states that Borrower owes Lender One Hundred Forty -Eight Thousand, Five Hundred and No /100 Dollars (U.S. 148 ,600 0 0 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than November 1 2015 (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. i i I A II Space Above This Line For Recording Data MORTGAGE WYOMING Single Family Fannie Maa/Froddle Mac UNIFORM INSTRUMENT I.T. 3/00 RECEIVED C(1 U TY 00 OCT 20 N1 14 KEWW1 lE .'u' "rONING 110E7K' 4 4 PR PAGE_ 4 4 4 Initials Initials Form 3061 3/99 (page 1 of 15 pages) MWYO1CV AOZOAMW (se,6ed g l Jo efed) 68/5 190€ wind Japrg a3UeznsuI a21El10JAl n (s)Jauio zaprg aur°H puoOas n 00 /80 SSA 1N3Wf1H1SNI WHOdINf OeW alppeidmew•.elilued- -Aliwed e16u!S-ONIWOA M b99699L000 :aaqucnl ueo7 alp `ales ;o Jamod IpiM `su2Isse pun szossaOOns s,zapua-1 puE zapuaJ 01 Sanuoa pun 1uez5 `aSi$uouI Sgazaq saop Jamonog `asodznd srtp Jod '01ON a p pue luaumusul AlpmOas snp zapun sluautaaffe pug S1U1a0nOO s,1amozrog ;o aaueuuojzad alp (q) pun :aloN alp Jo suo ?lead ?pout pun suorsuaixa 'stemma' HE pun `ue0 am ;o luaurSedaI alp (e) :zapuaq o1 sa1fOas luatunJlsUI ii1!JnOaS s ?u1, A.LLIddO'Id RH.L NI S.LHJRI dO 2IHdSNF�2IL •luaumzlsUI LilrznOaS snp Jo /pun a1oN alp zapun suofiSrjgo s,zaMoJJOg patunssu seq Slzud 1ng11ou zo zaglaij `Slzado1d all 01 app uaxel sun lnul Spud Sun sum „zaMoaaog ;o ;saaaluI•u■ aossaaanS„ (d) 'VdSH2I Japan „uvol OSEOUOuz palulaz Slluzapa;„ e SR 4Jrpmb iou saop uuoj ag13? liana „tiro' atnglzoul paleiaz dlluzapal„ u o1 pziSaz lit pasoduir azu Tull) SUOMI11S J puu sluaurazrnbaz HE 01 SJOJPJ ydsH'„ `luaum.Ii ul slunoas snp Ur pasn sy •1a11 W 1Oafgns allies alp sUZano2 lEtp uo ?1uingaz 10 uorpelsrffaI JossaOOns Jo maorllppe NiU1 zo `atop 01 amp mug papuauxe 1112?ul Sag! sn `(OOS£ 1d tZ) x uopepl2au `uoT11 Jn2az 2upuatuaiduq s1r pue (•bas 1a i09Z O •S•f1 ZT) 1OV saznpaO01d luauraTllas alulma Iua21 alp small! 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All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity or (d) Electronic Funds Transfer. Loan Number: 0007689664 WYOMING-Single Family Fannie Mee/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initial 4 4 erm 3051 3/99 (page 3 of 15 pages) MWYO3CV AOPOAMW (se5ed gj. to q eyed) s6/e rsoe Wand 1 V oo/e •ri 1N]Wfitl1SNI WmOdlNfl IoW •IPP•d/""W yuued-- AgiumJ elf P99689L000 JegwnN own /iuy aunt Aug lip small MoJOSa llp JO /Sup 103 spung Japu°'l o! /spd of uoriaiigo s,Jamouuog an1M Amu Japuaj •small mama Tr Jo /iue uo3 spun all /ii d of uotlarlgo s,uamouog s lapua-I ssapun stuall Molosg 103 spung all JapuaJ /fed Ipe'Ts Jamoziog •uopoas slip Japun pled aq of siunoure jo saorlou ilu Japual oI rlsruln3 /ipdtuoid lletis 1amo11og map mouosg lie ag llegs slumussasse pue saa3 `sang lions pup `1amo1Jog /iq pam0losa aq 'Aug 3r `s;uaurssassy pug saad `sang uorluroossy /ilrununuoj pup annbai /it'ur Japua-i `ueo'1 in jo uual alp &uunp amp Aug le Jo uol2par410 ly ;moll Molosg„ pale 3 ale stual! °sally •01 uOpoas 3o suorsrnold aril rprM aouupi000u ur stunrtuald aoupinsui agauoyil jo luaudpd aril jo nap ut JOpuaj 01 1amoiog /Sq alqu/ipd stuns Sur 10 `/iuu 3i `sumrutald aouemsul a8ai1oj, (p) pup :s uopoas Japan Japua-I /iq palmbal aoupunsu! lie pup /suu 1o3 sumrtuald (o) :/Sue 3r `/suaaold aril uo swat punoa 10 sluaut/iud plouasual (q) :/SUadold aril uo aouulgmnoua Jo tarp p sp luaumiisui /ilrinoas s!!p 1 °n0 /i2u0ud urnlle ueo poppet sump Jarilo pug sluaurssassu pup saxpl (u) :JO3 anp saunoun', 3 3uatu/fed 103 aprnold of „spung„ alp) ums p `lln3 u! pled st aloN aril 1pun `aloN aril Joplin anp all sluatu/iud orpollad £ep agl uo lapual of ,iud hugs u°mo1J0g -swan Moausj Jog spung •sluatudpd orpouad aril 3O `lunoure all affuugo 10 `alpp anp aril auodlsod 10 pualxa Iou antis aloN aril Joplin anp pudtouud oI spaao0ld snoauuipaosyQ 10 `spaaoold aouelnsur `sluatu/ied jo uopeorpdde /iuy •aloN alp lit paquosap se tall pup sa ng° IuatuAudald /flip of Is1g parpddp aq plegs sluaur/iudald /ilelunpon •anp saR.re'To alpl /Sup of paridde aq Stu ssaoxa lions `sluauz/fpd orpouad amou1 s0 au0 JO luatu/ipd ping am of pagddu Si luautAud all lap wpm ssaoxa /fuu lug lualxa aril Oy •ping u! mud aq tiro luam/ied loea `lerll lualxa aril of pue `3r sluauz/ied orpouad all 3O luatukuda1 all of JOMOJJOH wog panraoa1 luau/Cud Aug kiddp /sour Japuai `ffurpuplslno sr luatu/iud morn,' am tell aunt! 3 1 a all pup luaru/ipd luanbugap all o! palddu aq Stu luau!/fpd all `anp °glib alel Aug /led of lunoure Iuaror p sapnpour lorriM luatu/Sed orpouad luanburlap a 103 1aM0J10g tu0J3 Iuatu/ipd p sanraoal Japua-I 3I •020N all 3o aouepeq rdtouud alp aonpal Ol tall puu `luaultulsul /i1unoas srll Japan anp slunoure Jahn £uu o7 puooas `saglego ales of lsJ!J parldde aq pugs slunourp gururetual /fuy 'anp aureoaq Ir gorgM ur Jap10 all u! luatu&ed orpouad goua of parlddu aq hugs sluaurAud pons uorloas Japun anp slunoure :aloN am Joplin anp tedrouud (z) `.alos' all Japan anp lsalalur (I) :/iluoud jo 1ap10 Su1M011o3 all ur paridde aq plugs npua /iq parlddu put paldaooe sluaur/iud lie `z uorloas srgl ur paquosap asiMJaglo se ldaoxg •spaaaoad ao swam/Cud jo uot;eoriddy •Z °luaUIJlsul Ammon srll /iq palnoas sluamaaau puu slupuanoo agl guluuo3Jad Jo Iuatunllsui Allmon srgl pup aloN aql Japan anp sluatu/iud &uplptu tu013 1amo1log anarlaJ begs Japua-J lsur gr aJnln3 all ur JO MOU anpq WTI 1am01J0g lorgM upupo Jo 1as33o oN •alnsopoalo3 0l loud dpalprpaunur aloN all Japan aouuipq 1pdrouud gutpuelslno all 01 pariddp aq 'pm spunj lions `Jaffna parldde loo 3l •10M0110 03 mall ulnlai Jo spung lions /ipddu 1aglra bugs lapual `amp 3o pouad algpuospaJ u urg3TM os op loo saop Jamollog 3I 'lua.runo ueo-i alp &uuq of (s)luau!&pd sawn 1amoJlog prlun spung parpddeun gons piol Aum Japua'I •spung pariddeun uo Isaualu! /ipd loo paau Japaa- tall `alep anp painpa slr jo se parlddu s! luatu/ied orpouad 1oua 31 •paldaoou alp sluatu/fed gons amp all lip sluatused gons /fiddp of palugrlgo loo s! Japua-I lnq `°hung agl lit sluatu&ed pepupd 1O (s)luamAud Ions asnJaJ of slg !J slr of aorpnCaud Jo Japunala1 mg!' /Sup go J AWWM lilolliM `lualmo ueol all guuq of Iualol33nsur (s)luatuked prnn d JO (s)luauSd /suu ldaoop Sum Japuaj •lualmo ueo•J all guuq of luaror33nsur ale sluau/ipd peeled 10 (s)IuatuSd all 3r (s)luaul/ied lep1ed 10 (s)luauz/ipd /Sue lima! Amu Japua-I •Sp uorloas ur suorsrnold aopou all germ aouppl000p ur Japua /sq palpuffrsap aq Sum se uopeool Jaglo 'Tons lu 10 PION all ur palpugrsap u0ileo0l ej3 lip panraoaI ua'TM Japua-I &q pOATPOPJ pamaap PIE sluatu&Rd Loan Number: 0007689664 such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (1) sufficient to permit Lender to apply the Funds at the time specified under RESPA and (2) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal WYOMING- Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 ty6t r7 (In s) (Initials) 4 4 Form 3051 3/99 (page 5 of 15 pages) MWYO5CV I 1 AO9OAMw (seOed gt jog eBed) eras L9oe wad !AUI oae •i•! 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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 (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (2) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the 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. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. Form 3051 3/99 (page 7 of 15 pages) MWYO7CV AOeOAMW (seded g j {o g eyed) eeie LSOE LIMA law s leINU 1 oae •ri JN3INnUISNI own eippw4/ooyq oluuVV-- Auuied eifiu!S ONIWOAM 099689L000:JegwnN ueoi •anJasaJ ssor ions uo s2ur11zga Jo lsaialui Aug Jamouog Agd of pannbai aq lou riegs iapua- pue `Irn3 ur pled Aialeuulrn sr ugo-r air' imp loe ail 3urpueistprmiou `arggpunjai -uou aq riEIrs aAlasai ssoi ions aougmsur a3g31ioj jo nazi ur amasai ssor arqupunpaJ -uou g se sluaulAud asagl urelai pug asn `idaooe rum Japua-r •loajja ur aq of paseao a3gianoo aoueznsur aril uagm anp aJaM rip sivaur/igd paigu3tsap Arawigdas a p jo lunouig aryl Japua-r of £gd of anupuoo iiegs Jamouog `arqurrgng lou sr a3eJan00 Oou1Jnsui a2r5liow luarenrnba ,irrgrluglsgns Jr •Japua paioaras Jammu a3e32JOtu al1UJaljg 1113 uuuj `1oa33a ut Arsnotnard aoumnsur aggBuojAi atp jo JOMOJJOH 02 lsoo aril °l luargnmba Aiiepueisgns lsoo a le `papa ur Arsnornaid aougJnsur a3e3l10J4 aryl 02 luargninba Arrgrluglsgns a3etan00 unigo of pazrnbai sumnuatd atrl Aga Hulls Jamouog `aou1Jnsur a3g3lzow toj sumrtuaid ctrl p1emol sluamArd paigu2rsap riial1nedas arum of pat!nbaJ sum Jamouog pug aourtnsur Irons paprnotd Arsnorna1d ;etp 1amsut a5urntout aryl utogg arggrreng aq of saseao pairnbai a3g10noo a ouninsui a3g3li0j atp 'UMW bug Joj 3I 1oa3ja ur aougmsuj a3g3l1OJ ail utgiuruut of patrnbat swttrutatd aryl Aid p rqs JamoJJOg `ugol a L4 3unp ut jo uorltpuoo g se aouuJnsur a3g3l.toN pairnbai .iapua-I jr •aaugansui a3g31toy%r •0i •3utl1JM ur Ja3Jatu air; 04 saa13g Japuaq ssarun a3Jatu lou iiggs app aaj aryl pug piogasgar aryl `Altadotd aryl of app aaj satrnboe Jamo1JOg 31 •asear aryl jo suorsrnold aryl Ire Irian Ardtuoo Hulls JOMOJJOH `prorrasgar a 110 sr luatuntlsur iflrmo srtil Jr •luaulkud 3urisanba1 Jamo1JOg of Japua-r tuoij aorlou uodn Isamu! Irons qum `arquAgd aq a qs pug ivatuas1ngsrp Jo amp aryl 1110Jj alga aloN ctrl le lsatalut ivaq iiggs slun°u112 asatu, •luaUm.tlsur Iilunoas sail Aq pa.tnoas Jamouog Jo igap iuuorlrppg autooaq iiegs 6 uorloas sup Japan 1apuaJ Aq pas.tngsrp slunotur JUT °6 uorlo0S sup Japan pazttotring suorioe ire 10 Niue Burge) lou JOj Airmen ou mom! Japua-i Imp paat g sr lr •os op Ol uopg3rjgo JO Amp Aug Japan lou sr pug os op 03 angIr lou saop JapuaJ `6 uorioas sup Japan u0tlog a3p1 AEM Japua'I g3noglyd •jjO Jo 110 pauJnl sarl'Irin anuq pug `suorlrpuoo snota3uep Jo saoperorn apoo JaIrio Jo 3urprrnq a ;uurutrra `sadrd utoJj mum ut1Jp `smopurm pug stoop do pzgoq Jo aoerdaJ `5)1001 a311e1[0 `s1red01 a)113W of iiitado1d aIri 3uuaiva `03 palnutr lou sr lnq `sapnrour Jiizado1d alp 3uunoas •3utpaaootd dfoldnniUeq a ur uorirsod patinas sly 3urpnrour `luaumJ ;sul *tnoas sup Japan sltrau Jo /pug ,ilzadozd aIrl ur Isazalu! sir loalotd of saaj ,s4auJ011g ajgeltosuaJ 3urAgd (E) pug 'moo ur 3upgaddg (z) `ivaUmJlsur AiunoaS sup Jan° Aluoud sgg gortim uari a Aq pamoas sums Aug 3utAed (I) `ol paltturi lou aze mg `apnrour ago suopae s,Japua'i •AiJadoJd aIri 3urJrgdaJ Jo /pug 3urtnoas pug `Alzado1d agl jo anren am 3urssasse Jo /pug 3urloalotd &npnrour `ivaumJisui ,ilrtnoas srm Japan sig3u pug AizadoJd am ur lsatalur s,Japua loaloJd of ai1Udotddg 10 argeuosea1 sr Janaiggm Joj pied pug op Amu Japuaq uagl `Aizadoid alp pauopuggg sgq JaMOJJOg JO `(suorigrn3a1 10 smei aaiojua of Jo ivamtutsur A;rznoaS sup JOAO Aitzoud urglig pima gorgm uarr g jo luautaozojua Jo3 `a1nira3J0j 10 uopguarapuoo Joj `aiggotd `Aoidanrugq ur 3urpaaootd a su Irons) luatututsur Ai1Jnoas sup Japan sig3u Jo /pug Attadotd agi ur isatalur s,Japuai 1oa33g ,ipugopnt3rs ig3rut iegi 3urpaaootd re3ar a st atom (z) luaumJisul Slrznoas sup ur paureluoo sivautaatRe pug siuguanoo agi uuojtad of spuj JaMOJJOg (I) ji ;uauma;suj ,f ;ranaas srq; aapun s;g3rg pug ,fpadoad aq; ur ;saga ;ui s 3o uor ;aa ;oad •6 •aouaprsaJ iedrouud s sg if3JadoJd am Jo Aouudn000 s,Jamottog 3uruiaouoo suoriuivasa1daJ `03 palrtari iou a1R inq `apnrour sUOrluluasa1da1 tertaleN •ugo-r am gllM uotloauuoo ur (uoriguuojur rg!Jaleut tfIM Japua1 aprnotd of palm Jo) Japua-r of sivatualuis JO UOTTEULIO3ttt ai1Jnoogut 10 `3urpearsrtu `asT; Aiiguaieut ang3 ivasuoo Jo a3parMOU) s,Jamo1JOg trirM JO JamoJJOg Jo uorioanp am le 3utlov, sarlriva JO sUOSJad Aug to Jamouog `ssaootd uorigo1dde ugol agi 3urtnp `3r iinvjap ur aq riggs JaMOJJOg ugo mamoaaog •8 P e G. ;.?n 45( Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim Loan Number: 0007689664 WYOMING-Single Family Fannie Mae/FroddIe Mac UNIFORM INSTRUMENT I.T. 3/00 Initl orm 3051 3/99 (page 9 of 15 pages) MWYO9CV AOOLAMW FOP 00/C TI v %/7 I 4 im iBiuUt V99699L000:JagwnN ueoi ,Sizadoad `saa3 sSauzoiig `oi paiiu iou inq `SuipniouT `ivarunuisui AilJnoas slip Japun siqplu pug Apadozd alp ur isauaiui s,Japua-i Rupoaload jo asodznd alp Jo3 `iinumap s,JamonoH mum uopoauuoo ui pauuojiad saoinaas Joj saa3 samoJUOg a2Jugo Amu Jopua •sanega uuo' •Vi °Japua jo suBIssu pug szossaoons alp ipauaq puu (0Z uoiioas ui papinoud se idaoxa) puiq hags ivauinuisui unoas sup 3o sivauraaJ2u pug siuuuanoo aqy °8upizm ui asuaiau lions of saaAu JapuaJ ssaiun ivaumJisui Allmon suit zapun Anjigi li puu suoTiaiigo s,aamouuog mug pomp.' aq iou itggs Jamozzog •ivaunuisui Aiianoas sup Japun sipauaq pug s,zamonnoa jo iiu ulgigo iiugs `zapua -i Aq panouddu sI pug Tupum ur ivaumpsui Aiunoas slip Japun suopuRpgo s,zamoJJOg sums oqm zamoJJOg jo isauaiui uI Jossaoons fug `gi uoiioas jo suolsinoud alp of ioafgns °ivasuoo s,zauB!s -oo aqi inoTpim aiom alp Jo ivaunuisui Allmon sup 3o SLUM alp 02 pJg2a1 gilm suoprpounu000g Am alum JO zgaquo3 'Am= `puaixa of =Jar ugo uamozzog zagio Aug pug Japual nip saau3u (o) pug :ivamnuisui ,iiunoas sup Aq paunoas sums aril /Cud of paiaiigo Aiiuuosiad iou st (q) `ivaruruisui Xilunoas sup jo suuai aqi zapun 1Si zadoud alp ut isaiaiul s,Jau2is -oo pip ifanuoo pug iinu `a2u21Jouz of Aiuo ivaunu sui Aiunoas sup Bunr3ls -oo si (g) „zauais -oo„ g) aioN alp ainoaxa iou swop inq ivauuuisui Allmon slip su2TS -oo oqm uamozzog Jiug `sanamoii °iuzanas pug iuiof aq iigris Xigiquii pug suopaiigo s,aamozzog Imp saa1Su pug siuguanoo uamouuog •punog suBissy pus siossamns :saauBis -oa :,fiiilqun isaanas pus iuiof •£I °Spaumaa Jo 1113T.1 ,Sus JO aSTOJ Xa Pip apnioazd Jo JO Jantum u aq iou iiugs 'am) ua morn aqi until ssai siuno= ur Jo JamoJJOg jo isauaiui uI saossaoons zo sappua `suoszad pmgi wog sivatuArd jo aouuidaooi s,Japuaj `uopuiruni inogilm Turpniou! Apauraa Jo iglu iiuu 8urslozaxa ui zapua-i Aq aougugagao3 ,Suy •zamo1Jog 3o isauaiui uI sJossaoons Auu Jo Jamozrog iguiguo aria ,iq apgur pugurap 3o uosuau Aq ivauznuisui Aipnoas sup Aq pumas sums gip jo uoptzpiotuu ijlpoul asrmuagio Jo ivaurAgd Jo3 amp puma of asnJa1 of Jo uamouuog 3o isauaiui ui uossaoons /Cur isureau sgurpaaoozd aouauuuoo of paumbaz aq iou pugs uapua-i •uamouuog 3o isauaiui ur szossaoons Auu zo zamoJJOg 3 ii !qull aqi asuaiaz of aiuuado iou pugs aamoauog 3o isauaiui ui Jossaoons Aug Jo JamoJaog of uapual Aq paiusua ivaum1isui Aipnoas sup ,iq paunoas sums alp 3o uopuzumur 3o uopuoplpour Jo ivauiiigd Jo3 atU1 Pip 3o uorsuaixg JAM s ioiq aapual £g aausauagioj :passaiag ;oN aamoaaog •zT °z uoiioas ui uo3 paptnozd zapJo alp ur paiiddu aq hugs Aivadozd alp jo Jiudai Jo uoligzoisa1 of pagddg iou a.re nip spaaoozd snoaugiiaosI TIV °Japua-1 of mud aq iiugs pug pauBIssu AgaaaT1 aJU Auadozd aqi ui Isamaiu! s,JapuaI 3o ivauutudun alp 03 aiquingrJiiu aau nip saguurep uo3 unuio Jo puma Aug 3o spaaoozd aqi, °ivaumuisui Allmon snit Japun sigSU Jo ifiaadoud alp ui isauaiui s,uapuaq 3o ivauznuduu iuuaigur nip Jo Iiizadozd alp 3o aunila3JO3 sapnioaud `ivaumpnf s,uapuaj uI `iggi 2uiin1 g gum passuusIp aq of 3uipaaoozd JO uopou aqi 3uisnuo Aq `61 uoiioas uI papinoud su aisisulaz `pauzn000 suq uoiigzaiaoog 3I `puu iinuJap g lions auno ugo zamo1JOg •ivaumuisui /iiunoas sup Japun swRIJ Jo ,ivadozd a'ii UT isauaiui s,zapual 3o ivaumgdun isuaiuWU Jagio Jo AUado1d alp 3o aunila3JO3 ui iinsaJ pinoo `ivaur .gpnf s,Japua-i ui imp unFaq si `p uimuo Jo ITAlo .1mpg/A &uipaaooud Jo uopou Sur 3i iingjap uI aq pugs zamozuog •spaaoozd snoauuiiaosm of maw ui uopou 3o Wu g s1Ti zamozrog urogm su Aired alp JO spaaooad snoaugiiaosm uamo1JOg MAO iugi ,iuud pz!Tp alp SUMS „SUM &tsoddp„ •anp imp iou Jo uagiaqm `ivaumzisui Allmon sup Aq paunoas sums au 01 Jo Auadoud alp jo JTUdau Jo uoiisuoisaJ of za1pia spaaooud snoaueiiaosIN alp Aiddg pug polio° of pazuoginu sI zapua-i `uar4 Si aopou alp aiup alp Jags sip p£ upplm JopUJ 01 puodsau of spuj Jamozzog `saRuurgp uo3 (Y t; L inspection and valuation fees. In regard to any other fees, the absence of express alt drity in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (1) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (2) words in the singular shall mean and include the plural and vice versa, and (3) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. Loan Number: 0007689664 WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initials orm 3051 3/90 (page 11 of 15 pages) MWYIICV AOZLAMW (sexed g {o et cooed) ewe 190e Wae IB111u1 slelyu on '1'1 1N3Wnd1SNI WHOIINf DBW o!PPNdNSW Sluuy- -AnwBJ el6U! ONIWOAM ydS32I uopuuuoJu! zaLpo Sur pug aptui aq pinogs spuatuArd goTgm op ssazppg aIrp `zoo -pugs uroi mau aLa 3o ssazppu pue aturu aLa aprps illm goigm 3auugo alp jo aopou uap1Tzm uaATS aq [gm zamozzog `zaoTAZas uuo-i aLp 3o aSuugo W Si ramp 3i •apoN aga jo airs g oa paagiazun zaoTnzas uro-1 aga jo saauWgo azouc JO auo osig azagy •mWZ alggoiiddy pug `auaumzpsui Spi noas sign `apoN alp zapun suogr2uqo guioinzas ueoi aSgSpzour zagao suuo;zad pug puaunuisui Ail sign pug a aga zapun anp swam/Cud Tpouad saoalioa imp „zaormas uro-i„ aga sg umou)i) Sapua aga uT aSuggo r uT iinsaz ai im ales y •zamozzog op aotaou zoud anogprm sawra wow zo auo Nos aq una (puaumuasui Spunoas sign gaim zagpaSop) apoN aga ur asazapur lerped a JO 030N PIr,i, •aauuna!JO 3o am;oN :aaalnaas uuoi Jo a3uugD :a ;ox 3o is '0z •gl uoTpaas zapun uopuzalaoog 3o SRO alp uT SIdde pot Huts apgpsuraz oa pgSU sign `zanamog •pazzn000 pug uoT3WZalaoor ou 3T SE anrp0033a ifiin3 uirmaz Hugs SgazaIr pamoas suopu2i qo pue auauu upsui Spunoas sup `zamozzog Aq puaurapepsuTaz uodfi •zajsurz,i, spung oiuozaoaig (p) zo Sow JO SlTlupuaumupsuT `Aou32E IWZapa3 g Sq paznsur PIE siisodap asogm moralism ue uodn umgzp si 3ioaIro lions Sue papinozd `3loaLa s,zaTgseo zo ratio s,zaznsuazp 'vow 3Iuuq VaLo pardpzao (o) `zapzo Sauom (q) `Irseo (W) :zapua -J ,Sq paaaajas sr `suuo3 3utmollo3 alp 3o wow zo ow ut sasuadxa pug stuns puaruapupsuraz Bons Srd zamozzog imp azmbaz Arm zapuaJ •pa2u1goun anupuoo hugs `puaunupsui Saunas sign Sq paznoas sums alp Srd oa uoprSTigo s,zamozzog pug `puaucnzasui Spun33s sign zapun swap pug Spzado1d aga uT Isazalu! s,zapua-i aggp a1nssr op azmbaz ,Slgguosuaz Sguc zapuari sr uoraoW lions sa)lea (p) pug `auaurn1isui S;Tmoas sup zapun wig!' pug Aazado1d aga ur psazaauT s,zapua-i Supoaaozd jo asodznd aga zo3 paunoui saa3 zagao pui `saa3 uotprnlrA puu uoiaoadsur Spzadozd `saa3 &Couzo it algguosraz `oa pap!w!l aou anq `Suipnloui `puaamzpsui AaTznoas sup SurozoJua uT paunou! sasuadxa lie sSWd (o) :spuauraazSW zo spueuanoo zagao dug jo pinujap Sur samo (q) :pauno o pint uourzaiaoor ou 3T sr aaosi agp pug puaumrisul Saunas sign zapun anp aq pinom uagp Ironnm sums lig zapuo- sArd (e) :zamozzog agga PIE suoiaipuoo asoIr,i, •auaunuasui Spcznoas sign Surozojua auaucSpnf g jo Sim (TTT) JO `.aagpSUTaz oa UPI' s,zamozzog 3o uoraruIUirap agp zo3 S3roads maim mgrs aiggoiiddy su pouad zagao Irons (TT) :ivaunuisui Silinoas sup uT paun Woo airs jo zamod Sur op puensznd Spzadozd agp jo ales azojaq sSep anti (T) :jo psaiizea agp op zoud aura Sur aW panupuoosip auaumzasul Saunas sup JO p1Iaurao1OJua PAWL op pgS!1 agp PAWL [MS zamozzog `suopcpuoo uTgpzao Maur zamozzog 3i •uolpgaalaaaV aap.3y a;g;sulag o; I14211I Ma/410110g •6I •zamozzog uo purmap zo aorpou zagpzn3 pnoolm auaumzasui Aaunoas step Sq paaaiuuad saipauraz Sur a3ionut Arm zapual `pouad sign 3o uorpuzidxa aga op zoud sums asaga SWd op siiu3 zamozzog 3i •puaumzasui S;Tznoas sign Sq paznoas sums Br Sud ;sum zamozzog goTIrm uTrlarm Si uoTpoas IPTm aougpz000r uT uaATS sT aotaou aqa aaup arlp uroz3 sSup p£ uggp ssai loll JO pouad u apTno1d HMIs Popou aUJ •uopezaiaooW 3o aopou 13mouog PATS Begs zapua-i `cloud° sup sasTozaxa zapuaj 3I mgi irJapa3 Aq paiiqujozd sT asTOZaxa gaps 3T zapua -i Sq pasiazaxa aq you hugs uopdo srai `zanamoil •puauuu sui Apunoas sup Sq paznoas sums IP JO iln3 uT auauTArd a1WipaufUT azmbaz Amu zapuaj `puasuoo uapp!zm zoud s,zapual pnorpTm (pazujsurup 10 Nos sT zamozzog uT asazaauT irIor a pue uoszad puma e iou sr zamozzog 3T zo) pa1zaJsug1a zo Nos si filmdozd alp TIT psa1apui SUE JO Aazadozd NI JO azrd Suv, zo itg 3I •zasugaznd g op amp aznan3 g ag zamozzog Sq alaTa 3o zajsugza aqa sT LOTIrM 3o maim aga `auauraazgr MOJOSP JO pOWZauoo sales puauzllgasuT `paap zo3 pogzpuoo `poop zo3 puoq W uT pauajsuiu sisazapuj IuTogauaq asoLa `op pa3PUTi aou anq `SurpnlouT `Sp1adozd alp ui asazaaui iucorpauaq zo pWSai Sur small' „Spzadozd alp uT asazaaul„ `gl uoTpoas sup ut pasn sy •aamoaaog ur lsaaaluI IgTalUauag g ao Slradoad aq; 3o aaJsugay .si 699689L000:aequlnN ueoi Loan Number: 0 007689664 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer(s) and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (1) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (2) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (3) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law and (4) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (1) that is in violation of any Environmental Law, (2) which creates an Environmental Condition or (3) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (1) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge; (2) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (3) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. WYOMING Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Inkial Initial onn 3051 a/99 (page 13 of 15 pages) MWY13CV AO4IAMW (se6ed gl !o bL e59d) 66/C I906 uwo le!Uul g MIA oo /E Ti 1N3Wntl1SNI WtlOAINf OIW NPPut/seri quus4 4Ilwed el 1799689L000 us01 •ms-j ajgsoijddd iapun pa;;iuuad si aaj alp jo &ui2iego am pus paaapuai saorAuas 103 ,ipsd piup s of pred si aaj arp 3i Apo mg `;uaunu suj A;unoas sup 2uiseajai 103 aaj s 1amo11og amp Arm Japua- •s;soo uoi;mplooal /Cur ,Csd Ilsgs Jamollog •;uaumlisui Allmon sup amp' putts Japua- `Iuaunuisui Aiunoas sin Sq pa.moas sums its jo ivaurAsd uodn •asuaiag •£Z ;l o; pal ;r ;ua ,fiimBai suosaad ao uosaad ay; o; ssaaxa ,fum (a) pun ';uawna ;suI k ;lamas sly; £q paanaas scans iIn o; (q) '.saaj ,sLauao; ;n algnuoseaa 'o; pa ;iwil ;ou ;rig '2ulpnlaul 'alas ay; jo sasuadxa iin o; (u) :aapao gulmollo3 ay; ul pagddm aq hugs alms ay; jo spaaaoad aq j •alms ,Cum ;g d;.radoad ay; asuyaand nu aauillsap s ;i ao aapuai •met algmaliddv ,fq paglaasaad aauumw ay; ul Nos aq Hugs ,f;aadoad ay; pug 'alms 3o aal;ou ay; gslignd Heys aapua-I •Sj uolpas ul paplAoad aauumw ay; uI aamoaaog o; alas ay; jo aal ;ou aAig hugs aapual •mir aigmanddv ggAt aauupaoaam ul ';uaaajj p 3i 'L;aadoad ay; jo uo!ssassod u! uosaad ay; o; pug aamoaaog 0; asopaao3 0; ;ua;ul 3o aal;ou aelg hugs aapua' 'aims jo aannod ay; salami! aapua' 3I •aauaplea al ;l; 3o 51S03 pug saaj ,s.fauao; ;u aigmuosmaa 'o; pa ;Twll ;ou ;nq 'Bulpnpui 'ZZ uol ;oas sly; ul paplAoad salpawaa ay; ;Iulnsand ul paaanaul sasuadxa pg palloa o; pal ;I ;ua aq Mugs aapual •m ri alquanddv fq pa ;iwaad salpawaa aay ;o ,fun pug ales jo aamod ay; aqoeul ,fnw pug punwap aay 113 ;noy ;itt ;uawna ;sui ,f;ianaas sly; kg paanaas suns Hu jo Iin3 ul ;uaw,fgd a ;ulpawwl aambaa fgw uoi ;do s ;l ;n aapuaq 'aal;ou ay; ul pagpads a ;gp ay; aaojaq ao uo paana ;ou sl ;Inmjap ay; 3I •aigs pug uol;maaiaaag o; aamoaaog 3o asuajap aay ;o ,fum JO ;inmjap u jo aaua ;spa -uou ay; ;aassu o; uol ;am ;into m Nulaq o; ;1141 ay; puu uol;gaaiaaan aaIJ a ;n;sulaa o; ;Op ay; 3o aamoaaog waojui aagjin3 iimys aal ;ou ayy •,f;aadoad ay; jo aims pug ;uauna;sui imams sly; &q paanaas sums ay; jo uol;maaiaoom u! ;Insaa ,£gw aol;ou ay; ul paUiads app ay; aaojaq ao uo ;inujap ay; aam o; aanilm3 ;my; (p) pum :pomp aq ;sum ;inujap ay; galym ,fq 'aamoaaog o; uael2 sl aal;ou ay; app ay; woaj s,fmp OE trey; ssai wit 'a ;mpg (a) :;inujap ay; aam o; paambaa uol ;an ay; (q) :;inmjap ay; (g) :,f31ads Mugs aapou ayy •(aslmaay ;o saplAoad mgZ aiqualiddv ssalun gj uolpas aapun uol ;maaiaaau o; aolad ;ou ;nq) ;uawna ;sui ,f ;lamas sly; ul ;uawaaaau ao ;umuaeoa ,fug jo yauaaq s 2upuolloj uol;uaaiaaan o; aolad aamoaaog o; aal;ou aAl$ (lugs aapua-; •salpawag :uol;uaalaaav ZZ smoiio3 ss aa13r, pug ;usuaeo° 13181113 JapuaZ pug iamouog •S.LNVNHAOO INRIOdINf1 NON 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. DONALD J KUNDINGER STATE OF WYOMING COUNTY OF LINCOLN On the i ll day of D4/ r A.D. 1 personally appeared before me DONALD J KUNDINGER and PAMELA M KUNDINGER the signer(s) of the above instrument, who duly acknowledged to me that he /she /they executed the same. ®w a-Ao Kerry Millich Notary Public County of State State of Lincoln Wyoming My Commission Expires a-12-1403 My commission expi Loan Number: 0007689664 ss: iJ WYOMING-Single Famity-- Fannie Mss /Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Notary rublic fesidir?g at: [Space Below Thls Line for Acknowledgment] (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower f 1 J dItJtO 414•10 kyry Initials Initials 45( orm 3051 3/99 (page 15 of 15 pages) MWY15CV SCHEDULE C 0 J 1 7 7 45; Parcel 1 A tract of land lying in the NWUNE of Section 7, T32N R118W of the 6th P.M., Lincoln County, Wyoming more fully described as follows: BEGINNING at a point which is 75 feet West and 40 feet S 0 °05' E from the NE corner of the NWIEW of said Section 7 and proceeding thence S 0 °05' E, 165 feet; thence West, 264 feet; thence N 0 °05' W, 165 feet; thence East, 164 feet to the POINT OF BEGINNING. Parcel 2 The right of access across the following described land: A tract of land lying in the NWUNEW of Section 7, T32N R118W of the 6th P.M., Lincoln County, Wyoming being a parcel being sixty feet in width, with 30 feet on each side of,,the following described line: BEGINNING at a point being West, 75 feet; S 0 °05' E, 40 feet; West, 264 feet; S 0 °05' E, 30.00 feet from a brass cap monument marking the Northeast corner of the NW of said Section 7; thence running West, 23:78' feet; thence S 38 °19'16" W, 398.99 'feet; thence running S 87 13'44" W, 281.54 feet to an iron pipe set in the easterly terminus of the center line of an existing 66 foot wide easement from U.S. Highway 89. Parcel 3 The right of access as provided for in instrument recorded August 12, Clerk. 1980 in Book 167PR on page 302 of the records of the Lincoln County