HomeMy WebLinkAbout869179WHEN RECORDED MAIL TO: 8 6 9 1 7 9
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
DEF
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 t o be r 19 2000
together with all Riders to this document.
(B) "Borrower" is
VAL E HARRIS and DEBRA 0 HARRIS, 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 United States of America.
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 Seven Thousand and No /100 Dollars
(U.S. 107,000.00 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, 2030
(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.
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WYOMING Single Family- -Fenn a Mee/Freddie Mee UNIFORM INSTRUMENT Form 3051 3/99 (page 1 of 15 pages)
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of LINCOLN
[Name of Recording Jurisdiction]
SEE ATTACHED SCHEDULE C
Loan Number: 0050050129
WYOMINGSingle Family Fannie Maa/Freddia Mac UNIFORM INSTRUMENT
I.T. 3/00
hereby mortgage, grant and convey to Lender and Lender's success d assigns, with power
of sale, the following described property located in the COUN
which currently has the address of 78711 HIGHWAY 89
(Initials)
[Type of Recording Jurisdiction]
[Street]
SMOOT Wyoming 831 26 "Property Address
[City] [Zip]
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, 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.
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Form 3051 3/99 (page 3 of 15 pages)
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Loan Number: 0050050129
WYOMING Single Family-- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
(J 9 r?
46;
proceedings which in Lender's opinion operate to prevent the enforcement of the lien while
those proceedings are pending, but only until such proceedings are concluded; or (c) secures
from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this
Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain priority over this Security Instrument, Lender may give Borrower a notice
identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall
satisfy the lien or take one or more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one -time charge for a real estate tax verification
and /or reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter
erected on the Property insured against loss by fire, hazards included within the term "extended
coverage," and any other hazards including, but not limited to, earthquakes and floods, for
which Lender requires insurance. This insurance shall be maintained in the amounts, (including
deductible levels) and for the periods that Lender requires. What Lender requires pursuant to
the preceding sentences can change during the term of the Loan. The insurance carrier providing
the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's
choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in
connection with this Loan, either: (1) a one -time charge for flood zone determination,
certification and tracking services or (2) a one -time charge for flood zone determination and
certification services and subsequent charges each time remappings or similar changes occur
which reasonably might affect such determination or certification. Borrower shall also be
responsible for the payment of any fees imposed by the Federal Emergency Management Agency
in connection with the review of any flood zone determination resulting from an objection by
Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain
insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to
purchase any particular type or amount of coverage. Therefore, such coverage shall cover
Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the
contents of the Property, against any risk, hazard or liability and might provide greater or lesser
coverage than was previously in effect. Borrower acknowledges that the cost of the insurance
coverage so obtained might significantly exceed the cost of insurance that Borrower could have
obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of
Borrower secured by this Security Instrument These amounts shall bear interest at the Note rate
from the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to
Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall
name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to
hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to
Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of
insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the
Property, such policy shall include a standard mortgage clause and shall name Lender as
mortgagee and/or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender.
Lender may make proof of loss if not made promptly by Borrower. Unless Lender and
Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying
insurance was required by Lender, shall be applied to restoration or repair of the Property, if
Initials) (Initials)
Form 3051 3/99 (page 6 of 15 pages)
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*mad or 3ttar0i33ns (I) 311noure 11e ur spend Nor' p11e 3oappo0 `amp Aug 3g 'Amu zapuaZ
uor30aS snl3 Japun pazrnbaz uagp an? imp `s3unotue irons 11r pug `spend plg zapua-I o3 iii d
Hugs zamozzog `uorpe0onaz Irons uodn `pug Sir uo �3 l3rm aougpz000e ul uanr3 aopou a Aci amp
Aug 3g small mama Ape Jo Aug o3 se ranrem ag3 apnaz Amu zapuaZ 3unoure Irons Aug zapuaZ o3
Agda1 or 6 uor30aS zapun pa3gifggo aq 11a13 plugs zamozzog pug Iunoure Irons Agd pug 6 worms
zapun s1 sir asr0zaxa SEM zapuaZ `mail mozosa 11g zo3 anp 3unomg alp I1?d or slre3 Jam0zz011
pug `zanrum g o3 puensmd `Aptrant) swan mozosa Agd or patg8rigo sr zamozzog n •6 uorp0aS ur
pasn sr „puatuaadn pug 3Ueuano0„ asnrrfd alp se `3uaumz3sul A3un0aS sltlp ur paure3uo0 puawaaJB1
pug luguano0 a aq op pawaap aq sasodrnd IIg zo3 Timis sldraoaz aprnord or pug s311aurAnd dons
alum of uopgffirgo s,ram01J0g •armbaz view zapuaZ sg pouad au113 irons unarm 3uatuArd lions
8ur0uaprna s3dra001 zapuaZ or nS1Lizn3 pings `sarrnbar zapuaZ 31 `pug zapuaZ Aq panrem uaaq sag
spund jo puaruked rionvA Jo3 small moJOSa Ifue zo3 anp s3unoure anp `apgehd azalm pug uarfm
'Smarm /Cud ppetls Jamozzog `zanrem ions jo 'Juana ail ul •211r3um ur aq Aluo view Janrgm Irons
Loan Number: 0050050129
If 1 F
WYOMING-Single Family- -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
InRlals)
46
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with
Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or
statements to Lender (or failed to provide Lender with material information) in connection with
the Loan. Material representations include, but are not limited to, representations concerning
Borrower's occupancy of the Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.
If (1) Borrower fails to perform the covenants and agreements contained in this Security
Instrument, (2) there is a legal proceeding that might significantly affect Lender's interest in the
Property and /or rights under this Security Instrument (such as a proceeding in bankruptcy,
probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over
this Security Instrument or to enforce laws or regulations), or (3) Borrower has abandoned the
Property, then Lender may do and pay for whatever is reasonable or appropriate to protect
Lender's interest in the Property and rights under this Security Instrument, including protecting
and /or assessing the value of the Property, and securing and/or repairing the Property. Lender's
actions can include, but are not limited to, (1) paying any sums secured by a lien which has
priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable
attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument,
including its secured position in a bankruptcy proceeding Securing the Property includes, but is
not limited to, entering the Property to make repairs, change locks, replace or board up doors
and windows, drain water from pipes, eliminate building or other code violations or dangerous
conditions, and have utilities turned on or off. Although Lender may take action under this
Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is
agreed that Lender incurs no liability for not taking any or all actions authorized under this
Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of
Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate
from the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.
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.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making
the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in
effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be
available from the mortgage insurer that previously provided such insurance and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance,
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
selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,
Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain
these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve
shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and
Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.
Form 3051 3/99 (page 8 of 15 pages)
MY/TO/ICY
AOLOAMIN
(se5ed 9L {o 95ed) 66/C ►soe uuOA
(s[B180
•asneo aigeuosea1 'ions Sur,ijroads
uopoadsur Joua;ur ue lions o; Joud zo 3o amp am aopou Jamozzog anr2 Huffs zapua-i
•,i;sadozd am uo sluamanozdmr am 3o Joua ;ur a'i3 SOadsu! ,Sou Jopua `asneo aiquuoseaz sup
n •A;sadozd am jo suoiloadsur puu uodn sauiva aigeaoseaz axruc Arm Iuagu slr Jo zapua-i
•uoiauzolsaz Jo sredat 'ions jo uorlaiduoo
aril Jo; uope8rigo s,1amoJ1og JO panaiiaz mu sr zamoJZOg `Slzadozd aril azo;saz Jo JredOJ o;
luarogjns lou an spaaoozd uopuumapuoo Jo aouunsut aril 3i •palaidmoo sr JizoM am su sluam,iud
ssaaozd jo sus a ur Jo IuamAed aiRurs a UT uopezo;sai pue spTedal aril zoj spaaoozd aszngsrp
Diem Japua-i •sasodznd 'ions zoj spaaoozd paseaiaz zapua -i A3zadozd aril 2uuolsaJ
zo &UuredaJ Jo; aigrsuodsaz aq puffs zamozzog `,ilzadozd aril ;o 5upm am zo `oI aRuurep
norm uopOauuoo ur mud azu spaaoozd uopEuuapuo, Jo aouuznsur 3I •agemep Jo uopuzoualap
Ja'pznl prone of pa3eunp 31 Alzadozd am Jr Spdmozd pups zamozzog `aigTsea3 AIieormouooa
mu sr uopezolsa1 JO "redo' le'iI S uoTloas O; ;uensznd pauruualap sT 1r ssaiun •uorlrpuoo
s3T of anp anion ur RUrseaJOap Jo 3upezoTza;ap map ii;zadozd aril Iuanazd 03 zaplo ur ,i3Jadozd
aq3 un urem pegs Jamoszog `ii3zadozd a'i3 ur rarprsaz Si JOMOJJ0g 3011 z0 Ja'pa'iDA X3Jado1d gip
uo 03s1M ITmmoo JO alesoua;ap o3 Suado1d am mope q3zadosd am JTedmT 50 aRemep `,iousap
3011 pups zamossog •suonoadsuI :kpadoad a" jo uo ;aa ;oaa pue aoueua;uieyti 'uoi ;eeaasaaa •L
•ioz)uoo s,zamozzog puoiCaq an riorgM Isrxa saoue3sunoiio 3urlunualxa ssaian J0 `pia'iq;rM
Aigeuoseaiun aq ;ou pups luasuoo 'iolgM `3uppm UT may asrmJa1po Japua-i ssaiun `Aouudn000
jo alep am Ja ;fie ii auo veal Se zoj aouaprsas iedTouud s,J MOJJOH se A3zadozd am ,idn000
o; anuT uoo putts pue 3uamtu3suI dirmoas snp jo uopnoaxa atp Jaw &fup Alxrs uuprM aouaprsaz
iedrouud s,Jamozzog se duadozd a'iI asn pue `'isrigelsa `Adn000 putts z •.f3uednaa0 •9
•anp ua'i3 mu Jo zarpa1JM `3uaUmr3sUi ii;unOas slip Jo a3oN am Japan predun slunoure
/fed o3 Jo Apathy a'iI azolsa' zo Jrudai o3 Jaq spaaoozd aoueznsur a'p asn Dieu zapua-i
•,ilzado1d aril jo a2esanoo alp o; aigeoiidde azu slp2p lions se zejosur `A3zadosd alp 2uuanoo
saroriod aoueznsur iiu spun (lamollop 6q prud smnurazd pauzeaun jo punjaz Sue 01 3 0r1 alp
uum Ja'iIo) sIg2u s,zamozzog 3o Jag3o ,iue (z) pue `Iuamtulsul Alunoas slip JO a3oN alp Japan
predun s3unome alp paaoxa 01 3011 lunome uu ur spaaoozd aOUeznsur Niue of s; 'i2U s,1amozzog (i)
Japaa -j OI su2Tsse Agasaq JOMOZZOg `asrMJa'i;O Jo zZ uopoas Japan iilzadozd a'iI saJrnboe Japuaj
Jr Jo `;liana Jaupra ui 110nr3 sr 0OT30U 0113 UariM ui$aq HIIM pouad 6ep -o£ a'i,i, •mrep alp aplas pue
alui3o2au dem Japuaj ua'i3 `urEJO a ap ;as o3 paza33o sup 1aUJRO aOUeznsur aril Imp zapua-i uolj
aOj3ou a o3 sAep of up rM puodsaz Sou saop zamoJJOg 3i •sJa33em pa3eiaz pure mrep aOUeJnsuI
aigeirene Aue alms puu a;er303au 'aitj feu Japaa-i `A3JadoJd aup suopuege Jamossog 3I
•z uor oas ur zoj paprnozd Japzo aup ur pagdde aq peps spaaoozd aOUe1nsur lions •zaMOJJOH
03 pled 'Aug Jr `ssaOxa aq3 rppm `anp uarp 3011 J0 Ja'pa'im `3Uamtulsui Alunoas spp palnOas
sums alp 0; paiidde aq pups spaaoozd aouemsuT a'i1 `pauassai aq mom ,i3Tznoas s,zapua-i z0
aigiseaj Aiiuommouooa mu sr zredaz 50 uopezolsaJ aril 3I 'zamozzog jo uopapgo aios aup aq peps
puu spaaoozd aouemsuT am jo Ino mud aq 3011 huffs Jamozzog Aq paunelaJ 'sawn! pup Ja'po Jo
`szalsnfpe orignd Joj saad °spaaoozd 'ions uo suaruJea zo Isazalu! Niue zaMOJJOg Aed 01 paJrnbaz
aq 3011 pups Japing `spaaoozd aouemsuT pons 110 pTed aq 0; Isaza3m sannbaz M -i aigeoTIddd
JO 2ur3TIM UT apem sI ;uamaaae lie ssaiun •pa;aidmoo sT ))JOM alp se s3uamsied ssas$ozd jo
sarzas a ur zo 3uamAud agurs a uT uopezolsa1 pue ssnedaz a'p zoj spaaoozd asmgsrp Dieu Japual
•Apdmozd umieuapun aq peps uopoadsur lions ;e'p paprnozd `uoT3oe ;sees s,Japua-i 03 palaiduroo
uaaq sup )1Om alp aznsua o; A;Jadozd 'ions 3Oadsur 0I ii3mn3Joddo lie pea sera Japua 'pun
spaaoozd aoueznsur 'ions plop 03 WTI atp anep hogs zapuaj `porzad uop1UO3saz pue Jredaz 'ions
Surma •pauassai mu sr Airmoas s,zapua7 p11e aigrsea3 AIieopuouooa sT JTedaz Jo uoT3ezo3saz am
(s1elcu1
30
00 /1 '1'1
1N3Wnr11SN1 WNOdINf 3I16 yppag/.vvI eIuuol-- Aped e1
6n0500500:JagwnN ueo
Loan Number: 0050050129
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
ON L:9173 46
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 Miscellaneous Proceeds either to restoration
or repair of the Property or to the sums secured by this Security Instrument, whether or not
then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds
or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun
that, in Lender's judgment, could result in forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument
Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in
Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's
judgment, precludes forfeiture of the Property or other material impairment of Lender's interest
in the Property or rights under this Security Instrument. The proceeds of any award or claim for
damages that are attributable to the impairment of Lender's interest in the Property are hereby
assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall
be applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted
by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the
liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to
commence proceedings against any Successor in Interest of Borrower or to refuse to extend time
for payment or otherwise modify amortization of the sums secured by this Security Instrument
by reason of any demand made by the original Borrower or any Successors in Interest of
Borrower. Any forbearance by Lender in exercising any right or remedy including, without
limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest
of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude
the exercise of any right or remedy.
13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower
covenants and agrees that Borrower's obligations and liability shall be joint and several.
However, any Borrower who co -signs this Security Instrument but does not execute the Note (a
"co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the
co- signer's interest in the Property under the terms of this Security Instrument; (b) is not
personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that
Lender and any other Borrower can agree to extend, modify, forbear or make any
accommodations with regard to the terms of this Security Instrument or the Note without the
co- signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender,
shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall
not be released from Borrower's obligations and liability under this Security Instrument unless
Lender agrees to such release in writing. The covenants and agreements of this Security
Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of
Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection
with Borrower's default, for the purpose of protecting Lender's interest in the Property and
rights under this Security Instrument, including, but not limited to, attorneys fees, property
Initials Initials
orm 3051 3/99 (page 10 of 15 pages)
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rurgio a aillas of pugmu um a)imur os sza33o (aouasuas sxau airs ur paugap se) Aized &rsodd() alp
sum uamozuog 0i zapua-I aorsou za1J1 `3r JO `zamozzog Aq pauopuege sr iiizadozd asp jr
•anp uags aue sums aqs sou z
zatpffm suaumulsui iisunoas srgl Aq paunoas sums asp os pariddm ag iimrrs spaaooud snoauegiaosi
alp `$urlum ur gauge agrmuatso sapual pug uamonog ss p n `amen ur ssoi z0 `U011onilsap
`ffurntes Terlumd ail azojaq Atasmrpgunur pamoas sums asp jo sunoure asp uem ssaj gr amen
ur ssoi uo `uorionzisap Turps Kurd alp azojaq ATawrpaunur Aszadozd asp 3o amen sasizeuz zre3
aril gorgm ur ifsuadoud aril 3o amen ur ssoi JO `uoriorulsap 'Bums Fund u jo liana aril III
•samozzog 01 Ned aq hugs aourrigq Iiud anion ur ssoj uo
`uorlonulsap `Bums Tuned am auojaq Apasirpaunur dizadozd Errs jo anJmn aqi (q) ,i
paprnrp an 11r SSOI 10 `uorionulsap `2uprEs turizgd affil azojaq Aram pamoas sums alp jo
lunoure tulos ail (g) :uopoez3 2urmorro3 asp Cq pagdrsinur spaaooud snoaumitaosrysi ail jo sunoure
airs Aq paanpau aq begs luaurnussur Asrmoas sup ,iq pamoas sums a'l `2upum ur aau3g asrmuarrso
uapuaJ puu zamozzog ssorun `amen 11r ssoi uo `uorlorulsap Tunilii rersued a p auojaq Iitasurpaunur
luaumzisur Iisrznoas srgs ,iq pamoas sums affil 3o sunoure ail mill ualeau5 uo of punba sr anion
ur ssoi uo `uononulsap TuprEs Tidied asp aro ;aq Alalgrpaurug ,ilzadozd girl 3o anion minus zre3
asp Irorgm 11r Aluadoud aIr1 3o anion ur SSG' JO `uoponussap 'Rupims repzmd a 30 liana aql ui
•zamozzog of mud `Aue 3r `ssaaxa all girm `anp uuffs 1011 JO za
`luamrussui 1iirunoas sn1l Aq paunaas sums asp os paridde aq ins spaaooud snoaumitaosq
asp `,ilzadozd ail JO amen ur SSOJ JO `uorsonussap `gums ielol a 3 liana arrl ui
Z 110rsoas 11r JOJ paprnoud uapuo axis ur pariddg aq bugs
spaaoozd snoaurrraosryg irons •uamouzog os prod `Aue 3r `ssaoxa girl glrm `anp uags 1011 JO =flown
`luaumussui £linos pamoas sums ail 03 pariddu aq Timis spaaoozd snoauegiaosi j, asp
`pauassai aq mom Allmon s so aigisea3 Arruorurouooa sou sr urmdaz uo uopuuossau ail 3I
•spaaooud snoauetiaosm Irons uo sffurizga uo Isamu! Aug zamouzog Aud of pairnbaz aq sou hugs
zapua-T `spaaooud snoauetiaosm Irons uo pred aq of Isazalur sazrnbaz me-T ajgeoriddy x0 Rurlum
ur opus! sr luauraaz2e um ssaTu f1 •pasaidsuoo ST doom asp srr ssuasuAud ssaaozd 3O SZIJOS m ur z0
luaurasungsrp agurs g ur uorluzossaz purr szredau alp zo3 iimd Amur zapua-I •Aplduroud uavluapun aq
iimrrs uorsoadsur Irons svgs papinoid `uorsoujsrims s,uapua- 01 pasaiduzoo uaaq Siff ziuom alp aznsua
os Sivadozd Irons soadsar os Alurnuoddo ue purr guff zapuaj Trion spaaoozd snoaugitaosm irons
pioq of sIrarz agi anmq huffs uapua-i `pouad uorsrzossau pug uredaz irons 811rmQ •pauassai sou sr
Asunoas s,uapua-i p11g aigrsua3 ATieorruouooa sr iredaz JO uorsmuossaz agi 3r `,iluadoud offs jo uredaz
JO 110I1e101SM of pariddu aq Burrs spaaoozd snoaugiiaosTJAI Irons `pa2iim p sr tisuadozd 'gam jr
•iapuaj os pred aq Bugs purr of paugrsse
,igazag ale spaaooud snoaumitaosm Iry •aaniraJao3 :spaaaoad snoauetiaosm 3o suaumBps' •ii
•a1oN airs ur paprnozd aimu
asp se ssazasur Amd of uopMMrigo s,uamozuog ssoa33e OI stomas srgs ur UUrgsoN mu-r aTquoriddy
paumbau sr uorsgurmual irsun uo uorsguruual tons uo3 3urprnozd zapuari puu zamouuog
uaamsaq urauraaz3e uassum Aug gsrm aoumpzooam ur spua aouemsuj a8e.TszoN zo3 suauraumbau
mapua7 offs Hum `anuasaz ssoi aiqupunjau -uou rr pod of ID `saa33a ur aoumunsul aSBRSzoyi
urmlureuz 01 paimbaz sumrtraud alp pied rim uamoizog `aoueznsui a8e8suoyQ zo3 sumrurazd ail
pzemol s3Uauthd palua8rsap Aiaseugdas azirrru of paumbaz sum zamozzog pug umo'J ail Buuimus
3O uorlrpuoa E sm aaurrunsur a3g2ssow pazmbaz zapuaJ jr •aouuunsuj a2E2 uow zo3 sumrurazd airs
pzmmoi s1uaurigd paseuRrsap Lipaimuedas sazmbaz uapual pug `pauresgo sr `aiquTrgnu saurooaq urine
uapual Aq paioaras zaunsur ue paprnozd (saumbau uapua' sum poruad alp zo3 purr lunoum
aqs ur) a2uuanoa aouiunsur 112E uojAT jr ssuauriud anzasaz SSOI gimbal sauoi ou urn zapua-T
inspection and valuation fees. In regard to any other fees, the absence of express authority in
this Security Instrument to charge a specific fee to Borrower shall not be construed as a
prohibition on the charging of such fee. Lender may not charge fees that are expressly
prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally
interpreted so that the interest or other loan charges collected or to be collected in connection
with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by
the amount necessary to reduce the charge to the permitted limit; and (b) any sums already
collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender
may choose to make this refund by reducing the principal owed under the Note or by making a
direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a
partial prepayment without any prepayment charge (whether or not a prepayment charge is
provided for under the Note). Borrower's acceptance of any such refund made by direct
payment to Borrower will constitute a waiver of any right of action Borrower might have arising
out of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security
Instrument must be in writing. Any notice to Borrower in connection with this Security
Instrument shall be deemed to have been given to Borrower when mailed by first class mail or
when actually delivered to Borrower's notice address if sent by other means. Notice to any one
Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires
otherwise. The notice address shall be the Property Address unless Borrower has designated a
substitute notice address by notice to Lender. Borrower shall promptly notify Lender of
Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change
of address, then Borrower shall only report a change of address through that specified
procedure. There may be only one designated notice address under this Security Instrument at
any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class
mail to Lender's address stated herein unless Lender has designated another address by notice to
Borrower. Any notice in connection with this Security Instrument shall not be deemed to have
been given to Lender until actually received by Lender. If any notice required by this Security
Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy
the corresponding requirement under this Security Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All
rights and obligations contained in this Security Instrument are subject to any requirements and
limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to
agree by contract or it might be silent, but such silence shall not be construed as a prohibition
against agreement by contract. In the event that any provision or clause of this Security
Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other
provisions of this Security Instrument or the Note which can be given effect without the
conflicting provision.
As used in this Security Instrument: (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: 0050050129
WYOMIN(iSingle Family-- FannIe Mao/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
(Initials)
Initials)
46
Form 3051 3/99 (page 11 of 15 pages)
MWY11CV
AOSIAMIN
(se5ed gt jo et abed) 66/c ►soc uuo
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00/6 '1'I
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6ZLOB00900 :iequnN ueol
VdSff I uopeuuO3ur zaglo /Cur pur apru aq pings swam/Cud goilM of ssazppr alt `zaotnzas
uuo-i mail aria JO ssazppr pile aureu aria alms iiim riotcim a2unto aria JO aOpou ualauM uamT`d
aq iiiM zamozzog `za0TnzaS uro'i aria o a &uugO a sT wain 3I 'mots' aria o airs r o1 paariazun
zaoinzas uuai alp jo sa8ungo azoiu zo auo ag aliBiuz osir gimpy Mr 1 aigrogddd pile `auaunuasui
Atiznoas sup `aloN alp zapun suoprBiigo 8utotnzas uroi aRrSlzom zaglo suuo;zad pile auaiunzasui
AlunoaS slip pun atoN alp zapun anp sluauard °Tpoua sioauoo arm Ciao -was uro-„
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sawn azou io auo pios aq ui o (tuaumztsui Dili noas sign Timm zaTpaBol) glow all ui Isazalu!
mired r 10 01ON ails •aaurnapa9 o aOpoN :aaapeaas ueo•i JO aguega fainK 3o apes •OZ
g J uo!Oas zapun uoprzaia00r JO ONO gip III
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ureuaz hugs Agazag paznoas suope3iigo pile auaumzasui Anunoas slip `zamozzog Aq luamatutsuraz
uodn •zapsurzi, spund otuozloaig (p) zo Sipua zo 'atirluauunzlsut `AouaBr imam a Aq paznsui
air s3Tsodap asorJM u0pnlpsu1 ur uodn uMezp sT Aoago gons Niue paranoid `Aoario s,zaigsiro JO
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sums alp gird Oa uopuStigo s,zamozzog pue `augumztsui Animas sign zapun sl18u per Aliadozd
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5UTOZO3ua tuaiugpnf r JO AIM zo `.aartsuTaz Ol 11151z s,zamozzog 3O uoia1uiuuaa aqt zo3 'Anoads
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zamod Aug of Iuunsznd Aizadozd alt o airs azojaq s,frp an1,i (t) :jo asaTizra alp of loud amp Sur
Tr panupuoostp luaumzasui A1TZngas sup ;o tuauaozoJua anrg 01 Clap aril anrg Hugs zaMOLTOf
`suoTlipuoo uirtzaO date zaMOJJOg 31 •uop;eaapaaaV aal3V ale4supa21 03 lgBpg s,aaMOaaog •61
•1amo1zog uo pururap
zo a0pou zarpzn3 tnolt!M tuaumztsui A1TznOas sup Sq patltuuad saipauuu Aug a)f0nu! ,arm
zapua-i pouad slip o uop1ztdxa alt oa loud sums asap bud 01 sire; zamouog Jj •luamiutsui
,ilunoas sup Aq paznoas sums nu ,ird asnu zaMOZZOg gOtgM ut1ITM SI uopOas llTM aouepJOOD1
uT uant2 sT a)pou alt am) all uO4 scup p£ urga ssal aou JO poTzad r apTnozd Imp a0Tlou
ari i •uopezaiao0r JO a0pou zaMOZZOH 0AT2 Bugs zapua'i `i mad& sup sas!OZaxa zapua7 3I
Mri Iezapa3 Aq palTgtgozd sT asTOZaxa Ions 3T.
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inq `8uipniouT `Alzadozd alt ur lsazalut p1 ogauaq JO 1E80T ,iTE suuaur „Atzadozd agt u! tsazalui„
`81 uoPOas slip tut pasn sy •aamouaog up lsaaalui plIOJauag a 10 &laadoad alp jo aaJsue.J, •9J
Loan Number: 0050050129
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
47 1
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.
Initials)
Initials)
orm 3051 3/99 (page 13 of 15 pages)
MWY13CV
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Cued RIR a o; ppd si aa3 atp 3T Xluo 4nq luagatuisui Alpznoas sup 2utseaiaz zo3 aa3 a Jamozzog
aazego iCeum zapual •sisoo uorpepzooaz Aug fed netts zamozzog ;uawtu sul Alpnoag sup amp.'
Hugs zapuarl ;uaumzasul Mgnoas site paznoas sums lie jo luauaed uodn astaia2I £z
•;I o; pai ;I ;ua SIliSal suosaad Jo uosaad ay; o; ssaaxa Auu (a) puu f ;uawna;sui
,f ;imaas spy; Aq paanaas suns Hu o; (q) fsaa3 ,s/fauao ;e algeuosuaa 'o3 pawl!! ;ou ;nq 'Suppnpup
'ales aq; jo sasuadxa lie o; (e) :aapao 2upmoIo3 aq; up paHdde aq Hugs aies ay; jo spaaaoad
ayZ -ales ,fuu 3e S;aadoad ay; asegaand ,few aauSpsap s ;p ao aapuaq •mei ammoddy fq pagpaasaad
aauuuw ay; up plos aq hugs ipadoad ay; puu 'alas jo aap ;ou ay; ysognd Hugs aapua-I •Sj uop ;aas
up pappeoad aauuuw ay; up aansoaaog o; is ay; jo aap3ou anp$ hugs aapua-I •meq alquapiddv
tops aauepaoaae up ;uaaa33lp 3i 'Spadoad ay; jo uolssassod up uosaad ay; o; puu aamoaaog
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'aop ;ou aq; up pajpads a ;ep ay; aaopaq ao uo paana 3ou sp 3ine3ap ay; 3I •ales puu uofuaaiaaae
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u! 31nsaa ,few aap ;ou aq; up pap31ads a ;up aq; aaojaq Jo uo 31nejap ay; aana o; amine ;ey;
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uop ;eaaiaaae o; aopad Jamoaaog o; aal ;ou aAi8 Heys aapua' •salpawag fuol3saalaaav •zz
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SCHEDULE C
Part of the NW of Section 31, T31N R118W of the 6th P.M., Lincoln
County, Wyoming, being more particularly described as follows:
Beginning at a point S 0 °36'.02" E, 296.86 feet from the BLM type
monument found marking the North Quarter Corner of said Section 31, and
running thence S 89 °40'41" E, 305.16 feet to a point on a spiral in the
west right of way line of Highway 89;
thence southerly along last said spiral, a chord of said spiral
bearing S 6 °06'10" E, 45.74 feet to a Highway monument marking
the beginning of a circular curve having a radius of 1984.859
feet;
thence running along last said curve through a central angle of
8 °31'51" an arc distance of 295.5279 feet;
thence running S 89 °07'37" W, 144.07 feet to the centerline of the
Old Road from Smoot to Afton;
thence N 38 °21'00" W, along said centerline 359.15 feet;
thence N 0 °36'02" W, 53.92 feet to the point of beginning.
47