HomeMy WebLinkAbout869210WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
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 October 19, 2000
together with all Riders to this document.
(B) "Borrower" is
DARIN F DAY, a married man
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 Eight Thousand, Seven Hundred Seventy -Five and Dollars
No/ 10 kS: t0a T T5 700 -r-pitTrinceresr.- stardwer Tag ]ft'bgto ta pay" thts aPi3t ifragnrar
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.
I.T. 3/00
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11
Space Above This Line For Recording Data
I
MORTGAGE
869210
1 RECEIVED
I N C L N 1, 1 r Y
00 OCT 23 Pd 2 1 2
KEPI "iVi YOMING
BOOK Y PR PAGE___. S
Inttials
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hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power
of sale, the following described property located in the COUNTY
of LINCOLN [Type of Recording Jurisdiction]
[Name of Recording Jurisdiction]
SEE ATTACHED SCHEDULE C
which currently has the address of 1753 GROVER NARROWS ROAD
[Street]
GROVER
Wyoming 83122 "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.
Loan Number: 0050050871
WYOMINQSingle Fam1y-- Fannie Mao/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
5 2'7
Form 3051 3/99 (page 3 of 15 pages)
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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
Loan Number: 0050050871
WYOMINOSIngle Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials) (Initials
52 9
Form 3051 3/99 (page 5 of 15 pages)
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saunas (o) 10 'papnpuoo 0x5 sgutpaaooid lions "pun 4x0 inq `5utpuad 015 sgu1paaooid asoip
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1.1.80SOOSOO-JagwnN U501
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.
Loan Number: 0050050871
WYOMING-Single Family- -Fannie Mee/Freddie Mae UNIFORM INSTRUMENT
I.T. 3/00
Initials Initials
531
Form 3051 3/99 (page 8 of 15 pages)
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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: 0050050871
WYOMING Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
I.T. 3/00
nftials Initials
533
orm 3051 3/99 (page 9 of 15 pages)
MWYO9CV
A001AM11
(se5ed g {o o aBed) 66/C LSOC IWO
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uoitoaUUOn tit paUUO3zad saopuas toj saaj zamozzog a2zugo ICuUT zapua-j •sa2angJ uuorj •bi
zapun,
jo su3rssu puu szossaoons atp tgauaq puu (pz uopoas uT papTnozd su tdaoxa) putq putts tuammrutsuj
phonons stgp Jo stuauraadu puu stulUanon ag •21144m III asuajaz 110115 01 SO0J5E zapuaJ
ssajtn tuaumztsuj ,C1TZnoas spp zapun ,tt puu suopu2Tjgo s,zamortog map pasuajaz aq tou
putts zamozzog •tuatunztsuj ,Claims stTja zapun spjauaq puu s,zamozzog Jo jju uiutgo pugs
`zapun -j panozddu sT puu: lupum ut auauTn-T1suj viii noas step zapun suoi1u2Tjgo s,zamozzog
samnssu ogm zamozzog jo tsazatuj uT zossaoons ituu `gj uopoas jo suoTsTnozd alt of martins
•tuasuoo s,zau2Ts -0o
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ituu atjucu JO zuagzoj `A31Poum 'puma 0t aazge 11u0 zamozzog Jagto /tuu puu zapua-j
Jugt saaau (0) puu :tuaunutsuj Xtunoas spp paznoas stuns alp itud 0a patugijgo ,tjjuuoszad
aou sT (q) :Juauunzisuj itipnnas sttp jo stunt tip zapun ittzadotd alt ut isazaup s,zauffis -on
alit ztanuoo puu fault' 'affunmtu of itjuo tuauunisuj infants sign RuivaTs -03 si (u) zau2is -oo„
u) a30N alit mono jou stop tng aua1UnztsUj i(tunoas sign suSTS -0o ogm zamozzog /WUu `zanamoH
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tno1pim Iuipnjoui XpatTaz JO 1112u AUU UUTSTozaxa ui zapun -j i(q aouuuagzoj Ituy •zamozzog
JO tsazatuj uT SJOSSao0ns Auu zo tam0ztog aputu punt ap /cur jo uosuaz �Cq
auaUUnztsuj itpanoas spp Aq pamoas sums alp jo uopuzpzouru /Wow asrmza1po JO tuatuitud zoj
aTUp puatxa of asnjaz 01 zo zamozzog jo tsazatuj uT zossaoons Niue tsu1dE s &uTpaaoozd aouaunuoo
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alp asuajaz 0t atuzado um putts zamozzog jo Isazatu! tut zossa0ons ,tWu JO zamozzog of zapun- �Cq
pajama ivaTUnztsuj i(gzn0as spit Aq patinas stuns alp Jo u0Ttezptomu jo uopungipour zo tuauptud
JOj amp alit Jo uorsuatxg •aan!UM a aoN aapuoi SEE aauTaeagao3 tpaseajag WN aantoaaog 'ZI
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zoj MTejO JO plume ituu JO spaaoozd atty •3uatuni suj Jt1Tmoas sup zapun siij a JO JCUadozd app ut
asazaauT s,zapua Jo 3tauutudTUT juuaauW zagto zo ztuadotd alp jo a1TuTajzoj sapnjoazd `tuammBpnf
s,zapua-j uT `t1Tjt guijnt a gtTm pass!TUSTp aq of Buppaaoozd zo u0pou alp $uisnuo Xq `61 uopoas
uT papTnozd se atutsupaz 'paun000 Sug Uopuzajaoou 3i `puu iinujap u lions azno too zamozzog
•tuatunz3suj 6tunoas spit zapun stg5u z0 ituadozd a1j1 ui asazaauT s,zapUa-j 3o tuauupeduq
juuatutu z01110 JO iCuad0Zd alit jo atnlTajzoj ut tins= !Two `tuatu pnf s,zapua-j up `31Tjl
un3aq sT `peupuruo zo !Tnio zaipagm 'uipaaoozd JO uopt0u Niue 3T tjnujap up aq putts zamozzog
•spaaoozd snoauejjaosTJAj of pzegaz up uopou Jo tg3iz u sett zamozzog Tuogm tsupuRe ituud alp JO
spaao0zd snoauujja0sm zamozzog samo tugt iCtzud Tulin alp Sueaur „/t)Jud gursoddp„ •anp uagt
aou zo zagaagm 'mammal! Ittunoas spp Aq pamoas sums alp 01 zo Iitzad0zd alp jo ziudaz JO
u0puzo2saz of zarpta spaaoozd snoauujjaosm alit ittdde puu toajjo0 0t pazuotpnu sp zapuaJ `Uan12
Si annul alp amp alt zatpu situp p£ upppsn zapuaJ 0a puodsaz 01 spuj zamozzog `saguuzep zoj
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 night 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: 0050050871
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials Initials
535
orm 3051 3/99 (page 11 of 15 pages)
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Xi THAN 1aAOZZOg `1aotn1as ueo1 am Jo agUego a sT nail; 31 •a30N am Jo ties a o3 pa3eiazun
zaotnzas ueo't am Jo saguegp azouu JO auo aq ;gams osie azagy Me'1 aigeogddy pue 'mamma'
A3unoas spp 'moi ag3 zapun suopegTTgo gu!OTnzas TENN a5'e53zotu 1ag3o stuzojzad pue ;uaumnsuj
IC;unoas TT; pue a3oN atp zapun anp sa11atuiCed oipouad sioaiioo ;eg3 „zaoinzas ueo-1„
am se umou)i) Swim am ui aguego a ut 3Tnsaz WTI ales y •zamozzog o; 0o11o11 zoud ;notpiM
samp atom JO auo Nos aq two (3uamnz ;sui A;pnoas sig; 'TM zatpa2o3) aloN alp ut 3sazaiut
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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.
Loan Number:0050050871
WYOMING-Single Family Fannie Maa/Freddle Mac UNIFORM INSTRUMENT
I.T. 3/00
nitials) (Initials
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orm 3051 3/99 (page 13 of 15 pages)
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•;i oa pal ;i ;ua Spugai suosaad ao uosaad alp o; ssaaxa Aue (a) put ;uawna ;suI
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'alas ag; jo sasuadxa lit o; (u) :aapao guplopoj aq; ui palldde aq hugs alas aq; Jo spaaaoad
a'Z •aims Cut ;u 4padoad aq; asugaand £uw aaaIsap s ;i ao aapuaZ •Marl alqua►lddy £q pagiaasaad
aauuew ag; uI pios aq pugs adoad aq; put 'ales jo aai ;ou aq; gslignd hugs aapuarl •Sj uoi ;)as
u► papiAoad aauuew alp uI aaMoaaog o; ales aq; 3o aa► ;ou aAig pegs aapua' •Mmrl aiquailddy
q;iM aauupaoaae uI ';uaaa ip 3I ',fpadoad aq; jo uoissassod u► uosaad alp o; put aantoaaog
o; asopaaoj o; ;ua ;ui jo aai ;ou aAi2 ilegs aapuaZ 'aims jo aaA+od aq; saqoAui aapuaZ dI
•aauappta app jo sow pug
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saipawaa aaq ;o if pum aims jo aaMod aq; aqoAUI ifmw put puewap aaq;anj ;nog ;iM ;uawna ;suI
,f ;ianaas siq fq paanaas suns Hu jo Hui uI ;malted apgpawwl aambaa ,fmw uopdo s ;i ;e aapuaq
'aapou alp uI paupads app atp aaojaq ao uo pain) ;on sI ;inuJap aq; 3I •aims pug uoi ;uaapaau
o; aaAAoaaog jo asuapap aag ;o Aum ao ;inujap u jo aqua ;six) -uou alp passe o; uopau pno)
m guuq o; ;Op aq; pue uol ;eaapaae as ;3m ape ;sups o; ;Op aq; jo aaAnoaaog waojui aaq;anj pugs
aai ;ou aqy -Spadoad aq; jo ales pue ;uawna ;suI ,f ;lanais siq; ,fq paanaas scans aq; jo uoipeaaia)MM
uI gnsaa Lew aai ;ou aq; ui pawpads a;ep aq; aaojaq ao uo ;inujap aq; amp o; aanpe3 Imp
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;ou ;nq) ;uawna ;suI S ;ianaaS siq; ui ;uawaaau ao ;ueuaAo) ,fug jo gnnaaq maMOaaog 2uiMolloJ
uol ;uaaiaa)g o; aorad Jammaaog o; ail ;ou aAig hugs aapuaZ •salpawag :uol ;eaaiaaay •zz
:mono;
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SCHEDULE C
510
The land referred to in this commitment is situated in the State of Wyoming, County of Lincoln, and is
described as follows:
That part of the NW' %SE and that part of the SW%SE'% of Section 30, T33N
R118W of the 6th P.M., Lincoln County, Wyoming being part of that tract
of record in the Office of the Clerk of Lincoln County in Book 72PR on
page 187, described as follows:
BEGINNING at the Southeast corner of said NW /1SE
thence N 00 °21'06" W, 429.21 feet, along the East line of said
NWl %SE to the Easterly most Southeast point of that tract of
record in said Office in Book 419PR on page 80;
thence coursing the Southerly line of said tract as follows:
N 81 °35'32" W, 191.97 feet to a point;
S 28 °02'00" W, 517.39 feet to a point on the South line of
said NW %SE
thence S 39 °30'53" E, 212.85 feet to a point;
thence N 70 °11'58" E, 296.36 feet to a point under the West right
of -way fence of the Grover Narrows County Road No. 12 -130;
thence N 88 °02'11" E, 21.84 feet to a point on the East line of
said SWl /1SE%;
thence N 00 °21'06" W, 62.49 feet to the CORNER OF BEGINNING.
U�►
MORTGAGE INSURANCE RIDER
541
This Mortgage Insurance Rider is made this j 9th day of Oct Oct ober. 2000 and is incorporated into
and shall be deemed to amend and supplement the mortgage, deed of trust, or security deed (the "Security
Instrument of the same date given by the undersigned "Borrower to secure Borrower's note (the "Note to
First Security Bank, N.A.
"Lender of the same date and covering the property described in the Security Instrument and located at:
1753 GROVER NARROWS ROAD, GROVER, WY 83122
[Property Address]
The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument
has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at
the lower right corner that is earlier than 3/99):
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if
Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into
agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms
and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these
agreements. These agreements may require the mortgage insurer to make payments using any source of funds
that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance
premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other
entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from
(or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for
sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an
affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the
insurer, the arrangement is often termed "captive reinsurance." Further:
(A) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage
Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will
owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
(B) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage
Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the
right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to
have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage
Insurance premiums that were unearned at the time of such cancellation or termination.
MULTISTATE MORTGAGE INSURANCE RIDER Single Family Fannie Mae Uniform Instrument
Form 3160 8/00 (page 1 of 2) 0050050871
3160
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