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Condominium Rider
Planned Unit Development
Rider
Biweekly Payment Rider
(G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following
riders are to be executed by Borrower [check box as applicable]:
Adjustable Rate Rider
Balloon Rider
1 -4 Family Rider
6 16
El Second Home Rider
E Other(s)
Tax RSfampt Finanrin
Mage insurance Rider
(H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non appealable judicial opinions.
(I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(J) "Electronic Funds Transfer means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller
machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
transfers.
(K) "Escrow Items" mean those items that are described in Section 3.
(L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i)
damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the
Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the
value and /or condition of the Property.
(M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
the Loan.
(N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the
Note, plus (2) any amounts under Section 3 of this Security Instrument.
(0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. J 2601 et seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard
to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage
loan" under RESPA.
(P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and /or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions
and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
Lender and Lender's successors and assigns, with power of sale, the
Loan Number: 0007688732
W YOMINO- Single Family-- Fennie Mae /Freddl• Mao UNIFORM INSTRUMENT
FSB 08 /00
Form 3061 3/88 (page 2 of 15 pages)
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hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power
COUNTY
of sale, the following described property located in the
of LINCOLN
[Name of Recording Jurisdiction]
LOT 624C OF LAKEVIEW ESTATES SUBDIVISION, TRACTS A -F, LINCOLN COUNTY,
WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF.
which currently has the address of 179 TRAIL DRIVE
[Type of Recording Jurisdiction]
[Street]
ALPINE Wyoming 83128 "Property Address
[City] [Zip]
618
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: 0007688732
WYOMINO.SIngIe Famiy- -FannIe Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
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: 0007688732
WYOMING- SIngle Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
620
Form 3051 3/99 (page 5 of 15 pages)
MWYOSCV
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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: 0 007688732
WYOMINO.Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
622
Form 3051 3/99 (page'8 of 15 pages)
MWYO8CV
AO6OAMW
(sebed 91 JO 6 eyed) ee/c "cot w.wd
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Z£L889L000:aegwnN 11801
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.anp uagf ale sums oIp lot zo
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am `Supui Ui aa1S8 as!mJatpo zapuaj pue JOMOJJog ssalun `anlen ui ssoj JO `uoiionzlsap
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alp /TOigM UT 4I dozd am Jo a /Tvn ut SSOJ JO `uopotu sap Tepzmd a 3o 1Uana a/TI III
•zamozzog of pied aq Tlvgs aoaeleq iCuy •anJen ui ssoi zo
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alp ,Cq paonpaz aq Hugs JuauunzfsUJ ,Clunoas sop Aq paznoas stuns alp `Sun1M ui aazSe asiMZagfo
zapur pue zamozzog ssalun 'amen ui ssol JO `uonotuisap `Suplel lunzvd arp azojaq ,ilafetpaunui
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'luatunzlsul Alunoas sop Aq paznoas stuns alp of pagdde aq 'legs spaaoozd snoauelj DS1JAl alp
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•spaaoozd snoau8llaOSiJA dons 110 S Uituma JO Js ,Cum zamozzog ,Ced oI pazmbaz aq lou Timis
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oI Alzadozd /Tons loadsui 0f Alomlzoddo 11v pmt[ Set[ zapiaZ 'pun spaaoozd snoauellaOS1J, /Tons
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umefuimuu of pazmbaz samouaid asp Aed Hugs Jamo.uog `aOueznsul a2e2u0JAI 10J suzniuuazd alp
pzemof sIUauuAvd pafvuSisap ATafvz8das aaietz of pazmbaz SEM zamozzog pue ueo-I alp Supietu
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pzemof sfuauavd paleUSisap AJalvzvdas sazinbaz zapu0'- pue `paui8Jgo si `algv[tene saurooaq mat
zapUOJ pal0aJOs zaz1S11r papinozd sazmbaz zapua-I Imp pouad agl zoj pue lunouum
am ui) aSvzano0 aOumznsul 0S853z01/AI 3i s3Uaur1Cvd OMMOSOI SSOJ azmbaz za$uo[ ou 11mo zapua'l
AO6OAMW
(sebed 91 JO 6 eyed) ee/c "cot w.wd
00/E 'lI
IN3Wfltl1SNI VWoAgin O VI •PPud/""W „uu d• 9 IOuIS•ONIWOAM
Z£L889L000:aegwnN 11801
uump a aplas of pzmME tie aaletu oI sza3jo (aoualuas Ixau alp ui paugap se) Afzmd Suisoddo aIp
lmlP zamozzog of zapua-I Aq a0pou zalum `3t JO `zamozuog Aq pauopuvgv si Afzadozd a'n 3I
.anp uagf ale sums oIp lot zo
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am `Supui Ui aa1S8 as!mJatpo zapuaj pue JOMOJJog ssalun `anlen ui ssoj JO `uoiionzlsap
`Sut�lml Ivpzmd aIp azo ;aq Alaaetpauzuti paznaas sums alp jo IUUOUIe am ueip ssal s! amen
ut ssoi JO `uoilotu1sap Tvnzvd aim azojaq ,Claletpaunuc Auadozd alp 3o amen 3a3lzeuz ziv;
alp /TOigM UT 4I dozd am Jo a /Tvn ut SSOJ JO `uopotu sap Tepzmd a 3o 1Uana a/TI III
•zamozzog of pied aq Tlvgs aoaeleq iCuy •anJen ui ssoi zo
`UopOnzlsap `SUplvl Ivpzmd alp azoJaq Alafvipaunur Alzadozd alp 3o awn laalzmuz ztv3 aqi (q) A
papinip anlmn ui ssoi zo `uononzfsap `Suixel Tvpznd agl azojaq ,Claleipatutui pampas stuns amp jo
Iunouuv rum a/TJ (e) :uoifoez3 Suimolloj a'p Aq pai[dp[nm spaaoozd snoauv[[aOSIJA aIp 30 Junoure
alp ,Cq paonpaz aq Hugs JuauunzfsUJ ,Clunoas sop Aq paznoas stuns alp `Sun1M ui aazSe asiMZagfo
zapur pue zamozzog ssalun 'amen ui ssol JO `uonotuisap `Suplel lunzvd arp azojaq ,ilafetpaunui
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11i
ssoj Jo `uor3Ottzlsap `Suialml lepzmd atp azojaq Alafeipautui Alzadozd agl 3o anion laveuu zie3
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•zamozzog of pied dt `ssaoxa alp gfrm `anp tam 1 011 JO zag3agM
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agl `Alzadozd alp Jo amen ut ssoi JO `UOpOnzlSOp SUDiel MO) v JO Juana am to
uopoas ui zoj papinozd zapzo a/Tf ui paitdde aq hells
spaaoozd snoauellaosm gouts •zamozzog 03 pied glue 3i `ssaoxa alp tpiM `anp tam 3011 JO 1a/TfajA
'luatunzlsul Alunoas sop Aq paznoas stuns alp of pagdde aq 'legs spaaoozd snoauelj DS1JAl alp
`pauassal aq pint Alunoas s,zapua7 JO aigisea3 iIIe0oU0UoOa lou si zimdaz zo uopezolsaz am 3I
•spaaoozd snoau8llaOSiJA dons 110 S Uituma JO Js ,Cum zamozzog ,Ced oI pazmbaz aq lou Timis
zapUa-I `spaaoozd snoauellaoSiynl /Tons uo mud aq of fsazalui sazmbaz Mm-I algmoilddy JO 211pimM
UT apvaU si luauzaaISE 11m SSalun 'palalduI0O si 3I10M am Se sfuauI,Cvd ssazsozd 3o sauas v ui JO
JUamaszngsna aJSUis v 11i Uonvzofsaz p11e szivdaz alp zo; ,Cud Auto zapurj ri[lduuozd ualeuapun aq
TIM uopoadsui dons Imtp papinozd 4 UOpa8Jspvs s,zapuar of pafaidtuoO uaaq set[ voM arp aznsua
oI Alzadozd /Tons loadsui 0f Alomlzoddo 11v pmt[ Set[ zapiaZ 'pun spaaoozd snoauellaOS1J, /Tons
plot[ of m51.1 3 alp anvil Hulls zapua-I `pouad Uopezolsaz pue ziedaz lions SuiznQ 'pauassal Jo11 si
A3un0as s,zapua -I puv a[gisva3 AIl20OUOU00a Si ziedaz zo uopvzofsaz alp 3i `A3zad0zd alp 3o ziedaz
zo Uonvzoisaz of paiiddv aq TTegs spaaoozd snoauejlaosm lions `paSetuep si Aliadozd alp 3I
•zapual of pied aq nap pue 02 pauSisse
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•a10N alp ui papinozd afmz
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umefuimuu of pazmbaz samouaid asp Aed Hugs Jamo.uog `aOueznsul a2e2u0JAI 10J suzniuuazd alp
pzemof sIUauuAvd pafvuSisap ATafvz8das aaietz of pazmbaz SEM zamozzog pue ueo-I alp Supietu
;o uOpipuoo a se aOUmznstl a2821zojAi pazmbaz zapua3 3I •aOumznsUJ aS821.101,1 zo; sumiuzazd oip
pzemof sfuauavd paleUSisap AJalvzvdas sazinbaz zapu0'- pue `paui8Jgo si `algv[tene saurooaq mat
zapUOJ pal0aJOs zaz1S11r papinozd sazmbaz zapua-I Imp pouad agl zoj pue lunouum
am ui) aSvzano0 aOumznsul 0S853z01/AI 3i s3Uaur1Cvd OMMOSOI SSOJ azmbaz za$uo[ ou 11mo zapua'l
Obta Z:3b 624
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
Loan Number: 0007688732
WYOMING Single Family Pennle Mee/Froddle Moo UNIFORM INSTRUMENT
I.T. 3/00
(Initials)
orm 3051 3/99 (page 10 of 15 pages)
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Si aSzelp 3uatugedazd a 3011 JO z01)01M) a8zetjO 3uaTUgedazd Sue 3nol3lA luatugedazd 'mind
e se paleax3 aq jjiM uopOnpaz alp `jedpuud saOnpaz punJaz a 3i •zaMOUOg o3 3uatuged 1Oaztp
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zapuai zam0zz0g o1 papunjaz aq jjiM S3ltuij pa13T UZad papaaoxa golgm zamozzog wog pa3OajjoO
gpeazje sums Sue (q) pue :lmmtj pa33Tuuad am 01 aSzego am aonpaz o3 g1ESS Oau 3unotue alp
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ajgeoijddy gq JO 3uatutuisuj Mignons sup gq pa3igtgozd
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se panzlsuoo aq 1ou yetis zamoUOg o3 aaj Ogpads a aSzetio o3 3U UIt zlsuj glunOas STI l
ui g1uotpne ssazdxa 3O aouasge alp 'saaj zatpo Sue o3 pzesaz IIj •saaj uopenjen pue uopoadsai
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but
not limited to, those beneficial interests transferred in a bond for deed, contract for deed,
installment sales contract or escrow agreement, the intent of which is the transfer of title by
Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if
Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)
without Lender's prior written consent, Lender may require immediate payment in full of all
sums secured by this Security Instrument. However, this option shall not be exercised by Lender
if such exercise is prohibited by federal law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The
notice shall provide a period of not less than 30 days from the date the notice is given in
accordance with Section 15 within which Borrower must pay all sums secured by this Security
Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender
may invoke any remedies permitted by this Security Instrument without further notice or
demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at
any time prior to the earliest of: (i) five days before sale of the Property pursuant to any power
of sale contained in this Security Instrument; (ii) such other period as Applicable Law might
specify for the termination of Borrower's right to reinstate; or (iii) entry of a judgment enforcing
this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which
then would be due under this Security Instrument and the Note as if no acceleration had
occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses
incurred in enforcing this Security Instrument, including, but not limited to, reasonable
attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose
of protecting Lender's interest in the Property and rights under this Security Instrument; and (d)
takes such action as Lender may reasonably require to assure that Lender's interest in the
Property and rights under this Security Instrument, and Borrower's obligation to pay the sums
secured by this Security Instrument, shall continue unchanged. Lender may require that
Borrower pay such reinstatement sums and expenses 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. Upon
reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain
fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply
in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial
interest in the Note (together with this Security Instrument) can be sold one or more times
without prior notice to Borrower. A sale might result in a change in the entity (known as the
"Loan Servicer that collects Periodic Payments due under the Note and this Security
Instrument and performs other mortgage loan servicing obligations under the Note, this Security
Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer
unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be
given written notice of the change which will state the name and address of the new Loan
Servicer, the address to which payments should be made and any other information RESPA
Loan Number: 0007688732
WYOMINOSingle Family- -F(nM* Maa/Froddia Mao UNIFORM INSTRUMENT
LT. 3/00
(Initials)
646
Form 3051 3/99 (page 12 of 15 pages)
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oz pautaap aq jjTM pouad atop lap `Uaziez aq UEO U0T7OE UTezzao Ozojaq asdeja zsntu goigM po!Zad
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szuatuazmbaz am mph aouetjdtuoo ut uamTa aopou lions ipiM) And zagzo aip paupou seg zapua-j
JO zamozzog Bons !pun `zuatunzzsui d3Tznoas SIT `Jo UOSEaz dq panto dznp due z0 `JO uoISTnozd
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Obti9 X38 625
NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as
follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration
following Borrower's breach of any covenant or agreement in this Security Instrument (but not
prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall
specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30
days from the date the notice is given to Borrower, by which the default must be cured; and (d)
that failure to cure the default on or before the date specified in the notice may result in
acceleration of the sums secured by this Security Instrument and sale of the Property. The notice
shall further inform Borrower of the right to reinstate after acceleration and the right to bring a
court action to assert the non existence of a default or any other defense of Borrower to
acceleration and sale. If the default is not cured on or before the date specified in the notice,
Lender at its option may require immediate payment in full of all sums secured by this Security
Instrument without further demand and may invoke the power of sale and any other remedies
permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing
the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees
and costs of title evidence.
If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to
Borrower and to the person in possession of the Property, if different, in accordance with
Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in
Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner
prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The
proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale,
including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security
Instrument; and (c) any excess to the person or persons legally entitled to it.
23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall
release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge
Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party
for services rendered and the charging of the fee is permitted under Applicable Law.
Loan Number: 00076887
WYOMING-Single FamAy-- Fannie Mee/Freddfe Mac UNIFORM INSTRUMENT
LT. 3/00
Initial
Form 3051 3/99 (page 14 of 15 pages)
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0007688732 U sc ;.iii MORTGAGE ADDENDUM
The following is an Addendum to the Mortgage. The addendum shall be incorporated into, and recorded
with, the Mortgage.
References are to the Internal Revenue Code as amended, in effect on the date of execution of the Security
Instrument and are deemed to include the implementing regulations.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions in this Tax Exempt
Financing Rider.
TAX EXEMPT FINANCING RIDER
THIS TAX EXEMPT FINANCING RIDER is incorporated into and shall be deemed to amend the
terms of the Mortgage to which it is attached.
In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further
covenant and agree as follows:
Lender, or such of its successors or assigns as may, by separate instrument, assume responsibility for
assuring compliance by the Borrower with the provisions of this Tax Exempt Financing Rider, may require
immediate payment in full of all sums secured by this Security Instrument if:
a) All or part of the Property is sold or otherwise transferred (other than by devise, descent or
operation of law) by Borrower to a purchaser or other transferee:
i) Who cannot reasonably be expected to occupy the property as a principal resident within a
reasonable time after the sale or transfer, all as provided in Section 143 (c) and (i)(2) of the
Internal Revenue Code; or
ii) Who has had a present ownership interest in a principal residence during any part of the
three -year period ending on the date of the sale or transfer, all as provided in Section 143(d) and
(i)(2) of the Internal Revenue Code; or
iii) At an acquisition cost which is greater than 90 percent of the average area purchase price
(greater than 110 percent for targeted area residences), all as provided in Section 143(e) and
(i)(2) of the Internal Revenue Code; or
iv) Whose family income exceeds applicable income limits as provided in Section 143(f) and
(i)(2) of the Internal Revenue Code.
b) Borrower fails to occupy the property described in the Security Instrument without prior written
consent of the lender or its successors or assigns described at the beginning of this Tax Exempt
Financing Rider, or
c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143
of the Internal Revenue Code in an application for the loan secured by this Security Instrument.
MPP 210 -B (Revised 12/95)
I.T. 4/97
`nA' Al
DERRICK E JENSEN
63('I
WCDA210B