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HomeMy WebLinkAbout869265WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0050051127 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated October 20 2000 together with all Riders to this document. (B) "Borrower" is ROBERT V MANNING and SHERYL MANNING, husband and wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is F Security Bank N. A. Lender is a Corporation organized and existing under the laws of The Un i ted States of Amer i ca 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 20, 2000 The Note states that Borrower owes Lender Forty -Eight Thousand and No /100 Dollars (U.S. 48 000.00 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. 0 D i Space Above This Line For Recording Data b MORTGAGE 869265 I WYOM NG- Single Family Fannie Mee/Freddie Mae UNIFORM INSTRUMENT LT. 3/00 RECEIVED IP�r�,l ~r {I r 00 OCT 25 L 11: 1 I t iii (LNIW4.. 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All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity or (d) Electronic Funds Transfer. Loan Number: 0050051127 WYOMING-Single Family Fannie Mae/Freddia Mac UNIFORM INSTRUMENT 1.T. 3/00 Ma's Initials Form 3051 3/99 (page 3 of 15 pages) MWYO3CV AO4OAMW (se6ed gt so q eyed) ee/s tsoe uU 1...69 00/E •1'I 1N3Wntu.SNI WNOdINn tow t!PPu&•VW aryut1 -A!tue-J eIB L Z L L g 0 0 g 0 0 :JegwnN uroi /CUy amp /iui aE sruaal MO1OSg IIE Jo ,cup zo3 spund zapuai o; /fid oa uoilaiigo s antrm /CIUJ Japua-I •sruaal mama iie Jo /fur zoj spund am /Cud oa uopaiigo sjamozzog saniei Japua- ssaiun smog mo1OSg JOJ spun] aqa zapuoi /CEd Hugs zamozzog uopoas stria zapun pied aq oa saunouzu jo saoiaou IIE zapua-I oa gstu.nj /CladuIozd hugs zamozzog 'man Mozasg ue aq VEILS sauarussassu puE saaj 'soup bons pui `zamozzog /iq pamozosa aq `/Cue 3t `sauamssassy pur saaj `sang uoiaEioossy /fatunu uioj mg) azmbaz /ir[Ii zapua-j `uro'l aria jo tuna aria Ruunp W!1 /Cur aE JO 110i3EUL uO ay „•suIaal Molosa„ paiiEO am small asagy •oi uopoas jo suoiSinozd am IpiM aourpz000i tit smmnuazd aourmsuj a$m$aioysi jo auanaEd aqa jo nail ui zapua'i Oa 10M0110 /Cq aiquArd sums /cum Jo `/Cur Jr `suzniuiazd omen-ism adazoysi (p) puE :S uopoas Japan zapua /iq partnbai ammo! 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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: 0050051127 WYOMING-Single Family -Fannie Mae/Freddle Mac UNIFORM INSTRUMENT I.T. 3/00 InitI Initial crm 3051 sroa (page 5 ,of 15 pages) MWY06CV A390AMW (se5ed gl Jo g eyed) esie 1.90E u+/ ooie •1•I 1N3W111l1SN1 W13031N11 OQW NPP J /SIW Nuuu- -/llwej elau1SONIWOAM a llS00500:aagwnN ueo-i 31 `412d0ud ag1 3o ziedai io uotleioisaz of pagddr aq hugs `iapua-j Aq paimbaJ srm aourinsuT EuTAliapun all 1ou Jo Jamogm `spaaooid aougmsu! i UI lupuM uT aaz$e asTmJaipo JaMOJJOg pir Japuaj ssaiun •zamoizog Apduuoid apmuu lou 3T ssoi jo Jooid alsui Amu iapua-i •iapua-i pug Jauigo aouulnSUT amp o3 aopou iduuoad anT2 hems 1amolog `ssoi JO luana OTT) uT •aaAgd ssoi iuuopippr ur sr Jo/pue aaffg2uouu sg 1apuaq auTru ITggs puu asngio aBm5uour pirpuels a apniour jjugs AoTlod lions `AUadozd aTl ;o uoilonulsap so `o3 aBuTurp zoj `Japua- Aq pagnbai asTMJai3o 1ou `a5riano0 aourinsuT jo uuoj Aur suuglgo Jamomog 3I •saopou immauai pug suunTuuaad ppd jo sldlaoal TTr iapua7 01 anTR Apduuoid Timis Jamoiiog `saiinbai Japua-J 3I •salmogpiao Tmmaual pug saTogod alp ping of il$1J all anrT iiris 1apu77 •aaAgd SW) iruopippr TIE SE 1O/pUu 003EB1l0TU sm Iapuoi =ELI Timis pum `asnmio aWgffuoul pirpumps m apnpuT Togs `saiotiod ions anoiddesip 01 JOT' s,iapuaj 01 poafgns aq Timis saioiiod Tons jo sTRMaua1 pum zapual pannbai saioiiod aourinsui itv •puaurAmd 2upsanbai iamoizog of iapua-J woij aoppou uodn `3saia3ui Tons Tlltm `alqu,Cmd aq Ilmgs pug luauuasingsip jo arp a p uuoij alai apoN alp it lsa1alut nag Timis s3UUOTUm asagy ivauuu.uisui Alpnoas sup Aq palnoas IamoJ1Og jo lgap Truoilippr auiooag ilmgs S uoipoas sup iapun Japua-I ,Cq pasingsip slunomr iiuy •paulmgo anmg moo JOMOJJOH IRT1 aoum1nsui 30 1s0o all paaoxa /fpuROTJTu2Ts WTI pauiglgo os a2RJanoo aourinsui alp 30 lsoo alp 1uTl sa5p2IMOU)T3R iaMO.uog •1oa332 ui 1ClsnoTA Id sum uRTp agelan03 Jassal Jo ialgai2 apino1d 1T5Tur pug iCiliquIT .uo Tumuli `Asp ,Cum lsuTr5r `iC1ladoid all 3o spua3uoo alp 10 `A11adoJd alp ui Aljnba s,Iamollog `JaMonog loalold 30U lqpiuu Jo 3lkur lnq `IapuaI Janoo Timis agrianoo lops `aio;alagy •aSmian00 JO lunoure Jo ad/C3 Irinoiplyd ATE asrloind 01 uojle2ggo ou Japun sT Iapuaj •asuadxa s,1amoJJog pum uojldo s,lapua-I 3g `221312A03 aourinsuT uw qo Amu Japual `anoge paquosap sa5rianoo aq3 3O Aue uigluiuuu Ol surj lamolog 3i •1amO11og uoipafgo ue uuoJj &upinsai uol3guluua3ap auoz pool; ,Tug jo Mainai alp TuTm uopoauuoo uT /CouoWv 3uaura5uurTAT Aouo2Jauug Imiapad ail Aq pasoduu saaj /Cur jo 1uaulArd alp Joj algisuodsai aq osir Tluis Jamolzog •uopmouTlao JO uopruiuualap Ions poa33e 3iSTTU iCigmuosual ToTgM mono saftrup ImiiluIS Jo s$uiddgura1 MI)) gora sa2Jugo luanbasgns pUr saoinias uoTproupiao puu uopmuUUlapp auoz pool; lOj 021Rgo 2UUj1 -auo a (Z) JO s3Tnlas 2upIorzl puu uopeojplao `uopeunulalap auoz pool; zoj a2lmgo quip -auo r (i) :Jalpia `uro-T sigp Tim uopoauuoo ui gird 01 zamol1og aiinbai •,Cigguosealun pasioiaxa aq 1ou Timis 1g2u goigt `aorogo s,J2m011Og anoiddgsip o1 1g2u s,lapua of loafgns JamoJlog Aq uasogo aq Tlugs aouminsu! alp 2uipinoid 1ai11E0 aoue1nsuT aTZ •umo1 ag1 Jo mai aIp 2uunp afuglo auo sa0ualuas 5ruipaoaid alp 03 3umnslnd saiinbal Japual IRTM •salmbaJ iapua'-I 1R1Ip spouad in Io3 pug (sianai aigponpap &uipnioui) sumo= alp ut pauum3uuguu aq imp aouminsur suq j aourinsUT saimbai Iapua- To1q 10j `spool; pue savnblpira `01 pa3iuuii Sou pnq `$uupnpuT spIPzrg Jaglo Cur puu `a$rianO3 papualxa„ TUiap alp uu pim papnioui spimzrg `alg ,Cq ssoi 1suTr2r painsui iC3Jadoid aii uo papoaza Ia33ma1aT JO 5upsixa Mou sluauuanoidlui alp daal hugs zamollog •aoueansuj ,f3.uadoad •s •umo-I sup TfTM uopoauuoo uT Japual Aq pasn aoinlas Wup1odaz Jo /pun uoipm3TJilan xR3 alm3sa Tma1 m 10j a$JUgo auup -auo m Amd 03 IaMouog airnbai Xeur iapua h uoi33as Snp ui anogm 11103 3 S SUOpor alp 3o alum z0 auo alt) JO uaTj alp A3spes iTuis zamo1Jog `u2AT2 si 03130u 3813 goig' uo a3mp aq1 3o sap (T uig3Tm •ua1T alp Ruptjpuap1 a0901I g lamozrog anTa Liglu IapuaJ luauuni3sui LClun0as sup Iano iipuoTid uTrpr ago TOTTM uOTT g o1 30afgns si A3ladoid aTp 3o urd Cum Imp sauTTUlalap Iapua-I 3i •3uaumJ3sul A3un °aS sup 03 ua1T alp Rupguiplogns 1apuaJ of CloloRJspms 1uaUUaa1$r ur uaTT alp 3O Japing aip uuo13 sa1n0as (o) Jo `.papnpuoo azr s5uipaaoo1d ions Iilun 'quo inq luipuad air s &uipaaooid asap aiiIM nap alit 30 lualuaolojua aTp luanald of a3miado uouuido s,1apual Tut goTgM s$uipaaooid 669 q9 2:690N° USky9. 7 0 0 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 insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (2) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. Loan Number: 0050051127 WYOMING Single Family-- Fannie MaeIFreddle Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initials Form 3051 3/99 (page 7 of 15 pages) MWYO7CV AOBOAMW (se5ed Sy Jog eyed) se/e ►soe wJoA 00/£ •1 1N3WnlLLSNI WHOAINI1 31W NPP1Jd/11W 11uu1I--AliuvA ei LZtGSOOSOO:JegwnN ueo •OAJOS 1 ssol lions uo sgutuzua JO 3s0z03ut Cu e zamoUog Sud on pazinbaz aq 3ou Huts zapua'j pue jinn lit pied Spnutupjn st uuo1 at3 Imp loe3 am 2utpue3stpim3ou `ajgepunjaz -uou aq Huts anzasaz ssoj wits •aouuznsui au53zojnl jo nail lit anzasaz ssol algepunpaz -uou a se s3UatuSmd asap uTm3az pue asn `3daooe !!TM zapua7 •3aa33a lit aq o3 paseao a5uzanoo aOu1znsut atp uatim anp azam Imp smoutAud pa3eugisap Sja3ezedas alp jo nunoun am zapua-j o3 Sud o3 anupuoo Timis zamozzog 'antrum Sou st aguzan00 aouuznsui a8uB3zoj^j 3uaieninba Sjepumsgns 3i •zapua-j Sq props zaznsut a2u23zout aluuza3je ue utoz3 `3aa33a ut SjsnoTnazd aouuznsui aga3zoi,T am jo lomozzog on Two am oi luajeninba Sjjeiiue3sgns 3so0 m 311 `3aa33a lit Sjsnoinazd aouuznsui ahnzoj1 atp oi 3uaTenmba Sjupueisgns aezan00 ute3go 03 paznabaz su nnuazd at3 ,cud Hugs zamozzog `aouuznsui ageBnzoini zo3 sum utazd atp pzemo3 s3uatuSed poluu2Tsap Sla3ezedas arm o3 pazinbaz sum zamozzog pue aouuznsui tons papinozd Sjsnoinazd hemp zaznsu! ah23zout at3 uzoij ajqujiunu aq o3 saseao zapua-j Sq pazinbaz aezanoo aouuznsui a5u33zoTvi atp `uosmaz Sue zo3 `3I Ingo lit aouuznsui aaeg3zoj^i atp uii utem o3 pazinbaz suintutazd at3 Sud hits zamozzog `uuo-i alp gull= 3o uot3ipuoo u sr aouuznsui aA1 31OJA paznabaz zapun -j 3T •a0uuansui a2u2poj,t •0i &upizm lit JAI= am 03 saaau zapua-T ssalun aSzatu 3011 Timis opp aaj at3 pue plogasuaj alp `S3zadozd am o3 app aaj sazinboe zamouog 3l •aseaj ag3 jo suoistnozd alp Hu tpim Sidumo Tiuts zamo-UOg 'wpm! m 110 st 3uaturuisui S3UfOas sign 3I •3uatuXed 2ut3sanbaz zamouog o3 Japan tuoz3 aopou uodn `3saza3ut tons qqm `ajqused aq Tjegs puu 3uatuaszngsip jo a3up am tuoz3 a3ez a1oiNT atp 3m 3saza3ut teat Huts s3unotum asagj •3uatutuisuj S3Unoas sit3 Sq paznoas zamozzog 30 3gap Tuuop!ppm amooaq !pits 6 uoi3oas sup zapun zapua^l Aq paszngsip s3unoutm Suy 6 uo1OaS snit zapun pazympnu suopom !Tr zo Sue 2uDjm3 3011 zo3 S3iiig1Tj ou sznout zapua-j Tap paazam si 3T os op o3 uopaTjgo JO Snip Sue zapun Sou st puu os op o3 anug Sou saop Joplin `6 uot3aas snit zapun u0poe ale3 Sum zapuarj gSnot1jy •330 zo uo pauzn3 saT3Hpn anug puu `suopipuoO snozauup zo su0t11TOTn apoo zatno z0 Vutpjinq a1muttuga `satind tuoz3 za3um utezp `smoplgm puu stoop do pzmoq JO aomjdaz `s31poj 02uu110 `sztedaz 03je111 01 S3zadozd am Wurza3ua 03 pa3itu!! Sou st 3nq `sapnpui S3zadozd atp 5'uunoas Rutpaaoozd So3dnqtreq m ut uopisod pazn0as sat Ru!pnjoiq `3uatunz3sui S3pnoos sip zapun zo /puu S3zadozd am ut 3saza3ut sat 3oa3ozd o3 saa3 ,sSauzo33m ajgmuosuaz ffu!Sed (E) puu 'moo lit n 1 dde (z) `3uatutuisui S3un0as gtt3 zano S3Tzotzd smq g0ttm uo!! u Sq paznoas stuns Sum 5ujimd (I) `03 pa3junl Sou ate 3nq `apnput um0 suoj30m s,zapun •S3zadozd nip Ruutmdaz zo/pue uunoos puu `S3zadozd ag3 3o anjun alp $uissassu zo /puu &ui30a1ozd 5'utpniout `3uauuttpsui Agmoas snit zapun s3g$tz puu Slzadold ag3 III 3saza3ui s,zapuaJ 3oa3ozd o3 a31Udozdde JO algeuosuaz sT zana3utm zo3 Ced puu op Scut zapua-j uatp `S3zado1d alp pauopuuqu slit Jamozzog zo `(suot3ejnffaz z0 smuj 03Z0jUO 03 zo 3uatutu3sui S3TZnoas sng zano S3Tz0Ud mum Suet gOttm uaTT m jo 3Uatua0zojua zo3 `azn3tajzoj JO uopmuutapuoo zo3 `a3egozd `So3dnwiumq uT 2uipaaoozd u sm tons) 3uatunz3suj S3izn °as stt3 zapun siOTZ zo/puu S3zado1d atp lit 3saza3ui s,zapua-j 30a3j1 Spuroun DTs 3tgnu 3mt3 5uipaaoozd TON u st amp (Z) `3uatunzlsui S3unoas snit uT pautu1uoo s3uatuaaau puu s3um ono0 a13 tuzojzad on sjre3 Jamozz0g (i) 3I •3uatutur sui S3janaaS s'I3 .tapuf] s3 pue S3.tadord at3 uj 3saiajui s,aapua7 3o uol ;aa3oad •6 •aouapisaz TmdTODUd s,zamozzog sr C3zadozd alp jo SOUedn000 s,zamozzog 5u1uzaouoo suope3uasazdaz `03 pa3TtUH Sou an 3nq `apnjouT SUOpm3uasazdaz jmua3mjni •ueorT atp qqm uopoaUUOO lit (uopuuUO3ut Tetzo= t3Tm zapua7 apinozd 03 paltm3 JO) zapua-j o3 s3uatua3e3s JO u0pmtuz03LIt a3uzno0muT zo utpeajstut `asju3 SHmua3mui snuff 3U SU00 JO apajMOUX s,1amozzog g3Tm zo zamo.UOg 3o uoj30azip alp 3e 3ut30m saT3t3ua JO suoszad Sum JO zamozzog `ssa0ozd uot31Oijdde ueo-1 all &uunp `3T Timm ui aq huts zamozzog •uopBOjlddV uuo7 mamoaaog •g TO!, os 702 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: 0050051127 WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 nitialsl Initials Form 3051 3/99 (page 9 of 15 pages) MWYOOCV AOOLAMW (so5ed 9L so o f eyed) ea/s LSO£ woo 00 /E 1'I 1N3WnH1SNI WNO3INn 0•W •IPPa3/•Syy OluulgA--AHureA eiBulS al IMO5OO :JegwnN ueoi /Clzado /d `saa; sAau/one `01 poinuti lot inq &utpnioui `ivauinz;sui Animas snp zap= s1 pug Apzadold alp ut isaza)ut s gupoaiozd 3o asodznd otp zo; 'Hupp s,zamo /zog iplm uopoauuoo ut pauuo3 /ad saopu s /03 saa3 zamozzog a/ago Amu zapun •saaeg3 wen "u •zapua-I ;o sugissg pug szossaoons alp piauaq pug (OZ winos ut papunozd sg idaoxa) ping Huts luauutuisui Aliznoas snp Jo s111a11I00zgg pug slueuanoo aqy $uipum ut asgaia1 lions 01 =AR zapua1 ssapun luaumz1sui Animas slip zapun Aatitgi i pug suotpggggo S,zamo.'zog uuoz; pasgaiaz aq 1011 iiegs iamozzog •)uaiunllsui Animas step zapun sigauaq pug s)145u s Jo iii utemgo iiegs `zapual panoiddg si pug `gupizm ut luauinusui Alunoas sal zapun suopegtigo s /og sauinssg oqm JOMO1z011 30 )sazalui ut zossaoons Alm `gi uotioas 3o suotsinozd alp o) loafgns •luasuoO S,1au$IS -oO ail inoglim aloud alp /o puaiun 3sui Alun0as an 3o stain all 03 pzeSaz glum suopgpot uti000e Aug /0 /gagzo3 `lipoid `puapxa op aazgu ugo zamo//og zaipo Cur pug /apuaj lggl saaag (o) pug `ivaumzpsui Alunoas sill ,Cq paznoas stuns at i Agd op paig5iigo Aiiguosiad 1ou sI (q) ua11 n.i sui ,cpunoas slip 3o suual alp zapun Alzadozd all ut Ismaili! sjau5is -oo ail /Canuo0 pug luga `agauout op AR) )uauunusui Ap step gupaIs -oo s1 (u) zau5is -oo„ E) OWN ail ntinica lot swop ing puaumu)sti Allmon slip suds -oo oqm zamoz /og Cue `zanamog -pianos pug )idol aq iiegs iltitggti pug suopu2iigo manning imp saa .'2g pug slugrano° 1 A&O1Jog •punog suilissy pug saossaaans '.saauSis -op fliiiggi -I ieaanas pun luiof '£I •iipauIaz JO 11451.1 /Cue Jo aslozaxa alp apnpazd zo JO 1antgm a aq 1011 !imp `anp uaip punouug alp uuip ssai spunotte ut /o zam011011 JO )SOJOIui ul szossaoons /o sappua `suoszad pipp uiozj sluattard Jo aougidaoog s,1apua'i `uopg1tuiti Jrunplm `gutpnioui Apautaz /o 11011 Cue 2uisiai xa ui zapua-i Aq aouuueagzo3 Auy •zamozzog Jo isaza1ui ut szossaoons 1Cug 10 zamozzog Iuutffuo alp Al apart puguuap Cue 3o uoseai Aq )uaiunllsui Animas sap Xq pamoos stuns alp JO uofigzi).iome Annul aSim1aipo zO luauUIgd /03 amp puaixa 0) asnJaz 03 10 zamozzog JO isaza)ui ut /ossaoOns Aug ;Stie$e sguipaaoOZd aouaututoo of pazinbaz aq 3011 iiggs /apual •1amouog 3o lsazapui ut szossaoons Cue zO zamozzog JO Aug!' alp amp.' 03 aiezado 30u iiegs zamozzog Jo isazaiui 11t 1OSSOOons iCue /o zamozzog o) zapua-i Aq palter ivaumzisui Alun0as sip) paznoas stuns of p Jo uopuz f .'omig Jo uop1OgipoU1 /0 luauuJCgd zo3 aunt alp 3o uotsua1xg •aaAM t E aou i aapuai Cg aaueaeagao3 '.pasnaiag 3ON aamoaaog •ZI z uopoas m10.1 pop lap /o ail ut patidde aq iiggs ICUadozd alp Jo /ludo.' JO U0EJOISP/ of patiddg lot an leap spaaOOld snoaueiiaoslIAI 1IV /apuai 01 plod aq imp put pauBissg �Cgazal azg 410dozd ail ul isa /aput s, /apUaJ Jo puauutediut alp 03 aigepnquppg azg 1g111 sagtu p zo; UItEIO JO pzgmg Cu .e 3o spaaoozd aly •luaumz)sui ,C)unOas slip zapun siti5p JO iS11 dozd all ul )saza1ut s 3o luauulgduui puma! zaipo 10 Ap1ado1d alp 3o ainnnap sapnioald `puaudpnf s,zapuar ul `;gip 3utpu g ilim passnuslp aq of $utpaaoozd JO uopag alp &ulsnmO Aq `61 uolpoas ul papinozd su apg)sulaz `pa1zn33o sgq uoipe1aiaoou Ji `pug lin'Jap u Icons azno ugo zamozzog •puatunusui /tiunoas stp zapun slip!' JO ii /ado1d alp in isazaput s Jo puauutgdiut ieuap no) 1O Auado .'d all Jo aznlla3 /o3 ut lino.' pinoo `ivaumapnf mapu0' ul `pail un5oq si `iuutuuua JO iintO 1afpogm `5uip0000zd JO UO1)0E Aug ji )Inejap u! aq iiggs zamozzog •spaaoozd snoaueiiaOS1JA o) Nan uolpog Jo pl$u g sel IOMO /Og uuogm isuie$e Aued of p /0 spaa0old snoaugiiaOs1JAi 10A 011Og samo pulp )(Ind p1iip all sugow „Auud guisoddp„ •anp uoip iou 10 1alpalm `luaum/lsui Animas sill Aq paznoas sums aup 03 /o i(uadozd alp JO /ledaz /o UOIIVVOISaz 03 1014110 spoon,' snoaueiiaOS1 alp Aiddu put 1Oaii0O op pazuO SI zapua'i `uani$ s1 a0pou alp amp atp 1olJg shp p£ ut14pim zapua-i 01 puodsa.' op siie3 zamozzog `sageiuep /0J 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: 0050051127 WYOMING-Single Family Fannie Mae/Freddlo Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) (Initials 704 orm 3051 3/99 (page 11 of 15 pages) MWY1ICV AOCIAMW (sa5ed gL Jo dl aged) ss/e ►soe WJO 00 /E 'u 1N3WnN1SNl WHOdINn OoW •IPPAIAMOVi Nuuva W B. eIBWSONIWOAM L21150050O ueo-f ydS321 uopeuuoJuT zatpo Cue pue open' xi moils sluauu,Ced "IoTgM of ssaippe alp `zaOTAJOS ueo-I Mau agp jo ssazppe pue au'su alp 03e3s 0111 3o aouou uaf TIM UOA oq IITM zamozzog `zaowas ueo-I atg jo a;iuego a si azagp 3I •alorl ain jo ales a of p03elazun zaopuos ueo-I atg jo so2uego azoui JO auo aq Wuxi osp mu •MeZ aiquoilddy pue `luaumzlsul A3unoas slip `alorl agp zapun suoife5ggo 5ulo!nzas ueol o5rffnou za"I3o stuzojzad pue puaumzpsul A3unoas slip pue a3orl agp zapun anp s3uauiited oipou0d s3oalloo imp „Jooptias ueo1„ am se umoml) Alpua am ui auego v ui 3lnsaz 3g2pu ales y •zamozzog 03 00tlou loud fnol1TM sau'p aioum JO auo plos aq tiro (luaumpsul Aplmoas spp glint Jaw5o3) al0N ai3 UT Isamu! letp:ied v zo alorl agZ •aauUAaliJ 3o aapoN inapAaag uuo7 Jo a2ueto :a10N. 3o aius 'OZ 81 uopOOS zapun uopezaJ Ooe 3o aseo a'l ut Alddz Sou tIegs alv3sUTaz 0f 111511 sill `zanamog •paun000 peg uorpeialaooe ou 3T Se am) 30 33 0 X1In3 mental mils Agaza"I pamoas suopmRilgo pue luauninsul 'Clue °as snip `zamozzog Aq ma monism% uodn •za;suers spun ornonoalg (p) zo Appua JO AuT13uaumz1sut `Xoua3v mop03 paznsUT aze snsodap asogm uopmpsui ue uodn uMe1p st 31oogo lions Niue papTnozd 'pogo s,za'"Iseo JO 3100110 S,zamse0z1 Vago 3Iueq `pa "Io pagi3zao (o) `zapzo hum (q) `gseo (e) :zapua-I ziq paloalas se `suuo3 5utmollo3 ag3 3o aim zo auo uT sasuadxa pug sums 3uau'a3msulaz lions iced zamozzog 3etp gimbal Arm zapua-1 pauegoun anupuoo pegs `3uaumz3sul JC3unO0s slip Aq pamoas sums aqp Ard o3 uopeaggo s,zaMOZZOg pue `3UaTUn'3SUI ,C3tmoas STm zapun s3g$u pue AUadozd ail u' 3saza3UT s,zapUoi legl 0znsse o3 azmbaz Algeuosvaz AMU zapua-I se uopoe lions sOlep (p) pug `.luaunulsul Alunoas sell 'own s3g5u pue iC3zadozd aq3 ui Isamu! s,zapuaI $upoolozd jo asodznd ag3 zo3 pazznout soap zagpo pue `soap uopvnlen pue uopOadsuT Apzadozd `soap ,sICauzolle algeuoseaz `03 pa3ituTl Sou inq `ilutpnloui `3uaultulsul ,C3unoas spp 2UTOZO3ua TIT pazznOUT sasuadxa IIe sued (o) `.s3uau'aa1Te zo s3uruanoo zag3o (ue jo llne3ap Aug sazno (q) °pazm000 pei uouezalaooe ou Jr! se a10N ail par luotunnsUl ,Clunoas slip zapun anp aq pinom nail goigi stuns IIe zapuaZ SAed (e) :zamozzog 3eil ale suoi3ipuoo aso"IZ •3uau'nz3sul IC3unoas snip timato3ua 3uaut5pnf v jo AIM (pi) JO :ale3su1az o3 1 115T1 s,zamozzog 3o uopealuua3 aq3 zo3 /Cjoads WTI mwi algeogddy se pouad zag3o "Ions (Tr) :puaumzpsul Alunoas STIR uq paupe3uoO ales jo zamod Cue o3 3uvnsznd Auadozd ag3 3o ales azojaq sAep ang (T) :30 lsagzva otp 03 zoud aunt /Cue 3e panupttoosip 3uaumz3sul *moos spp 30 3UautooJojua aim' 03 345'iz 0t 1 anvil Ilegs zamozzog `suopipuo0 u! 3zao spout zamozzog 3I •uopnaalaaay Jaw arelsuiag o; 3g2Tg maMOaaog •61 •zamozzog 110 pue11zap JO 0opou zaiun3 3IIOTMM 3uaumz3sul ,ilTmoas s111 pa13TtuI d satpaut% Auv a)lonu! feu zapuoi `pouad spp jo uoi31z'dxa at p of zoud sums asap /Cvd 03 sue; zamozzog 3I •luaumzlsul Aiunoas sup ,Cq pamoas stuns t1e /Cud ism zamozzog poigM ultptM SI uo13Oas Tf1M aOUVpz000v u' uan1S st aoi3ou 0111 a3ep ail T110z3 step HE uet13 ssaj 3011 JO pouad e apinold Reis a°pou agZ 6110pezalaOOe JO 0011011 zamozzog OATS Avis zapu0'I `uopdo STif SOSTOZaxa zapua' i MuI Iez0pa3 Aq pa3Tgigozd 5! Os!OZaxa lions 31 zapua-I ,Cq pas!OZaxa aq 3ou Hulls uopdo spp `zanamog •1uatutulsui 1(1Tm0as sap pamoas stuns 3O Iin3 ui 3uau'APd a1elpaluw1 azinbaz divtu zapuol `3uasuoO ua33TM zoud s,zapua-I minim (po.uojsuvz3 JO Nos sT zamozzog uT 3saza3ul irlouottoq a par uoszad Ivmivu a 3ou sT zamozzog 31 zo) pazza;suvz3 zo plos sT 3zadozd ail uT Isaza3u' /C11e zo IC3zadozd ail jo ued 1iue JO Hu 3I •zasegoznd a o3 alp azmm% a 1e zamozzog gig app 3O zaJsuvz3 x1(3 sT gOnIM 3o mom! a"I3 `3uau'aaae moms° zo 30vzluo° sales 3uau'lielsUT `poop zo3 30ez3uo0 `poop zo3 puoq e u1 pazza3SUez3 sisaza3ui ivTogauaq aso"I3 `01 pa1itUT1 3ou fng `5uipnlouI `AUadozd 0111 111 3saza3u' ppi JO 1e5a1 Aug smut „A3zadozd a"I3 111 3saza3ul„ `81 uopoas sill uT pasn sy •aamoaaog uT 3saaaluj Itiialauag ti ao Spadoad alp jo aaJsu8JZ •S1 UF A.1lLs 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: 0050051127 WYOMING-Single Family Fannie Mae/Freddi.Mac UNIFORM INSTRUMENT I.T. 3/00 nitials Initial arm 3051 3/99 (page 13 of 15 pages) MWY13CV 766 AOULAMW (se5ed 9L Jo tiL eyed) 56/C MC !IBI1I�u SIIMU 00 /E '1'I 1N31 WUOAINfl eUW SIPPS$&. 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H 'SINVN9AO3 bARIOdINfl NON 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Securit nstrume t and in any rider(s) executed by Borrower and recorded with it. STATE OF WYOMING COUNTY OF LINCOLN [Space Below Thls Line for Acknowledgment] ss: (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower On the i1 day of /)-e A.D. 2000 personally appeared before me ROBERT V MANNING and SHERYL MANNING the signer(s) of the above instrument, who duly acknowledged to me that he /she/they executed the same. C.B. NE &REINHART NOTARY PUBLIC County of Stated Lincoln :th _`1 Wyoming e Commission E::plres March L8 2001 My commission expires Loan Number: 0050051127 3 -I O 0 1 WYOMING-Single Family-Fannie Mas/Fnddis Mac UNIFORM INSTRUMENT I.T. 3/00 Notary Public residing at: Initial Initials orm 3051 3/99 (page 15 of 15 pages) MWY15CV 708 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN: Charlotte Neel- Reinhart STAR VALLEY RANCH LOAN NO: 0050051127 PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made 20th this day of October, 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 (the "Borrower to secure Borrower's Note to First Security Bank, N.A. (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 637 CEDAR CREEK DRIVE, THAYNE, WY 83127 The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in SEE ATTACHED SCHEDULE A (the Declaration The Property is a part of a planned unit development known as (the "PUD The Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the Owners Association and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's i [Name of Planned Unit Development] i [Property Address] 11 0 D i MULTISTATE PUD RIDER Single Fam y -Fann e Mae /Freddle Mac UNIFORM NSTRUMENT FORM 3150 3/99 I.T. 10/99 (page 1 of 3 pages) 709 Initials Initials R S1PUD andaswa letuui SIe am Jo puaura'Eaeur Sias 3o uopdurnsse pUe 1uauraeueUU jEUOissaJOZd ;o uopeutuual (iii) :zapuaj jo ijj uaq ssazdxa aTii zo3 st uorsrnozd aT'p 3i „sauauTnooc luanlpsuoD „affil jo uorsinozd Aug of auawpuauTe /Cue (r!) :uuuiop tuaUTUra 10 uopETTuiapuoo Aq &rpm e ;o ono alp ut JO ,CliensEo zaipo zo op; Aq uoponzlsap tepuEnsgns 3o asuo am ut mei Aq pannbaz uopeutuual JO luaumopuugE zo; tdaoxa `and aril 3o uoi ;Eunuzaa to ivauruopuege aga (t) :off luasuoo zo filmdozd aria aprATpgns 10 uoppnnd zaTpta `puasuon ua11uM zoud s,zapual Tpim pm zapua7 01 aOpou mug idaOxa `1ou tiEgs Jo/mama •luasuo3 aoi.id s,.rapua-i •g i i uoi1oas ur paprnozd sE luaurrupsui A1rmoas °Tip 'iq pamoas sums aria 01 zapua-T Aq patidde aq Togs spaaoozd pons •zapua-i of pied aq hugs pue pau2isse iCgazag arE `uopeuurapuoo Jo nail ITT aOUeICanuoo /CUE 10J JO `and alp jo sapittoe; pue SE= uoUUUOO aria 10 iClzadozd aT'1 3o lJEd Am zo HE JO gupiea zagi0 z0 uoraeuumpuoo /Cue palm uora0auuo0 uT zamollog w aiqu ed `iepuanbasuoo zo 1Oazrp `saE uEp zo3 TutE'o zo pJEME ICue ;o spaaoozd agy •uoipsuwapuoD •Q •zapua-i of a jo mama pm 'mom `Urzoj TIT aigiidaoo1 Aoiiod aouemsut i1tpge1' °Tignd E stimmluteur uop1TOOssy mum() alp min aznsut of atgeuoseaz aq ,Ceuu sE suoiao1 IOnS alien pulls zamozzog •aau>unsui Appgni'I 3 1gnd •zamozzog of pled `AtmJT `ssaoxa aria ppim `anp uaga 1011 10 zag1agA luaumz1sui A1Tmoas aria Aq pamoas sums am o1 spaaoozd aril Aidd& pegs zapuaj •zapua-i 01 pled aq 'tugs puE paugisse Agamti °zE zamozzog op aigIiCed spaaoozd Au1 'Gad alp 3o sapiiioej put SEAR uourul0O 01 JO `A1z0d0zd aria Op ssoi a gurmoiio3 pedal zo uotiezo1saz Jo nap ut spaaoozd aOUemsat S1zadozd 3o uopnqulsip a Jo loan° aril ui •Aottod 1a)1Ue'g Io za1seUI aril iCq papinozd a2EZano3 aoueznsut Apzadozd pazinbaz TIT asd1i Au1 jo aopou lduzozd zapua-i anTs pugs JOM0110ff •1!1101 aria 3o Tuzaa aril &uUnp a&uegtn tin zanTEM sTT{l jo uor1TpuoO E Se sazrnbaz zapua'i pegm iiotiod uopeTOOSSy szaumo aril Xq pap st a2EZan0O pazmbaz aril 11T'a mama aria 01 pagspes paUZaap st Alzadozd aria uo agezanoO aouumsut ifazadozd urelu1EU1 01 S uopoas zapun uope2ijgo s,zaMOZZOa (TT) puE `.A1zad0zd alp uo aouemsut iCpzadozd zo3 sluaTU11ElsuT umltuazd ,C1zeaX °111 Jo zapua-i 01 luamAed A'gluoui aria JOj uotloas ut uoisrnozd alp SanteM Iapuai (T) :uag1 `aoueznsut sazmbaz zapua-i TjOigM zol `spoog pug saAenbTilzea `01 papal!' mu inq `2utpniout 'smug zaIpo Sue puE „`ag1ZanoO papuaixa„ n1101 aTia uUpTM papnioui spent' `a1T3 I(q ssoi iSU!E2e puE `spouad alp z0j '(S'°na' aigiponpap Ru!pn'out) sumo= alp TT aREZaA00 03Ueznsur saptnozd Tiomm puE zapua -i op ,Czop3E3spes st tplgM Alzadozd aI'p gupnsui ,Cortod „laqu1'q„ JO za1sEUi„ a `zaiz1RO aoueznsu! paldaoo1 ,Citezaua TiaTM `SU1Eiu1EU1 uoi1ETOOSS• mum() alp se gUOJ os •aauuansui Ap.radoad •g •s1UaUrfOOa 1Uan1ilsuoJ aria o1 luensznd pasodwt SluaUrssasse puE sanp iie 'arm uagm `iced iipdumzd pugs zamozzog •u0l3ETOOSSd szaUM° alp Jo suopeingaz JO Satnz zaTpo JO SMEi -Aq LCue (nt) puE :110pE1OOSSy SzauMO aril sa1Eazo gotgm watunoOp 1uaienmba ,fIIe 10 1uaumrasut 1Snzl `uopezodzoout 3o Salnp1E (tt) :uop1Z1JOaa CO am am „sivaurnooa auanitlsuo3 agy •sivaumOOa lua1T1psuoJ OT/ (se5ed a /o E (Zed) 66/01 1 66/C OSLC WUOA .114310MILLSNI modINn oew oIPima /eRyy eiuuu-- kIlwed 6 I 6 u1S 113aI!! and 31ViSI1lnW LZLLg00g00 :ON NvO1 v4iPorlig0 annum TTL (seded E Jo E e8ed) 66/01. 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JO `.uopeioossy mum() 0 712 SCHEDULE A COVENANTS, CONDITIONS, RESTRICTIONS, AND EASEMENTS, WHICH CONTAIN NO FORFEITURE OR REVERTER CLAUSE, AS CONTAINED IN INSTRUMENT RECORDED APRIL 2, 1979 IN BOOK 154 PR ON PAGE 649 OF THE OFFICIAL RECORDS OF LINCOLN COUNTY, WYOMING, BUT DELETING ANY COVENANT, CONDITION OR RESTRICTION INDICATING A PREFERENCE, LIMITATION OR. DISCRIMINATION BASED ON RACE, COLOR, RELIGION, SEX. HANDICAP, FAMILIAL STATUS, OR NATIONAL ORIGIN TO THE EXTENT SUCH COVENANTS, CONDITIONS OR RESTRICTIONS VIOLATE 42 USC 3604 C. AMENDED COVENANTS, CONDITIONS, RESTRICTIONS, AND EASEMENTS, WHICH CONTAIN NO FORFEITURE OR REVERTER CLAUSE, AS CONTAINED IN INSTRUMENT RECORDED DECEMBER 19, 1991 IN BOOK 305PR ON PAGE 248 OF THE OFFICIAL RECORDS OF LINCOLN COUNTY, WYOMING, BUT DELETING ANY COVENANT, CONDITION OR RESTRICTION INDICATING A PREFERENCE, LIMITATION OR DISCRIMINATION BASED ON RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS, OR NATIONAL ORIGIN TO TIE EXTENT SUCH COVENANTS, CONDITIONS OR RESTRICTIONS VIOLATE 42 USC 3604 C. COVENANTS, CONDITIONS, RESTRICTIONS, AND EASEMENTS, WHICH CONTAIN NO FORFEITURE OR REVERTER CLAUSE, AS CONTAINED IN INSTRUMENT RECORDED MARCH 13, 1992 IN BOOK 3,08PR ON PAGE 21 OF THE OFFICIAL RECORDS OF LINCOLN COUNTY, WYOMING, BUT DELETING ANY COVENANT, CONDITION OR RESTRICTION INDICATING A PREFERENCE, LIMITATION OR DISCRIMINATION BASED ON RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS, OR NATIONAL ORIGIN TO THE EXTENT SUCH COVENANTS, CONDITIONS OR RESTRICTIONS VIOLATE 42 USC 3604 C.