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HomeMy WebLinkAbout868664v l This Mort ga tiOBTOU5 t WHEN RECORDED MAIL TO First Security Bank, N.W. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007689904 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 September 28, 2 0 0 0 together with all Riders to this document. (B) "Borrower" is RONALD M HOLDAWAY and JUDITH K HOLDAWAY, husband and wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. Lender is a Corporation organized and existing under the laws of The United States of America Lender's address is 485 Washington Afton, WY 83110 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated September 28, 2 0 0 0 The Note states that Borrower owes Lender One Hundred Fifteen Thousand and No /100 Dollars (U.S. 115 ,.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 October 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 V 11 i 11 11 Space Above This Line For Recording Data i MORTGAGE u WYOM NG- Single Family- Fannle Mae/Freddie Mac UNIFORM INSTRUMENT 1.T. 3/00 RECEIVED 453 128 Boo__ PR PAGE,__ Initial s Initials Form 3051 3/99 (page 1 of 15 pages) MWY01 CV (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]: n Adjustable Rate Rider n Balloon Rider 1 -4 Family 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. (1) "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 Loan Number: 0 00 76899 04 n Condominium Rider Planned Unit Development Rider E Biweekly Payment Rider W YOMINO- Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT FSB 0B /00 (Initials) 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 Initials) W4/ 0-1 Second Home Rider Other(s) Mortgage Insurance Rider Form 3051 3/99 (page 2 of 15 pages) MWY02CV 129 A3EOAMIN (sabed g !o E abed) sale 140E WJOA wee (s!e!t!u, (sI !4!uI oo /E •1•I iN3Wn111SNI WHOmn e'W SIPPµ4II Vl e1WaId OI lIS ONIWOAM b06689L000:aagwnN ueoi •1aisugiy spund oiuoiloajg (p) Jo Alpua io `AliTgluauun.usui `,Couagg rpm u Aq painsui an spsodap asotjm uopnlnsui up uodn UMW si loatp lions Aug papinoid `i'oago s,1au spo xo loago s,iainsgail 5pago ?jui q 'ratio paijiliao (o) `.rapio Sauom (q) `gspo (g) :iapual Aq props si `suuo; 2uimo'jo; alp 3o aioui Jo auo ui aputu aq luauuulsuj kipnoas slip pup aloN alp iapun anp sluatuAgd luanbasgns IIg io SUE Imp aiinbas Aral iapua'j `piudun iapua' of pauinlai si luaumilsu' (Ipnoas site so aloN ail iapun IuawAud su iapuaj ,Sq paniaoaa luauinilsui iaglo Jo polio Aug ;r `ianamoH •Aouaizno 'S'f1 ui apgui aq putts luaumilsul IIUnoas stgl pup aloN alp Japun anp sluatu6gd uotloas of iupnsznd stual' moiosa .io3 spun; ,Cpd osp! 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Aq paianoo aq osp Ilggs suowppg pug sluauiaog'dai Try •AIzadoid alp Jo ligd p Jopgaraq JO MOU sainlxg pug `saougualindde `sluatuasga IIg pug `&l.iadoid atp uo prop za2Jgoiag .Jo Mou mama/with!!! PITT ITg HIIM 21 IH LE1DO L „ssa1ppy Aliadoid [dill [AlID] /2 ES $uiui"M 3NAVH1 [pails] (MOH NVWOHVH Z9l1- Jo ssaippg all sit! 6lluaiino intim •ONIWOAM A.N(100 N103NI1 AO SOHO33H 1VI3IddO 3H1 NI 0308033H ONV 0311Vld SV (81) N331H0I3 1Vld HONVH A311VA HV1S NI (PL) H004 101 [uoiloipsunf 3uip1ooa213o aurN] [uoiloipspnf Ruipiooall Jo adAjj N103NI1 30 A,LNI103 alp ui palgool Suadoid pagposap 3uimollo3 alp 'ap s 3o .iamod glint `suaissp pug sioss oons s,zapuaal pug 1apua-' Ol tiaAUOO pug luta Wallow tigaiag Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any Loan Number: 0007689904 WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) (Initials) f/0 Obb8tAi4 Form 3051 3/99 (page 4 of 15 pages) MWYO4CV 131 A3SOAMIY (so5ed gL 10 g o6ed) ewe Gsoe uuoj ZET 00/e Ti 1N3Wntl1SNI !N!IOIINn *tow elppwaie W eluu,d__NlWed e1BuISONIWOAM 1706689L000:JoqumN ueo] iggai `uT mu am Jo luamammmmaa SUB spua;ap Jo `Aq giti j ma ITT ua1i agl slsalu0O (q) `.lu0uxaaJgg eons BuruuojJad sr Jamonog se &ioi os Siuo lnq `Japaa -j o1 aigeldaoot iauunui E Ut uag 0111 Aq painoas uoilr$tigo aip jo luaurdud am o1 $u11iM uI Saaigr (e) :JamoJJog ssaiun luannumui AlpnOaS sup Jan) Apioud suit 'palm uati Sur aJUgostp Ailduxoid hugs Jamouog uO 1OaS ur paptno1d zauutiui gill ut uiagl At hugs Ja&OJJOg suiali MOJOSH azr SUM! asagl mm mama am oj, *Sur 3r `sluamssassy put `sang `sang uotle!OOSSy Al put `Sur 3r `S1JadOJd 011; uo slua1 punOJS Jo sivauxSed piogasuai `luauxnJlsui ApunOas stgl Jam Aluoud umur uuo ipigm A11ado1d 0111 of aiquln SuotlTSOduir put `saute `saamt `sluamssassu 'sum iie Ard prgs Jamozzog •suai'j :sa$angj •15 •Japua-i Aq Nag spun due Jamozxog of punja1 Spdmoid pegs Japual luaunulsui AlrunoaS sup Aq paznoas sums tie 3o iin3 tit luamAed uodn sluaUTJSed A1g1uoux aniaMm ui tp aJOUt ou lit lnq `ydSgu glrm aourpIOOOr ut douaior ;ap agl dn a3iuui of datssaoau lunoum agl Japuai 02 And hugs aamouog put `ydSg2I Aq pa tnbai Se JamoJJOg 4i1011 iiegs Japua `ydsgg Japan paugap Sr 'mama ur piag spung Jo douarogap t sr amp ;i •sivaurdtd digluom aniaM2 uugl azour ou ur mg `vdsg2i g1Tm aouupr000u ut a?i logs pip dn app ut of Amssaoau lunoure agl Japual of Agd hugs JaM01J0g puu `ydSgd Aq pannbai sr Jamoiiog Sjuou prgs Japua-i `ydsaJ Japan paupap se `MOJOSa Ur matt spung ;o aag1JOgs e st aJagl JI 'ddS32I ri1TM aOUtp1000e ui spunj ssaoxa agI Jo; JOMO1JOg Ol 2Un000t ITS Japuai `ydSg)i Japan paugap St `MO1OSa ur Nag splin Jo SnidJns r si a1at 2 JI ydS3'J Aq paxtnbai sr spung agl Jo huilunoOO1 pram ur `amp InO111TM `JaMOIJOg of antis iitgs Ja)UaZ •spung alp uo ptd aq Iltgs ma'am! lggl `JP/kg/Mil �UT1UM ur agar ueo JapuaJ puu 1 MO1JOg spung agl uo amain Jo lsaxalut Alt JaMOJJOg iud of paptnbaw aq iou iiegs Japual `spung agl uo pp d aq of lsalalur sap mr1 aiquotiddy Jo RuUT1M ut apuui ST luamaaag Ut SSalun •aBJrgo Y, gons alum 01 Japua snuuad Mt-i aigrotiddy put spung 0111 uo Isamu! 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If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone determination, certification and tracking services or (2) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if Loan Number:0007689904 WYOMING- Single Family Fannle Mae /Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) (Initials) OS68664 Form 3051 3/99 (page 6 of 15 pages) MWYO6CV 133 AOLOAMW (sa5ed 9l Jo L e6ed) sets Isoe w,od '£T •asnno aigeuosuaz lions 3uiJIoads uopoadsui 1oua;ui ue lion o; zoud JO 3o aunt; aq; ;s aOpou zam0110g anTR HET zapU J •,i;zadozd alp uo sivauzano .'durt alp jo 1oua;ui alp ;oadsui ,Cent .'apuoZ `asnro aiquuosea.' suq 1! ;I •/C1 "ado .'d NI ;o suopoadsui pus uodn sau;ua aigruosraz axruz Ariz mph sir JO zapual •uoptzoisaz JO 1Teda1 gons jo not ;aiduzoo ag1 "o; uoiii qgo s,zamo1zog 3o pananai 1ou st JOMO.uog `A;.zado1d alp azolsa' "o "redo.' o; ;uaTot ;ins ;ou a "s spaaoozd uoT ;suuzapuoo "o aousznsur aq; ji •pa ;aiduzoo s1 VoM alp ss smut/cud ssaz3ozd ;o satzas t uT "o ;uautAtd ai3uIs e ur uopu "o;sai put s .'redaz alp "o3 spaaoozd as1ngsip kern "apua-j •sasodznd gons "o; spaaoo "d poop.' ssq "apuaj 3T /Ciuo C "adozd alp BuTzo;sa1 "0 3uiin da" zo; aigtsuodsaz aq hugs 1amofog 1ado "d aIp `Jo 3upisl alp 10 `0; a. Urep gJM uomauuoo ui pied a "u spaaoozd uopsuuzapuoo "o aou1znsui 31 •aTuurep "o Uopezot"alap "aTp "n3 pions o; pa rturp 3T 'C11ado "d aq1 imda" Apduzo"d iitgs "amollog `aigtsra; diisottuouooa 1011 sT uo11e1oisa1 "o "redo" 1eg1 s uot;oas o; lusnsznd pautuualap sT 1t ssaiun •uompuoo 51! o; anp =Tun uT 3UTsuoz30p "0 311t11Uoualap uU013 iSlzadozd aq1 1uanazd 0; za1/10 111 iS11adozd alp UTs ;UTsuz HMIs zaMOJJOH `41zad01d 0111 Ut 3UTptsa1 st 1amoz "0g 1011 "o zaq ;agm •/(;"ado "d aq; 110 0)s1M ;tuzuzoo zo a ;u10U "a;ap o; d11ado "d alp moils `41adozd alp "isdurt 10 a3sump `,Comap ton bugs zaMOZ .'og •suor ;aadsui ',f1aado "d aq; Jo uol ;aa ;o "d puu aauuua ;uiuysi 'uotlunaasaad •L io";uoo s,zamozzog puoiiaq o"u goTgM ;sIxa saOut;suznO .'TO 3ui ;unua ;xa ssaiun JO `piaggllm (iquuosua"un aq 1011 [Eggs ;uasuoo gotgM 'Rut ut saaz3s asim .'aq ;o Japuaq ssaiun `/ioutdn000 ;o amp am "aa ;u zua/C auo ;suai ;u 10J aouapisa" iudiouud s,"amozzog sr ,C;zadozd aq; Adn000 01 anupuoO hugs pus ;uaUln.'lsui Alunoas sig; jo uopnoaxa alp .'a ;e sirup if;xis u1q ;Tm aouaprsa1 ied!out "d mamma se diizadozd alp asn pus `gsggslsa `i(dn000 hugs "amozzog •,fau>ednaaO •9 °anp uotp 1011 JO zaglagm °;uaunuIsui ,inznOas srq; "o aIoN alp zapun pTudun sluno= Cud 03 "o ,ii "ado "d aq1 a10 ;sal "o "teda" 01 zaglja spaaoozd aouu"nsuT aTp asn /cm zapuai •/Cuado1d aq; Jo 03 131an00 au; 03 aigsoiidde am s;ggii gons sr .'uJosuI `1C1 "ado1d aq1 $uuanoO sa1Ogod aOUr. "nsut iii zapun (1amozzog Act pitd sump /aid pauzuaun jo punjaz Pius o1 11311 alp urtp zaglo) s113r1 s,1amo11og ;o zaglo (z) put ;uauznz ;sui A;unoas spy 10 010N alp .'spun pn3dun siunoure paaoxa o1 3011 lunoure us ut spaaoozd aOUSZnsur Niue o; s ;g3i1 s,1amoz "0g (I) Japing 03 suRTss1 /Cgazag zaMO "log `OS1MZ01110 JO zZ 110T1O0s zapun dilzado "d alp sazrnbos 1apua-i 3t 10 'mono zagna III •uan!3 si aoiou ag1 uagM ut3aq IITm pouad Xsp o£ atu, lump alp apIas pus a1s1o3au Amu 1apuai Imp 'lump u alms 03 pazngg° seq 10U".'sO OOUSmsuI atp leg; zapuai 111013 aopou u 03 slit') OE UH.pTM puodsaz 1ou saop "amoz"og 3i •s"a1;uTU pomp.' pug un p aousznsut aiquiTunu /Cur aims pus a;epo3au 'am JSeuz zapua `4.'ado .'d alp suopuuqu zaMOJIOH 3I •z uopOas uT zo3 papino .'d zap "o alp u! paTiddu aq iiegs spaaoo .'d aOUeznsut lions "OMOZ .'og 01 pied 'SUE 3T `ssaoxa aq; g3!M `anp uagl 1011 "o za ;agm `;uaum"lsui 11!1fOas sIIp paznoas sums ag1 01 middy aq 1egs spaaoozd aouu1nsu! alp 'pauassai aq pinom ,i;unOas s,1apua-i "o aigTsea3 iiiro!tuoUOOa 3011 st "redo" .'o uot;ezo ;sa" am 3i "aMOJJOH 3o uoi ;u3ggo aloe ag; aq hugs puu spaaoozd aOUS"nsut alp 3o )no pmd aq 1ou lugs lOMOZZOg pauTuma' 'sawed min =no zo `s"alsnCpu otignd .'o3 saad •spaaoozd pus uo s3utu"ua JO Isa .'a ;ut Aus "aMO"zog Std o1 pa .'rnba" aq 3011 hugs zapua l spaaoozd aoueznsui lions uo pied aq o1 Isa .'alu! sa .'Tnba.' Mt'i aigeOtiddd JO qu! ;T1M 11t apeuz sI ;ua1Uaa131 1111 ssaiun •pa;oiduzoz s1 )i "OM am sr sluauziied ssaz3ozd jo sauas a III 10 1u0UTdSud aJ$Uts a ut uoprzo ;saz put s1Tuda1 alp "o3 spaaoo "d as1ngsip Auuz zapua'i •Xi;duuozd ua)is;1apun aq Timis uotioadsui gons mill papino .'d `uopoeJsIlus s,zapua' 01 palaiduzo0 wag seq )i "oM ag; aznsua o1 dii"adozd lions 1OadsuL o; A1Tunlzoddo us put seq .'apua'i 'pun spaaoozd aour,1ns11 gons molt o; ;g3iz alp anuq iiegs zapuai `pot "ad uot;1z0lsaz put 1111(101 gons RutznQ •pauassai 3011 Si d(;unoas s,1apua1 put woo kITtoiuzouooa sT 1itda1 10 uopr. "o;sa1 aq; oo /E •1 1N31WIa1SNI PIUOdINn aim slppemteeW eluued 1!W sl d06699L000:iegwnN usoi 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: 0007689904 WYOMING Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT 1.T. 3/00 init als) O 8 4 135 Initials) Form 3051 3/99 (page 8 of 15 pages) MWYOACV A060AMW (se5ed g )0 6 abed) 66/C LSOC WJGa 9C1 bil/Y (sleglul) 00 /C •1'I 1N3114fUASNI WUOAINf e'W e1PP&U /e 066164- -Nlwel e10t -DNIWOAM 006699L000:JegwnN ueo1 lumpy E aims o) pluuu ug oval o; sia33o (aauaauas axau am ui pupal) sg) Sued 2uisoddp aqa imp lamollog o) lapua-I tiq aapou 1aa3E `3i 10 `lamollog tug pauoputgv, su tialadold am 3i •anp um") a1E SUMS ail; JOU 10 lagaagM auauunlasul tiaunoas siq) tiq palnaas stuns alp oa patiddu aq pegs spaaaold snoaUEllaastN alp Tutat1M ut aaJBE astmlagao zapua'j puE laM011og Ssalun 'awn ut SsOI l0 `uOpatuasap `fiupplt pppltd aqa alopaq tilaamtpauutut pa.inoas sums ails 3o aunoum aga uuga ssap st anitn ui ssoi to `uoponlasap luDpua p uinid alp alojaq tiiaaEipaunui tialadold am 3o anitn aa3p1ELt 1t13 Pip IlaigM ui tivadold ail# 3o aniEn ut ssoi to `uopatuasap `$uppn repnEd E JO MAO aqa uj •1amo11og oa pn d aq pJEgs aoutpEq tiny •aniEn ui ssoi to `uonznlasap `Ruplei puui d aqa atopaq tilaaETpatutut tSaladold aqa jo anitn aav w .ing alp (q) tiq papintp aniEn ut ssoi l0 `uoponaasap `2upiE1 ltp1Ed aqa alopaq tilaatipaunut palnaas stuns am 3 iunoun p pm aqa (E) :uotpoul; 5uimoplo3 aqa ,iq patldppnur spaaaold SnoauEilaoSJA am 3o 7unoum aqa Cq paonpal aq 1ptgs auawruasui Al slip tiq palnoas sums aqa `5upum ut aa.ISE asiMlatpo zapua-I puE .PMO1Jog ssalun `aniEn ut ssoi so `uopotuisap &unp 3 irpltd aqa alopaq ,iiaaEtpauuup luaumlasul /Saunas sup tiq palnoas sums am jo aunotuE aqa mill mega 10 01 pEnba st omit ut ssoi 10 `uopanlasap Tunpp1 IEpltd aqa alopaq SlapEipauuuut tialadold am 3o aniEn 1 )111UI 1tu3 Pip gaigM UT tialad0ld am JO aniEA UT ssoi JO `uotaotuasap jtp1Ed E 3o lima am ul •1aMO11og oa pttd 'Sur 11 `ssaoxa am IWM `anp uaga mu 10 laipagM `auautnlasul tilunoas sup tiq palnaas stuns am 03 middy aq pptgs spaaaold SiMPUEipaasiy aqa `uuadold aqa JO aniEn iii ssoi 10 `uoUanlasap `&IDjE1 IE3O3 E 3O auana PM III •Z uopaas ut 103 pap 1apio am ut patiddE aq logs spaaaold snoauullaasTJAI lions •lamollog 03 mud `riuE 11 `ssaoxa aqa tp!M `anp tail) aou 10 lagaagM `auattunlasul ,iaunoas sup tiq palnaas sums am o) patiddE aq pugs spaaaold snoaunlpaostinl aqa `pauassai aq mom tia s,lapua-I 10 apgtsta3 tilpropuoUOaa aou st litdal 10 U01W101sal aqa 3i spaaaold Sn0aUEjJaaS1JAl lions uo SFutuJEa 10 asalaaut tiuu JaMQ110g Std 0a palmbal aq aou IIEgs lapual `spaaaold snoauuplaosm gans uo piud aq 0a asalaaut salmbal irj ajgtotlddy to OupuM ut apron sI auauuaal3E uu ssapu f •paaaiduroo 51 ?llom am SE SauawtiEd ssal`>3old jo sauas i ut to auauuasingsip ai &uis E ut uotaEloasal put sni dai aqa 1o3 ,iEd Sum lapuaj •tipduuold umppJapun aq ii'gs uopoadsut lions atga papinold `uopoE3spts s,lapua'I 01 paaaldutoo uaaq suit 3 OM aqa alnsua oa ttaladold lions aoadsut oa JSaiunaloddo uE pEq sEq lapua-I Ipun spaaaold snoaurpaasm lions ploq 0a igRil aqa aneq 1ptgs lapuaJ `pouad uotaEloasal put *dal gans 21Ji1nU •pauassai aou st ,iatlnoas s,lapua-I put? algtsta3 SIIEopuouooa st lttdal to uotaEloasal am 11 `Suadold aqa 30 lttdal to uopuloasal 03 patiddu aq pimp spaaaold snoauElpaasiJAi lions `paRetimp st ,ialadold aqa 3i •lapua-1 oa pitd aq logs put oa pauffisse Agalaq alE spaaoold snoautilaosrykl ily •aan;pa3aod spaaaoad snoatmpiaasphi Jo luawuaussy •aaoN aga ut papinold aatl alp aE asalaaut tiEd oa uopaipgo s,laMollog saaa33E Oi u0paas siga ui $utgaoN •MU-I aigtotiddy iiq palmbal si uopEUtullaa 'pun 10 UOI3EUtltlaa lions lo3 gutpinold lapual puE 1aM011og uaaMaaq 11MUMalg1 uaaat1M tiuE gaits aautploOOE ui spua aautlnsul 11 310 H zo3 auauualmbal s,lapua -I aqa 'pun `anlasal ssoi alg1punJal -uou E apTn01d 01 10 'maw ut aautlnsul a2E3aloJAl u1Eau1EW oa palmbal sumtutald aqa tied 1pEgs lamollog `aauElnSUI a2E21loiN 103 sum alp puma) sauaut&ud paaEuBIsap tipaaultdas aNEUI oa palinbal sum lamollog puE utol aga Rupluul Jo uoptpuoa t sE aoutlnsul a2E21JoIAl palinbal lapuaJ 3I •aautlnsul aTY 110N l03 sumtuzald aqa p11lMOa sauaul&rd paatu2Isap tipaiendas salinbal lapua i puE `pautuago st `apqupren1 sautoaaq mar lapua-i tiq paaaaias lalnsut uE tiq papinold (salmbal lapua-I imp pouad am 103 puE aunouu1 aq1 iii) piNEla /Om aautmsul aEga10JA 3i sauaultiud aAJPSal ssoi alinbal 1a3uwp ou UEa lapua'j Loan Number: 0007689904 WYOMING-Single Family Fannin Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) Obta86f64 for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property Initials) Form 3051 3/99 (page 10 of 15 pages) MWY1OCV 131 AOLLAMW (se6ed gL 10 l j e6ed) sale LSOC WHO. 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C1 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: 0 007689904 WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) Initials) 'orm 3051 3/99 (page 12 of 15 pages) MWY12CV 139 AOCLAMW (Wed 91. 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Trupiniput ur zatpta 51?) wpm iu10ipnr Attu o2 pauiof aq 10 `uiof `aouatumoo ,iim Japua JOU Iam0a10g 1atpiaN aasrgolnd aIoN aim ,iq papino1d aslm.Ja1IO ssaiun aas1g01nd apoN age Aq pamnsse Toll am pur (s)1aoi,uas uro-I .Iossa00ns e 01 palzaJsuIJT aq 10 100!MOS uro'I 0142 grim uirmal "um 1amoJJog o2 suoi3r3iigo Su10inras IIY.Oi ar,$2i0u1 aqp `aeoN am Jo zasrg0.tnd 0142 ugg2 Jagwo =was uro-I r ,iq paOinIas st ugo'I at2 Jaai1azage pur pios Si aeoN 0142 3I •IuJOlntas Jo 10J5111112 Jo aopou r gpm uo130auuo0 ut salmbal O 1? J 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: 0007689904 WYOMING-Single Family Fannie Maa/Froddle Mac UNIFORM INSTRUMENT I.T. 3 /00 O* ObUitLib,4 141. Initials Initial orm 3051 3/99 (page 14 of 15 pages) MWYI4CV A09LAMW (se5ed gl {o gl e5ed) 66/e iSOE t+ Mew (sle!3!ul aw mpg paaeadde Alleuosied pna;sauzotl atp ;o anaztn iiq pun zapun :1n 8umsaJ on9nd klvioN ItuawilpeIMow oy 1o) auk situ Moles goads] s ;q uu itn 00 '1'I IN3WR}LLSNI INuom(1 O'W elppGJd/SRW eryueu- -p!wed 8 1 61 .!5 ONIWOAM a 1706699L000 ,-1agwnN ueoi ('9 57- sandxa uotssmuzutoo x. 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Afton Mortgage Production Office 485 Washington Afton, WY 83110 ArrN: Charlotte Neel- Reinhart PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made 28th this day of September, 200 Qtnd 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: 1162 HARDMAN ROAD, 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 STAR VALLEY RANCH (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 LOAN NO: 0007689904 [Property Address] [Name of Planned Unit Development] 11 i 11 06L.S(A 4 11 n 11 MULTISTATE PUD RIDER Single Fam ly -Fenn e Mae /Freddie Mac UN FORM NSTRUMENT FORM 3150 3/99 I.T. 10/99 (page 1 of 3 pages) 143 Initials Initial RMS1PUD andESwa (se5ed g /o Z e5ed) 66/01 '11 66/E ME I OI 1N3WnFl1SNI WUOEINtl 0 e101 GIPPeaj /eepy eluuej-- Aliwej el and 311/1E111111N IRO 006689L000 :ON NVO1 all jo luaulaBuunut 31as jo uopdtunssu luautaRuu1uI puoissjoid jo uolpuuntual (m) :zapuai jo zgauaq ssazdxa atp zo; sr uorsrnozd aql 3l „sluatzmooQ luanzpsuoj aql jo uotsrnozd Auu of 1uatupuauna iiuu (lr) `uteuzop Juautum JO uopuuu1apuo0 q 1 UQ�Y.I u jo ono alp ul zo ,illenseo zatpo zo azg ,iq uoponzzsap Iepunzsgns jo aseo alp u1 mu! ,iq pazrnbaz uopgurmzal JO luauzuopuugn zoj zdaoxa ',and alp jo uormuiuua1 zo luatuuopuugn alp (l) :ol luasuoo JO IilzadOzd atp aprnlpgns zo uoppznd Jatlara `luasuo0 uailum zopd s,zapua-I lzrm pun zapua-I of aOtpu zaiju 1daoxa `lou Hugs J MOZZOH •luaSUOD aorad mapuaq •d uopoas ur paprnozd su luaumzzsul Alunoas atp Aq pamoas sums atp o1 zapuaj ,iq patlddg aq Hugs spaaoozd dons •zapual of mud aq Hugs puu pauSissn Agazaq azu `uoiluutuapuoa 3o nap ur aoueXanuoo Niue z03 JO 'and all 3o sapllpuj pun suazn uounuoo atp JO Iiud0zd aq1 jo zed AIM JO HE 30 auppl zagp JO uoiuuulapuoo Cue Tim uopoauuoo ur zamozzog of alqu,fud `ppuanbasuoo JO loaznp `saaumnp zoj uzrup zo pzumu ,iuu jo spaaoozd aqa •uopnutuapuop •zapua-J of aSnzanoO ;o lualxa put. `lunoue 'um; ul alquldaoou Aogod a3uuznsur Az j qu!! ollgnd u sun uruul uope1oossd szaump alp Imp aznsur of algnuosuaz aq Amu su suop» 1 lions a)Ill Hugs zamozzog •a0uvansuT ,farlrgBr-i alignd 3 •zmozz0H of prud `,iun ;l `ssaoxa atp tpIm `anp uatp 10u JO zallagm `luaumzzsu! 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AS AMENDED BY INSTRUMENT DATED 12 -17 -1991, RECORDED 12 -19 -1991, BOOK 305PR, PAGE 248. AS AMENDED BY INSTRUMENT DATED 3 -12 -1992, RECORDED 3 -13 -1992, BOOK 308PR, PAGE 21. SCHEDULE A 146 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN: Charlotte Neel Reinhart THIS SECOND HOME RIDER is made this 28th day of September, 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," whether there are one or more persons undersigned) 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 (the "Property which is located at: 1162 HARDMAN ROAD, THAYNE, WY 83127 LOAN NO: 0007689904 SECOND HOME RIDER ��I'►w -CiX RONALD M HOLDAWAY JU'ITH K HOLDAWAY [Property Address] 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 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 second home. 147 In addition to the covenants and agreements made in this Security Instrument, Borrower and Lender further covenant and agree that Section 6 and 8 of the Security Instrument are deleted and are replaced by the following: BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower MULTISTATE SECOND HOME RIDER Single Family Fannie Mae /Freddle Mac UNIFORM INSTRUMENT FORM 3890 3/99 I.T. 10/99 (page 1 of 1 pages) RMS1SEC