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Home My WebLink About868666WHEN RECORDED MAIL TO: 8 6 8 6 6 6 First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007689227 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 GLEN EVANS GUMMOW and NANCY L GUMMOW, 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 Seventy -Four Thousand, One Hundred and No /100 Dollars (U.S. 74,100.00 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 I I I I I I I I I I I u I I Space Above This Line For Recording Data I I I I tl MORTGAGE I I I I WYOMING- Single Family- -FannIe Mae/Freddle Mac UNIFORM INSTRUMENT 1.T. 3/00 RECEIVED INCOLN COUNTY 1M ,1 '..r' 1 1� 00 SEP2 9 Ni L, 5 J 7 EAN 1 E i Pik:ii`I 11 KEMMERER, WYOMING. 45-: 150 1300K R PAGE Initials Initial Form 3061 3/99 (page 1 of 15 pages) MWYOICV (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Balloon Rider 1 -4 Family Rider (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" mean those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and /or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. .12601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of sale, the Loan Number: 00 07689227 W VOMINO- Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT FSB 08/00 (l Condominium Rider Planned Unit Development Rider n Biweekly Payment Rider (Initials) (Initials) Second Home Rider Other(s) TAX EXEMPT FINANCE RIDER Mortgage Insurance Rider Form 3061 3/99 (page 2 of 15 pages) MWYO2CV 151 AOCOAMW (sated gt {o g abed) awe L9oe WJOa (SImju! •aajsugu spund oiuox3oaig (p) aO Aiiiva JO `AIilgluaumaisui `,iouagg igaapa; u Aq painsui aag susodap asogm uoi3n3psut ug uodn umiip sr raw ipns Aug papinoad `sago s,aaigsgo JO 3I0a10 s,aaansgaa3 `raga Aunt `sago pagpaao (o) `Japio /Cauom (q) `gsgo (n) :aapua Aq impalas SE `suuo3 jo plow JO auo ui api m ag ivaumi3sul Aiianoas spp pug aioN pip aapun arm sluaui/igd Iuanbasgns Iii' ao Aug Imp aainbai Amu aapual `pindun Japual of pauiniaz si ivaumaisul Allmon siga JO 230N aq3 aapun maul/Cud se aapua-1 paniaoaa luaunu3sui aaipo JO 31oago Aui ;t `aanamoH •Iiouaaana •S•n ui apgui aq Iiugs 3uauuuisul AiunoaS siga pug mom aq3 aapun anp s1uauiAgd •E uopoaS o3 iugnsand suiaii moaosg ao3 spunj ,igd oslg iiggs aamoaaOH °a3°N pip aapun anp sagango alga pug sagaggo 3uauIAudaad Aug pug a3oN am 6q paouapina 3gap a13 `uo Isamu! pug `3o Igdiouud alp anp uatp Agd iipgs aamoaaog •saagg0 awl pug 'saBagio luawdgdaad 'swan Moaasa 'Isaaalul 'ledpuiad ;o ;uawARd :smolioj Sg aaaSg pug pima/son aapua-1 pug aamoaaog •SINVNf AO0 I�I2IOdIN11 •,Ciaadoad par Ruin/too luaunuisui Aiianoas uuoJiun g ainii3suoo 03 uor oipsunf Aq suopguen paiiunl 13TH s3uguano° uuojmn -uou pug asn iguoiiuu 1OJ s3uguanoo uuojiun souiquioo 1NHI' flILLSNI A.LRIf10gS SIH.L *mow Jo saougaquinoua Aug o3 3oafgns `spugutap pug sunula Tin isuigge IfUadoad alp o3 app a13 4llnaauaa pugpp 'Um pug s3uuaaum aamoaaog •paooaa jo saougaqumoua ao3 3daoxa `paaaqumouaun si iCiaadoad aga Imp pug ,i3aadoad alp AaAU0O pug 3uga;I 'agg;l3aouW o3 31gia am sat pug paAanuoo i gaaag amsa am ;o imps Alln;Mgi si aamoaaog 3ug3 SINVNgAOD 2IEMO211IOg „•A3aadoad„ aga sg Iuauma3sui /Clumps sill ui o3 paaaa3a1 Si guto2am; a13 ;o ily •3uamni3sui Allmon st13 iiq paaanoo aq osiu Iigts suoi3Tppg pug quauianuIdai ny •,ivadoad a13 jo Ind u aa3;gaaaq ao mou saan3xg pug `saougua3andde `s3uautasua IT pug `Aiaadoid aq3 uo moan aa33uaaag JO Mou s3uauian0adUII 01 11 ifs H,LIM ?I 1H.L IDO L „ssaappy A3aadoad [nails] S 999S9NO Piz] [AID] 011£8 Suiwo,iM NO1dV 133111S SWVOV 18£ •9NINNI038 d0 1NIOd 3H1 01 SOOU b 111a0N 33N3H1 5008 Ol 1S3M 33N3H1 !SOON V H1f1OS 33N3H1 !SOON 01. 1SV3 30N3H1 0NINNla ONV Z 101 OIVS d0 83N803 1S]MH1f10S 3H1 dO H1HON SOON Z 1NIOd V lV JNINNI038 :SM0110d SV 038I80S30 Al8V1l3ildtld 3a0W 0NI38 DNINOAM A.Nf100 N103NI1 N01UV d0 NMO1 3H1 01 91. )13018 d0 E ONV Z S101 dO 18Vd [uoi3oipsunf 8uipaooa'i 3o auiuN] [uopoipsunf guipiooa21 Jo adiZ] N103NI1 J AINf100 a13 ui paigool Alaado.id paquosap Su!MOfo3 aq3 `pins Jo .iamod g3im `sugissg pug saossaoons s,aapuoi pug aapuari o3 Aanuoo pug ma `aSug3aoul iCgaaal 00/e •1°I 1N3Wntl1SNI WUOdINn OIW •IPPeiA/euW eluue, —Nlwej eIaNS L2Z689L000:JagwnN ueol jo ssaappg a13 anti Apuaaano 1aigM 153 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: 0007689227 WYOMING Single Family- -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) OStiStitAi Initials) Form 3051 3/99 (page 4 of 15 pages) MWYO4CV AO90AMW (seti d gt to 9 eted) 661C LSOC Wind t '99V ISO 00 •i•I LN3WnU.SNI WNOdINf OSW oIPP.a/I vi yuuS4--/Ilwej el LZZ689L000 :.IaciwnN ueo, 3i q2zadozd am 3o ziudaz JO uola>'zoasai 02 middy aq iiugs `.Japua -I Aq parmbai sum aaurunsur Sut,iiiapun all aou zo zalpalm `spaaoozd aouuznsur ifut `Supizm ur POJBE asrmzag2o zamozzog put; zapual ssaiun •zamozzog ,tq iipdutoid apuur lou 3T ssoi Jo ;oozd alum ARM zapuaq •zapua' put zaiueo aour..msut Pip 0) aopou idtuozd PAPS TIMIS zamozzog `ssoi JO mono aga ui caked ssoi ituoPippu uu su zo /puu Wallow se zapua-I an= pugs put asneio aSuS2zour pzupums a apniour begs /ioriod lions `ATzadozd alp `JO uoiaorUsap JO `op a&urep zo; `zapuaq Aq pauinbaz asimzag2o you `aauzanoo aoueznsut 3o auo; Aug suu 2qo zamozzog jI •saopou summa! pue suuniluazd pied Jo sidiaoaz iiu zapuaj 02 ani2 ,ipdruozd slags zamozzog `saiinbaz zapuaJ 3I •sapeo!Jpzao iumauaz puu saioTiod alp pioq 02 WIT alp anal putts zapua- •aaA d ssoi iwUopippu uu Si? z0 /p1u PPRESuour 'SR zapua'i PLUM iittis put `asneio aSuSlzolu pzuputas t apnioui pegs `satoiiod lions anozddustp of may s,zapual 02 2oafgns aq pegs satoiiod Bons 3o siumauaz puu zapua-I Aq pazinbaz satatiod aoueznsui lid luauuriud Sugsanbai zam0110g op zapual tuoz3 aopou node Isamu! goes gaim `aiquAud aq pegs pre auaulaszngsip 3o amp alp luau a2tz apoN aga Tt 2saza2u! nag pugs Seunotuu asa •luamnzisui Allmon sign Aq paznoas zamozzog 3o Tgap ituoptppe atuooaq pugs S uoi2oas slip iapun zapua-I Aq paszngsip muumuu Suy •paum qo anal moo zamozzog rip aouuznsui ;o 1500 am paaoxa Ai2truo1J!U IS Wm! pawn qo os aSuzanoo aouuznsut alp Jo 2500 aga Pala saspaimotr}iot zamozzog •papjja ut Aisnoina1d sum imp aStzanoo zassai JO za2ua1S apinozd plSitu put (2tirqug zo pzuzuti `)isiz Iiut 2SU 1Su `,ipaadozd alp Jo sruatuoo aga zo `iiazadozd alp II! A2Tnba s,,zamozzog `1am0.11011 20alozd 2011 1tJ 11W 10 alStuu 2nq `zapua-I zanoo pugs aS1U AO0 bans `azojazaly •aSezanoo JO 2unounl JO PdA2 zeinot2zud Niue as aimed oT uoi21l 1jgo ou zapun si zapuaq •asuadxa s,1amozzog put uor2do s,zapuaJ It 'ammo aoutmSU! un qo Amu zapua-I `anoqu paquosap saSezaA00 Pill 30 AIM uiu1uiutr op sisal zamozzog ;I iiq uoi2oafgo ue tuozu Supinsaz uoi2uUiUU Zap auoz poor Am ;o maims all glim uoT2oauuoo ur ,iouaSV luauraSuuuyAI Aouagzatug iuzapag ale RI moduli sap; Sur ;o 2uaulAud age 1o; aigisuodsai aq osit pals zamozzog •110 2tagTl.zao zo uor2uuiuuaaap lops loa33e 2l2iu1 Sigeuosuaz goigm 111000 sasutlo zuituzrs JO ssurddeuraz atop goes sa3iulo 2uanbasgns put sows uopuoIirizao put uor2tuiuuapap auoz pooti zo3 agztlo amp-auo a (Z) zo saornzas SuDioezp pue uoptoi3 `uor2uuituia2ap auoz poop JO; aSzugo Paul -auo u (I) :zatpia `uto'I sup gi'm uo1loauuoo ui `iiud o2 zamozzog azrnbaz dour zapua-i °Aigmiostaiun pasiozaxa aq 2ou pugs ups goigm `aotolo s,zamozzog anozddusip o2 2lSiz s op 2oafgns zamofog Aq uasogo aq Bugs aoutinsur alp Butpinozd lap= aouumsut ati i •11110-1 ale Jo tuzat alt Suunp aSutla !Ito saoua1uas Sutpaoaid aga 01 maimed sazmbaz zapua-I 2 q •saimbaz zapuaq Tell spouad alt zo3 pure (gang! aigponpap Sutpnioui) SIunoIU11 al, ui paureluium aq gals aoutznsu1 slip, •aouuzesui sairnbaz iapua7 goitim zo3 `spoon put saAunbl2zea `02 pa1ituii you 2nq `Suipnioui spinal Jahn Niue put `aiiMan03 mum; mum all uigIrm papnioui spinal `azt3 Aq ssoi lsutuSt paJesui £2zadozd ale uo pavan JOIJRPzag JO Supsixa mou s2uauranozduq alp daa)i lids zamozzog •aautansul Sp°tadoad 'S •uuoZ sill gpim uopommoo rt zapua-1 6q pose aotnzas 2ut2zodaz zo /puu uoipuo1JTZan xel PIMP juaz u lOj aSzelo atop -auo u Aud o2 zamozzog Piinbaz Arm zapual uo12oas sill uT anoqu 1pio3 las Suo1lou alt Jo azotr JO auo alu2 JO UPI"( alp Ii ;Sues Hugs zam0110 `uanTS si aor2ou pull lopim uo axep alp ;o s,itp Oi rilmmM •uaii am SupcJPuapT aZT2ou u zamozzog PAP iitur zapua'I `aualunzasui ,llamas silt zano 2uotzd mum moo lotlm uaii a o2 aoafgns st Suadozd am 3o 2zud ,sue 21143 Sauituza1ap zapual 3i •2uatutulsui Aliznoas sup 01 uaii alp Suptuipzogns zapual of Aioaoujspus Tuaulaa1Su uu um! alp 3o zapiol ale 11101; samoas (o) zo :papniouoo azu Ssutpaaooid goes !pun iiiuo ling `auipuad ale ssurpaaoozd asotp aiilm um! pup 3o 2uauraozojua alp puanazd op apezado uoiutdo s,zapua-i uT gotlm ssuipaaoozd Ua��3f 155 such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (1) sufficient to permit Lender to apply the Funds at the time specified under RESPA and (2) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal Loan Number: 0007689227 WYOMING-Single Family Fannie MaalFreddla Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) Initials) Form 3051 3/99 (page 5 of 15 pages) MW YO5CV AOOOAM I (se5ed g Jo 8 eyed) esic tsos wJoj emu. ($IB •anzasaz sSOJ lions uo again JO 1saza1ui Aug zamozzog ,i11d 01 pazmbaz aq 3011 huffs zapua' pus 'mg ui pu?d iila ;suii1ln si uuo' app Jetp lag; aq1 Buipui sp3imlou `aiqupunJaz -uou aq pups anzasaz ssol dons °aounznsul a112uo1/1 ;o nap ui anzasaz ssol alqupun;az -uou 11 s11 s1uaurA11d asatp UI1 I pus asn `adaaae 'pm zapua •3oa ;a ui aq o; paseao ammo aousznsui au; uagm anp azam nip s3uaut/cud paa11uBisap ,ila ;11zidas alp 3o 3unours au; zapua o; ad o; anupuoo ilsgs zamozzog `alg11lrene aou Si aezanoo aousmsul a8effuoyil 3uanninba ,illsiaueisgns 3I •zapual ,iq props zaznsui aR1122z0111 03RUza3Iu Us u10z3 `100;;0 uI Alsnoinazd aaueznsul ageBuoysi au; ;o zamozzog oa 3so0 ap3 o; aualeninba &Il11pu1 sgns ;soa u 3e `30a;3a ui Iilsnotnazd a3ugmsul ageffuoyAI aqa o) aual11nmba Allepu11 ;sgns aS11zan00 uiuigo 0; pazmbaz sumimazd app pied pups zamozzog `a0u>'znsul affauolAi zo3 sum1Urazd aqa pzsmo; swam/Cud pa311ufftsap AIa311z11das alum 01 pazmbaz sum zamozzog pus aou11znsui pons paptnozd dlsnoinald ;spa laznsui a2a110T11 aq1 UI01J alg11lp11nu aq o3 saseao zapuaJ Aq pazmbaz aS11zan00 a OueznSUJ affauoyil app `uos11az Aug Jig ;I ;0a ;3a ur aOu11msul aSu23zoykI am uI113ui11Ur o; pazmbaz sumluiazd am ad Ilrps zamozzog '11110' aq SUpletu 3o uoptpuoo 11 s11 aou11msul a31Suoyc pazmbaz zapua -j 3I •anu11ansul aSuBaaoj& '0I •fuppm ur zazaur alp 0; saaa11 zapuaJ ssalun aRJaur aou ins alai; aa3 am pug plopasual aqa `,i31ad0zd aqa oa app aa3 saunbo11 zamozzog ;I .algal am 3o Suorsinozd ap3 Iiu palm )(plum pups zamozzog `plogasual 11 uo si ;uaurru1sul ii ;Un0as sip; 3I •3uaUriud 3upsanbaz zamozzog o; zapuaj Uroz3 aopou uodn `3saza3ui pons gpim `alquiiud aq pups pug auauraszngsip 3o a311p ap3 tuoz; a311z a3oN am 311 )saza3Ut 1Rag II11Ils 53unoure asapi •auaUrnz3sui ,i3imoas Sip; ,Sq pamoas zamozzog ;o ;pap I11uopipp11 aurooaq pups 6 uop0aS sip; zapun zapua7 iiq paszngsip s3unouru Auy •6 uop0as sips zapun pazuog3n11 sUot3011 IIe JO kW RuDI11; 1011 z03 A ou sznoui zapua-I imp paaz311 si 3I os op 03 uopapgo JO Amp Niue zapun aou si pus os op o; an11p 3011 Saop zapua-I `6 uopOas sig3 zapun uot;au ale3 I11W zapua-I On ;30 JO uo pauzna sapili ;n anup pus `suo13ipuoa snozaugp JO sU0p11lorn apo0 zap° JO fuipjrnq a311Uturpa `sadid uzoz3 za3em unit) `smopuim pug stoop do p111oq zo aa11ldaz `moot auep0 'uncial alga' 03 Auadozd aqa 13uua3ua `03 pa3ituil 3011 si mq `sapnlout Cuado1d aqa 2uun0as •3uipaaoozd iCO3dnznlu11q 11 11! uopisod paznoas 53! Fuipnl0ui `3uaurnz;sul ei1un0as spp zapun s;g3u Jo /pus ,i3zadozd am ui 3saza3u! s31 30a301d 03 spa; 6 siiaUzo3311 alg11UOSraz 3upi11d (E) pus 'moo ui &upeadd11 (z) `3ua1lnz;sul ,pumas sip; zano 1i3U0Ud sup popim imp 11 iiq paznoas sums Aug ffui,Sed (I) `03 pa ;iluil aou an mg `apnl0ui uu0 Suop011 S,zapuaq •6uad01d ap3 Suuiedaz zo /puu Bupn0as pug `iivadozd am 3o awn ap3 guissass11 Jo /pug UUp0a ;ozd ffuipnloui `3uaurnr1sul ,(3un0as sip; zapun map pus Auadozd aqa ut ;saza3ui sempuaq 301 ;ozd 03 a311izdozdd11 z0 alg11rros11az si zana311pm zo3 ii1d pug op /Cum zapua-I uatp 'Auadozd ap; pauopu11g11 ssq zamozzog (E) zo `(suop11lnaaz zo smul a0zo;ua 03 JO ruaurnz3sul A3iznoas sipa zano iiluorzd uieaae iieur galllm uarl 11 3o ;uaura0zoJua z03 `azn3imJzo; JO uoi311aumpuo0 10J `a3egozd `A0;dnnjlr11q ui 2uipaaoozd 11 511 pons) ;uaumz3sul 3un0as sip; zapun s3g5i1 zo /puu /ivadozd ap3 ui Isamu! s 30a33s ,ilau11agiuffts 3ppur Imp fuipaaoozd Iuffal 11 si azaq; (z) `3uaurnlisul Alunoas sN3 ut paure3Uo0 s3uatt:wa11 pug s3u11uanoo ap3 uuojzad o; SII11; zamozzog (I) 3I •;uaurna3sul ,f ;tanaas sup aapun s ;g2IN puu ipadoad aqa ui 3saaaug s,aapuag ;o uo!pa ;oad '6 •a0uapisaz 111dtouud S,zamouog se ,ivadozd am 3o douedno0o s ffutuza0uo0 suone3uasazdaz `03 pa3turil aou an 3nq `apnl0ui Suope3UaSazdaz 111ua311N U11og ap3 prim uoi;0auuo0 ui (uoi;utuzo;ui Iuua311Ur prim zapuaj apinozd o; palre3 zo) zapuarl o; s;ua11103e3s 10 U0pe111103Ui 0)11znao11ui JO Tuip11alsiur `asie3 AIJRua;11Ur aseg auasuoo JO a s, zamozzog prim JO zamozzog ;o uoivazrp am 311 2ui3011 S119110 JO suoszad Aug JO zamozzog `ssaoozd uop11oilddu urol am Rupnp `;i 3In11;ap ui aq pups zamozzog •uoneallddV u110-I s •8 999 -1r o 9S 00/1 U 1N3Wf1N1SNI WeOaINfI eeW 0 1PPoad/SVW eluuej-- /luied eI S LZZ68W.000:JequnN u11o1 157 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:0007689227 WYOMINOSIngle Family Fannie Mee/Freddle Mac UNIFORM INSTRUMENT I.T. 3/00 08686 (Initials) Initials) Form 3051 3/99 (page 7 of 15 pages) MWYO7CV AOOLAMVI (set3ed 9L 10 OL et3ed) este i.soe u„N 9 G clfp (slelUul (s1eliul owe '1'1 itinnuiSNI WHOdINf owl olppauroeW oluuoa- -N1wed eIBu1S`ONIWOAM L2Z689L000 ue Ai1adoid `saaj sSouzo33n `oi pa)turti 1011 3nq `2utpnlout `3uaunufsui Altznmos sup zapun sup.' pur Auadozd aq3 tit Isamu! s,zapua-i gut4oaiozd 3o asodznd otp zo3 `linrjap s,zamozzog gftm uopOattuoo tit patuzojiad saotnzas zol sooj zamozzog amp Amu zapua-I •sa uqJ uyo-I •bi °zapua-I jo suStssi put' siossaoons atp lgauaq put (OZ uopoag tit paptnmid sr 3daoxa) putq pigs ivatttnzisui Allmon sup ;o sruatuaaay put' siurtianoo a'Iy lut4UM 11t amp.' 'Ions of saaay iapuaZ ssalun 3uatmnzisui d3tmoas sup .spun A3titqutl pur suotlatigo s,zamozzog wog pasualaz aq 30U iings .ramoiiog •luautru4sui Allmon sup .spun sit auaq put s3i U s,zamozzog jo sin uu qo sings `zapua Aq panozddr st pur `5uppm ut 3uatunz3sui iilunzas sup zapun suopVtigo s,mmozzog saumssr mint zamozzog Jo Isamu' tit JOSS 00011S SUE `84 uot3oas 3o suorstnozd asp of loot-tins °luasUoO s,aauRts -oo aq3 lnogftM a3oisi am z0 1uaturu1sui Allmon sup Jo suua3 am 03 pztSaz g3tM suotltpourmooOt ,iuy mtti zo zragzoj `,ijipotu 'puma o3 =au tiro zamorrog zag3o iiur put zapua-1 3ttp saa121 (o) puti :3uauttu3sul Sitznoas sup Aq ,paznoas stuns alp Awl o3 patatigo iiirtioszad Sou st (q) :2Uatunz4sui Allmon sup Jo suua3 aq1 zapun divad0zd a 'If tit 3sa1a2ut s,zaUSts -oo a 'If ,ianuoo pur 3ueJS `oSeRuotu o3 Apto 3uatunzisui Allmon sup S'utats -oo st (y) „iau ?ts -oo„ E) aloN a'I3 alnoaxa Sou sop lnq 3tiatunz4sul *moos sup su2ts -oO oqm zam0zz011 ,stir `z0n0M0H °Iuzanas put lutof xi pugs A1titgnt1 pur suot3rStigo s,zamozzog lrtp saazgt put s3uruanoo laming •punog sua!ssv puti saossaaans :saau;fts -op qmltqun Iuaanas pus Sutof •£i °Spaurar JO UPI ,stir JO Os!OZaxa out apnl0azd zo Jo zantlM V. XI 3011 Ilpgs `anp uatp 3unotur atp urg3 ssal s3Unotur ut zo zamozzog Jo Isamu' tit SJOSS00011s JO satipua `suosiod pztgi moij sivatuiSgd jo aoun3daoon s,zapua -J `uonnttuti lnotpiM TutpnJOUt Apoutaz JO lgBtz 3utstazaxa ut iapua-i Aq aoun1nagro3 ,Suy •zamoziog Jo 3saza4ui tit szossaOOnS SUE JO zamozzog irutguo atp Aq apytu puruiap AM 3o uosraz Sq 311atunzlsui AltinOas sup (q paznoas stuns atp jo uoptzpzoure AJtpom astmzatpo JO fuaugtd 1o; amp puma 04 astyaz o3 10 zamoz°IOg Jo 3saza3ui tit zossao0ns but 3sure3n s2utpaaoozd aouourmoo 03 paztnbaz aq mu sings zapuai °aaMO.tzog JO 3saza1Ui tit szoss000ns Atm zo zamozzog jo Altitgntt aq3 asgoioi 03 aitzado Sou pugs zam0zz0g JO 1s0z0111I tit JOSSOOOnS ,Cue JO JomonOg 03 zapul Aq poutEJS ltiaumz3sui ,(3t1nOas sup Sq paznOas sums atp 3o uot3nzt31oure Jo uotiyoi;tpour JO 3uattiStd z0J Pulp atp Jo uotsua3xg •aanwAt ti aoN aapuaw ,fg aauumagaod fpasualag ;oil lamoa10g •Z1 °Z uopOas tit zoj paptnozd zapro atp tit patiddr aq iiygs A3.tado.id aq3 Jo ztrdaz JO uo1P11.101Sa.i 01 paiiddt 101 azy 3n l3 spaaOOZd snoaunllaosi j, iiv •zapuog 01 pted aq iiegs pug paugrssg ,Sgaza'I azt i3z0d0zd a 'I3 tit 3sa1a3ut s,zapua"i jo luattutedurt aql 01 algn3nquilt azg pup saFtttrep 104 urttjo JO pigmy Aur Jo spaaooid Pia •luatunzisui diltznoas sup zapun sup.' zo iilzadozd atp tit 3saza1ut s,zapua jo 3uaturtrdtut Irua3ytu zag3o JO ,S3.10dOld a'I1 ;o aznitajzoJ sapnjoazd `3uauigpnf s,zapuoq tit `3tg3 &utlnz r 'I3tm passtutstp aq o1 gutpaaooid zo uop0t atp Sutsntm Aq `61 uopOas tit papinozd sr a313suta1 `pazznOOO st'I uot3nralaoon 3t `pug ilnWJap t 'Ions azno tiro zamozaog •3uatun.r3sul Aftmoas sup .zapun s3gfftz JO S3.10dOid aql tit Isaza3u! s,zapuai ;o luauutndurt pgtzapttu zatpo JO Iivadozd gip 3o aznitajz03 tit llnsaz moo `luatuRpnf s,zapuaj tit `3t 11 un2aq st IEttuutzo JO 'No zatpa 'IM 4 gutp000ozd JO UOT3Oy Sur 3t 3lnr;ap ut act Butts zamozzog •sp0000ld snoautllaOSi of pzaaz tit uot3O130 3q$tz r syq zamoizog mo 'IM 3SUi1i iy hued a1T1 zo spaaoozd snoaugllaostw zamozzog sam0 imp dund pztgp am mom ,,,hind 2utsoddp„ anp uag3 1011 JO zatpagM luaumz1sui A4zn °as sup Aq pamoas sums am 03 zo Auadozd aq3 jo ztydai JO uo11r10150z 03 zatpta spaa0ozd snoauyllaOsIN aq3 Siddn puy 3OalloO 03 paztzog3ny st zapuaq `uaniE st oopou aql aim) aq3 za33t sAup p£ utgltM zapua-i o3 puodsai Ol slre3 zamozzog `sagrurep 1O1 9 O Loan Number: 0 007689227 WYOMING -SIngle Family -Fannie Mae/Fwddlo Mao UNIFORM INSTRUMENT I.T. 3/00 O 68jtjlj 159 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 Form 3061 3/99 (page 9 of 15 pages) MW Y09CV AOLLAMW *Bed gL to ZL eBed) sue Lsoe auo 0 9T 999 4.0 00/£ TI 1N3WflULSNI WNOdINf o'W SIPP$JA/o"W aluuaa- -Auwed eIOulS- 9NIWOAM L2Z6I39L000 :aegwnN ueo Vdsmi uopeuuq;ut Jaglo Slur pue °prat aq pinogs sluautSrd 'pup& o1 ssazppv 0111 `zaotnzas urol Mau 0111 JO sspzppu pug aurztt atp a1e1s Inn& gotgM a211e110 01p JO POT1011 1.1011uM uant2 aq !pm JamOzzog `zaotnzas uso-i am Jo aSuvgo a Si atom Ji •a1 am Jo ores v o1 paleiazun Jaatn1as uuo7 0111 ;o sa ting0 azour Jo auo aq 1tSnu osf11 atouj °M117 aiquotfddy pur `luaunulsul Ilunoas stip `aloN 01[1 zapun suotleilllgo 2utolmos mot aga).1011t Jatpo suuojzad pue luaunulsul Alunoas stip pug aioN all zapun anp sluamArd otpoupd s1oalloo Imp „Jaotnias uuo-i„ atp se umou)i) Sipua ag1 ut asuugo a ur llnsaz lij im airs d •zamozzog o1 aopou zoud inogltm saurti aJour Jo auo Nos aq uio (luatunzlsul ,ilunoas snp g11M Ja111a2o1) aloN 0141 ut Isamalu! !gtlzud a Jo a1oN aqs `aouenap9 3o aolloN 'aaalnaaS ueoi 3o auegj Jo aleS 0Z •sl uopOas zapun uopmafa0or JO OSE0 a111 ut Aiddu 1ou [[eqs 01111sutaJ o1 1q$1.1 still `zanamog •pazzn000 peq uotleJa40ooe ou Jt se antloa; ;a A[[nf uTuraz rim ,igazaq pins suopaigo pue luautntlsui iilunoas sup `zamozzog ,ig luauralelsutaz uodn •Jajsuezj, spund otuo.poa[g (p) zo Alpua .10 iltpeluatuntlsut `SouaRe imam 11 £q paznsut 0Jv sltsodap OsotM uopnlpsut uv uodn uMeJp sr Noato qons Sur paptnozd 'raw s,zatgs110 Jo Noago s,zaznseazl 'raw xueq `x00110 papillao (o) `zapzo bum (q) `gsvo (u) :zapua-j ,iq paloalas se `suuo3 autmoffo; pip 3o azour 10 auo ut sasuadxa pun sums matualmsutaz tons ,Sad zamo.u08 111111 aztnbal Amu tapua-i •pasu11goun anupuoo Ijugs luatutulsul 6lunoas still Aq paznoas sums aq1 iivd o1 uopapgo S,J0Mozz0g pue luatutulsul Slunoas sup zapun sup!' pug ,ilzadozd atp ut Isazalu! s,zapual 111111 amssu Ol. aJtnbaz Alguuosgaz Agar zapua-1 sr 1Opo11 tons Sallm (p) pue `.luatuna18u1 Alunoas still .apun sltSU pug Miadozd am to Isazalu! s,zapual &11100101d jo asodznd alp zoj pazznout saa3 zatlo pug `saa3 uopeni11n pug uopoadsut ,Slzadozd `saa3 ,sSauzollu algguosraz `01 paltuttl 1ou 1nq `sutpn40ut `luaumzlsul IS1un0as sigl ut pazznout sasuadxa iie s/ied (o) :sluatuaaa11 Jo slueuanOO Jaglo Aug 3o 1[nejap Niue samo (q) `°paJzn000 peq u0il1Jalpoov ou 311 se a10N am pug lualunzlsul ,ilunoaS st1[1 Japan anp aq pin0M ua111 tottlm sums fir zapua' s,Sud (11) :zamozzog 111111 0111 su011tp1100 0S0111, tlatunrlsul Slunoas 811111 3ut0zo;ua luatuRpnf 11 3O Sim (1!!) zo :a1111sutaz 01 1115p s,zamonou ;o uojlguttuzal alp zo3 1(3toads 1142!ul me-1 aig11otiddy sr polio(' Ja1410 lions (tt) :luatun.zlsuf *moos still ut pautviuoo 01118 ;o zamod Sur 01 luunsznd 1lJadozd alp 3o alts =jag s111p anti (t) :3o lsat[zua am 01 zoud amp Sue 111 panutluoostp luatunzisul 1lunoas 811141 ;o luautaozoJua anvil 01 1421J 0111 an111[ [[11tls JamollOg `suotltpuo0 ut11lzao maul JaMOJZOg 3I •uol ;eaaiaa0V aa;3y alelsulag o; 314 ,J yaMOaaog •61 °10MOJJOg uO puvuiap Jo aotlou JatpJn3 mop/A. laatunr18u1 Alun0as stti 1q p011ttuzad satpauraz Aug a)lonut Maur aapual `pouad still jo uotleztdxa aq1 03 ioud sutras asap Sal of s[te3 .10MO.uog 31 •luatunzlsul Alunoas 81141 1q pamoas stuns i111 bed lsnut JOMO.uOH 11311M utgltM S I 11011008 tf1!M aouupz0oo11 Ut uan!O st aotlou 0111 amp 0141 1110z3 SARI) p£ 1111141 ssal 1ou JO pouad 11 apinozd I[uns aotlou 0uj •uotl11zata00u ;o 009011 JPMOJJOH 0n1$ pugs zapua `uopdo 84111 S0S10zax0 zapual 3I •M11[ imam 1q paggpiozd st astozaxa tons 311 zapua' 1q pasiozaxa aq 1ou Ilv11s uopd0 still `zanaMO13 •luatunzlsul S1tan0as sup 1(q pamoas stuns IF 3o um ut luatu&vd al11tpaunut aztnbat Amu Japual u01l1M Jo!Jd s lnot[1!M (pazzaJsuuzl Jo Nos st J0MOJJOg TIT lsaJalut futogauaq u put uoszad mum 11 1ou st JaMOZZOg ;t Jo) pazza;su11zi Jo pfos ST 410dozd 0141 TIT lsazalul Sue Jo 1110d0zd 0111 JO Val SITE JO 11 3I •zas11toznd v O1 amp aznitt3111u Jamo1Jog 1q OI1t1 jo Jame') 0141 st gOtgM 3 maw! 0141 `luatuaazau MOIOSO z0 3011I1u00 spivs 1uau11iv1sut `poop Jo; 1011111100 'Nap J03 puoq 11 ut pazzaJsu11zi ma'am! magma) 080141 `01 palling lou 1nq `sutpniout `1lzadozd 0141 ut Isazalu! 41140t4auaq Jo Iaai Sur swam 11 11Jad0zd 01141 uI 1saJalul„ 'si 11011008 8111 ut pasn sy •aamoaaog w lsaaa;uI felo43auag a ao ,ipodoad ail; 3o aaJsueay •gi 161 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: 0007689227 WYOMINO.Single Family—Fannie Mae/Freddle Mac UNIFORM INSTRUMENT LT. 3/00 Initials) Inflials) o.9\6 orm 9051 3/99 (page 11 of 15 pages) MWY1ICV A3CIAMW (se6ed gL 10 eL e5ed) 6e/e ISOC w,o •dnutaij itluatuuozinug u11 Jo; zapuaq uo u0ilaligo Atm al11azo pints Uiazag RuItpoN •Merl IeluattruO1inuH tppA aouepz000u ur suotloe jmpawa' £Iussaoau tin arl dlpdutozd bugs IOMOZZOH `(I11ss00011 st 4p1adozd ag1 2utloa e aou1 sgns snopzeztH ,fun JO uopetpatuaz z01110 JO I11nour01 kit 11111 dlii d 1ppnt1d due JO `dpuollnu Siolningai JO i11luautu1ano2 Situ Act patdtlou sI JO `suueat 1amonog 3l •Suado1d alp ;o anion atp spoa3 ;11 dtaszanp11 goigm aouelsgns snoprtz11H a Jo asrata1 JO asn `aouasazd alp Act pasnno uoilipuoo due pun `aounlsgns snopr11 -RH Sur Jo amp.' ;o maim 10 amp' `aliettosip `Nt11at `guipds dot `01 palnug IOU lnq 3uipniout `uopipuoJ I11luatuuortnug due (Z) `.apaJMOUai tunlou sup 1aMOJJOg gongM JO Me'l pluatuno1inug 10 aoutIsgns snopr11ztH Aug pug duadO1d 041 RUTAIOnut dlzed alenud z0 daua3e d1oletn$a1 JO Ieluautu10n0$ due Act uopot z01110 Jo 1cUSMni `putnuap `tul11p `U0! 11Sanui du11 (I) JO a0110U 11011uM 1apua7 anti dlldtuozd HIS z0MOZ1og •(slonpoid zaumsuoo ul saoutlsgns snop1eztl `01 pallurli iou lnq Tutpnioui) duado1d all Jo aoutua1ut11tu 01 pun sasn ppuapisaz Ittuzou 01 al11lzdozddt act of pazlu$ooaz dllezaua am Imp saoutps snop111ztil ;o satptluenb Iltuts 3o d11adozd all uo a213z01S 10 `asn `aouasazd alp 01 didde lou ii11ls saouapuas 0Ml gutpaoaid agZ •duado1d all jo amen alp s1oa33e diasaanpu imp uotltpuoo t sapuazo `aouepsgns snopJtzeH 11 JO aseataz 10 `asn `aouasazd all o1 auto `gotgm 10 uonipuoD I11luatuuozlnug u11 salt= gopim (Z) `M1'I I11luatuu0J!AUH du11 JO UO11egO1n at Si iti111 (I) d110dozd aril &Ima3311 vutgpdue `op 01 asta auodut moue 1011 `op lot Itegs IOMOIIOH •AUado1d alp ut zo uo `saoutlsgns snop1ez11H Sur asnatai 01 ualeanp JO `saoutlsgns snopznznH ,fur, ;o astataz z0 `aRtJols Itsodstp `asn `aouasaid alp 1n11.10d JO asnno lou pugs 1am0110H dnuraia I11luatuuortnuH 1111 Ja 0p1 aslmzaglo z0 `01 apngUluoo `asnno ueo imp uoipipuoo e SUE= „u0mpuoD tepuauttI0atnug„ 1111 (t') pun Mn-I IeluatuuoltnuH ut paurpap st `WIPE I11nou1az JO `u0llou mama' `uotlon asuodsaz due sapntout „dnueaip inluauIuozinu3„ `.uotpoalozd t11luatuu0alnua JO Slaps `tpivag 01 aletaz imp paptooi Si duado1d alp a1agM uotlotpsunf all JO SANE' put &Met Iezapa3 smut „M11'i t11puautu0zinug„ (Z) :s;11ualetu 0ntloe0ipez put `ap,fgapiutuzo; 10 sopsagse Oululepuoo situaletu 'maws attputon `saptotgzaq put sapiollsad 01X01 `slonpozd umaiozpad Z IX03 10 aigituutel; zaglo `auasoza)i `OUTIOS112 :saoutlsgns guIMOtto; alp put mort itluaumo1inuH dq sals1M JO 'slum saoutpsgns snopzlzug z0 0701 SE pau1Jap saoutlsgns asolp ale „saoutlsgns snoPznztH„ (I) :IZ uopoas sigl ur pasn sy •saaue ;sgns snopaezeH •TZ OZ u0i130s sigl JO SUOisinozd wpm anioa110o a)Ie1 01 dltunuoddo put aoilou alp dJsiles c'1 pump aq pits gI uotloas 0p lutnsznd zam0J10g 01 uanlg u0pezataoou JO aopou alp put ZZ uopoas c'1 lutnsznd 1amoz1og of uantg a.mo 01 dltunlroddo put uotlTzaiaoo11 ;o aotlou a1Z •gcTU 111ed slip jo sasodznd zo3 aigtuoseaz aq 01 patuaap aq IIIM pouad amp imp 'ua p act uno uorpo11 ut11uao azo;aq asde;a lsnur IotgM pouad amp e sapin0zd Me-I atgloliddy 3l •uolloe anpoaz1oo a)tu1 01 aotpou 'tons 3o BuIniS all za13e pouad aignuoseaz 11 olazag dutd zagio agl papzo33t put 'maul pagatl11 lions 3o (g• uopoas Jo sluautazlnba1 alp gpiM aouttiduIoo ul uanl8 aopou ions I piM) Shed 1ag10 alp pappou se't Japua7 JO Jamo1zog Bons 'pun `luatunzlsul dpunoas spp `JO U0sea1 dq pamo dpnp Sur JO JO uotslnozd Sur palouazq sat dufd Jall0 ail 11111 saRaii11 Imp JO luatutulsul dlunoas situ 01 luunsznd suotpoe s,dl111d =no agp wog sastzu imp (sstio t Jo zagtuaur alp 10 put pil t11npintpui U11 =pp se) uolloe iuiolpnf due 01 pauIof aq JO `utof `aouaunuoo dour zapua-I zoo zam0zzog .1agliaht •zasngoznd aloN alp Act papinozd asiMZatilo ssatun 1astgoznd aloN alp dq patunsse 1ou on put (s)zaolnzas 111107 10ssaoons 11 01 pa11a;su11z1 aq 10 J OTA10S u110 Pip IlIM uleura1 iilm 10MOZ1Og of suopaigo SutOInzas mot P2E34z0111 alp `010N alp Jo _lastgoind alp uttp zagpo zaotnus uuo 11 dq paoinzas st ueo' all Ja1311a1all pun plc's st apoN alp JI •$uloinzas Jo 1ajsu1Ul Jo aollou a g1!M uolloauuoo u! saztnbaz 9 T oo /E 1 I 1N3RMILLSNI WtlOdINf SSW •PP•+d/SSW SryuSd-- A!uiej eleuIS-DNIINOAM L2Z689L000:regwnN ueoi Loan Number: 0007689227 WYOMING-Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 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. Initials Initial 163 orm 3051 3/99 (page 14 of 15 pages) MWY14CV A3SLAMW (se5ed Bl Jo gl a5ed) 66/e LSOe woo $le luvu tslB1Uu! u' wc. 07 J' plod (V/Q i7 1n 8u:pisa.t oilgnd vlox ow eao }eq pareadds AIlsuosaed 9 1- c ,c) a�, E o oo /e T! 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(O14M o4 e68641014 844 4o SW104 844 puew8 04 pewee!) eq !legs pub owu1 pe4e1od1o3u1 Si 83418 JNI3NVNId 1dW3X3 SIHI 2I�QI2I fNIDNIVNIA ZdIAIaXa XVI pap1o381 pub 'ow! pe481odJOOu1 eq 1184s wnpueppe 8111 •06864101A1 644 04 wnpueppy 9 T wnaN3aav 30101aow •e6e641oy1 844 '44!M u8 Si 6 u!mollo4 01 11 LZZ689L000 1 66 MORTGAGE INSURANCE RIDER This Mortgage Insurance Rider is made this28th 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 "Borrower to secure Borrower's note (the "Note to First Security Bank, N.A. "Lender of the same date and covering the property described in the Security Instrument and located at: 381 ADAMS STREET, AFTON, WY 83110 [Property Addressl The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at the lower right corner that is earlier than 3/99): Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (A) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (B) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. MULTISTATE MORTGAGE INSURANCE RIDER Single Family Fannie Mae Uniform Instrument Form 3160 8 /00 (page 1 of 21 0007689227 3160 MULTISTATE MORTGAGE INSURANCE RIDER Single Family Fannie Mae Uniform Instrument Form 3160 8/00 (page 2 of 21 By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and supplements the Security Instrument. GLEN EVANS GUMMOW Borrower g J i yt,( 2)0 (Seal) NANCY L GUM NOW Borrower (Seal) Borrower (Seal) Borrower 3160B