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This Mort
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N RECORDED MAIL TO: 868668
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
DEFINITIONS
Space Above This Line For Recording Data
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 2 6 2 0 0 0
together with all Riders to this document.
(B) "Borrower" is
L PAUL EVANS and CLAUDIA EVANS, 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 26, 2 0 0 0
The Note states that Borrower owes Lender
Fifty -Eight Thousand and No /100
(U.S. 58,000.00 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, 2020
(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.
II 0 1 H 0 11111 II 1 0 I 1 0 0 I 1111 II 0
WYOMING- Single Family-- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3 /00
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Dollars
Form 3051 3/99 (page 1 of 15 pages)
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hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power
of sale, the following described property located in the COUNTY
of LINCOLN [Type of Recording Jurisdiction]
[Name of Recording Jurisdiction]
LOTS 68, 69 AND 70 OF THE LEON LIVINGSTON SUBDIVISION, LINCOLN COUNTY,
WYOMING AS SHOWN ON MAP ENTITLED LEON LIVINGSTON TRACT FILED OCTOBER
1, 1960 AS INSTRUMENT NO. 356388 OF RECORDS OF LINCOLN COUNTY.
which currently has the address of 101 COTTAGE DRIVE
[Street]
ALPINE Wyoming 83128 "Property Address
[City] [Zip]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all
easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements
and additions shall also be covered by this Security Instrument. All of the foregoing is referred
to in this Security Instrument as the "Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed
and has the right to mortgage, grant and convey the Property and that the Property is
unencumbered, except for encumbrances of record. Borrower warrants and will defend generally
the title to the Property against all claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and
non uniform covenants with limited variations by jurisdiction to constitute a uniform security
instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note
and any prepayment charges and late charges due under the Note. Borrower shall also pay funds
for Escrow Items pursuant to Section 3. Payments due under the Note and this Security
Instrument shall be made in U.S. currency. However, if any check or other instrument received
by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid,
Lender may require that any or all subsequent payments due under the Note and this Security
Instrument be made in one or more of the following forms, as selected by Lender: (a) cash, (b)
money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any
such check is drawn upon an institution whose deposits are insured by a federal agency,
instrumentality, or entity or (d) Electronic Funds Transfer.
Loan Number: 0050050517
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
obt;8068
17 u.
Form 3051 3/99 (page 3 of 15 pages)
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Loan Number: 0050050517
WYOMINGSIngle Family-- Fannie Maa/FraddIe Mac UNIFORM INSTRUMENT
I.T. 3/00
Obeciabii.(6b 177
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
Initials Initials
Form 3051 3/99 (page 5 of 15 pages)
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•ugol slg3 g3Tm uopOatiaoo ui zapual ,iq pasn aOlnzas $up1oda1 Io /puu
uoT3rOT3uan x13 air3sa par r zo; a$ii qo atui3 -auo i gird o3 zamozzog azmbaz ,situ zapua-'
b uor3Oas slip uT anogr g3zo; 3as suoT1Or alp jo a10W Jo auo a)jul JO uali alp i;sprs
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uai' r op 3oafgns si A3zadozd alp jo 3zud km pup sautuua3ap zapuaq jj •luatun1isuj Animas
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17
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 snake 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: 0050050517
WYOMINOSingle Family Fannie Mae/Freddie Mee UNIFORM INSTRUMENT
I.T. 3/00
!nitl... Initials
orm 3051 3/99 (page 7 of 15 pages)
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0 6 it
Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the
amount and for the period that Lender requires) provided by an insurer selected by Lender
again becomes available, is obtained, and Lender requires separately designated payments toward
the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
making the Loan and Borrower was required to make separately designated payments toward
the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain
Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between
Borrower and Lender providing for such termination or until termination is required by
Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the
rate provided in the Note.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or
repair of the Property, if the restoration or repair is economically feasible and Lender's security
is not lessened. During such repair and restoration period, Lender shall have the right to hold
such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to
ensure the work has been completed to Lender's satisfaction, provided that such inspection shall
be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement
or in a series of progress payments as the work is completed. Unless an agreement is made in
writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender
shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds.
If the restoration or repair is not economically feasible or Lender's security would be lessened,
the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds
shall be applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the
Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the
fair market value of the Property immediately before the partial taking, destruction, or loss in
value is equal to or greater than the amount of the sums secured by this Security Instrument
immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender
otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the
amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount
of the sums secured immediately before the partial taking, destruction, or loss in value divided
by (b) the fair market value of the Property immediately before the partial taking, destruction,
or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the
fair market value of the Property immediately before the partial taking, destruction, or loss in
value is less than the amount of the sums secured immediately before the partial taking,
destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the
Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether
or not the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that
the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim
Loan Number: 0050050517
WYOMING-Single Family- -Fannie Mae /Freddk Mac UNIFORM INSTRUMENT
I.T. 3/00
nitial Initials
181
Form 3051 3/99 (page 9 of 15 pages)
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uopoauuoo ur pauuo .)zad saornlas so; saa; zamozzog agzigo Amu zapua'i •sagaggo ueo-i •til
•lapua-T
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ssarun luotunr3sUi *moos srgl zapun S1rr1g pule suor113ggo s,lamozzog umoi; pasgarai aq lot
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`zapua'-i Aq panolddl sr put `$upUM ur luaunulsai *moos slgl zapun suoparrgo s,lamozlog
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alp ,ianuoO pug 3U1?1 `aR1gllour o1 Aluo luaurtinsui ,(lrznoas sup 3urugrs -oo sr (Y) „zaugrs -o0„
a3ON a113 alnoaxa 3011 saop inq luaunulsui Alm loos s1t3 suBis -oo orrM zamolzog fug `JanamoH
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inorllrM &urpnlour &ip lum 10 1t[grz ,iue 8ursrozaxa 111 lapua•i iSq aoug11agior ,fud •Jamo11og
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1uauttulsur Allmon str3 Aq paznoas sums alp .)o uo13gzpzoru1 1 j!pour asrmzm11lo 10 3uaugud 101
amp puma 01 asn.)az 03 JO 1 MO11og .)o )saza3ui ur zossaoOns Iiuu 1surEge sgurpaaoozd aouaunu0o
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at3 asgaral 01 al1zado 1011 ours 1am0110g Jo Isazalu' 111 JOSSPO ns Sul JO 1aA O11og 01 lapul ,iq
paluga luauntrisur Allmon srt3 Aq pampas stuns alp Jo uop1zploun .)o u0il1DUIpODU 10 luan1,i1d
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18
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: 0050050517
WYOMING-Single Family—Fannie Maa/Freddia Mac UNIFORM INSTRUMENT
I.T. 3/00
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(Initl j (Initials)
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requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter
the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan
servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a
successor Loan Servicer(s) and are not assumed by the Note purchaser unless otherwise provided
by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as
either an individual litigant or the member of a class) that arises from the other party's actions
pursuant to this Security Instrument or that alleges that the other party has breached any
provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or
Lender has notified the other party (with such notice given in compliance with the requirements
of Section 15) of such alleged breach and afforded the other party hereto a reasonable period
after the giving of such notice to take corrective action. If Applicable Law provides a time
period which must elapse before certain action can be taken, that time period will be deemed to
be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure
given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower
pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective
action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (1) "Hazardous Substances" are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law
and the following substances: gasoline, kerosene, other flammable or toxic petroleum products,
toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde,
and radioactive materials; (2) "Environmental Law" means federal laws and laws of the
jurisdiction where the Property is located that relate to health, safety or environmental
protection; (3) "Environmental Cleanup" includes any response action, remedial action, or
removal action, as defined in Environmental Law and (4) an "Environmental Condition" means
a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any
Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property.
Borrower shall not do, nor allow anyone else to do, anything affecting the Property (1) that is in
violation of any Environmental Law, (2) which creates an Environmental Condition or (3)
which, due to the presence, use, or release of a Hazardous Substance, creates a condition that
adversely affects the value of the Property. The preceding two sentences shall not apply to the
presence, use, or storage on the Property of small quantities of Hazardous Substances that are
generally recognized to be appropriate to normal residential uses and to maintenance of the
Property (including, but not limited to, hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of (1) any investigation, claim, demand,
lawsuit or other action by any governmental or regulatory agency or private party involving the
Property and any Hazardous Substance or Environmental Law of which Borrower has actual
knowledge; (2) any Environmental Condition, including but not limited to, any spilling, leaking,
discharge, release or threat of release of any Hazardous Substance, and (3) any condition caused
by the presence, use or release of a Hazardous Substance which adversely affects the value of
the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or
any private party, that any removal or other remediation of any Hazardous Substance affecting
the Property is necessary, Borrower shall promptly take all necessary remedial actions in
accordance with Environmental Law. Nothing herein shall create any obligation on Lender for
an Environmental Cleanup.
Loan Number: 0050050517
WYOMINGSingle Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
18
orm 3051 3/99 (page 13 of 15 pages)
MWY13CV
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aRigtio Situ zapuai •sisoa uotitipzoaaz Suti Ssd otis zamozzog •ivaunzisui Allmon sup asuaiaz
zapua' `ivaunzisui Siunoas sup Act paanaas sums Hu 3o 3uauIICed uodn •asealag £Z
;i o; pal ;l ;ua SHaal suosaad JO uosaad ay; o; ssaaxa Sus (a) pus ;uawna ;sui
S;linaas slg; Sq patinas scans lie o; (q) :saa3 ,sSauao ;e aigeuossaa 'o; pa ;lw!! ;ou ;nq 'Bulpnlaui
'ales ay; jo sasuadxa He o; (e) :aapao ;lulmojo3 ag; u! pandde aq Hugs ales ay; jo spaaaoad
agi •a Sue ;e Spadoad ay; asryaand Sum aaualsap s ;i ao aapual •An37 alqgaiiddv £q pagInsaad
aauuew ay; ul Nos aq !legs S;aadoad ay; pus 'ales jo aal ;ou ay; gsHgnd Heys aapua'- •si uol ;aas
ui papinoad aauuew ay; ui aamoaaog o; ales ay; jo aai;ou ani2 Hays aapua' •M13' algsaiiddv
mph aauepaoaas u► ';uaaa33lp ay; jo uo!ssassod u! uosaad ay; o; pug aamoaaog
o; asoiaaao3 0; pow! 3o aapou aelB Heys aapua' 'ales 3o aamod ay; saymu! aapua-i 3I
•aauapina apl; 3o s;soa pus
saa3 ,sLauaone alquuos3aa 'o; pa ;iw!! jou ;nq Tulpnlau! 'ZZ uol ;aas sly; u! papinoad salpawaa ay;
Sugnsand ul paaanaul sasuadxa l[g papa o; pal ;i ;ua aq !legs aapual •msq algsailddy Sq pa ;lwaad
salpauiaa aay ;o Sue pus ales jo aamod ay; maim! Saw pus puetuap aagpn3 ;nog ;lm ;uawna;sui
S ;lamas slq; Sq pampas stuns He jo Hn3 ui ;uawSed a ;elpatuwl aambaa Sew uoc ;do s;! ;3 aapual
'aal ;ou ag; u! pagpads a ;gp aq; aaopaq ao uo paana ;ou s! ;Ine3ap alp 3I .ales pus uoi;gaalaaae
o; aamoaaog 3o asuajap aay ;o Sus .to ;inglap 3 3o aaua;sixa -uou ay; passe o; uol ;a3 ilnoa
g gulag o; ;gain aq; pus uol;eaalaaae as ;33 a;g;suiaa o; ;gala aq; jo aamoaaog waoju! aag n3 !lugs
aapou agj, •Spadoad ay; 3o gin pus ;uawna;sui S ;lamas sly; Sq pampas stuns ay; 3o uollelaiaaae
u! ;meat Sew aapou ay; u! paUPads a ;3p ay; aaopaq ao uo ;Ine3ap ay; aana o; aanlis3 Igg;
(p) pus :palm aq ;snw ;Ine3ap ay; galgm it! 'aamoaaog o; uanlq s! aal;ou ay; a;up ay; woa3 sSgp
0£ egg; ssa! ;ou 'am) g (a) ;Ine3ap ay; aana o; paainbaa uolpe ay; (q) ;Ine3ap ay; (u) :S3pads
!legs aal;ou aqy (as!Auay ;o sapRoad itw algealiddv ssalun gi uol ;aas aapun uo!;3aalaaas o; aolad
;ou ;nq) ;uawna;sui S ;lamas sly; u! ;uatuaalBe ao ;usuanoa Sus jo yagaaq yamoaaog 2ulmollo3
uol;3aalaaag o; aoild aamoaaog o; aaiou anlff !legs aapua1 •salpawag :uopuJalaaav •ZZ
sMOito3
SE aat& Hue iueaanoa Jar izn3 zapuaq puti zamozzo
H 'S.LNVNaAO3 YARIOdINfl NON
Ui;0 ty4,; 18
24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead
exemption laws of Wyoming.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in
this Security Instrument and in any rider(s) executed by Borrower and recorded with it.
0 AUL NS
CLAUDIA EVANS
STATE OF A A
MARICOpA ss:
COUNTY OF WINNOW
On the a8th day of /L»t414) A.D. door, personally appeared before me
L PAUL EVANS and CLAUDIA EVANS
the signer(s) of the above instrument, who duly acknowledged to me that he /she /they executed the same.
I CAROL A. KNERINGER I
1 Notary Pubic Arizona I o QJL6 Q
Maricopa County
My Commission Expires
My commission expires
Loan Number: 0050050517
[Space Below This Line for Acknowledgment]
WYOMING -Single Family Fannie Mae/Freddie Mee UNIFORM INSTRUMENT
I.T. 3/00
Notary Public residing at:
(Initials)
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
=orm 3051 3/99 (page 15 of 15 pages)
MWY15CV