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HomeMy WebLinkAbout868698aauaoo gsEatpnos atp tuoaT IsaM spoor szotto; se pagTaasap 1CTaatnoTgaed eaotu BuTaq BuTtuoAM 'Aqunoa utoOuT'I 'a4Tsumos uo43K aup oq 61 xoOTS 3o qoj 3o gored :2utuioiCM Aluno0 N IOONI'I ui palm! 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II()O9 ifio`JNI Q3AI3O3:1 L 30 t aged [apoo d!Z] „ssa.ippd Muadozd„) 011 8 2uituoiiM [hails] NOS3K Hf1NHAK HIS S S SM L JO ssaapps 01.11 011 WIllm •BuTuuTSaq go luTod alp oq spoor Ot Mqnos aouet14 :spoor E gsEH aouagq =spoor OT t.4a0N 190u9u1 :spoor geem aauauq BuTUUna pua loi pTas ;o ST PT goTCiM quTOd qv ONINNIOHS VDI2iHWK 30 a3VO1 IOI Mau Surpionli lad aun situ, anogy ands] a�da xa� xoog 869898 ISOEVINN3 .LN3Wf1117.SN1 tutoi N(1 °BIN alPPaa3(ae14 911ve3 ill 3 *ISMS 01111VOAM S fl NOILVIOOSSY DNI)INKS 'IINOILVN V £S M )INKS FIKNOMIN SS2II3 01 uan45 si luaunldisui Xltinoas sail, 23 IM aNK aNKSSf1H 'NOS'IIM O oLHNKf aNK NOS'IIM 0I2IH 'IHKHOIN si iaauoru au 0 0 0 Z 6 Z 2IHSLdHSdHS uo uani3 si (""luarutuisui iiiunoaS aovo LUOI4 SIH! T7i'96E LOT 'ON NKOTI OTT£8 AM 'NOZ3K OZ9T XOS Od LS M -)INKS 'IKNOISKN ZS2II3 Os N?IILL32I aammoS2i NHHM S39318011 JO' 33S eV OP pow sEyi ,1i 7 s 40 jil evan3w viol ......,i US C861 245 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 and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. 2601 et seq. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may 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 such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may 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 However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may 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, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Page 2 of 7 Initials: c 77 :41117. 9P2 L 30 aand ISO£VNINA 1 NBIQ[1N LSN[ INIIO.INO 3 14I aIPPak3/aeYi aryaeg ,Cpum1 aI 141 S ONINIOAM •os op of am! lou saop mpg./ `L, gdE.22lud sttr zapun uollou axes Amu zopuaj g2nogijv •s .11Eda1 axetu o1 filmdozd all uo 8utz01Ua pue saa3 ,siiatuofy algeuosuat 2ulAud `lznoa u! guugadde `luaunulsui Alinoas sill 1OA0 iiluoud s2q gottm uatl m itq palnoas stuns ,iue Suliitd apnlpul ,smut suopoy s,lapuaj 'filmdom all ul s1g2u s,zapun pUe filmdozd 0141 o 0niun al. loa.ozd o. /.rum= si lanalElm zo3 hd pug op ,(gut zapua-i uali `(suol1Ein8a1 JO SmEI aosojua 01 JO a1n11a31o3 10 uotluuutapuoo 1o3 `a2Egold `fioldn n uuq uj 8uip00ooid g SE tons) filmdold 0111 ul s1148u s,lapurj 1og33m XpueotJnais Amu legl 8uwp0000id j22a1 u St 01at1 10 `1Uatunl.sul Agmoos 81141 ut pautuluoo s1UautOaz2E pug sluuu0noo 01414 tu.1o3 .1ad of my' zamozzog 3I •4wdoad al; ui wpm s,aapua'j Jo uoT ;aa ;oad L •2u1111m ui za81 U1 all 01 saa1 lapun ssalun ablaut iou imp apll 00 atp pug pjo14asu0j 0141 'filmdom 0qi 01 aim 003 sa1lnbom 1amo11og 3I •asuaT ow 3o suotslno .1d all ii214.Im Aiduloo TIEgs 1aMO.LOg `pjotasuoT g uo st luatunzlsuI ii111nooS s1gl fl •aouaptsaz lediouizd y su filmdom ow 3o ,iouudn000 s,1amo1log 8uiuiaouo0 suoilgluasazdaz 'o1 pap!! 1ou mg `2utpnioul 'aloN all Xq paouaptn0 uuoT 0141 g11m uoiloauuoo ut (uoilutuuojut iei1algut iiu2 141tm lapua1 apinold o1 paitE3 so) .1apun 01 sluautalm1S .10 UOt1EUIIOJUI aluznoouui .10 asiu3 Atieizaleut ana `ssaoozd uomoilddu uuol all 2Ul1np `zamozzog 3j Timm Uj aq osje Tjegs 10M0 .1.10g •1Sa1a1ut J1!1noas s,zapua 10 1Uatutulsul Diu .1noas sill fiq pavan uajl all o 1Uautzledutl I2!1a.eut zal10 10 A110d01d all ut Imam! s,lamoz10g 0141 o aln;ta31o3 sapnioozd 'uotlgujt0zal0p 111m3 poo8 s,lapu0l ul '1m1 80111tH 2 t11m passuuslp oq o1 8ulpaaooid JO Wipe all 2uisnuo Ai `8i 14dE .132 .1td ui paptnold Se `alelsulat puu Timm E tons amp ICEtu 1amo11og •Isazalu! Xlunoas s,1apuaq 10 luatun.zlsui 'ilunoas st n paw= nail alp 1ludtul Alietlaluut astmza .10 Xlzadold all o a1nlla31o3 ul 1Tnsa1 pinoo 1Uaut3pnf 11103 poo8 s,lapu0 111 imp ungaq Si `luulmi10 10 T1n1 zatlatm `8ulpaaoozd 10 00110E alnllaj1o3 ,ittm 3i 1m2jap ut aq imp 1amo11og 'filmdom a uo alsum 1!UttuoO .10 '01y1011010p or filmdom 0141 molly `ii110dold all ztydUI! z0 auutup `/Co11Sap IOU ITu14s 10M0 .1.10g •Ioz.UOO S, .1am0 .1log puofiaq 012 t0ilm IS!x0 sao112.sumOIIO $u112nualx0 ssalun 10 `piatItllm ATgeuosealun aq 1ou huts luasuo0 101tm `2u1111m 11 80012E astm1a1410 .apu0-1 ssalun `,iotr2dn000 3o alup otp mug 12aA ouo 18201 12 103 aouapts01 iudiouud S.J0M0ll0g SE A1zad0zd 01414 Adn000 01 anujluo0 amp pug luatunzlsui Alpn0as sill o uollnpaxa all .1013E sii2p Alxis uj1411m aouaplsaz I2dlouud s, zamozzog s2 A odozd 0141 osn puu `lsjigmisa `Adn000 jlels 10M0110g •spiotasea1 :uo►;eaiiddy uuoi s,aamoaaog :,f;aadoad all 3o uoi ;pa ;oad pun aoueua;uteytj °uoi3Bnaasaad 'AouednaoO •9 •uollisinb02 all zoud ,ila1Etp0Utun luounutsui Altln0as sill .iq paznoas sums a113o Iualxa 0141 01 lapua' 01 ss2d liyls uotlislnbou atll 01 zoud A11ado1d all 01 a82Ut2p uto13 2u111nsa1 sp0000id pue saioliod aouuznsul Aug 01 11511 s, .1Omolzog `1apua-1 pa.1mb0u s► A110do1d all IZ ld2182 zapun 3I •sluatuhd at13o lunoutu 0141 amp 10 Z put T std218212d ut 01 p0110j01 sluatu1i2d /ll.nuo .1 all o alup alp 0141 auodlsod 10 puma IOU T[E14s Tudtoulzd of sp0000id 3o u0t1u0tjdd2 iCue `2uUum 0t 0018E aslmzaglo zamozzog puu 10pu0' ssOTun •u0n12 sl 001100 all uatm ui$aq iilm pouad hp -0£ ota •anp imp 1011 10 z0tlagm `lUatutulsul Alun0as 51141 ,Cq pampas sums Cud 01 10 MCuadOld ati1 a101S2z 10 Slab.' 01 sp0000id 0141 asn Amu .apua-3 •sp0000zd aotr2lnsut all 10ajjoo ,Gout zapua'l 00141 '011210 E alms of p01a330 Set 1011120 a0UI1nsUt all 12141 lapua-1 utauu 0011011 2 shp p£ u1tl1m lamsu2 loo soop 10 `A11ad01d 0141 suopu qe 1am0110g n •1amo11og 01 mud ssOOxa iiU2 111m `anp 001414 1ou 10 1a141014m `lu0Utnllsui A.lm00S sit. Aq paznoas sums all 01 patidd2 oq imp sp0000id aOu2msui aril `pauassal oq pjnom A1tm008 s,1apUOZ 10 algis2a3 iiJTE0ttuouo00 loo sl 1reda1 10 00112101801 0141 31 •pauassal 1ou sj Aginoas s,1opua-1 put OIgis2a3 XIi2oltuouooa sl 112da1 10 u0132103S01 0111 3i `pa2etuup filmdold all 3o 112da1 .10 trot.2103S01 01 palidd2 aq Timis sp0000id aou2.1nsuj 4 2u11um ul 0012E astmlaglo Jammu pug Japuoq ssalun •zamozzog 1q 1ilduIozd ap2tu 1ou 31 SSOI o 3ooid 0x201 ,(2111 zapua'T •1apua'l put 1011120 OOU2 .11SUI 01I1 01 0011011 ldtuozd ant2 112148 zamOZZOg `88014 o Juana all 11T •8001100 Iumauaz pue sum!Uta1d pied 3o sldlaooi T12 zapua or ant21j.duio .1d !Imp 10M0110g `sa1inbaz zapu0'l JI 6812201101 put satojjod 0141 Nog o1 lti2u 0141 anvil 112ls zapua'i •asn2T0 022211out p12puels 2 apnjoul !Imp pue zapua-j 01 aig2lda00e oq !Tugs SI2MOUOI put sa1ollod a0u21nsu1 lid 14d212212d 14112 00U1p10002 111 1(110d01d 0141111811811 s,lOpuaJ 100301d of 02210n00 u12Igo `uolldo s,1opuo 12 `Mutt zapual `anog2 paquosap 0R210A00 ulelu12W 01 81123 zamozzog 3I •pi 1Clg2uosEazun aq.ou 112148 1101142 j2no.1dd2 s,1apua -1 o1 pofqns zamozzog fig uasop0 oq 11ulls aouuznsul all Su!P1n01d 1011120 00U21nsu1 014j sa.11nb01 1apua1 12141 spouad all 103 pue sumo= all ut pau121u12Ut oq ii2ls a0U2lnsu1 si14j •a0U21nsui saltnbaz lapuarl 140i14m 103 `21111)0011 JO Sp0op 2tgPnlouj `spz2z214101410 Attu put „a32zanoo papua.xa„ mar 01414 ulgljm papnjoul smut! '0113 1q ssOI 1801222 pamsu! 1(llodoid 011. uo moon 101320101 JO 2111381x0 moo sluautanOZduzj 0141 daax Hugs Iam011og •aoueansuj 1ltadoad 10 Pa' H •S 001100 o 2ulnj2 ag13o s1i2p OT ujgljm anog21411o31as suo1102 0141 OIOt11 z0 0110 03I21 JO 11011 0141's11ES iiglS zamozzog •ua1T a 8upcjI Uap1 Oop0U u 10m0zz0g 04 1(2W zapua-1 `.11atunl.sui 1lun0as sill 1OA0 41011d 1112112 Amu 140112 0011 m o1 loafgns st filmdold 0141 o 112d Au 12141 s0utu1zalap 1apu0'l 3I •luaumzlsul klunoos sill 01 uali all 2u1.2U piogns 1apua7 01 A1010uJspus 1UauUaa122 112 malt a 3o 10P1014 all utOZ3 sa1n0as (o) 10 :uatj all o 1uaUta0zoJua all luanazd 01 a1210do uoltrtdo 8,zapu07 all ut t0i1m s2ulpaaoold 122oT `ut 0014 at13o luautaOzoJua 1801222 spuO3ap 10 '1q 00110141 -11123 poo8 01 slsaluo0 (q) :1apuor1 01 alg21da002 Jammu a ut troll all 1(q pampas uopm2tigo all o luatu1iud 0141 01 Su111zm trl Saa122 (2) :zamozzog ssalun .U0um11SUT Auznons sup lano 1luoud 8214140i14m 00141 Cum 02121T0s!p 1j.dutold 112148 zamozzog N b 9S9F O WYOMING Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT FNMA3051 Page 4 of 7 Initials: 247 Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, 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 approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the 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 condemnor offers to make an award or settle a claim 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 proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. 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 any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successors in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Severable Liability; Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument but does not execute the note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower'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 may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. •,Claadoad alp Jo a0ugualulgul 01 pug sasn Igpuapisaa Iguuou 01 al11udoiddd aq o1 paziaooal Augnua2 18141 samimisgns snop°rezgg 3o sappuunb hums 3o ,Cfaadold 0111 uo 0211101S JO `asn `aouasaid 0111 01 Aidd11 fou Iigis saoualuas oml 2uipaoazd 04 °MErl 1111uau UOJIAug /WE JO UO1T loin ui Si 1 Xuadold 0141 upoa33u $uupAtr11 `op o1 asp auoAug molls aou `op lou Iie4s aamoaaog •Ailadoad alp ui io uo saoueisgns snopagzgg Aug 3o asualai 10 `oSelofs lusodstp `asn `aouasaid 0111 liuuad 10 asnno lop Hugs iamo°uog •saouolsgns snopaezeH 'oz •mgi ojgt iddg Aq poppbaa uop11uuopu! zaglo Aug urefuoo oslg ii!^n aOpou a4.L •apuui aq pimps siu0111Ard popim of ssaippg alp pug aaoin.ias ego' map a413o ssalppg pum alum a41 a111is !um aopou 0142 •mul aiquoiidde pug anogg vI 4duigund ppm aougpi000g ui amp oip 3o aopou ualll1m uanp aq iium 1amonog `aaoinias ugol a41 3o auto 11 s! maul 3I •01oN 0413o aps g 01 pa111l0aun 1aoinzas 11110'1 alp Jo sau114o slow 10 0110 aq rCgui osig 010 •luauzn1lsul Allmon s141 pug aioN 0111 iapun anp sivatuAgd'Clgluouz spalloo 11141 aooin1oS 11110 L 0111 Su umouWI) /(111110 041 u! 0 U11po 11 111 llnsaa /uuz 0185 y •1amoalog 01 aopou aopd 1no111im 5011111 0x011' 10 auo Nos aq iCuui (luaunuisul /(411100S 5141 411M aa4fa2o1) awls' a41 ui 1s01alui mind B .10 aioN 0 4.1 •aaa►eaas pool 3o au1q) !a3oN 3o ales '61 LT gdgaulgd lapun uop111a1000113o ono a41 111 Aiddu lou Hugs alglsulaa 011112!1 sup `aanamoll •pa.1an00o pug uo1lgaal0oog ou 3! s11 an1100330 /(iin3 uigumoi Burls /gaaa4 paanoos suou11$ilgo 041 pug luaulnalsul /1!lnoas situ `Jamo°uog /(q fuaulalglsuiai uodn •pauugoun anuiluoo Ite4s luauinalsul (lianas su41 /q patinas sums 041 /ud o1 uopallgo S,10M0110g pug /Claadold 0141 u! 5142!1 s,aapual `fuaUnulsul /ljnoas s141 3o pall a41 18 a1nssg 01 azinbaz /lgquosgal Auu1 .zapua' s11 uoilou 'Ions swirl (p) pug :soa3 ,s/Cauaoug algguosua.i `01 paflui!! 1011 inq `2u!pni0u! luauliulsul Alunoas 5Tp1 2u10aoJu0 ut p01an0ut sasuadxa 1111 s/11d (o) °s1Ua1u0ad11 10 sluuuano0 10410 Aug 3o 1ingJap Aug 50.'110 (q) :pann000 p114 uopu1a100011 ou 3! sg aioN a41 pug luauu'ulsul /lunoas sup aapun anp aq mom 11041 40!4m sums Ile lapua'I s/11d (11) :aamollog 111141 a111 suoplpuo0 aso4Z •luauinalsul /lunoas sup 21110103110 1U0W pnf u 3o tilua (q) JO °111aum11su1 /lunoas st41 ui paureluoo ales 3o aamod Aug 01 lu11nsand filmdold a41 3o ales atom (1uauma1111suiai ao3 X3ioads Am m11! alg11olldd11 511 popad aa410 110115 ao) &iup s (11) :3o 10'11110 am 01 aoiid amp Aug 1g panutluoosip luaulnalsul Allmon sup Jo 111011100103110 anti 01 114Wi1 041 0111114 slugs aamoaaog `suoplpuoo urelaa0 5100u1 zamozzog 31 •alolsuiau 01 114 )i s,aam0aa0g •81 •aamoaaog uo pu11ulap 10 0011011 1a11an31no41im 111011111115111 /(lpn0as sup /(q p0111uuad satpam.! Aug 0)lonu! /'11111 aapuoi `poi.iod sup Jo uo111111dx0 0111 01 .loud sums amp /11d 01 Slre3 aamollog 3I •1u01unllsui /lunoos sup /Cq palnoas sums 1111 'cud lsn'u IOMOIIOH 4014M ui14fim pall11ul 10 pan/glop s! 0011011 a41 amp 041 wog s/gp 0£ 111141 SSai 1011 3o popad 11 apinoid 111145 0011011 04j •11op1110j00011 JO 0011011 aam0laog 0/4 1'8115 Japtiaq `uopdo sup sasl0aaxa Japua'13! •luaumalsul ,C1ilnoas sup Jo am) 041 3o 511 m11! igzapa3 /(q pot q!uoad s! as!oaox0 3! aapuaq /Cq paslo1oxa aq lop 41145 uoiido sup `IOnamoI •fuau'nalsui /C1ilnoas si ,iq paanoas sums He 3o 4113 111 luaul/ud al11ipaulut! apnbaa 'uoiido Si 1 111 'Ague a0pual luasuo0 uallpm loi.id s,aapuo 1no41!m (uosiad 1g1n1gu 11 1011 s! 10M0110g pug pa11ajsu1111 so pios s! 1am011OH 111 lsaaal11! igi01 113i 10) paa1aJsu1111 JO pesos si 1! ui Isaaalui Aug a0 /C1.iadoad 0413o 1111d Aug 10 4g 3I •aamoaaog ui lsaaaluj I1ia13auag o ao Andead ag13o aaJsu1UZ •L1 •luaumiulsul Allmon sup Jo pug aloN 04130 Ado° pa111a0Ju00 0110 U0A1g aq 11u45 aamOIIOg •&d0D S,13,110aa011 •91 •algg1anas aq o1 pa.repap a111 aioN a41 pug luau1n.11sui /11a110OS sup Jo suoislnold 041 pea si41 oy •uoisinoid 2u110l11uo0 0141 1no411m 100330 uan12 aq 11110 401411 010N 041 JO 1Uauma1SUI /111n00S 5141 30 suo!sino.id 10410 1003311 1011 11 10431100 tons `1111' opg113 Jddg 41111 s1 020N 041 10 luauilufsul ,'11111005 sup Jo asn11i0 uo's!noad Aug imp mono 041 uI •palg001 s! /lladoad 0 41 goi4m u! uono!psunf 041 3o mg! 041 pug MEI 111.1apa3 ,iq pauaano2 aq 41145 luauin°'1su1 Rlunoas sn j •Allligoaanas :MM11 2uluaano) •ST •1d11B11a11d sup ui papinoid 511 1101112 ua4m aapuarl so aamoaaog 01 U0/0 110011 011114 0111011100p aq 41145 1u0u11ulsul (limoas s141 ut 103 papinoad 00p0U /Cuy •aamoaaog o1 aopou /Cq sa111ua1sap iopua-I ssaappg 10410 Aug JO 11'0104 palms ss01ppg s,a0pu0'I o1 1ig11i solo log ,Cq uan42 aq Hulls aap11arl 01 00'1011 Am/ •aapua1 01 0011011 /Cq Salgu5Isap aamoaaog SSaapp1110410 Aug ao ssalppy /laadold 0141 01 paloaatp aq 411115 aopou a4L •po41au1 aapiouu 3o asn saambai mgi aigg01ldd11 ssalun mu! 551110 log /q 1.iji11ui /(q so 1! Su!Janllap /Cq uan12 aq ilgis luaunulsul Allmon s141 111 1o3 papinoad JO/WO-1.10g 01 0011011 /uy •saolloN 'bi •010N 01411apun Amp Aug lnoglim 1uau1/i11daid 111p1ud 11 sg pa111a11 aq Ilim uo!lonpa1041 `i11d!ouud soonpoi pun30a 11 •aamoaaog 01 lua111,C11d loa1Ip 11 2uP111u1 (q 10 010N 041 1apun pamo Igd!0uud a41 $1p0npa1 /Cq pun3aa sup 03111111 01 050040 ,'11111 aapuai •aamoaaog 01 papun30a aq 111m sliui!! palliuuad papaaoxa 401411 aamoaaog 11ioa3 paloalloo /p11ailu sums Aug (q) pug :pup! palltuuad a41 01 Amp 0141 0onp01 01 /(°'115500011 Juno= 041 /q paonpaa aq imp Amp um tons Aug (11) :11041 11 pa11!u1aad a41 paa0xa 111101 a41 41im uo110auuo0 111 pal°alioo aq 01 pa1001100 Salag40 u11ol 10410 a0 15010111! 041 11141 os pafaadtalu! /(11111113 s! M111 111141 pug 'S0 11140 u11o! umullx1111 5105 40i4m m11! 11 01 i0afgns S! luau1n11sul (ipnoas sup /q paan0as 11110' a4131 •saaaogD tool '£I 81 (\ili, L Jo S aSed 1S0£tl1YN3 mammas/4i N1110.111411 n1 a1PPa l mtvi aluueg allu1S OMINIOAM Borrower shall promptly give Lender written notice of 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. If Borrower learns, or is notified by any governmental or regulatory authority, 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. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances 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. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. 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 paragraph 17 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 paragraph 21, 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 paragraph 14. 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. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtsey and dower in the Property. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] x Adjustable Rate Rider 1 -4 Family Rider Balloon Rider Condominium Rider Graduated Payment Rider Rate Improvement Rider Other(s) [specify] Tax Exempt Financing Rider WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FNMA3051 Page 6 of 7 Initials: 249 Planned Unit Development Rider Biweekly Payment Rider Second Home Rider J MOliOfl (i 10MOl1OB (iugs) 1aMOIlOg (RS) OSZ 000Z `6Z aaqua1dag NOS'IIM 0I?M 'IlVHOIW L Jo L abed 70S MOW() PM PUTT /CM los orunazai! anuti I `dO3U1HM ssamuM uI 2u0'paimouxad (s)uoszad uo `oiignd kleloN a `our azojaq papaimouniou sum luatuansui 2uio20.1o3 oia :Ss( TSOEV WNA .LNaN((11LLSNI 1'a1O3IN(I =W 0 IPP 4 k1 aluu94 Apnea aIBuIS ONIWOAM 11, :sazidxa uoissiururo3 AI uosTTM 'O jausr 9 uosTTM aT1g Tornio 4 uTO,UI I 1O A,IMf1OD 2upuoi AO HIV IS :sassau3!M '11 Ti}TM papiooaz pue zamonog ,(q poinoaxa (s)zapu i(TIe uT puu 1uaWUnzrsul Mliznoos snit ui pauieruoo Slueuanoo pue suual aril of saazge pue sIdaaou zamozzog `MO"Idg JAIINJIS AEI MORTGAGE ADDENDUM The following• is an Addendum to the Mortgage. The addendum shall be incorporated into, and recorded with, the Mortgage. TAX EXEMPT FINANCING RIDER This Tax- Exempt Financing Rider is incorporated into and shall be deemed to amend the terms of the Mortgage to which it is attached. In addition to the covenants and agreements made in the Security instrument, Borrower and Lender further covenant and agree as follows: Lender, or such of its successors or assigns as may, by separate instrument, assume responsibility for assuring compliance by the Borrower with the provisions of this Tax Exempt Financing Rider, may require immediate payment in full of all sums secured by this Security Instrument if: a) All of part of the Property sold or otherwise transferred (other than by devise, descent or operation of law) by Borrower to a purchaser or other transferee: i) Who cannot reasonably be expected to occupy the property as a principal resident within a reasonable time after the sale or transfer, all as provided in Section 143(c) and (1) (2) of the Internal Revenue Code; or li) Who has had a present ownership interest in a principal residence during any part of the three year period ending on the date of the sale or transfer, all as provided in Section 143(d) and (1) (2) of the Internal Revenue Code; or iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area residences), all as provided in Section 143(e) and (1) (2) of the Internal Revenue Code; or iv) Whose family income exceeds applicable income limits as provided in Section 143(f) and (i) (2) of the Internal Revenue Code. b) Borrower fails to occupy the property described in the Security Instrument without prior written consent of the lender or its successors or assigns described at the beginning of this Tax Exempt Financing Rider, or c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended, in effect on the date of execution of the Security Instrument and are deemed to include the implementing regulations. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions in this Tax- Exempt Financing Rider. Borrower Michael Eric Wilson MPP 210 B (Revised 12/95) B rower Janet G Wilson 2 51.