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0 0 0721 "41rbGETHER WITH all the imph, ements now or hereafter erected on the proper,:-J, and all easements, appurtenances.
and fixtures now or hereafter a part of the property. All replacements and Instrument. All of the foregoing is referred to in this Security Instrument as the "Property."
additions shall also be covered by this Security
431
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:
I. 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 Nbte 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 tine, 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 a.s 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.
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; (b) contests in good faith
the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to
prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender
subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien
which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower
shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice.
5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including
floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for
WYOMING Single Family Fannie Mae /Freddie Mac UNI FORM INSTRUMENT Form 3051 (page 2 of 6 pages)
WYCMTG2
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any condemnation or other taking of
assigned and shall he 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 them 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 failing 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 successors 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 successor 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 Several 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.
13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan
charges, and that law is filially 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 charged under the Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the
Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by
first class mail to Lenders address stated herein or any other address Lender designates by notice to Borrower. Any notice
provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided
in this paragraph.
15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law or the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument of 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. To this end the provisions of this Security Instrument and the
Note are declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any
interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a
natural person) without Lenders prior written consent, Lender may, at its option, require immediate payment hi full of all
sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by
federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of
acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to
the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice
or demand on Borrower.
18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as
any part of the Property, or for conveyance in lieu of condemnation,
WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
849
433
are hereby
Form 3051 (page 4 of 6 pages)
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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 alld
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
Witnesses:
Adjustable Rate Rider
Graduated Payment Rider
Balloon Rider
Other(s) [specify] M o r t g a g e Rider
STATE OF WYOMING,
The foregoing instrument was acknowledged before me this O day of
BARBARA T STEINER
My Commission expires: 3 0_ 6) D
C.B.N» a -NOTARY PUBUC
County d State of
Lincoln Wyoming
Commission Expires March 18, 2001
C. B. NEEL- REINHART NOTARY PUBUC
County of i. State of
Lincoln y. Wyoming
M Commission Expires March 18, 2001
,2b 7
X
Condominium Rider
Planned Unit Development Rider
Rate Improvement Rider
c,' County ss:
(person(s) acknowledging)
WYOMING Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages I through 6 of this
Security Instrument and in any rider(s) executed by Borrower and recorded with it.
ARBA STEINER
a✓ 1.4 &t--
4- d -C U
1-4 Family Rider
Biweekly Payment Rider
Second Home Rider
9 by
851 43,E
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
Notary Public
Form 3051 (page 6 of 6 pages)
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coverage on the Property is deemed satisfied to the extent that the required coverage is
provided by the Owners Association policy.
Borrower shall give Lender prompt notice of any lapse in required hazard insurance
coverage provided by the master or blanket policy.
In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair
following a loss to the Property, or to common areas and facilities of the PUD, any proceeds
payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the
proceeds to the sums secured by the Security Instrument, with any excess paid to Borrower.
C. Public Liability Insurance. Borrower shall take such actions as may be reasonable
to insure that the Owners Association maintains a public liability insurance policy acceptable in
form, amount, and extent of coverage to Lender.
D. Condemnation. The proceeds of any award or claim for damages, direct or
consequential, payable to Borrower in connection with any condemnation or other taking of all
or any part of the Property or the common areas and facilities of the PUD, or for any
conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such
proceeds shall be applied by Lender to the sums secured by the Security Instrument as
provided in Uniform Covenant 10.
E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and
with Lender's prior written consent, either partition or subdivide the Property or consent to:
(i) the abandonment or termination of the PUD, except for abandonment or
termination required by law in the case of substantial destruction by fire or other casualty or
in the case of a taking by condemnation or eminent domain;
(ii) any amendment to any provision of the "Constituent Documents" if the
provision is for the express benefit of Lender;
(iii) termination of professional management and assumption of self management of
the Owners Association; or
(iv) any action which would have the effect of rendering the public liability
insurance coverage maintained by the Owners Association unacceptable to Lender.
F. Remedies. If Borrower does not pay PUD dues and assessments when due, then
Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become
additional debt of Borrower secured by the 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.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in
this PUD Rider.
(Seal)
ARBARA T STEINER Borrower
f p /a/44A,
(Seal)
Borrower
0007217946 (Page 2 of 2 Pages) I.T. 2/97 Form 3150
MULTISTATE PUD RIDER Single Family Fannle Mae /Freddle Mac UNIFORM INSTRUMENT ROR2PUO ML -232 R 4/91
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WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Rock Springs Mortgage Production Office
1400 Dewar Drive
Afton, WY 83110
ATTN: Charlotte Neel- Reinhart
MORTGAGE RIDER
NOTICE: THE MORTGAGE SECURES A CONSTRUCTION NOTE THAT CONTAINS
A PROVISION ALLOWING FOR CHANGES IN THE INTEREST RATE. INCREASES
IN THE INTEREST RATE WILL RESULT IN HIGHER PERIODIC PAYMENTS.
The Mortgage Rider is made this 18th day of August, 19 9 9
and is incorporated into and shall be deemed to amend and supplement the Mortgage of the
same date given by the undersigned (the borrower) to secure Borrower's Note to
First Security Bank, N.A. (the Lender)of
the same date (the Note) and covering the property described in the Mortgage and located at
11 NORTH BRANCH CIRCLE, THAYNE, WY 83127
(property address).
In addition to the covenants and agreements in the Mortgage, Borrower and Lender
further covenant and agree as follows:
A. INITIAL INTEREST RATE. The Note has an initial interest rate of
Seven and One-Half percent 7.5000
B. CALCULATION OF CHANGES. The Note interest rate may be adjusted
periodically, as described in the Note. Changes in the interest rate are governed by changes in
the prime rate of interest quoted by
Prime rate is the bank's announced rate of interest used as a reference point from which the
cost of credit to customers may be calculated, and is subject to change from time to time The
bank may make loans bearing interest above, at or below its prime rate.
TRANSFER OF INTEREST. Should Mortgagor sell, convey, transfer, assign, lease,
encumber, or in any other manner, dispose of the property covered by this Mortgage or any
part thereof or any personal property at any time covered hereby securing any or all of the
obligations secured hereby, or turn over the possession, management or operation of the
property covered by this Mortgage to any person, firm or corporation, or sell, convey, transfer,
encumber, or dilute more than fifty percent (50 of the current outstanding capital or
ownership of the Mortgagor, or agree to do the same, without prior written consent of the
Mortgagee, then Mortgagee shall have the right at its option to declare all obligations secured
hereby immediately due and payable. Consent to any such transaction shall not be deemed to
be consent or waiver of the necessity of consent to any other transaction. Upon the occurrence
of any such transaction, either with or without Mortgagee's consent, Mortgagee may increase
the interest rate of the indebtedness secured hereby to its then prevailing rate for loans of this
nature, as substituted rate of interest for that stated on the Note secured hereby. If Mortgagee
0007217946 (Page 2 of 2) RID1MCON
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