HomeMy WebLinkAbout868780This Mortgage
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WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
0050050749
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 29, 2 0 0 0
together with all Riders to this document.
(B) "Borrower" is
STEVEN H STALEY, a married man
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 Un i tad 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 29, 2 0 0 0
The Note states that Borrower owes Lender
Forty Thousand and No /100 Dollars
(U.S. 40,000.00 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 2007
(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.
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WYOM NG- Single Family- -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
RECEIVED
NC C 0 r;!
OO OCT 4 t' H
KEMMERFF. WYOMING
453 47,
BOOK_____._. PR PAGE
Initials) (Initials)
SY)
Form 3051 3/99 (page 1 of 15 pages)
MWYOICV
U SC 3' 80 473
(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. 2601 et seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard
to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage
loan" under RESPA.
(P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and /or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
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: 0050050749
Condominium Rider
Planned Unit Development
Rider
Biweekly Payment Rider
W YOMINO- Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
FSB 08 /00
(Initials)
(Initials)
S
n Second Home Rider
Other(s)
Mortgage Insurance Rider
Form 3061 3/sa (page 2 of 15 pages)
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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: 0050050749
WYOMING-Single Family .Fannie Mao/Freddie Mao UNIFORM INSTRUMENT
I.T. 3/00
(Initials) (Initials)
Form 3051 3/9t (page 4 of 15 pages)
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proceedings which in Lender's opinion operate to prevent the enforcement of the lien while
those proceedings are pending, but only until such proceedings are concluded; 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 can attain priority over this Security Instrument, Lender may give Borrower a notice
identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall
satisfy the lien or take one or more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one -time charge for a real estate tax verification
and /or reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter
erected on the Property insured against loss by fire, hazards included within the term "extended
coverage," and any other hazards including, but not limited to, earthquakes and floods, for
which Lender requires insurance. This insurance shall be maintained in the amounts (including
deductible levels) and for the periods that Lender requires. What Lender requires pursuant to
the preceding sentences can change during the term of the Loan. The insurance carrier providing
the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's
choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in
connection with this Loan, either: (1) a one -time charge for flood zone determination,
certification and tracking services or (2) a one -time charge for flood zone determination and
certification services and subsequent charges each time remappings or similar changes occur
which reasonably might affect such determination or certification. Borrower shall also be
responsible for the payment of any fees imposed by the Federal Emergency Management Agency
in connection with the review of any flood zone determination resulting from an objection by
Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain
insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to
purchase any particular type or amount of coverage. Therefore, such coverage shall cover
Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the
contents of the Property, against any risk, hazard or liability and might provide greater or lesser
coverage than was previously in effect. Borrower acknowledges that the cost of the insurance
coverage so obtained might significantly exceed the cost of insurance that Borrower could have
obtained Any amounts disbursed by Lender under this Section 5 shall become additional debt of
Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate
from the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to
Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall
name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to
hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to
Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of
insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the
Property, such policy shall include a standard mortgage clause and shall name Lender as
mortgagee and /or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender.
Lender may make proof of loss if not made promptly by Borrower. Unless Lender and
Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying
insurance was required by Lender, shall be applied to restoration or repair of the Property, if
Loan Number: 0050050749
WYOMING- Single Family- -Fannie Mae/FreddI. Mae UNIFORM INSTRUMENT
I.T. 3/00
Initials)
S'45
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Form 3051 3/99 (page 6 of 15 pages)
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alp ureauretu pugs zaMozzog `Muadozd atp lit gurprsaz sr zaMozzog 1011 JO zaipatim •Mi1 dozd atp
uo aasuM 3uumoo JO aamzouaaap of Muadozd aq1 Mope `MUadozd alp ztedtut JO o5rturp `Moz ;sap
aou iiegs zaMozzog •suo►padsuI :M;zado td aq; jo uopoaioad pue aaueua;uielAI ‘uopuAlasaad •L
•Iozauoo s,zamozzog puoMaq aze gorgM six saoue3sumo1ro gupunuaaxa ssaiun zo `piagtprm
Mlgmuosuamn aq aou pegs auasuoo gotgm `gupum lit saazgu as!MZa1po zapua7 ssaptn `Mouudn000
;o amp atp zaaur lea/ aum aseai am 10J aouaptsaz iedpuud s,zaMOZZOH se Mtzadozd gip Mdnoao
oa anupuoo putts pue auautnzasui *moos srtp 3o uopnoaxa alp z43Je sMep Mtxts UIq3TM aouaprsaz
imdtouud s,zamozzog sr Muadozd alp asn pue `gstiquasa `Mdn000 pegs zaMozzog •MouednaaO •9
•anp uaga mu zO zatpagM `auatunz3sai Maunoas sup JO aaoN atp zapun prmdun saunoure
Mud 03 zo M31adozd am az01sa1 JO zredaz oa zatpra spaaoozd aoueznsur aqa asn Must Jopua-j
•Muadozd alp jo ageza/too am GI ajgeorpddm aze saggu eons se zr.Josur `Muadozd olio guuanoo
sod aounznsur Itm zapun (zaMozzog Act prud sumnuazd pauzeaun 3o punjaz Mum o; aggu alp
uetp zatpo) saggu s,zamozzog jo zagao Mum (z) pue `auaumzasui Maunoas stga JO MN aril zapun
predun saunoure am pox 01 mu aunotuu lie tit spaaoozd aoumznsut AIM oa saggu s,zaMouog (j)
zapuaZ oa sugrssm Mgazaq zaMozzog `as1MZamo JO zZ 10990s zapun Muadozd aq3 sazmbom zapua-J
3t zo 'MAO zatpra ui •uanrg sr aouou alp uatjM urgag lit t pouad Sup-p£ aqs turnip alp autos pue
aaepogau Mmtu zapun uaga `tureTo a apaas of paza330 sue zauzeo aoumznsur alp imp zapuaJ Ilion
aofou a o3 stomp 0£ uRpTM puodsaz aou sop zaMozzog 3i •szaaamtu paaeiaz pue turnip aoumznsut
aigeirene Mum aims pue aamuogau `aig Meta zapun I `MUadozd alp suopumgm zaMozzog 3I
•Z uopoas tit zoj paprnozd zapzo alp lit paridde aq pegs spaaoozd aouuznsar lions •zaMozzog
oa prud `Mum Jr `ssaoxa alp IpIM `anp uagl aou zo zatpa!LM `1uatunz1sui Maunoas sup Mq paznoas
sums alp oa pariddm aq prqs spaaoozd aoueznsut alp `pauassal oq mom *moos s,zapua7 10
aigrse Mfmouuouooa aou sr zredaz JO uotaezo1Saz aqa ;I •zaMozzog Jo uouegrigo otos aqa aq iimgs
par spaaoozd aouuznsur alp jo ino pred oq aou hugs zaMozzog Mg paureaaz `sapzud plop zatpo .10
`szaasnfpu oggnd zo3 sood •spaaoozd ions uo sgutuzma JO asazaaur Mum zaMozzog Med oa pazmbaz
oq 3OU Times zapua-j `spaaoozd aoumznsut dons uo prud aq 01 asazaaur =tuba.' Ann aiquoriddl
JO gurar1M lit apmat sr auautaazgm lie ssaptn •paaaidtuoo sr )izom alp sr sauatuied ssazgozd 3o
sauas m ur JO auauiied aiguts m ur uopezoasaz pug szredaz alp zoj spaaoozd aszngsrp Attu zapuaj
•Mpdtuozd ualmuapun oq hugs uoraoadsur lions 1ega paptnozd `uopoejsraus s,zapuol oa palaidutoo
uaaq seq 310M aria a1nsua oa Muadozd lions modal! oa Maumuoddo lie putt seq zapun Iriun
spaaoozd aouuznsur lions pioq oa 1g2rz alp aneti Tugs zapua-i `pouad uorauzoasaz pue zredaz lions
guunG •pauassal aou sr Maunoas s pum aigrseaj Aproru ouooa Si zredaz zo uopezoasaz alp
ORe.,17.3.11q0
Obit ;8' /3 1 479
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with
Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or
statements to Lender (or failed to provide Lender with material information) in connection with
the Loan. Material representations include, but are not limited to, representations concerning
Borrower's occupancy of the Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.
If (1) Borrower fails to perform the covenants and agreements contained in this Security
Instrument, (2) there is a legal proceeding that might significantly affect Lender's interest in the
Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy,
probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over
this Security Instrument or to enforce laws or regulations), or (3) Borrower has abandoned the
Property, then Lender may do and pay for whatever is reasonable or appropriate to protect
Lender's interest in the Property and rights under this Security Instrument, including protecting
and/or assessing the value of the Property, and securing and /or repairing the Property. Lender's
actions can include, but are not limited to, (1) paying any sums secured by a lien which has
priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable
attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument,
including its secured position in a bankruptcy proceeding. Securing the Property includes, but is
not limited to, entering the Property to make repairs, change locks, replace or board up doors
and windows, drain water from pipes, eliminate building or other code violations or dangerous
conditions, and have utilities turned on or off. Although Lender may take action under this
Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is
agreed that Lender incurs no liability for not taking any or all actions authorized under this
Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of
Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate
from the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions
of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall
not merge unless Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making
the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in
effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be
available from the mortgage insurer that previously provided such insurance and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance,
Borrower shall pay the premiums required to obtain coverage substantially equivalent to the
Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to
Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer
selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,
Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain
these payments as a non- refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve
shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and
Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.
Loan Number: 0050050749
WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
Initials)
S5
Form 3051 3/99 (page 8 of 15 pages)
MWY05CY
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letp zamozzog of zapua-i dq aOpou zaJ3e IT JO `zaMOZZOg dq pauopuege si duadozd am 3I
.anp ua p an sums am Jou 10
zamagm JuaunuJsui dlunmas suji fig pampas stuns am of paiidde aq iiegs spaaoozd snoaumaosTTAT
aTiJ 'uullM ui aaae asimzatpo zapuai pue 1amozzog swum `amen ui ssol JO `uopPtulsap
`�upleJ Trpird agJ aiopaq Aiaaetpaunui pampas sums am jo Junomr am ue p ssal st amen
ut ssoi 10 `uoi2onzlsap Tupiel ieiJzed am aiopag diaieupaumq dJZadozd am 3o amen IaArtl zie3
aTiJ TiOigM ut d110d0zd atp JO amen ui ssoi 10 `uoponzlsap `Rupp) ietlzed a Jo Juana a l ui
•zamoz1og of pied aq iiegs aOueieq dud amen ui ssoi zo
`uopotuisap lupiei iepznd am azo ;aq diaaeipatuuI! dlzadozd alp jo amen Iaveuz in alit (q) dq
papinip amen ui ssoi JO `uoponi2sap lui1el ieilzed atp azojag diaaeipaunui pampas stuns am 3o
Junotue !um am (e) :uor oe1j Rutmoilo3 alp dq paiid!Jlntu spaaoozd snoaueiiaosq am Jo lunotue
am dq paonpaz aq imp Iuawtu sui dlunoas sup dq pampas sums am &utluM uI aaJ2r asimzatpo
zapua-I pue zamozzog ssaiun `amen ui ssoi JO `uopotuisap ieilzed am azojaq dialeipauuui
luauznzlsui dlunoas sup dq pamoas stuns am Jo lunoure aml uum zanaz5 JO of ienba s! amen
ui ssol zo `uoponzlsap &uplm puled am azojag dia2eipaunut duadozd am 3o amen Javetu inj
aim goigM ui /Jzadoid alp JO amen UT ssoi 10 `uotlonzlsap `5up1el lep1ed a Jo Juana Olp TIT
•zamozzog of pied `due JI `ssaoxa am glint `anp uaip Jou 10 zatpagm
`luauutulsui dlunoas sup dq pampas sums aim of paiidde aq iiegs spaaoozd snoaueiiaosi j,
atp `dJzadozd atp JO amen ui ssoi 10 `uoTJOtu2Sap `Buim) 1E1O1 a JO Juana am ui
•Z uopoas ui zoj papinozd zopzo atp uT paiidde aq Hugs
spaaoozd snoauellaosm lions •zamozzog of pied `due 3i `ssaoxa atp iJim `anp uatp Jou zo 1 Tp IJm
`JuauunuJsui dlurmas sup dq pampas sums atp of paiiddr, aq iiegs spaaoozd snoaueiiaOStj, am
`pauassai aq pinoM dlunoas s,zapua-j 10 aigisea3 diieoiuiouoma Jou sI ziedaz JO Uotlezolsaz am 3I
•spaaoozd snoaueiiaOS!}Ai lions 110 S U U1ea 10 JSazalut /CUE 1amozzog iced 02 pazinbaz aq Jou iiegs
zapua7 `spaaoozd snoaurllaosITAT lions uo pied aq of Jsazalut sazinbaz mt7 algeOilddy 10 8ui3TIM
TIT aped Si JUamaaae ue ssaiun •palaidtuoD si 3IzoM am se sluauuded ssaaozd 3o sauas a TIT 10
Juamaszngsip aiauis a ui uoTJrzoJsaz pue sziedaz atp zoj iced deui iapua-T •dpduuozd ualelzapun aq
inns uopOadsut Timis Jetp pap `uopo1Js1Jes s,zapua-i OJ palaidtuoO uaaq s1Ti )izom am a1nsua
of IJzadozd ions JOadsui of Aqumzoddo tie p1Ti seg zapuari ipun spaaoozd snoaueiiaOsTN lions
moll of 1115t1 ail an1Ti hells zapuaZ `pouad uopezolsaz pue ziedaz grans 2uuna •pauassai Jou St
dlunmas s,iapua-i pue aigiseaj diieoituouooa si ziedaz JO uoiJezolsaz ail ;i `Xuadozd am 3o ziedaz
zo uoiJezolsaz of paiidde aq Timis spaaoozd snoaueilaOSry%i gnus `pageurep si i2zadozd am ji
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•aloiNN am ITT papinozd a1ez
am Je Jsazalui iced of uoTJR$tigo s,zamomzog s2OaJ3e Oi uoiJoas sup ui ffuitpoNi •me-i aigeoiiddy
dq pazinbaz Si uoTJeuiuua3 Ipun 10 U09eutuua1 Tons 1oj 5utptnozd zapua-i pue JOMOIJOU
uaamlaq Juauzaaae ua3JuM due mph aOUepzoOO1 ui spua aOUemsui a2vglioIAi zo; luautazinbaz
s,zapua-I a p spun `anzasaz ssoi aigepunJaz -uou e apinozd 01 zo `Jma3Ja ut amueznsui affe$1i0JAI
ure3UteUl OJ pazinbaz suuniuIazd am iced 1t11145 10A 0110 `aOUeznsui age2110JAI zoj suumUIazd am
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pzem0J sluauuded paJeu5isap olalezedas sazinbaz zapua7 put `pautrJgo sT `aigeiiene samooaq ult2r
zapua' dq paJOaias zaznsui ue dq papinozd (sazinbaz zapua-i Jetp pouad oip zo; put Junoure
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for damages, Borrower fails to respond to Lender within 30 days after the date the notice is
given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration
or repair of the Property or to the sums secured by this Security Instrument, whether or not
then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds
or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun
that, in Lender's judgment, could result in forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument.
Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in
Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's
judgment, precludes forfeiture of the Property or other material impairment of Lender's interest
in the Property or rights under this Security Instrument. The proceeds of any award or claim for
damages that are attributable to the impairment of Lender's interest in the Property are hereby
assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall
be applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted
by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the
liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to
commence proceedings against any Successor in Interest of Borrower or to refuse to extend time
for payment or otherwise modify amortization of the sums secured by this Security Instrument
by reason of any demand made by the original Borrower or any Successors in Interest of
Borrower. Any forbearance by Lender in exercising any right or remedy including, without
limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest
of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude
the exercise of any right or remedy.
13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower
covenants and agrees that Borrower's obligations and liability shall be joint and several.
However, any Borrower who co -signs this Security Instrument but does not execute the Note (a
"co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the
co- signer's interest in the Property under the terms of this Security Instrument; (b) is not
personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that
Lender and any other Borrower can agree to extend, modify, forbear or make any
accommodations with regard to the terms of this Security Instrument or the Note without the
co- signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender,
shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall
not be released from Borrower's obligations and liability under this Security Instrument unless
Lender agrees to such release in writing. The covenants and agreements of this Security
Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of
Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection
with Borrower's default, for the purpose of protecting Lender's interest in the Property and
rights under this Security Instrument, including, but not limited to, attorneys fees, property
Loan Number: 0050050749
WYOMING-Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
Sods
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ugo'j maU aip Jo ssazppr pur arum am alms i1pm gOTgm a2urgo am jo aopou uafum uan15
aq jjlm zamozzog `zaoTnzaS urorj alp jo aprip u si azatp ;j •ajoN agi jo airs r of pairja1Un
zaoInns uro-j am 3o sa5urgo azoum JO auo aq lOpu osjr azata •mr-I ajgroiiddy pur `ivamnzlsuj
A31zn3as spp 'mom aq3 zapun suotirWljgo gutotnzas uroj a5r5uoux zamo suuojzad pur luaumz3suj
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am sr umounj) Aipua agi ui a2urg3 n u1 ijnsaz igSTur airs y zamouog o3 aoi3ou zoud inolpTm
sauna azout JO auo pjos aq uro (ivatunzisul Aliznoas spp Ippin zaipa$ol) a1oN au; ut isaza3ui
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sE `suuoj 5upktogoj am 3o wow zo auo uT sasuadxa pm sums 3uamainlsujaz lions /Cud zamouog
JET azmbaz Amu zapua-1 •pa$urgoun anupuoo jjrgs `ilauznusuj ,iaTznoas Step Aq pamoas
sums am ,Crd o3 uoprffijgo s,1amouog pug luatutu1sul Aiun3as s1tp zapun sig5iz pur Iivadozd
am ut isaza3ui s,zapual Imp aznsse o3 azmbaz AjgEmosraz Arm iapual sr uor or Ions Sa}jr3
(p) pur `ivaumzisuj A3TZnoas slip zapUn sujWIJ pur AUadozd ag3 uT 3S31 )ut s,zapual Wujralozd jo
asodznd alp zoj paunouj saa3 zap pur `saaj uogenjEn pur uo133adsUT Apadozd `saaj ,sAauiour
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pug uoprzaja33r ou 3i sr ajoN am pug luautnusuj 'CiunoaS spp Iapun anp aq mom tram
goigm sums jjr zapuai sArd (r) :zamozzog imp am suopipuoo asotjj •3uat1nzisuj Aiun3as sTtp
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ut uan1f si a3j3ou am amp atp IUOIJ siCup 0E u1gi Ssai iou Jo poizad E appiozd jimis a311ou
aqy •uol31zaja3311 Jo a313ou zamozzog a/4 pugs zapua-1 `uopdo Sup Sasl3zaxa zapua'l
mui j1Zapa3 iCq paligigozd s1 as13zaxa lions 3i
zapual Cq past3zaxa aq iou grip uoido sigi `zanamog •ivaiun 1STIT 'f3iznoas spp ,Cq pamoas sums
pr Jo jjtij 111 luaut1Cnd am azmbaz Amu zapua' `3uasuoo uauum zoud s,zapua•7 3n0g3Tm
(pauajsunz3 zo pjos st zamozzog uT 3saza3uj j1logauaq r pur uoszad minim E aou sT zamozzog
31 zo) pazzaJsur4 10 pjos s1 SUadozd agi uT 3saza3uj ,Cur JO Attadozd atp JO lznd X111 JO jjE JI
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inq &utpnjoul `Auadozd am 111 35313311 1E101Jauaq JO jeSaj Auu maul „Apad0zd aip 1i 3saza3uj„
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;s78() 483
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: 0050050749
WYOMING-Single Famly Fannie Mao/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
Initials)
Form 3051 3/99 (page 11 of 15 pages)
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;r o; pal ;l ;ua Slle2al suosaad ao uosaad aq; o; ssaaxa Suc (3) pug f;uawna ;sui
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'ales aq; jo sasuadxa lre o; (g) :aapao ;Iu;Molloj aq; ul parldde aq ins alas aq; jo spaaaoad
aqZ
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UI papIAoad aauugw aq; u; aaMoaaog o; arcs aq; jo a3pou aAI;I pugs aapua- •Mw•i alquallddv
q ;pM aauepaoaan uI ;uaaajlp 3; ',f;.cadoad aq; jo uorssassod u; uosaad aq; o; pug aaAtoaaog
o; asopaao3 o; ;ua ;ul jo a3l ;ou an45 Ilggs aapua7 'arcs jo aaAtod aq; saloAU! aapuari 3I
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g 2upq o; ;Op aq; pug uopeaap33c as ;,IB a ;e ;suraa 0; ;Op aq; jo aaMOaaog waoJur aaq;an3 ;legs
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ur ;Insaa Sulu a3pou aq; UI paljpads a ;up aq; aaojaq ao uo ;rnujap aq; amp 0; amine.; ;gq;
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;ou ;nq) ;uawna;sui S ;rannas srq; uI ;uawaaa2c JO ;uuuano3 Suc jo g3gaaq maAtoaaog 2uptorloj
uor;caala3w o; aoud laming o; air ;ou 0Al2 hugs aapuai •saipawag fuopeaala33V •ZZ
sMoitoJ
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H •SINVNHAOO I"RIOdINfl NON
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 ally 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: 0050050749
WYOMING Single Family -Fannie Mu&Freddle Mae UNIFORM INSTRUMENT
I.T. 3/00
Initials)
Initials)
5/5
485
Form 3061 3ro9 (page 13 of 15 pages)
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WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
ATTN:Charlotte Neel- Reinhart
10/N No: 0050050749
1 -4 FAMILY RIDER
(Assignment of Rents)
THIS 1 -4 FAMILY RIDER is made this 29th day of September. 2000
and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of
Trust or Security Deed (the "Security Instrument of the same date given by the undersigned
(the "Borrower to secure Borrower's Note to
First Security Bank. N.A.
(the "Lender of the same date and covering the Property described in the Security Instrument
and located at:
475 JEFFERSON STREET. AFTON. WY 83110
1 -4 FAMILY COVENANTS. In addition to the covenants and agreements made in the
Security Instrument, Borrower and Lender further covenant and agree as follows:
A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTRUMENT. In
addition to the Property described in the Security Instrument, the following items now or
hereafter attached to the Property to the extent they are fixtures are added to the Property
description, and shall also constitute the Property covered by the Security Instrument: building
materials, appliances and goods of every nature whatsoever now or hereafter located in, on, or
used, or intended to be used in connection with the Property, including, but not limited to,
those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air
and light, fire prevention and extinguishing apparatus, security and access control apparatus,
plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators,
dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds,
shades, curtains and curtain rods, attached mirrors, cabinets, paneling and attached floor
coverings, all of which including replacements and additions thereto, shall be deemed to be and
remain a part of the Property covered by the Security Instrument. All of the foregoing together
with the Property described in the Security Instrument (or the leasehold estate if the Security
Instrument is on a leasehold) are referred to in this 1 -4 Family Rider and the Security
Instrument as the "Property."
B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower shall not seek, agree to
make a change in the use of the Property or its zoning classification, unless Lender has agreed
u
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V
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MULTISTATE 1-4 FAMILY RIDER Fannie Mae /Fredd e Mac UN FORM NSTRUMENT
FORM 3170 3/99 I.T. 10/99 (page 1 of 3 pages)
i
7
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56 3
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Lender or Lender's agents or a judicially appointed receiver, shall not be required to enter
upon, take control of or maintain the Property before or after giving notice of default to
Borrower. However, Lender, or Lender's agents or a judicially appointed receiver, may do so
at any time when a default occurs. Any application of Rents shall not cure or waive any
default or invalidate any other right or remedy of Lender. This assignment of Rents of the
Property shall terminate when all the sums secured by the Security Instrument are paid in full.
I. CROSS DEFAULT PROVISION. Borrower's default or breach under any note or
agreement in which Lender has an interest shall be a breach under the Security Instrument and
Lender may invoke any of the remedies permitted by the Security Instrument.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained
in this 1 -4 Family Rider.
LOAN No: 0050050749
2,1 (Seal)
S`T VEN H STALEY Borrower
MULTISTATE 1 -4 FAMILY RIDER Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
FORM 3170 3/99 I.T. 10/99 (page 3 of 3 pages)
489
(Seal)
Borrower
(Seal)
Borrower
(Seal)
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