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+118888
SNOWNId3O
TOTO
08C881.1
576
(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: (I) the repayment of the Loan, and all renewals, extensions and modifications of
the Note; and (11) 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 following described property located in the County of
[Type of Recording Jurisdiction]
Lincoln
[Name of Recording Jurisdiction]
LOT NO. 4 OF THE HAPPY VALLEY ESTATES SUBDIVISION, ACCORDING TO THAT PLAT
RECORDED IN THE OFFICE OF THE COUNTY CLERK, LINCOLN COUNTY, WYOMING.
which currently has the address of 325 Happy Valley Lane
[Street]
Afton Wyoming 83110 "Property Address
[City] [Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by
this Security Instrument. All of the foregoing is referred to In this Security Instrument as the "Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
mortgage, grant and convey the Property and that the Property Is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any
encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited
variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow items, Prepayment Charges, and Late
Charges. Borrower shall pay when due the principal of, and Interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to
Section 3. Payments due under the Note and this Security Instrument shall be made In U.S. currency. However, if any check
or other Instrument received by Lender as payment under the Note or this Security Instrument is retumed to Lender unpaid,
Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or
more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's
check or cashier's check, provided any such check Is drawn upon an institution whose deposits are Insured by a federal
agency, instrumentality, or entity; or (d) Electronic Funds Transfer.
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 retum any
payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. Lender may accept
any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its
rights to refuse such payment 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 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.
WYOMING single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
F16595.LMG (5/00)
28928885
Form 3051 3/99 (page 2 of 8 p es
9999 69
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WYOMING single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
F16595.LM0 (5/00)
28928885
578
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 Toss 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 the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and
restoration period, Lender shall have the right to hold such Insurance proceeds until Lender has had an opportunity to inspect
such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be
undertaken promptly. Lender may disburse proceeds for the repairs and restoration In a single payment or in a series of
progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to
be paid on such Insurance proceeds, Lender shall not be required to pay Borrower any Interest or eamings on such
proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the Insurance
proceeds and shall be the sole obligation of Borrower. If the restoration or repair Is not economically feasible or Lender's
security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether
or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided
for in Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related
matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle
a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either
event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's
rights to any Insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument,
and (b) any other of Borrower's rights (other than the right to any refund of uneamed premiums paid by Borrower) under all
insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may
use the Insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security
Instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence
within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's
principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent
shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall
not destroy, damage or Impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or
not Borrower Is residing In the Property, Borrower shall maintain the Property In order to prevent the Property from
deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or
restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or
damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property,
Borrower shall be responsible for repairing or restoring the Property only 11 Lender has released proceeds for such purposes.
Lender may disburse proceeds for the repairs and restoration In a single payment or in a series of progress payments as the
work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is
not relieved of Borrower's obligation for the completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If It has reasonable cause,
Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior
to such an interior inspection specifying such reasonable cause.
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 wlth 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 conceming
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 (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) 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 (c) 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; (a) paying any sums secured by a Tien which has priority over
this Security Instrument; (b) appearing in court; and (c) 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 tumed 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.
Form 3051 3/99 (page 4 of 8 e
7 (7479-19 5 a 61£ 190E mod
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580
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 thls 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 thls 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 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 mall 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: (a) words of the masculine gender shall mean and include corresponding
neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and
(c) 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.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used In this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial
interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which
is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a
natural person and a beneficial Interest in Borrower Is sold or transferred) without Lender's prior written consent, Lender may
require immediate payment in full of all sums secured by this Security instrument. However, this option shall not be exercised
by Lender if such exercise is prohibited by federal law.
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 given in accordance with Section 15 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.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of.
(a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other
period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing
this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this
Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
agreements; (c) pays all expenses incurred In enforcing this Security Instrument, including, but not limited to, reasonable
attorneys' fees, property inspection and valuation fees, and other fees Incurred for the purpose of protecting Lender's interest
in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to
assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the
sums secured by this Security instrument, shall continue unchanged. Lender may require that Borrower pay such
reinstatement sums and expenses In one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c)
certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution
whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon
reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as 11 no
acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18.
WYOMING single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 3/99 (page of e
F16595.LM0 (5/00)
28928885
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11111 JIM tt'►nNii.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained In this Security
Instrument and in any rider(s) executed by Borrower and recorded with it.
Witnesses:
(Seal)
Borrower Val Dee Swenson
STATE OF WYOMING,
On this 29th day of September 2000 before me, the undersigned, a Notary Public
in and for said State, personally appeared Val Dee Swenson and Ruth P. Swenson
(known to me) (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) are
subscribed to the foregoing instrument and acknowledged that they executed the same.
WITNESS my hand and official seal.
(Reserved for official seal)
U 'SS14
28928885
(Seal)
Borrower Ruth P. Swenson
(Seal)
Borrower
(Seal)
Borrower
[Space Below This Line For Acknowledgment]
Teton County ss:
Signatu
WYOMING single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
F16595.LMG (5/00)
Heather McEntire
Name (typed or printed)
My Commission expires: Feb. 26, 2002
Form 3051 3/99 (page 8 of 8 pages)
582