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AF
OSCS 405
LOAN NO. 061cuo
8. Grounds for Acceleration of Debt.
(a) Default. Lender may require immediate payment in full of all sums secured by this Security Instrument if:
(i) Borrower defaults by failing to pay in full any monthly payment required by this Security Instrument prior
to or on the due date of the next monthly payment, or
(H) Borrower defaults by failing, for a period of thirty days, to perform any other obligations contained in this
Security Instrument.
(b) Sale Without Credit Approval. Lender shall, if permitted by applicable law, require immediate payment in full
of all the sums secured by this Security Instrument if:
(i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or
otherwise transferred (other than by devise or descent) by the Borrower, and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the
purchaser or grantee does so occupy the Property but his or her credit has not been approved in
accordance with the requirements of the Secretary.
(c) Default Interest. If Lender has not received the full monthly payment required by the Security Instrument by
the end of the thirty calendar days after the payment is due, Lender may increase the interest rate as described in
Paragraph 2 of the Note to twelve percent (12 Lender may choose not to exercise this option without waiving its
right in the event of any subsequent default.
(d) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but Lender
does not require such payments, Lender does not waive its rights with respect to subsequent events.
9. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full
because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This right applies even
after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum
all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower
under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly
associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and the
obligations that it secures shall remain in effect as if Lender had not required immediate payment in full. However,
Lender is not required to permit reinstatement if: (i) Lender has accepted reinstatement after the commencement of
foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure
proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) reinstatement will
adversely affect the priority of the lien created by this Security Instrument.
10. Borrower Not Released; Forbearance by Lender Not a Waiver. Extension of the time of 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 successor 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.
11. 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 8.b. 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.
12. 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 Lender's address stated herein or any 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.
13. Governing Law; Severability. This Security Instrument shall be governed by Federal law and the law of the
jurisdiction in which the Property is located. In thwevent 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. To this end the provisions of this Security Instrument and
the Note are declared to be severable.
14. Borrower's Copy. Borrower shall be given one conformed copy of this Security Instrument.
15. Assignment of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and revenues of
the Property. Borrower authorizes Lender or Lender's agents to collect the rents and revenues and hereby directs each
tenant of the Property to pay the rents to Lender or Lender's agents. However, prior to Lender's notice to Borrower of
Borrower's breach of any covenant or agreement in the Security Instrument, Borrower shall collect and receive all rents
and revenues of the Property as trustee for the benefit of Lender and Borrower. This assignment of rents constitutes an
absolute assignment and not an assignment for additional security only.
If Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as trustee
for benefit of Lender only, to be applied to the sums secured by the Security Instrument; (b) Lender shall be entitled to
collect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rents due and
unpaid to Lender or Lender's agent on Lender's written demand to the tenant.
Borrower has not executed any prior assignment of the rents and has not and will not perform any act that would
prevent Lender from exercising its rights under this Paragraph 15.
Lender shall not be required to enter upon, take control of or maintain the Property before or after giving notice of
breach to Borrower. However, Lender or a judicially appointed receiver may do so at any time there is a breach. 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 the debt secured by the Security Instrument is paid in full.
The Lender or a judicially appointed receiver shall not be required to post any bond or other security to enter upon,
take control of or maintain the property.
WCDA DOWN PAYMENT LOAN MORTGAGE
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ALTA COMMITMENT 1982 WY
06b8405
SCHEDULE C
The land referred to in this commitment is situated in the State of Wyoming, County of Lincoln, and is
described as follows:
That part of the NEUNE',, of Section 36, T32N R119W, within the
Incorporated Limits of the Town of Afton, Lincoln County, Wyoming, being
part of those tracts of record in the Office of the Clerk of Lincoln
County in Book 210PR on page 205 and in Book 411PR on page 125 described
as follows:
COMMENCING at a point on the West right -of -way line of U.S. Highway 89
identical with an intersection with the South line of Nield Avenue,
S 77°18'36" W, 159.77 feet from the Northeast corner of said Section 36,
found as described in the Corner Record filed in said office;
thence S 89 °13'18" W, 185.64 feet, along said South line to the
SPIKE OF BEGINNING, on the centerline of that access easement
of record in said Office in Book 278PR on page 82;
thence S 01 °38'24" W, 120.18 feet, along said centerline, to a
spike;
thence S 89 °15'29" W, 121.41 feet, along an existing fence line, in
part, to a point at a fence corner;
thence N 00 °28'09" E, 120.05 feet, along an existing fence line, in
part, to a point on said South line;
thence N 89 °13'59" E, 123.87 feet, along said South line, to the
SPIKE OF BEGINNING.
214
Commitment No.: FA 7132 OM