HomeMy WebLinkAbout868821Return To:
GreenPoint Mortgage Funding, Inc.
1100 Larkspur Landing Circle, Suite 101
Larkspur, California 94939
Prepared By:
GreenPoint Mortgage Funding, Inc.
4550 SW Kruse Way, Suite 255
Lake Oswego, Oregon 97035
DEFINITIONS
(A) "Security Instrument" means this document, which is dated 09/29/2000
together with all Riders to this document.
(8) "Borrower" is
Nancy J. Hokanson, A Married Woman
6A(WY)(9905).01
Page 1 of 15
m�nals: A3 1
VMP MORTGAGE FORMS (800)521-7291
ttt tt RECEIVED
868821 CC OCT -6 r
!Space Above This Line For Recording Data!
BOOK 4J-aPR PAGE 5 9 4
MORTGAGE
MIN 100013801016389714
KE MM ERE WYOMING
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.
Borrower is the mortgagor under this Security Instrument.
(C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee
under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an
address and telephone of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS.
BEAT -05 0101638971
WYOMING Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3051 3/99
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(Q) "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 (ii) 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 MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors
and assigns of MERS, with power of sale, the following described property located
in the County of Lincoln
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
Lot 7 of the Corsi Ranchettes Subdivision, Lincoln County, Wyoming as
described on the offical plat thereof.
Parcel ID Number: 12 3619 22 030.00 which currently has the address of
197 C S Lane [Street]
Alpine [City] Wyoming 83128 [Zip Code]
"Property Address
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 understands and agrees that MERS holds only legal title
to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or
custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any
or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to
take any action required of Lender including, but not limited to, releasing and canceling this Security
Instrument.
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.
BBAT -05
6A(WY) (9905).01 Page 3 of 15
0101638971
Form 3051 3199
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due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires,
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement"
is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (1) sufficient to permit Lender to
apply the Funds at the time specified under RESPA and (2) not to exceed the maximum amount a lender
can require under RESPA. Lender shall 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 an institution whose deposits are so insured) or in
any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall 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. Unless an agreement is made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower
any interest or earnings on the Funds. Borrower and Lender can 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 as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in, escrow,
as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than
twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA,
Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount
necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly
payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To
the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
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, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against enforcement of the lien in, legal 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
BBAT -05
5A(WY) (9905)
Page 5 of 15
Initials:
0101638971
Form 3051 3199
86f£ 640E uuoj
TL68£9T010 50 —SYSt3
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jEMOUaa pug satotlod ag1 plo4 o; 342!1 alp angq pEgs aapua7 •ao/ d ssoi iguotltppg ug sg .to /pug aagalaow
sg aapua-i awgu pugs puE `asnrio aRe ?1.1001 pampugps u apnlout llggs `sa!Otlod qons anoaddustp 0; 1113t1
s,aapua-i 01 loafgns aq iiggs satoiiod gons 3o sigMauaa pug aapual ,C paltnbai saiogod aouglnsut iiy
•1uaw,Cgd tut ;sanbal aaMOUog 01 Japuai
woa3 aOrlou uodn `Isaga;ui qons wink `aiquCud aq Hugs pug 1Uawasangstp Jo amp aq; wo1j a1u1 a10N aq1 pg
450104U1 Iraq iiugs ssunoulw asaq •luawnllsui ,C1tlnoas stgl ,Cq palnoas 1aMo11og jo ;gap iguoiltppg awooaq
liggs S uotloas sig1lapun aapua7 ,Cq pasangstp slunowg ,Cud •pauiE;go angg pinoo aaMoaaog 141 aouglnsut
jo lsoo aq1 paaoxa ,ClluuogiUVts ;gAw pauimgo os aggaanoo aOUglnsur 04130 ;soo ag1 ;Eg1 sapalmoU)1OE
aaMOaaog loajj0 ut ,Clsnotnald SEM egg; 02ga0n00 aassaj 10 as ;4012 aptnold 1qAut puE p.Eztq
`)lsia ,Cug 4SUU3 g a41 3o s;Ua;UOO ag1 ao `,Cpaad0ad aq; Li! Apinba s,1aMolaog `aaMOaaog 1Oalo1d 10U
1112tut ao 1qAw rig `lapel 10n0O iiggs affrianoo Lions `aaojalaq,b •agaan00 30 lunowg ao adAL minopied
,CUU asugoand o; uoipg$ilgo ou lapun st aapua-i •asuadxa s,1aMO11og pug notldo s,aapua] 1E `02glanoo
aougansui umgo ,CEw lapun `anogg paquosap sa wan0o ag13o ,Cur uiglu!Ew o; situ3 aaMOaaog 3j
•1aMOUOg ,Cq not ;oafgo Ug woaj uotluutwaalap auoz poog ,CUE jo Matnaa
ag1 41!M UOipOaUUOO ut ,Couo y 1110ut02EUEjAi ,Couaamwg igaapaA 041 ,Cq pasodwt sao3 Xug 3o 1Uaw,CEd
aq1 ao3 aigisuodsaa aq osig iiggs 1aMOalog •uot4EOgplaO a0 uougutwaalap Lions 1oa33E 1LiAu1 ,cigguosgaa
gOttM 10000 sauggo agliwts ao aurddgwai mug yoga saSJEgo luanbasgns pug saotnaas uorpgogtplao puu
U0►1gutwaa ;ap auoz pool) ao3 a2aggo awtl -auo g (q) a0 `.saotnaas Wut)ioga; per uo►lgogtlaao `uotlgutuua;ap
auoz poog. 103 amp awtl -auo E (g) :lama `ug°ri siLil !pink Uotloauuoo ut `,Cgd o1 .taMOaaog airnbaa
,Cuut aapul •,Cigguoseaaun pastoaaxa aq Lou pEgs go►4M `001040 s,aaMOa10g anolddgstp o; ;qua
s,aapuari op loargns aaMoUog ,Cq uasogo aq liggs aougansu! 0141 2Utptn0ld aataago aougansui ag,b •Ugog agl
3o Waal alp SUtanp 020E40 LIED SOOU04UOS OUtpaoald ow 01 ;Ugnsand sannbaa aapua•j ;guM •salmbal aapuaq
LET spouad aqp ao3 pug (siana! algtlonpap 2utpniout) s ;unowg 0141 Ut pautg ;uiEW aq Hugs aouglnsut stg,i,
•aouElnsur saainbal aapua'I gOtgM ao3 `spoog pug savnbgpma `01 paltwtl Lou 1nq Tutpnioui splgzgq 10410
JUL C puu „'aglan0o papualxa„ waa; alp utgliM papniout spurt{ `a1g Xq ssol 1sumSe palnsut ,Cpaadoad 0Li;
uo pap= lagga1aq ao SUtlstxa Mou s4Uawanoldwr aqp dam jiggs 1aMOalog •aOUgansui £;aadoad •S
•ugo'i sigl umm u0!IOauuoO ut lapuaq XL' pasn aopnaas $upiodai
1O/pug notlgogtaan xg; a ;g;sa igai g lO3 Amp awtl -auo g Awl op aaM011og aambaa Amu aapua-i
•1 uoipOas styl Ut anogg 41103 ;as suot;og 041 01001
.10 auo mg1 Uati ag1 k3si ;gs ilggs aaMO.uog `uaniS sr 009011 pggp got4M uo amp 04130 sRgp pi LMMMAM Uail
Ea u j
01V.81811111I
9110 9 °bed 1019066) (AAA)Vg-W1
IMP
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 unearned 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 if 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 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
(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 lien
which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable
BBAT -05
elD-6A(WY) (9905).01
Qi
Page 7 of 15
Initials:
600
0101638971
Form 3051 3199
661E 190E WJoj
TL68£9TOTO
109
—i siamui
51. Jo 9 aBed 10 (9066) (AM)v9-
9O-LYE
luawna;sui !anoaS sup Aq pains scans ag; o; patidde aq )legs spaaooad snoaueHaos1JAJ aq; `pauassa] aq
mom IClunoas s,aapua-1 ao algtsea3 XHeotwouooa loU s! atedaa ao not wolsat awn spaaooad snoaueljaostJAI
gons uo awuaea .to 2saaa2u! Aug aamoaaog Aed o; paambaa aq loll !legs aapual `spaaooad snoau1JJaosIJ^J
gons uo pted aq o; lsaaalu! saamba.t nne-I opgeo►lddy ao gut)LM u! apew s! luatuaat20 ue ssalun •palaldwoo
s! *tom atn se sluawAed ssai oad 3o salaas a ut ao luawastngslp oiStgs a ut uol ;eto2saa puE Ruda'
atp ao3 Am! XOw aapuai •,Cj2dwoad uavi.tapun aq Hugs uol2oadsu! gons ;eq; pap!noad `uogoujstl0s s,aapuarj
o; palaidwoo wag suq *tom a14; aansua o; Alaadoad gons loadsu! o ;'l!un1aoddo up peg seq aapua-J !gun
spaaooad snoauOJiaos!JAI gons Nog o; lqpa aql awl{ !Jugs aapua•J `poiaad uol ;0aolsaa pue a!edaa gons Suuanu
•pauassa! 2ou s! ,2unoas s,aapua1 pup alq!sua3 Alluotwouooa s! aledaa ao uol ;paolsaa aw A! `Alaadoad aLi;
jo aledaa ao uogeaolsaa o; middy aq Hms spaaooad snoauejposllAi gons `paSEwep s! 41 doad a141 3I
•aapuai o; pled aq bugs pup o; pauS!sse
,Cgaaaq aae spaaooad snoaue1Jaos!JN !J`d •aan ;lajaog spaaooad snoaueliaasyAJ Jo ;uawalssy •IJ
•alofq a14l ut papinoad 010.1 aq; le lsaaa2ut .Cud o; not aggo s,aaMoUog sloa33p 01 uoioas
sup u! Sul142oJ.I •nnen aigeotlddd Xq pannbaa sl uoll0uttuaa2 !gun .to no!wwt aal gons ao3 Sup /told aapua'
pup aaMoaaog uaamlaq 1Uawaaae ua2lum Aug wim aouepa0000 uu spua aoueansul affeSJaoJAJ ao3 luawagnbaa
s,aapuaI !!lun `anaasaa ssol algepunjaa -uou g ap!noad o; 10 1001j0 ul aoueansul aMlaoj, ulw ;utew
o; pannbaa swnlwaad aq; ,Cud JJegs aaMoatog `aoueansul aeSlaoJAI aoj swntwa.td aq; p.m of sluawthed
pamta!sap ,Cla2eaedas 031ew o; paambaa SUM aaMoaaog pup ueorl 042 2uD10W 3o uowpuoo E se aoueansuI
aeSPo1AI paunbaa aapua-J jJ •aoueansu1 aSapoysI aoj swnlwaad aq; paennol sluawApd pa2uta!sap Xla ;uwdas
saatnbaa aapuari pup `pou! qo sl `algeirene sawooaq wag aapua-J Aq patoaias aaansut ue Aq paptnoad
(saalnbaa aapual luLi2 polaad ow aoj pue lunowE ow u!) aeaanoo aou0ansal aaPoynJ 3! swatuAud anaasaa
ssoJ aambaa _taut)! ou uuo •anaasaa ssoJ gons uo autwpa .to lsaaa ;u! Am aaMoaaog Apd o; pagnbaa
aq ;ou JJegs aapua7 pug `t)n3 u! pled ,CJalewllln s! ueo-J aql imp ;ouj aq; Sulpue ;sgliMlou `algepunjaa -uou
aq !legs anaasaa ssoJ gons •aoueansul a2ay10 A 3o Halt u! anaasaa ssoJ aignpunJaa -uou p s0 s;uawXod
asap uielaa pup asn `ldaooe !pm aapual •loajja u! aq o2 paseao aetanoo aoueansw atu ua4M anp atom
10141 s2uawAed pa ;nAsap Ala2eaedas aq1 jo 1unoure aq2 aapual o; AOd o; anultuoo !legs aaMoaaog `alge!lene
2ou s! aR0aanoo aou0ansul aMJaolA1 luajentnba XJioquulsgns 31 •aapua-1 Aq paloalas aaansuu aSa2aow
010uaalle ue woad `200jj0 u! Alsno!naad aoueansui a avow 0141 3o aaMoaaog o; 2soo aq1 o; 1uajen!nba
Xllel ;uelsgns Ism ale `2oa3Ja u! i(lsnolnaad aoueansul aS0SlaojAl 0141 o; ;ualun!nba ,CHeque ;sins aeaanoo
ule2go o; paambaa swntwaad aq1 iced Hells aaMoaaog `aoueansul a tOp0JA .toj swnlutaad aq2 paeMo2
sluatuked pa2eua!sap /(Ia2eaedas a)Juut o; pagnbaa gem aaMoaaog pue aouginsut gons paptnoad i Isno!naad
20142 aaansu! aMlaow 042 woa3 algel►ene aq o; sas0ao aapua7 .(q paalnbaa aEaanoo aouuansuj aae2pow aq;
`uoseaa /CUE aoJ `j! •2oajja u! aoueansuj a5u2laow alp ule;uleut 01 paatnbaa swntwaad 0142 ked Hugs aaMoaaog
`uO0' 042 2UDJew 3o uol2lpuoo a s0 aoupansuJ a2021.tow paa!nbaa aapua-J 31 •aoueansuj a nJpOj&j •OJ
2u!I m u! 10%0W aq; of saaa& aapua-i
ssalun &aaw loll Hegs ajll; aa3 0141 pug plogaseal ow `,C2.tadoad o p o; allll aaj saamboe aamatiog 3l .area!
0112 Jo suolslnoad aq2 jJe gun. ,CJdwoo JJegs aamoaaog 'motional a uo s! ;uawna1suI 1<2!anoaS s!ql 3I
luau/cud
2wtsanbaa aaMOaaog o; aapuarl wo.g aogou uodn `Isaaaiu! Lions 421M `algvAud aq Hugs pup ;uawasangslp
3o alep a142 woad 0201 0 1 0 1 a4l le 2saaalu! nag Hugs slunoute asaql •1uawnalsuI Xttanoas slq; paanoas
10Moaaog jo ;qap luuol2lppu awooaq Hugs 6 uogoas suit aapun Aq pasangslp s ;uno =E Cud
.6 uo!1oas sun aapun paz[aoglne sUO[IoO
He ao Aug Sul )I0; mu aoJ Allltge!! ou sanou! aapua9 2014; paaa 0 s! lJ .os op 02 uolleSggo .to Amp Cue aapun
2ou Si pug os op 02 an04 loll saop aapual `6 uo!Ioas sup aapun uo! ;o0 0102 Amu aapual g2no14lld 3Jo ao uo
pauan2 sagtllln aneq pup `suollupuoo snoaaSupp ao suollelol■ apoo aaglo 10 Sulplmq a ;eulutlla `sadtd woad
aal0M U `smopu!M pup sloop do paeoq .to aoeldaa `moo! amp `sa!0daa qow of Al.tadoad aq2 $Utaa
`01 pa;!wll ;ou s! ;nq `sapnpu! Altadoad 014; Ulanoas •Sulpaaooad ,Coidnapluoq 0 u! not ;!sod paanoas sl!
utpnIou! `luauma ;suJ i2lanoas s!Li2 aapun s24 !a ao /pu0 Apadoad 0143 u! Isaaatu! Si! ;oaload o; SaaJ ,siCauaofe
602
whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be
applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous
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.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is equal to or
greater than the amount of the sums secured by this Security Instrument immediately before the partial
taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums
secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds
multiplied by the following fraction: (a) the total amount of the sums secured immediately before the
partial taking, destruction, or loss in value divided by (b) the fair market value of the Property
immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless
Borrower and Lender otherwise agree in writing, the Miscellaneous 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
Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages,
Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized
to collect and apply the 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
BBAT -05
0101638971
Initials: J'
6A(WY) (9905).01 Page 9 of 15 Form 3051 3/99
r
661E 1.90E wand Olio o► abed ►o (9056) (AM)119
1 V!
tL68£9TOtO
algnogddy 14►M slog}uoo NOR ay; .10 4uawn14sul 4!anoaS 5!14 Jo asnnlo ao uo!s►nold ,Cue 1131; Juana 114
ul •Ionaluoo Xq Iuawaaa u ;suln2n uowg1goad se panalsuoo aq Iou !Rs °mualls lions Inq 'Imps aq 4g2lw
.10 Ioeamuo° Xq aaiSu o; sagand ai4 Mope ,Cl4totldw! .to ,Clitotldxa 112au MnI alg13oiddy Mn'l alquotlddy
3o suollnlrwrl pun s4uawaambal ,Cue of ;oafgns aae ;Uawna4sul *moos sl11 u! pauln4uoo suol4e2rlgo
pun 5141St lily •paleool s! Xuadoad all gomm u! Uouo!psranf alp 3o Me! all pun Mg! Inaapa3 ,Cq pauaano2
aq imp luawtulsul ,illanoas sigi, •uogana;suoj jo salnj :,falllgeaanas :Mu'I 2uluaanoJ •9l
•1uauanaasul
Xl!Jnoas slg1 aapun 4uawat!nbaa Sulpuodsauoo aq1 ,C3sllns !pm 4uawaatnbaa Mn algnogddy all `MW
algnoiddy aapun palmbal osl13 s! luau►nalsul ,Clunoas sup Xq paalnbaa aotlou ,Cun 31 •aapua-1 Xq panlaoal
Xllnnion !!Ian aapua-1 of uan!S uaaq am! 01 pawaap aq loU !lugs 4uawnalsul ,Cltanoas slg4 11oM uol4oauuoo
u► ao►4ou ,Cuy •aaMoaaog 04 aoiou ,(q ssaappn aal;ou13 pa413u2!sap sn1 aapuoi ssalun u!aaaq palms
ssaappn s,aapua•7 0l llnw ssel0 log Xq l! Summit Cq ao 1! Suuanllap Cq uanp aq hugs aapuarl 04 ao!Iou
,Cali •aw!4 auo /Cue 4t 1uawna4sul 4un0as sun aapun ssaappn aopou palnuSlsap auo /quo aq ,Cnw aaa1,H
•aanpaooad pagloads 4131; 1Snoa ssaappn jo aSunyo a uodai /quo Hugs 1aMOa1og u0 `ssaappn Jo a2unlo
s,lamauog SUi4aodaa aoJ aanpaooad a sagloads aapua7 JI •ssaappn Jo a2ue10 s,aaMOaa0g Jo aapuarl Xjilou
,Clldwoad Heys aaMOaaog •aapual of 0O!400 ,(q ssaappn a0!Iou alnlilsgns n palnuSlsap set aaMOaaog ssalun
ssaappy ,Claadoad all aq p131s ssaappn a011ou 04J •as!Maa14o saambaa ,Clssaadxa Mn-1 alquzilddy ssalun
saaMOaaog Hu 04 aOl40U a4nll4suoo !tugs 10MOa10g auo ,Can 04 ao!l0rl •su13aw .10410 Xq 4UOS 3! ssaappn a0!1ou
s,aaMOaaog 04 palanrlap ,CH13n4oe ua1M ao Hew sselo lug Xq mum uagM aaMOaaog of uanl2 uaaq annq
o; pawaap aq !lugs IUawnaISU1 /C4l1n0as s14114!M uol4Oau000 u► aaMOaaog 0; ao►1ou ,Cuy •SullraM ur aq 4snw
Iuawnalsul ,(1pnoas slg4 11!M u0lloauu00 u! aapual a0 aaM0aa0g Xq Uant2 sa0!30U lily •sa0!;oM •S1
•aSangOaano lions Jo
1no Sutstae annq 112lw aaMOaaog uogo13 Jo 112!1 ,(u13 Jo aan►uM a a4nIl4suo0 lluM 10MOalog 04 4uaw,Cnd ;oaatp
Xq apew puma! gOns ,Cue Jo aOu134dao0e s,aaMOaaog •(aloN all aapun 10J papinold s! amp muaw,Cedald
e 4ou a0 aaglagM) amp Iuaw,Cedaad Aug lnoglrM Iuaw,Cedald mum' a se paleall aq II!M uo!Onpaa
0141 `113d!oupd saonpaa punJaa n 31 •1aMOa10g 01 luau►,Ced Ioaalp a 2ul)lew Cq 10 mom 0141 aapun paMo
led!ouud 0141 2u!Onpaa ,(q punjat 2!41 a)lnw oI 0S0010 ,(nut aapua-1 •aaMOaaog o4 papunJa1 aq H!M sllw!!
paplwaad papaaoxa gol1M 1aMO.uog woa3 pa;oalloo ,Cp13a1113 suns ,(un (q) pun :mu!! paf!waad all 01 amp
0141 a0npal of ,(.113ssa0au moult all ,tq pampa' aq 111315 amp u13ol lops ,Cue (13) :ua1; 'sum!! pal4twaad
all paaoxa U13o'1 0141 gl!M u0l40auuoo w paloallo0 aq 04 10 pampa 51211310 two! 101.110 10 450104u! 0141 11311
os palaldaalu! Xll13ug s! MnI Intl pue `51211310 uno! =wpm! 5415 gol1M mu! e 01 loafgns s! u13o7 a1IAI
Mn-1 alquollddy Xq 10 IaawnIISUl ,Ghanian 5113 po1 gmgoad ,(Issaidxa 0113 41311 500J
0211310 loll ,Cum aapua-1 •aa3 Ions Jo SUiSaegO all uo uotltgtgoad a se panalsuoo aq 4ou Hugs 10MOalog o1 aa3
Ot3toods a amp 0l Iuawnalsul sCllanoag sup u! XIt1o11n13 ssaadxa 3o aouasgn 0141 `S00j 10110 ,Can o1 maw u1
•saaJ uol113nlnn pun uol4oadsut Xpadoad `saaj ,s,Cauio44e `01 mum! um mg `2urpn1OU! luawnalsul ,Cplanoas
sup aapun s11Sla pun ,C4aadoad 0141 ut 4sa1040! s,aapuanl 2ul4oaload Jo asodind 041 alai `4jnnjap s,aaMOaaog
14!M uolloauuoO u! pawlojaad sa0tn1as aoJ saaJ a0MOaa0g oat ,C13u► aapua-I •sa2ang3 ueo7 *pi
•lapua'l Jo su2!ssu pu13 saossa00ns 0141 Igauaq pue (0Z uogoas
u! pap►nwad sn ldaoxa) pulq Hugs 4uawnalsul 4anOOs s!11 Jo sluawaaa213 pU13 s;U13UanoO all •2u!1!IM
uu amp.' lions 01 saw aapua-I ssalun. Iuawnalsul ,(Manias 5144 aapun i(1g1!gell pun suol4n2llgo s,aaMOaaog
wag pampa aq loll Hugs aaMOaaog •Iuawnalsul /!!.moan s11p aapun s1gauaq pu13 511511 s,aaM0aa0g Jo Hu
ut13lgo !lugs `aapual Xq panoaddn s! pun `Sul1!JM u► Iuawnalsul ,C1lafOas s!p1 aapun suogallgo s,1aMoaa0g
sawnsse o1M aaM0aaog Jo Isa101u1 u! lossaoons XU1 `g I u0l40as Jo suo!slnoad 0141 0l loafgns
•Iuasu00 s,aau2ts -o0
0141 1no11!M 110 4 aq1 10 Iuawnalsul ,Cllanoas sup Jo natal 114 01 p113Saa 11!M suollnpoww0o013 ,Can a)lnut
.to a13agao3 `,(j!pow 'puma 01 aa=Su u130 1aMOaaog 10110 ,(un pun aapua-I 41311 mat (o) pun :lUawnl1sul
,CIlanoas 5!11 Xq paanoas sums all ,cud 01 pa4132llgo ,ll13uosaad 400 s! (q) `luawni sul Xl unoas st11 Jo sw1a4
041 aapun ,Cjaadoad 0141 U! ;swam! s,a0U2ls -o0 alp ,Canu00 pun 1u13a2 `a21324Jow 01 /quo luawn11su1 ,Clllnoas
C09
owiS47. 60 4
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
Applicable 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 if no acceleration had occurred. However, this right to reinstate shall not
apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a change in the entity (known as the "Loan Servicer that collects
Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan
servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be
one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan
Servicer, Borrower will be given written notice of the change which will state the name and address of the
new Loan Servicer, the address to which payments should be made and any other information RESPA
BBAT -05
6A(WY) (9905).01
nc
Page 11 of 15
`4 0101638971
Initials: .J
Form 3051 3199
661E I.SOE mod
TL68£9T0T0
f1Fl) :slum
St JO ZL Geed
to (loss) (AM)v9-w
9 0— MME
•dnugatj ig1ua1woa!nug uu ao3 aapua-i
uo uotl12Siigo ,Cue anon Hugs uwaaaq suppo m12Z i124uawu0i!Aug g3rm 0ougp1000g ui suogou p!pawal
,t.r1ssooau Hg al123 ,Cildwoad hugs aamoaaog `,C.rsssaoau s! ,Cpad0ld alp Sugo0jjg aou124sgns snopaez12H ,Cuu jo
uogu!p0waa laquo ao iunowaa !Cue legl `,Cped a412n!ad Aug 10 `Xlraoglnu ,C1o312tn$01 ao pwawuaano5 ,Cum ,Cq
pagilou s! ao tuna! aamoaaog 3i •,Cpadoad 0143 jo 03!133 ow many ,Ciasaanp12 gown 03uu4sgns snopauzu1
jo aseaiaa JO asn `aouasaad alp ,Cq pasngo uompuoo ,Cu12 (o) pug `aouelsgns snopauzuH ,tug Jo asuaiaa
30 pang .10 map.' `aRa1214os!p `2uPi12ai `2u!Htds ,Cum `04 pa1iw!! 4012 lnq 2uipnpu! `uoilipuoD i121uawu0 !Aug
,Cue (q) `apaimoul lun4o12 sug aamoaaog gotgm jo mini igluawuw!Aug a0 aouelsgns snopluz12H
,Cue puu ,Cpadold aqi 2u!nionu! ,Cped alunrad ao ,Cou0& iofein2aa so ig4uawuaan02 ,Cue ,(q uotlpg 00440 10
l!nsmul `pugtuap `wpio `uot113 !4sanu! ,(1112 (g) 3o 00!4012 u044tam a0pu0l ant2 Xgdwold iiggs aamoaaog
•(s3onpoad aawnsuoo u! saouelsgns snopaezuq `o1 paltu 4012 leg `2u!pnpur) ,Cpadoad ag1go aoueualwew
01 pug sasn leiluaplsal iuuuou o1 aluiadoaddg aq o1 paziuSooaa ,CiteaauoS aa12 14141 sanuglsgns snopasz1H
jo satltlugnb gyms jo ,Cpadoad 0143 uo 02121o4s 10 `asn `aouasaad a143 o4 ,ciddg 4012 hugs saoualuas oml
2uipaoaad 0141 •,Cpadoad ago 3o anion 0144 sloaJJ12 ,Ciasaanpg 41244 uoilrpuon 12 8041201) `aouglsgns snop112z12H
jo amp.' 10 `asn `aouasaad 04104 alp `goigm (o)10 `uoilipuop plu0uruol►nug u12 sa4gaa3 gown, (q) `mu-i
ie4uaWUolinug /(121230 uolfgio!A ui s! 41244 (12) ,Cpadoad 0144 ;iw33ajjg 2uig4,Cug `op 04 asp 0120,(1213 moue aou
`op 4012 Hugs aamoaaog •,Claadoad 0144 u! a0 uo `sanug3sgns snopa12z12H ,iu12 as12aiaa 03 11011201 ao `saou1lsgns
snopaezgH ,Cuu Jo amp! ao `agelols `i12sodstp `asn `aouasaad alp ltwaad .10 083123 40U iiegs aamoaaog
•dnugaiD
tu1uawu01!Aug 1212 1052!14 as!maaglo 10 `03 aingialuoo `asnuo 12123 112141 uoi1ipuon 12 suuaur „uompuoD
I123uawu0atnug„ U12 (p) pug !Awl lgluawuoalnug 11t paugap Su `uot4n12 i12AOwal a0 `1.109.012 p!pawaa `11or3312
asuodsaa Xu12 sapnioui „dump iuluawuoainug„ (o) `.uogoaload i12luawuoainua 10 ,Clap12s 'wag 01 al1l0a
41344 pa312001 s! ,Cl.radoad 0141 aaagm u0g3!ps!inf agl jo smut pug my! iea0p0m sag= mg'l igluawuoa1nug„ (q)
`si12r1al12w an►3n1o!p121 puu `ap,Cgapigwaoj .10 solsags12 2uruig4u03 si12!1a112w `sluani0s airlgion `sappigaaq pug
sappilsad nix01 `spnpoad wnaiol4ad 0!x01 a0 0iggww12g 101440 `01108010)1 `0111i0sa :saou12lsgns 2u!mofloj
mg puu (eluawuol!Aug Xq salsum ao `s4u123ntpd `saou123sgns snopalz12g .to 0!x03 812 paugap sanu1218gns
asogl 01g „saoue3sgns snopauzEH„ (g) :1z uotloas ut pasn sy •saoug3sgns snopagz1H It
'OZ uot1nas sigljo suoisinoad uo►1ou
ani1301103 0)1121 0l /3runpoddo puu anl4ou 0141 /jsi3es of pawoop aq !tugs g 1 uoi3oas of 3u12nsand aamoaaog
of u0n!2 uoileaai0n3e 30 0oi4ou ay pug ZZ uoi3o0s o4 3uensand aamoaaog o4 uan!B 0ano 01 ,3iunpoddo
puu uoi412aai0oog 3o aogou 0141 •gdgAl2112d stg1 Jo sasodand ioj 0ig12uos12aa aq o4 pawaap aq Him polaad
awl! 413141 `ua)i124 aq 11123 uo!13e ui12pao =gag asd12ia 4snw goigm pound 0u g sapinoad me-i alquogddy
3l •uoj4012 03!4301103 0)4123 o3 a3130U gnus 30 2u!A!2 x141 00{!12 poia0d 0ig12uosgaa u 040104 Xl.md 10440
0144 papao33g pug gn12alq p0 olig 14nns Jo (s i uogoa8 Jo sluauta.nnbaa ago 141im aouggdwoo ui imp 03!10U
gnus glim) Ap12d aap30 0144 pag!lou 8124 aapua7 ao 10M011og gins !gun luawnJIsui ,(4103308 TIT `JO 11081301
,Cq pamo ,Culp Xuu 10 `Jo uorsinoad ,Cue pag312a1q sm.! ,cpud 101430 ago 312143 saaiie 412144 a0 1u0wn13sui k1lannas
s!H1 04 luunslnd suogo12 s,,Cpgd Oaglo 0141 wag 8084112 4n81 (ss12p 12 jo Oagwaut 0141 ao wag!! 112npinipu!
ug 1ag1i0 se) uoil3g ielnipnf ,(1212 01 pauiof aq JO `urof `03110u1w03 ,C12w aapua-1 aou aamoaaog 10141!0],!
•1aseg3and 010!4 x144 ,cq papinoad asimaagTo ssaiun aasegoand 04om 0144 ,Cq pawnsse
aou am pug 10o!mas ugo'i lossanons a 03 pauojsuu11 aq 101aownlas 12120l aq1 143!M w12waa 11!m aamoaaog of
suoj4aiigo 2ul3in1as ueoi 02v24.10W 0144 `aloes 0141 J0 1asugoand x143 mg 10410 1anrnaas 121201 12 ,Cq pao!naas
si 12120-4 all 10}4010143 puu !Nos s! 010!.4 0143 Ji •2U!0!A1as 3o aOJsugal 3o 0313012 12 141!m uoi3oauuoo 11t saatnbaa
maiiO3
NON- UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to
acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a)
the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date
the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the
default on or before the date specified in the notice may result in acceleration of the sums secured by
this Security Instrument and sale of the Property. The notice shall further inform Borrower of the
right to reinstate after acceleration and the right to bring a court action to assert the non- existence of
a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or
before the date specified in the notice, Lender at its option may require immediate payment in full of
all sums secured by this Security Instrument without further demand and may invoke the power of
sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all
expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to,
reasonable attorneys' fees and costs of title evidence.
If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower
and to the person in possession of the Property, if different, in accordance with Applicable Law.
Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall
publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable
Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be
applied in the following order: (a) to all expenses of the sale, including, but not limited to,
reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to
the person or persons legally entitled to it.
23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this
Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for
releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the
charging of the fee is permitted under Applicable Law.
24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead
exemption laws of Wyoming.
BBAT -05
ttatz (9905).01
Page 13 of 15
Initials: ri
0101638971
Form 3051 3/99
661E ISOC WJOJ
IL68£91010 SO -ZfiHH
Jamaiog-
(mos)
Jamouog-
(IMS)
Jamo.uog-
(IuaS)
Jamo,uog-
(tun)
JamaJOg-
(IuaS)
L09
Npy/
uosur o •r AoueN
srr)uvo
St 1 seed
aamaaog-
(MS)
Jamoa.tog-
(IuoS)
Jamouog-
mo s
to (so66) (AM)V9 v
:sassau4iM
;r t{lrnN pap-rooaa puu aaMOaaog i q palnoaxa lapin /cut ut puu ;uauma3sul kirmoaS
srgl ui pautsluoo SVu>;uanOO puu sum) aqp. of saw& puu gdamu Jamauog `MO"Igg OPIINDIS Ail
08685 1
by
BBAT 05
STATE OF WYOMING, Lincoln
The foregoing instrument was acknowledged before me this 29th day of September, 2000
Nanc J. Hokanson
5HEL1EY SANOALL NOTARY PUBLIC
Counrfoi State of
CI:6A(WY) (9905) 01
My Commission Expires: February 2, 2002
Page 15 of 15
Notary Public
Initials:
County ss:
S:
608
0101638971
Form 3051 3199
L 9Wk101 V .LHOW dI IA ('E)00)
:alaltlul E 10 L eaud
661g OSLB W499 1ASSAME 1SN1 W14Q1lNn SE W ajpP +JAIEEW ENVOI' AIwIR j 816u
IS kl3Qlt(01111 HtYlfill^InW
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uatlm `�itd 6pdwc>Jd 1,Mau P� s�uauue arse put sanp mr aap
a8' •aoueroorsw Smog atp I to suogetn.Tos au wavy setp0 10 st at -Kq Ache
(m) puE MOIStpu:rry WUMO aqt I tnalo cppiat4trountoop 1ualunmba SIM t0 luarunzzsul lsn •uoprsndrooal
;o 'arm (u) :uattp,,tel4?Q (t) aq1 ate N S1ua utloau ivaniprU00 ayy emamooq nranmpuroo
sand aqi .rOpun saopalllgo sera/mama ;o Its nuopad llegs iarhauoa r..uogB TRO Qua 'd
:sMOnol es Bade put 111131rsnu0 let/1Anj .topteri pun 13M0110H
'1u0tu1111sTal £i n an :3Pttm sluaurz't3,a putt sitreuano' aq1 01 uI 'si VVNZAO3 (Illd
aqi pea (unile?aoss sawn o >�dai>Tt 1,1)ftku.uog Jo spo ,old pre s1t,�anoq °earn
�N a nd a lp jo $p of par EMUS uouautn atp Zal2Su!nz 10 &ItuA 414110
11103Vntnba uoli>:yaoeee elrentaate011 aq1 ut 190.1e1u! Y,d0M01100 tapnpnr osle 6aaadatd otu Cand„ 04 3)
Dvsmdopnxu Run Paeakt 3u mewl
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se unn0tl31 1uardolat qun patmeid a jo ued a st u3do.1/4/ am
paooa,X go suo-noT lont2f puce auar,rprto 'rd 20 ma etr{
m pall pop Se `tiemnee3 pue sear unromo, 1r 1'3 pm; shared ins
lagio qi r'apa101 'Smliomp a pm pa /Andra) pat to )aartrd a 1 01 pgmq 10u et lnq `rapnlaul Arad0,rd aril
(iruppy Lur doll
e tE@ BuT=D41 outdty acts S 3 0 L6t
:1t: parrool pue ltptunneur Amnon aqi ur NQuaspp I U d01d nip $trpaaoo pua asap aeons ern jo
aqt)
DUI 'auTpurid elbeire4sorg o,u Foderaam
rn 0i0N s,raroouog arms o1 (.rantouof„ aril) peals/awn mil AEI uan,is 'oNp awti aq3 jo
(1tmoaS„ 2141) paaQ Citaraag 10 1Siu1 In MG `ah°1inyq atp ntattroickins pus puarua v1 pip
rR Iintls put oiul papuodzoaul sl putt
�o ,Cep 0401: 's0ectroa8ag
t eta apecu si li.Qrlr DzawaoaaAaa llNn CtaNNIVId STRT,
'i3anL L,NaWdo Aaa ,LINfl. QaMNV1d
63
B9AT -03
U ;S84i
B. Property Insurance. So long as the Owners Association maintains, with a generally accepted
insurance carrier, a "master" or 'blanket" policy insuring the Property which is satisfactory to Lender and
which provides insurance coverage in the amounts (including deductible levels for
against loss by lire, hazards included within the term "extended covers e, the Periods, and
including, but tot limited to, earthquakes and floods, for which Leader sad any other hazards,
Lender wceives the provision in Section 3 for the Periodic Payment Lender insurancga of the yearly e then: (1)
installments for property insuranc on the Property: and (ii) Borrower's obligation under Section 5 premium
5 to
maintada property insurance coverage on the Property is deemed satisfied to the extent that the required
coverage is provided by the Owners Association policy.
What Leader requite, as a condition of this waiver can change during the term of the loan.
Borrower shall give Tender prompt notice of any lapse in required property insurance coverage
provided by the master or blanket policy.
a foss n th event of a distributiun of property insurance proceeds in lieu of restoration or repair following
to
licrntr aeh or to common areas and facilities of the PUD, any proceeds payable to Borrower are
Y gned an shall be paid to Lender. Lemler shall apply the proceeds to the sums secured by the
Security Instrument, whetter or not then due, with the excess, if any, 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 Condeumation or other taking of all or any part of the Propert
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 T ender. Such proceeds shall be applied by Lender to the soma secured b the
Security instrument as provided in Section 11,
E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's
prior written consent, either partidon or subdivide the Property or conscmt to: (i) the abandonment or
temination of the .PUD, except for abandonmmt or termination required by law in the case of sabstautiai
dctruction by lire 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 its for the express benefit
of Lender; (iii) termination of professionl n1auuge went and assumption of self management of the Owners
Association: or (iv) any action which would have the effect of rendering the public liability insure e:
coverage maintained by the Owners Association unacceptable to Lender.
P. Remedies. If Borrower does not pay PUD duty and assessments when due, their Lender may pay
them. Any amounts disbursed by Lender tinder this p P shall become additinnal debt of Borrower
secured by the Security Instrument. Unless Borrower and er agree to other terms of
amounts shall bear interest from the date of disbursement at the Note rate and shall b e payable, these
interest. npou notice from Lender to .Borrower requesting payment. Payable, with
17f! !0003)
Page 2 or 3
610
0101 939971.
Form 3150 3!99
BY SIGNING BELOW, Borrower accepts and agrees to the terns and provisions contained in this pup
Rider.
SEAT -OS
deit (0003)
(Seal)
harrower
(Seal) (Seal)
Borrower
Borrowar
(Seal)
Bummer
611_
(Seal)
•)3QUowrr
(Seal)
,aormwer
(Seal)
-Borrower
0101638971
Page 3 of 3 Perm 2160 3/89