HomeMy WebLinkAbout868465WHEN RECORDED MAIL TO: f I
First Security Bank, N.A. 8 6 8 6 5
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
0050050574
II I I 0 0 0 I II 0 I 1 H I II II I 1111 ilia
WYOM NO- Single Family-- Fennie Mae /Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
MORTGAGE
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RECEIVED
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(A) "Security Instrument" means this document, which is dated September 18 2000
together with all Riders to this document.
(B) "Borrower" is
CATHERINE COLE, a married woman
(Initials)
Cr
BOOK '1%3 PR PAGE u J
Space Above This Line For Recording Data
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) "Lender" is First Security Bank, N.A. Lender is
a Corporation organized and existing under the laws of The U n i t e d States of Amer Ica
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 18, 2000
The Note states that Borrower owes Lender
One Hundred Forty -Nine Thousand and No /100 Dollars
(U.S. 149,000.00 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 2030
(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.
Initials)
Form 3051 3/99 (page 1 of 15 pages)
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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 LINCOLN [Type of Recording Jurisdiction]
[Name of Recording Jurisdiction]
LOT SEVENTY —NINE (79) IN STAR VALLEY RANCH PLAT THIRTEEN (13) AS PLATTED
AND RECORDED IN THE OFFICIAL RECORDS OF LINCOLN COUNTY, WYOMING.
which currently has the address of 75 HILLSIDE CIRCLE
THAYNE
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 returned 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.
Loan Number: 0050050574
WYOMING -SMgle Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Wyoming 83127 "Property Address
[City] [Zip]
Initials Initial
[Street]
Form 3051 3/99 (page 3 of 15 pages)
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such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly,
when and where payable, the amounts 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
Loan Number: 0050050574
WYOMING-Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
I.T. 3/00
Initfals)
Initials
361
Form 3051 3/99 (page 5 of 15 pages)
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uopeopi1an xgl alglsa imai g 103 ag1m4O atuil -auo m tied o1 1amoiiog aiinbal Amu iapua
i, uoi1Oas sill ui anoqu gizo3 las suoil3l all 3o aJOW io auo al g2 io mil agi 63silgs
TTpgs 1aMOilog `uanAS st aOt2ou 1442 1Oi4m uo aimp ail 3o sngp 0T uim!M •Ua1T 042 SuTAJpuapi
aotlou m iaMO110g OATS timui lapuaZ luaUnulsui Allmon sill Jam) tili1oi1d uim22u ugO gai4M
g of loafgns si til1adoid am 3o limd Aug lull sauuulaiap iapuai 3T •luau nl1sui Auiitoos
sill 01 UaiT 041 Suilmu►piogns 1apuol o1 dio2Ogjsills luautaa121 ue um" agi 3o iapio4 041 Uio1;
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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 earnings 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
(1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid
under the Note or this Security Instrument, and (2) 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.
Loan Number: 0050050574
WYOMING-Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials
Initials)
Form 3051 aro9 (page 7 of 15 pages)
MWYO7CV
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puu `IIn3 ut pied dlalumpin si uu0-I alp Imp 3nu3 aup guipuu1stpim2ou `alqupunjaz -uou ag hugs
anlasaJ ssol 'ions •aouuznsul aguglzow jo nail ui aAJasal ssol alqupunlal -uou u su sluaudud asap
utulaz puu asn, `ldaoou Aim Japua-I ;oa33a ut aq of pasuao agezanoo aounznsut atp uatlm anp azam
imp s3uamdud paleagisap dlalenedas aql jo lunoun aql Japua-I of dud o3 anut3uoo hugs Jamo1JOg
`algelienu Jou si a aoueznsui age23Joyi 3ualenmba dllniluu3sgns 3I •zapua'I dq paloalas
Jaznsut a2u2iJom aluUJallu uu wog 'papa 11 i dlsnotnaId aouuznsul age23JON agl ;o Jam0JJ0g
of lsoo aql o3 lualeninba dllutiunlsgns Ism a In `;oa33a ut dlsnotnazd aouuznsul a3e73Joyq
am o3 1ualuninba dllutluu3sgns aguzanoo utu3Qo 03 pazmbaz smntutazd aup dud hugs JamoJJOg
`aouuznsul a21 uoJ, Jo3 smnivazd alp pzumol s3uamdud pap ugisap ,ilalundas a3p ux o3 pannbaz
sum Jamofog puu aouunsut 'ions papino1d dlsnotnazd leg3 zalnsui ag>;glzouz aq3 w0.1; alquliune
aq o3 sasuao Japua-I iiq pazinbaz ageunoo aouuznsul agugllow agl `u0sn3J due 103 `3I 3oa ;a
ut aouumsul age2310} am Lnu3umm 03 paJinbaz smntmazd agl ,iud Hugs 1amonog `ueo-1 atI3
gnnjim jo uoilipuoo u se aouuznsul a3ug3Joj, pagnbaJ Japual 3I •aoueansuj agegpow
•2ut1m ui Jaffna' am 03 s0012n Japuai ssalun agJaw Sou
Hugs app aa3 alp puu plogasual agl `duadoJd am o3 app aaj saunbou Jamozzog ;I •asual alp jo
suoisrnozd aril Hu tllim dldmoo hugs Jamollog `plogasual u uo sr 3uawtu3sul *moos sup 3I
•3uamdud 2ut3sanbaJ JamolJOH 03
Japaa' moi3 aotlou uodn `lsaza3ut lions tllim `algndud aq hugs puu luautasingsip ;o amp am utoij
alum alobl am it 3saza3ut nag Hugs slunoure asauj •luau to sul dlunoas sup dq paznoas Jamofog
jo lgap pmoilippu amooaq um 6 uoi3aas sup Japan Iapua-I dq pasmgsip s3unoun dud
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sup Japan pazuog3ne suoilou lie 10 due guprei mu Jo; d3gtquij ou smout Japuarl Imp paazgu
s! 3I .05 op 03 uoi31 ilgo Jo Amp Aug Japan 1011 si puu os op 03 anvil 3011 saop Japua-I `6 uoiloas
sup Japan uoilou a)ln1 Amu Japuaj ggnotply 330 10 110 pawn; sar3ili3n ;Aug pure `suotlipuoo
snozaguup J0 suoi3eloin apoo sap Jo guipiinq a3euiwiia `sadid 1110J; 131EM un 1p `smoputm puu
sloop do pzuoq 10 aouldaz `sVol amp `sziudaz alum 03 If3JadoJd aql guua3ua `03 palimil lou
st lnq `sapnloui dlzadozd a 'i1 guunoas 2utpaaoo1d doldan rn q u ui uopisod paznoas sli gutpnloui
`luamnJ3sul ,ilunoas sup Japan s3tlgu Jo /puu dlzadOJd alp ut 3saza3ut sat 3oa3oJd 03 saa; ,sdauzollu
alquuoseai guided puu 'moo ut gupeadde (z) `3uamnJ1sul d3unoas sup Jam d3uoud
sag gotgm hail n dq paznoas sums dun guided (j) `03 palimti 1011 OJe lnq `apnlout uuo SuOt3 M
s,Japua' •d3Jadozd aril guutudal zo /pue guunoas puu `d3zadoJd ag3 3o anlen aup gutssassu Jo /puu
guiloa3o1d guipnloui `3uatunz3sul d3imoas sup Japan mpg pue dlzado1d aup ui 3saJalui s,Japua-I
3oalozd o3 a3uudo1ddu Jo alquu0suaz si zanam /A Joj dud puu op Am Japua7 uatp `duadoJd
agl pauopunqu set' Jamotog (E) Jo `(suoiiuingaJ Jo smel aoz03ua o3 Jo 3uatunJ3sul dlunoas sup
J am dluoud uiu33u Amu goigm hail u 3o Inamaoz03ua Jo; `aznita3J0j Jo uotluuuzapuoo Jo; `aingozd
`doldnnittnq ui guipaaoozd u su 'ions) 3uamnhlsul d4noaS sup Japan sulau Jo /puu d3Jadozd
agl ui Isazalu! s,Japual 3oa ;311 dilueoulu5ls 3ggiu 3em guipaaooJd pal u st alaup (z) `3uauuu3sul
d1pnoaS sup ut pautu3uoo s3uautaa1ge puu s3ueuanoo atl3 uuo3Jad 03 sum Jamotog (I) 3I
;uauina;suj d ;t.znaas siq; Japull swam pug Sjaadoad aq; u► ;saga ;uj mapua-I 3o uopaa;oad •6
•aouapisaJ p dtouud s,Jam0tog su d31adozd alp Jo douedn000 s,Jamonog
gutUzaouoo suot3e3uasazda1 `03 pa3imii 3011 WE lnq `apnlout suopu3uasazdaz Ieua31 uuo-I ag3
tptm 110iloauuoo 111 (uoiluuuoJut luualum tprm Japuarl apinoJd 03 palm; Jo) Iapua7 03 s1uama3uls
J o uot1uuu0311t a3g1noouut Jo `guipualsiul `aslu3 dlp;talem anug luasuoo Jo agpalmounl s,zamonog
1131M 10 Jamo10H 3o uot3oaJip alp le 2ut3oe sat3ilua Jo suoszad due Jo Jam01Jog `ssaoozd
uoiluoilddu ueo-I am guunp '3i 3lnujap ut aq Hugs Jamozzog •uot ;eatjddv ueo-j mamoaaou •g
Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the
amount and for the period that Lender requires) provided by an insurer selected by Lender
again becomes available, is obtained, and Lender requires separately designated payments toward
the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
making the Loan and Borrower was required to make separately designated payments toward
the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain
Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between
Borrower and Lender providing for such termination or until termination is required by
Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the
rate provided in the Note.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the, Property is damaged, such Miscellaneous Proceeds 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 Miscellaneous 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 pay for the repairs and restoration in a single disbursement
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 Miscellaneous Proceeds, Lender
shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds.
If the restoration or repair is not economically feasible or Lender's security would be lessened,
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. 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
Loan Number: 0050050574
WYOMING-Single Family- -Fannie Mae/Freddl. Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials) (Initials)
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Form 3051 3/99 (page 9 of 15 pages)
MWYO9CV
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uopOauuoo up patutojtad saopntas toj saa3 tamojzog a8tngo dent tapuaj •sa8aig3 ugo' 'bI
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jo su8issu pug szossaoons au; tgauaq pug (pz uopoos up papinotd se 1daz xa) puiq Timis puatunusul
AtPUOas site Jo s;uatuaa1811 pug s;11guanoo ag,l •8urnJM 11T asuaiaz gaits 03 saat811 tapua-I
ssotun luatutulsuI Animas spit zapun Ctip1q ii pug suop118ilgo s,zaMOL1og t1104 pomp.' aq 1311
!imp zamoLIog •tuauziulsul Alunoas sup zapun slj uaq pug s;g8u s,zaMO.tzog 3o HE ME N° Innis
`tapual iiq panotddu si pug `BuTtp1M uT ;11atutulsul Annmoas spit zapun suopga lgo s,zamo11og
saumssi ogM tamouog Jo ;sata ;ul UT JOSS00011s SUE `81 uopoas jo suoisinozd ant O; toafgns
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Imp saat811 (o) pug `.puatunttsul Animas spit ,iq patnoas sums ag; o1 pa111811go AIlguostad
tou si (q) :tuaumzlsul Allmon spit jo stunt ail zapun Iitzadoid alp ut Isamu! s,tau8ls -oo
ag1 ,ianuoO pug tu1118 `a81181zout op SITIO 111at11nitsul Allmon spit 8upu8is -oo si (g) „tau8Ts -oo„
11) atop ant aln3axa 1011 saop ;ng ;uatunt;sul Ii ;Tznoas stn; suits -oo ogM taM0110H Aug `zanaMOH
•p111anas pug nip!' aq Ii 'Clilig pug suop118Hgo s,JOMOJJOH till; saat811 pu11 slueaan03
zaMOJJOH •punog suss put: saossaaans :saau8is -op :k;illqul'I luaanas pus ;u!Of •£t
Apatuaz to 11181t Aug Jo asi3taxa ant
apnloaid zo Jo 1anT11M 11 aq 1011 1111gs `anp uagl lunout11 am uggl ssal spunout11 uT zo zamoltog ;o
;sazalul in szossaoons JO sappua `s'uoszad pipit tuoz3 sluauiigd ;o aoumdao3g s,tapua `11opg11tuT1
lnotpIM `8uipnloup iipatuat to 11f41 SUE 8utsiotaxa ui zapual rfq aougzgagzo; ,iuv •1amo1JOg
30 ;sa1a3Ul up stossa03ns Aug to zaMO11OH lgul8uo ant ,iq ap11ut pugmap AIR ;o uosgaz iiq
luaumzlsul iitpn3as sp1p iiq pa1n3as sums all 3o uop11zgzoum 63TPom astmzalm0 to luautAud to;
au puma 01 asnja1 01 JO 1aM01z0g 30 ;sazalul 11t tossao3ns Aug 1sUi1811 s8uipaaootd a3uatutu03
of pattnbat act toll plugs tapua-1 •zamoz1og jo ;sazalul up szossaoons Aug JO zaMozzog jo A1Tlpqupl
all asgapat of apumad0 loll nulls taMottog ;o ;sazalul 11T 1ossa0Ons Aug to to /ozz0H of 1apual Aq
paiu11z8 tuaumttsul Allmon spit iiq patnOas sums alp jo uott11zpt0Un' jo UOp11OI;ipOUt to tuaulii1d
zoj aunt all jo uoisua;xg •aanism aapual Sit aautasagao3 :passapag ;oN aaMOaaog 'Z1
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to; tui111O zo p1gM11 Aug 3o spaaootd ajJ •luauuulsul ,Cpunoas spilt zapun stl8p1 10 Ii11adotd atp uT
tsata ;111 s,zapual 30 luautnuthul 11patuut 1atpo 10 Iilzado1d all Jo amnajtoj sapnjoatd `luatu8pnf
s,zapual ut `t11g1 8uilnz 11 tpim passpuispp aq 01 8uipaaoozd z0 uopl0g all 811ISn113 ,iq `61 uoipoas
uI pappnotd sg al11lsuiaz `pazzn000 sun uop111ala03g 3T `pug 1ingJap 11 gins am 11110 zaMOIJOH
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111ualuut 1alto Jo A;1ado1d atll Jo a1n;tajzoj ut tlnsat pinmm `tuatu8pnf s,zapua-1 ui `lu
un8aq st IgunWu0 10 Ipn1O zatpagM `8uipaaootd t0 UO11011 Sue 3p tingap up aq llggs tamortog
•spaa°otd snoau11lla0sm 01 pzaaaz uT uop1011 JO 1181111 sun tamoltog monM tsut11811 Avg(' all JO
spaa°otd sn0au11lla3sm JoNtatmEi samo 31143 A11gd p1itp all sugaul „Sued 8uisoddp„ •anp uatp
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uotl111olsa1 o1 Jatpna spaaootd snoau11lla0sm alp Apdde pug ;0a1i00 01 pazUotpn11 sI 1apul `uani8
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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: 0050050574
WYOMING-Single Family-- Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
inWats)
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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 any 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: 0050050574
WYOMING-Single Family- -Fermi. Mas/Freddts Mac UNIFORM INSTRUMENT
I.T. 3/00
Eft In 'al s orm 3051 3/99 (page 13 of 15 pages)
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O ai8465
WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
ATTN: Charlotte Neel Reinhart
PLANNED UNIT DEVELOPMENT RIDER
THIS PLANNED UNIT DEVELOPMENT RIDER is made 18th this day of
September 200 (bind 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:
75 HILLSIDE CIRCLE, THAYNE, WY 83127
The Property includes, but is not limited to, a parcel of land improved with a dwelling, together
with other such parcels and certain common areas and facilities, as described in
SEE ATTACHED SCHEDULE A
(the Declaration The Property is a part of a planned unit development known as
STAR VALLEY RANCH
(the "PUD The Property also includes Borrower's interest in the homeowners association or
equivalent entity owning or managing the common areas and facilities of the PUD (the
Owners Association and the uses, benefits and proceeds of Borrower's interest.
PUD COVENANTS. In addition to the covenants and agreements made in the Security
Instrument, Borrower and Lender further covenant and agree as follows:
A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's
LOAN NO: 0050050574
[Name of Planned Unit Development]
11
[Property Address]
A
d
u
MULTISTATE PUD RIDER Single Fam y -Fann e Mae /Freddie Mac UN FORM NSTRUMENT
FORM 3150 3/99 I.T. 10/99 (page 1 of 3 pages)
n@iais initials
RMS1PUD
LOAN NO: 0050050574
Ubti8' i 37 3
Constituent Documents The Constituent Documents" are the (i) Declaration; (ii) articles of
incorporation, trust instrument or any equivalent document which creates the Owners
Association; and (iii) any by -laws or other rules or regulations of the Owners Association.
Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the
Constituent Documents.
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 the periods, and 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, then:
(i) Lender waives the provision in Section 3 for the monthly payment to Lender of the
yearly premium installments for property insurance on the Property; and
(ii) Borrower's obligation under Section 5 to maintain property insurance coverage on
the Property is deemed satisfied to the extent that the required coverage is provided by the
Owners Association policy.
What Lender requires as a condition of this waiver can change during the term of the loan.
Borrower shall give Lender prompt notice of any lapse in required property insurance
coverage provided by the master or blanket policy.
In the event of a distribution of property insurance proceeds in lieu of restoration or repair
following a loss to the Property, or to common areas and facilities of the PUD, any proceeds
payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the
proceeds to the sums secured by the Security Instrument, whether 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 condemnation or other taking of all or any part of
the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of
condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied
by Lender to the sums secured by the Security Instrument as provided in Section 11.
E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with
Lender's prior written consent, either partition or subdivide the Property or consent to:
(i) the abandonment or termination of the PUD, except for abandonment or termination
required by law in the case of substantial destruction by fire or other casualty or in the case of
a taking by condemnation or eminent domain;
(ii) any amendment to any provision of the Constituent Documents" if the provision is
for the express benefit of Lender;
(iii) termination of professional management and assumption of self management of the
MULTISTATE PUD RIDER Single Family Fannie Mae /Freddle Mac UNIFORM INSTRUMENT
FORM 3150 3/99 I.T. 10/99 (page 2 of 3 pages)
RMS2PUD
Ofld£SWH (se5ed g /o E e8ed) 66/01. "1'1 66/£ OS1.0 WHOA
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O8Ei8465 37 6
MORTGAGE INSURANCE RIDER
This Mortgage Insurance Rider is made this 18 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 "Borrower to secure Borrower's note (the "Note to
First Security Bank, N.A.
"Lender of the same date and covering the property described in the Security Instrument and located at:
75 HILLSIDE CIRCLE, THAYNE, WY 83127
[Property Address]
The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument
has a form date at the lower right corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at
the lower right corner that is earlier than 3/99):
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if
Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into
agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms
and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these
agreements. These agreements may require the mortgage insurer to make payments using any source of funds
that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance
premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other
entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from
(or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for
sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an
affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the
insurer, the arrangement is often termed "captive reinsurance." Further:
(A) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage
Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will
owe for Mortgage Insurance, and they will not entitle Borrower to any refund.
(B) Any such agreements will not affect the rights Borrower has if any with respect to the Mortgage
Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the
right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to
have the Mortgage Insurance terminated automatically, and /or to receive a refund of any Mortgage
Insurance premiums that were unearned at the time of such cancellation or termination.
MULTISTATE MORTGAGE INSURANCE RIDER Single Family Fannie Mae Uniform Instrument
Form 3160 8/00 (page 1 of 2) 0050050574
3160
By signing below, Borrower accepts this Mortgage Insurance Rider and agrees that it amends and supplements the
Security Instrument.
CATHERINE COLE
MULTISTATE MORTGAGE INSURANCE RIDER Single Family Fannie Mae Uniform Instrument
Form 3160 8 /00 (page 2 of 2)
377
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
3160B