HomeMy WebLinkAbout868507WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
0007689896
DEFINITIONS
I.T. 3/00
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MORTGAGE
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BOOK__ _PR PAGE
(A) "Security Instrument" means this document, which is dated Septembe 13, 2000
together with all Riders to this document.
(B) "Borrower" is
KIRT R GALLOWAY and LORI ANN GALLOWAY, husband and wife
452
RECEIVED
[3 6 0 50 1
Words used in multiple sections of this document are defined below and other words arei;tietd;
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 United States of Am e r i c a
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 13, 2000
The Note states that Borrower owes Lender
One Hundred Sixty -Two Thousand and No /100 r Dollars
(U.S. 162, 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)
WYOMING Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3051 3/99 (page 1 of 15 pages)
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NOTE: This serves to correct that certain mortgage recorded September 14,
2000 in Book 452PR on page 46 to include complete mortgage.
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(G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following
riders are to be executed by Borrower [check box as applicable]:
Adjustable Rate Rider
Balloon Rider
1 -4 Family Rider
TRANSFER OF RIGHTS IN THE PROPERTY
Loan Number: 0007689896
Condominium Rider
El Planned Unit Development
Rider
Biweekly Payment Rider
(H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non appealable judicial opinions.
(I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit
or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller
machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse
transfers.
(K) "Escrow Items" mean those items that are described in Section 3.
(L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i)
damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the
Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the
value and /or condition of the Property.
(M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on,
the Loan.
(N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the
Note, plus (2) any amounts under Section 3 of this Security Instrument.
(0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. J 2601 et seq.) and its
implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to
time, or any additional or successor legislation or regulation that governs the same subject matter. As used
in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard
to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage
loan" under RESPA.
(P) "Successor in .Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and /or this Security Instrument.
This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions
and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
Lender and Lender's successors and assigns, with power of sale, the
W YOMINO- Singla Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
FSB 08/00
(Initials)
501
(Initials)
0/7
Second Home Rider
Other(s)
Mortgage Insurance Rider
Form 3061 3/99 (page 2 of 15 pages)
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Loan Number: 0007689896
WYOMING-Single Family -Fannie Maa/Fraddli Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials Initial
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503
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Payments are deemed received by Lender when received at the location designated in the
Note or at such other location as may be designated by Lender in accordance with the notice
provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the
payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept
any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of
any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in
the future, but Lender is not obligated to apply such payments at the time such payments are
accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need
not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower
makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable
period of time, Lender shall either apply such funds or return them to Borrower. If not applied
earlier, such funds will be applied to the outstanding principal balance under the Note
immediately prior to foreclosure. No offset or claim which Borrower might have now or in the
future against Lender shall relieve Borrower from making payments due under the Note and this
Security Instrument or performing the covenants and agreements secured by this Security
Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (1)
interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3.
Such payments shall be applied to each Periodic Payment in the order in which it became due.
Any remaining amounts shall be applied first to late charges, second to any other amounts due
under this Security Instrument, and then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which
includes a sufficient amount to pay any late charge due, the payment may be applied to the
delinquent payment and the late charge. If more than one Periodic Payment is outstanding,
Lender may apply any payment received from Borrower to the repayment of the Periodic
Payments if, and to the extent that, each payment can be paid in full. To the extent that any
excess exists after the payment is applied to the full payment of one or more Periodic Payments,
such excess may be applied to any late charges due. Voluntary prepayments shall be applied first
to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due
under the Note shall not extend or postpone the due date, or change the amount, of the
Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are
due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment
of amounts due for: (a) taxes and assessments and other items which can attain priority over this
Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground
rents on the Property, if any; (c) premiums for any and all insurance required by Lender under
Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to
Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the
provisions of Section 10. These items are called "Escrow Items." At origination or at any time
during the term of the Loan, Lender may require that Community Association Dues, Fees and
Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an
Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under
this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives
Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive
Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time Any
Form 3051 3/99 (page 4 of 15 pages)
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proceedings which in Lender's opinion operate to prevent the enforcement of the lien while
those proceedings are pending, but only until such proceedings are concluded; or (c) secures
from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this
Security Instrument. If Lender determines that any part of the Property is subject to a lien
which can attain priority over this Security Instrument, Lender may give Borrower a notice
identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall
satisfy the lien or take one or more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one -time charge for a real estate tax verification
and /or reporting service used by Lender in connection with this Loan.
5. Property Insurance. Borrower shall keep the improvements now existing or hereafter
erected on the Property insured against loss by fire, hazards included within the term "extended
coverage," and any other hazards including, but not limited to, earthquakes and floods, for
which Lender requires insurance. This insurance shall be maintained in the amounts (including
deductible levels) and for the periods that Lender requires. What Lender requires pursuant to
the preceding sentences can change during the term of the Loan. The insurance carrier providing
the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's
choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in
connection with this Loan, either: (1) a one -time charge for flood zone determination,
certification and tracking services or (2) a one -time charge for flood zone determination and
certification services and subsequent charges each time remappings or similar changes occur
which reasonably might affect such determination or certification. Borrower shall also be
responsible for the payment of any fees imposed by the Federal Emergency Management Agency
in connection with the review of any flood zone determination resulting from an objection by
Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain
insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to
purchase any particular type or amount of coverage. Therefore, such coverage shall cover
Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the
contents of the Property, against any risk, hazard or liability and might provide greater or lesser
coverage than was previously in effect. Borrower acknowledges that the cost of the insurance
coverage so obtained might significantly exceed the cost of insurance that Borrower could have
obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of
Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate
from the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to
Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall
name Lender as mortgagee and /or as an additional loss payee. Lender shall have the right to
hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to
Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of
insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the
Property, such policy shall include a standard mortgage clause and shall name Lender as
mortgagee and /or as an additional loss payee.
In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender.
Lender may make proof of loss if not made promptly by Borrower. Unless Lender and
Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying
insurance was required by Lender, shall be applied to restoration or repair of the Property, if
Loan Number: 00 07689896
WYOMINOSingle Family -Fannie Mae/Freddie Mao UNIFORM INSTRUMENT
I.T. 3/00
Initials Initials
505
051
Form 3051 3/99 (page 6 of 15 pages)
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iediouud s sg Aizadozd at1 asn pu11 `tsiig113sa `ridn000 Hugs zaMOZZOH •,fouudno3O •9
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aigisuaj /Cii11oluuouooa 1ou st zl11daz zo uolp11zoisaz tip 31 •zam0zzog 3o uop112ggo aios tip aq H11iis
puu spaaoozd aouemsal a111 ;o ino mud aq 1ou Hugs zamozzog Aq paul113az `sapzed pzlgp zagpo JO
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sauas a ul zo ivaur,i11d aiauls 11 ur uop11zo3saz puu szludaz a l zoj spaaoozd aszngstp Amu zapua-
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8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with
Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or
statements to Lender (or failed to provide Lender with material information) in connection with
the Loan. Material representations include, but are not limited to, representations concerning
Borrower's occupancy of the Property as Borrower's principal residence.
9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.
If (1) Borrower fails to perform the covenants and agreements contained in this Security
Instrument, (2) there is a legal proceeding that might significantly affect Lender's interest in the
Property and /or rights under this Security Instrument (such as a proceeding in bankruptcy,
probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over
this Security Instrument or to enforce laws or regulations), or (3) Borrower has abandoned the
Property, then Lender may do and pay for whatever is reasonable or appropriate to protect
Lender's interest in the Property and rights under this Security Instrument, including protecting
and/or assessing the value of the Property, and securing and /or repairing the Property. Lender's
actions can include, but are not limited to, (1) paying any sums secured by a lien which has
priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable
attorneys' fees to protect its interest in the Property and /or rights under this Security Instrument,
including its secured position in a bankruptcy proceeding. Securing the Property includes, but is
not limited to, entering the Property to make repairs, change locks, replace or board up doors
and windows, drain water from pipes, eliminate building or other code violations or dangerous
conditions, and have utilities turned on or off. Although Lender may take action under this
Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is
agreed that Lender incurs no liability for not taking any or all actions authorized under this
Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of
Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate
from the date of disbursement and shall be payable, with such interest, upon notice from Lender
to Borrower requesting payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions
of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall
not merge unless Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making
the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in
effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be
available from the mortgage insurer that previously provided such insurance and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance,
Borrower shall pay the premiums required to obtain coverage substantially equivalent to the
Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to
Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer
selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,
Borrower shall continue to pay to Lender the amount of the separately designated payments that
were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain
these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve
shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and
Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.
Loan Number: 0007689896
WYOMING-Single Family-Fannie Mee/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials Initial
507
053
Orm 3051 9/89 (page 8 of 15 pages)
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i11tii zamozzog 03 zapua Xq aopou za3311 `3t zo `zamozzog iCq pauopurgn st Xiudozd 0 n 3I
anp uag3 azn sums am 3ou JO
zatpagM 3uatunz3sui Xiunoas sup Aq paznoas sums am o3 patiddn aq nuts spaaOozd snoaunilaosij,
0143 `gunpm 111 aaz8n as1MZa143o zapua-j pun zaMOJJOg ssaiun `amen ul sso! JO `uolianz3sap
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for damages, Borrower fails to respond to Lender within 30 days after the date the notice is
given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration
or repair of the Property or to the sums secured by this Security Instrument, whether or not
then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds
or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun
that, in Lender's judgment, could result in forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument.
Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in
Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's
judgment, precludes forfeiture of the Property or other material impairment of Lender's interest
in the Property or rights under this Security Instrument. The proceeds of any award or claim for
damages that are attributable to the impairment of Lender's interest in the Property are hereby
assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall
be applied in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for
payment or modification of amortization of the sums secured by this Security Instrument granted
by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the
liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to
commence proceedings against any Successor in Interest of Borrower or to refuse to extend time
for payment or otherwise modify amortization of the sums secured by this Security Instrument
by reason of any demand made by the original Borrower or any Successors in Interest of
Borrower. Any forbearance by Lender in exercising any right or remedy including, without
limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest
of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude
the exercise of any right or remedy.
13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower
covenants and agrees that Borrower's obligations and liability shall be joint and several.
However, any Borrower who co -signs this Security Instrument but does not execute the Note (a
"co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the
co- signer's interest in the Property under the terms of this Security Instrument; (b) is not
personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that
Lender and any other Borrower can agree to extend, modify, forbear or make any
accommodations with regard to the terms of this Security Instrument or the Note without the
co- signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender,
shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall
not be released from Borrower's obligations and liability under this Security Instrument unless
Lender agrees to such release in writing. The covenants and agreements of this Security
Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of
Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection
with Borrower's default, for the purpose of protecting Lender's interest in the Property and
rights under this Security Instrument, including, but not limited to, attorneys fees, property
Loan Number: 00076
WYOMING-Single Famiy-- Fannie Mao/Freddie Mae UNIFORM INSTRUMENT
I.T. 3/00
O C85O?
nitials Initials
055
509
onn 9051 aroa (page 10 of 15 pages)
MWY1OCV
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Alunoas sTqi 3o pus aloN aip 30 Moo ago uanT2 aq pegs iantoizog •SdoD secaAoaaog •LI
•uopoe Cur a3pl 03 uope2Tigo Cu r 3notitM
uopazos1p aios sanTE jCgtu„ wont alp pus `eszan aoMA pus 1vti1d ail apnlou! pus ueaut iiegs
muftis ail u! spzonn (t) `iapuaa au!UTtua3 agl jo spzont zo spiont za3nau unpuodsauoo apnioui
pus uram hats 'alma atriums= alp 3o sworn (I) :auaumzasui ,Caunoas sup uT pasn sy
•uOTSTAOid &upogJuoo
ail momptn Joajja uanT5 aq ueo tOItM aloN aril io ivaunulsaj AiTZno sup jo suo!sTnozd
iatlo 1oa33r lou nets lomuoo Bans `Me•i aigeogddy gm in siogluoo aloN am JO 3uounuisui
,CJunoas sup 3o asneio JO uoTSTnozd Cue imp Juana am TIT •loeiiuoo Aq 1uautaaz2e lsan h
uotiigigozd r se panzlsuoo aq Iou nets aouaj!s qons Jnq 'maps aq 3gf!at 1T zo loezluoo Aq =Br
01 sound alp Moue Ap!o!iduu JO AI1Ta!idxa 1g8Tui Me'i aigeoiiddy nte'i aiquogddy jo Suoj3elmTi
pus sivautaimbaz iiur of loafgns aze ivaiunz1sui Alunoas sup uT pauieluoo suoilefTigo pug sig9Tz
Ipy "paieooi sT Alzadozd agJ goTgM uT uopoipsunf alp 3o Mei am pug Mei !rival Aq pauiano2
aq pugs luauItulsui *Tunas situ •uoilan.isuoD Jo saint `•ifJliigOJanas !Awl 2uiuJaAOD '9I
•luauttU1SUi Allmon sup zapun luauIazmbaz au puodsanoo aql
&jspgs Ulm
ivattazmbai MgJ aiggoiiddy am `Mgrs aiggogddy zapun paunbaz osig sT mamma'
Alunoas sup .Sq paunbai aopou Niue 3i •iapua-i Aq panTaoai Ailenlor ipun zapua-i o1 uani3 uaaq
aneq o1 pauiaap aq Jou nets luaumusui Aiunoas sup ljlTM uopoauuoo TIT aopou duy •zantozzog
of aopou ,Cq ssaippe zagloue pa3eu2Tsap set zapuaJ ssaiun utazaq paiels ssazppe s,zapuaj of iletu
sseto ISZU Aq 1! gum= Aq _to 1! &uuaniiap uanT2 aq 'Tugs zapuag 01 aoTlou ,Cuy •auup auo Cur
3g ivattnzisui iClunoas sup zapun ssazppe aopou paleugISap auo ,Ciao aq Arm gnu •ainpaoozd
pauioads Jrii1 g2norti ssaippe jo a2urgo liodai /Ciao nets zamozzog uaip `ssaippe jo
a5uego s,zannozzog Rupiodaz zoj aznpaaozd a sai3TOads zapua-j 3i •ssazppe jo s,imoiiog
jo zapua7 JTlou ApdmoJd nets iamoziOH •zapuaJ o1 aoilou Aq ssaippe aoIiou a1n1psgns
pamaTsap set zaMOJJOg ssaiun ssaippy ,Cliadozd ati aq Iiggs ssazppr aopou atu •asTMZatio
sazmbai Aissazdxa Mt-i aigeoiiddy ssaiun szamoziog iig o1 aopou ainipsuoo Bets zamozzog
auo Aur o1 aopoN •sueauW iaipo Iiq was 3T ssazppe aoIiou s o1 pazanTiap Xiienlor uagM
JO Iteam ssgJ3 3sig Aq papinu uagM zamozzog o1 uanIE uaaq anrg o1 paivaap aq imp luaum°T1sui
Ji3unoaS sup g1TM uopoaUUOO uT zaMoziog 01 aop0U ifuy •gupTM uT aq isms" 1uaumtlsui
A1TZnoas sup nuuM uoi1oauuoo uT iapua- 10 iamofog uani$ SaoI3ou Iiy •saail0N 'SJ
•aRzegazano tons 30 lno
�u iS!1 aneq 311413 JOM0110E1 uoiloe JO 1I J1 Niue JO 1 AT1M a ain1i1suoo IITm zam0izog o3 1uatI'igd
1oa1Tp apgat puma' tons iCue ;o aoue1daoor mamozzog •(a10N am zapun zo; papTnozd
sT aBirgo maul/Cycloid a 300 JO iaglatm) a2zeto luamArdazd Ale lnog3Tnt JuauuArdazd Trpisd
g se palrazl aq iiTM uoponpaz at1 IrdTouud saonpaz punJaz g 3i •1aMoziog o3 1uaUiAed loazip
5 &upigat /Cq zo a1oN alp zapun panto Irdtouiid ail 2UTonpaz Aq putgaz sup ahem o3 asooto virtu
zapua •1amozzog o3 papunJaz aq Tpin sum!! pail uii d papaaoxa toutnk zamouog uuozu pa1oaiioo
Apraiie stuns Aus (q) pug !um!! pafiiuiad am 01 aSzgto am aonpaz o3 ,Czessaoau Juno= aip
Aq paonpaz aq Bets a2Jugo usoi gons Aus (s) :uaTp 'sum!' pa11Ttuzad alp paaoxa ueo-T ati g1TM
uopoauuoo uT paloaiioo aq 01 zo paloalioo sagzeto ueol zamo zo 1saza1UT atp letp Os palazdzalu1
Aiiruu sT my!. 1511 pug `sazeg° ueoi iuniuixeat SIDS toigm mg' 5 o3 ioafgns sT ueo-i alp 3I
a Act JO luatnu1SUi A1unoas sup Xq pa3TgTgozd
Aissaidxa an 1e1p saa3 a2z5Io Sou drat 1apuaJ •aaj ions jo guIgzgto alp uo uoptgtgoid
e se panz1suoo aq loll iiegs iamoiiog 03 003 DT3TOads r a5Jrto 03 luaamzlsai ,i3Tznoas step
ut Aiuogum ssazdxa 3o aouasgr am `saaj zag3o ,Cur 01 p1r2a1 ITT •saaj uopenirn pug uo1loadsUT
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18,
"Interest in the Property" means any legal or beneficial interest in the Property, including, but
not limited to, those beneficial interests transferred in a bond for deed, contract for deed,
installment sales contract or escrow agreement, the intent of which is the transfer of title by
Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if
Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)
without Lender's prior written consent, Lender may require immediate payment in full of all
sums secured by this Security Instrument. However, this option shall not be exercised by Lender
if such exercise is prohibited by federal law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The
notice shall provide a period of not less than 30 days from the date the notice is given in
accordance with Section 15 within which Borrower must pay all sums secured by this Security
Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender
may invoke any remedies permitted by this Security Instrument without further notice or
demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at
any time prior to the earliest of: (i) five days before sale of the Property pursuant to any power
of sale contained in this Security Instrument; (ii) such other period as Applicable Law might
specify for the termination of Borrower's right to reinstate; or (iii) 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
Loan Number: 0007689896
WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initial Initial
511
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Loan Number: 0007689896
WYOMING Single Fem1y- -FannIs McNFrnddl. Moo UNIFORM INSTRUMENT
I.T. 3/00
513 057
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.
orm 3051 3/99 (page 14 of 15 pages)
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