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0 G8 56 655
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness
evidenced by the Note and late charges as provided in the Note.
2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall pay to
Lender on the day monthly payments of principal and interest are payable under the Note, until the Note is paid in full, a sum (herein
"Funds equal to one twelfth of the yearly taxes and assessments (including condominium and planned unit development assessments,
if any) which may attain priority over this Mortgage and ground rents on the Property, if any, plus one twelfth of yearly premium
installments for hazard insurance, plus one twelfth of yearly premium installments for mortgage insurance, if any, all as reasonably
estimated initially and from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Borrower
shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a
prior mortgage or deed of trust if such holder is an institutional lender.
If Borrower pays Funds to Lender, the Funds shall be held in an institution the deposits or accounts of which are insured or
guaranteed by a Federal or state agency (including Lender if Lender is such an institution). Lender shall apply the Funds to pay said
taxes, assessments, insurance premiums and ground rents. Lender may not charge for so holding and applying the Funds, analyzing said
account or verifying and compiling said assessments and bills, unless Lender pays Borrower interest on the Funds and applicable law
permits Lender to make such a charge. Borrower and Lender may agree in writing at time of execution of this Mortgage that interest on
the Funds shall be paid to Borrower, and unless such agreement is made or applicable law requires such interest to be paid, Lender shall
not be required to pay Borrower any interest or earnings on the Funds. Lender shall give to Borrower, without charge, an annual
accounting of the Funds showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The
Funds are pledged as additional security for the sums secured by this Mortgage.
If the amount of the Funds held by Lender, together with the future monthly installments of Funds payable prior to the due
dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes, assessments,
insurance premiums and ground rents as they fall due, such excess shall be, at Borrower's option, either promptly repaid to Borrower or
credited to Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shall not be sufficient to pay taxes,
assessments, insurance premiums and ground rents as they fall due, Borrower shall pay to Lender any amount necessary to make up the
deficiency in one or more payments as Lender may require.
Upon payment in full of all sums secured by this Mortgage, Lender shall promptly refund to Borrower any Funds held by
Lender. If under paragraph 17 hereof the Pro is sold or the Property is otherwise acquired by Lender, Lender shall apply, no later than
immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit
against the sums secured by this Mortgage.
3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under the
Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under
paragraph 2 hereof, then to interest payable on the Note, and then to the principal of the Note.
4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under
any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage, including Borrower's
covenants to make payments when due. Borrower shall pay or cause to be paid all taxes, assessments and other charges, fines and
impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents, if any.
5. Hazard 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 such other hazards as Lender may require and in such
amounts and for such periods as Lender may require.
The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided, that such
approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and
shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies
and renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over
this Mortgage.
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.
If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date notice is
mailed by Lender to Borrower that the insurance car offers to settle a claim for insurance benefits, Lender is authorized to collect and
apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage.
6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments.
Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the Property and
shall comply with the provisions of any lease if this Mortgage is on a leasehold. If this Mortgage is on a unit in a condominium or a
planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing
the condominium or planned unit development, the by -laws and regulations of the condominium or planned unit development, and
constituent documents.
7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this
Mortgage, or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender, at
Lender's option, upon notice to Borrower, may make such appearances, disburse such sums, including reasonable attorneys' fees, and
take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as a condition of making the loan
secured by this Mortgage, Borrower shall pay the premiums required to maintain such insurance in effect until such time as the
requirement for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. Any
amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall become additional indebtedness
of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable
upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragraph 7 shall require Lender to incur
any expense or take any action hereunder.
8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided
that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in
the Property.
9. Condemnation. The proceeds of any or claim for damages, direct or consequential, in connection with any condemnation
or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to
Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage.
WYOMING SECOND MORTGAGE -1/80- FNMA/FHLMC UNIFORM INSTRUMENT
Page 2 of 4 Form 3851
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RO
ON '5, 46
19. Assignment of Rents; Appointment of Receiver; Lender in Possession. As additional security hereunder,
Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17
hereof or abandonment of the Property, have the right to collect and retain such rents as they become due and payable.
Upon acceleration under paragraph 17 hereof or abandonment of the Property, and any time prior to the expiration of any
period of redemption following judicial sale, Lender, in person, by agent or by judicially appointed receiver, shall be entitled to enter
upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by
Lender or the receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including, but
not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this
Mortgage. Lender and the receiver shall be liable to account only for those rents actually received.
20. Release. Upon payment of all sums secured by this Mortgage, Lender shall release this Mortgage without charge to
Borrower. Borrower shall pay all costs of recordation, if any.
21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the Property.
Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has
priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default
under the superior encumbrance and of any sale or other foreclosure action.
IN WITNESS WHEREOF, Borrower has executed this Mortgage.
STATE OF WYOMING, LINCOLN County ss:
The foregoing instrument was acknowledged before me this ,..C._(-1111 bL l 6) 0 F..)I.A -44211 1 3
(date)
t
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�ial seal.
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Prepared by ted.by:
Richard Greene of:
R &G'S Mobile Document Signers
10526 Pico Vista Road
Downey, Ca. 90241 (562) 869 -6784
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REQUEST FOR NOTICE OF DEFAULT
AND FORECLOSURE UNDER SUPERIOR
MORTGAGES OR DEEDS OF TRUST
(Seal)
Borrower
Borrower
(person acknowledging)
(Space Below This Line Reserved For Lender and Recorder)
(Seal)
PAMELA ANN PAWLOWSKI Borrower
Recording Requested by
When Recorded Roturrrji :b:
US Recordings, Inc.
2925 Country Drive :M s9 ?Oi
St. Paul, MN 55117
Ka f k e-r t rl e. 12c 5
Notary Public
WYOMING SECOND MORTGAGE -1/80- FNMA/FHLMC UNIFORM INSTRUMENT
657
(Seal)
Borrower
(Seal) (Seal)
Borrower
by
Page 4 of 4 Form 3851
The Legal Description an said property is as follows:
UNIT A:
O 8 5,5
EXHIBIT "A"
6 58
A PORTION OF LOT SEVEN (7) OF BLOCK TEN (10) AND THE NORTHERLY 6.20 FEET OF LOT SIX
(6) OF BLOCK TEN (10), BOTH OF THE LINCOLN HEIGHTS 4' SUBDIVISION TO THE TOWN OF
KEMMERER, LINCOLN COUNTY, WYOMING, BEING MORE PARTICULARLY DESCRIBED AS
FOLLOWS:
COMMENCING AT TILE NORTIIEAST CORNER OF SAID LOT 7, BLOCK 10; TIIENCE SOUTH
ALONG THE EAST BOUNDARY OF LOT 7, BLOCK 10, A DISTANCE OF 75.50 FEET TO THE POINT
OF BEGINNING OF UNIT A; THENCE WEST ALONG THE SOUTHERLY BOUNDARY OF UNIT B, A
DISTANCE OF 130.0 FEET; THENCE SOUTH ALONG THE WEST BOUNDARY OF LOT 7, BLOCK 10,
A DISTANCE OF 27.0 FEET TO THE SOUTHWEST CORNER OF LOT 7, BLOCK 10; THENCE
CONTINUING SOUTH ALONG THE WEST BOUNDARY OF SAID LOT 6, BLOCK 10, A DISTANCE OF
6.20 FEET; THENCE EAST ALONG TIIE SOUTHERLY BOUNDARY OF UNIT A A DISTANCE OF 130.0
FEET; THENCE NORTH ALONG TIIE EAST BOUNDARY OF LOT 6, BLOCK 10, A DISTANCE OF 6.20
FEET TO THE SOUTHEAST CORNER OF LOT 7, BLOCK 10; THENCE CONTINUING NORTH
ALONG THE EAST BOUNDARY OF LOT 7, BLOCK 10, A DISTANCE OF 27.0 FEET TO THE POINT
OF BEGINNING OF SAID UNIT A, TOGETIIER WITH ALL BUILDNGS, IMPROVEMENTS AND
APPURTENANCES THEREON, SITUATE AND IN ANYWISE APPERTAINING THEREUNTO.
1111111111111 11111111111111111111111111
U -02
MORTGAGE
LOAN# 66290101138520001
US Recordings