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WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
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INITIONS
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.
(A) "Security Instrument" means this document, which is dated September 22, 2 0 0 0
together with all Riders to this document.
(B) "Borrower" is
V. REESE ANDERSON and SUSAN 0 ANDERSON, husband and wife
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 America
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 22, 2000
The Note states that Borrower owes Lender
Fifty Thousand and No /100 Dollars
(U.S. 50,000.00 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, 2015
(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.
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WYOM NO- Single Family-- Fannie Mae/Freddb Mac UNIFORM INSTRUMENT
I.T. 3/00
BOOK PR PAGE
RECEIVED
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 76 OF STAR VALLEY RANCH PLAT 9, LINCOLN COUNTY, WYOMING AS DESCRIBED
ON THE OFFICIAL PLAT THEREOF.
which currently has the address of 873 VISTA DRIVE
Loan Number: 0050050723
WYOMINOSIngie Family -Fannie Mae/Fr ddN Mac UNIFORM INSTRUMENT
I.T. 3/00
[Street]
THAYNE Wyoming 83127 "Property Address
[City] [Zip]
674
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.
Form 3051 3/99 (page 3 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: 0050050723
WYOMINGSIngle Fam(y-- Fannle Mae/Fr.ddN Mac UNIFORM INSTRUMENT
I.T. 3/00
1 r°
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Form 3051 3ro9 (page 6 of 15 pages)
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zapun si12p sat asi3'axa i(11ru zapua-i `swan Moz3sa 1111 zo3 anp 1111111111 0131 /C11d 01 sit11j zamozzog
131111 `zaltt11M 11 of luensznd `Xp3aztp saran Mo'3sg /Ced of pa1R2igo Si zaMOZZOg n •6 uopoas ut
pasn Sr Iuaaraa Ru pug iuruano3„ as11ztrd alp sr luatunzisui Alpn3aS sttp uT pauteiuo3 twawraa'S11
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03311111 at uop118trgo s,z0MOJ1031 °aztnbaz hat zapuag sr potzad atop ions utip1M ivatuArd trans
Sut3uaptna s3dta3az 0131100 of 1stuznJ iiegs `saztnbaz zapun' 3t `pare Japuaq Aq pant11M uaaq s11i
spund Jo plat:Lard I nttim zo3 saran Mo'3sg Aue zo3 anp stunotu11 0131 `atg11if11d azaiM pu11 uaiM
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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: 0050050723
WYOMING-Single Family- -Fanni. Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
678
Form 3051 3/99 (page 8 of 15 pages)
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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: 0050050723
WYOMING Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Inftlals Meal
63
orm 3051 3/99 (page 10 of 15 pages)
MWY1OCV
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`Sunjr; jrpred am azopaq ATa;Eipauttui pamoas sums atp jo ;unoui am uutp ssoj si anjun
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atp Aq poonpaz ag jjugs ;uatunzpsui Apimoas site Aq pamoas sutras am `SutpuM ui aazSr asyniag;o
iapua-j puE zamozzog ssajun 'omit ui ssoj JO `uoiponzpsap `Suite jEpred am ato ;aq Aia ;Oipaurmi
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ui ssoj JO `uoponzpsap `Suppi jrpird agp azopaq Alaluipatuun Apzadozd atp jo awn paveut zinj
am goigM ui Auodozd am JO anon ui ssoj JO `uoponusap `Sup(m !Egad E jo piano am in
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puamosmgsip alSuis n ui uoi;rzo;saz pun szindaz alp zo3 And Arm zapuaq •Apdmozd uolegapun aq
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unluretu 01 pazinbaz stunuuazd alp Aud Tlrgs zamomog `aourmsaj a2r2uojnj zo; stunjuzazd alp
preMO; spuatuAEd pa;EUSisap ATopEZrdas a)f UI o; pazinbaz SEM zaAOZZOg puu uroq alp SUD U=
jo uoipipuoo E SE aouEZnsal aSES;zoJAj pazinbaz zapua-j 31 •aoUEZnsul agrSuolg Kg stunituazd alp
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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: 0 0 5 0 0 5 0 7 2 3
WYOMING Single Family -Fannie Maa/Fraddh Mac UNIFORM INSTRUMENT
I.T. 3/00
arm 3051 3/99 (page 12 of 15 pages)
MWYI2CV
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pue maul Hells zapua2 auiinosemu alp jo spzo& (I) :;uamnz;suI ,C ;iznoas site ui pasn sy
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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: 0050050723
WYOMINGSngle Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials Infl
1 B 4
orm 3051 3/99 (page 13 of 15 pages)
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OF_IC8563
WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
ATTN: Charlotte Neel- Reinhart
THIS PLANNED UNIT DEVELOPMENT RIDER is made 22nd this day of
September, 200 Q3nd 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:
873 VISTA DRIVE, THAYNE, WY 83127
[Property Address]
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
LOAN NO: 0050050723
PLANNED UNIT DEVELOPMENT RIDER
u
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[Name of Planned Unit Development]
(the "PUD The Property also includes Borrower's interest hi 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
u
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11
11
MULTISTATE PUD RIDER Single Fam y -Fann a Mae/Freddie Mac UN FORM INSTRUMENT
FORM 3150 3/99 I.T. 10/99 (page 1 of 3 pages)
687
Initials Initials
RMS1PUD
0818 j i3 688
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
LOAN NO: 0050050723
MULTISTATE PUD RIDER Single Family Fannle Mae/Freddle Mac UNIFORM INSTRUMENT
FORM 3150 3/99 I.T. 10/99 (page 2 of 3 pages)
RMS2PUD
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WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
ATTN:Charlotte Neel Reinhart
SECOND HOME RIDER
THIS SECOND HOME RIDER is made this 22nd 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 (the "Borrower," whether
there are one or more persons undersigned) 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 (the "Property which is located at:
873 VISTA DRIVE, THAYNE, WY 83127
[Property Address]
In addition to the covenants and agreements made in this Security Instrument, Borrower and Lender
further covenant and agree that Section 6 and 8 of the Security Instrument are deleted and are replaced by
the following:
6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second
home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at
all times, and shall not subject the Property to any timesharing or other shared ownership
arrangement or to any rental pool or agreement that requires Borrower either to rent the
Property or give a management firm or any other person any control over the occupancy or use
of the Property.
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 second home.
BY SIGNING BELOW, Borrower accepts ,tiyd agrees to the terms and provisions contained in this
Second Home Rider.
SUSAN G ANDERSON:'
.<7
V. REESANDERSON
691
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
LOAN NO: 0050050723
MULTISTATE SECOND HOME RIDER Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
FORM 3890 3/99 I.T. 10/99 (page 1 of 1 pages) RMS1SEC