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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 and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note.
2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to
Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes
and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments
or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums,
if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with
the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items."
Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally
related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of
1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. "RESPA unless another law that applies to the Funds
sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount.
Lender may 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 such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the
Escrow Items. Lender may 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. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service
used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or
applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds.
Borrower and Lender may 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, 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 all sums secured by this Security Instrument.
If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower
for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any
time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower
shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than
twelve monthly payments, at Lender's sole discretion.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale
of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by
this Security Instrument.
3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs
1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2;
third, to interest due; fourth, to principal due; and last, to any late charges due under the Note.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property
which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay
these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly
to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph.
If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments.
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; (b) contests in good faith the lien
by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the
enforcement of the lien; 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 may attain priority over
this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or
more of the actions set forth above within 10 days of the giving of notice.
-6R(WY) (9212).01
Page 2 of 6
Form 3051 9/90
Initial
9 io e6ed LO IZ6) (AM)a9
06/6 0E waoj
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01 pasuao 10 pasdsi 0$e1an00 aoue1nsut 0141 uagm lam0n011 i(q pied 2utaq m nuald aouelnsut 13auotu iCj1EaA aLi1 ;o t1131am1 -auo
01 jenba tuns u mum goes iapual 01 iCsd imp lamonog `ai(Wjrens 1011 sr 02e.10no3 aouslnsut a2E2uout luaientnba iijjsu1u51sgns
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am or ivaiunrnba Aljutluulsgns moo u 1E papa ui i(jsnotnald aoueinsur a2u5uotu aril of luaienrnba Ajjmiuslsgns a2el0n00 utuigo
of pairnbaz stunruzald 0141 Asd imp lamonog 100330 ut aq o1 soma 10 sasdsl rapua7 Aq palrnbal a1Uanoo aousmsul agarroWt
atp `uosual /(11u ao; 'Jr •10a ;a ut aouelnsur a2e2uouz °t(1 umuiEui of pazrnbas summzald 0qi Rud Hugs 1am0n0g `111aUm11sUI
41113n sigl pamoas UEOJ 0143 5upp uz jo uotupuoo E se aouelnsut a2u2llotu pannbat .zapua' ;l •aaugansui 32833aojtj •g
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am mar 1sa1a1ut Iraq hugs siunouzs asap luaui&1?d jo mum aaglo of aaar .tapua7 pus aamonog ssajun •luatun12suj i U1UOas
sup sq pamoas 1amo11og ;o lgap muomppe amooaq hugs L gdul2uled srm lapun lapuari Aq pasmgsrp siunouiu Airy
•os op or anvil 1011 saop .tapuai `L
gds1 1?n?d sup iapun uoioe a}js1 Amu aapua-i t notiiiy •sirsd°1 a3jsuz o1 Ailadold 0 p uo guualua par saa; ,s,Caulou5 ajgeuoseai
gur(Ed '11noo ur &uueadde `luatutulsui hsnoas srgi aano iiluoud seq gorgm uari u Aq pamoas sums ifue 3urhd apniour
Amu suorloe s,lapua-1 filmdom am to swap s pus Ailadold alp jo anion 0 p 3Oaiold o1 dlussaoau sr Jana2Egm ao3 iced
pus op Arm .zapuaJ uagl `(suol1Einga1 10 &WET 0010;110 of 10 atnita ;.to; .to uopuuuzapuoo Jo; `a2Ego1d `Aoidn1)iu1q ur 2urpaaoo1d
u su Lions) Auadold 0141 ur 51Li3u s 1003311 Apurorn is )(suz rum 2urpaa0old Taal E sr mom ao luatutuisui hmoas sup
111 paumsiuo0 s1Uatuaa1;iu puu sluuuanoo 0141 uuo;iad of sirE; 1amonog ;l •,fi tado.zd aq; ut s;qj seaapuari 3o uolpOa;oad L
lutulm u11aa1auz am of saaaE lapua-i salon anal 1011 iregs arm oar 011 pur Piogasual
am `Auadold am 01 ai1r1 aaj saztnbor iamoiiog 31 •aseaj atp jo suorsino1d at(l Iiu qqm ,(jdutoo Irrgs lamonog 'Notional
5 uo st 1UaW11SUi hanoas sup jr •aouaprsa1 iedrourtd a se ,Cuadoad agl ;o Xouedn000 s,iamoitog 2urulaouoo suotlsivasalda1 `01
palnurj 1ou lnq `Vurpniour `a2oi4 aip h paouaprna mot am pm uormauuoo ut (uopurio;ur isualsuz Aus gum .tapuaj apinold 01
palm; Jo) lapua- 01 sivatualeis JO uorisuuo;ur alsmoosur so 0535; Aiterlaletu ans5 `ssaoold uorl1Oridd1 Usoi aq1 Surinp `10m01.10H
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isrla1etu 101410 10 Auadold am 111 isalaiul s am 3o atnira;ao; sapnjoald `uotluumualap tumj pool s,iapuaj 111 `imp
5uritu u gum passrtustp aq uipaaoozd s0 uollou 0111 2utsn5O `g j gddauaud 111 papptoid se `a1Elsurai pue 1inE ;ap u Lions a.mo
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ammo alnita ;lo; ur 11nsa1 moo luaut2pnl dire; pool s,lapurr ut rum un2ag Si `juurtu110 10 unto 1atjlagm `gurpaaooad 10 Uotl0e
alnila ;lo; At s Jr 1jfE;ap ur aq limp Jamonog •A11ado1d amt uo a1sum *mum 10 'aleloualap o1 Al.ad01d 0141 moo `Arradold
0141 11Edtut 10 aEUrep `iioalsap 1ou flogs aamonog •1011U00 s puoSaq are gourm ISixa saoUElsumoato ;Iur2Enualxa
ssajun 10 `piagLillm'Ciquuossalun aq 1011 Hugs 111051100 Li01gm `$organ ur 50013E asrmaamo 1apual ssaiun `/(0uEdn00o ;o amp 0141
raise aEaiC auo mar 111 103 aouaprsaa jsdiouud s,aamonoq se Auado1d 0143 iidn000 of anurluoo Hugs puu luatutuisui Altanoas sUgl
3o uotlnoaxa agi 001;5 sICEp iC1xrs 111g11m a0uaprsal judtouud s,1am0n0g SE iC110do1d 0111 asn put 'gsriquisa `e(dn000 Hugs lamonog
•spiogasso :uolluorjddy unori mamoaaog flaadoad ag13o uol;0aload pug a0ugua;ulsy\j 'uorlenasaad 'AoundnooO •9
•uotltstnbOR am olloud iija1ElpaUztul
luatutulsul Alun0as sup eCq paln0as sums ammo wawa am or 1apuai o1 seed Hugs uotitstnbou am 01 loud Alladold am 01 a35tusp
tuo1; 3utljnsal spaaooad pus saiogod aouulnsut Au or 211311 s,lamonog `lapua-i (q paarnboe st IClaadoad 041 j gduaSEaed
1apun ;I •s1Ua1U1isd 0141 ;o iunoute 0141 a3uugo 10 z pue i sgds13eiud 11101 papa ;al sluauz (Ed djgiu0t11 0Lii Jo amp anp am auodisod
10 puma ;ou Hugs iudlouud or spaaoold ;o uonsorjdds hr `Surinam u1 aaa3s asrnuaglo aamonog pus Japuai ssaiufi
•11ant3 sr aOtlou 0141 uagm ur3aq 'gm pouad ,Cep -p£ ata anp tram IOU 10 1a4lat(m `luatutulsul iC1r1n0as sup iCq paan0as
stuns Cud or so Auadold amt aroma' 10 lredal 01 spaaoold agi asn ism lapuo •spaaoold aousmsur 0Lii 1003100 Arm aapua'I
tram `tulsj0 E ajuas o1 pa1a; ;o sEg 1arneo aouSansur 0141151(11apua-1 tuna; aorlou a sIfep p£ urgirm aamsue 10u saop a0 `AUadoad
agl suopusgs lamonog 3I •10M0n0g of pled 5500x0 Auu glrm `anp tram 1011 10 lat(iagm luaunulsui ,C1jn0as sup Aq paln0as
stuns am 01 parjddu aq lime spaaoold aOUEmsur 0141 `pauassaj aq mom A1un0as s,lapua-1 10 ajgrsEa; Armoruzoua0a 1011 sr 115(101
10110 11 51 01501 0141 •pauassai 1ou sr i(1jnOas s pus ajgrsea; AHeonuouooa Si .115C10.1 10 uo11E1oisal 011131 `pa3etuEp Auadold
alp Jo 115da1 10 uor151oisal of patjdde aq i15gs spaaooid a0uE1nsu1 '3uptim 111 00135 astmlaLilo 1am0nog pus lapua1 salon
•1amonog iiq Ajldtuold apEtu loo ;t ssoj ;o paid aal5tu Amu aapua1
•1apua1 pus 1011150 a0ue1nsul am of a0110u iduzo1d anti IIegs 1amonog 'ssoj ;o loan° 0141 ur •saOrlou (maual pus stunmzald pred
jo sid(0001 1i51apuari of an13 ipdtuoid jjugs a0m0110g `soiinbai aapuaZ;i •s(Emaual Puy salogiod am plot( or 1g3!1 am anug Hugs
lapua1 •asnujo a3u3uouz pmpueis u amour hugs pus Iapua1 o1 ajgsidaoos aq Hugs sjEmaual pus sarorjod a0uslnsur Iry
L gd513s15d girm a0uEplo0oE 111 ifuadold alp ur sig311 s,aapua'l loalold or a351ano0 urslgo `uolldo
s,lapUarl 111 'qua' 1apU0 `anoqu pagilosap a351ano0 timu15tU of Situ; Jamonog Jr •pjaggqm XjgEUosea1un aq 1011 HEgs Li0(Lim
jEnoldd5 s 01 lOafgns 1amo11og ,(q Ua5011O aq j1Egs a0u51nsul 0111 3Uipinold 1011150 aoUUnstit atu, •sannbai lapua1 rum
spollad 014110; pus 5111n0tU5 agl u1 paurelUTEm aq Imp aousinsul sltil •aous1nsun salinbal lapua' Li0rtrm 10; &u1)00H 10 spoon
utpnf0ul 'sprung 101410 Aus pus „a3E1ano0 papuaixa„ 111101 agi Uigi1m papnjOU! Spluzsg `0111 Itq Ss0j lsuru3e palnsut Auadold
0141 110 p010010 101;sa1ag 10 3urisixa moo sluauzanoadtut agi dam jl5gs 1am0110g •aausansui eflladoad ao paszsg •s
T ^7
909W-A0
822
payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period
that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay
the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage
insurance ends in accordance with any written agreement between Borrower and Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give
Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any
condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and
shall be paid to Lender.
In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair
market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this
Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by
this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total
amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately
before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair
market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the
taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the 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 condemnor offers to make an
award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given,
Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums
secured by this Security Instrument, whether or not then due.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments.
11. 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 any successor in interest of Borrower shall
not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to
commence proceedings against any successor in interest or 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 Borrower's
successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the
exercise of any right or remedy.
12. Successors and Assigns Bound; Joint and Several Liability; Co- signers. The covenants and agreements of this
Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of
paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security
Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that
Borrower'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 may agree to extend, modify, forbear or
make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent.
13. Loan Charges. If the loan secured by this Security Instrument 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 under the Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing
it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address
or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to
Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this
Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph.
15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the
jurisdiction in which the Property is located. 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. To this end the provisions of this Security Instrument and the Note are declared
to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
02) (9212).01
Page 4 of 6
06/6 690fi WJOj
9 ;o g e6ed
LO Lz6) (AM)a9 effp
o; ales all; jo aapou ant2 Hulls aapua7 .mei aigeaudde qmatt aaunp.ioaae U1 ;uaaa33tp 31 'd ;aadoad all; jo uotssassod
ut uosaad all; o; puts .10M0ia011 o; asopaao3 0; maw! 3o aotlou 011!3 pegs aapua' 'ales 3o aamod all; salonut aapua' 3I
•aauaptna aim 3o moo pun saa3 ,sdaulofe aigeuosuaa 'o;
pa;turtl ;oa ;nq lutpnput 'iz gdgaaeaed sits; ut papinoad satpautaa aq; gumsand ut paaanaU! sasuadxa He ;aaioa o; poi ;l ;ua
aq Begs aapua•I •Mel aignaildde dq pa ;tuuad satpat uaa aaq ;o due pue ales jo aamod all; ajonui Sum pun punuiap aaglan3
;nog ;im ;uatunAsuI c;unoas spy cq pampas sums iii jo iln3 ut ;uauzded aletpaunut aambaa Amu 'uopdo slt ;e 'aapuai
'aotlou all; ut pawaads alup all; aaojaq 10 uo pains ;ou st ;inejap all; 3I *ales pue uopeaaiaaas o; aamoaaog jo asuajap
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(�ry
i L✓ 1
O b860Ci
Borrower in the manner provided in paragraph 14. 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.
22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument
without charge to Borrower. Borrower shall pay any recordation costs.
23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtesy and
dower in the Property.
24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this
Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement
the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument.
[Check applicable box(es)]
7 Adjustable Rate Rider l 1 Condominium Rider 1 1 1 -4 Family Rider
n Graduated Payment Rider 1 1 Planned Unit Development Rider 1 1 Biweekly Payment Rider
1 Balloon Rider P1 Rate Improvement Rider 1 1 Second Home Rider
V.A. Rider Other(s) [specify]
11
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and
in any rider(s) executed by Borrower and recorded with it.
Witnesses: i iL /f/!�
(Seal)
H CRAFT Borrower
STATE OF WYOMING, IiI7M2(
My Commission Expires: 9/12/03
CSO -6R(WY) (9212).01
(Seal)
Borrower
Page 6 of 6
by JOHN H CRAFT AND SUSAN L CRAFT, HUSBAND AND WIFE
Yea eL
SUSAN L CRAFT
Teton County ss:
The foregoing instrument was acknowledged before me this 25th day of September, 2000
Notary Public
(Seal)
Borrower
(Seal)
Borrower
Form 3051 9/90