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HomeMy WebLinkAbout868615WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0050050053 DEFINITIONS 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 21 2000 together with all Riders to this document. (B) "Borrower" is LAMONT LUND JOHNSON and DEBORAH KAY JOHNSON, 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 Amer 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 21, 2000 The Note states that Borrower owes Lender Seventy —Five Thousand, Nine Hundred Ninety and No /100 Dollars (U.S. 75 990.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than September 1 2031 (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. i I.T. 9 /00 I I A Space Above This Line For Recording Data u II MORTGAGE i 868615 RECEIVED 452 846 BOOK _PR PAGE__ Initials Initials WYOMING-Single Family Fannie Mae/Froddle Mac UNIFORM INSTRUMENT Form 3051 3/99 (page 1 of 15 pages) i `ljl';I MWYOICV (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: 0 0 5 0 05 0 0 53 Condominium Rider 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. (IQ "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. f 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 YOMINQ- Single Family Fannie Mae /Freddie Mac UNIFORM INSTRUMENT FSB 08/00 'ale) (Initials) El Second Home Rider Other(s) MORTGAGE RIDER 84 1 Mortgage Insurance Rider Form 3061 3/99 (page 2 of 15 pages) MWYO2CV AMBOAMV (seed g Jog eyed) 66/6 MN ward ooi '1'1 INHYIIny1SNI INtlodINn OVW eIPPaad eiti SlutnA--A wed eloUls-wWOAM £500500500 %lequ /nN ueoi •1aJsug11, spun otuolloalg (p) so Alpua 10 `Suleuauutulsut `Xouau lulapa3 g Xq palnsut AIR slisodap asogm uoilnlpsut uu uodn umulp si Aoauo guns Sur papinold 'vow s 10 ratio s,l `xoauo }lugq `joauo pat3Plao (o) '1apmo Aauout (q) `gsgo (g) :lapuaZ Aq paloalas sr `suuo3 5ut■ollo3 otp 3o aloui so auo ut apgui oq Iuauttulsul Alunoas sup pug aiorl oip lapun anp sluautiCud Iuanbasgns nu 10 Aug leg! aitnbaz Agut iapuo l `ptudun lapua7 0l paultgal 51 Iuauitulsul Animas sm 10 a30M atll lapun luatuAud sr lapua-1 Aq paniaoal Iuatunllsut zagpo 10 )100110 Are 3t `lanamoH •A0uaun0 •s•n ui aputu aq Bugs Iuauttulsul ,ClunOas sup pug a30N atll Japan anp sluatuArd uopoas o1 luuns ind slum! molosg 103 spunj Agd °sir !lugs lamouog •aloN atll lapun anp soliegO algl puu sa5lguo Iuautdgdald Auu puu aloN auI Aq paouap!Aa Igap alp `uo Isamu! pug `3o lediouud alp anp uaum ,Cud Hulls lamouog •sa8angO awl pun 'sa2.n qO ;uawSndaad 'sum nto.z0sg 'asa ialuI 'Igdpui id 30 1uaw,fnd j :smollo3 su aa1Tu put Iuuaanoo lapual puu 1amo11og •SINVNaAOO IARIOtdINfl •Alladold poi 211p0A00 luautiulsut AnamOas uuo31un i alnlpsuoo oI uopoipsunf Aq suot uurn paliwq 1im sluguanoo uuo31un -uou puu asn Iuuotluu 103 sluguanoo uuo3Tun smut A,LRIn3as SIH,L •plooaz 3o soouulqutnoua i(ug oI loofgns `spur uiap puu suti1JO 11r Isutuau iClladold a p oI apt! atp Allglauag puajap TWA pug slugugm lamouog •p.ioOaa 3o saouglqutnoua 103 ldaoxa `palagwnouaun ST Auadold atp leg) pug Auadold a111 Aanuoo pug Iug1ff `o2r5uout o1 may a1J3 sgg pug pa/Co /woo /Cgalau amp 0111 3o pastas AIln3mul st lamouog Iggl SZNVNlAOO 2I2MO211I0g „•Sliado.id„ otp sr luatutulsul Slumps still ut 01 pauaJai st 5uto5alo3 atp 3o !Id •Iuautnllsul Animas sup Aq palanoo aq oslg Imp suopippe pug sluatuaogldal uv •Alladold a p 3o um' g 1a13ga1aj 10 moo salnlxg pug `saouguaunddg `sluatuasga TIE pug `AUadold alp uo par= 1a33ga1au 10 mou sluautanolduit 01 11 Iiu HIIM 2IIHJ2DOI '9NINNI938 d0 1NIOd 3H1 01 1334 Z8'09Z A131VNIXOdddV d0 3ONV1SI0 V '3NI1H31N30 OIVS ISV1 9N01V A183H1HON 30N3H1 !1334 8Z'L9L '1S3M 3ON3H1 !1334 Z8 'H1flOS 30N3H1 !1334 8Z'L91. d0 3ONVJSI0 V 'V /1.3S OIVS d0 3NI1 H11ON 3H1 9N01V '3 .0I .85 5338930 68 N ONINNf1H 30N3H1 =Z£L 'ON OVOH A1N1100 NI 0S1V 9NI38 'NOI.O3S OIVS d0 HMNd0O H31HVflb HIND 381 1V ONfOd 1N3WfNOW 3dld NOHI NV 1V 9NINNI938 :S801101 SV 0381110S30 A1HV1f10IIHVd 3808 9NI38 9NIWOAM 'A.N000 N100NI1 ''W'd 819 3H1 d0 861.1.8 NEE1 'S£ NOI133S d0 P /L3SP /LMN 381 d0 1HVd [uopotpsun f 2utp1oOa2I 3o atugisl] [uoiloipsunr 8utplooag 3o adAy] Ni 00N I 1 3° AZNf10O a p ui palgool Auadold paquosap ;lutmollo3 aip `ales 30 lamod gli■ `su8tssg pug slossaoons s,lapua-1 pug lapuoi 01 ICanuoO puu utrJ2 `affg;l>.iout Agalau 3 ssaippd iivadold,, [IaazlS] [d!Z] l L L 8 �u?moXM 3NV1 NO.IOM 8ZP [AID] NHl8flV 3o ssalppe alp sgg ,Cpuallno tp!gm 8 i3 %i 849 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 Loan Number: 0050050053 WYOMING-Single Family-- Fennle Mee/Fnddle Mee UNIFORM INSTRUMENT I.T. 3/00 .itials Initials ono 9051 9/99 (page 4 of 15 pages) MWYO4CV AOSOAMW (se5ed gl 10 g eoed) eas isos w,od 0c.i8 00 /e •1•I 1N31/MISNI WIIOdINf oew 01PPS,4/eew eluued--Nlumj eleu!S-ONIWOAM £500500900 ue01 ig2ai `ut uati aq3 jo luauiaOJO3ua isut>;gz spuajap Jo 'fig qiu j pooR ut uoq am sisaluoo (q) `.luatuaaar gons &imu03Jad st JOPAO.uog sr 5uoi os Apo 1nq `Japua'i of aigmldaoor Jauugax m ut uati alp Aq paznoas uotliStigo otp jo luauiAmd am 01 guptJM ui saarffg (g) :JOMOJJOg ssajun luaumilsui *moos s1111 JOA0 1C1U0ud SUIT tPt11M uaq Aug o5Jrgosip ApdmoJd Ergs JamoJJOg uoiloos ut paptnOJd zauuufu 0111 ui magi Aud iiggs JOMOJJOg `Sivall MoJosg aJg sumalt asap 111111 lualxa gip o j -Auu 3i `sluaulssassy pug `soo `sang uotlgtoossy iCltunuuuo3 pug `dum 3i `MuadoJd agl 110 sluaJ punoa Jo sluomArd piogasuai luauinJlsuj Alpnoas soil JOn0 Aluoud uimllg ugo goigm A1Jadoid aip o1 aiqulnqullg suoptsoduu pug `soup `saaiugo `sluamssassg `saxu3 iiggs Jamoiiog •sua4Z '.sa2ae •Japua'i Aq piaq spung Aug J2MO11og o1 panjaJ ,Cilduioid iiggs Japua-i `luauuu1sui iC3unoas st111 Aq paznoas sums iiu jo 44113 ut luauIi d uodn •s1uauiCgd Ammon' aniaM2 ugg3 WOW OU Ui mg `ydS RI IpiM 00u0p1000r ut Aoriatogap aip do 031gni 01 iCigssaoau lunom am zapual of hd Timis JamoJJOg pug `ydSa i Aq paJtnbaJ sr JamoiJOg 4pou nulls Japuaj `ydsg?i JOpun pauiiap sr `MOJOSO in molt spund jo douatogap g st omm jI •sluauiAmd Aitluom anioM) umti aioui ou ut 1nq `ydsg2l mint aougpz000i It! affmuogs oip do 03igu1 01 £i ssaoau lunoulm atl Japua of XEd hugs JOMOIJOg pug `ydsau Aq paJtnbaJ Su JOMOJJOg fjpou iiggs Japua'i `ydSgu Japan paugap sg `MOJOSO ui Nag spun 3o aReliogs g st atom 3I •ydSg2l g1TM aouupa000g ut spunj ssaoxa at1 Joj Jamoiiog of luno0om Huts Japua-I `ydS32I Japan paugap sg `AtOJOSO ai moil spend 3o snjdins g si atom 3I 'yam' Sq PannbaJ sg spung all 30 2upunooOg imnuum um `aaJggO lnogltm `JamoJJOg 01 antR iiggs Japuaj spung ail uo ptmd aq IIu11s Isamalu! lggl `Janamot `WupTJM ui aaJ$m ugo Japua'I pug JOM0JJ0g •spunj aq3 uo s$uti ugo JO 1S0J01111 Alm JOMonog Agd o1 paztnbai oq lou jimgs Japuol 'spud 0111 uo turd oq 01 Isamu! saIinbaJ Awl aiquogddy Jo 2ut3T1M ui apuui Si luaumaath 1111 ssoluji •OffJggo g Ions 031t111 03 Japua'i sltuuad mg-j aig1Otiddy pug spun 0 p uo 1S0J01ut JOMOJJOg shd Japua-I ssaiun `suiali Mo1OSg 0111 $U !Jan Jo luno00g mama ail 5u1ZiCigag iJtgnuug `Spend 0143 $utAidde pug 2utpioq 10j Jamo1JOg 0R1g110 1011 hugs Japuol ydsaN Japan pagtoods alup alp imp Jowl ou 51ua1I mama aq3 Agd o1 spung 0113 Aiddg 1iggs Japaal •3iumg ugo'' au10i-I popa Aug ut Jo (paznsut os OJg sltsodap asogM uotlnlpsut uu st Japua'i 3i `Japua'i guipnioul) Alpua Jo `AmE1Uatutu1sui `,Coua2r T11ap0j ponsut 0Jg sltsodap osotim uopnitlsut um ut piaq oq Tiugs spung aq1 aigg0tiddy gum aougpi000g ai asimmtpo Jo SWO1J Mama aminf jo sainitpuadxa jo salmlapsa aigquosgai pug ulup maim jo sisuq 0143 uo anp spung jo 31111011411 aq3 0luaipsa iiggs Japua'i •ydSg2i Japan aitnbaJ ugo Japuai g lunouim utnugxuul alp pa00xa Ol 1011 (Z) Pug VdS 1U Japan p0i,Tt0ads amp 0111 111 spun) otp Aiiddg O1 Japua'i ltuuad of luatOi,33ns (I) matron ug ui spend pioq pug 3001100 `amp Atm lg 'Arm Japu0-i uot3OOs 51113 Japan poi1nbai uagl 011 lg p `slunomr lions ut pug `spung iig Japua-i 01 Amd ins JaMO11Og `u013g0onaI gons uodn `pug 51 uoi1O0S g31M a0UmpJ000m ui u0ni5 a0130u m iq amp Mug 111 SUia1i MOJOSg 10 JO AUE o1 SE JOAIEM 0111 0110n0I (1Uu Japu01 •1un01ug gons AU1 Japuol 0 2CmdaI o1 6 uot3O0S Japan palm2ggo act u01p Timis JaMOJJOg pug lunoulg gons /Cgd pug 6 u01300S Japan 6113 3J Sri aSIOIOxa Amur Japua'i `Mall M0J0sg um 10j anp 111111011 am 2(md 03 s3re3 JaMOJJOg pug `Jant1M m 01 lugnslnd `6p001ip mall Mo1OSg ,Cmd o1 pal1Wggo st J0MOJJ0g 3I •6 u ui pasn st „1u0UIa0J2e pug 3uguanoO„ as1Jgd 0143 se luaul1Ulsul 2lunOas stt43 ut pautmlu00 luaut00Jag pug 11IEUOA03 g aq of powoop oq sasod ld iig Joj fggs 53d1000J aptnoJd 01 put sluaui2Cgd lions 03[mU1 01 uopm2gg0 s,Jamo.JOg •aimbat Arm Japua'j sr potuad aulp gons utgltm 1ua1u2gd tons &uiouaptna sld1a0a1 Japua'I o1 11stumli nuts `501tnb01 Japual ji `pug Japua-j 2Cq pantgm uooq sgg spend jo luaui2gd goigM Joj moll MOJOSg Cum Joj anp slunoium 0111 `aigg2gd 0101M p1g uagt `2pooitp ,Cmd Hulls Jamolog `Jani1M 130115 JO .3110110 0141 III u11UM ui oq ARM JOni1M gons OSCS j j 851 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: 0050050053 WYOMtNOSinple Family-Fannie Mae/Fraddie Mae UNIFORM INSTRUMENT I.T. 3/00 orm 3051 3/99 (page 6 of 15 pages) MWYO6CV AOLOAMW (seBed 9L 10 L eyed) sett ten uuoe 00/6 •1•I 1N3WfItl1SNI ritioA Nf *WW NPPNNIMNI *tumid -Apum f eleuIS-ONIWOAM £500500500 :JaquJnN ueo1 °asneo aigeuosraz cans 5utX3ioads uopoadsut zoualut ur lions o3 zoud JO JO aurp 0 13p yg a013OU zaMOZZOg an1S Ilegs zapu'I •duadozd aqi uo s3uauranozduzr aqy jo zoua3ur alp ioadsui X w zapuaj `asneo aigeuosraz srq It 3I •'ivadozd alp jo suopoadsut pug uodn sau2ua aiggaoseaz alum "tear 3ua5r sat JO zapua-1 •uopezoysaz zo ztedaz lions 3o uoilaiduroo all zo3 uop15iigo s,zamozzog JO panagaz 3011 st zamozzog `/CUadozd aq3 azoysaz JO ztedaz o; luatorjjns 3 O aze spaaoozd uopeu11rapuoo JO a oueznsut all 3i •payaiduroo st OM alp se mallard ssaz2ozd jo sauas a ut zo 3uaurked aiSuts a ui uopezolsaz pue sztgdaz all zoj spaaoozd aszngsip Aguz zapuaq •sasodznd lions 1oj spaaoozd paseaiaz snit zapua- ai Xiuo XUadozd aq3 5urzolsaz JO 5uuredaz zoj aigisuodsaz aq Hugs zamozzog `Xuadozd aril `3o 2uppi all JO `03 aggurgp gltm uopoauuoo ui pied PIE spaaoozd uopeuurapuoo JO aoueznsui 3I •a�rtuep zo uopezoualap zarp1n; ptong of pa5rumep j Ifuadozd aqy ziedaz Xpdurozd Begs zamozzog `auliSea3 Allroturouooa you st uot3ezo3saz zo ztldaz legs S uonoas of luens1nd paumuapap st 3t ssaiun •uouipuoo sit of anp amen lit 2uisrazoap JO &upgzot1a3ap uroz3 if31ado1d alp 3u0na1d of 14110 lit Xuadozd aqy uieniuur iiegs zamozzog `Xuadozd 3l lit guipisaz st zamozzog you JO zagpagm •XUadozd aq3 uo alsrm 3inraroo JO algzouaiap of Auadozd all moue `Auadozd all ztedurt JO aBrurgp `X013sap mu hugs JO/410110E suoilaadsuI tSpado rd alp jo uoi ;oa;o rd pue aoueua ;upgj 'uor;1AJasaad •L •ioz1uoo s,zamozzog puoXaq aze gotgm 3spra saoue3sumozro Srupenua3xa ssaiun zo `piall3TM Aigeuoseazun aq aou !Imp 3uasuoo goigM IupuM ur saaag astmzaglo Iapua- ssaiun `Xourdn000 Jo amp aT I zal ;e zeaX auo lseai le 10J aouapisaz iedtouud mamozzog sg ,Clzadozd all iCdn000 oy anupuo0 pegs pue luauznzlsui X3unoas suit 3o uonnoaxa am zaymg sXep iClxIs urg1JM aouapisaz iedtouud s,zamozzog se Xuadozd al3 asn pug `gsiigeysa `Xdn000 Begs zamozzog •ifouednoZO •9 •anp uag3 you zo 1amagm 'mammal ff3unoas sup 10 a3oN alp zapun piedun s3unour11 fed of zo Xuadozd all azolsaz zo zuudaz of zag3ta spaaoozd aoueznsui aq3 asn Arm zapuaZ •Xlzado1d all 3o a2rJan00 alp 03 aigeoiidde aze sul2u lions se zrjosur `Xuadozd aq3 5uuan0o saroiiod aoueznsui iii zapun (zamozzog pied sranturazd pau1gaun jo punjaz Niue o3 31J 1 aq3 ugly 131130) s,zamozzog 3o 131430 /cue (Z) pue `3uarUnz3sui Xlunoas sup JO OWN aria zapun piedun s3unourg alp paaox3 02 you moult lie lit spaaoozd aougznsut X1111 Ol small s,zamozzog (i) zapuag o3 sufftssr iCgazaq zamozzog `astmzagyo JO ZZ uopoas zapun Xuadozd alp sazinboe zapua-i 3i JO `luana zaglta ui •uant5 st 303 alp !IOWA pouad i(ep -p£ ata -amp alp ailnas pug a3epoffau Arm zapuaq 113113 'urteio a aims o3 pazajj0 seq 1auzgo aougznsai alit' 31133 zapua-1 uroz3 aopou 11 oy sap OE UIIj1TM puodsaz 3011 saop zamozzog 313 •sza33errr palrjaz pug uri11io aoueznsut aiggiteng apyas pug a3epoSau `air, X11m zapua-i `Xuadozd alp suopuege zamozzog 3I •z uopoas ur zoj papinozd 1apzo alp ur paiidd11 aq iiegs spaaoozd aoueznsut gonS •zamozzog of pIrd `Au11 ;t `ssaoxa all rilTM `anp mall aou JO zagpagm luaunuysul ,Clunoas sup Aq paznoas sums aql oy paiidde aq nulls spaaoozd aoueznsut all `pauassai aq pinoM if3unoas s,zapuari zo aigtseaj Aiigoiurouooa you st it' daz zo uop1zo3saz alp 3I •zamozzog ;o uopr2ggo aios 3113 aq II pug spaaoozd aougznsui all jo 3110 pled aq you Ilegs zamozzog Xq paup iaz 'sound pzigl zaglo zo `sza3snfp11 otignd zoj saad •spaaoozd lions uo sguiu1e0 JO 3sazalut Cue zamozzog Agd of pazrnbaz aq 3011 lints zapua-i `spaaoozd aou11znsut lions uo pied aq of lsaza3ut sazmbaz mg-i aigeotiddy JO Bupum lit ap11ur st 3uauraaag 1111 ssaluli •payaiduuoo si IIzoM alp se s3uaur&11d ssaz2ozd jo sauas a lit zo 3uaru1ied aiWuts g lit uopezo3saz pug szigdaz all zoj spaaoozd aszngsip Crum zapua-j 11alruapun aq lints uopoadsui lions 311133 paptnozd `uopo113spes s,zapua-i of pa3aidmoo uaaq seg )izoM alp a1nsua o3 ,fuadozd lions loadsur o3 A3iunuoddo 1111 p11q s1113 zapua1 plun spaaoozd aoueznsut lions moil 03 3q41 alp 3A1113 ii1gs zapuari `pouad uop11zo3saz pue zredaz ions 2uun( •pauassai aou st 13unoas s,zapua-i FIE aigrsraj iClieoiurouooa st zredaz .10 uot311zo3saz alp 08f 8 11.5 853 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: 0050050053 WYOMING Single Family-- Fannie Mae/Freddie Mee UNIFORM INSTRUMENT I.T. 3/00 Form 3051 3/99 (page 8 of 15 pages) MWYOBCV AO6OAMW (se5ed 9L !0 6 °Bed) ss/s isos wioa oo /E •1'1 1N3WfU1SNI WHOAINIl ORYI MPP J /"Y( quueu-- Allured elbuISDNIWOAM E500500SOO :JegwnN ue0� tuteio g aims of pzemg ug a3ietu of szapjo (aouatuas ixau alp 11t pautjap se) dazed grnsoddp alp 3etp zamonog of zapua'i Aq aopou zaiue 4t zo `zamonog Ag pauopuege si A3adozd agi 3I •anp uatp aze stuns alp Sou JO z011101IM 3uaumz3sUi A3iznoas sue Aq paznoas sums alp of pond& aq hugs spaaoozd snoauefaOSiN art `gupTM 111 aazge asIMZaTpo zapua-i pup lamonog ssaiun `amen ut ssoi JO `uottotuisap `gupte3 ietued alp azopaq Aia3etpatuun pamoas sums alp 3o 3unoTUe alp trip ssai st amen ut ssoi zo `uopotulsap gupiei ietued alp azojaq Aiawetpaunut Auadozd alp 3o amen ia3izetu zie3 alp goigm ut A3zadozd alp 3o amen ut SSOJ 10 `uopotuisap `gupie3 iepzed a 3o ivana alp ui •zamonog o; pied aq hers aoueieq Auy amen ut ssoi JO `uoponzisap 'gum iepzed alp azo ;aq Aia3etpauttut Auadozd alp 3o amen ia3iieui zte3 alp (q) Aq papinip amen ut ssOJ zo `uoponnsap `gui3p iepzed atp azojaq Alaimo paznoas sums alp jo 31.1f0TUe plot alp (e) :uopogz3 guimoiio3 alp Aq patidpinui spaaoozd snoaugiiaostyt alp 30 3uno1Ue alp Aq paonpaz aq hers tuatunz3sui A3pnoas spp Aq paznoas stuns alp `gupTM ut aazge asiMZarto zapua-i pug zamonog ssaiun `amen ut ssoi zo `uo13onz3sap `gupie3 iepzed alp aiojaq Ajaietpaunui tua1Unztsui Aiunoas site Aq paznoas stuns alp 30 3un0Ute If uetp z01E0J$ JO 03 ienba st amen ut ssoi zo `uopotuisap `guRrt opted agi azopaq Aia3etpaumq Auadozd alp 3o amen ta3tium zte; alp TionTi& in Auadozd alp ;o amen ui SSO[ JO `Uoponzisap &ut3iei ietued a jo mono aip ui •1 MOnog Oi pied 'Sur 3T `ssaoxa alp TpTM `anp uagi 30u z0 zaTpaitm `3uatunz3sui A3unoas site Aq paznoas sums alp of patiddp aq Tiers spaaoozd snoaueiiaostpAi alp `Atzadozd alp 3o amen ut ssoi JO `uoponzisap `gut3igi mot a JO 3uana alp ui •r uopoas ui zo3 papinozd zapzo alp ut pond& aq Tiers spaaoozd snoaueiiaosm lions •zamonog of pied 'Sur di `ssaoxa aip tpim `anp uaip 3011 JO zagiagm `ivaumzisui Aitznoas snp Aq panoas stuns alp of paiidde aq Begs spaaoozd snoaueiiaosm alp `pauassai aq pinom Aiunoas s,zapua-i zo aigiseaj Alieotttouooa 3011 st zipdaz zo uopezo3saz alp 3I •spaaoozd snoaueiiaosry%i bons uo S U1tUea JO Isaza3ut Sur zamonog Aed o3 pazinbaz aq 3011 Tiers zapual `spaaoozd snoaueiiaosq, Tons uo pied aq o3 Isazaiu! sazinbaz Me'1 aigpotiddy JO g1133i1M ut apetu st ivatuaazge ue ssaiuf •pa3aidttoo si 311OM alp se s3uaumAed ssazgozd 3o sauas g 113 10 ivatuaszngsip aiguts put uopezo3saz pup sztedaz alp zo3 Aed Arm zapua' •Apdutozd ua3imzapun aq Tiers uopoadsut lions 3eip papinozd `uopoejspes s,zapual o3 paiaidtuoo uaaq seii 3110M alp aznsua o3 Auadozd lions 3oadsut o3 A3tunuoddo ue peg set! zapuaj !pun spaaoozd snoaueiiaos1j lions pion o3 iggu alp aneq ipgs zapuai `pouad uopezoisaz pup ztedaz lions guunQ •pauassai 3011 si Anunoas s,zapual pug aigiseaj AiigottUOUOOa si ztedaz zo uopezoisaz alp 3i `A3ad0zd alp 3o ztedaz 10 11opgzo1sal 03 paiiddg aq hers spaaoozd snoaueiiaosi j lions `pageutep sT Auadozd alp 3I •zapual o3 pied aq hags pue o3 paugisse Along aze spaaoozd snoaueitaos!JAI iiy •aan31aJao3 tspaaaoad snoaueiiaosm Jo ;uauuuaissy •ii •a30M alp ui papinozd aiez atp 3g 3saza3ut Agd o3 uopegggo S JOMO1JOg sioa33e tit uopoas site ut guig3oN Me-i aigeotiddy Aq pazinbaz Si uot3euttuza3 spun JO uopeunata3 lions zo3 guipinozd zapua-i pug zamonog uaaM3aq 3uautaazge ua331JM Aue tpim aouepz000r 11t spua aoupznsui ageguoint zo; 3uautazinbaz s,zapual ag3 mull `anzasaz SSOI aigepunpaz -uou a apinozd 03 10 `3003 ;a ut aoueznsui atga3zow ute3utetu o3 pazinbaz sumtutazd alp Aed hers zamonog `aoueznsui agegUoyq zo3 stunt alp pzemo3 s3uatuAed pa2eugisap Aiatezedas arm 03 pazmbaz sem zam0110g pue ugo-i alp &m um 3o uot31puoo a se aoueznsui agegizow pazinbaz zapua'I 31 •aoueznsui age$uoj .ion stunttuaid alp pzemo3 s3uamAed pa3pugtsap Aia3ezedas sazinbaz zapua- pull `paute3go st `aigpitenp saumoaq utege zapua-1 Aq props zaznsui Ue Aq papinozd (sazinbaz zapuaj tern pouad alp zoj pup 3unoTUe atp in) agezanoo a oueznsui aggg310JA JT s3uamAed anzasaz ssoi azmbaz zagUoi ou ugo zapua-i Va8 Y;V..)S9f.=30 Obki 61. a 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: 0050050053 WYOMING Single Family— Fannla Mao/Freddie Mac UNIFORM INSTRUMENT 1.T. 3/00 Initials Initials 855 orm 3051 3/99 (page 10 of 15 pages) MWY1OCV AOI•IAMW (se6ed 51. {o L e6ed) era L90C w.F0 1 (sIeluul) (e f ui) 00/C '1'1 1N311fItl1SNI WHHOdINf *on e!PP J /een sluusj— 11luied e10u1 .ONIWOAM £S00S00900:aequ /nN u9O1 luaulntlsul /ilunoas sicp jo pue aloN am jo /Cdoo auo uana5 aq ins 1amo11og •,fdoD mamoaaog •Li •uopor Aug mpg of uopr2 lqo /Cur lnotpam uopalosap alos sang „/Teal„ prom aIp (E) pue `uS1 A aopt par tumid ail apnloua put maul Hugs 1rinauns ail ua sp1oM (Z) `zapua5 auauuuaj ail jo spuo/A Jo splom Jalnau 8uapuodsalloo apnput pue uuatu Ilrgs JapuoW auunoseai am jo spzoM (I) :luauinllsul /Ci sjq ua pasn sy •uoasInozd 3upoaguoo ail 1nolpam loa3ja uanT5 aq ueo goigA a1ON a"l 10 laatuntiSUT /Clalnpas sail 3o suoisinozd zaglo )oa33e loll hugs lo!T3uoo lions `Mrj aigeogddy Ipim slpgjuoo a1oN am 10 luatunllsuj /ilunoas sap jo asnrip 10 uoasan0ld Aug lap Juana all uT •lotlluoo /Cq luatuaalfft lsrr2r uoiaigtgozd t se panllsuoo aq iou Hugs mops ions lnq `molls aq igffnu u Jo 1pu11uop /(q aaJ2r of sound all moire /ipapidun 10 /Cptotldxa 1g2-pu meri algeotlddy •me-I algeotlddy jo Suopenum pug sluauiannbaJ /Cur o1 loafgns ale luatunlISUI /Clunoas saga ut pauatluoo suopeSggo pue slgffu Ily •paleoo! st /f1Jadold all "palm ua uopoIpsunf all jo mul ail pue mei imam /iq pauzano8 aq quits luatunllsaI /ulnas spa •uogana;suoj 3o wing '.,f;ITTgsaanas :MWJ Suivaa4OD •91 lulu t llsul Sumoas sate Japan luauiazmbal 2uapuodso.uoo ail /C3spus lliM luatuannbaz Mr-T algeotlddy ail `mer algeogddy Japan pannbas osje st luaumllsUI /C11znpas salt /Cq pannbal aopou /fur 31 •iopua-j /Cq panaa0az ATTrmor 'pun Japua- o1 uana5 wag antg 0l patuaap aq 1ou Ilrgs luaulnzlsul /iipnoas sail "lam uoil0auuop ua aopou /fay °1amoJJOg of aopou /Cq ssalppe Jatpoue pairuRtsap sug zapua' ssapm utazag palrls ssalppt s,zapua-I of Tau ssrlo lslg /Cq 1! WUijfll z Aq 10 1! 2utlantlap /Cq uana2 aq Ergs Japuo-T aopou Any •aunt auo /fur le luatunllsul /Clunoas sail Japan ssalppe aopou paluugtsap ouo /quo aq Arm wag' •alnpaoold pa!Ipads lull 'Tanana ssalppe jo auto u Modal /Clap Iltgs zaMOlzog uail `ssazppr jo aguego s,1oMOnog &ualzodal 103 alnpaoold t sat31oads zapua'i 31 •ssalppe jo our "p S,lamo11O jo Japuo' /CJTou /Cpdmozd imp zamoJJog •Japaa' of aopou /Cq ssazppr aopou alnlpsgns e paltagasap seq 1OMOJIOg ssalun ssaippy /Cuadozd a"i aq Iluls ssalppe aopou a "Z •asTMZatpo sonnbai /Cissaldxa mu-1 aigtouddy ssaian S1aMO11Og ur Ol aopou alnatlsuoo Ijt "s 10M0110g 0110 /Cue 01 0010M •sutatu Jatpo /Cq loos 3a ssalppe aopou s,1am011og oa pazan ATttnlor uagm 10 num sstip lsIU /iq paitetu uoum JaMOZJOg Ol uanla uooq one" 03 pump aq Bugs luau11:u3sul /Cl salt "lam uoppauuoo ua IOMOIIOH o1 aopou /Cty lu11UM ut aq 1snul luatunzIsUi /Clunpas sail qnm uopoou a00 ua Japua7 s0 Jamauog /iq uana2 saopou 11V •sao11°N •Si •0 1Rgplano lions jo 1110 5uasuu aim! 3gWilu 10M0J10g 110p0e JO 11121.1 /fur JO Jantum a alnlalsu00 Ti!M 1amo110g 03 luauldrd loanp /iq aprul punjoJ lions /Cue jo aoutldaooe s,lamollog (aIoN ail Japan 103 papanold sa a2JUup luaut/fedald a 1011 Jo =pap) afzego luamArdald /iuu inolliM luamArdald irpird g sr pomp aq TuM uop0npaz ail Itdlouud saonpaz pimp' t ;I •zamozzog of luaul/itd 1panp aupIttu /Cg 10 MN alp Japan pomp irdapuud ail 3uTOnpal /iq puma' sail a3leaz of asoogo /Cram Japua-I •Jamouog of papunjaz aq TIam slate" palnuuad papaaoxa goagM IamolJOg mon palpal100 /Cprazlt sums ,Cur (q) pug :ntu1T palntu od all 03 alorgo atp' oonpaz 01 /Czussaoau lunourt atp Act paonpaz aq Hugs a2Jugo uroj lions /Cue (r) :amp 'mum pallauuad all p000xa utoj ail glom u0p0auuoo ua palpalio0 aq 0l Jo palpallon sagirgo mar Jogio 10 lsoJoun ail 1rm os palazdzalut 1 iluag sa mu! lute put `s0Rleg0 urol Iununxeul slas gpt1M MrT r Ol 1pafgns sI utoJ a"1 3I mt-T alguogddy /Cq zo luatuntlsui /Clun0as sup Xq paltgauold /i1ssaldxa an lttp saa3 aff1u "p loo Arm Japual •aaj lions jo Rupltuo ail uo uoptgtgozd u se panllsuoO aq 1011 Titus zaMOJJOg Ol aa3 pa ;toads r a JE110 0l luaumIIsul /Clznpas sate ua /Cnloilne ssaidxa jo aouasqu ail `saa3 laglo /cut 01 p1r5a1 uI •saaj uopunitn par uopoadsaa 086861a 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: 0050050053 WYOMING-Single Family- -FannIe Maa/FreddIe Mae UNIFORM INSTRUMENT I.T. 3/00 onn 3051 3/99 (page 12 of 15 pages) MWY12CV AOCtAMW (se8ed gt Jo et eded) Ewe L9oe uuad S u (sIBlAuI) oo /E •1'I 1N3Wf1H1SNI WHOdINf! pew IIPPesomil eluuy Nlwej elBu!SDNIWOAM E S 0 0S OO S0 0: Je qui nN u dnurajj muotuuortnug Tie ioj zapua'[ uo uopraggo Cu e a ;eazo Timis uiazai Ruiq;oN •me'[ Tm ;uauzuozinug Sinn aoump000i ut suopoe Tetpaivaz ssaoau Hu air) AT3dumzd TTegs zamozzog `,Czmssaoau Si A;zadozd aTp gupoopu aoumisgns snopzeznH Cum 3o uoT ;rtpauiaz zai;o JO jnnotuaz iCue rip 'M ;zed a ;emid Aim JO `A;uoipne iizo ;ringaz zo Tr ;uauiuzano2 Cum Aq papi;ou sT zo `sutra! zamozzog 31 •A;zadozd aq2 jo awn aTp s;oa3jr Alaszanpr Tionim aourlsgns snopmrH a jo aseaiaz JO asn `aouasazd alp Aq pasnno uoiupuoo Cue pun `aoue3sgns snopzezeH ,Cue ;o aseaiaz 3o Temp JO asealaz `alzeiOStp `AupceaT `gugTTds Cum `o; pa ;TUig ;ou ;nq &uipnpun `uoT ;ipuoj Te;uauzuozinug /Cur (z) :aBpaimou31 Ten ;on seq zamozzog TTopyo. 3o Me'[ le ;uauiuortnug JO aoumisgns snopznznH Cur pun A;zado1d alp &utnionuL A;znd a ;rnud JO Aouan ,Czo ;einRaz JO le ;uaTUUZanoa /Cue ACT not ;oe zaipo JO ;TnsMei `pumuiap `TTiTrp `uoT ;RRpsanun ,fur (I) JO aai;ou ua;;TZM zapua'[ ant$ Apduiozd iTeTls zamozzog (s ;onpozd zauinsuoO ui saoue;sgns snopzezeq `o; poiiuiii Sou ;nq `2utpnput) A;zadozd alp 3o aouraa ;uleuz o; pun sasn TepuapTsaz Tmauou 03 a ;etzdozdde aq o; paztu2ooaz ATTezaua3 ate ;rTp scour ;sgns snopzmzmH jo sappurnb Emus jo Auadozd alp uo aWezo ;s JO `asn `aouasazd alp 01 ATddm iou Hugs soouoluas oM3 2utpaoazd aiy •A;zadozd aTp 3o am" alp s;oa33e Apszanpn ;rip uotlTpuoo a saran `aoum;sgns snopzezeH n 3o asropi zo `asn `aouasazd alp o; anp `Tioigm (E) JO uopTpuo3 le ;uauuiozinug um sa3na1O TToTgM (Z) `me'1 Tn ;uauiuozinug fun 3o uopmioTA Tit sT Imp (i) i ;zadozd aTp 5upoa33m Bu1pICum `op 03 asp auoiCun momma zou `op ;au imp JOMOZZOH •A;zadozd OM uT JO 110 `saoue ;sgns snopzezeH Iiue aseaTaz o; ua ;eaJTp zo `saounasgns snop1nznH Cum 3o asealaz zo `aanzois `Tmsodsip `asn `aouasazd alp ;Tuuad zo asneo ;ou Timis zamozzog dnueajj T1uautuo1Tnug Tie 1a251Z3 astmzaipo JO `o; a ;ngpluoo `asneo u1O 1Elp not ;Tpuoo suraTU „uoT ;ipuo3 Wauaunzozinug„ um (t) pug ME le ;uauiuozinug u! paugap se 'wpm I A0WTiaz JO `uoT ;oe Tripauiaz `uopoe asuodsaz Aum sapnpoui „dnueajj Te ;uauiuozinug„ (E) :uoT ;oa;ozd Te;uauiuozinua zo Apps `Tpirai o; a ;mlaz ;ril pa ;eooT s! /C;.Tadozd alp azaTiM uoT ;otpsTZnf alp ;o smr! pue sMn! imam sueaTTi „Mn'[ Te ;uauniozinug„ (Z) :sirpoimuff anT ;oeoipez gar `ap,CTTapieuuo3 JO so ;sagse 5u1Utmoo sTeuazeuI `s ;uanlos alpeion `sapTOTgzai pue sapppsad oTx03 `s ;onpozd Tunalozlad oTxo; JO algeu Muff; zai3o 'mason)! `autiose2 :saoueasgns ffuTmoTTo3 alp pue Me'[ Te ;uaumoJTnug Aq sa ;sem JO `s ;ut1nJiod `saoue ;sgns snopzezeq zo oTxo3 se paugap saoue;sgns asoT.p ate „saoue ;sgns snoprzr.H„ (I) TZ uopoas stiff; ur pasn sy •saoue ;sins snopauzeH 'IZ '0Z uoT ;oas slip Jo SUOISTnozd uoT ;oe anpoazzoo a3im; o; Squn3zoddo pue aopou alp '(3sI3es o; pump aq Walls gT uoT ;oas o; 3umnsznd zamozzog 01 uantff uopmzaiaooe 3o aopou alp pue ZZ uoT ;oas o; ;uensznd zamozzog o; uaATff azno o; A3Tun3zoddo pue uopezaiaoon 3o aoT ;ou aqj •idnarird sup jo sasodznd zoj aigquosnaz aq o; patuaap aq Elm pouad orup ;rip `uazim; aq ueo uoT ;or utm ;1OO azojoq asdria 3sniu noluitA pouad auip r sapTnozd mm'[ aigeowjddy 31 •uo!3or anT ;oazzoo aoT ;ou Tions JO 511!AT5 OT.p za ;e pouad aigeuoseaz m 03azaq 'Curd zaipo alp papzo33e pun ioeazq paffaTTr ions jo (ST uopOas 30 s3uauiazinbaz aTp TpTM aoueiiduioO Tit uanTS aoT ;ou pus ipim) Aped zaipo alp poupou set zapua-j JO zamozzog ions 1pun ;ualutuisui A3unOas sTTp `3o uoseaz pamo A ;np Sur zo `Jo uotsinozd Aum paipeazq seTi /Cued zaipo alp Imp saaiTe Imp JO ;ua1u1u 1suj A ;Tinos sTil o; ;uensznd suopor s,A;zed zaTpo alp wag sasize ;eTp (ssmp a 3o zaquiaiu alp zo wrap!! TenpTnipu! um =pp se) uoT ;on TETOtpnf CCU 03 pautof aq zo `utof `aouaunuoo Aetu zapua'[ 1011 zamozzog 3oT.pTOM •zaseTpznd aloN alp Aq papinozd as1MZaipo ssaTun zase pind a3oN alp Aq pauznssT: ;ou ate put (s)zaoinzas ueo'[ zossaoons n o; pazzaJsuez; aq JO JOOTnzas ueo'[ alp i ;TM ufmivaz TTTM zaMOZ1OH o; suope2TTgo 5utOTAzos Tiro! a5r5pouI alp `a ;oN aTp ;o zasriOZnd alp ut1p 1 T43o zaoTnzaS umo-i r Aq paOTnzas st ueo'[ aip za33raza1p pur pros sT a3oN 0Tp d! •Bu1otnzas Jo Jamul 3o aopoU a TpIM uot3OauuoO uT sa1Tnba3 O 6861 859 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. 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Borrower(s) 8 62 consents to any such transaction and /or to assumption of the loan secured by this Mortgage, Mortgagor shall not be released from any obligations hereunder. Upon the occurrence of any sale, conveyance, or transfer of the property covered by this Mortgage, in addition to the consent required aforesaid, Mortgagee shall be paid a reasonable service charge for changing its records to reflect such transaction. AllWARI" LAMONT LUN D RAH KAY JOHNSON 0050050053 (Page 2 of 2) RID2MCON