HomeMy WebLinkAbout86792602013778
WHEN RECORDED MAIL TO:
First Security Bank, N.A.
Afton Mortgage Production Office
485 Washington
Afton, WY 83110
0050050012
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 August 29 2000
together with all Riders to this document.
(B) "Borrower" is
LARRY G STEPHENS, a single man
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 August 29, 2 0 0 0
The Note states that Borrower owes Lender
Twenty -Four Thousand, Seven Hundred Fifty and No /100 Dollars
(U.S. 24 750.00 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, 2005
(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
i
11
Space Above This Line For Recording Data
II
i
WYOMING Single Famiy- -Fannle Mae/Fr ddIa Mac UNIFORM INSTRUMENT
MORTGAGE
D
i
u
867926
RECEIVED
00 AUG 30 tt i :3 11
I C E i l u E l t l 0 1 I 1P!u
HOOK 451 PR PAGE 2 4 5
(Initials) (Initials)
Form 3051 3/99 (page 1 of 15 pages)
I.T. 3/00 MWYO1CV
AOLOAMIN
(se5ed 91 10 d e6ed) ewe 140C uiwd
9 p
5
($IeINuI
owe •1•I
IN3PIntusNi IThOIINI1 OIW'IPPS &le'W Nu ued-- Allwej elBu!S`ONINOA M
Iapi21 1uatuArd AgaaMtg
WHOM) 0:JegwnN 0801
saop Iamolzog `asodlnd sigl lod •a3oN ag1 pug ;uaunulsul A1ilnOaS sup Iapun s3Uawaalilg
pue slueaan0O s,1aMOliog jo aotteuuuojzad aip (q) pue :al0N alp jo suopeoutpow pue suoisua3xa
`slgmauaz lln pue `uno•l au) jo watuArdat aip (g) :lapua-1 01 saifOas luatmulsul Aumoas sun
X.L2I3dO'Id all, NI SIH0111 dO 2IgdSNV LL
•1uawnl3sul *moos
sup to /puE a3oH atp Iapun suopggilgo S,IaMOIIOg paumsse sgg Aid 1Etp 1011 10 IaglagM
`Apadold atp of app u03lg3 SUIT pip Aped /Cur sin= „aakto.uog jo ;sa is ;ui tit iossaaanS„ (d)
'ydS32I Iapun „Tirol a2E211ow pawl= AjlElapal„ g sr SjtjEnb 1011 saop
ueoi atp 3i MAO „ul.'oI agE21i0111 panto.' Allezapa3„ n 01 p1E.01 ui pasodtui a1E nip Su0pOulsal
pun s3uauxaltnbaz Ile o3 szapaz „ydsgu„ `luawtu3sul ,C3unoas sup ui pasn sy •za33eUI 3Oafgns
awes alp SU1 A0g 3E uopeln2al z0 uoi3nisigal IOSSaOOns 10 IE110i31ppE ,Cue 10 `awp 03 aUII3
moij papuawn aq 1gaiui ,tap sr `(00S£ 1 d 2I d O t'Z) X uor3Eln2a21
`uopeingaz Rutluawaldwt
sat puE (bps 1ai09Z 'O'S•Il ZT) 1 Salnpao0ld luawap3as a3E3sg Ina2I atll mum „yds i. (0)
•3uawnliSUl ,(lungs slap jo uopaas Iapun S3un0tuE Aug (Z) snld `a30N alp zapun
lsaza3ut pug Indtouud (I) Jo anp 1Unown palnpagos ,ClleinWaz alp sunaw „;uam,fed alpolaad„ (AI)
•uno-i alp `1101Ingjap
IO `30 luawAgduou alp 1 UI1 g zapua'1 2ui1Oa101d aOUnznsui sugaw „aauL'ansui agenIOIAi„ (IN)
•A11ad01d alp 3o uorpuoo Jo/pug awn alp `03 SE SUOISSTUIO 10 `JO SUOpE1110Saida1Stul
(AO JO uopgawapuoo JO nail 111 00UgIian110O (iii) 4 A310d0zd OM 30 11Ed fug JO TIE JO BuDlnl latpo
zo uopnutuapuoo (ti) `if31ado1d atll `Jo uot3onllsap 10 `01 02ruup (i) Io; (S uopOas Ui paquosap
sa2elanoo alp Iapun pied spaaooid aouninsui ui ip i ipo) Aired pJig1 stun ,(q turd spaaoold
JO `sa$ntunp 3o pilME `luawaplas `uopRSUadwoo Aim sum „spaaaoad snoausllaasm„ (1)
uopoas ut paquosap aIe lEtp suialt OSo111 unaw „seta ;i Moaasg„ (Mi)
•slajsun13 asnoq &uuealo paleaio3ng pug `siajsunz3 aunt
`auogdalal q pa3nP!Ut slaJsag1l `suopoesu1U3 autgOntU Jana) palgtuo3nn `SIa3SUE13 ales j0 -lutod
`03 palnuil 1011 st 1nq `sapnloui wzal guns •luno00n un 11p01O 10 ligap 01 uopnlpsut intOUnuu
n azuoipng Io `3On11SUi `Iap1O 0l sr os ode) Opau$nui i0 `Ia3ndwo0 `3 oust u sui Oiu0gdalal
Inutuual otuoll0ala un g$nonp pa3npruI si uouva `3uawnz3sut Iadnd znliiuts 10 `13g1p `lpago Aq
pa3ntgilo uop0gsun13 E UEg1 Iag3o `spun; 3o /a3SUn11 Run sugaui „aaJsueiy spung aiuoa4aald„ (f)
•UOilnzninal0 1EjtUIIS IO u0i1ni3oSSn SIauMOawoq
`uollnioossg wnrnmlopuoo E iCq Mlladold alp JO IaMOliog uo pasoduit a1n lgtp saaInpp Iaipo
pug s3Uawssassg `saaj `sang jp sUnaw „s3uauissassy pug sam 'sang uoi ;eiaossy ,f;iununuoD„ (1)
•suoiuido letotpnf aignlEadde -uou `p urj aignotldde lln sn
IIaM si (Mnl JO 1oa3ja alp aneg nu)) slaplo pun saint aniln13stu!Uipg pug saougutplo `suopgln5al
`sa3n1E3s Fool pun a313s `Fzapaj aigeotlddn &ugioJIUOO IIE sueaw „Merl algeailddy„ (g)
zaPt2I IapT>I icItwEd b
(s)l0 3uawdo ltun pauugid zapt21 uooiFg
zap awolH pumas lapt2l tuntutwopuoj zap oluzi algglsnfpy
[aignotiddn sr xoq )ioa1O] IaMOlzog ,iq pa3nOaxa aq co aJg szapu &ui•Oiio3
au laMOl1Og Aq palnoaxa ale nip luawnilsui i(1ilnoaS sup 02 szapu IIn maul „slapig„ (0)
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 35, RIVER VIEW MEADOWS ADDITION TO THE TOWN OF ALPINE WITHIN THE
SE1 /4 OF SECTION 30, T37N, R118W, ACCORDING TO THAT PLAT FILED JULY 2,
1993 AS INSTRUMENT NO. 767416.
which currently has the address of 325 SNAKE RIVER DRIVE
[Street]
ALPINE
Wyoming 83128 "Property Address
[City] [Zip]
247
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.
Loan Number:0050050012
WYOMING-Single Family Fannie Mae/Fr.ddle Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
Initials)
Form 3051 3/99 (page 3 of 15 pages)
MWY03CV
AMMOAM I
(so5ed 9L fob abed) 66/6 ►soe %WU
;57
tsIeIuut
00/8 '1'I
1N3WfluLSNI WUOaMn •IPP•d/s•W Muusa Wej eI ONIWOAM
MHO OHO :JogwnN ueo,
Airy •atup Aug 3E small mozosg lie io AuE zo; spung zapua-j of Ard of uopr$t'go s,zamouog
antrm /Cm xapual •sumpt mozosg Iir JO ,Cue zo; spung atp ,Ced op uoiit qqo s,zamozzog
santum zapual ssa'un swain mozosg x03 spung aq3 zapua-I /Cod IIEtIS OAt0110g 'uopoas Sig3
zapun pied aq o3 stunoute jo saopou IIE zapual op gstuzn; dpdtuozd IIEgs zamozzog °wan mimosa
uE aq iirgs stuauissassr pue sag; 'soup Bans pug `.1mo11og /iq pantozosa aq `/Cur ;t `s3uatussassy
pun stag `sang uoprtoossy /Cptunumwo3 trip aiinbaz Arm zapua-I `ueo -I atp jo uuat atp &uunp
amp Aur 3r JO uopnutffuo ty „•swapl mozosg„ palm azr srua3t asagZ •0j uopoas ;o sUOtstnozd
atp Rpm aouepz000i ut suinuuazd aourznsuj aWuRp1oinl jo 3uaui Ced aj3 ;o nail at zapuaJ
op zamozzog /Cq algr/Ced sums /Cue to `/Cur ;i 'stunt aourinsul a5eRtzojAi (p) par :s uopoas
.iapun zapua7 ,(q pazinbaz aouEZnsut "r pur Aug .ioj sung:raid (o) `./Cur ;i `duadozd atp uo stuai
punoig JO s3u0m1I/CEd plogasral (q) :/Cuadozd atp uo aouiiqumoua 10 uag E sE tuaunutsU' /ipunoas
sil3 nano ituoud wrpr gotgm swap zagto pue stuatussassr pug saxrt (E) :io; anp s3unotue jo
3uatu d zo; apinozd op „spung„ ow) ums E `Iin3 ut pisd st a3oM alp !pun `spoN alp zaptm anp
azE s3uaut/CEd otpouad /cep atp uo zapurj op /Ced 'lugs Jamozzog •swa3I moaasa aoj spung
•stuaui/Ced otpouad
ow ;o `tunouie alp auurgo to `a3ep anp agt auodtsod to puma iou pegs atol`I alp zapun
anp IEdtouud 03 spaaoozd snoaurpaosi j zo `spaaoozd sou insui `sivatu/CEd jo uopeotjddg /Cuy
°atou atp ut paquosap sr lisp pug sag1Ego tuaulAEdaid /Cur of
tug pailddE aq IIEgs stuaur/CEdazd /ClEluntoA .anp sag1Ego air' Aug o3 pailddE aq Arm ssaoxa Bons
`stuauard oipouad az0W JO 0110 ;0 3uaut/Cnd ling alp o3 pailddE st 3uaw ird atp zatjE stsixa ssaoxa
Cur trip tutus alp of °Ting ut pied aq uro 3uatui(Ed Tea `toga luaus aq3 03 puE ;t staaur/Crd
otpouad atp ;o 3uaur&Edaz alit 03 10m011013 11.104 pantaoaz 3aaui/Ced /Cur dlddi ARM z0p1171
Iutpuepstno st tuauriCEd otpouad auo aEgp alma 3j °aaiEgo ate' ow pm 3uaur/Ced puanbutiap
ow of patlddE aq Arta 3uaur/ rd atp `anp a5'zego a3E /Cur /Ced op 3unouzr tuatou;ns E sapn'out
goigM 31101Lr/CEd oipouad tuanburiap E 10j zam0110a 1110z; tuautiCrd E santaoaz zapuaZ ;I
°atotl atp 3o aouRJEq IEdtouud atp aonpaz o3 uatp puE `3uaumz3su' /C3unoas sap zapun
anp sumo= zag3o /iuE op puooas `sazrgo atEj of tSqu pat'dde aq pugs s3unotur &ututruiaz /cuy
.anp aturoaq tt gopph ut zapzo atp ut tuaur/ird otpouad gora op pat'dde aq iirls stuaur/crd ions
°E uopoas zapun anp stunotuE :atom alp zapun anp IEdtouud (z) :a3oN alt zapun anp psaza3ut
(t) :A3uoud ;o zapzo agp ui patlddE aq puts zapua-i /iq patlddE pug patdaooe stuaut/Ced
lie `z uopo silt at paquosap asimzalto sr tdaoxg •spaaoo.rd .io s3uawdEd 3o uof1allddV •z
•tuauirmmsU'
/'tunas silt /Cq paints s3uawaaJgr par stumaano° alit gutuuojzad JO tuaumzpsaj /C3unoas
slut puE atoR alt zapun anp stuaur/(Ed &upIEW tuoz; zamozrog anatla1
frgs zapua' tsa!E2e aznin;
tilt ut JO Moa OAEg Wtur z0M01z0g gout' tugE'o JO 10s; ;0 ON •aznso'oazo; 01 loud A pripautun
a3oN alit zapun aour'rq IEdtouud &utpuEts3no alit of middy act IIiM spung lions 'Jaffna
patiddE 1011 ;I •zaMOZZOH of malt uzntal zo spun; ions /C'ddE zagpta IIEgs zapuaj 'amp ;o pouad
aigEuoseaz E uttptt os op mu swop zaMOZZOg ;I •puazzno uEO-' atp &uuq o3 (s)tuawArd s031eu1
zaMOZZOa ''pun spung pagddEan lions moil Arm zapuaj spun; pagddean no Isazatut /cod tou
paau zapuai uagp `airp anp pa'npalos sit ;o sr pailddE st puaut/CEd oipouad loot 31 •pa3daooE
a1E stuaur/Crd lions amp alt tE stuani/Crd Lions /ijddn o3 pa1E2itgo 3011 st zapua'I pnq `aznpnj alp
ut s3uawArd prturd zo (s)tuaui/CEd lops asn;az o3 Stipp sit o3 aotpnfazd JO zapunaiaq st1511 Aug
;o zantEM 3nogptM luauno uEo'l alt $uuq o3 puaio133nsui (s)puaur/SEd IEpJEd zo (s)tuaui/CEd /cur
tdaoor Amu zapurj •tuauno uro1 alt &uuq 03 uaatou ;nsut azE s3uaut/CEd IEtuEd to (s)3uaui/(Ed
ag3
J! (s)3uaui/Crd tr iEd JO (s)3uaui/iEd ,CUE uzn3az Arm zapuaJ •Si uopoas ut suotsinaid
aopou ow gm aourpz000E ut zapual /iq patru5tsap aq /Crui sr uo13EOOi zatpo lions tE JO OWN
043 ut pa3EUgisap 110i3E00I alp tE pontoon =pit zapua-I /Cq paniaoaz patuaap azE spuaut/CEd
U84i79
249
such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly,
when and where payable, the amounts due for any Escrow Items for which payment of Funds
has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing
such payment within such time period as Lender may require. Borrower's obligation to make
such payments and to provide receipts shall for all purposes be deemed to be a covenant and
agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used
in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under
Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay
to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any
time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall
pay to Lender all Funds, and in such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (1) sufficient to permit
Lender to apply the Funds at the time specified under RESPA and (2) not to exceed the
maximum amount a lender can require under RESPA. Lender shall 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 an institution whose deposits are so
insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow
Items no later than the time specified under RESPA. Lender shall 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. Unless an agreement is made in writing or Applicable Law requires
interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or
earnings on the Funds. Borrower and Lender can 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 as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall
account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of
Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by
RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in
accordance with RESPA, but in no more than twelve monthly payments If there is a deficiency
of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by
RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in
accordance with RESPA, but in no more than twelve monthly payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly
refund to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold
payments or ground rents on the Property, if any, and Community Association Dues, Fees, and
Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them
in the manner provided in Section 3.
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, but only so long as Borrower is performing such agreement; (b)
contests the lien in good faith by, or defends against enforcement of the lien in, legal
Loan Number: 0050050012
WYOMING-Single Family- -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
Initials)
A-Si
Form 3051 3/99 (page 5 of 15 pages)
MWY06CV
A390AMw
(se5ed 91. {o g eyed) 06/C 1.9oc uuoA
,S?
(sr rnut
(sIBINuI)
oo/e •1•I
1N310fULSNI wttoimi t eow.IPPaumew efuuy-- Xyumj eIBu!SonnvoAM
Z 100500500 :iegwnN UeO1
;t `AUadozd alp jo nrdaz zo uotlezo3saz of potidds aq Begs `Japua-I Sq pazrnbaz srm aoueznsut
&utiCpapun atp Sou io zatpalM `sp 000zd aounznsut Sur `guppm Ut aazge astemzatgo zamozzog
pus zapuaj ssaiun •zamozzog Rpdtwozd apeut Sou 3t ssoi jo joozd azietu Arai zapual
•zapua pue zatzzso 03ueznsat alp o) 03110U ;dtuozd ants pegs zamozzog `ssol 30 3tiana atp uI
•aaSed ssol leuopippe ue se zo /pue aageguoui
se zapual atueu iirgs pue asnsp ageguoui pzspusls a apnput prqs iCotiod Hans `SUadozd
atp `3o uoponz ;sap JO `01 agsaisp zo3 `zapual paztnbaz aspMZatpo Sou `agszanoo aousznsat
3o tuz0j Cue suteigo zamozzog ;I •saoi ;ou iemauaz pue samttimzd pied jo sldtaoaz pr zapurj
o; ants (pdtuozd Ipgs zamozzog `saztnbaz zapual 31 •sawot3tuao Irmauaz pug satogod alp ping
o; 1q5u atp ansg Begs zapual •aaAi d ssol ieuoi;tppe tie se zoipue 005E2 ).10111 se zapuaj arum
Begs pue `asnsp agegu0t1 pzepuels a apnput Ilegs `satotiod gons anozddestp 03 lggtz S,zapuaJ
o; 3oa fgns aq Begs sap pod qons jo slsmauaz pue zapua-j pazrnbaz satotiod aousznsut
•luatuArd gupsanbaz zamozzog o;
zapua-I luoz; aopou uodn ysazalUi gons 113tH `algsXed aq Begs put luatuaszngsip jo also alp tuoij
a ;sz a10N all 313 Isazalu! zeaq iitgs Slun0tur asal1 ;uaunu;sui /Ciunoas sup Rq paznoas zamozl0g
;0 )gap iiuonippe autooaq pelts S uopoas sup zapun zapua-j Aq paszngstp slunotus Auy -pautl;go
aneq moo zamozzog lstp aousznsut ;0 ism alp paaoxa Apusogtugts 3ggttu paure3go os agez0n00
aoueznsut alp 30 ;Sop atp ;etp sagpalmou3Ios zamozzog •3oajJa tiI iClsnotnazd SEM uetp agezan00
zassai JO za3tazg apinozd 3g5tui pug C3iitgrti JO pzezel 'IT Cur lsup5s `iCuadozd all 3o s;ualuoo
air) zo quadozd all tit Altnba s,zamozzog `zamozzog loalozd 3011 lggtui zo 31151u lug `zapuaj
JPA00 pegs agezano0 'Ions `az0jangl •aguzano0 30 Ammar JO 0E3 zrinot3zed Cue asegoznd
01 notlsgtlgo ou zapun st zapun •asuadxa s,zam0zzog pus uopdo s,zapuaj 313 `agszanoo aaut:znsut
un qo Arm zapual `anoge pagposap sagezanoo all jo Niue tits ;uu m of sin:; zamozzog 3I
•zaMOIZOa
,Cq uonoafgo IIe uioz3 gutljnsal uoilsuIUUalap auoz pool; Cue ;o maw' alp tpiM uopoa11uoo u
Aouagy 3uaWiagsum Souagzauia iszapaj alp Aq pasodtiit saaj Cue jo luatu,Ced alp zoj 0igisuodsaz
aq psis iiels zaMOZZOH •110pe0gp100 JO uopeanuza3ap gons 3oa3jr llgtui i(igeuossaz gown
111300 saguego lsjtui(S JO sgutdddui0z aurtl Ipso sagzeg0 luanboSgns pue saotnzas uopeogpzao
pus uopeanuzalap auoz poop zo3 a2zsti0 aulp -auo a (Z) JO sa0tnzas gupjoszl pus uopsoupzao
`uopsutuualap auoz poog zo; aairgo atut3 -auo a (I) :zatpta `U10-( sttp 13tH uop0aUUOo
tit `,Cid 01 zamozzog aztnbaz AMU zapua-j ,Cigsuossazun pastpzaxa aq 3011 pugs 3U2tz 1o11M `a0tolp
s,zamozzog anozddestp o3 11Su s,zapua1 0; loafgns zamozzog Sq uasogo aq urge aoueznsut alp
guiptnozd zatzz%o aoueznsui 0IZ •urol alp jo tuza3 alp guunp agueg0 tiro saoua3uas gutpaoazd alp
03 lut:nsznd saztnbaz zapua-1 1s1 sazmbaz zapua-I 3s1.11 spouad all zoj pus (spnai algponpap
gutpnput) s;Unotur alp ut paute3Utsai aq (legs aousznsut slits pourznsut saztnbaz Joplin gotlM
zoj `spoon pus savnbguea `03 pa3turti Sou )ng `gutpnput sturzrq zatpo Cur pus „`agezanoo
papua3xa„ ttual all upptM papnput smut; `azg Sq SSOJ 1SU1 13 paznsut ICUadozd alp uo par=
zagea101 JO gupstxa Mou s311amtano: dug alp dawt putts zamozzog •aaueansui ,fpadom •s
•uroJ sup tp(M 11opoauti00 tit lapua'I Aq porn aOtnzas guiuodal zo/pur
uoprOIJpan X13 ale;S0 pal s 10j agzego 0uip -auo E Red of 10M0zz0g aztnbaz Aral zopua"i
b not ;pas sup 111 anogs Iuoj las suop0e all jo aIOtu JO atio a0Ie3 JO !Mil 0113 JsprS
iistIS z0M011011 `uanig st 0011011 1e111 IptgM Uo 01ep alp 3o &Cep pi unpitkl •uatl all guilt puapt
a0t3ou a zamozzog ants Xsui Japing `1Uaultulsul iilunoas sup zan0 iilu0ud 11ts11s 11e3 IpigM
uatl s o1 loafgns st 1ilzadozd alp 30 3zed Cur 313111 sounuzalap zapua-i 31 •IUa11nu3sui dlun0as
sup of up!! alp 5utleutpzogns zapua1 of Azo3oe3St3ss luatuaazgs 1113 11atl all 3o zaplo1 all U10z3
sampan (o) JO :papnpuoo aze sgutpaaoozd gons !pun ,Ciao lug `gutpuad 0113 sgutpaaoozd asoip
ap1M tats aril 30 luatua0z03ua alp luanazd o3 a3ezado uotutdo s,zapua' tit 140tH sgutpaaoozd
g? 9ZG4.9NO
OSCI'79 251
the restoration or repair is economically feasible and Lender's security is not lessened. During
such repair and restoration period, Lender shall have the right to hold such insurance proceeds
until Lender has had an opportunity to inspect such Property to ensure the work has been
completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.
Lender may disburse proceeds for the repairs and restoration in a single payment or in a series
of progress payments as the work is completed. Unless an agreement is made in writing or
Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be
required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters,
or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and
shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible
or Lender's security would be lessened, the insurance proceeds shall be applied to the sums
secured by this Security Instrument, whether or not then due, with the excess, if any, paid to
Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2.
If Borrower abandons the Property, Lender may file, negotiate and settle any available
insurance claim and related matters. If Borrower does not respond within 30 days to a notice
from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate
and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if
Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender
(1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid
under the Note or this Security Instrument, and (2) any other of Borrower's rights (other than
the right to any refund of unearned premiums paid by Borrower) under all insurance policies
covering the Property, insofar as such rights are applicable to the coverage of the Property.
Lender may use the insurance proceeds either to repair or restore the Property or to pay
amounts unpaid under the Note or this Security Instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within sixty days after the execution of this Security Instrument and shall continue to
occupy the Property as Borrower's principal residence for at least one year after the date of
occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably
withheld, or unless extenuating circumstances exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on
the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the
Property in order to prevent the Property from deteriorating or decreasing in value due to its
condition. Unless it is determined pursuant to Section 5 that repair or restoration is not
economically feasible, Borrower shall promptly repair the Property if damaged to avoid further
deterioration or damage. If insurance or condemnation proceeds are paid in connection with
damage to, or the taking of, the Property, Borrower shall be responsible for repairing or
restoring the Property only if Lender has released proceeds for such purposes. Lender may
disburse proceeds for the repairs and restoration in a single payment or in a series of progress
payments as the work is completed. If the insurance or condemnation proceeds are not sufficient
to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the
completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it
has reasonable cause, Lender may inspect the interior of the improvements on the Property.
Lender shall give Borrower notice at the time of or prior to such an interior inspection
specifying such reasonable cause.
Loan Number: 0050050012
WYOMING Single Family— Fannie Ma./Freddie Mao UNIFORM INSTRUMENT
I.T. 3/00
(Initials)
Initials)
-GS
Form 3061 3/99 (page 7 of 15 pages)
MWYO7CV
AOMOAM I
(se6ed g j jo g °Bed) ee/e "soe wiod
2 z
�SY
iele ;Nut)
OO/E '1'I
1N3W11111SNI WHOdINn o'W NPPud/Sm SUu I -Aund 91644- oNIWOAM
Z100g00g00:JegwnN uso1
•amasaz ssoj ions uo s5uiuzea zo )sazalui itu11 zamozzog X11d oI paztnbaz aq 1ou pugs zapuaj
pu11 `jjnj ui pied Alaleuipin si ueo-j ag1 lvup 1oe3 ag1 Uatpuelsimmlou `ajgi punjaz -uou aq pegs
anzasaz ssoj lions •a0U0znsui aRe241opq 3o nazi ui anzasaz ssoj ajg11punpaz -uou 11 se sluatu,COd asatp
urelaz pue asn *loom 'pm zapun- •joa33a ui aq oI pasuao aWuzanoo aouuznsui am uagm anp azam
111tp sluaur/Cud paaeuttsap ,Cjaluzudas ail jo minute am iapuaj o1 Red o1 anupuoo iiegs zam0110g
`aigepene 40U st a5ezanoo aouiznsui a2115uoi,I 1uaj11ninba ,Cprpuelsgns 3i •zapuari dq props
zaznsU! aRe3lzour a )uuzali11 U11 map `aoa33a ut 1fjsnoinazd aoUemsUi a2e53101A1 aup 3o zamauog
01 4500 aq1 0; ivaj11ninba ,Cpepu114sgns Isoo 11 Iv `joa33a ui JCjsnoinazd aounznsuj a8auoj
alp of 1uajenmba iCiiupue;sgns aaezanoa memo o) pazmbaz stunmi zd aria iced iiegs zamozzog
`aouvznsui a Wu81 °NNI zo3 stuniurazd alp pzumol smoulArd pa)uuaisap iCjalu0das alucu of papnbaz
sEM zamozzog puu aou11znsui lions papino1d Ajsnoinazd Imp zaznsui aWeRazour alp 1roz3 aigupene
aq o1 s zapua-i ,Cq pazmbaz a2ez0n00 aounznsuj a2auoj ag1 `uosuaz AIR zo3 `3I •1oa33a
ui aouuznsui a5115 iOJ alp 1111 uieur o; pazmbaz smnuuazd am £i d pegs zamonog `uuo-i alp
Supiem jo uorjipuoo use aoueznsui ahauow pazmbaz zapua-i 3j •aauwansui a2u2poi i •pi
•ffupum ui zazatu alp 01 saaa11 zapua'i swim a9z0111 1011
pegs app aaj ag1 pue pjogasuaj alp `,ilzadozd alp o1 app aaj sazinboe zamozzog 3i •asuaj atp 3o
suoisrnozd alp iju tpim duroo pelts zaMOZZOg `pjogasuaj 11 uo si juaumzlsui *noas sail 3I
•luatuXrd 8upsanbaz zaMOxzog o1
zapua-i map aorlou uodn `Isazalu! lions tpim `ajquAud aq pugs puu luatuaszngsip jo amp am wog
a)uz aloN am 111 lsazajui nag pegs 81u1Otu11 asagi, •)Uaumz)suj iC1iznoas snp Xq pains 1amozzOg
30 1 gap j11topipp11 amooaq it 6 uopoas snp zapun zapun- paszngsip slunotuu Ruy
6 u0p0as
snp zapun pazizoipne saoijou p11 zo Cue 101 zo3 Miiig11i' ou sznoui zapua-j 10141 paa1 11
si 1i •os op 01 Uopaggo JO 1C1np iCuu zapun Iou si puu os op 01 anvil Iou saop zapun' `6 uoijoas
sig1 zapun uoij011 qv) Ji11ur zapuv i Onogliy •33o JO 110 patunl sat;gtjn anrq puu `suoprpuoo
snoza2urp JO suopejoin apoo zaglo zo auipjinq alemtutia `sadId tu0z3 za411M U111zp `stopurm pue
sloop do p111oq JO ao11jdaz `s3i0oj a OUugo szi11daz aVur o1 A41adozd alp g11rza1U `01 pajpmp Iou
si ;nq `sapnpui ,C41adozd am 5uiznoas ffutpaaoozd Aoldnzniuuq a ui uopisod pa1n0as sli Suipnjoui
`luatunzlsUJ X1un0as snp zapun swap zo/pue eivado1d alp ui lsazalui sli maid o1 saa3 ,sdauzollu
ajm11uos11az 5uiAed (E) pU11 1411100 111 ffuu11add11 (z) `1uatunzisui iClim0as snp 1OA0 Agmpd
slq g0igm uatj 11 Aq pamoas sums /Cue &ui,C11d (j) `01 palituij 1011 az11 inq `apnpui 11110 su0p011
s,zapua-j •iivadozd alp &uiztldaz zo /pu11 gUrzn0as pue `IC41adozd ag1 30 anjen amp ffUrssass11 zo/pu11
&up0alozd SuipnjDUT luounuIsuj ,Clizn0as snp zapun s1gffu pu11 Ii2ad0zd alp ut lsazalui s,zapua7
10alozd 0j 11 Rtzdozdd11 JO ajg11uosraz st zanal11gm zo3 /Cud p1111 op Arm zapua-j imp `)lzadozd
otp pauopu11g11 s11q 1 M011og (E) JO `(suopijn$az 10 SM11j a0z03ua 01 zo luatutu)saj ICjun0as snp
zanO Aipoud mejly Arm town uaij 11 3 luatuao1oJua zo3 `aznliajz03 10 uojl11uurapuoo zo3 `alrgozd
`I(old1u)ju11q ui 5uipaaoozd 11 su ions) )uaumzlsui Alunoas snp zapun 4)121 10 /puu Alzadozd
aup 111 lsaza)ui s,zapua-i 1oa3311 dj;uRogiuW1S Wm' 111ga Wutpaaoozd 1115aj 11 si azam (z) luatunz1suj
,C)iznoas snp tut paurel11o0 S4U 1Uaa1B11 put slu11U AO0 0111 tuzojzad 01 Sjru3 zaM01JOH (I) 3I
•luatuna)sui ,fjjanaas sup aapuji pug Spadoad aql uj lsaaajui mapun 3o uo!Pa1oad •6
•a0uapisaz PPdpupd s,zamouog sr S iJad0zd ag13o Aou11dn000 s,zamozzog
&uiuz001103 sU0p111U Sazdaz `01 paqum 1011 air lnq `apnpui sUopuluasazdaz iRiza111JAI 'urn atp
mph 1Op0au1100 11i (uor)11urz03u! j0rza111U1 glim zapua-i apin0zd o1 pajt113 zo) 1apuai 01 s)11aura1111S
JO uoi11ur1o;ui 0111111001ui z0 guipeajsiur `asj113 A1111na111ar anuR )11041100 10 apaJMOU3i s,zamozzog
g41M zo zaMOZZOg 3o uop0azip am 111 &1!1011 sar1jua JO suoszad /CUE JO zaMOZZOg `ssaoozd
uo411011dd11 U110'4 am 2uunp `3i 1jntjap ui aq !Trip 10M0110 •uoplajjddy ui on s,aai oaaog •g
Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the
amount and for the period that Lender requires) provided by an insurer selected by Lender
again becomes available, is obtained, and Lender requires separately designated payments toward
the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
making the Loan and Borrower was required to make separately designated payments toward
the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain
Mortgage Insurance in effect, or to provide a non- refundable loss reserve, until the Lender's
requirement for Mortgage Insurance ends in accordance with any written agreement between
Borrower and Lender providing for such termination or until termination is required by
Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the
rate provided in the Note.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or
repair of the Property, if the restoration or repair is economically feasible and Lender's security
is not lessened. During such repair and restoration period, Lender shall have the right to hold
such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to
ensure the work has been completed to Lender's satisfaction, provided that such inspection shall
be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement
or in a series of progress payments as the work is completed. Unless an agreement is made in
writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender
shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds.
If the restoration or repair is not economically feasible or Lender's security would be lessened,
the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds
shall be applied in the order provided for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property, the
Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,
whether or not then due, with the excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the
fair market value of the Property immediately before the partial taking, destruction, or loss in
value is equal to or greater than the amount of the sums secured by this Security Instrument
immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender
otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the
amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount
of the sums secured immediately before the partial taking, destruction, or loss in value divided
by (b) the fair market value of the Property immediately before the partial taking, destruction,
or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the
fair market value of the Property immediately before the partial taking, destruction, or loss in
value is less than the amount of the sums secured immediately before the partial taking,
destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the
Miscellaneous 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 Opposing Party (as defined in the next sentence) offers to make an award to settle a claim
Loan Number: 0050 0 5 0 012
WYOMING-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
(Initials)
23
Form 3051 3/99 (page 9 of 15 pages)
MWYO9CV
ADOLAMW
(seOed gt so o f eyed) ewe INC Wet
VS
(slerul
(sI niul
00/E '11
£N3WfUWSNI WUOdINf e'W •IPPesOosill NuutA -AW8J elduIS
ZL0OS00S00 uao1
iClzadoid `saa; s /caiuops `01 paltuzli lou log `Sulpnioul luaumpsui dlunoas sup Joplin s31Su
pue Auodozd aip ul lsazalui s,zapuari Supoalozd ;o asodznd ali ioj `1ine ;ap s,1amozzog TIM
uopoauuoo ui pauuojzad saolAZas zo; saa; zamouog aSzego Sem zapua-i •s3Saego amyl •yi
zapua-1
jo suSlsse pus szossaoons all )p auoq pus (0z uolloas ul papinozd se ldaoxa) ping Itetis 111aumzisui
d1un °as sail ;o sluau ooas pus s1ueuano3 alZ Su11uM lit aseaiaz Ions of s33zSe zapual
ssaiun mamma!' *moos stn zapun /cililgeli pun suopeSligo s,zmoz1Og 1110i3 paseaiaz aq 1011
Hells iamonog •luaumzlsui Sigmas sup zapun sigauaq pug slq$u s,zamo1z0g ;o UV ulelgo Hells
`zapuo- /cq panozdde sr pus 'Sullum lit luatunzlsui /clunoas sup zapun suopeSligo mamozzog
saumsse oqM xamozzog ;o lsazalui ur zossaoons ,Cue `gi uopoas ;o suolslnozd atii Ol loafgns
•luasuoo s,zauSls -03
all inolllm mom all JO 1ua11tnr1sUI /ciun °as slip ;o stural all 0l pogo/ lilts suopepounu000e
Sus arm 10 now; `/c;tpour 'puma 03 aaJ2e ueo zamozzog zalpo /cue pue Jopua-i
leap sodas (0) pue °luatunrisui Allmon suit dq paznoas stuns aq1 'Cud of paieSligo diisuoszad
10u sl (q) :lumtunzlsai IClunoas snit ;o mum all zapun /clzadozd all 111 Isaz3lu! s,zauSls -00
all danuo0 pus 1ueJS `affeSlzoul 01 /quo luaurrulsui dlpnoas sup SuluSls -00 sl (e) zauSls -oo„
e) atom all aln0axa 1011 saop 1nq lua1unzlsui d1lzfDas sup suSls -0 otiM zamozzog due `zanamog
'pianos pus lulof aq Hulls /cililgeli pug suopeSligo s,z0m01J00 3el1 saarSe pus si11s112A09
zamozzog •punog suSissd put: saossaaans Esaau2is -op :Amgen leaanas pun ;uiof
°dpatuaz JO 111Su AIM JO amino all
apnpazd JO ;o zanleM a aq lou iiegs `anp uall lunome aril uell ssai slunotue ui JO zam011013 JO
lsazalui ui szoss200nS JO sappua `suoszad piup moij sluaurded ;o aoueidaooe s,z3pua'1 `uopelltuli
lnoll!M `Suipnpui /cpauraz JO llsu due SulsTOZaxa uI zapua7 Cq aouezeagzo; ,Cud °zamozzog
;0 lsazalui ul szossao0ns ,Cue JO zamozzog ieutsuo aqi /cq apear puemap due jo u0seaz dq
luatunzlsui *moos sup dq paznoas sums all ;o uollezpzome Appom aslmzaglo z0 luaurded zo;
au puma 03 asn;az 01 JO zamozzog ;o lsazalui ul zossa00ns /c11e 1suleffe sffulpaaooid aouauIuloo
of pazlnbaz aq 1ou iiels zapua- 'Jo/mama Jo lsazalui 111 szOSSa00IIS dus zo zaMO.uog jo /c1llgeli
all aseaiaz O1 alezado 10u iiels zamo110g ;o lsazalui ul zossa00ns due JO zamozzog O3 zapua -1 /cq
palueUS luatunzisui *moos sill dq paznoas sums all ;o uopeztlzoure ;o uopsompom JO luauided
zo; 3111! am ;o uolsualxg •aanreM a loN aapua-i dg aaueaeagao,4 :paseaiau ;oN aamo.uog •zi
•z uolloas uI zo; papin0zd zapzo all uI palidde aq
!Lulls dlzadozd aq1 ;o ztedaz JO uopez01saz o1 palidde 3011 aze lap spaaoozd snoauslia0s1141 ltd
°13!113-1 01 pled aq Hugs pus pauSlsse
/cgazal aze dizadozd all ul lsazalui s,zapua-1 ;o luatuzleduzl aql 01 aigelnqulle an imp saSmuep
zo; iuiep JO p1RMU due ;o spaaoozd aqj •lummulsui /cltzn0as sill zapun slgsu JO duadozd all lit
lsazalui s Jo luauLuedurr ieualtitu zallo zo duadozd alp ;o a1nita;zo; sapnioazd yuaulSpnf
s,zapua-i ul `letn Sulinz a IT3 A passluislp aq of Sulpaaoozd JO u0p0e aqI 2utsne0 /cq `61 uolloas
uI papinozd se alelsulaz `paun000 seq uonezaiaooe ;l `pus 1ine;ap a IOns am0 uso 1 M011og
luatutulsui Allmon stgl zapun s1ti3u 10 /cuad0Jd aql ul lsazalur s,zapu3-i ;o luaurzleduzl
ieualeiu zalio 10 /cuadozd all ;o aznila;zo; ul 1lnsaz !1110 luma2pnf s ul
unSaq si `ieuturuo JO !IAio za `Bulpaaoozd z0 110p3e due ;I 11ne;ap ul aq Hells 1 M0110g
•spa00041 sn0aueiiOOSM of ma= lit uoll0e ;o small a sell 1 M0110g uumnt lsule$e dined all JO
spaaoozd snoaueiia0s1JAi zamozzog samo sip /cued pipp atg sue= /cued Sulsoddp„ •anp uall
1011 zo zallalM `1uaulnzlsui /chin °as sill dq paznoas sums am 01 zo duadozd all ;o zledaz JO
u0pezols3z 03 131113 spaaoozd snoaueiia0SijA am didde pus 1031100 01 pazuogine sI zapua-1 `uanlS
sl 33110u all alep all Jogs Shp oc ulp!M zapuaJ of puodsaz of sire; zamouog `saSeurep z0;
OM:a!) 6 255
inspection and valuation fees. In regard to any other fees, the absence of express authority in
this Security Instrument to charge a specific fee to Borrower shall not be construed as a
prohibition on the charging of such fee. Lender may not charge fees that are expressly
prohibited by this Security Instrument or by Applicable Law.
If the Loan 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 (whether or not a prepayment charge is
provided for under the Note). Borrower's acceptance of any such refund made by direct
payment to Borrower will constitute a waiver of any right of action Borrower might have arising
out of such overcharge.
15. Notices. All notices given by Borrower or Lender in connection with this Security
Instrument must be in writing. Any notice to Borrower in connection with this Security
Instrument shall be deemed to have been given to Borrower when mailed by first class mail or
when actually delivered to Borrower's notice address if sent by other means. Notice to any one
Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires
otherwise. The notice address shall be the Property Address unless Borrower has designated a
substitute notice address by notice to Lender. Borrower shall promptly notify Lender of
Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change
of address, then Borrower shall only report a change of address through that specified
procedure. There may be only one designated notice address under this Security Instrument at
any one time Any notice to Lender shall be given by delivering it or by mailing it by first class
mail to Lender's address stated herein unless Lender has designated another address by notice to
Borrower. Any notice in connection with this Security Instrument shall not be deemed to have
been given to Lender until actually received by Lender. If any notice required by this Security
Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy
the corresponding requirement under this Security Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All
rights and obligations contained in this Security Instrument are subject to any requirements and
limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to
agree by contract or it might be silent, but such silence shall not be construed as a prohibition
against agreement by contract. 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.
As used in this Security Instrument: (1) words of the masculine gender shall mean and
include corresponding neuter words or words of the feminine gender, (2) words in the singular
shall mean and include the plural and vice versa, and (3) the word "may" gives sole discretion
without any obligation to take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security
Instrument.
Loan Number: 0050050012
WYOMING-Single Family- -FannIe Mae/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
Initials)
(Initials)
°orm 3051 3/99 (page 11 of 15 pages)
MWY1ICV
AOZLAMW
(soBed gt /o ZL !Bed) e&'e isoe uuo
9rZ
(slew)
OWE '11
1N3WnlilSNI voiol Nn oeri NPPud/ eri Nuued--Aluvj BIBu!SONIWOAM
Z 100900900 :JagwnN u)30
ddSJI uopvuu03u1 Ia13o ,Cur pug apein aq pinols spualu,Crd goigm of ssalppu am `laoinlas
U 0 Mau alp 3O ssalppu pug alum all aims ttuM lotgM a$uego alp 3O 101011 uapluA uani2
aq !gm IaM01log `laolnzas uro7 all 3o a2uggo r sa alatp 3I •aioN all 3o airs r op palrtazun
Iaoinlas 1180'1 113 3o saWurtp aim! to 1U0 aq WTI osiu aJo •M8i aiquotiddy 1111 luolutupsat
,Citlnoas sill `11011 all Iapun suo1311 Tigo &uiotnzas Ug0i ag8R 10111 IaTlo suuojlad pug 1Ua1un11SUi
,C1unoas site puu a10M all Sap11n ow maul/Cud oipopad sloaiioo imp zaotnlas
all Sr uMou4) ,Cpipua all ui aRuigo g ui Iinsal pl2nu airs •zaMOIIOg 01 00110U Loud InolpTM
saw!) azoul JO auo pios aq 1180 (111OInu3SUt ,Clunoas STE p 13TH IaglaBol) mots' all ui ISalalu1
pnurd a Jo 110N sly •aauenaia) 3o aapoN Liaop ins urol 3o auegj ta3ON 3o airs •0Z
g i uoiloas Iapun uo1lul0ia338 3O asu0 113 TIT
,Cidde Iou tins apu3Salal OI 11iffu sn3 `IanaMOH •palln000 prq 11011rl0i009u 011 Su aA4100330 �iin3
u1uulal pule ,Cgalaq pamoas suopuaiigo ply luaumzlsai ,Clunoas sia3 `IoM011og ,(q puamaimsu al
uodn IaJsurzy spund onlolloatg (p) JO ,(1i1110 10 ,Cltir3Uatun13sut `,(oua$r Tempo r ,Cq pains!!!
018 slisodap asoIM uo1;n111SU1 TIE uodn 11MUlp s1 310110 Tons ,Cur papinold `3100110 S,1OTgSE0 .10
3100110 s,lamsralp `3ioago 3Urq `1o014o parjiuoo (o) `lapzo ,(auoul (q) `gsgo (8) :zapua-i ,iq paioatas
SE `S111103 RuiM0j03 a13 3o aim to auo uT sasuadxa pug Stuns IuatWa1g1SUaal Ions ,Cud IOMOIIOg
11113 almbaz Amu Iapua-i •pagurgoun anu1lu00 togs `puatunllsaj ,(Tunas sup ,ig Palmas
stuns all ,crd o3 uotpu2iigo s,zamozzog pm 'mammal ,Cpunoas sit3 Japan prig!' puu ,(uadold
all 111 lsazaiut s,zapua-i rip amssr op altnbaz ,(igruosuaz Amu zapua-i su 1101108 Bons swirl
(p) puu `luaumzlsui ,(Tunas sn3 Iapun prig!! puu Anadold all 111 Isamu! s,lapua'i 5u1loalold 3
asodznd 013 103 pautiout Saa3 lagpo pro `soal UOUlrni1A puu uoloadsui ,(uadold `saa3 ,sdaUzollg
aigeaosual `01 paplali mu mg `3utpniout Iuaaunllsui ,Clunoas s113 &utoloJua 111 pomp!!!
sasaadxa 1i11 s,(ud (o) :manmade to S1111UOA00 Ial10 ,Cur 3O pin8Jap ,lug saln0 (q) 'pazm000
pug uolpuzaJ000r ou if su 11011 am pug luaumzlsui ,Ciunoas spil Iapun anp aq mom 11a111
goniM satins iiu Iapua'I sArd (8) :10 o1log Irt3 018 5110131puo0 as0Ij ivatunllsui Alun0as Sn3
RutoloJua lUacu8pnf r 30 611uo (111) l0 :amisatal op ig$u S,I0M0ll0g 3 uofuantual a13 103 ,C3loods
pga1UI M81 aigrolddy se pouad 111p0 Ions (It) `.luatunllsai Ail/flogs slap tit pautu1uo0 airs 3O
zaMOd Arm of IugnSlnd Alladold 013 3o airs a10Jaq situp an1J (1) :30 Isa1180 am 01 loud 111111 ,Cur
pu panUpuoosip IUaumzpsUJ ,Clunoas sn3 JO 111011.100J0j110 angst 01 1TBTI alp 0n811 hugs IOMOI1O1
`SUOptpuoo utuua0 snout 1aM011og 3I •uolieJataaay aa3J' Nulsu►ag 03 3T$I11 maMOaaog •61
•zamolzog uo puraaap
JO 101011 z0131n3 ln0ip!M lua1n1ulsui dltznoas sn3 ,Cq pallnUlad saipauial ,cur ailonu1
111111-1 `pouad sill 3o uouuzidxa 0131 of loud sums asap ,igd 01 s1u3 z0M0110$ 31 •luatmulsuI
,ililnoas si13 ,iq pain0as sums nu ,Cud isnui 10M01Og TotmM upppin Si t101p0as TI1M 03ugp10008
tit
110nag SI 0011011 ail 11111 all 111013 s,crp p£ 118141 ss01 1011 JO pouad r aptnold hugs 1011011
alit' 1.10118z030008 JO 0011011 lamozzog 0/12 11811s Iapuol •uotldo sn3 S0Si010x0 1111101 3I
•Mgi ir10p03 ,Cq paligilold si amino Mons 3i
lapuari ,(q pasi010xa aq 3011 tigls uotldo sill `IanamOii luaunulsui ,ilunoas sill ,Cq pamoas stuns
Hu JO tln3 tit luatU,fud alrlpa111111 altnbaz ,Coal lapua'i luasao0 11a11uM zoud s,Iapua-j pnoglIM
(pazlaJsur11 Jo pios st zaM011og ui Isamu! igioi,3auaq r pug uoslad 381111811 r loo si l0MOIIOg
3i so) pa11aJsur11 to pion st ,Cuad0ld all tit ;sazalui ,iuu JO ,illad0ld a13 JO uud ,1111 z0 11 3I
•Iasrlo1nd u of alup airing u 18 zaMOlzog
i(q 1311 30 10Jsagll 1131 s1 Typim 30 111apui alp `1Uatuaal$8 M0I050 to 103111100 saps 111au1iiupsai
`poop 103 30ullu00 `poop 103 puoq u tit p0zlaJsUrII slsalal111 irtogauaq as013 `01 papnug 1011
inq luipntout `Xuadold 0143 111 isalalu1 iutolJauaq JO 38803 Aug swam ,,,(uadold alp tit Isalalui„
`81 uop0as 5113 tit pasn sy •aamoilog tit 3saaa3uj igtattauag 8 ao 4i doad agl 3o aa3susay •gj
257
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: 0050050012
WYOMING-Single Family -Fenno Mee/Fredd4 Mee UNIFORM INSTRUMENT
I.T. 3/00
(Initials)
Initials)
am 3051 3/99 (page 13 of 15 pages)
MWY13CV
AOPLAMW
(se5ed gt 10 VG eyed) 66/c Laos uuo
(81elu�l
00/8 '1'I
1N3WnU1SN1 WUOIINn V •IPPu &SIW eNued--AIlWej elouIS-oNIWOAM
Z1.00SOOSOO:JegwnN ueo,
nng-I aiggoiiddd zapun panwuzad st aaj ate jo gut n qa alp pug pazapuaz saOTAZas zoj
Aund panp o; pied si aa3 atla 3i ,Ciao ;nq 'auaunuisui ,Caunoas sup Suisgapz ioj aaj g zamoazog
agzgga 'Cm zapua' •sisoo uoprpzooaz ,Cun And pugs zannozzog ivauLnzasui ;unoaS sup amp'
tiggs zapua-J `auaumzlsul Animas sup Xq paanoas sums Hu 3o auauiiCgd uodn •asualau •£Z
;I o; pappua ,Cllegat suosaad ao uosaad aq; o; ssaaxa km (a) pug ;uawna ;sui
Animas 9q; ,fq paanaas scans Hu o; (q) '.saaj ,s,fauao ;e atquuoseaa '03 pa ;full ;ou ;nq 'gutpnput
'ales aq; jo sasuadxa pg o; (e) :aapao gutAkolloj aq; ut patldde aq Hugs a Jgs aq; jo spaaaoad
aqs
•ales ,Cue ;e ,f;.zadoad aq; asegaand ,feu aauStsap s;t ao aapuarj •Atw ajggapddd ,fq pagtaasaad
aauugw aq; ut Nos aq pegs ,fpadoad aq; pug 'ales jo aat ;ou alp gstignd JJegs aapuarl •Sj notpas
ut paptAoad aauugu alp ut aaAtoaaog o; ales aq; jo aanou aAt2 pegs aapuari •Alen algealJddd
q;tAt aauepaoaag tit ;uaaajjtp jl ',f;aadoad alp jo uotssassod ut uosaad aq; o; pug aaAMoaaog
o; asopaaoj o; ;Ua ;ut jo aat;ou aAl2 JJggs aapuaJ 'ales jo aaAMod aq; saloAUt aapuari 3I
•aauap!Aa at ;t; jo S1503 pug
saaj ,s,fauao; ;g algtuosgaa 'o; pa ;tug ;ou ;nq 'gutpnpul `ZZ not ;aas stq; ut pappioad satpawaa aq;
2utnsand ut paaanout sasuadxa pe palloa o; page ;ua aq Hugs aapuarl •Alen aJggalJddd ,fq pantuaad
satpauaa aag ;o ,fug pug ales jo aaMod aq; a)JoAUC ,few pug pueuap Jag;an.' ;flo ;lAt ;uawna;sUJ
,f ;tanoas stq; ,fq !Plums suns lle jo JJnj ut ;uaw,fgd a;etpawwl aatnbaa ,few not ;do s;t ;g aapuai
'aat ;ou aq; ut pa1pads a ;ep aq; aaojaq ao uo paana ;ou st ;Inejap alp 3i •ales pug not;eaataaan
o; .1 M0aaog jo asuajap aaq ;o ,fug ao ttnepap g jo aaua;stxa -uou alit passe o; 'tome 3.11103
e 2utaq o; ;ggta aq; pug not;eaataaan as 330 a;g;sutaa o; ;qgu aq; jo aaAtoaaog waojut aaglan3 limp
aat ;ou aqy •,fpadoad aq; jo ales pug ;uawna ;sal Smanaas stq; ,fq paanaas suns aq; jo uopeaalaaae
u! Jnsaa ,few aat;ou aq; ut pagpads ate!) aqt aaopaq ao uo ;Inejap ag; aana o; amine.; ;eq;
(p) pun '.paana aq ;snw ;Inepap aq; gatgAt ,fq 'aaAtoaaog o; uaAtg st aat;ou aq; a;up aq; woaj s,fup
OE mil ssaj ;ou 'am a (a) ;Inepap alp aana o; paatnbaa notpu aq; (q) ;Jnejap aq; (e) :A jiads
Hugs aat ;ou aqs •(astAuaq ;o sapiAoad Awl algeatiddd ssalun gi uot;oas aapun uot;gaalaoae o; aotad
;ou mg) ;uawna ;sal ,f ;lamas stq; ut ;uawaaaag ao ;uguaAOa fug jo gagaaq s,aaMoaaog gutAAolloj
not;eaapaau o; aotad aaAZOaaog o; aat;oU aAtg Jlegs aapuari •satpawag '.uot ;gaalaaad •ZZ
:smolio3
SE Oath pug auguanoo =pug aapuar pun zaMOIO
g 'SINVMdA00 1/11IOdINf1 NON
0846"x'3(.
24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead
exemption laws of Wyoming.
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.
LARRY G STEPHENS
STATE OF WYOMING
COUNTY OF TETON
On the 2-gib day of
LARRY G STEPHENS
ss:
i
[Space Below Thls Line for Acknowledgment]
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
(Seal)
Borrower
A.D. 2600 personally appeared before me
the signer(s) of the above instrument, who duly acknowledged to me that he /she/they executed the same.
My qof fission expires
'r Y
Loan Number: 0050050012
Notary Public residing at:
JicLc
m, LtSl
Pith. 21 2062
WYOMING-Single Family- -Fannie Mao/Freddie Mac UNIFORM INSTRUMENT
I.T. 3/00
2 9
orm 3051 3/99 (page 15 of 15 pages)
MWY15CV