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TQQETIIER WITH all die improvements na•.v or hereafter erected on the property, and all easemonu, appurtenances, and
fixtures now or hereafter ;t 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 it lawfully seised of the orate hereby conveyed and has the right to mortgage,
grunt and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants end
will defend generally the title: to the Property against all claims and demands, subject to any encumbrances of record.
THIS SBCURflY INSTRUMENT combines uniform covenants for national use and nonuniform covenants with limited
variations by jurisdiction to constitute a uniform security Instrument covering real property,
UNIFORM COVENANT'S. Borrower and Lender cove:lant and agree u follows:
1. leyment of Principal and Interests Prepayment and Late Charges. Borrower shall prompuy pay when duo the
principal of And interest on the debt evidenced by the Note and any prepayment and late chargers due under des Nord,
3. Funds for Taints and insurance. Subject to applicable law or to n written waiver by Lender, Borrower shall pay to
Lender on the day monthly payments we due under the Note, until the Note tit paid in full, a sum "Funds for. (a) yearly taxes
and sssseumenu which may attain priority Moot this Security instrument as a lien on the Pro
or ground »nts an the Property, if any; (c) year! hazard or property perty; r fl yeariy b ench l mi payments
if
Y (e) year! molt y P t'9 insuranc rremtnms, (d) yearly flood lnsurunce premiums, if
BAY; a Y 6 insu rance premium if any; and (t) any eumi payable by Borrower to Lender, in nccardanca with he
provisions of paragraph S. in lieu of the payment of mortgage !neurones premiums, These ireine tine called "Escrow Items,"
Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount n lender for a federally related
mortgage Ion may requite for Borrower's escrow necount ander the federal Reel Estate Settlement Procedures Act of 1974 as
amended from 1,ne to time, 12 V.S.C. Section 26O1 art seq. "RESPA unless another law that applies to the Funds sou a leaser
amount. If so, Lender may, at any time, collect mad hold Funds in an amount not I ettcecd the lesser amount. Lender may
estimate the amount of Funds due on the bails of current data and reasonable estimate, of expenditures of future Escrow Items or
otherwise in accordance with applicable law.
The Funds shall be held in an instiwron whos<: deposits are insured by a federal agency. instrumentality, or entity (including
Lender, if Lender is such an institution) or in any Fedora! Homo Loan Bank, Lender Mall apply the Funds to pay the Escrow
Items. Lander may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying
the Escrow Items, unless Lender pays Borrower irtttrrest an the Funds and applicable law permits Lender to make such a charge,
However, Lender may require Borrower to pay a► one•tirne charge for an independent real estate taut reporting service used by
Lander in connection with thli loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law
requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. 8orrowar and
Lander may agree In writing, however, that interest shall bo paid an the Funds. Lender shall give to Borrower, without charge, wn
annual atccounting of the Funds, showing crediu and debits to the Funds and the purpose for which each debit to tho Funds was
made, The Funds are pledged as additional security fur all SUM secured by this Security Instrument.
If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall uccount to Borrower for
the excess Funds in accordance with the requirements of applicable law. If the amount of the Rands held by Lender at any time is
not autncient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, In such ease Borrower shalt pay
to Lender the amount necessary to make up the deficiency. Borrower shall make tap the deficiency in no more Ulan twslvo
monthly payments, at Lender's sole dlecretdon.
Upon payment in full of all sums neural by Vila Suuurlry Instrument, Lender shall promptly refund to Borrower any Funds
held by Lender, If, under paragraph 21, Tender shell acquire or sop the Fropcny, Lender, prior to rho acquisition or sale of Me
Property, shall apply any Funds .held by !.ender at he time of acquisition or sale Ai a credit against t sums secured by this
Security Instrument
3. Apprlcatton of Payments. Unions applicable law provides otherwise, all payments received by Lender under paragraphs
1 and 2 shall bo applied: first, to any prepayment charges due under the Note; second, to amounts payable under parugraph 2:
third, to interest due; /earth, to principal duo; and last, to any late charges due under the Note.
4. Charge; liens. Borrower shall pay all taxes, assessments, chergei, tutu and imposidons attnbutnble to tho Property
which may twain priority over this Security Instilment, and leuehotd payments or pound rents, if any. Borrower shall pay those
obligations in the manner provided in paragraph 2, or if not paid In that manner, Borrower shall pay them on dmo directly to the
person owed payment. Borrower shalt promptly furnish to Lender nil notices of amounts to be paid under this punt/Mph. If
Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments.
Borrower shall promptly discharge any lien which hug priority over thin Security Instrument unless Borrower: (a) agrees in
writing to the payment of the obligation secured by the Ilan in a manner acceptable to Lender; (b) contests; in good faith the lien
by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the
enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to
this Security Instrument. If Lander determines that any part of the Property is subject to u lien which may attain priority over this
Security Instrument. Lender may give Borrower n notice identifying the lion. Borrower shall satiety the lien or take ono or Mort
of the actions set forth above within 10 days of the giving of notice.
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payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period
that Lender requires) provided by an inturer approved by Laufer again become available and is obtained. Burraww shalt pay rha
premiums required to maintain atar1gugo insurance in affect, or to provide n Ion reserve, until the requirement for mortgage
insurance and* In accordance with any written agreement between llorroweer and Lender or applicable low.
0. Ynipectian. Lander Or its agent may snake reasonable entries upon and inapactioni of the Property. Lender shall give
Barlowar notice at die time of or prior to an inspection specifying reasonable cause for the lnapocdon.
10. C4ndem,ratian. The proceeds of any nward or claim for damages,' direct or consequential, in connection with any
condemnation or other taking of any part of the Property, or for conveyance in llcu et condemnation, rue hereby assigned and
shall be paid to Lender.
In the avant of s total taking at the Property, the proceeds shall be npplied to the sums secured by this Security rnatrumeny
whether or not then due, with any elects paid to Harrower. In the event of a partial taking of the Property in which the luu nntrktet
value of the Property immediately before the taking is equal to or greater tiler the amount of the sums secured by this Security
Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this
Security Instrument shall be reduced by the ematnit of the proceeds multiplied by the following fraction: (A) the total amount of
the sums secured immediately before the taking, divided by (b) the fair market wine of the Property immediately before the
taking Any balance than be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the
Property immediately before the taking Is leas than the amount of the sums secured immediately before the taking, unless
Borrower and Lender otherwise agree in writing or unless applicable taw otherwise provides, the: proceeels shall be applied to the
Sums secured by this Security Instrument whether ar not the tuna we then due.
If the Property is abandoned by Borrower. or if, after Hodge by Lender to Sommer that. the condemnor oilers to make an
award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender
is authorized to collect and apply the proceeds, It its option, either to temoration or repair of the Property or to the sums secured
by this Security Instrument, whether or not then duo.
Unless Lender and Borrower otherwise agree in writing, any application of proceed: to principal shall not extend or postpone
the due data of die monthly payments referred to in paragraphs 1 and 2 or change the amount of *uch payments.
11. Borrower Not Released; Forbearance ily Lander Nut a Waiver. Extension of the time for payment ur modification
of amordatolun of the sums secured by this Security Instrument granted by Lender hi any successor in interest of Borrower shalt
not aperate to release the liability of the original Borrower or Borrower's nucesaers in interest. Lander ahall not bu requucd to
commence pray dings against any succemer in intermit or refuse to extend time for payment or otherwise modify amortizaTJon of
the sums secured by this Security instrument by reason of any demand made by the original AOrrower nr Jlortower's successors
in interest. Any for baronet by Lender in exercising any right or remedyshall not be a waiver of or preclude the exercise of any
right or remedy.
12. Sucessuora and Asaigae Bound; Joist and Several Liability; Co•sIgners. The earunatw wed agreements of this
Security Instruttrtutt shall bind and benefit the succeariers and assigns of Lender and Burrower, subject to arc provisions of
paragraph 17. Borrower's covenants anti agreements shall be joint and scvordl. Any Borrower who ce signs this Security
instrument but does not execute the Note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that
Borrower's interest in the Property under the terms of this Security Ins►runrcn1 (b) is not personally obligated to pay the sums
Secwed by this Security Instrument; and (c) agrees drat Lender and any other Borrower may ugtec to extend, modify, forltoat or
Malta any accommodations with regard to the terms of this Security Instrument or r Nato without that Borrower's consent.
13. Lnaa Charges. If the loan secured by ;hie Security Instrument is subject toe taw 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 connector with the toast
exceed the permitted limits, then: (0) My such loan charge shall be reduced by the amount neeesanry to reduce the charge to the
permitted Limit; and (1,) any smuts :!randy collected from Borrower which exciucted permined limits will be reluotdnti to Borrower
Lander may chose to snake this refund by !educing the principal owed under the Now or by making a direct payment to
Borrower. 1f •r refund reduces principal, the reduction will be treated u a partial prepayment without any pn:payrnent charge
under the Note.
14. Notices. Any notice to Borrower providers for in this Security Instrument shell lea given by delivering it or by mailing it
by first class mail unless uppiicable law requires use of another method, The nolioa shall be directed 10 tha Ihopotty Address or
any other address Borrower designates by nudge to Lender. Any notice to t.untlrr shall bu given by tin elms malt to Lunch's
address stated heroin or any other addre m Lender desigrlutea by notice to 13ornower. Any notice provided for in this Security
Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph.
15. tioverning Lew; Severebility. This Security instrument shall be governed by federal We And the law of the
jurisdiction in which the Property 1s located. in tits event: that any provision or clause of this Security Tngtrument or the Note
eonpicts with applicable law, Such conflict shall not affect otter provisirms of this Security iasunmunt or the Note which cnn bu
givers effect without the contliuting provision. To this end the provisions of this Security Increment and hG Note ate declnred to
be severable.
Form 30i WO
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S9SO
BY SIQNINA BELOW, Borrower accepts and agrees to the
any rider(e) executed by Borrower and recorded with it.
Witnesses:
by
STATE OP WYOMING. Lincoln
The foregoing instrument was acknowledged before me this March 5 1998
Arel Lynn Hunt and Patty Lynn
My Commission Expires: January 11, 2000
•Borrawar Patty Ly
•.Hale
PA
County ua:
(4 w)
22. Release. Upon payment of an sums secured by this Security Instrument, 'Lender shall rclente this Security Instrument
without charge to Borrower. Borrower shall pay any recordation costs.
23. Waivers. Borrower waives aA righu of homestead exemption in the Property end relinquishes ctrl rights of curiasy and
dower in the Property.
24. Riders to thle Security Instrument. If One or more riders are executed by Borrower and recorded together with this
Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement
the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument,
(Check applicable box(es)]
R Adjustable Rate Rider D Condominium Rider 1 -4 Family Rider
Graduated Payment Rider Planned Unit Development Rider R Biweekly Payment Rider
R B1411301% Rider El Rata Improvement Rider Second Home Rider
VA Rider E Othar(s) (specify]
and covenants contain in this Security Instrument and in
(Seal)
Borrower
I J 4 (Sell)
4mnwer
eel)
Borrower
Form Hoar UDC
otlgnd AmoN
C38
r 7 pf1 /940 saztdxa uoissiunuo3
°It;as mowo puR purtl iut ssau m
'0002 `Jaguialdas Jo /cup sti dung uuki
fined pui lung uuki jaw gig aut aiojag pa2palnnouloi suns 1uauttursut Suto2azoJ ata
uiooun o klunoj
2ututoiCM o aw is
cores()
EXHIBIT A
Legal Description for
Arel Lynn Hunt and Patty Lynn Hunt
8G4
That part of the NE'/aNE'4 of Section 36, T32N R119W, within the incorporated limits of the
Town of Afton, Lincoln County Wyoming, being part of that tract of record in the Office of the
Clerk of Lincoln County in Book 210PR on page 204, it being the intent to more correctly
describe that tract of record in said office in Book 313PR on page 135, as follows:
Commencing at a point on the west right of way line of U.S. Highway 89 identical with an
intersection with the south line of Nield Avenue, S 77°18'36" W, 159.77 feet from the northeast
corner of said Section 36, found as described in the Corner Record filed in said office;
thence S 89°13'18" W, 185.64 feet, along said south line, to a spike on the centerline of that
easement of record in said Office in Book 278PR on page 82;
thence S 89 °13'59" W, 123.87 feet, along said south line, to the point of beginning;
thence S 00 °28'09" W, 120.05 feet, along an existing fence line, in part, to a point at a fence
corner;
thence S 89 °52'22" W, 128.06 feet, along an existing fence line, to the southeast point of Lot
1 of the Ben Nield Addition to the Town of Afton of record in said Office as Plat No.
307;
thence N 00 °56'00" E, 118.65 feet, along the east line of said Lot 1, to the northeast bathey
thereof, on the south line of Nield Avenue;
thence N 89° 13'59" E, 127.13 feet, along said south line to the point of beginning.