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Hazard or 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 floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. 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, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. 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 any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. 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. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. 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. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, 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 approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve ©®6H(WY) (9403).02 DDS -WY4 Page 3 of 6 Form 3051 9/90 Initials: y LV iAM ZO 1£0i (AM)H9 �1 cn 06 /6 L90E wand •1UatutulsuI ,iltanoaS stgl 3o pug a1oN atlJo ,Cdoo patuaojuoo auo uant2 oq ttgus aamoaaog ,idoj s 9i •atgeaanos aq of pargloap ain aloN alp pug luaunuisul ,ilunoos sup jo SUOISInozd aqf pua sup os, •uotstnoad 2ut1ot13uoo aqf 1no141tM 1O3330 uant$ aq ugO gOtgM aloN aqf JO luaunuUsUI 4.11100S S1111 jo SUO!S!noad .tatllo 1oa33u 1ou !tugs lOtljuOO'Ions `mgt op:m iddy quM slOtT3uoO a1oN aqf 10 luaumausUl 'C1taf00S SIT JO as"tgp 10 uotstnoad ,Cuu lut u 111ana aqf Ul •paluool s! ,Claadoad aqf g3!gm ut uopotpstm f ag13o mgt atll pus mgt teaapa3 pauaano5 aq hugs luautnalsul ,ilunoaS stud, •S mjquaanas :MnZ SutuaanoJ •si •gdEiagaed sup ut paptnoad SE uant;I uagM J4pu01 JO aaMOanOg of uant;I uooq angq of pauraap aq hugs luatunalsul ,ii n s sup u! .Io; paptnoad aopou ,iud •aamoaaog o1 aopou ,iq saru2tsap iapun ssaappu aaglo Sure ao utaaat palms ssaappu s,aapual of uutu ssup 'sit; ,Cq uantg aq !tugs zapua-I 01 aotlou ,iud •Japual o1 aotlou ,iq salgatsap aamoaaog ssaappu aaglo Cue JO ssaappd ,ilaadoad agu o1 paloanp aq !tugs aotlou agu, •poltlaut is poug jo asn saambaa mgt atquottddg ssatun juux ssup Jul" Aq u 5utttgui ,Cq JO 11 2uuanttap ,tq uan!2 aq ages luatunalsul ,tlunoas sup ut iO3 paptnozd aamoaaog 01 aotlou ,iud •saapoN •a10N 0141 aapun ogle luatu,Cgdaad Am lno luatu,igdaad tgt1aed u se paluaal aq Hlm uouonpai aqf `redputad saonpaa purgaa g 31 •aamoaaog o1 luatuSud loanp a 2uptetu ,Cq JO 010N 0141 aapun pamo jgdputad aq3 ;3utonpaa ,iq punjaa sup app uu of asootto Sulu iapuarl •.10M0.1.10g of papun;aa aq IIiM smut pallttu.tad papaaoxa 'plum aamoaaog u1oa3 paloojoo ,ipuaare sums Aug (q) puu :lttuu panutuad am 01 amp aql aonpaa of Aagssaoau lunotuu agu sq paonpaa aq !legs a;3rt mot gons Sue (u) :uatl 'smut palutuaad aql paaoxa ugot aql gum uotloauuoo ut paloajoo aq o1 JO paloajjoo sa;3ijo mot 101410 10 "swam! am 1uJ1 os palaadaalut J !I U J st mut lug! pm `sa5Jugo mot tunuutxuur nos 'plum mut g o1 1Oafgns st luaultulsul ,ilunoos stgl ,iq paanoas mot 014131 •sa;IaetIJ uuo' '£I luasuoo s, aamoaaog 1gg1 lnotplm a1oN ag1 10 luat11n ISUI ,iltanoaS sup 3o stuaal 0143 01 !pax glum suotlupotuur000e Aug qua' JO auagao3 `dJtpoul `pualxa o1 aaag ,iuu1 aamoaaog aagwo Am pug aapuarl 111141 Saaa;3g (0) pm :luauutulsul ,Clunoas sup ,iq paanoas stuns am Cud ou palg;3tlgo Attguosaad lou st (q) `.311auunafsul'iltmoos sun 3o sum' aqf aapun ,ilaadoad aqf u! 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Palmas stuns a1413o lunotuu 0141 uutjl ssat Si $uptul aqf aaojaq ,CTalgtpatuult ,tlaadoad au' Jo antun la)Ia1tu atu3 0141 g0tgm ut Spada'," am 3o ;Iuptul retlaud u 3o mono a141 ul •aamoaaog of mud oq !lugs aouutuq ,iuy •1uptul x141 =Jog ,itafutpatutut Spada'," am 3o awn 30}jautu area 0141 (q) ,iq paptntp '2uptul 0141 =Jog ,ctalutpaururj paanoas stuns am 3o lunotuu ju1o3 aqf (g) :uotloua3 ;3u!motto3 0141 ,iq patldptnur spaaooad am 3o 3unoure am ,iq paOnpaa aq jregs luaurtulsul ,ilunoaS sup Sq Palmas stuns alp `gut3t1M ut aaau OstMaaulo aapuarl pug 10M0a10g ssatun `;Iuptel att3 aaojaq ,Ctalutpauuut 111atunafsul Suanoas situ ,iq paanoas stuns ag13o !'Inure 0143 uugl aaleaa a0 01 tenba st &uptgl 0141 aa03aq ,Ctalutpattttut ,Claadoad ail 3o awn la)jau U atu3 0141 g0114M Ut ,ilaadoad am 3o $uptul repagd u 3o mono am 111 •aamoaaog o1 mud ssaoxa itug g11M 'arm uagl 1011 JO aag3agm `lu0urnalsul ,illmonS situ ,iq paanoas stuns am 01 patjddg aq !tugs sp0000id am 'Spada'," ag13o &uptui telol u 3o Juana am UI •aapua'4 01 mud aq Tlugs puu pauatss1 Sgaaaq 0111 `uopeuurapuo0 3o "tall ut 0otreSanuoo ao3 10 ,ilaa d oad aql 30 !red SUE 30 2untuu aaglo so uopguurapuoo ,Cue 41tm uotloauuo0 ut `retluanbasuoo 10 100a11) `sa;31tuup ao3 ultup 10 paumu ,Cure 3o spaaooad 041 •uopuuutapuo3 '0I •uopoadsu! a141 ao3 asn10 atgeuosuaa 2utjijioads uotloadsut 1111 01 aotad 10 3o aural am lg aotlou aaMOIIOg 0/0 !lugs aapun •,ifaadoad atjl 3o suotlOadsut pug uodn sau3ua atquuosuaa oqutu ,lulu mar sl! JO aapua1 •uotioadsul '6 Mgt atggotlddu JO aapuarl pure aamoaaog uaaMlaq 1uatua01 E ua3u1M ,fire 1.41!M 00U11 100011 ut spua aOUeansut a;3alaoul 003 luauuannbaa 0141 "pun `OAIOSOa SSO4 g aptnoad 01 ao `1oa330 ut aoueansut 011110W ure3utucu of paatnbaa suuntuIaad 0141 ,cud !tugs aaMOaaog •paurelgo st pug ajggjreng saurooaq wag aapua7 tiq panoaddu aaansut ue ,iq paptnoad (saatnbaa aapuarl 111141 pouad 0141 103 pug lunottre 0141 ut) aea0A00 a0UUansuu a2g51aou131 `aapua uopdo 0141 111 `paatnbaa aq aa2uot 011 SEW s3uaur&ud 9 {0 b abed LJ`.1•'./ 6HIWY) (9403).02 DDS -WY4 Page 5 of 6 aJ V U 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. 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 delivered or mailed 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. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) 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; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the 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 paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also may 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 in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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. Borrower shall promptly give Lender written notice of 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. If Borrower learns, or is notified by any governmental or regulatory authority, 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. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances 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. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. 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 paragraph 17 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 paragraph 21, 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 Form 3051 9/90 Initials: rtA 0j£00Z —ZT -8 saJidx3 uo!ssiwwo3 �w Huiwo m }o awe1S *Dun }o Alunoo 1aMOI1og- (ivas) IaMO11og- (ieas) zapRi autog pumas raPRI luautsied sixaamig zapig tiittuud t I 213N1VM A Ndsns :s ,i; LIT oau> I IOMO110a- I0MO1I0g- (iRQs) (teas) [AT.ioads] (s)ratpo zapig luatuanorduti aieg Jam luautdoianaG 1 ?ufl Pamid zaptg umtunuopuoa 4AM a01SO176I (AM)H9 £00Z ZT lsnSny :sandxa uotsstunuoa A IN 13xIuM •X ussns 000z 3snSny ;o 6np qqg sigl auz azojaq paSpaim01.gm sum luaurtulsu! Suio$azoj aq,j, Aq `OAIII^IOAM 10 Al N'S fir? �1� :sassaultM •1t tppyi papzooaz pue ramozrog sq painoaxa (s)zaptr Jfuu ui puu luatunrlsul ICllznoaS sig1 ut pauieluoo slueuanm pue mum alp 01 saaw& pue sldaoou zamozzog `MOZgg OMINOIS Ag zapig VA zapig uooiieg zapig luamSed palunpezO zapi?I am' aigelsnfpy [(sa)xoq aiquotidde vaqo] luaumrlsul A1tznoas sup Jo lied a azam (s)zapu aql 3i se luatttnzlsul 'iliznoas sup 3o sluaumazge pue slueuanoo alp luautaiddns pue puaute Hugs pue o1Ui palezodzoou! aq !jugs rapt.' Bans gaea 3o sluauzaaau puu slueuanoo alp luauttulsul Altmoas spp gum zagla201 papzoaaz pue zamorrog palnoaxa are szapiz WOW .10 auo ji ;uawna;suj i ;tanaas sit;; o; saappd •bZ •,SUadozd alp ut zamop pue Asauno Jo slgSiz tie sagsmbutiaz pue ,ivadozd aql ut uondumxa pualsawoq jo sit ii tie santem zamorzog •saaAieM •£Z •mui aiquoiidde zapun palliuuad st aa3 alp jo SutSzego agl pue parapuar saatnzas ro3 iiuud prig; a o1 pied st aa3 aqi 3i /quo 1nq 'luaumzlsui Altmoas sigl Suiseaiaz zo; aa3 a aamozzog aSrego ifuw zapua-i •slsoo uotleprooaz Cue pied hugs zamorzog zamorzog o1 luatutulsul '!lamas Stg1 asuaiaz iiegs zapua7 `luauznzlsul j(limoas sup pamoas sums ile To luauzifed uodn •aseaiag •ZZ ;n o; papi;ua SiiuVal suosaad ao uosaad aq; o; ssaaxa Sun (a) pun :;uauinaisui 1 ;tanaas sup Aq !mamas sums IIe o; (q) :saa3 ,sfauao; ;e aigeuoseaa 'o; pa ;put! ;ou ;nq 'Su►pniaut 'aius aq; 3o sasuadxa Iie o; (u) :aapao 2uptiolloJ aq; ui paiidde aq jugs ains aq; 3o spaaaoad aq j •aius Sue ;u Spadoad aq; asegaand few aauStsap s ;t .10 aapua7 •nini aiquaiidde £q pagiaasaad aauuuw aq; ui Nos aq !imp Slaadoad aq; pun 'ales Jo aat;ou ag; gsggnd Hulls aapual •bT gdnuSeaed ut papinoad aauuew aq; ut aamoaaog EXHIBIT A Legal Description for Susan Y. Walker 362 The South 6 rods of Lot 2 of Block 4 to the Town of Afton, Lincoln County, Wyoming. ALSO Commencing at the Northeast corner of Lot 3 of Block 4 to the Town of Afton, Lincoln County, Wyoming and running thence West 6 rods; thence South 11 rods; thence East 6 rods; thence North 11 rods to the place of beginning. ALSO Beginning at a point which is 7 rods East from the Northwest corner of Lot 3 of Block 4 to the Town of Afton, Lincoln County, Wyoming and running thence East 7 rods; thence South 5 rods; thence West 7 rods; thence North 5 rods to the point of beginning.