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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 Form 3057 x,9/90 6R(Wv 02 =s tials 06/6 1.90E wmA 9 1O6aeed ZO'IZ I AM)M 9 •luatunr;sui )(ur mas sire 3o pue a10N arp 3o Ado0 patuojuoo auo uanr2 aq netts zamozzog •,fdoj s,aamoaaog •9I •aTgRZanas aq o; pareioap aze OWN aT1 pue ;uaumr;sui X;pnoas sup 3o suoisinozd am pua sigp oy •uotsrnozd gur ;oti ;1100 atp lnorptm walla uant5 aq ueo goigm a10N art zo pUatutulsui'C;unoaS sire 3o suoisinord iaglo loamy ;ou Timis Iogjuoo Tons 'Am atggoijddg tpim s1ogjuoo a10N alp JO 111aUlnzpsul ,41n00S sire JO asnrp JO uOISIAOzd )rtp MAO atp III 'plum s! 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Jo guD 11 10400 zo uopetmrapuoO ,Cue tp1M u0poauuo0 ui `upuanbasuoo io 1001141 `sa rwrp zo3 t11ie40 zo pzeme Sue 3o spaaoozd aq,l, •uontuulapuoD of •uotl0adsui am zo3 asneo atgeuoseaz guiiC3i0ads uotl0adstu 1111 or mud zo 3o atun alp 11! aoilou JOMOIIOg 0A1 jjtgs iapua'i •Aliadozd ag1jo suoppadsui pue uodn saul11a ajgruosraz alrtu Attu 1uagg sIi zo z01/U01 •uopoadsui •6 •Mr4 algeoi4dde .10 iapua- pug iamouog uaaMlaq;uatuaazge ua1ILM Cur glim a0uepzo0pr ui spua 00URZnsut afaliow zo3 ;uaurazinbaz ail !i111n `aniasaz 5804 t aptnozd o1 10 100330 Ur aOUeinsui aggalzour tnelurrtu 01 pazinbaz stunnuazd oT1 'Crd lugs zamozzog •pauielgo si pue apgrmAe samrooaq mar zapua7 Aq panozddr Jamul ur Aq pap!Aozd (samba zapua-j pup p pouad alp zo3 pug /mom a p ui) 05e10A00 aOUemsui ae$lzour 3i `iapua7 10 mild() arp 1r `pazinbaz air za5uo4 011 Amu sluatv(rd 6Tg 5 2. 0 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 tines 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 -6R(WY O2 fs itials: 06/6 690£ w40j JaMOJJOg- (Iras) JaMOJJOg- (Iras) 000Z/OT/80 rzs :ss Ammo J )1P8 •V U1LP -7 yYp 4 p 27 y� zapm aumH puooaS zaPDI auaui''rd 'Clxaamig z0p121 Alma 9 0 9 aged JOMOJJ0g- (IraS) [Moods] (s)zag3O zap!21 1uauianozduzl a3r2i zapRI ivauidopnac atun pauurTd zapt21 umppmopuo3 zotzlzs) (AM)!i9- SI8t IW 'p[u0AL1 I PM1J d .10J,0LA SSSOZ '0uI SUpo1 ue)OLnd ,C,angsy ,f)pag :01 uungab pup puooai ',-Y saiidxg IioTssiaturo3 XJA JeApg 'y 1,11Lpnp pup Jalp8 aiuuoj sq o 01 4sn5ny spp out aiojaq papaimoulor srm auattumsuc at.IZ U[OOUL1 ssau4iM- ssauLM- I `ONII^IOAM 30 LLV'S 1)"--,-Y7'YY Yl �1'3rl� fi ;W 2)4 Nrow :sassau1!M °3T wpsA papzooaz put z /(q poinoaxa (s)zapp fur ui pur luauin°iasui ,punoas slip uT paum3uoo s1uruanoo pur swim otp o3 saaar pur s1daoor zaMOl0g `MO'Igg ONINOIS Ag zaP!2I VA zappi uooJTrg zapi2T 3uaui/Crd pa1rnpr1O zaprg aiwj aigmsnUpd [(sa)xoq algrogddr loagj] luauinz3sui )(limos site Jo 3zrd r azaM (s)zapu alp 3t sr 3uatutulsui Xpm3os spp ;o sivamaazfir pur sluruanoo alp 3uamaiddns pur puauir imp pur 01ut pa1rzodzoou! aq 11rtis Japu lions gory Jo s3uatuaaAr pur s1uruanoO ow `3uamtu3sul X3unoas sTiI3 IpIM zatpaRo3 papzooaz pur zamozzog pa1noaxa PIE szapTZ az0111 JO 0110 31 •3uautnaisui ,f3Tanaas spp 03 slam) •bZ •,C3zadozd atp ui .OMop pur iisauno Jo s1IT3U TTr sailsmbutiaz pur Auadozd alp ui uopdmaxa pra1samoti ;O s1g5U iir sanflM z0M0J1Og slanteM £Z °smsoo uoprpzooaz /Cur iced Ilrtis zonnonog iamozzog o3 a 'azrgo )noti3!m 3uamnz1sui i(3TZfOaS spp amp.' imp zapua'i `3uauttu1sui IC3pnoas spy paznoas sums pr Jo moutXrd uodn •aseatag •ZZ •3i 01 PaI1!2ua ,fite291 suosaad JO uosaad agI o; ssaaxa Sun (a) pun tluatunaisui Swims spy ,fq pumas stuns iie 01 (q) :saa) ,s,fauao ;3e aigeuosnaa 'o; pa;tutg lou ;nq 'Suipnpui 'ales alp Jo sasuadxa IIn 01 (e) :aapao 2uiniopo3 aq) u! palidde aq iings ales ail) Jo spaaaoad aqy .ales Sue le Spadoad ag1 asegaand ,feat aauaisap s ;T .10 aapual •Mni aiquaildde fq pagpasaad aauunui aqi ui pios aq ilegs Saaadoad aq; pun 'ales 3o aapou alp gsiignd !legs aapual •tit gdea2eand u! paplAoad aauueui aq) u! aannoaaog OS ki7kiki3 EXHIBIT "A" 5`' The North portion of Lot 46 of Amended Plat Bridger Forest Ranches Subdivision, Lincoln County, Wyoming being more particularly described as follows: Beginning at a point in the West line of Lot 47 of said subdivision, said point being North 200.00 feet from the Southeast corner of said. Lot 46; thence running S 89 °59'43" W to a point in the East line of Lot 45 of said subdivision, said point being 200 feet N 0°02'52" E from the Northwest corner of Lot 44 of said subdivision; thence running N 0 0 02'52" W, along the East line of said Lot 45, 209.82 feet to the Southwest corner of Lot 48 of said subdivision; thence running N 89 °57'02" E, along the South line of said Lot 48, 550.47 feet, more or less, to the Southeast cornier of said Lot 48 and a Northwesterly corner of said Lot 47; thence South, along said West line of Lot 47, 210.25 feet to the point of beginning_