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HomeMy WebLinkAbout86711314rReLEAst 0,55(/ This Mortgage SEE BUL 1 -I 3 L.JF NOMAD l LEAse o This Sort gage 1i0iL or ovum Mme. O State of Wyoming LOAN NO. 041624 867113 FHA Wyoming Mortgage 4/96 C)-4R(WY) (9604).01 VMP MORTGAGE FORMS (800)521-7291 Page 1 of 8 MW 04/96 Initials: RECEIVED LINCOLN COUNTY C.1 00 JUL 21 AN 10. 31 JEANNE `�ti ER KEMMERER, W i'OM»G Space Above This Line For Recording Data] MORTGAGE BOOK 449 PR PAGE 0 6 4 FHA Case No. 591- 0878250 -796 THIS MORTGAGE "Security Instrument is given on July 20, 2000 The Mortgagor isJeffrey D Hendrickson and Jesica F Hendrickson, Husband and Wife "Borrower This Security Instrument is given to Major Mortgage, A Wyoming Corporation which is organized and existing under the laws of Wyomi ng and whose address is 2020 Carey Ave, Cheyenne, WY 82001 "Lender Borrower owes Lender the principal sum of Sixty Four Thousand Three Hundred Ninety Seven and no /100 Dollars (U.S. 64,397.00 This debt is evidenced by Borrower's note dated the same date as this Security Instrument "Note which provides for monthly payments, with the full debt, if not paid earlier, due and payable on August 1, 2030 This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance III 11 1 iii OSG113 of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to the Lender with power of sale, the following described property located in Lincoln County, Wyoming: THE WESTERLY 43 FEET OF LOT 1 AND THE EASTERLY 43 FEET OF THE SOUTHERLY 27 FEET OF LOT 2 OF BLOCK 3 TO THE TOWN OF KEMMERER, LINCOLN COUNTY, WYOMING BEING PART OF THE LAND CONTAINED IN WARRANTY DEED RECORDED SEPTEMBER 18, 1973 IN BOOK 107PR ON PAGE 182 OF THE RECORDS OF THE LINCOLN COUNTY CLERK. which has the address of421 Sapphire Street, Kemmerer [Street, City], Wyoming 83101 [Zip Code] "Property Address 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 seized 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. Borrower and Lender covenant and agree as follows: UNIFORM COVENANTS. 1. Payment of Principal, Interest and Late Charge. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and late charges due under the Note. 2. Monthly Payment of Taxes, Insurance and Other Charges. Borrower shall include in each monthly payment, together with the principal and interest as set forth in the Note and any late charges, a sum for (a) taxes and special assessments levied or to be levied against the Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance required under paragraph 4. In any year in which the Lender must pay a mortgage insurance premium to the Secretary of Housing and Urban Development "Secretary"), or in any year in which such premium would have been required if Lender still held the Security Instrument, each monthly payment shall also include either: (i) a sum for the annual mortgage insurance premium to be paid by Lender to the Secretary, or (ii) a monthly charge instead of a mortgage insurance premium if this Security Instrument is held by the Secretary, in a reasonable amount to be determined by the Secretary. Except for the monthly charge by the Secretary, these items are called "Escrow Items" and the sums paid to Lender are called "Escrow Funds." Lender may, at any time, collect and hold amounts for Escrow Items in an aggregate amount not to exceed the maximum amount that may be required for Borrower's escrow account under the Real Estate Settlement Procedures Act of 1974, 12 U.S.C. Section 2601 et seq. and implementing regulations, 24 CFR Part 3500, as they may be amended from time to time "RESPA except that the cushion or reserve permitted by RESPA for unanticipated disbursements or disbursements before the Borrower's payments are available in the account may not be based on amounts due for the mortgage insurance premium. 4R(WY) (9604) 01 Page 2 of 8 Initials: :3t luatun11su1 AlunoaS stip Aq pamoas sums IIe jo iin3 ut luauwAed aletpamuit altnbal `Aaelaloas 01413o p Aoldde loud aq1 tin" pug 'Y'S'fl ZI `Z861 JO lOd suotuutisui Aaoltsodau ui uuo •1s -u. o alp 30 (p)iti£ uonoas 8utpnput) Ant aiquotidde Aq palltuuad3t `dugs lapual •ienoaddy ;ipaaa inog3 ales (q) •luatunllsui Altanoos sip 11 pautuluoo suotlu8tigo 1agwo Aue uuoJlad o1 `sAgp Autp jo pouad u 1oj iutitu3 Aq siinupap .tamouog (tt) 10 luatui(d Appuotu lxau alp jo amp anp ap uo zo o1 .loud luauznusui Altmoas sail Aq pa/tribal luauzAed Appuotu Aue IIn3 ut Aed o1 8ugpe3 Aq sinuJap lamouog (t) :3t luamn11su1 Al stip Aq pamoas sums ite jo IIn3 ut luatuAvd alutp3unut aitnba.z `slinupap luatuAud jo ono aq1 ut ',Limnos ap Aq pans! suouuin8ai Aq palttuq se ldaoxa `Am lapua-i ;inejaa (e) •3gaa jo uol ;eaala0ay ao3 spunoa9 .6 •Aa111a1oas aq1 Aq pazuotpng sa wino pue saaj loaiio3 Aeuz lapua-1 •saa4 •g •aotlou J0 8utnt8 alp Jo sip OI utgltm anoge tiuoj 1as suot1Oe aq1 3o 01011 10 auo a)Ie1 10 1101 i aql Ajstlus Iiutis 1amo11og •uati 3t 1 3utA;tluapt aotlou u 1aMOU0g ant2 Amu lapun luaum 1su1 Alun3as sttp 1OA0 Aluopd 11!111111 Aeuz gotgM uatl 11 01 loafgns si A11ado1d ap jo ued Atm 111p sauttulalap .iapua'i ji •luaurtulsui Animas spy 01 uati at11 Butleutplogns Japual 01 A1oloejspes 1Uautaa18e uu uatl ap 30 lapiog alp utouu saunas (3) 10 !mil aq1 30 1UatuaO1o3Ua alp 1Uanaid 01 aleiado uotutdo s,lapua-1 agl ut gotgM s8utpaaooid legal `U1 uati alp jo luatuaOIOJua lsutu8u spuaJap 10 `Ali 110!1 011 11!113 poo8 ut slsaluoo (q) `uapua' 01 algeldaoou lauumui a u! uatl aril Aq painoas uopu8tigo alp jo luatuAed aq1 01 Supt1M ut saa18u (e) :1aMouog ssaiun luaunulsui Animas stip 1an0 Aluoud suq gotgM imp Atm a milostp Allduzoid Ii11gs aaMOUOg •aiquAed puu anp Alal11tpaunut aq pugs `iapuaZ ;o uoudo alp le pue `O1e1 0101\1 01(1 111 `luauzasungstp jo amp ag1 tuou3 maim! ivaq pugs slunotue asatu, •luaunuisul Alimoas step Aq pamoas aq pue 1aMOUOg jo Nap I11uotltppe tre atuooaq pugs gde18u1ed stip lapun lapual Aq pasingstp slunouze Auy •z gdai u.zed ut pauopuau! man 1apo pue aouelnsut mum `saxel jO luau'Aed &Utpnput `Auadold aq1 u! s1g8u s pue Auadoud 0141 jo anion aril lOaloud 01 Aaessa0au st lanalegM Agd pug op Am uapuai 110141 `(suotleln8a1 10 sMUi aoaoJua 01 10 uotlgtuuapuoo aoj `A31dnu)Iueq ut 8utpaaoold g se lions) A11ado1d alp ut s1141 s,1apua'l loopy 1Cpueolnu8ts Auto 11181 8utpaaoold le8al a st amp uo `luatunalsui A1unmaS stip in pautuluoo sluatuaaa8u pug sluguano3 aag10 Auu uuo;uad o1 slte3 10 `Z gdgu8eued Aq pannbai sluatuAed ag110 sluatuAed asap ailutu o1 sitej uamouog 31 •s1U0utAed asap 3utouaptna sldtaoal lapual o1 gstulnj Aildtuold Bugs lamouog lsanbal s,lapua-1 uodn `Auadold aq1 ut maim! s,lapua-1 1OajJe Alaslanpu mom Aed o1 a 3I 'luatuAud alp panto st gotgM Arnim aq1 o1 Ap0altp autp uo suopegtlgo asap Awl Imp 1am011og •Z gdua8uaed tit papnl3ut 1011 OR 111111 suoutsodutt pue soup `salmi° Iedionuntu 10 ieluatutuano8 tie Aed hugs 1OM0110g •A;.tadoad aq; ul sul2ra s jO uolPa;oad pue aaMOaaog o; sagae1D •L •01010141 pallpua Ali1Bal A1t4ua am 01 peed aq Begs luatunulsui A1unOaS stip pug 0101111 aril 1apun ssaupalgaput 2utpuelslfo iiu Aed o1 pautnbau lunotue UP 1OAO spaaoold ssaOxa Auy •sluauzAed ions jO lunotuu alp amp 10 Z gdea8eaed u! 01 pomp.' ale g3t1M `s1UauLAed Appuotu ap jo amp anp alp auodlsod so puma 1011 Begs ledtouild aq1 01 spaaooid ap jo uotleotldde Auy •Iedtoupd jo luatuAedaad 01 u0p pug gdeiWeued ut paptnold 1ap10 am Ut patldde slu11ou1 luanbutiap Aug of 151p `1uamiulsut Auunoas step pue a10N aq1 1apUn ssaupalgaput ap 3o uop3npai atp o1 spaaooud lions Aidde Begs Japua1 •luaumalsui Animas spy pue aloN ap lapun ptedun sutetua1 111141 ssaupalgaput alp 30 lunoure IIn3 aq1 30 11101x0 aril 011apua'i o1 Ned aq putts pue paUBtssu Agaaaq 0111 `uotluutuapuoo jo amid ut a3ueAanuo3 10j 10 'Amdahl 3p 3o ued Au11 30 2uplel 1ag10 10 uotl11UUZapu03 Aue q1!M u0p0au10311! 'J111111311b351100 10 10011 `sa811uzep 10J Cutup 10 1211M11 Aue jo spaaoold aqj •uol;euutapuoa •9 Rup1M ut 1a81am alp 02 saal8e 1apual ssaiun pahaut aq 10u imp 011!1 aaJ ptte piogaseal aq1 `Auadoad am 0l app aa3 saltnboe 13M0110g 31 •aseai ag1jo suotstnoud alp iptM Aldmoo liggs lamouog `piogas11al u 110 st 111aum11su1 Altlnoas stgl 31 •aOUaptsal iedtouud 11 se Au0doud ap Jo Aouedn000 s,aaMollog &uIUla3uo0 suotlel11asa1d01 `01 palttup 1011 lnq `gutpnlout `aloini atll Aq paOUaptna 111101 ag1 ptM uop3auuoo ut (uotluuuojut 111ualutu Auu g1tm 1apu0-i aptnold 01 pait11j 1o) 1apual 01 sluauta11118 10 uop1Uz1o3111 0111111331111! 10 asi11; A1111!13111W ane8 `ssaoold uotleotldde 111101 aq1 8uunp `1amo11og 3t 1lnejap ut aq osie dugs 10M011ng •Auadold pauopuege 990 8 0 q 96ed L014096) (AM)a17-110 08€'7113 If the amounts held by Lender for Escrow Items exceed the amounts permitted to be held by RESPA, Lender shall account to Borrower for the excess funds as required by RESPA. If the amounts of funds held by Lender at any time are not sufficient to pay the Escrow Items when due, Lender may notify the Borrower and require Borrower to make up the shortage as permitted by RESPA. The Escrow Funds are pledged as additional security for all sums secured by this Security Instrument. If Borrower tenders to Lender the full payment of all such sums, Borrower's account shall be credited with the balance remaining for all installment items (a), (b), and (c) and any mortgage insurance premium installment that Lender has not become obligated to pay to the Secretary, and Lender shall promptly refund any excess funds to Borrower. Immediately prior to a foreclosure sale of the Property or its acquisition by Lender, Borrower's account shall be credited with any balance remaining for all installments for items (a), (b), and (c). 3. Application of Payments. All payments under paragraphs 1 and 2 shall be applied by Lender as follows: First, to the mortgage insurance premium to be paid by Lender to the Secretary or to the monthly charge by the Secretary instead of the monthly mortgage insurance premium; Second, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required; Third, to interest due under the Note; Fourth, to amortization of the principal of the Note; and Fifth, to late charges due under the Note. 4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all improvements on the Property, whether now in existence or subsequently erected, against any hazards, casualties, and contingencies, including fire, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. Borrower shall also insure all improvements on the Property, whether now in existence or subsequently erected, against loss by floods to the extent required by the Secretary. All insurance shall be carried with companies approved by Lender. The insurance policies and any renewals shall be held by Lender and shall include loss payable clauses in favor of, and in a form acceptable to, Lender. In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if not made promptly by Borrower. Each insurance company concerned is hereby authorized and directed to make payment for such loss directly to Lender, instead of to Borrower and to Lender jointly. All or any part of the insurance proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under the Note and this Security Instrument, first to any delinquent amounts applied in the order in paragraph 3, and then to prepayment of principal, or (b) to the restoration or repair of the damaged Property. Any application of the proceeds to the principal shall not extend or postpone the due date of the monthly payments which are referred to in paragraph 2, or change the amount of such payments. Any excess insurance proceeds over an amount required to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to the entity legally entitled thereto. In the event of foreclosure of this Security Instrument or other transfer of title to the Property that extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall pass to the purchaser. 5. 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 (or within sixty days of a later sale or transfer of the Property) and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender determines that requirement will cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall notify Lender of any extenuating circumstances. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow the Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if the Property is vacant or abandoned or the loan is in default. 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Xpdmord Veils ramorrog `,(ressaoau sr Apadord 0141 2u13aJJu saouersgns snopruz1H ifue Jo uouutpauIar raulo ro IgnoUIar Atre real `iiluogrne £I01Eln2ar ro 1u1u2tuuran0g 2(1919 1Cq paIJ11ou s1 ro 'sumo! ramorrog JI °apaJMOU3I Rum sal lama/tog goigM Jo Awl Inruauruorptug JO aouelsgns snoprezeH 1ue pug ,Craado1d am 8uInjonul Aped arenud ro 1Coua8e Atoigin521 ro I211.10WWU10A0 ,(ug 1(q wpm rag10 r01msMgl `puntuap `urlep `uopallsanU1 Aug JO aotlou 11011uM rapuarl ant$ 1pduzoid Nets 1OMOJIOH Arradord our Jo aoueualuletu or pug sasn leutraPlsar Ieturou o1 alglydorddu aq .o1 pazurgooar 1(ilerauaS 0119 tutu saOUelsgns snoprez1H Jo satltlUenb mews Jo Arradord at11 uo agerors ro `asn `aouasard 0111 or Alddu roil mugs saoualuas 0M1 gulpaoard ata .Hurl luluautuortnug 1119 JO Uot1nlotn U1 s1 rem Arradord 0111 211n0aJ3g Sirugp/Cue `op or asp auo,Cue mope s0u 'Op roil Timis 13M0110g •i(uadord 0111 141 ro uo saounlsgnS snop.rez1H Atm Jo amp.' ro `aSnrols Iesods!P `asn `aauasard ail 1lturad ro asngo 1ou hugs 10M0110g °sa3ue ;sgns snopaezni •91 °luatUnrlsul 1rlm3as sig1 Jo pun aroN am Jo 1doo pauuojuoo auo uan1W aq Hells ramorrog -Alva mamoaaog •Si •algeranas aq or parupap are aroN 0141 pile 1Uatunrlsul ,C11moaS slur Jo suotslnord ag1 pus sup of •uolslnord $upolTJu03 0141 1nouum roa33a uaiq aq Ueo gOTuM aroN 01.12 JO matunrlsul i(1lmoas slur Jo suotslnord raw 1ogJJn mu Iings 1olUuoo tons `M1I algeotlddn gltM Sj3IIJum aroN 0111 ro Iuatungsul 11lmoas stir Jo asnnlo ro uotslnord 1uu rum roan au1 ill •pa1u001 s1 Arradord 0141 uotuM 141 uolrolpsunf au1 Jo Mel ag1 pure Mel Igrapag 1q patuano2 aq mugs luaumrrsul 1llrnaas stud, •B ;lmgeaanas :MeZ guluaanoO .ti •uduaurud slur 141 paptnord sn uan1;I mum rapua-1 ro ramorrog o1 uant2 uaaq angu or pauraap aq tlggs ruaurnrrsul 11lrnoaS sup to roj paptnord a311ou 1ud •10M011011 01 03110U 1q saleu2lsap rapuai ssarppe 1ue 10 ntarag palms ssarppe s,rapuarl or 1ium ssep rsri3 1(q uanrd aq Ilgus rapuarl 01 a311ou ,(uy 10 U0 l or a311ou Xq saleuglsap ramorrog ssmppe raw Aug ro ssmppd Arradord ail of paroar1P aq !pus aollou 0141 •poglatu ragloue Jo asn sarrnbar me[ algnotlddn ssalun Ireur sop lsr1J 1( q 11 $ulugur 1(q JO 1r Vuuantlap 1q uant2 aq 11ggs 1uatunrlsul Allmoas s1u1 U! roJ papptord ramorrog or aotlou Rod •saa foN •£i H 'SINVN3AOO YNRIOdINfl-NON O8O71 069 (i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is sold or otherwise transferred (other than by devise or descent), and (ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or the purchaser or grantee does so occupy the Property but his or her credit has not been approved in accordance with the requirements of the Secretary. (c) No Waiver. If circumstances occur that would permit Lender to require immediate payment in full, but Lender does not require such payments, Lender does not waive its rights with respect to subsequent events. (d) Regulations of HUD Secretary. In many circumstances regulations issued by the Secretary will limit Lender's rights, in the case of payment defaults, to require immediate payment in full and foreclose if not paid. This Security Instrument does not authorize acceleration or foreclosure if not permitted by regulations of the Secretary. (e) Mortgage Not Insured. Borrower agrees that if this Security Instrument and the Note are not determined to be eligible for insurance under the National Housing Act within 60 days from the date hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. A written statement of any authorized agent of the Secretary dated subsequent to 60 days from the date hereof, declining to insure this Security Instrument and the Note, shall be deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when the unavailability of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the Secretary. 10. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in full because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument, Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations that it secures shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to permit reinstatement if: (i) Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commencement of a current foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or (iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time of payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co- Signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 9(b). Borrower's covenants and agreements shall be joint and several. Any Borrower who co -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 Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 4R(WY) (9504).01 Page 5 of 8 Initials: MeRM 0 0 8 )o L e6ed —pig 'dutaxg xEs V EDM JaP!U luatuAud palenpnio I I taptg luatudoianaQ ltull Paid [Snoods] ;amp ;am 1Cltnbg gutmoag I I ;am tuntuttuopuoj •[(sa)xoq aiggotidde Joatip] •luautn Tsui Alunoas sup jo and g atom (s)aapu atp 3i se luautrulsui Alunoas sit jo sluatuaaige pug slueuanoa atp luatuaiddns pug puatug iietis pug olut palgtodaoout aq rinds .tape bons tpga jo slueuanoo aril luatutulsui 'ilunoas spp tptm aatilagol paptooai pug aamoaaog iiq palnoaxa are stapu a.zotu JO auo 3r •;uawna;sui S tangs sail o; saaptg •iZ t01w096) (AMA/17- -M •Alaadoad atp ut aamop pus Amino jo si,t p its sagstnbutiai pug Alaadoad aril ut uotldutaxa pualsatuoti jo sltigta rre santem aamoaaog •saamteM •oz slsoo uotlupaooaa iiue ,Csd rretis aamoaaog •aamoaaog o1 amp lnotptm watutulsui kiunoas sail amp; pugs aapun- `luatunalsui Altanoas sup iq paanoas sums ire jo luauiXed uodn •aseaiag '6T •mul algeatrdde ao gT gdeageaed stq; aapun .iapua'j u o; aigellgne asimaaq ;o small ,Cue jo ,Cae ;aaaaS aq; amladap liegs aqua ;uas autpaaaad aq; ul gulq ;oN lay am u! papiAoad su £;aadoad aq; Itas o; pee aansopaaoj aauawwoa o; ;oy aq; aapun pa ;euaisap aauotssluiwoo aansolaaaoj aul ;sanbaa Sq (•bas 1a ISLE 'y'S'fl Zi) (111 P661 Jo Tay aansoiaaao3 aaea;aon ,frtwu4 aIau!S ag; w papptoad ales jo aamod ielatpnfuou aq; aloAui Sew Sau ;aaaaS aq; '6 gduaasaed aapun illy ut ;uatuSed a;uipawwt saainbaa Sau ;aaaaS aq; pue ,fie ;aaaaS ag; ,fq !nag st ;uauma;sul ,f ;ianaag sly; ut ;saga ;u! s aq; 3I ;t o; paimua Slleaar suosaad ao uosaad aq; o; ssaaxa due (a) pue ;uawna;sul Silanoas stq; Sq paanaas scans Hu o; (q) :sag.; e s,fauaope ajgeuosuaa `o; pa ;tw! ;ou ;nq 'autpnpu! 'ales aq; jo sasuadxa iiu o; (e) :aapao gup tolloj aq; u! !muddu aq !legs ores aq; jo spaaaoad aqi -am ,feu ;e Spadoad aq; asegaand Amu aauatsap s ;t JO aapuai •mei alquatidde fq pagvasaad aauuuw ag; ui pros aq Hugs ,fiadoad aq; puu 'ales jo aal;ou aq; gsiignd pegs aapua7 •ET gduaauaed ul pappAoad aauuuw aq; ui aamoaaog o; ales aq; jo gat ;ou aA!a iiegs aapun' •,uui aigeapdde q ;tm aauupaoaau ui ';uaaa33ip 3l 'Spadoad aq; jo uoissassod ut uosaad aq; o; puu aamoaaog o; asopaaoj 0; maw! 3o aopou anla Hugs aapun' 'opus 3o aamod aq; sa)onu! aapual 3I •aauapina aim jo s;soa puu sag; ,s,Cauao; ;e arquuoseaa '0; palm!! ;ou ;nq 'aulpniaui 'gj gduaauaud siq; ul papimoad saipawaa aq; aulnsand u! paaanaut sasuadxa IIu ;oaiioo o; poi ;pea aq bugs aapun' 'AM aiqualydde Sq pa;;iwaad salpawaa gag ;o Rue puu ales jo aamod aq; glom!! ,few aapuag '6 gduaaeaed aapun irnj ut ;uawked a ;etpaww! saambaa aapual 3I •aanpaaoad aansopaaod •gj BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: (Seal) (Seal) Borrower Borrower (Seal) (Seal) Borrower Borrower STATE OF WYOMING, Lincoln County ss: The foregoing instrument was acknowledged before me this July 20, 2000 (date) by Jeffrey D Hendrickson and Jesica F Hendrickson My Commission Expires: .rntto,rt/ I t 4R(WY) (9604).01 D Hen" i c -son (Seal) (Seal) Borrower Borrower (person acknowledging) Page 8 of 8 030'71.3 0 71 (Seal) s i ca F Hen' ickson -Borrower (Seal) Borrower aaMOaaog NOSNOI! 3 VJI (S6 /ZT PasTnaH g -OTZ d W aaMOaaog NOS >I) r &nN T uousuY dwax xe T sT pup swaa of as o saaabe s aaMOaao M g� NI IS A P Ltd P g 'MO`ISg DNINDIS AE °suoT4eTnbaa buTquawaTdwT agq apnTouT oil pawaap aae pue quawnagsui AgTanoas agq go uoTgnoaxa go agep agq uo goaJJa uT 'papuawp se apop anuanaH Teuaaqui aqf oq aae saouaaaJaH quawnagsui AlTanoas sTgq iq paanoas ueoT agq aog uoTJeoTTdde UP uT apo0 anuanaH Teuaaqui egq. go ET,T uoTgoas go suoTsTno.zd agq oq qoadsaa ggTM TeTaagew sT Teuq qoe; e squasaadaaszw ao sgTwo aaMOaaog (0) ao 'aapTH buToueuT3 gdwaxg xey sTgq go buTUuTbaq auq. qe pagTaosap subTsse ao saossaoons sTT 70 aapuaT agq go quasuoo uaJ1TaM aoTad gnogqTM quawnagsui kgTanoas age uT pagTaosap igaadoad egq, Adn000 oq sTTe; aaMoaaog (q) °apo0 anuanaH TeuaaquI agq go (Z) (T) pue ET,T uoTgoas uT papTnoad se sgTwTT awoouT eTgeoTTdde spaaoxa awoouT /TTWeg asoTM (AT) ao 'apoJ anuanaH Teuaaqui age jo (Z) (T) pue (a) EV7T uoTloas UT papTnoad SP TTe '(saouapTSaa eaae pagabaeq aoJ quaoaaa uegq aagea.zb sT uoT4M gsoo uoT4TsTnboe UP qv OTT ueqq aageaab) aoTad asegoand eaae abeaane agq go quaoaad 06 (TTT) :apoo anuanaH Teuaa1ui agq ;o (Z) (T) Pue (P) EvT uoTgoas uT PaPTnoad SP TIP 'aajSUPaq ao aTes agq go agep a1q uo buTpua poTaad aeaA- aaauq agq go gaed AUe buTanp aouapTsaa TedTOuTad e uT gSaaaquT dTUsaauMO quesaad e peg SPIT ouM (TT) ao apop anuanaH Teuaaqui egq Jo (T) pue (a) E T'T uoTgoas uT papTnoad se TTe 'aa ;sueaq ao aTes a aagge awTq aTgeuoseaa e uTggTM quapTsaa TedTouTad e se Agaadoad agq Adn000 oq pagoadxa aq ATgeuoseaa gouueo ogM (T) :aaaa ;sueaq aaggo ao aasegoand e 0'4 aaMOaaog Rq (MeT go uoTJeaado ao quaosap 'asTnap Jq uegf aallo) paaaagsueaq asTMaaggo ao pTos sT Agaadoad aqq go gaed ao TTY (e) :qT quawnalsui XgTanoas sTgf iq pampas scans TTe go TTng uT quawAed ageTpawwT aaTnbaa Xew 'aap buToueuTa gdwaxg xey sTgq go suoTSTnoad agq gfTM aaMOaaog agq Xq aouei1dtuoo buTansse ao; AgTTTgTsuoc`Isaa awnsse 4uawnaqsuT ageaedas Jq 'dew se subTsse ao saossaoons sqT go Ions ao 'aapuaZ :$MOTTog se aaabe pue queuanoo aaugang aapuari pue aaMOaaog 'quawnagsuI IgTanoas age uT apew squawaaabe pue squeuanoo 8i oq uoTgTppe ui °pagoegge sT qT goTgM oq abebgaoW agq go swaaq agq puawe oq pawaap aq TTegs pug oquT pageaodaoouT sT HgUI2i DNIDNKNI3 JdWSXH-XVL SIHL 2Igai I DNIONVNI3 ZdWUX XVI °abebgaoN age 'UlTM papaooaa pue 'oquT pageaodaoouT aq TTegs wnpuappe aqy °a6eb4aoW aqq of wnpuappv ue sT buTMOTTo; agy Z L 0 UTL9M0 MIGN3cIUV EO 1DIHOW