Loading...
HomeMy WebLinkAbout867166u I.T. 3/00 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 00Q7688112 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 Jul y 18 2000 together with all Riders to this document. (B) "Borrower" is KENNETH L CRAM and APRIL CRAM, husband and wife 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 a n d dated J u l y 18, 2000 The Note states that Borrower owes Lender One Hundred Seventy -Nine Thousand, Nine Hundred Fifty and Dollars NO /10k 3°°t79; 950 -00 r Tiffs tni81'r 3Sr° 'BUTI'tJtVT Vag °]ffl)T1it5t ta /my' t i5° lff fume' Periodic Payments and to pay the debt in full not later than August 1, 2031 (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 u u i V Space Above This Line For Recording Data u u 867166 MORTGAGE RECEIVED LINCOI.N! C TYT ti 00 JUL 25 t r JEANNE KEMME.RE, BOOK__ 4 PR PAGE___.. 6 J WYOM NO- Single Family- -Fannie Mae/FraddIe Mac UNIFORM INSTRUMENT Form 3051 3/99 (page 1 of 15 pages) MWYOICV A3 OAMW (so5ed gp so Z abed) 6e/C 1.9os uuod OLT 00/6 '1'I 1N3W01LLSN1 WHOdINf 3'W •PPud/•eW 14006d-• /wej eIOWS M Z l 1899L000 :JagwnN ueoi saop zamoziog `asodznd slip Jog •apoM aqp pue puatun psui iC)unoaS spp zapun stuaulaaae pue s)ueaanoo s,zamozzog JO aoueuuo;zad pip (q) pue 'atom am JO suoPeoTJIpom pue suoisaapxa `siemauaz flu pue `ueo'l alp jo ;uaulAedaz pup (e) :zapuai o) saznoas ;uaumlpsui Apunoas stgs A L?IadO' Id dH,L Nl S.LHr flI dO 2IaJSNV LL puaumusui Aquinas silt zoipue apoN alp zapun suopu2pgo s,zamozzog paulnsse seq And Imp you zo zalpagm `Suadozd am op app uaxet sell peg) 'Cued Niue sum „aamo uog 3o ;sa za ;ul ul aossaa (d) •ydS32I zapun „ueoi aRe5izout papeiaz Siiezapal„ a se lilgenb;ou saop ueo'i alp ;t uana „ueoi 02e$1zoul pape[az Xiirzapal„ a op pieta.' ui pasodult aze leg) suotpoupsaz pue stuauiazmbaz iie op szalaz „ydS32I„ `tuaulnz)sui ,Ciunoas sup ut pasn sy •zap;euz toorgns OURS alp suzanog teat uoitein2az z0 uoipeis1Val IOSSaoons z0 Ieuopippe AUE z0 `amp 01 aulip umg PaPuau»E aq tggtul Amp se `(OOS£ ued tz) X uot)ein3ag `uopeingaz aurluaulaiduli spr pue (.bas paI09Z 'D'S'fl ZI) )od saznpaoozd ivamapiaS ape ;S$ ieag agp sueaul „visau (0) •tuaulnzpsui S)unoaS slq; to uopoaS zap= sumo= Aug (Z) snid `a)oN atp zapun psaza;ul pue iedtouud (I) zo; ant mom painpagos Aizeinaaz alp sueaut ;uaWAed aipolzad„ (N) •ueol am 'Ito )inelap zo `lo puaulAeduou alp sup wulay zapuai &uraoatozd aoueznsui sum „aaueansuI aSBS;aow„ (hp •Apzadozd alt JO uoptpuoo Jo/pue amen alt `03 se suOissnUO JO ;o Suoiepuasazdazspu (Al) .to uotpeuluapuoo JO nazi ut aoueSanuoo (III) `Suadozd alp to )zed Sue JO HE 3O &Ipp) zaupo zo uopeuurapuoo (tt) `Suadozd alp ;o uolponztsap JO `op a2euzep (t) zo; (S uopoaS ur paquosap sahzanoo aqt zapun pied spaaoozd aoueznsut uegt zaipo) Aped pztrp Aug iCq peed spaaoozd JO `sagemep jo plume `puauraptas `uorpesuadmoo Cue maw „spaaaoad snoauepaasim ('I) E uopoaS ut paquosap aze tem swat asogp ueam „smart moaasa (g) sza;saezp asnog3ulzeaio pateuzo)ne pue `sla;suezp anm `auogdaiap pateptat =mot `suorpoesuezt autgoeal zaiiat pateuzopne `sza;suezt ales jo-putod `op patnutl tou st inq `sapniout uuat tons •tun000e ue ;Two zo Rap o) uopn)I)sul ieroueug azuoupne JO `;onztsul `zapzo op se os adet opau2uul JO `zatnduroo `tuauIru)sal otaogdaia; `ieuiaua3 otaortoaia ue g2nozgp patetptut st gotgm `puaunu)sat Jaded zeilults zo 'um) 'vow ,iq pateapuo uopoesuezt a uegp zagpo `spunl to za;suezp Cue amour „jajsuejj spung oluoa ;aalj„ (f) 'uot)eztue2zo "emu's zo uolpetoosse szaumoaulol `uotpetoosse umtutuiopuoo a Stzadozd alp JO 10m0zz0 uo pasodult aze imp sa2zego zagpo pue stuaulssasse `spa; `sanp iie smut „s;uamssassy pue saag 'sang uol ;elaossy .0 ;cunuIulo3„ (1) suotutdo ietolpnf aigeieadde -uou `ieug aigeoiidde iie se IPM SE (MEI JO pool ;a agp aneq peat) szapzo pue salnz anttumpgmpe pue saoueutpzo `suopein2az `sa)n)eps pool pue aims `iezapal aigeoiidde gutiiortuoo iie sum' „nte-I algeallddy„ (g) zaptg ;uatuSed ,fpiaamig a a p i g a t e 2 i i o w zaPRI zaPRI XItmed t i [Snoods] (s)zarpp puauzdoianaU ttufi pauttem El zappi uoofeg zapm auioH p000aS zapt uzntutulopuoj zapig am' aigepsnfpy [aigeotidde se xoq rap] zamozzog patnoaxa aq o; axe szapu 2UtMOiiol agy •zamozzog Sq papnoaxa aze teat )uaulnlpsui ,C1111130S Sire o; szapu Hu sueaui „szapm„ (9) 9911.,9€0 which currently has the address of 300 HEINER SUTER, CR 127 [Street] BEDFORD 171 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 L I NCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] [City] Wyoming 83112 "Property Address"): Cit p 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: 0007688112 WYOMING-Single FamIly-- Fannle Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) Initials) Form 3051 3/99 (page 3 of 15 pages) MWYO3CV AOPOAMW (sexed gl to q eBed) eeie MC MUM OWE '1'I 1N3WOI LSNI WfOAINn **VI MPPwa/eeW Muuu- -Alwed eIBWSONIWOAM Z L 19991000 :JegwnN uB01 (iuy atop Cue le small mama lie Jo Niue zoj spund zapua-j of fed 03 uopeRilgo s amen Aum zapuoi •smaii mozasg lie JO !Cue Joj spund atp iced 03 uop112ijgo s,zam0zzog sanium zapua J ssalun small mama zoj spund aril zapua-1 Cud Netts zam01z0H •uopoas sgg3 spun pied aq of slunoure jo saopou lie zapua of gsluzcg Alidurozd hens zamauog quail mozosg ue aq ilutis sivatussasse pue saaj 'soup lions pue `zamozzog Aq pamozosa aq `sluatussassy pure saad `sang uoilewossy AiiuntutuoD lem annbar ifeui zapua-1 `ueo-1 aip jo tuzai alp gupnp amp /cue 3E JO UO14E14110 id „•snail mozosg„ pailuo are sauala asa%L 01 uopoas ;o suoisinozd am n3gM =O tupz000e ui surniurazd aou111nsul a$112izoJAj 30 3uatu,ied ails jo non ug zapua' 03 Jamouog algeXed sums Aug Jo `,Cue 31 `stu nuazd o3uumsul a2e2poj, (p) pue :S uopoas zapun zapua'l Aq pannbaz aoueznsui lie pue Cue Joj suinimosd (o) Niue ji `,Cisodozd 3143 uo s3uai punod zo slum Cud plonasea! (q) :,iizadozd aap uo aouesgmnoua JO 110g E se macaw ,Cipnoas sup Jan° ,Cipopd 'nuke ueo goigm stuair Jaglo pue sluauissasse pue sox (e) :zoj anp s3unome jo ivamAed so; ap!nozd 03 „spund„ atp) tuns a `iin3 ug pg11d sg al°N alp iilun `aioN 013 zapun anp are sivaurJ(Ed oipouad Aep 0113 uo Japua-j o3 pied liens zamo1JOg *slum moaosa ao spun3 •sivaui,Ced oipouad am jo `iunoure am aauego Jo 'alp anp atp auodisod Jo puaixa 3011 liens aims' am zapun anp lediouud of spaaoozd snoauEHaosij Jo `spaaoozd aoueznsui 'swam/Cud jo uopeoIdde d(uy •3101 aril u! pagposap se uaip pue so2Jego ivatu,Cedazd Niue 0i iszg paiidde aq !lens sivaurAudazd AJe3tnloA anp sa2reno aiEi iiue of pailddu aq Meru ssaoxa eons `sivatuAud oipouad alma Jo auo ;0 3uautAud Hnj anp of paildde si 3uoniied atp imp sispra ssooxo /cue imp lualxa 0143 of !1143 u! pied aq uio ivatuiced noes `ienl luaixa otp o3 pue `ji smoutfed oipopad atp 3o ivatu,C11daz atp 0i zamozzog wog panga0az luatuAed Niue ,ildd11 kern zapun &uipuelsino sg ivatuXed oipopad auo ue14i grout 3l •aazeno am am pm 3uatuhCed luanbugiap 3141 0i paildde aq Amu 3uauzAed ati3 `anp a2Jego ale! Cue /Cud o3 3unotue luagog;ns a sapnloui nOi14m ivatu,Ced oipopad luanbugiap a 10j zaMOl oll tuarj 3uataked a sangaoar Japual 31 •010N 0113 jo aoueleq ledgoupd atp =pal 0i uatp pue `ivatunzisul ,iipnoas spp zapun anp slunoure 131430 Cue 0i pao0as `sagme i° 0iei of isJr3 pond& aq Huns siu1101ue &ugureuraz iCuy anp atueoaq li 14ogaim ug Japzo anp in luau/Cud oipopad 110e0 03 ponddu aq !lnns sivatrnCed lions uopoas zapun anp siunotue :a3oN atp zapun anp iedrourzd (z) :a30N am zapun anp 3saraiur (4) :A3poud jo zapzo 2up ouoj 3143 ug pagdde aq Huns rapual pandde put: paldaooe s3uatu,Ced Ice `z uopoos sins ug pagposap asimzani0 se 3da0xg •spaaoo.ij JO s3uaur,fud 3o uol ;eailddV •Z •luatunr3sui Aiunoas slim ,iq paznoas sivamaazae pue siueaanOO am &tnauojrad Jo ivatunr3sul Alunoas site pue 3301 alp Japan anp sivaua11d 2upleur rum; Jamozz0g anagia1 Hens zapua'l 3sute5e azninl am UT Jo Mou alien 314gnu JOMOJIOH 14oagm uri11l0 Jo ias33o •aznsopazoj 03 zopd iClaiegpau uig aloN anp zapun aouel1q 411dg0uud &ugpue3s3n0 313 of pagiddu aq light spunj eons `Ja1111a pandda mu 3l •JamoJJog o3 main um3az Jo spunj lions Aidde 101310 !Tens Japua-1 `amp 3o pound algeuosuaz a ugniIM os op 3011 saop Jamozzog 31 •iva1Jn0 ueo-1 0143 2uuq o3 (s)3uauded sa)i1tu IOAOrz0g !pun spunj pagiddeun eons pion dear zapua1 •sputg paglddeun uO isazaiug 1Ced i0u paw Japuol uag3 `3311p anp pal11pag0s s3g ;o Se pagldde si ivaur iud oipopad nova 3l •paldao0e axe sivatuiied lions amp am 3e s3uatuiCed nous Aldd11 03 pa3agg0 iou sg Japual inn `azn3nj alp ui s3uauriCed piped Jo (s)luaui,Ced eons asnJaz of s3142p sic o3 00gpnf2zd Jo zapunaza14 s3143p Aug 3O JOAI1M inotp!m `3uazrn0 ueo1 atp ffuuq 03 luaio33nsug (s)3uaurii1d 111pzed Jo (s)iuow Ed �iu11 1d000e ,!11111 Japuai •3uazzno u1o'l am 2uuq of luaiotJ;nsug are s3uatuiCed 111ilIed Jo (s)luatuSed am j (s)3uatu&ed !miznd Jo (s)3uataiced Aug Timm AMU Japua-1 •gi uopoas ug saogsgnozd a0130u am tplm 00UepJ000e ug zapua1 2Cq pai1aBgsap aq 2ear se uop110oi za143o 140115 311 Jo 010N atp ui paleuRisap 1104311001 am le pangaoaS uanM zapua-1 2q pania0az pauiaap a.re s3uatu211d 1, T 99ti4,9S0 0867166 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: 0007688112 WYOMING-Single Family-- Fennla Mee/Freddie Mao UNIFORM INSTRUMENT I.T. 3/00 173 Form 3061 3/99 (page 5 of 15 pages) MWYOSCV AOeOAM I (seBed 91. Jo 9 eBed) eat Mt Wod T Ms '1'1 1N31WIULLSNI WU0 INf 011• OIPPeid/e quuid -/4wej eloWB•ONIWOAM Z l 1999L000 :ioquanN ueo1 3i `AUadold alp jo 'Ted= 10 uopE1ops0l op paliddE aq pugs `lapua- Aq paltnbal sent aaueinsui guTApapun agl you io laglagM `spaaoold aouelnsui Niue `gurnm ui aa1gE 9g/tug 12M0u0g put lapua-j ssaiun •zantouog Aq 4d-timid apeur you ;t ssoi jo Joond miEUC Aeui lapua' •lapua' puE 10111E3 aouE1nsut ail of aopou ldtuold PAIR pegs 10Mo110g `SS0 ;0 1U0n0 aqp ui •aaAEd ssoi puopippE ue SE io fpue aag1 lout SE lapuai au= pegs pun asnep alit hour wepuels t apnpui pegs ,ioliod lions `,Ciiadold alp `3o uoponlpsap 10 `01 ageuitp Joj `zapua-i paunbal aslMlatpo you `agezano3 aOUnlnsut jo uuoj ,Cue sutelgo .iannouog 3i •saopou ientauaz put sump: id pled jo spdiooal iiB lapua7 Op an? Xpduiold pegs 12m011013 `salmbal zapua-j 3i •somouplao iemaual puE sapfod all pioq op pgffu alp aneq Timis zapua-i •aaArd ssoi iuuopippE um se 1oipue aageglloui se lapuaj au= pugs puE `asnEp anff110u1 plEpuels a apnpUT pets `sapiiod tons anolddesip of ptgu S,zapuaj op loafgns aq pegs saiOiod tons jo siennauaz puE lapua-i Aq pazinbaz satoliod aouvinsui luau/Cud Rupsanbaz zantollop 01 zapuai tuouu aopou uodn `psazapur ions gpiM `aigmAEd aq pegs pue luatuasangsip jo alep ail tuo1; apex atom alp pE Isamu! 1Eaq pegs plume asaty •puaunupsai ,(1TZnOas sigl iiq palnoas Jo/amnia jo pgap ieaopippe aurooaq pugs S uopoas s,qa zapun zapua-i /Cq pasingsip slunoIuE Am •pains ;qo aneq moo 1amo11og pet p aOLElnsui ;o asoo alp paaaxa ApuEogtugis Natal paulm1go os ag U A0 aO11 agp 3O 1S03 alp tap sagpaimotpioe IaMOUOR °1O0330 ui AISUOIA01d SEM uetp 05E13A03 lossai 10 101E011 apiAold ptgtui puE 10 piEzeq 'Asp e(u1 tsulBRE `Ap1ad01d ag1 Jo s1uaauoo ail 10 `Alladold MT) uT 6pinba s,lamollog `1am0110g 1Oal0ld p0U lgWTal zo lggitu lnq `lapual 10A03 Tugs agIlanoo lions `a1oJa1agy •a2e10A0O JO tuna= 1O Odic) 1Einop1Ed Niue asttpind op uopddigo 011 lapun si lapua-i •asuadxa s,1 01111 g put uopdo s,lapua-j le `oRmlano3 aouminsui upEpgo Aetu zapuai `anogq pagposap sagezanoo ail jo duu ufeluirui op si1Ej 10mo110g 3I •1am0uog Cq uopoafgo um Uroz1 gupinsal uotpEUiultapap auoz poog ,Cue 3o MOIAa1 ail mint uop3auuoo ui ,(ouaRy luatuagEUeyQ i(ouaglautg iezapod ail Aq pasodUn scan ,fuE jo luatuAed ail 1o; aigisuodsal aq osim pegs 12ntO110g 11011EOgp1aO 10 uopEUiavapap lions poa33t pggitu ,CTgEuosEaz qOp int z11330 saRtEgo lETTUIIS 10 sguiddBuraz autp !ma sanity luanbasgns pun saopAlas uotleOt plao pue uopEaliulapap auoz poog 103 0g1Eg3 auip -aU0 E (Z) 10 sa3lnzas gup[OE11 put uopEO1Jpzao `uoputq ulapap auoz poog 103 ag1Etp amp-auo a (1) :laipia `un0Z sill glint uOpOaUUOO ui `Aed o, aaMouog alinbal Aeur iapua-i •Aigeuosmalan pasplaxa aq lou pegs pgap gotgM `aaiogo s,lamouog anozddesip of 11(U s,lapua-i of 1Oafgns 1amo11og Act Uasogo aq jimgS aOUm1nsui amp taipinold zalueo aouelnsut Pty •umo-j ail jo Uual ail &ipnp agusgp UE3 saouapuas Buipaoald ail of puenslnd =Tuba' lapuaj letm •saltnbal Jopua-i imp spouad ail zoj put Manzi aigponpap Ruipnpui) s1unoUIE ail uT pauie1uiBIU aq hits aoutlnsu1 sigj, •aOUm1nsul salinbal lapua-i town zoi `spoog puE saaienbgpEa `ol palpui 1011 111q `guipnpui splezet la po ,Cue puE „`a2EZanoO papuapxa„ uuap ail utgpint papnpui. spzezEq 'an ,(q ssoi 1sUlEgE palnsu1 Apladold ail uo paloala 1011t0101( 10 gupstxa MOU spuauranoldtal alp door pugs 1OMo11og •aaulunsui ,Claado.zd •s ueo situ Tint uopoauuoo ut zapua-i ,(q pasn aolnzas gupiodaz zoipus uopeoguan xep alepsa pax E Joj a21Ego aurp -auo E ,Cud op zaMOIJOg alinbal Amu lapua-i y uopaas slip ui anogE gpzo; las suoip3e all 3o ?IOW 10 auo agitp 10 uali all Jspes Timms lamouog `uani2 Si aopou lEtp tpigM 110 apmp atp JO sAep pi ulgptm •Uali all gutjpuapi 03T1011 E 1aMOfog anig Aim zapua^T `tuatunllsui £p1nOas spit SOAO d(puoud uit13E UEO gOTgM ua! E 0) poafgns si Alladold alp 30 Ind Rum leap sauitulapap zapuri 3I •luautnl1sui dlpnoas sig1 op U ail gupeu(plogns lapua'i op dlo1OtJspes luatuaalgE UE uau agl ;0 lapioq alp Uto1u saunas (0) 10 :papnpuoo alt sguipaaoold lions spun ,CTu0 pnq `guipuad a1E sguipaaoold asogp 01(1M 110IT aq1 JO 1u01r0O103U2 alp luanald op apelado uoprido s,zapun ul gomm sgulpaaOoid 086'7166 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:0007688112 WYOMINQ.SIngle Family Fannie Mao/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 175 Form 3051 3/00 (page 7 of 15 pages) MWYO7CV A06oAMw (seBed gi Jog eeed) 66/C ISOC Wad 00/6 •1'1 1N3Wfltl1SNI WtlOdINfl 31W •pP 1 1IuuSS Nlwed e1a49.ONIWOAM Z l 1899L000 :JegwnN ue0J •anzasaz ssol lions uo sguluzEO JO 3sazaluT Niue zamozzog o3 pazmbaz aq iou Hugs zapuaj pue `iin3 111 pied Alafsuzpin sl uuor an imp ioe; alp 2ulpue3stplmiou `aigspun;az -uou aq Ilegs anzasaz ssOJ lions •aoueznsul agegizop\i ;o nail ul anzasaz sso! alqupun;az -uou a se sivamiCed asap unlaz pue asn `3daooe iilm zapua' •3oa; ;a ut aq of paseao affezanoo aouemsat ails uaTlm anp alarm imp s)uaut/cud pa3euglsop iCiaiezedas an jo iunouie alp zapua-i o) /Cud o3 anul3uoo llsgs zamozzog `aigeiisne 3011 s1 aaezanoo aoueznsui agegizop. 3uapAmba Ailepueisgns ;I •zapuaj ,Cq pa3oajOs zaznsui agegizouw aieuzaiie us moij 'raja ur Aisnoinazd aoueznsui ageg3zow am jo zamozzog 03 3soo alp of 3u0ienmba kiiepueisgns 3soo E fe 'raja ut Aisnotnazd aouaznsui agegizoj 01p of 3uaisnmba iiiiepueisgns agezanoo up jqo 03 pazmbaz suuliulazd an lied hells zam0zz0g `aoueznsui a2s23zoj,4 zo; s1uLtuuaid alp premoi s3uauMed pa3eugisap Alaiezedas alum o3 pazinbaz sum zamozzog pue aouuznsul pons papinozd iCisnoinazd isle zaznsui ageguom an utoz; aigeiiene aq of saseao zapuai pazmbaz agszanoo aoueznsui ageSIJow an `uoseaz Sur zo; `3I •ioadja ut aoueznsui agegizop%i ails uniu1EUT of pazlnbaz sumtuwazd alp iced hags lam °u°a `uso-1 ag3 gupiem ;o uopipuoo a se aouumsui agegizoIN pazlnbaz zapua-j ;i •aaueunsul ageg3aoyti •gutitzm 113 zagzalu am 03 saazge zapual ssaiun agJOUT Sou iieti3 app aa; an pue piogasea! alp `,C3zadozd an 03 Opp aa; sazmboe zamo11og ;I •assai 0143 ;o sUoTSAOZd a p 1P Ilitm ,(Idutoo Help zamozzog `pi0tiaseal E uo Si 3uaIunz3sui /tIlmoas size 3I luau/Cud gupsanbaz zamozzog o3 zapuaj umz; aopou uodn Isamu! lions mph `OIgmiced aq Begs pue 3ua1u smgsip jo am) aIp 111o4 aisz a3mi a 143 3s isaza3ut zsaq halls s3un0m asagy •fuatunzfsui ,iiunoas sup Aq paznoas zamozl0 jo 3gap ieuoinppe atuooaq !legs 6 uopoas scup zapun zapua-1 paszngsip wino= Auy 6 u0poas sup zapun pazt1OlpnE suo!3oe IIE JO AIM auple3 3011 zo; MIRE!! ou snout zapual nip paazge si 31 •os op 01 u0psgligo zo /Crop /Cue zapun 3011 s1 pue os op o3 met! Sou saop zapur `6 uopoas s11p zapun 11013oe 0)153 ,Cetu zapua-i Iignogiiy •330 10 110 pain) sa131ir3n aneq pus `suoppuoo snozaguep 10 suopEjOln apoo 10130 zo gulpimq a3sutunla `sadtd mug; zaism urezp `smopulm pus sloop do p3Eoq zo aosidaz 'spot aguego `situdaz aleum o3 A)zadozd an 5uua3ua `03 palm!! Sou s1 3nq `sapnpul ii3zadozd alit guunoas •gunPaaooid ICo3dtu ueq s ut uoptsod pamaas 531 gulpnpul `3uatunz3sul ii3unoas slip zapun s31121z zoipus iC3zadozd alp 111 Isamu! sit 3oa301d o3 saa; ,s/(auzo33s aigsuosem atiVed pus `3znoo uT guusadds (z) `ivatutuisUJ i(iUnoas sup 1an0 ,C3uoud set! golgm paznoas sums Aus gupisd (I) `03 palm!! Sou an 3nq `apnpul 11E3 51101335 S,z07171 •A)zadozd a111 guupedaz Jo /pus gulmoas pug `iCuadoxd alit ;o amen alp gulssasss 10/3115 gul3oa)0zd guuPnpul `3ua1utu3sul Xipnoas suT3 zapun s3t48u p11E I(3zadozd alp u! 3saza3ul s,zapuar! 3oa3ozd o3 a3sud0zdds 10 algsa0ssaz s1 zan03sgm zo; ked pus op £sui zapua uagi `AUadozd alp p0uopuegs set! zamozzog zo `(suopsingaz JO smEI 0310JUa o3 10 ivautn 1SUI /C1111100S sup zano iC3Uoud u1e3ie 'Cum golllm ua1l a ;0 3uautaozo;ua zo; `azn�1a;zo; zo uopeuumpuoo zo; `a3sgozd `/Coidnzulusq 111 gutpaaoozd s ss lions) mum A3lmoas sup zapun S3ggu 10/pus Iivadozd ag3 111 Isamu! s,zapua-i rage Aliueol;lugls 3gglm lEIP gu!Paaoozd Isgal a s1 map (z) `3uaum1Ssul iCiputoas sup 111 paule moo s311011zaazgE pue s3usaan03 0111 11uo;zad 01 sire; zamozzog (I) 3I •3uatutu;suI f3iznaaS sig3 .iapun s3gj pus aip u} 3saza3UI s,.tapual ;o uopoa3ozd •6 •aouaPlsaz Isdlouud s,zamozzog SE X)zadozd ali3 jo ,Cousdn000 s,zamozzog &I1U1 ouoo suo13s3uasazdaz `03 pa31uU1i Sou an 3nq `apnpui suopEivasazdaz iElzafepni •ueo-1 alp mph 110133 UU00 111 (uopsaUo ;u1 IEUa3EUT mph zapuaq aPlnozd 03 pans; zo) zapuaZ o3 s3uaUIa3s3s zo uoIIsuuo;ul a3sznoo5U1 JO `gu1Psalsllu `asie; /implant' aAEa 3uasuoo zo agpaimomi s,zamozz0g mph JO zamozzog ;o uolloazIP alp 3E 2ul3os sa1313ua JO suoszad ,(us zo zamozzog `ssaoozd uoliaoijdde 1150.3 agi &limp `31 Sine ;ap u1 aq dens lamozzog •uoneaiiddV ueo' s,.tamo uog •g 9LT 99T 9S0 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: 0007688112 WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 0867166 (Initials) Initials) 177 Form 3051 3/99 (page 9 of 15 pages) MWYO9CV AOOIAMW (sa5ed 91 Jo 01 °Bed) 6610 ►sOC uuo €LT (slBl>!u1 )7 (B1 001E •1•I maWnulsNI WUOAINn 3'W NPPBJ& "Vl quu, I BIBu1S•ESEWOAM Z t 1889L000 :iegwnN usoi ,C31adoid `saa3 sAatuo33s `o3 paimit3 iou )nq luipniout `3uauuuusui IC3rinoas sT p lapun s311$u pug A31adoJd 3113 uT isa.ia3ut s,lapua-j &upoa ;ozd 3o asodmd app io3 `3pngmap s,J Mo.uog iI1TM uopoauuoo ut pauuojiad saOTnlas 1o3 saa3 1an1o11o11 a81gjo Aeum lapua-I •sa8Jega uIOZ •bi •lapua 3o sug!ssu pug siossaoons app ipauaq pug (0Z uopoas uT papinozd sg 3daoxa) pup! -putts 3uaunuisui A)unoas spp 3o sluamoadu pug s3ugu3A0 ags •&upuM ut aseaiai gons o3 saa1$g iapuaj ssaiun 3uaum13sui A3unoas stii3 lapun X3iptge1i pug suopg2ggo s,Jamollog mop paseapi aq 3ou -pegs Jamming •3uapunl3sui A3 sig3 lapun sijauaq pug s,1aMO11og 3o pig uw qo pugs `lapua-i Aq panolddg si pug `2upum ut luauuuisu- A3Tmoas spp lapun suopu2qqo s,lamouog saumsse ogm 1aMO11og 3o Isamu' ui 1oss30ons Cue gi uot3oas 3o suoTsinOld am 03 3oafgns •3uasu03 s,lau2Is -o0 3113 nunputt a10N am 10 3uaum13sup A3unoas s!113 3o strum alp 03 pietas mot suopupounuoOOu Aug mur 10 1gagio3 `Amour 'puma 03 aa1$g uuo 1amo11og 1aip o £ug puu 1apua'I Imp saai (o) pug :3uaum13sui A3Tmaas sup Aq pumas sums app £gd o3 polu2ggo Aipeuoslad 3ou sT (q) :3uapunlrsui Munoas sppi 3o suuai alp lapun A31ado1d app uT 3sataiuT s,1augTs -oo agi £0n1103 pug wed `a2u831our o3 ,Cpuo 3uapunl3sup d3tmoas sup 2aTuBTs -oo st (g) „1au2Ts -oo„ g) a1om 3113 a3noaxa 3ou saop )nq 3uaum13sui A3T1UOas sppi SuBTs -oo ogM lamozrog Aug `12n0MOH •iglanas pug 3utof aq -pugs Alipqm pug suope3Tpgo s,lamollog 311113 saaJag pue S111g110n03 1amo110g •punog su2issv pus siossaaons :saauBis -03 :,f ;iiiq' n psaanas pus ;um' '£i •/paurar 10 Wu Aug 3o amnia am apnpoald 10 3o 1aATgM g aq iou -pugs `anp uaip 3unoure 3113 urip ssai s3unoure ut 10 1am011og 3o 3sa1a1ul uT S10SS 3 11S 10 sappua `suoslad m113 mop s3uataAud 3o aoutidaoog s,lapual `uopuiUq- lump M `8utprgou1 'Spamal 10 311541 ,pug Buisiolaxa uT lapual aougigaq o3 Any •10m0J10 3o Isamu!' uT S10SS 00rIS ,Cue 10 1amo11og igu!BUo 3113 Aq apgur pugurap Am 3o uosgal Aq 3uaum13sui ,i3ufOas sTg3 Xq palnoas sums am 3o uoT3gzpromg Amour as- Mlagio 10 31131111Ced• 103 aurp puma 03 asnpa1 03 10 1aM0110g 3o 3sa1a3u- ui 1osSa03ns Aug 3suigge s2UTpaaoold a0uauuuo0 0 3 paimbar aq 3ou nulls lapua' •1aMO11og Jo 3sa1a3ui ui S10ssa03ns Aug 10 1aMO11013 3 X1T -Tg 3113 asuajal 03 a3elado 3ou iBets 1aMO11og 30 3Sa1a1ul ur JossaOOns /Wu 10 1am011og o3 rpm Aq pa1uea 3uaunu3sui IC3unOas sppi iCq pamoas sums app 3o uopezplotuu Jo uopgOUIPom 10 3uaur,Ced 103 amp app 3o u0Tsua3xg •Janis% s ;oN aapuarJ ,Cg aaus.rsagaog tpasiaiau ;om J Mo.uog •zi •z uopoas uT 103 papTnold 1ap10 am ut pagddu aq -pegs A3iadold a113 3o _Trial 10 uopg103sa1 03 pagddu 3ou 3111 311113 spaaoold snoaugipaosm pig' •lapua-I 03 Peed aq purls pug pau2Isse Agalaq 3111 X31adoJd app uT 3saIa3UT s,lapuaj 3o 3uauuTudun a113 03 am nqu3 ;g ale 38113 sa8graup 1o3 talup 10 pigmu Aug 3o spaaoold agy •3uaum13sui A3Tmoas stgi lapun s3ggu 10 Aladold 3113 uT 3sara1uI s 3o 3uauutgduit ieua1gut 1a113o 10 iC3ladozd a113 3o a1n3Ta31o3 sapnioald `3uaumpnf s,lapual ui `irnp 2u g glTm passpusip aq o3 8utpaaoold 10 u0i30g app Buisnio Aq `6i uopoas uT papTnold se alulsutal `paunoo0 sett uopelaTaoOB 3i `pug 33nEJap a tons amo 41113 1am011og •3uapmuisui A3pUOas spp3 lapun 53112 11 10 A313do1d am ut 3sa1a1u4 s,lapuaj 3o 3uauUT1dur4 petla1eur 14g30 10 iC31ado1d app JO am3T031o3 uT 33nsa1 moo `3uapmpnf s,lapua-I ut lug) un2aq sT `pgupuu0 10 flATO 1a113a11M `2utpaaoold 10 uoj30e Attu 3T 3in1Jap uT aq -pegs 1amo11og •spaaO01d sn0auupiaos1Ap 01 p1g2a1 ut u0pos 30 314841 g sgq 1amo11og UIOgM 3suig2114i11d am 10 spaaoom snoaugpiaosm 1am0110g samo 311113 A31gd p1n13 am snout „1131ed Butsoddp„ arm uaip 3ou 10 lagiagm `3uapunl3sui /C3imoas 5114 e(q pamoas sums am 01 10 ii31ado1d a113 30 11gda1 10 11013111035a1 01 131113 spaaoold snoau1ipaospAi aq3 Aidd11 pug 3Oappoo 03 pazuo13nu Si 1apu3' `uanTB st aopou a113 amp am rug s,iup p£ uui34M Japua-I 03 puodsal 03 spte3 1amo11og `sa uurgp 103 y."r O p86'166 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: 0007688112 WYOMING-Single Family-- FannIi Maa/Freddia Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) Initials) 1 7 F orm 3061 3/99 (page 11 of 15 pages) MWY11CV AOLIAMW (so5ed gL jo Zl e6ed) sere Igoe w.w ri g (siellNI) (s !Uu1) OWE '1'1 1N3Wntl1SN1 WTIOdINn cow olopoiwowo NuuoA -•Awes eI& ONIWOAM ZLL889L000 ueoi ddSatI uoi3euuo;11T iag10 /Cue pug apeuu aq pinup s3uam/Cud 1oigM 03 ssazppe am `iaOTnzaS 1E01 Mau NI JO ssazppe pug auleu alp a3E3S IITM tOI IM a2uR1O at3 ;0 aOi30u 110131M 112118 aq jjuM iaMOiiog `iaOln.TaS UE0'1 alp ;0 o2u11to E Si gimp ;j •a3ON alp JO ales E 03 pa3Ejazun iaoTnios uEo'j am ;o saWurto aiotm io QUO 2q 3tg3at osje anti' .Mel aigeOljddy pug `Suouiniisuj AiIin °as sig3 `a3o 4 alp iapun suoTSEWTjgo Sup us uEOj aSeguoum zaipo suuo ;lad puE 3uaunu sui iClunoas Slip pug mom all iapun anp sluatuhd olpopad sioaljoo 3elp zaolnzas ugo-I„ all se untomr) MI3ua alp ui aWUEtO E ui llnsai 3112'lui gigs d •1aMOUOg Ol aopou loud 3noipiM sauup aioum io auo pjos aq uEO (luaumusul Alun02S Sup TpTM ialpaBoi) moN atl uT lsaza3UT 111133Rd E io 010N 2gs •aouelaja3 ;o aa13oN :aa0jnaaS ueo-I Jo agueg3 :a3oNT 3o aleS •0Z •8T uopoaS iapun uollezalaaoE ;o OSE3 2111 uT (IddE 3011 Hugs a3E3sUiai 01 3ggu SIT `zanoMOH •pa1m000 pug uopezalaooE 011 ;T SE anpoa ;a jln3 memo netts /igazaq pamoas suopESljgo puE lualunzlsuj /Clunoos snp `ioMouog ,Cq ,1uauta3E3srai uodfl •za;SUEiy spund oTUOiloajg (p) io A333uo io ,(11IEluaunulsul `/Couaag IEZapa3 painsuT 2311 slisodap asogM uopnlpsul uE uodn uMEip sT raw lions /Cue papTnozd `Aoago s,iaigSEO io iloago s,iains11ai3 Vago }juEq Vago par;piao (0) `iapio Xauom (q) `i seo (E) :iapuarl £q pops se `stuio; BuTMOjjo; alp ;o 2101111 io auo uT sasuadxa puE sums 3uauiairisuiai tans d J A Ouog 311113 gimbal hut iapuarj •pa2u11goUn anuT3uoo Hugs luauuulsUJ A1T1n °aS slip pamoas sums am 1Cid 01 uopeSljgo S,iaM01J0g pug `luau1nJlsul 'C1un °aS slip iapun s3g2U pug Suadoid alp uT lsaia3un s,zapua-j 3E1p amss11 0l azrnbai /Clg1uoseaz iC11W iapua-j se 110110E lions salE3 (p) pug 'luaumilsal /C3unoos snp iapun map puE /Cliadoid am uT lsaia1U3 s,zapua- guTloaloid jo asodind at3 io; paunou1 sag; iotl0 pug `sag; uopunJEn puE u0T30adsUT ,Clzadozd `sag; ,s/Cauz01311 ajgquosegi `01 pa311u31 1011 1nq `&gpnjou3 luaumz3sul ii1un0aS spp SuiOJO;ua uT paunou! sasuadxa He &CEd (o) ts3Ualuaai811 io gUEU2n00 iaij3o /CU11 ;o 3jn1;ap ,Cue sain0 (q) :paun000 peg uol3EiaTa00E ou ;T sr mom atl puE 3UaU11U1Saj 'C1un0aS s31p iapun anp aq pinoM Imp 1131 sums HE igpual s1iEd (11) :zamouog 3E1n 0111 suo3STpuoo aso131 •lualunilsuj ASunonS slip Ui010;ua ltauu$pn f 11 ;O Lz3ua (TTT) 10 :a3E3suTai 03 Nap s,zaMOizog ;0 u0IIEUTUTZa3 am i0; ;Toads 31381m ME-j ajgioijddy sE pouad iat3o lions (TI) :luaUmilsuj A3unoaS slip 113 paui1111100 a111s ;o i0A0d /Cue o3 3uensmd Auadoid alp ;o ales azo;aq &Cep gnu (1) ;o 1sa331110 alp 01 loud amp Aug 311 panuT3uoOsTp 3UaUmz3suj A3unoaS slip ;o IUaUUaOSO;ua ane1 o3 1g8u alp anRI jj1ts iam040g `511o31TI/1100 111E1100 maul iaMOUGH ;j •uo3eaalaa0V aa3jy a3e3su3a)l 03 Rata maAtoaaog •6i •I0 0110H uo puetuap z0 a013ou Jalpin; 1nOt3TM 3uOTUnulsUj ,CSunoaS stp pa33T1uzad s paluai /CuE a]jonu3 hut iapuO-j `pouad s3Tp ;o uo33Ei3dxa am 01 loud stuns asoi ,C Ed O3 SITE; IOMOZZOH ;j •3uaUma1suj tt3Tm0aS SUP pamoas sums HE tf11d 3511113 IOMOI1OH 130313M ulg1TM Sj uop0aS t1TM a311E111000E UT uan38 S1 a0T3o11 agl a;Ep alp U104 &C11p p£ uetp SSaj Sou ;o pouad 11 apIAOld hells a0110u atz •u01311104000E JO aopoa Jamul% 0138 hells Japan `uo13do s313 SaSTOZaxa iapual 3I •M114 j11zapa; /Cq pa3TgTljozd s3 as3ozaxa Ions ;T zapual ,Cq pasIoiaxa aq 3011 3311ts Uopdo sigl `JOAOMOH •lUOUT114SUJ ArTU1OaS SIp ,Cq pamoas stuns He ;o 1jn; 111 3uaUUiSEd a311TpaUnU3 azmbai JCeUI zapua3 `111051100 ua333M loud s,iapua-j 3no1p3M (paua;sueu io pjos SI zaM0uOg uT 3saia3111 jeTouauaq 11 pug uosiad 3Em3eu 11 Sou ST iam0uog ;3 io) paua;su11i1 JO pjos s3 Alzadozd alp 113 3saia311j Niue z0 A;zadoid am ;o 11Ed /Cue io 11 3I •zas11t0znd 11 0S am ainln; E 311 zaM0uOg Aq app ;o ia;sU1131 am ST go3gM ;o mom! alp `31101uaai811 MoIOSa JO 1011111100 safes 3uaiuj3El5UT `poop io; 13E111103 `paap io; puoq 11 UI paua;sUez3 ma'am! p puauaq asotl `01 p01311133 1011 lnq `8UIpnjoU3 `/Cuadoid alp 113 1saia3113 le3Oua11aq i0 111821 /Cue sue= „Auodoid at, 113 3saialui„ `81 uOi300S SUp 113 past! sy •a3A4.0aa011 xi! 3saaa3uI 111 3J0Uag a ao ipadoad alp Jo aajsue.j •g1 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: 0007688112 WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 U�3�:'166 181 orm 3051 3/90 (page 13 of 15 pages) MWYI3CV AOVIAMW (soBed gl so eBed) se/s MC wuo ?ST (*mu! 00 (s 00/C '.1:1 1N3WfI1:LSNI WUOdINfl MI MPPeaiI/eeW Nuuy -Awed ell Z 1.8891.000 :Jequ /nN ueo1 •me aigi jddy zapun paliiutaad st aaj alp jo &ii 1 go agi pure pazapuai =inns .toj And prop a of pled si aaj alp ji /quo inq `itaumaisui Aiunoas sit; 2uis>:aiai Joj aaj is iamouog amp i(uw iapua-i •s;soo uopepuooai Cu e Xid Hugs iamouog ;taunt ;sui Siunoas snp aseajai iris aapuar `ivauunzisul iciunoas sigi Al painoas stuns its jo ;uauiCEd uodn •asuaia2I •£Z •;i o; papi;ua ,fjji al suosaad JO uosaad aq; o; ssarxa ,fug (r) pug :luawna ;suI .f ;ianaas slgi ,fq pampas suns lie o; (q) saaj ,s,fauaonu aigguosgar 'o; paiiwii ;ou ;nq luipnpui 'ales aq; jo sasuadxa lle o; (g) :aapro 2uptolloj aq; ul pagdde aq hugs ales ag; jo spaaaord aqj •ales .fug ;e ,f;.xadord aq; asegaand ,few aauaisap s;l ao aapual •At1Z alquailddy ,fq pagiaasaad rauugw aq; ui plos aq pugs 4xadoad ag; putt 'aies jo aapou aq; gs►lgnd hugs aapua' •Sj uopaas ul pap!Aord rauuuw aq; u► aaAMoraog o; ales aq; jo arl ;ou an48 Begs rapuai •Aaw i algeailddv gliAt aaueproaru ai 'ma'am!) di ',f;.xadoad aq; jo uoissassod ul uosrad aq; o; pug raA1orrog o; asoparoj o; ;ua;ui jo aapou aApi pegs rapuarl 'ales jo aaAiod aq; sa)loAui aapuai 3I •aauapiAa app Jo s;sor pug saaj ,sSauro ;g alquuoseaa 'o; pa;iwii ;ou ;nq Iuipnpui 'zz uoi;aas siq; ui papiAoad saipawaa aq; &uinsand ul paaanrul sasuadxa iItt ;tailor o; pappua aq hugs aapuai •A eq alquaiiddv ,fq pa;iiwaad saipawar raq ;o ,fue putt ales jo xamod aq; aqoAu! ,few pug pugwap ragpnj ;noq;pt ;uawna ;sul ,f;ianras sig; £q painaas scans lie do mu ui ;uauiLed ail pawwl aagnbaa Amu uol ;do s;i w rapuai 'ari;ou aq; ui pai3pads amp aq; aaoiaq JO uo palm ;ou si gawp ag; .I •ales pug uopgaalaaai o; aaAAoraog jo asuapap aaq ;o ,fui ro lini pap g jo arua ;slxa -uou aq; passe o; uopre pnor tt Suuq o; ;Op aq; pug uopgaaiarrtt ra ;fie a ;e ;suiaa o; ;Op aq; jo raAAorrog waopul aaq;anj ipugs aapou aqy •,fpadoad aq; jo ales pug ;uawna ;suI ,fapnaas siq; Al pampas suns aq; jo uol ;eaaiaaoe w ;insaa ,few arl ;ou aq; ul pagpads amp aq; aaojaq JO uo ;inepap aq; in o; arnpuj ;eq; (p) pug tpama aq ;snw ;inepap aq; gaigAt ,fq 'raAtoraog o; uaAi2 s>< ari;ou aq; amp aq; worj s,fep OE ug ssai ;ou 'a;ep u (r) ;Inepap aq; arnr o; parinbaa uol ;re ag; (q) ;inepap aq; (e) :,fjpads pugs aapou aqs •(aspuaag ;o sapinord Atul aigeoilddy ssaiun gj uoipas rapun uolpeaapaare o; aoiad ;ou ;nq) ;uawiu ;suI ,f ;lamas siq; ul ;uawaaage JO ;ueuanoa ,fuu jo gaeaaq s,aaAMorrog 2uptollOj uoi ;gaalarrg o; aolad raA+oaaog o; aai ;ou aAq pegs rapuaq •saipawag tuopgaaiarry •ZZ :smoiio3 se aaar putt ;ueuanoo Jaw lapur! par zamo1Jog SIMVNIHAOO NRIOdINfl NOM 99i1,9R0 AO9IAMVI (se6ed 9L 10 gl e5ed) ewe Esoc ew mJoreq pemedde Apeuosied IaMOJJOg- (igaS) IaM0II0g- (jgaS) IaM0II0g- (IgaS) IaM0110H- (ieas) ;n Butpis ai14nd'CmpoA1 [}uew6pelMouloy aoq am spa Moles solids) ooie •t•1 1N3Wntl1SNI 111101INf MIN elPPUd/eeIM .fUVy Nlwej e1 ONIWOAM Z11889L000.iegwnN ueori (Q -2 sairdxa uorssrunuoo r Alriv I00Z '91 4waly sal 110 lsslww03 NI luitudm wain h g to ems P fiInO3 311811d AHY10N 18YHNI3II 133N '8 ewes eyI pelnoexe /ey1/ays /ay Ieyl ew oI pe6pelMoure Alnp ow%'Iuewnilsul enoge eyI Io (s)JeuBls ay) WVHO 1IHdY PUe WINO 1 H13NN3)I to Aep a oul uo �,a 3O Alt f1OD :ss ONIBIOAA1 10 aivis •3i rium papzooai pug Iamoiiog painoaxa (s)iapu Aug ui pug 1uaanuisuj'apnoas sup ut paurgluoo sauguanoo pug suuaa sip 0I saaag pug sldaoog zamozzog `MO'Iag ONINDIS Ag &u?uzoSm jo smgj uoilduraxa imp alp 3o anaztn iiq pug zapun s3I U jig sanrgM pug sasgaiaz zamozzog •sianle t •�z WV/1O 1 WVHO 1 H13N 3)i 086 166 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 Arm: Charlotte Neel- Reinhart The Mortgage Rider is made this 18th day of July. 2 0 0 0 and is incorporated into and shall be deemed to amend and supplement the Mortgage of the same date given by the undersigned (the borrower) to secure Borrower's Note to First Security Bank, N.A. (the Lender)of the same date (the Note) and covering the property described in the Mortgage and located at 300 HEINER SUTER, CR 127, BEDFORD, WY 83112 (property address) In addition to the covenants and agreements in the Mortgage, Borrower and Lender further covenant and agree as follows: A. INITIAL INTEREST RATE. The Note has an initial interest rate of Fight percent 8.0000 B. CALCULATION OF CHANGES. The Note interest rate may be adjusted periodically, as described in the Note. Changes in the interest rate are governed by changes in the prime rate of interest quoted by Prime rate is the bank's announced rate of interest used as a reference point from which the cost of credit to customers may be calculated, and is subject to change from time to time. The bank may make loans bearing interest above, at or below its prime rate. TRANSFER OF INTEREST. Should Mortgagor sell, convey, transfer, assign, lease, encumber, or in any other manner, dispose of the property covered by this Mortgage or any part thereof of any personal property at any time covered hereby securing any or all of the obligations secured hereby, or turn over the possession, management or operation of the property covered by this Mortgage to any person, firm or corporation, or sell, convey, transfer, encumber, or dilute more than fifty percent (50%) of the current outstanding capital or ownership of the Mortgagor, or agree to do the same, without prior written consent of the Mortgagee, then Mortgagee shall have the right at its option to declare all obligations secured hereby immediately due and payable. Consent to any such transaction shall not be deemed to be consent or waiver of the necessity of consent to any other transaction. Upon the occurrence of any such transaction, either with or without Mortgagee's consent, Mortgagee may increase the interest rate of the indebtedness secured hereby to its then prevailing rate for loans of this nature, as substituted rate of interest for that stated on the Note secured hereby. If Mortgagee 0007688112 MORTGAGE RIDER 184 NOTICE: THE MORTGAGE SECURES A CONSTRUCTION NOTE THAT CONTAINS A PROVISION ALLOWING FOR CHANGES IN THE INTEREST RATE. INCREASES IN THE INTEREST RATE WILL RESULT IN HIGHER PERIODIC PAYMENTS. (Page 2 of 2) RID1MCON Noomaia (z!b z a Z l L 8 8 9 L 0 0 0 SS T WVH3 1 WVd3 1 H13NN3 (s)zamouog •anoge 3o iiE o; saaIRE zamozzog `site &upaTs gig °uopoesuezi lions aoapaz oa spzooaz sai 2ui2uEtjo Jo; amp aoinzas aigpuoseaz E pied aq urtis aa2E2azoj °piEsazojp pazmbai auasuoa alp oa uopippe ui `aRe8azoN site pazanoo ii;zadozd alp 3o zaJsupza zo `aotteJCanuoo `aies Cu E 3o aouazzn000 alp uodn •zapunamit suot3ERiigo ,CuE uioz3 paspaiaz aq you Timis zoRERuoysI `a2ERazojs sup Aq paznoas mot alp 3o uopdutnssE oa zo/pue uopoEsueza Bans Niue oa sauasuoo 1 08E0166 186 A portion of the NE1 /4SE1 /4 and the SE1 /4NE1 /4 of Section 4, T33N, R118W, of the 6th P.M., Lincoln County, Wyoming, being more particularly described as follows: BEGINNING at the Rebar found marking a bend in the Center Line of Heiner Suter County Road 12 -127, said point being 753.50 feet N89 °42'04 "W, along the North line of said NE1 /4SE1 /4 from the B.L.M. type Monument (Spike on surface) marking the Northeast corner of said NE1 /4SE1 /4; thence South 1,120.95 feet to an Iron Pipe set; thence N25 °58'09 "W 698.57 feet to an Iron Pipe found; thence North 500.00 feet to a Rebar found marking a point in the North Line of said NE1 /4SE1/4; thence NO °01'40 "E 112.44 feet to a Rebar found marking a point in the Center Line of said County Road 12 -127; thence S70 °11'30 "E, along said Center Line 336.68 feet, to the Point of Beginning.