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HomeMy WebLinkAbout86722402013605 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 DEFINITIONS Space Above This Line For Recording Data MORTGAGE 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 July 2 6, 2000 together with all Riders to this document. (B) "Borrower" is MICHAEL R SANCHEZ and DEBRA L SANCHEZ, 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 and dated July 2 6 2000 The Note states that Borrower owes Lender One Hundred Fifteen Thousand and No /100 Dollars (U.S. 115 000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than August 1, 2030 (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. III I 11 11 0 01111 01111 111 10111 WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 8672244 RECEIVED C`. LINTY CLi 00 JUL 27 Fr', 2: 51 JEANNE 'H6NER KEMMERER, WYOMING BOOK 449 PR PAGE 289 nftials Initials Fora, 3051 3/99 (page 1 of 15 pages) MWYO1CV ji A3 OAMNI (seBed 91 Jo Z eBed) sae tooe w�oA (,9 swop Jamoiiog 'asodxnd sup Jod •a3oN alp pue luawuJ3suj 'lunoas sup Japun s1uawaalge pue s1ueuanoo s,Jamolzog jo aoueuuojiad ag3 (q) pue :a10N all ;o suopeogtpow pue suoisuapta `siennauaz lle pue `ueoi alp jo luawdedaz alp (e) :iapua -j o3 saznoas 3uawntisuj d1unoas situ, •luawnllsul d1unOas slip zo /pue a3oN alp zapun suopegtjgo s,Jamozlog pawnsse suit Aped 3eq lou 10 impatlm `d3zadold alp o3 app UM) sell imp Aped due sue= „aamoaaog ;0 3saaa3ul uI aossaaans„ (d) VdSfl2I iapun „ueoj a5eg3iOw pa)ejal djlezapa;„ a se d;tjenb wit saop ueoi alp ;t trans „ITEM ageg1z0111 palejal djjelapa;„ a o3 p1effaz u1 pasodwl ale 3eg3 suop pue s3uatuazlnbaz He 01 sza ;az oitdSau„ `3uawnl3sul d1unOaS spp ut pasn sy •lapew loaf awes atj1 stuanog 3mmp uopejngaz Jo uollejSIgal zossaoons Jo jeuoftppe due l0 'atuj3 03 awp wog; papuawe aq 3ggtw Amp se `(005E 3 '2I'tI'0 iZ) x uopeingou s1! pue (bog la I09Z '0'S'fl ZI) 3od saznpaoozd 3110waI110S a3els j ea a a maul „vdsa IH (0) •3uawnz1suj d1unoas stg3 ;o uot3oaS Japun s3unowe Cue (t) snjd'a1oN atj3 Joplin 3sazalut pue jedioutzd (j) Jo; anp 3unoute pajnpagOS djlejngaz atp sueaw „3uacwfrtd alpojaad„ (N) •ue0-j agl `uo 3lne;ap Jo 40 3uaurdeduou aq3 lsutege iapua-j gupoaloid aousinsui sueaw „aaueansuI a2taliow„ (W) •d1zadO1d alp jo uoptpuoo Jo /pue amen sill `01 Se SUOISSWJO JO ;o suope1uasaldaxstw (nt) Jo uopeuwapuoo JO nail ut OOUedanu00 (ill) `d3Jad0l1 atj3 JO 31ed ,Cue JO jle JO guile3 zaglo J0 uol3etnuapuoo (t1) (1Jadozd alp ;o uoporu3sap Jo '01 affeutup (r) zo; (S uopoaS LIT paquosap sa9ezanoo agl iapun pied spaaoozd aouuznsut uetp zaglo) Sped pzltp due (q peed spaaoozd zo `sagewep ;o plume 'luatual33as `uot3esuadwoo due sueaw „spaaaoJ snoauejjaasjytL, ('I) g uot3oaS ut pagposap axe imp swam! asotj3 maw „swa3l moaasa„ (}I) •sla;suell asnogguueajo pa1ewolne put: `sl2;suE4 a1!M `auotldaja3 dq pale131ut S1 Jsue11 `suopoesuel3 aulgoeur lap) paleurofne `sla;sue1l ales Jo-lutod `03 pa11wt1 1ou sr pig `sapnjoul wla3 irons •3tm000t ue 3lpato Jo Rap o1 uopn3psut Ieioueug azuotpne Jo '3onJ3su1 `Japlo 01 se os ade3 Ot1augew JO `za1ndwoo '3uawUJlsut otuogdala3 `jeuptua3 opto13oala up ggnortj3 pa1eptul sr IOtgA `3uawnz1sul Jaded impurs zo '3 ;ezp `1IOago dq pa3eutguo uop0esueJ3 u uutp mint `spurt' ;o za;sulJ1 Aug sue= „Jajsueay spund oluor30ald„ (f) •uopez Jejlutls Jo u0pe1OOSS1 szauMOawog `uo13et0osse wntunnopuoo a dq d31adO1d sill J0 1 M011og uo pasodwt ale imp Saglego 1m10 pue s3uawsspsse `saa; 'soup i1e snout „s3uatussassy pue saag 'sang uolIrrlaossd d31unwuw0„ (1) •suotuldo mount!' ajgejeadde -uou 'Ieug ajgeol1dde jje se jpin se (MEI JO )3a33a atl3 aneg 3etj3) slaplo pue sajru anpe13stuttupe pue saoueurplo 'suopejngaz 'Balms jeool pus aims `jezapa; ajgeoi1dde ffu1JJO1luoo jje mum „&ivi ajgeallddy„ (II) 062 [d ;toads] (s)zagio 1ap121 awoH puooas (B flIuf) ($lv0101 _ram 3uatuded AppaMtg El zap121 3uawdojanaa 3ttifI pauu1Id zaptij wnlulwopuo0 Li 00/8 'i'1 iN3WnU15NI SIPPNd/"V Nuued-- Aquald °1 M noggin() :JogwnN ueol Aimad02id aHI All SJHDRI dO 2IadSNVILL 'nogg gui3uawaldmr JapRI d1luzed j El Jap121 uooljeg El JapRI a111 j alge1snfpd [ajgeoi1dde se xoq Jloago] lams1Jog dq pa3noaxa aq o3 an szapu gutmoll0J aqj •iamoJJog (q pa3noaxa ale imp 3uawnt1suj *non sjg3 03 slaptl jje maul „saapjg„ (0) NMI hereby mortgage, grant and convey to Lender and Lender's of sale, the following described property located in the of LINCOLN [Name of Recording Jurisdiction] SEE ATTACHED SCHEDULE C which currently has the address of 391 B E L L V I EW ROAD [Street] SMOOT Wyoming 83126 "Property Address [City] [Zip] 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: 0007688831 WYOMINOSingle Family- -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) (Initials) 291 successors and assigns, with power COUNTY [Type of Recording Jurisdiction] Form 3051 3ro9 (page 3 of 15 pages) MWYO3CV AOPOAMII (sexed 5l jo y abed) owe Lsoe uuoA (slsllluI) owe •1•I momenta INHOdINn oeW NpppsJ&•Pw •UusA--Ailwej e1 LE8889L000:aeownN ueoi ACuy amp Cue le stuall Mozasg HE JO Aim zol spund zapua-1 o3 And of uope s,zannozzog am um zapua'l •small Mozosg Ile JO Cu e zol Spun3 am And o3 uoi3egTlgo s,zamoUOg san!EM zapuai ssalun small Mozasg zol spund ails zapun And lletls iamozzog •uop °as slop zapun pied aq o3 S3unOme to saopou Ile zapua-1 03 gspuznl Ilegs zamozzog •mall mama un aq Veils s3uamssasse pun saal `sang lions pun `JO/A0110a iiq paMOZOSa aq glue l! `sluamssassy pun soot `Sang uopepossy Airunuuuop p ip gimbal Ae u zapua-j `ueo- ail to Dual am luunp amp /Cue in zo uopeulluo ty ;small Mozosg„ palle° ale small asagy •p! uop °as to suo!spnozd am glTM aounpz000n up swnpmazd a°ueznsul age23zoj to luaut,Ced alt to nail ui zapual of zam0UOg Act algn,fnd sums Ann zo `Aun Ap `smuluazd a°ueznsul ageglzoini (p) pun :g uop °as zapun zapuaj /Cq pazmbaz a°ueznsu! 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And sou paqu zapuarl uatp 'amp anp palnpaq °s sip to se panldde sp luatuAnd °!pouad q °ea lI •paidaooe ale s3uauked g°ns amp ail 3e s3uauiied ions Alddn o3 patn2ggo lou s! zapua-1 3nq `azn3ig aTp u! s3uauiCnd Innlznd JO (s)3uamifnd g°ns asnlaz o3 slggpa sap o3 aOlpnfazd zo zapunazaq slg$u /pun Jo zan!uM tnogtlAt `3uauuo ueo' aqt guuq o3 3uaprllnsui (s)3uauand Iepzed JO (S)3u01/JiCed Niue idaoon Auto zapual •loaUm° ue0-I all tuuq of luapglnsut ale sivaw1ind Iepzed JO (s)3uaui d all 3! (s)3uauasd Iepzed JO (s)luamAed /sue zapuarl •SI uop °as u! Su0lspn0zd a°pou alt 11Tm a°uepo °°e ut zapuaq paleu$TSap aq ,peat SE Dope °o! Jaglo guns 3n JO a 3°N OM') u! pa3eu2lsap uopn°ol am in panlaOaz ua1M zapual panla°az pawaap ale S3uamJied 2 6Z 177.7.1.49R0 Obti7 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: 0 007688831 WYOMING-Single Femly-- FannIa Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) Rs, InjUals) 293 Form 3051 3/99 (page 5 of 15 pages) MWYO5CV A390AMIN (se5ed 91. Jo 9 eyed) erne Inns Wad ($IB@.ul 00/E '1'I 1N311MIISNI WtlOAINn oew i)Nued--AlUBd elDu!SONIWOAM L£8889L000:JagwnN ueo-a ;t `,CUadozd alp ;o ztvdaz JO uolpvzo;saz o; patiddn ag pegs `zapuaj Aq paztnb3z sum aoueznsut 2upClzapun alp ;ou JO zagaagm `spaaoozd aouvmsui `Wuppm ur aadu ast&zarpo za &ozzog pun zapuaj ssaiun •zamozzog Aq Spdumzd apvur ;ou ;t ssoi jo ;oozd Sew zapua-j •zapun- pun zatzzeo aounznsui OM o; aopou ;durozd AT pugs zamozzog `ssoi ;o ;uana a p ui •aa,Cnd ssoi puorltppe uE su zoipuv aa2u5J0m se zapuaj amvu (pugs pun asnep a21Vuouc pznpu1 s n apnioui (Tuffs Soilod tons `,CUadozd arp ;o uoponz ;sap zo `o; ageaiup zo; `zapua-j iiq paztnbaa astmiag ;o ;ou `02nzano3 aouemsui ;o 11110; Cue sute ;go zamozzog •saoi ou iu&auaz pun sunqumazd peed jo sidiaoaz iiv zapual anit' 6pdumzd pegs z0 &ozzog `sazmbaz zapual •salvop iemauaz pun saioiiod att pjoq o; lggtz all anvil pegs zapua7 •aaAvd ssoi inuotltppv ue se zoipuu aaeg ;zouc se zapual auieu (mums pure `asnnp a2e2Uour pzepuv;s v apnioui pegs `sapiiod gons anozddvsip o; ltdu s,zapua-i 01 ioafgns aq hugs saioliod gons ;o siumauaz pun zapun- Aq pagnbaz sappod aouumsut ((y •1uaur&vd &upsanbaz zamozzog o; zapual map 3opou uodn ;sazalut gons g1lm `aiggiivd aq pugs pue luaucaszngstp ;o alvp ail; marl am' a ;oN alp ;e Isamu! nag hugs muumuu asata luaumzlsui A;Imoas spp ,iq paznoas zamozzog ;o ;qap ieuol;ippe aacooaq hugs S uopoas sit; zapun zapua-j paszngsrp sumoumn duy •paunngo aneq pinoo zamouog Imp aouvznsut ;o lsoo alp paaoxa Spuvoptufts 1g2pu pautvlgo os a2ez0n03 aoueznsul alp ;o Ism alp Imp sagpaimowioe zamozzog •1031 ;a ut ,Cisnoinazd sum uvga a2v1 A03 zassai JO za1n0z$ aptnozd Wpm puu Agpgvp JO pznzvq `31su /CUE lsuF5e qUadozd am ;o s;ua;uoo alp zo `AUadozd alp ut A;tnba s,za&ozzog `zamozzog ;oa;ozd ;011 1g2pu zo 1g2Iru -1nq `zapua-i JOAO° hugs agvzanoo tons `azo;azags •agezan03 ;o ;unouzn z0 adiC1 zeinopzvd Aug asugoznd o; uopvtggo ou zapun sI zapun -i •asuadxa s,z3M0Z10g puu uopdo s,zapuaj 1e `aWvzanoo aouumsut uppago /Guar zapun- `anoqu paquosap sagnzanoo ata ;o ,Cuu utel11lvuu o; situ; zamozzog 3I zam0110$ uopoafgo uv uroz; 2utlinsaz vopvataua;ap auoz poop Niue ;o marnaz alp gqm uopoauuoo ut iCouaN ;uauiaRvuvyq AouaBzarwg ivzapad alp Aq pasodun saa; Auv ;o luaucicvd alp zo; aigtsuodsaz aq osiu pugs zamozzog •uopropplao zo uopuuutualap lions 1331 ;e ;tuna ifigvaosvaz gopim zn000 sa5uvgo Jupucts z0 s3utddvuraz atop goes saazngo ;uanbasgns puv saotnzas uopuogpzao put vopvutuuaaap auoz poop zo; agzvgo acct; -3110 v (Z) JO saotnzas Bulfiovzl pue uopvo1JIUao `uopvalcuzalap auoz poop zo; a8zvto aucp -auo a (i) :Tapp `ueoZ still tat& uopoauuoo ur `Avd o; za &ozzog aztnbaz dear zapuaj •digeuosuazun paspzaxa aq 3011 hugs 1gWp gotgm `aoiogo s,zamozzog anozddestp o; iggp s,zapua-i o; ;oafgns zamozzog ,iq u3soto aq (Jets aouvmsul aria &utptnozd zatzzno aouvznsut aqZ 11eo-i 3111 jo uual a111 guunp a2uuto uvo saoualvas gutpaoazd alp o; ;uunsznd saztnbaz zapuaj 11tH •sazmbaz zapuai imp spouad at; zo; pun (slaw' aigponpap Sutpniout) slunbure aril 11! paure;un ur aq putts aouu1nsui stay •0ouemsut sazmbaz zapual gotg& zo; `spoop pun salenbtuna `01 pa ;nut 1011 1nq l'Utpnput spzuzeg zatlo Aug puv „`a2ezanoo papua;xa„ uczal 3111 utgaim papniout spzezvq ssoi lsutv2n pamsut iCuadozd all uo paloaza z01;vazaq JO &upstxa mou s3Uauranozdun alp daa4 (pugs zamozzog •aousrnsuI Apadord •s •uvol stria gat& uopoav11oo uI zapual Aq pasn aotnzas &up1oda1 zo /puv uopvoguan x11 a ;e ;sa pat a zo; agzugo amp -auo E iced o; zamozzog azmbaz Svux zapua-i uopoas spp ur anoqu Lazo; las sUopov aria ;O atom JO auo ale; z0 uati 3113 Jsr ;vs pegs 10M011og `nand sI 0011011 lug; gotgM uo 31Ep 0111 ;O &Cup pI utuiltM .trap alp 2upCjiluapt 0opo11 v zamozzog and Amu zapua-i `;uaUmzlsui IClunoas sup JOAO iCluoud 1111E11E ueo 11011tH uati a o1 loafgns st AUadozd aql jo lied ,Cue Imp soutuualap zapua-i 1 •1uauznz1sul AatznoaS sup o; 11311 alp 2Upvatpogns zapun' o; i(zo ;ou ;spes ;uauraade ue 11333 alp ;o zapioq zip uroz; samoas (o) JO tpapniouo0 azv sautpaaoozd lions (thin 4E10 1nq `2utpuad aze Outpaaoozd aster) aIIIM 11033 aq1 ;o 11I01.1103z01113 alp luanazd of alezado uoturdo s,zapual IIr to111M s&alpaaoozd 08E174'44 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: 0 007688831 WYOMINOSIngle Famly Fannie Mae/Fraddla Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) (Initials) ors 295 Form 3051 3/09 (page 7 of 15 pages) MWYO7CV A3 OAMI (sefed 91 Jo 9 abed) 881/8 ism wwm 96E 00/E '1'1 1N3Wf11l1SNI WHOdINf1 **IN MPP•MAIIM eluue4 -Ag ej eIBu13oMWOAM 1.£8889L000:JegwnN ueoi anzasaz ssoT Bans uo s3uialga l0 Isamu! Cue zamozzog S8d o3 pazmbaz aq 3OU hugs lapual puE 'HT ui pied ATa38aii3in si 11801 alp 3883 3og3 a43 3uipUU3s431m3ou `aigepunjaz -uou aq hugs 0A.10801 ssoi gonS 'aoueznsui a3e33J0yA! jo naii U3 anlasaz SSOJ aigepunJa1 -uou U SE sivaui&ed asap u1U3az pug asn `3daooE 1!M zapua-i •333333 u1 aq 03 pasuao a9eianoo aOuEmsUi alp 11agM anp azam 3Eg3 s3uauuAed pa38u3Tsap ATa3Endas aq3 jo 3 moure 011; z0p11al 03 AEd o3 anupuo3 pegs zamozzog `aiggpgn8 aou s1 a2uan0O aoueznsui a 3uaJSnmba Aiinpuelsgns 3I •zapuaq Aq pa3oaias zaznsul a3E31.10t1 a38aza3il ue 111013 `303333 ui AIsnoinazd aouunsuj a$833zoyl a p jo zamozzog 03 3800 a43 03 3uai8nmba Aiiei3ue3sgns 3803 E 3E 'raga 111 (isnoinald aou8msui a3g331oye1 a43 03 3uaiEninba iCiiepue1sgns a3Elano0 un qo 03 pallnbaz sulnnuazd 343 /cud hags zamozzog `aounnsui a3E33loyg lo3 manual(' 343 pzemo3 s3uaudEd pa3ua3isap ATa3uredas alum o3 pazmbaz sum lamouog pug aouumsui Bons papinozd Aisnoinazd 3843 1a1nsui a38331om alp u1oz3 aigeiienE aq o3 saseao zapual pazmbaz at'EnA03 aouUinsui a3E331ow alp `UOSUa1 ICuu 103 `3I 'papa ui aouEmsui a3833Joysi alp un uigtu o3 papnbaz suunwluald 3 p ARd hugs lamozzog `uuol alp 3ul�ivai 3o uo13ipuo3 u SE a3uEmsui a3833JoiAl pazmbaz zapuaq 3i •aou1unsui agB2pow •0I 3upum ui ma'am 343 03 Saa138 zapual ssaian a31aUU aou Timis af13 aaj 343 Pug piogasuai 0113 `Xuadold alp o3 ai3i3 aaj sai ibot zamouog 3i •asuai ag3 3 suolslnold 3133 Tie g3IM AIduloo ijEgs zamozzog `piogasvai g uo si 3uauunl3sui Allmon si l 3I •3uauaed 3upsanbai zaMOizog o3 1apual map aor ou uodn `3sa1 3ui Bons g3iM `aiquAud aq hugs pua ivauzasmgsip jo amp ag3 tuo13 am *am alp 3E 3sala3U1 nag pugs snmolu8 asa a •3uaUUn13sUi 3un °as sig3 pamoas J M011og 3O 3Qap iguol3ippu auto3aq hugs 6 uo133as sig3 zapun lapual ,Cq pasingsip s3Unoum JCud 6Uo133as s11T3 zapun pazuotpnu suoi30E Till to ICuu 3up183 aou 103 IC3pig1g 011 sln0ui zapua-i 3883 !mar 81 3i •os op 03 uoi3E3pgo JO A3np iCue zapun aou si pu8 os op 03 anug aou saop 1apUal `6 uoi33as spp Iapun uor308 3183 Sent zapual g3nolpid •330 10 110 pawn) sapppn aneq pull `511oi3ipu03 snola3urp to sUOi3gioun apo3 13130 l0 311ipimq a ;uunuiia `sadid 111013 l03EM urezp `sMopuim pug stoop do pz8oq JO aouidaz `spoi a3uEgo `slredal awl o3 4i3dold 3133 3uua3ua `03 pa3mup aou si 3nq `sapnpui ii31ado1d alp 3upnoaS •3u1Paaoold /CO3dnzlu1q g u1 uopisod pamoas 83T 311ipnioui `3uaUunz3sUi 'i3um °aS s1g3 zapun 831$11 1oipU8 ,CUado1d alp 111 3sa1a3U1 s31 333301d o3 saa3 ,s,iaulo33e aig8uos8az SuiAEd pull `311100 UT tuUEaddu (z) `3uauinz1sui /C3un0as s1133 1an0 X3uoud sug Trot 11313 a Aq pamoas stuns Auv Ruikud (3) `03 pa3Uuii 3011 31E mg `apnioui uuo suoi;ou s,lapual 'Auadozd 343 3uun daz zo/puu &tunas pug `Xuadold 3133 3o ani8n ag1 $11issass8 zo/puu 3u13oa3ozd 3u1Pni0U1 `3uaumzlsui 1(3limas SUP zapun S3g311 p118 Avadold 3133 111 Isamu! s,lapual 30a301d o3 a;uudoz 3d8 10 aig8uosual 51 lana3EgM lo3 £8d puE op X8uu 1apual ualp `ifuadold alp pauopu8g8 5811 lamOlzog to `(suopein9ai 10 SMUT ao103ua 03 to 3uaUmz3sui !moos snp zano A3u0ud 1118338 d(8a1 1i0igA trap u 30 11at1a3103aa 103 `a1n31a31o3 10 11o13uuu1ap11o3 io3 `a1egold `Xo3dn1)iu8q 111 311ipaaoozd 8 s8 ions) 311auin13sui 'f3unoas 6113 zapun map 10 /puE /C31ado1d a43 ui Isamu! s,lapual 303331 3gOn11 38113 9u3Paa0o1d 38933 u si 31313 (z) `311au11113s11i 'C3umas s13 111 pau183uo0 s3uau1aa198 pub s3uEUan03 an UuO3zad o3 sp83 zaMOIog (i) 3I •3uamna3sui S3i.in3a8 sign .iapufi s3 puu ,f;Jadoid ag; ui ;saia ;ui s 3o uoi33a;o1d •6 •a3uaptsal i8dt0uud s,zamo1log sr icuadold alp 30 Aouudn33o s,zamozuog Sumla0uo3 SUop83Uasa1dal `03 pa31(1113 3011 ate 3nq `apni3u1 s11oi383uasazdaz i8ua38II •11801 ago 43IM 110130au1100 111 (uo138ui1oju1 3831338111 1pim lapual apinold 03 pape3 lo) 1apual 03 s3uauza3u3s JO Uoi3EaIlOju3 33811100831 10 4 9U3Pua3s11u `asig3 Aii8IIa38a1 3A89 311asuo0 to a9paim0U}i s,lamozlog I33TM to zaMOZZOg 30 11033031ip alp 38 9111338 sa13!3ua to sa0szad 10112 10 13M0J1og `ssa0ozd uoi3u313dde u8o' alp 3uunp `31 3inejap 111 aq pegs zamozzog •uopua1iddy uuol s,.xaAto.uog .8 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 slims 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: 0007688831 WYOMINOSIngle FamAy..Fannla Maa/Fnddla Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) Initials) 297 Form 3051 3/99 (page 9 of 15 pages) MWYO9CV A3OIAMw (se5ed 91 Jo 01 o5ed) sae ►soe uuo 86Z oo/c '1'1 1N3WflkUSNI MltloArNn DEW•IPP•d/• eluuu-AIPu 4 e18u19-ONIWOAM LC8989L000 own Suadozd `saa3 sX3uzop ;e `o; p33uuti aou pnq `gutpniout 'mammal al Apunoas sup zapun slggu par Apzadozd am in asazaaua s,zapuaJ guuoaaozd ;o asodmd am zo3 lingap s gait uotioauuoo tit pauuo;zad saOtnzas zo3 saa3 zaMOZZOg agzegp zapuaj •sag.iegj uso' •,j •zapua7 3o sugissr pug szossaoons alp pgauaq pm (0Z uopoas tit papino1d se 3daoxa) puiq pegs luauiiu sui ,iaunoas sup Jo sluauaaazgg pug smug/too agy g11puM Ur aseaiaz lions 0a saazgg zapua-i ssaiun Imam 'iaunoas sign zapun ,Cpt4igrg pug suouggiigo s,zaMO11Og rum pasuaiaz aq 3ou iris zatozzog 1U0uuu3sUJ Aaunoas snip zapun saijauaq pug salgu sjatozzog Jo JJe u ?gago iirls `zapual sq panozddd si pug `gula!1M ui mamma' ,Caunoas sign zapun suoiaggiigO s,zatozzog saumssu mint zaMOZZOg 3O Isamu' tit zossaoons Am `gi uopoas ;o suotsinozd alp o3 poafgns •auastio° maUgis -oo aria anoiiaTM aaom aria z0 3u31tit 13SUJ Aaun °as sign Jo smai 3 p 0; paw iialM suoprpou[UI000r Am algid zo zragzo3 `Aipour 'wawa o3 3aar uez zatozzog zag;o Aug pug 13pua-t i1 saazgg (o) pug :puaumzasui Agmoas stop sq pamoas sums ago pied 0; papegtigo (iiguoszad aou St (q) :auauznzasui Apunoas sup ;o =al alp zapun AUadozd am tit 3sazapu! s,zaugis -oo am ICanuoO pug 3U811 `agrg3zoua or Alm 3ua1unz3sUJ A;unoas sign guuagis -oo st (r) „zaugis -oo„ 1) moist alp apnoaxa aou saop pnq 3uaumz3sui Apunoas sup sugis -oo oIJM zatozzog i(ur `zanatog 'maws pug autof aq Jiels A3titg1g pug suopegtjgo matozzog Imp saazgg pug s3UruanoO z3MOZZOg •punog su24ssd pus szossaoons :saauS4s -op :A;►tiger' ieaanas pus ;uiof '£I •Apauaaz JO 31 J1 Aue Jo 3s1OZaxa 3113 apnioazd z0 ;o zaniBM a aq you pegs `anp tram mum am uggp ssai s3unome tit JO JO/110110a ;o asazaaut tit szossaoons JO Sappua `suoszad comp uioz3 s3u3uaArd 3o aoue3daoor mama/ `uopeauuti uuninM `gutpniout Spauaaz JO 311gu Cu /e gutsiozaxa tit zapua-i sq aOUezeagz0J ,Cud •zaMof0g Jo psaza3uJ tit szossaoons Cue JO 13MOZZOH irurguo 3143 Aq opera primp Aim ;o uosgaz Aq 3uatunz3SUJ A3imoas sup sq pam0as sums alp JO uoprzpIot r ApPoui asTMZat p0 z0 3uaUlA1d 103 amp puaaxa o3 asnJa1 O3 JO zatozzma Jo imam' tit zossaoons ,tug 3SU131 sgutpaaoozd aouauuzao0 oa pazmbaz aq mu pegs zapun' •zaMOZZOg ;0 3Saza3UJ ui szossaoons ,Cur z0 zaMO1JOg Jo Anse!J ago asraiaz 0p a3glado 3011 pegs z3t0110g Jo 3saz3put tit zossaoons Cue JO zaMOJJOH 0; zapua-t sq pa3uez2 auaurtu3suJ A3iznoas sup sq pamoas sums ago Jo uoprzpz0lue Jo uopro IpoUI z0 3u311IiCrd 10j a1up ago Jo u0isua3xg •zaAIBM s ;ox .Iapua-I fg aous.IIagao3 :passata) ;oN aa(to.uog •zi •z 11010as tit zo3 papinozd zapzo alp in patidde aq iirls ,CUadozd am Jo zpedaz z0 110pezo3S0z 0a pagddr mu an 3113 spaaoozd snoaurii3OSIN JJ� .13303-1 op pied aq pegs pug paugiss1 Agaz3l 3.111 iC3zadozd -a143 in asazaaut s,zapuaq Jo 3ualurt1duit aria 03 aigrpnquplr On pg113 sagraU11p zo3 11141140 JO pz1MI ,tut: Jo spaaoozd alj •;uauatu;su4 ,C3imoas sign zapun salgu z0 Auado1d am in asazaaut mapua1 3o 3uauut1duat Iguapeui za1430 z0 1CUado1d alp Jo amltajzo3 sapnioazd `3uauagpnf s,zapual ut `3gg3 guttnz r 1434M passuusip aq o3 gutpaaoozd JO 1104301 alp $11isn10 sq `61 u0i3oas tit papinozd sr 3313stiiaz `pazznoo0 sea uoip11ai30011 dt `pug Hupp r IjOns azn0 tiro z3M0zz0g •3uaunu3sUi Apunoas sup zapun s3g2u JO ,CUadOld 3143 in Isamu! s,zapua' Jo 3Uaaut1duit 4111133530 zalp0 z0 AU3dozd ago Jo 3znptajzo; tit p4nsaz P4n00 luaudpnf mapual tit `3183 un$aq si 'Trapp z0 unto =paint `gutpa3oozd 1O 110130E 'fur 3a 3jnrJap tit aq i111s zaMozzog •spaaoozd snoa01p3OS1JA 03 315531 tit uopom JO 314gu r s114 zaMozzog molts 3SUi1211 Miurd am zo spaaoozd snoau5i4aosryA4 z3M0zz0g sato ;rep AU1d pulp alp stream „,Curd $utsoddp„ •anp 11a1p 3011 JO 1314pagt `3U3umzpsui LCpim0as silo iCq pamoas sums 3143 03 z0 A3zadozd 3143 Jo 14rdaz z0 uot31zo3saz op za1pia spaaoozd sno3urpaosm alp ACidds put 3oap00 03 p3zuogpnr si zapua-J `03.141 sa 3033011 am am am n3331 &Cup p£ utgl4M zapuai 03 puodsaz 03 sprJ z3M0zz0g `sa813u5p zo3 t "«r"y. 1.413 0 030'74%4 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 night 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: 0 007688831 WYOMINO-Singla Family Fannie Mao/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initial 299 cnn 3051 3/99 (page 11 of 15 pages) MWY1ICV A33 LAMMY (se6ed gi jo Zi eBed) we isoe uuo 00£ ET) shy ($IBIRul 00/E '1'I 1N MILLISNI WHO4INn OIW •PP•i/o*W InuueA Nlwed BIBuISONIWOAM 1.£8889L000 ueoi �dSa2I I0ipuuu0JUT IaTpo /Cue pu11 apetu aq pin sfuatuAed gptgm of ssaippi am `iappuas ueo'I Mau If JO ssalppe pue 0111E11 aTp a3111S film iiOTtjM 0811ego am JO aOpou ual3UM uani8 aq II!M iaMOiiog `IaOinlas ue0'J agl jo a8uego E si aia'p 31 •a10M aTii 3o ales a O3 parpmn IaoTnzas uEo-i am jo sa8uugo plow JO auo aq 3118iui os-f11 aiagy mE-i aig11oijddy pug `ivauini3sui Alimpas sup `a3oN amp Iapun suop1 T-fgo 8utotnias u11oi a8E811oui I01110 Smio31ad puE ivamnnsui Aipnoas sup pm a1oN am Iapun anp sivaTU,Ced oTpopad sioa-f-foo lEip „iappuas ueo-i„ atp se umou)i) Aipua alp ut aBuegO a ut 3111s01 )g8im ales y •IaMOiiog of aopou loud 3nogpiM sauip atom JO 0110 Nos aq Imo (luaumiisui A)pnoas sup tppin IaglaBol) mom alp ut isaialui iepiud E 10 a3°M agy •aouunapf3 JO aplioN 'aaalnaag uuo' Jo a8U1 q3 :aloN J0 NUS •0Z '81 uopoas Iapun uopempopu Jo ono amp ut Aidde loll i-fegs a3E3suTaI 0i 1g8u Site `IanaMOH •paimoao pEg uopeia-faooe ou 3i se 3ntiaa ;3a iCIin3 ultluai Iiggs Agaiag pampas suope8l-fgo pue ivauitulsui Alpnoas sup `iaMo1i0g ,Cq ivaucaiEisutai uodfi •Iajsueiy spung oiuoiipaig (p) so A3pua iO A3ijEivaumi3SUi `Apua$E i11iapaj a Aq palnsuq a111 slisodap asogM uopnlpsui ue uodn umelp Si Apollo lions Cue papn0ld 'raw sjatgsuo 10 /30110 s,Iainseaf 'paw Ping 'patio paljpiao (o) `Iapio AauoW (q) `ireo (e) :iapua"i Aq pa3Oaias se `Stuio3 &IIMoHo3 am Jo ai0111 JO a110 111 sasuadxa pue sums 3uatuar3SUTaI guns fed Iamoiiog 31 aimbal AEUI iapua'i •pa8u11goun anupuoo Begs `auaumiisui ,linos sup ,iq pampas sums amp iced o3 uope8iigo S,1amolog pue `ivaunu1sui Aipnoas Spp Iapun slg8u pue Apadold am Tit Isaiaiu! s,iapual imp amsse Ol =mini Algeaoseal ,Cent .Iapua-i se u0p011 lions sa?.Iei (p) pug :3uaumlisui Ai sup Iapun sul p pue Aiiadoid amp 111 Isaiaiu' mapua-i 8upoa3old 3o asodmd atp Ioj paimoul spa; Iag10 pug `saa3 uoil11nten puE uoiipadsui Apadoid `spa; ,s/Cautone a-fgeuoseai `03 pali<uiq Sou inq `8uipn-foui `ivaunuisui ,C3pnoas sup RuTmopua ui pallnout sasuadxa HE sued (o) :s11101uaal8e JO s3u1Uanop iag10 Aug 30 3-fnejap Niue salno (q) :pazmopo pEg uopeiapp0E 011 3i se aioN am pug luaumlisui Alunoas sup Iapun anp aq mom uagi goulm sums He iapua-i s1i11d (11) :1aM0110g 311111 ai11 suopipuoo asogy •3uauzni3sUi £3pnoas sup 8uip103ua ivamapUf E JO Aiwa (iii) IO :aluisuial 03 UPI s,1aM011og jo uopwulaiial aTp ioj ,C3ioads 11 mi ME-1 a-fgepiiddy se pouad zagpo pus (tt) :ivamnilsui Aipnoas suit III pour a-f11s ;o iamod Aug of luensind Aliadoid am 3o ap s aiojaq &Cup anti (i) ;o lsaitlea am of loud amp Cue ie panupuoosip luatuTUlsu-f A3im0as sup 3o ivatuao103ua anEg 01 Nap amp anEg Help Iamollog `suOIlIpuoO ure1lao Slaam zaM011og 3i •uol3Eaaiaaoy aa33y alu)sulag of 1q 2m S J At0aaog '6I •IaMO11og 110 puemap JO appou Iatpitl; 3nog3TM 311aTIf 13sUi Allmoas sup Aq paii-f1Ulad salpatuai iCug aiionui ,-fern Iapua-j `pouad sup ;o uopRlldxa a131 0l loud stuns asagl iced 01 sir; IaMO11og 3I •3uatutuisui Alunoas snit poinoas sums HE ,i11d isnul Iam0iiog golgM ulgiIM SI uopoas 1p!M aourpi0poe 111 11ani8 sI aopou atp a311p aril 1110i3 Shp p£ 1111131 SSOI 1011 JO pouad E apinoid 3311gs api3ou agy •uop11iaiaooE 3o appou Iamoii0g an18 Begs Iapual `uopdo si[p Sasiplaxa iapuai 3I mei -fElapaj Aq paiigigoid st aspiaxa guns 3i iapua-i paspiaxa aq 3ou i311gs uopdo sup `Janamog •ivatutulsui Alunpas sup Aq pampas sums He Jo un3 11 i 311auiA11d aleipauITUi almbai Aeut IapuaJ `3IIasUOO` ual1uM loud s,iapua-i 3nog33M (pauaJsuv1 JO pJOS ST 1 M0110g 111 Isamu! -f11pgauaq E pue uosiad Tumult E 3011 ST IaM03i0g JT so) paiia;SUUil zo pios sI Aliadold amp 111 3saiaiui Au1 Jo ,C3ladoid am 3o i1Ed JO HE JI •Iaseg0ind 11 O3 arc, ain3nl 11111 IaMO11og Aq app 30 iaJs11ei1 3133 sI 1p1gm 30 mug amp `3uaulaai8e M0I053 JO 301113uoo saps 1ualuiielsul 'pap ioj 1011111100 `poop ioj puoq 11 uI pa11a3S11e13 s3sa1ai113 I11pgauaq as0T3 `01 pa1ituli 3011 lnq 'Stun-fm! `Aliadoid amp 113 3sa133113 I11ipgauaq I0 IEBai SUE S11E3111 „A11ad01d atp 111 isaia3ti„ `gj uopoas sup ut pasn sy •aaMOaaog ul lsaaa3ui IelaUauag E 10 ,Claadoad ail 3o aajsueas •gi cs 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 pesticide& 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: 0 007688831 WYOMINGSingle Family -Fannie Mae/Froddla Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) Initials) G73 301 Form 3051 3/99 (page 13 of 15 pages) MWY73CV 7O£ AOi•4AMW (se6ed 91 {o e5ed) ewe toe w+o Sh/ ($Ie111u1) (elelBul) oo/E '1'1 1N3WAULSNI ',woman 3IW e1PPe+d/eUW Nuuod -Awe- el l£8889L000:JogwnN ueo1 •me-i aigeotiddy zapun pannuzad si of alp jo Wut8zego atp pue pazapuaz sao!AZas zo; Sued pzap a o; pied si aa; all ;i Siuo inq luatunzlsui S3jnoaS sup 5uiseaiaz zo; aa; zamozzog a8zetio Sett zapuaj 'sisoo uonepzooaz Sue Sed 'tugs zamozzog •luaumzisui Bl sup aseaiaz ''ells zapuai 'luauunzlsui S ;unoas sup Sq paints stuns tie jo 3uaua d uodn •aseap-a •£Z o; pappua SIIpSai suosaad ao uosaad aq; o; ssaaxa Sue (a) pue :;uawnalsul S ;iarms siq; Jig paanaas stuns IIs o; (q) :saa3 ,sSauao ;e algeuoseaa '0; pa ;Twit ;ou ;nq luipnpui 'aies aq; jo sasuadxa tie of (e) :Japan 2uiAtoIIo3 all; ui pai'dde aq 'tugs as aq; jo spaaaoad aqy •as Sue ;e S;.uadoad alp asegaand Sew aau8►sap s;► ao aapual •A4I atgeaiiddy .fq pagiaasaad aauuew aq; u' Nos aq Hugs Spadoad aq; pue 'apes jo aa' ;ou aq; gsiignd "gigs aapual •Sj uopoas ui papitoad aauuew aq; ui aaA&oaaog o; aces alp jo aapou aAiB Hugs aapua' •AueI a'quai'ddy q;'At aauepaoaae tq ;uaaa33►p 3! 'S ;aadoad alp jo uo'ssassod ui uosaad all; o; pug aaAAoaa011 aso'aaao3 0; maul! 3o aapou aAi2 Hugs aapual 'aegis 3o aaMod all; saloAU' aapua' 3I •aauapiea app 3o S3S03 pue saa3 ,s4auaol ;e algeuoseaa '0; pa ;Twit 30U lnq iuipnpui 'ZZ Uofaas s'q; ut pap'AOad saipawaa aq; gumsand u' paaanaui sasuadxa i'e papa o; pappua aq pegs aapuai %awl a'quaiiddy Aq pa ;;'waad sa'pawaa tag ;o Sus pus ales jo aaktod aq; Sew pue puuwap aaglan3 ;noq;iAt 3Uawnalsul S;unaas siq; Sq paanaas scans ou jo IIn3 ui ;uawLed amipaww' aainbaa Sew uoi ;do s;i ;e aapua7 'aapou aq; ui pai3iaads amp aq; aaopaq ao uo pain ;ou si ;Inepap aq; 3I •a'es pus uopeaaiaaae o; aaAtoaaog 3o asuajap aaq ;o Sus ao ;plum a 3o aaua;sixa -uou aq; passe o; uoilae lanoo e 2uiaq o; ;Oia alp pus uopeaaiaooe as ;3s a ;s ;swat o; ;Op aq; 3o aannoaaog waoJU amply Tugs aailou aqy •Slaadoad all; 3o alts pub luawna;sul S ;ianaas sill; Sq paanaas scans aq; 3o uopsaataaos ui 3Insaa Ssw aapou all; u' pa1Jiaads amp aq; aaopaq ao uo ;m'Pap aq; aana of aanue3 ;gig; (p) pus :Rana aq ;sum ;'nujap aq; gaigAt Sq 'aaAtoaaog o; uamsl sir aapou aq; amp aq; woa3 sSup o£ imp ssal ;0u 'amp a (a) :;'n1Jap aq; aana o; paambaa uopau alp (q) t31n1Jap aq; (e) :S3pads gets aai;ou aqy •(aspnaaq ;o sapiAoad Aug a'qua'iddy ssaiun sj uofaas aapou uopeaaiaaas o; aoud ;ou ;nq) luawna;sul £llamas s'q; ui luawaaaJe ao ;U1UaA03 Sus jo gaeaaq s,aaAMoaaog 2u'A4o" 03 uopeaaiaooe o; aotad aamoaaog o; aapou amt pugs aapuaj •saipawag tuopeaaiaaav •ZZ SMOIIo3 SE aazh pue lueuan03 zagun; zapua- pug 'ammo 'SINIVAIaAOO YAI2IO INfl NON AOSLAMW (sa5ed g j jo gL oBed) ee/e ,soe waod E OE (sIBIAuI Buziuo.Ly 'kguno0 uoga 00 /C '1'I 1N3Wntl1SNI WHOiINn e'W NPPa+ RW MUUUd-- Apwsj e1 ZOOZ `9Z •gai3 i* •awes e I pe�noaxa Ae a s a U Ui/ 4 U lay] ow o� pe6pa�MOU�oe App oyM 'ivawnaasu� enoge eya �o (s)�au6�s 2y�; Z3H3NVS 1 VH830 PUB Z3H3NVS 11 13VH0 ow atom pereedde Rpeuosied 0002 Q V Ap to Rep 1 OtU u0 Guew6peIMou,ob Gulf $141 M0108 Goods] N103NI1 dO A.LNf100 :ss ONINNOAAA .30 HIV.LS 1-£8889L000 ueo1 sandxa uotsstutuq)O Z3H3NVS 1 V8930 -r/41/ Z3HONVS a 13VH3I11 privyL It tpim papiooaz put zamozzog Aq painoaxa (s).iapu Cu t ut put Iuatunzlsul Alunoas s?ti'I ui pau)tauoo slutuanoo put suuai am of saaat put sidaoot zamozzog `A(1O1 H ONINOIS xa luuuo,CM jo smti uopdtuaxa ptalsatuou atp jo anlzin put zapun slq$u iit somum put sastaiaz zamozzog •saanitM •},Z 1jtiy117090 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN:HEATHER THIS SECOND HOME RIDER is made this 26th day of July, 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower," whether there are one or more persons undersigned) to secure Borrower's Note to First Security Bank, N.A. (the "Lender of the same date and covering the Property described in the Security Instrument (the "Property which is located at: 391 BELLVIEW ROAD, SMOOT, WY 83126 In addition to the covenants and agreements made in this Security Instrument, Borrower and Lender further covenant and agree that Section 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's second home. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. LOAN NO: 0007688831 SECOND HOME RIDER [Property Address] t G A MI R SANCHEZ Z JmL t O r400 DEBRA L SANCHEZ (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower MULTISTATE SECOND HOME RIDER Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT FORM 3890 3/99 I.T. 10/99 (page 1 of 1 pages) RMSISEC 304 'ONINNI03H 30 3H101Ina 00' I £Z 3«LO<SI MIMIC' 0 S 30N3H1 `1333 00'08£ 3«10<6t S332Io3Q 68 N 30NZH1 `•1333 OS't£Z M« L0<SI S333IO3Q 0 N30N3H1 `.133I 00'08£ M«IO<6t' S332I03Q 68 S 30N31-11 `•17/t3Sb /INtN GIVS dO 2t3N2100 1SV3H1f10S 3141 ONIMVNI 13S 1N3NIflNOW 3dX1'NI EI V IAIO2L1 `M« LOST S332I03Q 0 .L3ad L£ °£tti 1NIOd QIHS 17/I3Sb /IMN QIYS 30 3NI11Sd3 3H1 NI IMO/ V IV ONINNI03S :SM.0110d Sd Q3gfDDS3C1 AIIIv"If10I12tdd 3210NI QNV ONINIO.XM `XINi100 t1'I00N1'I `100IAIS Nt02i31S3MH1210N Ha9 `M8 I t' 1 `NI E1 'If NOI103S dO 'v /IaSI /1MN 3I-I1 dO NOIIIIOd d :S '1 ID IVd SM0T10d SY Q3flRt0S3Q X'RIV If10I12It�d 32I0IN QNV ONINIOXM `XIN11O0 N'IOONI'I `100IAIS 1S3MH12ION H.L `M8 t t21 `NI £1 'IC NOILD3S 3O b /I3S'b /tMN 3141 dO NOI12I0d V :v "I3D2Idd Of: '0NINNI03H 3O lNIOd 31410.E 1334 05''1 £Z 3 „LOS I S332IO3Q 0 S 30N3H1 `•1333 00'08£ 3«10,617 S332CO3Q 68 N 301131-11 `1333 0S'I£Z M.<LO<SI S33/103G 0 N 33N3H1 `•1334 00 °08£ M«i0<6t7 S332I03Q 68 S 33N3111 ii /13Si7 /I■N GIVS d0 d3N2I0J 1SV3HJI1OS 3H1 ONI)i21VNI 13S 1N3NIf1NONI 301 'IAI I'H V NIOd `M«LO<S I S33 0 N.123.1 L81709 ON13g 1NIOd QIVS t /I3Sti /IMN QIVS 3O HNI 3H1 NI 1NIOd V IV ONINNI03S 0 3'If1Q3H3S