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Home My WebLink About867251WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Of 485 Washington Afton, WY 83110 0007688641 DEFINITIONS 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 7, 2000 together with all Riders to this document. (B) "Borrower" is MORRIS E PIKE and GRACE E PIKE, 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 Un i t e d States of Amer Ica 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 7 2000 The Note states that Borrower owes Lender One Hundred Fifteen Thousand and No /100 Dollars (U.S. 115 000. 0 0 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, 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. N Space Abov or Recording Data A V MORTGAGE d 867251 RECEIVED COUNT? 00 JUL 28 PH 33 JEANN L )N),:: KEMMERER, WYOMING B(JO.K;_ 44 PR PAGE 3 8 1 InlOals) Initials) k17 WYOMING Single Family Fannie Mae /Freddie Mae UNIFORM INSTRUMENT Form 3051 3/99 (page 1 of 15 pages) I.T. 3/00 M W Y01 CV A3EOAMW (so5ad gl /O Z eyed) 66/C tSOE wood Pill 0 i$IEIUuI Japi2I luataicgd Aplaamig n zapT L o i X 1 ap12I [Anoads] (s)zaglo luaurdolanaU lion pauuEld Japll auroH puooaS n Japni umuuuuopuop 00/6 '1'1 1N3WnUISNI WTIOdINn oeW eippu4/eeW eIuu•d -AVwe el M 1ti9889L000:JagwnN ueoi saop Jamo1JOg `asodznd sup 10 aloN alp pug luamlulsul A1T1noaS sup Japan sluaumaJBt pug slutuanoo s,JamoJJog 3o aoutuuopad alp (q) pug :aloN aql 3o suoutoi3TPour put suoisualxa `slumauaJ He put `ueo-I alp jo luauagdaJ alp (e) :1apua-j of sarnoas luaUnulsul Alunoag sigy A L2IHd02Id HH,L All SIH III dO 2IddSNV2i.L •luamtu sul Alunoas sup Jo/puu aloN alp Japan suou12ilgo s,Jamorrog paumsst suq iSUnd 1 p loU Jo Jaglagm `,SlzadoJd aql of apu ualm suq Meg, Alrtd Aug sutaw „aamoaaog 3o ;saaa;ui aI aossaaans„ (d) •ddSH'J Japan „uuol aRtBlzora partial Allezapa3„ B se ,ijiiunb loo saop URO7 aql J! uana „twat a3e51.1OUI paltlaz SIIBZapa3„ B of pJtBaJ ui pasodun are imp suotloulsaJ pue sluaurapnbaJ IIt of szajaz vdSHg„ luoulnusul AlunOaS sire ui pasn sd 'Jamul 1Oafgns acres agl SuJanoR rem uol1L'IngaJ Jo U0pUIST241 JOSSaOOns JO Ituop!ppt Aut JO `aural Ol aUfl moJ3 papuauri ag 3 ,Carl se `(00S£ 1Ted i i vz) x `uorleln2aJ 2uuuauraldLUT 51! put (•bas i09Z •O•S•f1 ZI) rod saznpaOO1d luauraplaS a1B1sH Iuag a'p suuom VdSaU (0) •luau nnsul ,Slunoas sup jo u013O Japan slunourt Aug (Z) snzd `aloN alp Japan Isazalui put p drouud (j) Jo3 anp ;unoure palnpagos ,ilzelblaJ alp sutaul ;uaul,fsd aipouad„ (M) •uto-1 alp `uo lira "Jap JO `3O luaUliiuduou alp lsuitgt Japuarl &urloalord aouurnsui sum „aausansui aBuBlIoN„ (LQ) •SlzadoJd gip 3O uouipuoo Jo/put amen alp `ol st SUOISSmio Jo `3o suoumuasardazsuu (AT) Jo UoiRUUIapU0O JO n uI aODUA0n110O (in) `241ad0Jd NI 3o lied Sut Jo IF 3o Bunjul Jatpo zo uoutuumpuoo (ii) `Alzado1d alp `3o uouonJlsap Jo `ol a3tImp (r) Jo; (S uoiioas ui paqu3sap saBtzanoO app Japun pied spaaoozd aoutznsui uegl Jarpo) /Sind prup Cu ,t ,Sq pled spaaoord Jo `sa21LUtp 3o p1tmt luauraplas `uoiatsuadtuoo Aug strum „spaaaoad snoauspaosgtI„ (II) uoraoas ui paquosap ale ltgl Sarah asoip utaw „suzau moaasg„ (g) •SJaJsut11 asnorpuuealo paluumint put `szajsuul aJlm `auogdalal ,iq paleurui szajsutJ1 `suopotsunJa auigoem zallal paaeuzoint `srajsuuu alts- Jo -aurod `ol paliunl lou si ;nq `sapnpui rum guns •lun000t ue IIpaJO JO Nap of uoilnlusui leioutug azuoipne Jo IOnJlsul `JapJo of se os adtl ouauBtur JO `Jalnduroo `1U uu psur ourogdalal `ItuuuJal Ourorloala ut !pump paleuuu si IOigm luaumrlsui Jadid "quips Jo `1Jtzp `Aoago ,(q paltu!Suo uopotsuR1l a uurp JagmO `spun3 3o Jajsutil ATU SUBMIT „aajsuu1Z spung aluoJPaig„ (f) •uorltzurea1O JBIIUIIs Jo uoutioossu sraumoaurog `uoutmosse umiuiuropuoo u Aq ,ivadord alp Jo zamonog uo pasodmli art imp saBzugo Jaglo pug sluauzssasst `saaj `soup Tit suuaur „sworusSassv pus saa3 'sang uoz ;epossv ,f;lunuTwoD„ (1) •suoiuido pgzipnf alqup:addu -uou `Itup aigeoilddt III st Ham se (mtl jo 1oa33a aLp antq MD) srapro put salf1 anu!1lsuruupt put S ODUUIpJO `suoueln2aJ `swum ItOOI put albs `Iuzapa3 alquogddu 2uilio1luoo HE sugar „Mtn aigsaiiddv„ (H) Japi2I AIiun d Japaa uootztg Japi21 alt2I aiqulsnfpd [aIgtoilddu st xoq raw] Jamozzog Aq palnoaxa aq 01 art szapu Suimollo3 aq,I, •Jamo11Og Aq palnOaxa art Imp luaturuisul Allmon sup 01 srapT.J IIB sum „saapm„ (0) Z T ?;.,9NO 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] LOT 93 OF NORDIC RANCHES DIVISION NO. 7, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. which currently has the address of 201 BRIDLE TRAIL ETNA Wyoming 83118 "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: 0007688641 WYOMING-Single Family Fannie Mao/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 [Street] (Initials) (Initials) 7 450 3 83 Form 3051 3/99 (page 3 of 15 pages) MWY03CV AOYOAMW (sa5ed g6 jo aged) 66/s "sot uuod 3\0 (s!• O• WnUiSNl MK/AIM 1N3 IW W waa.+�•.w puuv� -N!we� e!au!s- dNiwoAM Lti9889L000:iagwnN ueoi Aug aural Aug 1g small mimosa He m0 Aug mo; spun Iapual o1 Aud o1 uopi Iggo s,mamommog anrem Amu xapua -I •small mimosa rig mo Aug mo3 spunk am Aed 0) uop1 ijgo S San4RM mapua-I ssapun scum Momosg mo; spunj am mapua-1 Agd pleas mamommog •uorloas s mapun pied aq o1 slunoure jo saorlou plg mapua-j o1 tlsrumrg Apdtuomd Ilggs mamommog •luau mimosa ue aq iiegs sluatussasse pue saaj 'soup dons pug `mamouog Act paMOmasa aq `Aug jr `sluaurssassd pug saad `sang uorlgroossy Alrununuoj lecp amrnbam Arm mapua7 `ueo-I aip jo uma) am Sump aural Aug 1g mo uorleurguo 1d ;swan mimosa„ pallgo axe stua)g asata •OT uorloas Jo suorsrnoId a I1 tI1rm aougpm000g ur sumrutamd aougmnsul a&Slmoj,i jo 1uaurAed ag1 jo nari ur mapua7 01 maMOmmog Aq apgeAud sums Aug mo `Aug Jr `sumruramd aouemnsul aggglmoj, (p) pug :S uorloas Iapun mapua-1 Aq pamrnbai aougmnsur plg pug Aug moj sum -paid (o) :Aug ji `Aluadomd ag1 uo sluai punomg JO s1uatuAed plotlasgal (q) :Almadomd aq1 uo aougmqumoua JO uatl g sg luatunmisui Alunoas sun man) Aluoud ure1)e ugo TloIIJM stualr maglo pug sluatussasse pug saxgl (g) :moj anp s)unotue jo ivau'Agd mo3 aprnomd o1 „spung„ am) tuns g IIrgj ur pled sr aioN atu Ir1un `aloN am mapun anp an swaumAed orpormad Alp aIu 110 mapuaJ 01 Agd Bulls mam01x0a *swan miaow ao3 spung •sluatuAud orpouad agu 30 limo= a1;1 a m) `algp anp alp auodlsod JO puma lou jugs a1oN atp mapun anp Igdrou!d o1 spaao0md snoaugllaosq,4 JO `spaaoold aougmsur 'swam/Cud jo uor)gogdde Auy •aioN am ur pa se tram pug sagmgtlo 1uaurAedamd Aug 01 1srg parpdde aq llegs sluaurAedamd Axelunpon *anp sagmggo awl Aug o1 parlddg aq Aetu ssaoxa Irons `sluaurAed orpouad among JO auo jo )uatuked 1pnj ag1 o1 middy sr luatuAgd am nip slsgxa ssaoxa Aug )em )ualxa am oZ •Iln ur pled aq ugo luatuked goes `meal wawa am 01 pug `3r sluatuAgd orpouad a I1 30 luaus edam alp o1 mamoll0g IUOJJ pan luaugAgd Aug Alddg Aeug mapua-I `Surpuglslno sr luaurAgd orpouad auo uggl amotu 31 •aSIgtlo alep am pug luatu1gd luanburlap am 01 parlddg aq Amu luatuked aq1 `anp aSmgtlo am Aug Agd o1 lunotug luapjjns g sapnpur gore/ luarat ed orpouad luanburpap a Ioj 13m0JJ0g 1110iJ 1uauWAgd g SPAR= Iapua-I JI 'MN atp 3o aouglgq Igdpuud am aonpam o1 ua1p pug `luaunuusul Alunoas sup mapun anp slunotue maglo Aug 01 p000as `sasxgtlo am 01 ls1g parlddg aq plugs slunome Suraretuax Aud •anp atugoaq 1r tlort[M ur Japmo am ur luatukud orpouad tloga o1 parlddg aq !pis sluatu &ed Irons uorloas mapun anp slunou1! (E) :aloN am Iapun anp ledpuud (z) :a1oN am mapun anp lsama)ur (I) :Arnold jo Iapmo Surmouoj agl ur parlddg aq Ilggs Iapual Aq parlddg pug paldaooe sluaurked lie `Z uorloas sup UT paquosap as!M1aglo sg udaoxa spaaoold ao s;uatuAsd 3o uoguallddV •Z •luaumpsul Alrmoas sup Aq paxnoas sluatuaamge pug sluguanoo ag1 Suruuojmad JO luatugulsul AlunoaS situ pug a1oM ag1 Iapun anp sluatuAed Supptu tuoz3 IaM)I1og anagar ppegs Iapua•7 lsurg2g amnlu3 at11 ur m0 MOU aneq lggrur mamollog gprgM turep 10 10SJJ0 ON •31nsojoaxo; 01 loud Alalgrpatuugr alox am Iapun aouepg Iedpuud Surpuglslno am 01 parlddg aq rum spunj gons `marllga parpdde 1ou 31 •Iamonog 01 magi u1nlax JO spunj gons Aiddg Iaglra pugs Iapual 'amp jo pouad apgeuosgax a urtprM os op 1ou swop mamommog 3I •luammno ugo-1 am Rugg o1 (s)1uauiAgd saVuu maMOmmog Ir1un spunj pagddeun dous Noll kern mapua-I •spun; parpddgun uo lsamalur 'Cud 1ou paau mapual uatp `aWp anp palnpagos sir jo SE parpdde sr luaus ed orpouad toga 31 •paldaoog aIg sluatuAed gons aunt atu 1e sluatuAed gons Aldde 01 palgSggo 1ou sr mapua-I lnq `amnln3 am UT suuatuAgd Tupl1ed mo (s)3uaugAgd gaps asn 01 sup.' srr o1 aorpnfamd 10 Iapunamag sigSU Aug ;o mangeM lnog1TM `uuaxxno ueol am Suuq o1 )uap1JJnsur (s)luaur&gd pained JO (s)luatuAgd Aug ldaooe Ague mapua-I •maim° ugo-I am Burnt o1 1uapujnsur amg s)uaurAgd ladled xo (s)luatuAed am 3r (s)ivaurAud ler JO (s)1u0uiAed Aug umma1 Amu Iapual •SI uorloas ur suorsrnomd aor)ou am tprM aouepm000g ur mapua'I Aq paiguSrsap aq Amu se uoigoop matp° irons iv m) aMON ag1 ur palgugrsap uorlgaoi aIu 1e panpoa1 ua1M mapual kg panTaoax pauraap are S11101UAed OS6 72 l 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: 0007688641 WYOMING-Single Family—Fannie Mae/FreddIe Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) (Initials) Yet 385 Form 3051 3/99 (page 5 of 15 pages) MWYOSCV A390AMW (se5ed 5L jog a5&d) 66/E 190E 'Una 98C OWE Ti 1N3Wntl1SNI WNOdINn oeW alppa y quuee -A wej ei uls-ONIWOAM IV98 :Jag wnN UBO1 3i `eSTzadozd alp jo zrsdaz JO uopuzoisaz of palldde aq imp `zapua-j ,iq pazrnbaz s1M aoutznsur 8ure(Izapun my mu JO zamagm `spaaoozd aounznsur Aut `8upiJM u1 aa1$t as!MZatuo zamoizog put zapua-j ssalu jI •zamozzog Aq iiladurozd aptm uou 3! ssol jo jooid 03Itm Sum num." •zapua." put zapzeo aougznsut alp oT aOrlou idmozd 0Al2 TITS zamo1Jog `ssol 3o ma to alp it! •aaeimd sso! Ituopmppt ut sm zo /put aa8t2lzom st zapua-! aura !lugs put asnnlo a8m81zom pztputas t apnpui Hugs eioilod dons `Auadozd ails `3o uopOnz1sap zo `o) a8tmtp zo3 `zapua-j Sq pazrnbaz asimJatlo uou Wm/too aoutznsur jo uuoj eCun stump zamozzog 3! •saopou Itmauaz put sumrmazd pitd jo sldiaoaz lie zapual of a/4 e(pdmozd !imps zamozzog `sazrnbaz zapua-j 3! •saratipzao !maw/ put saioilod alp plod O) !tap ail antq Tlets zapua! •aaeitd ssol puopippu ut SE zo /put aa8t811o111 St zapua-! aureu !Tugs put `asnnlo a8m8lzom pnpunls g apnpui Timis `saioilod lions anozddtslp ou u118uz s,zapua'-i of aoafgns aq !lugs saioilod dons jo sltMauaz put zapua-J ,iq pazinbaz saioilod aoutznsui !iv •uuameigd 8upsanbaz zamozzog ou zapua-1 moz3 aOpou uodn `Isamu! lions tTi& `ameked aq hugs put; luauraszngsip jo amp atu moz3 alms auoN ailp )n lsazamu! snag Ilnts suunoure asagy ivamnisuj Allmon spu £q paznoas zamozzog jo ugap pnuoplppu amooaq lit gs S uopoas sinu zapua zapua- eCq paszngsip s)unoun esud •pauigugo anti! pinoo zamozzog lnt aougznsur jo usoO amp paaoxa eCputoijur is ltjim pauwT os a8UzanoO a3Utznsur alp jo )soO ails letu saBpalMOupt zamozzog •1Oa33a ut i Jsnoinazd sum um!) a8tzan0O zassal JO z01taz8 apinozd ut8lm put 'i)rlige!! JO plum! `Isu Ain asuru8u `ICUzadozd atu 3o sutra)uoo alp JO `duzadozd at) ur Sumba S,zamozzog `zamozzog 1Oauozd lou ug8im JO 11121111 Tnq `zapua' zan0O !Tugs atn1anoO lions `azojazat,I, •a8tzan0Z Jo lunomt JO adei) znlnopzed `,fun: asngoznd 01 uopn8ilgo ou zapun sr zapua-! •asuadxa s,zamozzog put uopdo s,zapua-I )t `a8nzanoo aougznsui uiu)go Attu zapua-I `anogt paquosap sagmanoO alp 3O Sue ur1 urtu of suej zamozzog 3! •zamozzog e(q uopoafgo ut wog supinsaz troptumua)ap auoz pooh ATM jo mamas an miM uopOauuoO ui IfouaSy 3uama8tuew e(Oua5Jamg !mind ails Sq pasodmi saa3 efut jo ivaurAtd mu zo3 algisuodsaz aq osln Ilegs zamozzog •uopuoupzao zo uoi3uuruualap dons aoa33a TtBtiu eilgtuosuaz gOl1 M mom saBui p rums zo s &ulddumaz amp toga sa8zngo auanbasgns put saoinzas uopnogpzao put uopuuluua)ap auoz poog zo3 a8 n qo amp -auo t (z) zo =Inns BuDIOtz) put uopt3upzaO `uopnurtruauap auoz pooh zo3 a8ztgo amyl -auo n (I) :zarpia `uto'-1 spp IIait uopOminroO ur `efud of zamozzog azrnbaz eAtm zapua." Aquuosnazun paslozaxa aq Tou Iltiis 141.1 tOrgM `aOrotp s,zamozzog anozddusip of 111211 s,zapua7 of martins zaMOJJOg ,iq UOSOlp aq hugs aoutznsu! ail 8uipinozd zarzzm3 aDUtznsui ails •umo7 ail) 3o rasa) alp 8urznp Oguugo U D saOUamuas 8uipaoazd aIp o) luensznd sazrnbaz zapual )uq, •sazrnbaz zapua-I lain spouad alp zo3 pug (slanal algponpap uuipnpur) siunou n atT ui pault)uttm aq Bugs aoumznsui sigZ •aouuznsui sazrnbaz zapua-I IpigM zo3 `SpOOj put savnbl `01 pa)lmtl lou lnq `8uipnpur spztzug zaglo Am put „`a8UzanoO papuauxa„ mzai ail uiipTM papnpu! spzizeg `a qj Sq ssol msuitat paznsui eiuzadozd alp uo pa1Oaza impala! JO 8upsixa Mou s)uamanozdm! alp dam! hags zamozzog •aau1unsui Sl iadoid •S umo-I slip I IJM uopOauuoo u! zapua-! ,fq pasn aornzas 8upzodaz zo /put uoilto1Juan xtu almisa pas u z03 a8zngo amyl -auo n e(td 01 zamozzog azinbaz Amu zapua! •V uopOas sum u! anogt tTzo3 las suorlo1 aril 3o azom JO auo wit) JO uatl all! djspns !Imp zamozzog 'imp s! aopou Tutu IIOIgM uo amp alp 3o s,fnp 0i uitTTM trail all! 8uidjpuap! a011011 g JOMOZZOH aATB e(um zapua-! `)uaunUlsul ec limo as sit! JOAO ei)uoiid "TIME ago tOrgM trail t 01 martins st e(1zadozd ail 3 lzgd Aug rip sauimza)ap zapua-J 3! •uuamnz)smm Animas sit! O) trail ail 2upuu1pzogns zapua-! ou ,izo)O13spms luamaaz8u um )all atu 3o zaplo1 alp moz3 saznoas (0) JO :papnpuoO azt sauipaaoozd tans !pun Alm) Tnq `8ulpuad azt s8ulpaaoozd asorp alight um! am 3O TuamaOZO3ua ail Tuanazd 01 ariado uoiuido s,zapua'-I trr gottt s&uipaaoozd OS672 1 3II7 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 007688641 WYOMINGSingie Famly-- FannIa Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Inttials I nIlials Form 3051 3/99 (page 7 of 15 pages) MWYO7CV AMU /AMIN (seded gl Jog abed) owe isoe mom S8£ ooie •1I IN3Wntl1SNI Wl104INn 0111 SIPPNd/lSW IIUUI /iWe J e1 JNIWOAM 1b9889L000 :Jequ /nN ueo1 •anzasaz ssor irons uo s2uruzrra zo )sazapur durr zamozzog ,Cmd of pazrnbaz aq lou Imp Iapua'-i purr `IIn3 ur prrrd &paleturlln sr urro'i ail rum lamb agp 3urpuersgprmlou 'aigrrpunjaz -uou aq Tangs anzasaz sso! runs •aau>'znsui a3gglzoi i 3o non ur amosaz ssoj apqupunjai -uou m sr swanked asatpl urrraz purr asn 'pd0001 Ilan zapua-j loa3Ja ur aq op pasrraa a3rrzanoa aaurrmsur atp uatim anp azam rem sluatu&id parrugrsap ,Sialuzmdas alp jo limo= aril zapua-p op ,fgd of anurluoa Hugs zamozzog 'gigngrenr loll sr a3ezanoa aaueznsui a3g3lzoj, 1uapmnmba ,iprmpugpsgns 31 •zapua' ,Cq pops Jaznsur age2rJom almuzalie 1113 IUOJJ `19a33a ur ,irsnornazd aaueznsui ageOlzow alp jo iamozzog of lsoa agp op luairrnrnba ,iilerluelsgns lsoa g lm `1aa33a ur ,ilsnornaJd oounznsui a3gglz0J,\ atll of )uapmnmba ,ijp uelsgns a31zan00 urmlgo 0f pazmbaz sumiuraid agp ,fmd !legs Iamollog `aaurrmsui oReBrJoj zoj sumiurazd asp pzemol spuau1&i d paleu3rsap Arapgzmdas wieui of pazmbaz sem zamozzog purr aauemsur Irons paprnozd ,fpsnornazd Imp zaznsur a3rr31z0111 alp 1.110z; orquirene aq of saseaa zapua-I ,iq pazrnbaz a3rrzanoa aaueznsui a3m31zow atl; 'uosrraz ,rue zoj '3T .)oj;a ur aaueznsui a3m3lzoj, aql urgpurrrtu of pairnbaz smnruiazd alp ,red Timis zamozzog 'tool alp 3upfem 3o uoiupuoa m sm aaurrznsui a3u3pzopA pazrnbaz zapuaq ;i •aaugansul agg3;Joytj or •3uprzm 11r JoRzatu aril op soar& zapua'i ssalun a3Jam loll Hugs app ooj ail pum ppogasrraT atrl `iipzadozd atp op arprl aaj sazrnbam zamozzog 31 •asmap ctrl jo suorsrnozd atp pie tprm Arduroa Ilrrgs zamozzog `plotias1al a uo sr luatunz)suj ,rhino s sup 3I •luatu,fmd 3urpsanbaz zamozzog 0l z tuoz; aarlou uodn 'lsazalur irons tpprm 'orquArd aq pp qs purr luamaszngsrp jo amp asp tuoJj aluz aroN am ru lsazalur Iraq hugs slunmum asatpi, iuounursup lilrznaas srtp sq paznaas zamozzog Jo lgap leuopippm auroaaq slugs 6 uopaas sup zapun zapua-i Act paszngsrp s)unounj Any .6 uopaas srgl zapun pazuogpnrr suoUae Hu zo ,Corr Buller loll zo3 Aprprggg ou smnaur zapua-i rum pooar sr it •05 op of 11011E211110 JO Amp ,Cue zapun 1011 sr purr os op or an1g loll saop zapuaZ '6 uorlaas sup Iapun uofae avl ,rem zapual tignotilw '330 JO 110 pawn) sar)rppn snug pull `suorlrpuoa snoza3ugp JO suorpmporn apoa r q 3o JO 3urprrnq ampulla `sadid wog zarrm urezp `smopurm pug sloop do pzeoq Jo aampdaz 'moo! aumga `szrmdaz avur op ,fpzadozd aril gurzalua `ol palrmrr loll sr lnq `sapnpur ,ipzadozd ail 3uunoos gurpaaaozd i(oldrmiueq m tzi uoprsod panio s sr! 3urpnpaur `puaunursur ,flrznaas spp zapun slggu zo /purr ,Clzadozd aIrl ur lsazalur srr laalozd of saa3 ,s,Cauzollm apgquosmaz &ir,Sed (E) purr 'unoa ur 3urzeadde (Z) '1uatutulsui ,ilrzno s sup nano Alporzd seg tianim tzar! m ,fq paznaas sums Aug 3urigd (I) `or palruirr 1011 an lnq 'apnpur uea S110rpam s,zapua -I •,CUadozd atp 3uuredaz Jo /pug 3urznaas purr `1(uadozd ail 3o amen ail aurssass1 Io/pum 3upaapozd 3urpnpur luounursup dprznaas srgl zapun slggrz pug duadozd alp ur lsazalur s,Jopua7 laalozd of a)eudozdde zo orquuosrraz sr Ianalegm zoj ,red purr op ,Cent zapuol uagp ',Cizadozd alp pauopuggg sutq" Jamozzog zo `(suorlein3az Jo SMEI aazojua or Jo luatunilsup 'flpnaas sup zano ,ilrzoud ureppm lirrui Iratgm uarp m 30 luatuaazojuo zoj `aznprajzoj Jo uorlguurapuoa zoj 'ap 3gozd `,Caldnz)rumq ur 3urp0000zd m se irons) puaumzpsui ,flrmaas snip zapun smgrz Jo /pug Alzadozd of p ur )sazapur s,zapua1 paa33e ,ii)uea1Jru3rs TIr3ttu prrtp gurpaaaozd pm3ar rr sr wa (t) `puatunzpsui £lrmaas sp p ui pour 1100 Sluatua0J3g purr Sltrmuanoa atp uuojzad op Sir1J zamozzog 3I •;uauma;suI 'f;ranaaS sup Japan s ;'8DI pug SpadoJd agz ur ;saJa3ul s 3O uo! ;aa;oid 6 •aauaprsaz imdraurzd s,zamozzog se 1ilzadozd alp jo ,iaumdn000 s,zamozzog guruzaauoa suor)1)uasazdaz `ol pa;ttug loll ale lnq 'apnpur suorlepuasazdaz TerzaluN •umo- alp I pre uorpaauu00 ur (uorlmuuzoJur pgrzalmt11 irlrm zapuaJ aprnozd o) panel Jo) Iapuai op sruatualmps JO 110tptuz0Jar apmmaamur JO '3urpealsrur `asig3 /prrrualgtu anus 111asuo0 JO a3palmouai s,zamozzog Irprm Jo IaMOJJOH JO uorpaazrp ail le 3urpau soprano Jo suoszad ,Cum z0 zamozzog `ss000zd uorp1aridde tool ail 3urmp `Jr rineJap ur aq hugs zamozzog •uor)galyddV ugal yamOJJOg •g 084'7451. 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: 0007688641 WYOMING-Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 38 9 Form 3051 3/99 (page 9 of 15 pages) MWYO9CV 06E AOOLAMW (sa6ed gt /o o f e6ed) 66/C 'got WJO Blelllul o0/C •1•I 1N3WfUiSNI WHOAINf 3'W SIPP•dNRW oluuu- -Nlwsj BIBNS.ONIWOAM 119889L000:JaglunN ue0� kpadozd 'sag skauzoppg `oa paprturi you pnq &utpniOUr `puaumzasul &punOas srtp zapun surge pug kpzador j alp ur psazapur s,zapuai jo asodznd alp zo3 `apne3ap s,zamozzog tprM uopoammo ur patuzojzad sous zo3 saa3 zamonog a8zetio Amu zapuaj •saBiggj uuol •zapua-I jo su8rss8 pue szossaoons alp prjauaq pue (0Z uorpoas ul paprnozd se adaoxa) purq oils auauuuasul ,ipun °as slip jo s;uauma1Be pue s1141113AO3 aril °1upTJM ur OSeaiaz lofS Op mar zapual ssaiun ivaunu sui ,faunas slip zapun Auger" puu suopegtigo s,zaMOZZOg aim pm act aou ii zaMozzog •auaumzasul ,ipunoas srrp zapun spgauag pug sag3u s,zamozzog jo ipg uregro iiegs `zapun- kg panozdde sr pug `Buput ur auamn sui Allmon slip zapun suoparigo s,zamonog saumss8 ogM zamozzog jo asazap ur zossaoons kue `gp mamas jo suorsrnozd am or aoafgns •auasuoo s,zauars -oo atp pnolp!M aaoN alp JO ivaumrisup kpun0as srlp jo RUM alp oa pzt;8az rprM suopupounuome Aug alum JO z8agzo3 `e(J!Potu `puapxa op away ui o zaMozzog zatpo ,iu8 pug zapua'I pgtp =IRE (o) pug °ptraunupsui Allmon slip kg paznas stuns aria Agri oa pararigo kip8uoszad aou sr (q) `auatmuasul Aaunoas srlp jo stuzaa alp zapun Aazadozd alp ur Isamu! s,zaugrs -oo alp AaAUOO pug puez2 `a3g21zour or /quo auatutuasui kaunoas srlp gurugrs -oo sr (e) „zaugrs -oo„ E) apoN alp apnoaxa aou saop anq auaunupsul Aprznoas snp stars -oO orim zaMozzog Liue `zanamoH •i8zanas pug purof aq ip8ls kagrguri pug suolaarigo s,zaMOZZOa pulp saaJae pug sauguanoO zaMozzog •punog suaiss' pee srossaaans :saauais oa :,faipqun inaanas pee auiof •£T •,fpauraz zO 11141 ,Cue ;o asIOZaxa atp apnioazd z0 3O zaAlEM g aq aou ipgls `anp tram aunoum alp ump ssai siunoure ut JO JOMOJJOH 30 psazaaui ur szossaoons JO sarppua `suoszad pzrrp mot wear Cud 3o aou1 daoo8 s,zapua-p `u0pgarurri pnolprM `8urpni0ur ,ipauraz z0 3113rz ,fug 3ursrozaxa ur zapual azuumagzo3 ,iuy •zaMozzog 3o Isamu' ur szossaoons ,fee to zaMozzog Fur3uo alp kg api u puumap jo uosgaz auaumzasul iipun0as slip ,iq paznas sums alp 3o uop8zpz0m8 £3rpour asrmzalpo JO auatukid zo3 amp puaaxa oa amp.' or JO zaMozzog 3o Isamu' ur zossaoons asul8R8 aurpaaoozd aouatutuoo op pazmbaz aq aou iiegs zapua-J •zaMozzog 3o Isamu' to szossaoons Aug JO zaMozzog 30 Sprpggri atp amp.' or aaezad0 mu imp zaMozzog jo psazapup ur zossaoons ,fug JO zaMozzog op zapua-j kg partrea auaumzpsul Aaunas sup gig paznas stuns alp jo uonezpz0tug jo uop1o1Jipour JO puauz&gd zo3 QUM alp 3O uorsuapxg •a0np8M 8 aol i aapuai ,fg aausa8agao3 :passaiag aamoaaog •Zi •z uorpoas ur zo3 paprnozd zapzo atp ur paridde aq iiegs ,iazadozd atp 3o zrudaz zo uorp8zopsaz oa paridde mu am amp spaa0ozd snoauEiia0sryQ tip' •zapual oa mud aq hugs puu paugrssg &igazal az8 ,iazad0Jd alp ur psazapur s,zapual 3o auauurpdurr atp or aig8anqupp8 az8 pulp saBEurgp to; uzrgj0 z0 poling Niue jo spaaoozd agi, •puatulupsul iiprzn0as slip zapun Satigrz z0 dpzad0zd alp ur psazaaur s,zapun 3o puautoEdtul i8lzaagur zatp0 z0 ,ipzadozd alp 3O aznplajzo3 sapnioazd `puatapnf s,zapua7 ur 'rip Surpu g gprM passrursrp aq oa &urpaa0ozd JO uor208 agp &rsnvo ,fq `61 110 ur paprnozd s8 apgasuraz `pazzn000 suq uoragzaia008 Jr `pu8 ain83ap g irons auto u80 zaMozzog •puaumzpsui Allmon srtp zapun splRU JO 'azadozd alp ur Isazapu! s,zapua1 3o puatuzr8dtur fermium zagao JO 'Cpzadozd aqp 3o aznilajzo3 ur pinsaz moo `puatuilpnf s,zapua-i ur `211112 un2ag sr `purtuu0 JO Two zalaalM `aurpaaoozd JO 110rp08 Iiu8 3r ain83ap uT aq fTls zaMozzog •spaa0ozd snoaugiia0sm oa pz82az ur wpm 3o al$u 8 Sur zaMozzog uroIM asur8g8 /Curd alp zo spaa0ozd snoaugpia0ST A zaMozzog samo agtp iipzgd pulp alp su8aur „&pz8d gursoddp„ •anp ualp 3011 JO zalpalM `puatunzpsuI ifaun0as slip gig paznas sums alp or z0 Silad0zd alp JO zr8daz z0 uopuzoasaz op zatpra spaa0ozd snoau8pia0sm alp Aidde pug aoaii00 op pazuotpne sr zapuap `uanig sr a0pou agp am) alp 123311 sIfup pE upprM zapuaj or puodsaz or sir83 zamoto% `sageurlp zo3 086;'7451 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: 0007688641 WYOMINGSIngle Family Fannie Mee/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initial Initial 391 orm 3051 3/99 (page 11 of 15 pages) MWY1ICV AOEIAMW (se5ed gl to dl ofed) 6610 190¢ WO Z E3 (sIBnui (slsluul LN3WfULSNI WNOdINn 3 U oWP.+ eW suua NIW I d• el Ltr9889L000 :JegwnN ueoi F/dSg2I uopuuuojui Jaupo ifuu pue °peal aq molls sluatU1fed 'alum of ssazppe alp `JaopuaS ueo-p matt alp JO ssazppe pue atueu atp °le)s IIIm g0igM aBuega alp JO aopQU uallUM uanTB aq IJIM Jam0JJOg `Jaoinzas ueol alp Jo aBUego a si azagl 3I •a2ON all JO ores a 01 paleraIUn Jaapuas ueo-p alp jo sa8uego azouu Jo auo aq iij im ospe azatr,I Mr 3 aigeoirddd pug luaumusui Sliznoas sup 'awls' alp Japan suoil>;giigo Bupyuas ueop ageglzour Jaglo suuojzad pue Iuatunulsul Supnoas sup pue aloN atll Japan anp sluatu&ud °Topad sloapioo legl zaoTAJas ueo-p„ alp su umomp) IIpua alp ui aBuego a ui linsaz uiguu apes d •Jamozzog of a0pou Jop(' lnotpiM saunl azour Jo auo pros aq ueo (luatmu2sup AIpnoas sip uuim zaglaBol) aloN alp ut Isazalui pep.ed a Jo aloN agL •aauenaiaf) Jo aarloN :aaaieaaS ueol Jo aBueq) fa ;ON jo al's 0z •81 uoiloas Japan uopezapaooe jo aseo agl ui Sidde logy TIM alelsUtaz of Igg11 sup `JanamoH •paInOOO peg uopuJapaOOU ou 3i se anpOa33a iciin3 Uietiaz ilmis AgaJaq pa1noas suope8tpgo pug luatunJlsup Alunoas sup `JaMOJJOH £q IuatualelsutaJ uodn •zajstrezy spund oiuozloarg (p) Jo Slilua Jo /IlreluatunJlsai `,fouaBe viva a dq paznsui aze sltsodap asotiM uotlnitlsur ue uodn um1Up si )Ioatlo dons Niue papinozd Vago s JO xoatio mains Vago Auuq 'vow poppn° (o) `Japzo Sauotu (q) `gseO (e) :Japuaj Aq pa3Oapas se 'sun% Burmolloj alp 3o azour Jo auo UI sasuadxa put; stuns Iuauralelsuial lions Iiud Jamo1JOg legs annbaz Sum zapua-I •paBuegoun anupuoo ipegs `IuatUnJlsup ,ilpnoas sup Act paznOas stuns alp ,fed of uopiBipgo mamoJJOg pue `IuaumJlsui 'iltmoas sup Japan slgBu pue Alzadozd alp ui lsazalui mapua7 rip aznsse of aiinbaz Srgeuosua1 ,four Japual su uoilou lions swim (p) put: turaum1lsap Slpnoas sup Japan 511181.1 puu Alzado1d alp ui lsazalU1 s,Japua-p BupOalozd jo asodznd alp Joj pa1ZnOm saaj zaglo pue `saaj uopenpen pue uopOadsai ,ilzadozd `saaj ,sSauJ011e aig1uosua1 `03 paliurri loo mg `BuipfJOU1 `luatutulsui Silunoas sup Bu1OJO3ua ui pazznOU1 sasuadxa ppe sked (o) :sluauraa1B1 Jo slueuanoO mum ,fat: Jo lin1Jap Aug samo (q) :paun000 peg uopezapaOO1 ou 3i se aloN alp puu 3uatun1lsur ,ilpnOas sup Japan anp aq pinoM uatp gouJM stuns 1111 zapua sJiud (e) :Jamonog rem aze suoilipuoo asogp, •Iuatmulsar ,il sup 8uiozo;ua luaurIpnf a JO Sutra Cm) Jo :alulsuia1 OI IgBp s,JamoJJOg 3O uopeaiuual alp Jo; ,ijioads Itii! mu-3 aigeoiiddd se popad Jatpo lions (ii) :luatutulsul ,ilpnoas sup tit paureluoO ales ;O JaMod Niue of luensznd SuadoJd aql 3o ales azojaq s,iep ant,; (I) :3o Isaipzea alp of JOIJd amp Kau le panupuoOSip luatutulsui ,il sup Jo luamaozojua anug 01 lg8TJ alp aim! pugs JaMOJJOg `saopipuoo uielzao maul JaMOJJOg 31 •uoi;eaaiaaad aaljd ale;suiag o; ;Om vantoaaog •61 •JamoJJOg Uo pueurap Jo aOpou zatpznj lnoullim IuatunJlsup SIunaas sup Aq pall!UJad saipauraz Slue m ionur ,lulu Japa `pouad sup jo uopezidxa atp of Jopd stuns asagl ,red of sp uj JaMOZJOg 3p •luatt ulsup dlpnOas suit Aq paznoas sums rre ,red Isntu zaMOJJOH goigM UIIlIM gi uoiloa8 13!M aOUepzoOOe ui uanTB st aopou alp alep agl uTOJ3 s,iup p£ tregl ssap loo jo popad e apinozd pugs aapou agy •uoil1Jalaoae JO a3rl0U IOMOJJOH an1B Ilugs Japual `uopdo suit 80S 1axa Japtta 3I •M11i I1Japaj ,iq paligigozd sr asiozaxa lions 3I zapua-I Aq pasTOZaxa aq loo pugs uopd0 sup `Janamog •luaumJlsup ,ilpn0as sup dq paznoas sums lie 3O iin3 uI luauziied aleipatuau azmbai Mara Japua-p luasuoo uallpm mud s,Japua -I lnoglTM (pauajsuezl Jo pion sr Jamozzog ui lsaJalui peiopauaq a pug uoszad peznlea a loo sI JOMOJJOg 3I Jo) paUajsu1J3 Jo pins sI Alzado1d all up 150101113 Ifuu 10 Alzadozd 0111 3o IJed hue 10 IIu 3I •Jasuttoznd a of awl) aznlnl ale JaMOJJOH Sq app ;o Jajsuezl alp si goi1M 3o mom! am luatuaa1Bu Mozosa JO 301Jluoo sales luatuipulsui `poop zo3 loezluoa `poop JOJ puoq a ui pazzaJsu1Jl 5350101ul ie1Opauag asogl `01 paluuip loo ing `Buipnroui `A1Jado1d alp ui lsaJalul puiopauaq JO regal eiue saeattr „eilladoid all up lsaJalup„ `81 uo1loaS suit ttT pasn sd •aaMOaaog ur paaaug leraUauag a 10 Spadoad all Jo J0Jsuea,L •81 393 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 puz'§uant 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: 0007688641 WYOMING-Single Family Fermis Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) Initials) urP Form 3051 3/99 (page 13 of 15 pages) MWY13CV 1 AO$IAMW (Wed g, so pi abed) 6WC Isos uuO 00/6 '1'I LN3WfULSNI WUOdINA anal e1PPau &'aW rluuad -NlwBd eleuiss NIWOAM 119 889L000 JeciwnN ueo aigeor;ddy zapun pap uuad si aa3 arp jo Sutgzerio alp pm pampuaz saotezas zo3 Sped pzup a oa pied si aa3 am 3r Siuo inq 'Suauuu2sul Allmon sIgl Sutseaiaz zo; aaj a zamozzog agziyo Seur zapua-i uopupzooaz Sue Sid iiegs zamozzog •auauuu1sui Saunas sup aseaiaz Itiys zapua `Suaulnzasui Allmon sup Sq paznoas sums iii jo luaurSid uodn •aseaiag '£Z ;l 0 papl3ua S ;igaai suosaad ao uosaad ay; o; ssaaxa Sue (a) pug fluawnalsul S ;lamas sly; Sq painaas suns lie o; (q) fsaa3 ,sLauao ;e algeuoseaa 'o; pa ;lull ;ou ;nq 'aulpnpul 'aies ay; jo sasuadxa lie o; (e) :tap() SuInnollo3 ay; ul paHdde aq Heys ales aq; jo spaaooad aqj •ales Sue Se Spada'," ay; asegaand Sew aaualsap s ;l ao aapua' •nne -I arm middy Sq paglaasaad aauugw ay; ul Nos aq ;legs Spadoad ay; pug 'aces jo aal3ou aq; gslignd iiegs aapua' •Sj uoipas ul papleoad aauugw ay; ul aamoaaog o; aces ay; 3o aol;ou alp Ilegs aapua' •marl aigeallddy gum aouspa000g ix; *maim) 3l 'Spadoad ay; 3o uolssassod ul uosaad aq; 03 pug aamoaaog o; asopaao3 03 maw; 3o aal ;ou ama Heys aapua-I 'ales 3o aamod aq; sanoeul aapua -I 3I •aauap!Aa a1313 3o S3S03 pug sag ,sLauao ;3e aigguossaa '0; pa ;lwli Sou 3nq 'aulpnpul 'ZZ uolpas slq; ul papp.oad salpawaa ay; aulnsand ul paaanoul sasuadxa ilg papa o3 pai3l3ua aq pegs aapuaj •MW aigeouddv Sq pa;Slwaad salpawaa aay3o Sue pue ales 3o aamod ay; aloeul Sew pug puewap aagpn3 ;nog ;IM 3uawna3sul S;linaas sly3 Sq painaas suns He 3o I;n3 ul SuawSed aSelpawwl aambaa Sum uo9do s ;l ;e aapuarl 'aanou ay; ul pa jraads amp aq3 aaojaq ao uo palm Sou sl 31ne3ap ay; 3I •algs pug uol;eaa;aaoe o; aamoaaog 3o asuapap aaq ;o Sus ao ;;nepap a 3o aoualsixa -uou aq; passe o3 uo;pe pnoa s gulag o3 3g31a aq; pue uol3eaaiaooe aa33e alulsulaa o3 ;gala ay; 3o aamoaaog waoJul aagpn3 ;;ells aal3ou aqj •Spadoad aq; 3o ales pug 3uawna;sul S31an3as spy Sq painaas stuns aq; 3o uol ;saalaaae ul 31nsaa Sew a3l3ou aq; ul paylaads a3ep aq; aaojaq ao uo ;ine3ap aq; in o; aanHg3 ley; (p) pug pan aq ;snw ;ine3ap aq; galgM Sq 'aamoaaog o; ua q sl aal ;ou aq; a ;ep aq; woa3 scup OE ueq; ssa; ;ou 'a ;ep a (3) f ;ine3ap aq; aan3 o; paalnbaa uol ;ae aq; (q) :31neJap aq; (u) :S,;pads Heys aal;ou aql •(aslMaaq ;o saplAoad Ms-I a;geal;ddv ssalun gI uopoas aapun uo!Seaaiaaae o3 aolad Sou ;nq) 3uawna3sul S3ian3as 5lg1 ul 3uawaaaae JO 3ueuaeoa Sue 3o yaeaaq mamoaaog aup nollo3 uol;gaaiaoag o; aolad aamoaaog o3 aal3ou aela Heys aapuaq •salpawaa :uolSeaalaaad •ZZ :smoIio3 se =Se pue IIIMMAoo Jari pue zamozzog SINVNHAOO WdOdINfl NON AO9tAMW (se5ed gL Jo gl o55ed) ewe t9oe UM (01/I9 u AlV67 S6£ ow ago }eq peisedds Apeuosiad IelAui s leiqu pV Sutpisaa d7 /9nd tCLVJoN 1572 v/YX *ewes eql pelnoexe AeyI /eys /ey Ieyl ow of pobpelMoure Ainp oynn 'luewnalsui enoge e43 }o (s)JeuBis e43 odor .Q•V 1001% ion swift wililENrJ gioulmP *MB *ma Amex Reis lc WWI AVOIS IVIOLTIO. itortwor ..w..r..w. r oo/C .1 1N3WnN1SNI WNOdINn aeyy •lppefd/eew eryued- -Afiwe3 eiBuigONIWOAM [tuew6peuMou>lod Jo; eul spql Modes eoeds] 3)IId 3 3OVU0 PUB 3)IId 3 SIHHOW r) 5 }o hp tp a43 u0 u v j /f 3O AIM 1Oa as "l1 9-10140g1RW3O LLV1S 5 63U, //P 3N Id 3 30VU8 3)I I d 3 S IJ 137 9 8 89L 0 00 :JeqwnN ueol sandxa uolssiUnuoo 'iytl li Tim papzooa= pus .ramonog Se! palnoaxa (s)zapiz Aug ui pus )uatutulsui eiluuoas site ui pauisluoo sluuuanoo pus SUIJal aql of saaau pus sldaoou zamotzog `MO"I$g JNINtDIS AB 8unuoAM Jo smg] uoildunxa psalsautoti alp Jo anlzin Aq pug iapun small un sanium pug sasnap.! zamoiiog •saaeiuM 'bZ O 5 1 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATrN: Charlotte Neel- Reinhart MORTGAGE RIDER 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. 336 The Mortgage Rider is made this 27th day of July, 2000 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 201 BRIDLE TRAIL, ETNA, WY 83118 (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 Eight and One Eighth percent 8.1250 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 0007688641 (Page 2 of 2) RID1 MCON 0 C117. 1 consents to any such transaction and /or to assumption of the loan secured by this Mortgage, Mortgagor shall not be released from any obligations hereunder. Upon the occurrence of any sale, conveyance, or transfer of the property covered by this Mortgage, in addition to the consent required aforesaid, Mortgagee shall be paid a reasonable service charge for changing its records to reflect such transaction. By signing this, Borrower agrees to all of the above. Borrower(s): A OR IS E PIK GRACE E PIKE 0007688641 (Page 2 of 2) 397 RID2MCON