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L 6 6£ Z I I viii iii ii I VA /ANOO LBW lWON) SWHOJ 30V0I11OW dWA LO /£0) l 0 '(9066> (AM)d91 :sMplul of to l e6ed SH311 HIIM IN3WfHiSNI WHOIINf1 peW alppeAA /aelry aluue1- AIlwad elBu!S 10g10201 „l;tadotd aqi ui sig8ij jo ta;sugil,,, 8uipgaq aql iapun Moiaq paquosap si iggl Mi doid aqi sugau i Spadoad„ (g) 0£0Z T 0 1 S f 19 f t b u tp lou IIn3 ut imp agl /(ad o1 pue sluouL (zd otpouad maw w imp sup Agd of pastwoid seq iaMO.uog 'Isamu! snid 00 0 017 9T T ST1) s 00T /00 PUP 03a0NfH bf10d ONVSfOHl N331XIS 03a0NfH 3NO iapuol S MO JOM0110g Iggl SOleis aIoN aq.L 000 Z 'I() i S f) 9 f V PO►gP pug 1atouog i(q pau8is alou £zossituoid atp streaw „a ;oN„ £T9T -Z0£T6 VO `SVSVBVlVo 'VOVNVa9 )IVd 00517 si ssatppg s,iapua-j 3o sMgi aql tapun Supsixa pure paziue8io NOIIVOd809 g si iapuo 2130N31 31VS310HM S.VOIb3WV Si „aapua'I„ (Q) °S1131I (888) 1 `9Z0Z IIAI `Iuii3 `9Z0Z xog p d 3o auogdalai pure ssaippi tg sal pug `atgMg(0Q 3o met aql 1apun 8upsixa pure pazttg810 si slaw •;uaumJ;suI d ;>i.maas stq; iapun aa8g8;aouu aq; si s2oN1 •su8issu pug stossaoons s,1apu0Z pug tapua7 t03 aauntuou g sg ,Cta]os 8uriog si nip uopg1odtoo aitui dos g st slut out `swaisAS uope ist8ag oiuotioa]g a2g2uow si „s?IgY1I„ (0) •luawntlsul AlunoaS sigi iapun .10M11ow 0y1 st JOMOttog NVW 319NIS V `83I21 'b 800df si „aaMotaog„ (g) •Iuawnoop siu{i 01 siapig !P gi1!M 0 0 0 2 T O ./S f19 f V PO1!P sI gotgnn `Iuawnoop sup smut ;uatun.0 ;soli Sivnaas„ (y) •9I uopo0S ui papinold ow on Iuawnoop sup ui posn sptoM 3o a2gsn aqi 8mpm8ai saint UWIJOD 1Z Pug OZ `81 `£1 `II suopoos ui paui op atg sptoM tagio pug Motaq pauijap atg Iuawnoop sup jo suopoas ojdpinw ui posn sptoM 6- 1717£17L00000- L9T000T /%1II"I ueo3 500££817 f. 7 1OVd 2Id 6vv 3IOOfl ONINO r1 =7N\ l, J 1\1NV3 f•V 0:01 NV -JfiV00 AiN1100 N Q3A13 j )UI O A M3N 1DVDJ I4i^1 [gyp Buiso[vMOJos37 £i89Z£ -LT8 [Ma 2ulpao3all Jo3 au1Z slq,L anogv aaedS] SICL98 SNOLLINI143Q S I lfVI I 9' N :Ag pat datd £90£6 VO 'A311VA IWIS OV021 NOANVO OdVI 008T 9NISS30011d IN30300 6L -AS SW :oI utnlag SOL£1 0867310 LOAN 4833005 (G) "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. (H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Balloon Rider VA Rider x (I) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) "Periodic Payment" means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Now and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS the following described property located in the COUNTY of LINCOLN [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LOT 29 IN THE SALT RIVER HEIGHTS SUBDIVISION AS PLATTED AND RECORDED IN THE RECORDS OF LINCOLN COUNTY, WYOMING. Parcel ID Number: 33140301 190 0 ��_�i_�_-P- Road N [Street/City] Wyoming 83128 "Property Address [Zip Code] ®6A(WY) (9905).01 CHL (03/00).01 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider Page 2 of 10 Second Home Rider 1 -4 Family Rider Other(s) [specify] Initials: which currently has the address of 528 Form 3051 3/99 66/C LSOC Uinta of to a seed LO'(00 /60)1HO toieoes) (AM)V9 elElllul 30 lu°mAmd olgM Jo3 swag Moiosg Aug io3 anp slunoure 0qi `apguAmd amok pug uagm `Ap°alip Aud !juts 1aMOJJOg `ianfM tons 30 loan° atp ul •ButuM UI aq Apo Arm lanluM tons Auy 'awu Aug iu Swan M01osg pig to dug Jo3 spund iapuai of dud o1 uopu gqo s,J°MOUGH anruM Agw Japual swag mimosa plg 10 Aug xo3 spund aq1 dud o1 uoug2ggo s,1 MO.uog SanrBM iapuaq ssalun swag mama ioj spund at 1 Japua-1 dud gags JOMO,uog •uouo0s sits lapun P1ud aq or slunoum jo saouou jlm Japuaj 01 gstuun3 dpdwoid pegs JaMouog •wail Moiosg ue aq pets sivatussasse pug saa3 `sanp tons pug `1OMOUOg Ag paMoiosa aq 'Aug 31 `sluaussassy pug snag `san(' uopgiaossy dllunwwo3 leq ai nbar Agw Japua-1 `ugo7 atp jo uual atp 8uunp awn due 111 Jo UOTMUI4UO ly „*swan MOJOSH„ pogo are SWO)! asat •01 uoAOOS JO SU01SI■oid aql tmmm aauep1oaau ui swnlward aouemsul a8u8uoj, jo 1uawAmd alp jo nag u! iapuaj o1 aaMO.uog Aq alqudgd stuns dug 10 `Aue 3i `swnTwaid aougmsul a8e8uoyss (p) pug :s uouoas Japan Japua-! 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Apo smog slaw 111131 Sa0J8g pug sputuslapun JaMOUOg „•Alxad0Jd„ 041 s1 luawtulsul A1lmoas S1tp ul or vamp.' sr 81138°133 atp 3O !!y •luawn.nsul Alunoas sits Aq p0lano° aq 0Sle !lugs suoutppu put Sluawa°g1da1 !!y •Auadoid atp 3o ued u 1a13ua1at Jo MOU smug pug `saoueuaunddu `sivawasma 311E pug `AUadoid alp uo moan 1°131°1°4 Jo MOU s1uawanoldwt 01 11 Ike HIIM IIHH139O1 500££817 NVO1 SINVNHAO3 Y1RIOdIN1l u &?3io LOAN 4833005 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 (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) 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 proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien_ or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification, and tracking services; or (b) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard 6A(WY) (9905).01 CHL (03/00).01 Page 4 of 10 Initials: 530 Form 3051 3/99 66 /S LSOS w40A •aouaptsal ledtouud s,iaMoziog sg ,C11adoid ail jo ,COUgdnOoo s,J1M0110g 2uiulaouoo suorimuasaidal `01 pauwq 1011 ale 1nq `apnpw suoraeluasaidai Iwoiuj,si •ueo'j all imm uonaouuoo ut (uonguuojur Tumuli' 114M Japual aptnOJd paiie3 1o) zapua'I of sluawa1111s 10 uongwloJut 210m000111 10 `$mpmaistw `asiej Augualew anm$ IUOSUOO Jo aBpaimow! s,11M0.uog pm. 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Juaq 3311IS slunowg °sal 1, 'ivawnrasui 1C1un0as sill Aq 3)011100510M01JOg do !gap imuomppm awooaq uggs S uonoas sill Japan Japua7 Aq pasmgstp slunourm iiud •paurmigo anti pinoo .10M0110 ,1 00UelnsUi 3 1500 0131 p000xa ,(nugoultdts ig81w paut11lgo os a211JanoO OOuminsut alp JO 1soO 0131 11111 sa2poimomlom J OMO1J011 •100330 III AjSn01nald S11M 1111131 02010A00 JOSSai Jo 10111012 aptnold 1t$rw pug A141gmr! 10 900££8b NVOI 01 10 9 e8ed 1.0'(00/S0)1H3 1019068) (AM)V9 OT 49Nn 0307310 532 LOAN 4833005 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and /or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and /or repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. 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 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. ©®BA(WY) (9905).01 CHL (03/00).01 Initials: Page 6 of 10 Form 3051 3/99 66 /E LSOE WJOd 01 10 L eBad LO•(00/E0)1H3 10'(B066) (AM)d9 mum pauiuuad papaaoxa LotyM zamouog woz3 pafoalloo Apeazie stuns Aug (q) pug :uuni paiftuuad otp of aare otp aonpaz of Cressaoau iunowg otp Aq poonpoi oq Bets a2zgy3 ugol Lions Aug (e) :uotp `suwq popmu d alp mow ueo-I aqi t Inn uopoauuoo ui paioalioo oq of JO paioaitoo saSmgo ueoj zagio zo Isazaiu! otp igya os pauazdzaiut Apewj st Mgi Imp pug `sa2zey3 ueoi wnwixew seas yotiM Mel g of ioafgns st ugoi otp Jr' •Me-I ajgeogddy Aq JO uuaunzisui Munoas stye Aq pairgiyozd /Clssazdxa are imp sooj aareyo iou /Cew zapuo' •aaj lions jo 8ut8reyo oqi uo uopigiyozd a se panusuoo oq iou Bets zamouog of aaj otwto'ads a agreto of fuawnzisui *moos stye ui Auuogine ssazdxa jo aouasge ayi `sooj zat1O Aug 01 pie2az uI 'sooj uopemen pug uopoadsui Apodozd `sooj ,s /Cotuoiie `al paiiup iou fnq `8utpniout `ivawnzisuI Alunoas stye zapun sfg8u pug /Cuodozd atf ut isazaiut s,zapuo' 3upoaiozd jo asodznd alp zo3 `finejap s,zamouog gitnn uopoauuoo ui pauuojzad saotnzas zo3 sooj Iamouog oSigto Aeu lapua-i •so2Jeg3 ueo-j •bj •zapuo i 3o su2lso pue szossaoons otp iuouaq pug (OZ uop3os ut papinozd sg )daoxa) putq hats ivawnJIsui AIunoOS stye 3o sivawaaz2e pug siuguanoo ouj •2uppm ut asealaz tons of saaz8e zapun' ssafun ivawnzisui /C4m3as stye zapun Ailuqup pug suope2ggo s,zamouog uOJJ pasuoloi oq iou pegs z1MOUOg •fuaunzisui *moos sup zapun siljouaq pug sit8u s,zamouog jo ile uteigo iigys `zapun' Aq panozdde st pug TupuM ti! ivawnzisui Munaos stye zapun suope2ggo s,zamouog sawnsse otm zamouog 3o Isazaiu' ui zossaoons Aug `8I uOpoOS 3o suotstnozd ail of ioafgns •fuasuoo s,10U2is -03 otp inogitm OIoN otp JO ivawnzisui /Cutznoog sup 3o suuai otp 01 weft q1 M suopepouu000u Aug axew zo reagzoj /C3ipow `puma ou aaag ugo zamouog zayio Aug pug zapua7 Imp saaz2g (o) pug :ivawnzisui /Ciunoas sigi Aq pamoas suns ati /Cud 01 paie8ggo (llguoszad iou sr (q) :ivawnzisui /Citm3os stye jo sum) otp zapun /Cuadozd otp ut isazaiw s,zau2!s -03 otp Aanuoo pue iuez8 `a8g2izow of /quo fuaunzisul AfunoaS sup 8utu8is -oo st (e) zau2is -oo„ e) aiol\i otp afnoaxa iou sop inq ivawnzisui Auunoos sup suds -o3 OgM zaMOUOg Aug `zanamoH •lezanas pug iuiof oq flays A1i(itet( pug suopg2ggo s,zaMOZZOg Nip s0012e pug siueuanoo zamouog •punog stalssV pug saossaaanS 'saau8is 03 'd ;►nge1; ieaanas pug ;mo f '£i °,(pawaz JO 1112u Aug 3o astozaxa olio apnioazd JO JO zanieM a OCT loll flays `anp uati mourn otp ueti ssal siunows u! 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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: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) 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. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses 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. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. 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Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. Witnesses: STATE OF WYOMING, The foregoing instrument was acknowledged before me this 1st day. of August, 2000 by Jacob R. Rieb My Commission Expires: Feb. 26, 2002 O 6A(WY) (9905).01 CHL (03/00).01 Notary Public Teton County ss: °6 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower Page 10 of 10 Form 3051 3/99 65/Z 0511 mo L•tes(00ti) SW130d 3OV AMOW d 1A (oo/Po)1H3 (Zile) HL. �_siBu�u� a {o t aim 1N3nnd16NI ridO,JINf bun a1PporAraaw a!uuttdofountd e1 aid 31V1SI11f II ti Ismmme 4iadolgj -413sog doo' aloTsTTTH L+7£Z 8�Z £8 AM NId1V P Pur; luawtulstq 4 4=1 VIP tit Pgclu I(iiadotd atp Suts2AO3 Pug asp auras atp 3a (.tapur#„ aqs) N30N31 31VS310HM S.V3IN3WV 0171om s,aamau0g ammo en iamouog. mti) paaStsrapun atp Aq uantg 'amp atuas NI 30 Aitsrtaag„ alp) pa i itptixas m isruj. �o paaQ '*Beguop aqi ivawagddns Pug puawe 01 patuaap aq Heys pug omt pamiodsoaut st Pug 0 0 0 Z 1 S n 9 nv 30 itPp 1S21 i 3 MP oPsli st 2j3ani .LN3hid0191M3Q .Ll■lfl Cj3Nisreld stH t# ueo1] 9OOEC9 tl 6utsoo/KO.►asg] 099Zt -Lt8 590£6 v0 'A311VA IWIS GVOJ NOANVO OdV1 0081 9NISS3JONd 1N3Wn00ti SL -AS SW E1QDi INawdO'1 Aa 1 £INfl (13IsINVIci (un/ Offmin s old sun tpu, may 4seds1 N3V33W 'W :AEI palduj :0 wili02j OT 49FO 069 -d Rid 611-1 99/1E1/608 301MAdiNt100 WdZ on-tr.-or o i 31.0 (Name of Plennea Lino Development] LOAN 4833005 The Property includes, but is not bmtted to, a parcel of land unproved with a dwelling, together with other such parcels and certain common area and facilities, as described in THE COVENANTS, CONDITIONS, AND RESTRICTIONS FILED OF RECORD THAT AFFECT THE PROPERTY (the "Declaration The Property is a part of a planned unit development known as SALT RIVER HEIGHTS 6- 36 (the "PUD The .Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners Association") and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligation& Borrower shall pcnform all of Borrower's obligations under the PUD's Constituent Documents. The "Constituent Documents" are the (i) Declaration; (ii) articles of incorponllion, trust instrument or any equuvalcnt document which creates the Owners Association; and (iii) any by -laws or other rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. S. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a master" or "blanket" policy insuring the Property which is satisfactory TO Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and against loss by fire, hazards included within the Tenn ''extended coverage," and any other hazards, including, but not limited to, earthquakes and floods, for which Lender requires insurance, then: (i) Lender waives the provision in Section 3 for the monthly payment to Lender of the yearly premium installments for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provuiod by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the manner or blanket policy. In the event of a distribution of propeny insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common area and fac'iliues of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instruunent, whether or not then due, with the excess, Warty, paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable ro insure tar the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower m connection with any condemnation or other taking of all or any part of the Properry or the common area and facilities of the P(JD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by die Security Instrument as provided in Section 11. R. Lender's Prior Congest. Borrower shall not, except after notice to Lender and with Lender's prior wntten consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or iermination required by law in the cast of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (111) tenninauon of professional management and assumption of self management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. 411v7R (9912) CHI. (04100) ini tials. 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