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Home My WebLink About867363a8e8uoyv pax!A S6/51 /8 AMZ1683 JNI 309 2ld sfiT�J 3100C1 9Pdl 'VO /;M 1 i 1 ,4d '1- JflV 00 1 J A.1_1''41100 i s 10014!" 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I am giving Lender these rights to protect Lender from possible losses that might result if I fail to: (A) Pay all the amounts that I owe Lender as stated in the Note; (B) Pay, with interest, any amounts that Lender spends under Paragraphs 2 and 7 of this Security Instrument to protect the value of the Property and Lender's rights in the Property; and (C) Keep all of my other promises and agreements under this Security Instrument. DESCRIPTION OF THE PROPERTY I give Lender rights in the Property described in (A) through (G) below: (A) The property which is located at 1333 NARROWS TURNERVILLE ROAD, THAYNE, Wyoming 83127. This Property is in LINCOLN County. It has the following legal description: LEGAL DESCRIPTION ATTACHED HERETO AND MAD A PART HEREOF. (B) All buildings and other improvements that are located on the Property described in subparagraph (A) of this section; (C) All rights in other property that I have as owner of the Property described in subparagraph (A) of this section. These rights are known as "easements and appurtenances attached to the Property (D) All rights that I have in the land which lies in streets or roads in front of, or next to, the Property described in subparagraph (A) of this section; (E) All fixtures that are now or in the future will be on the Property described in subparagraphs (A) and (B) of this section; (F) All of the rights and property described in subparagraphs (B) through (E) of this section that I acquire in the future: and (G) All replacements of or additions to the Property described in subparagraphs (B) through (F) of this section. BORROWER'S RIGHTS TO MORTGAGE THE PROPERTY AND BORROWER'S OBLIGATION TO DEFEND OWNERSHIP OF THE PROPERTY I promise that: (A) I lawfully own the Property; (B) I have the right to mortgage, grant and convey the Property to Lender; and (C) there are no outstanding claims or charges against the Property, except for those which are of public record. I give a general warranty of title to Lender. This means that I will be fully responsible for any losses which Lender suffers because someone other than myself has some of the rights in the Property which I promise that I have. I promise that I will defend my ownership of the Property against any claims of such rights. PLAIN LANGUAGE SECURITY INSTRUMENT This Security Instrument contains promises and agreements that are used in real property security instruments all over the country. It also contains other promises and agreements that vary, to a limited extent, in different parts of the country. My promises and agreements are stated in "plain language." C"- INMCN912WY 8/15/25 Fixed Mortgage a8e8uo{N paxi.j 56 /S I /9 AA\Z160D J JI 3%>" °awq of aw14 tuo.1J papuawe aq ,Cew MuI Imp se «`l7L6I JO lad saJnpa0OJd luawall4as aluisg'nalf„ alp palled AAei IuJapaj aql .spun „lun000e M0J3Sa„ un ut amid of atu ai!nba.t p'noo ueo! aStapotu palulaJ ,CIIe'apaJ„ a J0J Japual lunowe tuntutxem agl unli 010111 aq louue0 lunowu Iulol s!qI plot! pug 40a1Io0 awls Aug In uuo Japuai spung 30 lunotun Iulol all uo quill sand Mg' Ng, paInOas sums Hu Joj ,il!Jnoas Inuotltppu se pa2pald aie spung aqZ •„spung„ all palle0 aq IItM gduBuJUd slgi Japan swan MOJ0Sg .toj Japuarl of And I lull siunoutn aqd, .And 04 tun I lunown all 2u!u!uualap Jog pogiaut Jagloue asn of Japua-1 sa.tmbai Me' alp ssalun `ainln3 0114 ui swall mama Job And of 0Aeg IItM l lunoutn alp go saluw14sa algeuosuai pun sum pun sivautssassu 2upslxa 2utsn ,iq small MOJOSg Joj ,Ced 04 anug II!M j lunotun agi auto 04 aurti t.uoiJ ainums° IItM .tapua-1 (Aug ji) aouuinsu1 a2n2iiouz 4o3 wnlwaid ,CIJea,C palewti5a agi Jo pealsut Molaq 8 gdn.an.tnd Japan iapuaq And 04 pa.lnbai aq ,Cnw I lunouzn ,CIJna,i paletugsa agi, (IA) pun `(,Cue fir) aoun tnsut a2n2potu Jog =guard ,CjJUa,C palutugsa oq j (A) -(,Cuu jt) ,(l.tadoJd agi 2wJ0A00 aougjnsul poog Joj wnlwaJd ,CIJUa,C palutugsa 041 (A!) `,CiJado.d agl 2uUaAoo aounansut 4iodoid Jo toning .toj wntwa.d ,CIJea,C paint.ullsa aqZ (t!t) `(,Cue 3t) XliadoJd alp uo swat punoiS 10 sluauv(gd plogasua' Xliea,C paluwllsa 041(!t) a se uMOU)I s! pal! JInJ wag lou st?g uo1lg2ggo tie asneoaq ,iliadoid isurnSg apgut s! lggl a2.tngo Jo punwap `wlnlo ,Cud •,ilJadoJd agl uo up!! e su ltzawnIlsul ,C4[Jn0as stgl of Jouadns aq ,Cuw Mul Qty. Japun got4M ,ClJadoad agl uo qua.' JaMas pun `sa2Jeg0 ingturs Jag4o pun sa.tugo affuluoJ3 401 m `sluautssassg `saxel ,flJea,C palutugsa ag j :„sutall Mo.osg„ paiiuo on go!gm `Molaq (!A) ggnoigi (t) u► pals!' swal! ago ioj aq II!■ z gdeauJnd slgl .tapun sluaw,Cud /(yAl aloN agl .tapun anp 0Je lsaaalu! pug Indtouudjo sluawXnd ,Clg4uow ,Cw ;mg ,Cup awns 0111 uo sluaw,Cud asap a3lew lllM l °asTMJagio saJ!nbaJ Awl atll ssalun 40 `Os op 01 anng lou op j mg `211141J■ UI '0111 sllal lapuai ssalun Japua-1 04 gunman mtg. Jo Ilu ,Cud IItM I •Japua-1 of lunowg s►gl And !gm I •aounJnsu! age24JOw Jo 4500 all 01 Ignba lunown ue Japuarl And 01 pailnbai tun l aoueinsu! a2u2l1ow 4o3 8ut,ied 3o pnalsu! `Molaq g gdn.tau.tnd .tapun `3! pug `aOUeInsu! auglJow 4o3 And 04 ,(JUSSa0au siunourn IIn Japuarl 01 And IIIM os'n I 'Nom all Japan And 04 aslwoid I lull unol all 2ut)lew Jo uol4lpuoO n su aOUeansu! 0204.1ow pa.tnbai Japuarl II (Aug 3!) aouninsui pooh pun `,iiJado.d al4 5upano0 aouninsui ,i4Jadoxd Jo pJezug `(,iue .f!) slum) puno15 Jo sluaw,ind plogasnal 'slum JaMas `saa1eg0 "mulls Jal4o pun saJngo a$eluoJJ Jal1M `sluawssassg `saxul 404 And 04 Atussa0au slunown jig Japua7 04 And II!M l suo9t.2ifgo s,10M4.0.1.10g (v) {DNVM11SNI CINV SLXV12IO I SINW JAVd 'Z luawaa18V ugo-1 uo!IOnJisuo3 atll Japan suollatlgo ,(w Jo Hu uuo3Jad 04 aslwoid os'g I aloN atl4 Japan anp saR ego 04nj pun luaw,Cnda1d ,Cue pug °lox ago Japan anp lsaaalu! pun indlouud aw14 uo JapuaJ 01 And IItM I Add OZ aSIJAIOld S42I1MO2RIOg 'I SINVM3A0D :sMOIIo3 sn Japuai g41M 0012n l pun aslwoid 64 S If there is another law that imposes a lower limit on the total amount of Funds Lender can collect and hold, Lender will be limited to the lower amount. (B) Lender's Obligations Lender will keep the Funds in a savings or banking institution which has its deposits insured by a federal agency, instrumentality, or entity, or in any Federal Home Loan Bank. If Lender is such a savings or banking institution, Lender may hold the Funds. Except as described in this Paragraph 2, Lender will use the Funds to pay the Escrow Items. Lender will give to me, without charge, an annual accounting of the Funds. That accounting must show all additions to and deductions from the Funds and the reason for each deduction. Lender may not charge me for holding or keeping the Funds, for using the Funds to pay Escrow Items, for making a yearly analysis of my payment of Funds or for receiving, verifying and totaling assessments and bills. However, Lender may charge me for these services if Lender pays me interest on the Funds and if the law permits Lender to make such a charge. Lender also may require me to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with my loan, unless the law does not permit Lender to make such a charge. Lender will not be required to pay me any interest or earnings on the Funds unless either (i) Lender and I agree in writing, at the time I sign this Security Instrument, that Lender will pay interest on the Funds; or (ii) the law requires Lender to pay interest on the Funds. (C) Adjustments to the Funds Under the law, there is a limit on the amount of Funds Lender may hold. If the amount of Funds held by Lender exceeds this limit, then the law requires Lender to account to me in a special manner for the excess amount of Funds. There will be an excess amount if, at any time, the amount of Funds which Lender is holding or keeping is greater than the amount of Funds Lender is allowed to hold under the law. If, at any time, Lender has not received enough Funds to make the payments of Escrow Items when the payments are due, Lender may tell me in writing that an additional amount is necessary. I will pay to Lender whatever additional amount is necessary to pay the Escrow Items in full. Lender will determine the number of monthly payments I have in which to pay that additional amount, but the number of payments will not be more than twelve. When I have paid all of the Sums Secured, Lender will promptly refund to me any Funds that are then being held, by Lender. If, under Paragraph 21 below, Lender either acquires or sells the Property, then before the acquisition or sale, Lender will use any Funds which Lender is holding at the time of the acquisition or sale to reduce the Sums Secured. 3. APPLICATION OF BORROWER'S PAYMENTS Unless the law requires otherwise, Lender will apply each of my payments under the Note and under Paragraphs 1 and 2 above in the following order and for the following purposes: First, to pay any prepayment charges due under the Note; Next, to pay the amounts due to Lender under Paragraph 2 above; Next, to pay interest due; Next, to pay principal due; and Last, to pay any late charges due under the Note. 0867363 4 R4 INMC #912WY 8/15/95 Fixed Mortgage .9 aBeA JOyx paX! 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IIM I VIV'ID a wV SINILAkSSdSSV `Sa01VH3 AVd OZ MOI.LV9I1110 SaIaMO2RIOg 'b 0867363 G 5 given to Lender by this Security Instrument; or (C) Lender and I have agreed in writing not to use the proceeds for that purpose. If the repair or restoration is not economically feasible or if it would lessen Lender's protection under this Security Instrument, then the proceeds will be used to reduce the amount that I owe to Lender under the Note and under this Security Instrument. If any of the proceeds remain after the amount that I owe to Lender has been paid in full, the remaining proceeds will be paid to me. If I abandon the Property, or if I do not answer, within 30 days, a notice from Lender stating that the insurance company has offered to settle a claim, Lender may collect the proceeds. Lender may use the proceeds to repair or restore the Property or to pay the Sums Secured. The 30 -day period will begin when the notice is given. If any proceeds are used to reduce the amount of principal which I owe to Lender under the Note, that use will not delay the due date or change the amount of any of my monthly payments under the Note and under Paragraphs 1 and 2 above. However, Lender and I may agree in writing to those delays or changes. If Lender acquires the Property under Paragraph 21 below, all of my rights in the insurance policies will belong to Lender. Also all of my rights in any proceeds which are paid because of damage that occurred before the Property is acquired by Lender or sold will belong to Lender. However, Lender's rights in those proceeds will not be greater than the Sums Secured immediately before the Property is acquired by Lender or sold. 6. BORROWER'S OBLIGATIONS TO OCCUPY THE PROPERTY, TO MAINTAIN AND PROTECT THE PROPERTY, AND TO FULFILL ANY LEASE OBLIGATIONS; BORROWER'S LOAN APPLICATION (A) Borrower's Obligations to Occupy the Property I will occupy the Property and use the Property as my principal residence within sixty days after the "Permanent Loan Commencement Date" referred to in the Construction Rider attached hereto. I will continue to occupy the Property and to use the Property as my principal residence for at least one year. The one year period will begin when I first occupy the Property. However, I will not have to occupy the Property and use the Property as my principal residence within the time frames set forth above if Lender agrees in writing that I do not have to do so. Lender may not refuse to agree unless the refusal is reasonable. I also will not have to occupy the Property and use the Property as my principal residence within the time frames set forth above if extenuating circumstances exist which are beyond my control. (B) Borrower's Obligations to Maintain and Protect the Property I will keep the Property in good repair. I will not destroy, damage or harm the Property, and I will not allow the Property to deteriorate. I will be "in default" under this Security Instrument if I fail to keep any promise or agreement made in this Security Instrument. I also will be in default under this Security Instrument if any civil or criminal action or proceeding for "forfeiture" (that is, a legal action or proceeding to require the Property, or any part of the Property, to be given up) is begun and Lender determines, in good faith, that this action or proceeding could result in a court ruling (i) that would require forfeiture of the Property or (ii) that would materially impair the lien of this Security Instrument or Lender's rights in the Property. I may correct the default by obtaining a court ruling that dismisses the legal action or proceeding, if Lender determines, in good faith, that this court ruling 6 9.i INMC/ 912 W Y 9/15/95 Fixed Mortgage 'IV a8e8uow paxi3 S6 /SI /8 AMZ I6 #DNINII atutl at!). jo su) wniw ad aouuansut a$u$faotu XlaeaX agI jo gl.IlaMl -auo of lunba Iunotuu uu giuow goua .tapuaq oI Xud IItt I •a2e10AOO aouu.tnsut a$dlaotu ow aoj alnlrfsgns u su „animal ssol„ u gsrtqulsa !pm .tapua-I `alquimnu Iou sr aguaanoo aouuansut aBalaoui Iua1enrnba XJJurfuufsgns 3I •aapuo' Xq panoaddu aq Isnut aaansur au51aotu aluu.talju alp puu `aReaanoo aouuansut a$u;Ilaoul snotnaad ow jo ow of Isoo ow oI lualunrnba XI Jutluulsgns aq fsntu auaanoo aoueansu! a$eSpow sup Jo moo alp `aanaMOH •a5u.I0nO0 aouuansul auSpoUt Iuajuntnba Xlluguefsgns aoj swnrutaad aqf Xed !pm I `loanno ur aq of sasuao JO sasdul affeaanoo aouuansur agdliout aqI `UOSeat Xuu JOT `jJ •aouuansu! ageSIaow agf aoj swnituaad ow Xud !pm J `aloj\I ow aapun Xud of asrutoad I Iugl uuol agI Wuppw Jo uorirpuoo u su aouuansut &allout paatnbaa aapuarl 31 ��AI�'2If1SAII a9V9,1IIO1AI '8 •Isolalui gum sfunotuu asogl Xud of asrtuoad sup doo1 IOU op 1 asuo ui aapuaq loalo.td !pm IuatunafsuJ ,Clr.tnoas stq,I, •gduffui d sIgl ut asap wag luaaajjtp aau le p luau /Cud Jo stuaal of Surlt1M ur 0015u /CM I puu aapua -J `aanaMOH •aapuarl Xq wads sr Iunotuu aql lugl amp agi uo u!2aq !pm lunoute gouo uo Isa.talul •alea aloM agf Iu slunoutu asap uo Isamu!! Xud osp II!M I •os op J lugl 2utfsanbaa aotlou u ow spuas Japuoi ua4M aapuo'J of slunotuu asogl Xud ll!M I •L gduagutud sup aapun spuods aapua-I gorgM Isamu! glint `slunotuu Xuu aapua-J of Xud II!M I os op oI anon loo saop aapua' `L gdua5uaed srgf aapun uoUou a)lul Xuw .Iapua-I g2noglld •s.tiudai ovw of Xlaadoad alp uo Suualua pug sooj s,Xauaoflu alquuosual SuiXud `I.Inoo ur Outaeaddu apnlour Xuw suotlou mapua-I •Xlaadoad agi ur slqpi s,aapua-J puu Xlaadoad ow Jo awn alp ioafoad oI Xaussaoau si .tanafugM aoj Xud puu op Xutu aapual `(suorlulnOaa .to shut aaugua of JO `aanlraJaoj JO uotluutuapuoo .Ioj `afugoad ur `Xofdna)Iuuq ui Sutpaaooad legal u su lions) Xfaadoad aqI ut slg2!J mapuo'j mane XlluuogiuSrs Xuw Iegl Surp0000ad Taal u suOaq `oui 2urpnlour `auoautos (g) .IO `fuownalsul Xlranoas sup ur aputu sfaatuaaau puu sasiwoad Xtu daal lou op I (y) :3I A1MIdOld am All SIHORI S.LI 1,331O1d OZ 'L •fuatunalsuJ Xltanoas sup aapun IlnuJap u su sup mail !IIM aapua'l `uuoi 0144 aoj Xlrlrgr2rla Xtu gututttualap ut aapuarl OI luefaodutr U011uutJO3ut gluts aapuarJ aptnold 01 palreJ J ssaooad uotfuogddu Uuol agI gutanp 3t `osld •uorlutuaojur IuulaodUIt JO luamalufs afuanaauui 10 aslej u jo aldutuxa auo lsnf st srgl •aouaprsa.I Iudrourad u su Xlaadoad agf Xdn000 of suotfualur Xtu JO uorleluasaadaasttu e apnlour pinoM aapua' oI luulaodutr uolleuuojui lnoqu sluautaluls afeanoouur ao aslu,d •Iuautnafsul Xllanoas sup aapun llnuJap u su suogou Xtu luau !um aapua' `uuoj aqI aoj Xltlrgr2rla Xw Sututtuaalap ur aapun Of fuulaodtut uolletuaojur Inoge aapua-I oI sluatualuis aluanoosur ao asiuj apuut I `glom ow aapun Xud oI asrtuoad J lugl ueoj agf aoJ ssaooad uolluorlddu alp &Iunp `3I uotlua!Jddv uuo•I m0,1,102.1011 iaog •2utftIM ur aa2Jaut ow 01 saaa& aapual ssalun &aaw loo IIrM 011[1 aaj 0141 puu Isaaalur asuaj Xut `Xlaadoad ow of 01111 aaJ alp oiinbou I J! `Iugl aaa5u osJu •asual Xtu aapun suotlatigo Xtu Ito Ilgin3 IIIM I `Xlaadoad ow uo luuttal u tuu Inn unto loo op in suo9e3pgO asua7 Xu\ llglnd 01 suo91 qq0 maeto.uog (D) JJn� ur IuaUIXed afutpatutut paautbaa sun aapuag ji uana `MoJaq g I gdeaguaud ur paprnoad se `panurfuoosrp luattlnalsul ilranoas sup jo IuautaoaoJua snug 01 1112ra a anon JIrM 1 `llnuJap agf loa.Iaoo J f •X agI ur sl4Sra scaapua1(ii) 10 luatunafsul Xlranoas sup Xq pafuaao Ua1J agl (r) Jo fuau.Iaredutt Ieraalum Xuu sluanaad ow pug Xfaadoad sup ur SlsaaafUI Xtu jo aanfrajaoj sfuanaad 7 0 3E;7363 n' 65_3 the coverage lapsed or ceased to be in effect). Lender will retain these payments, and will use these payments to pay for losses that the mortgage insurance would have covered, and such payments shall be irrevocable and non refundable. Lender may choose to no longer require loss reserve payments, if mortgage insurance coverage again becomes available and is obtained. The mortgage insurance coverage must be in the amount and for the period of time required by Lender. The Lender must approve the insurance company providing the coverage. I will pay the mortgage insurance premiums, or the loss reserve payments, until the requirement for mortgage insurance ends according to my written agreement with Lender or according to law. Lender may require me to pay the premiums, or the loss reserve payments, in the manner described in Paragraph 2 above. 9. LENDER'S RIGHT TO INSPECT THE PROPERTY Lender, and others authorized by Lender, may enter on and inspect the Property. They must do so in a reasonable manner and at reasonable times. Before or at the time an inspection is made, Lender must give me notice stating a reasonable purpose for the inspection. 10. AGREEMENTS ABOUT CONDEMNATION OF THE PROPERTY A taking of property by any governmental authority by eminent domain is known as "condemnation." I give to Lender my right: (A) to proceeds of all awards or claims for damages resulting from condemnation or other governmental taking of the Property; and (B) to proceeds from a sale of the Property that is made to avoid condemnation. All of those proceeds will be paid to Lender. If all of the Property is taken, the proceeds will be used to reduce the Sums Secured. If any of the proceeds remain after the amount that I owe to Lender has been paid in full, the remaining proceeds will be paid to me. Unless Lender and I agree otherwise in writing, if only a part of the Property is taken, and the fair market value of the Property immediately before the taking either is equal to, or greater than, the amount of the Sums Secured immediately before the taking, the amount that I owe to Lender will be reduced only by the amount of proceeds multiplied by a fraction. That fraction is as follows: (A) the total amount of the Sums Secured immediately before the taking, divided by (B) the fair market value of the Property immediately before the taking. The remainder of the proceeds will be paid to me. Unless Lender and I agree otherwise in writing or unless the law requires otherwise, if only a part of the Property is taken, and the fair market value of the Property immediately before the taking is less than the amount of the Sums Secured immediately before the taking, the proceeds will be used to reduce the Sums Secured. If I abandon the Property, or if I do not answer, within 30 days, a notice from Lender stating that a governmental authority has offered to make a payment or to settle a claim for damages, Lender has the authority to collect the proceeds. Lender may then use the proceeds to repair or to restore the Property or to reduce the Sums Secured. The 30 -day period will begin when the notice is given. If any proceeds are used to reduce the amount of principal which I owe to Lender under the Note, that use will not delay the due date or change the amount of any of my monthly payments under 8 INMC #912WY 8/15/95 Fixed Mortgage aBeAUO{p paxi3 c t 56 /S US G AMZ L6 #DNINI 6 '3X •aaMOaaog 01 papunpi aq IItM quill palliuuad papaaoxa goiwM .iaMO.iwg woad paloallo° /ipuaalu sums Aug (g) pug `Iiwil palliuuad am 04 a2Jutp aqI aonpai of,(i ssaoau Iunowu alp i q paonpa.i aq Hugs a2augO uuoi Ions /(uu (y) :sliwq palliwaad paaoxa two' am glint UopoauUOO ut paloallo° aq 01 10 paloalloo so iugo ui of aaglo ao Isaaalui aqI imp os papid.iawi Xiiuug si Mgl lug; puu tamp uuol wnw ►xuw si s goigM Mui g 04 loafgns si luawnalsul /(lunoas sap ,(q pa.inoas two' am 3I SIIO2IVHD NVO'I '£1 °luasuoo s Imp Inogl!M aloN am ao luawnalsul /ClunOas sup Jo swim alp 04 pi1SaJ ql!M suoilupowwoOOU /(uy a)luw Jo /(Jipow 04 Jo s4.42u s,aapuaj Jo km 2utOaoJua ,Cupp o; s.IaMO1.iog aaglo am glint aaa2u /Cuw aapua-I Iugl saaa2u uosaad Iggl (D) puu `.pa.inoas scans aglIced 04 palaggo /(llguosaad lou si uosiad Iggl (g) pug `.luawnalsul /(lianaas sip 3o sutaal am aapun .Iapuo oI ,Caiado.id am ui s lygl amt 04 /quo Iuawnalsul /Clunoas sup 2utuSis s! uos.iad Imp (y) :atom am u2is lou saop sn 4o auo 4t `aanannoH •pa.inoas scans amp Iie /(i d of paiinbaa aq ,(yw sn jo auo /(uu Imp suyaw sigI •aaglaSol sn jo llg Isuivau ao Xllunptnipui sn Jo iOUO IsweSu Iuawnalsul /(Iianoas sigl aapun slgSia s,aapua1 aoaoJua /(uw aapuarl •Iuawnalsul /CitanOas sup w pawyluoo suoilatlgo puu sasiwoid s,aaMoaaogJo Iiu daal 04 palaiigo XIIn3 Si sn Jo gOga `aaMOaaog sy luawnalsul /(Iianoas sup suds uosaad auo trap aaow 3I °luawnalsul /(lunoaS sup ui api w sluawaalau s,aapua' Jo Hu claw' oI paluSllgo aq IIIM puu s442ia s,aapuarl Jo llu anug 4!^A luawnaisul /Clianoas sup aapun suotlailgo ao s440i1 s,Japuai JOAO SWIM 014M uosaad /(uu `/(Iauiiwis •luawnalsuj XlunOas sup ui apgw sluawaaa; y puu sasiwoad /Cm jo iju daal 04 palg aq HIM puu s442ia Au! 3o iiy angq IIIM Iuawnalsul /Clianoas sup aapun suoilaggo ao sl4St1 /iw JOAO swim own uosaad /(uy SNOIIV9YIg0 210 SZHOIUI SaIIIMO212IOg 2IIIAO 9NDIVI SNOS1IIId 10 (INV 2IIIM011110g 10 SMOLLVOIrIfO •Iuawnalsul /(Iianoas sup aapun pug °lox agl aapun aapua1 04 aMO I veto lunowy alp Jo um ui Iuaw/Cud aluipawwl a)lyw 1 Imp puuwap 04 Molaq IZ gdgaagaud aapun I142ia agI angq Ii[M aapua' `/(laadoad 044 Isuiag suag ao saRauga `swiup aaglo s/(yd JO `saxgl s/Cud `aOUgansul su[glgo aapua'l Ji uang •aanlnj am ui wagl aoaoJua puu asioaaxa /(uw pug sl42la asogl Jo Ijg angq Mils II!M aapuarl `Mul am aapun ao luawnalsul /Ciianoas sup aapun aapua' JO 142!1 /(uu aOaoJua ao asioaaxa lou saop aapua-l3i uang slg3lg s (g) os op 04 palsanbai si aapua' 4i uang `luawnalsul /ClianoaS sup aapun ao al0N am aapun suoiluSggo 2uiiiginj lou ao3 uosaad u Bons Isuiuge Itnsmut g 2uuq of paambaa aq Iou iiiM aapua' os op 04 Iou palsanbaa st aapuarl.i uang `suot4224go pug swap ,(w JOAO swim oqM uosaad g aoj sauu4O ao s/Culap asogl Molly /fuw aapuai °Iuawnalsut /(lianoas sup aapun pug atom am aapun palailgo /(un3 aq Mils gloq !pm I puu uosaad Imp `JanaMO4 `stgl saop aapuaZ 4t uang •luawnalsul /ilianOas sup aapun ao a4ON alp aapun anp Isaaalu! puu ludiouud jo sluaw/Cud ,(Igiuow am Jo lunowu am a5uu4O 04 ao /Cupp 04 suoiluSggo pug s442!1 /(w JOAO sa)lul oqM uosaad g Molly /cew aapua7 suoil<eSgg0 maMOJJog (y) SIHOIDI sanction 10 «NY SNOI.LVOI'IIO saIIIM011U0t1 30 NOILVI1NLLNOD 'II •saSuggo ao s/Culap asogl oI Butli1M ui aalSe /(yw I puu aapua'l `aanaMOH •anoqu Z puu j sgdua2uaud aapun pug aloN aqI PS9 C9�4,9S0 Ob673 a3 16. BORROWER'S COPY I will be given one conformed copy of the Note and of this Security Instrument. i 65 5 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 under the Note. 14. NOTICES REQUIRED UNDER THIS SECURITY INSTRUMENT Any notice that must be given to me under this Security Instrument will be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice will be addressed to me at the address stated in the section above titled "Description of the Property." A notice will be given to me at a different address if I give Lender a notice of my different address. Any notice that must be given to Lender under this Security Instrument will be given by mailing it to Lender's address stated in subparagraph (C) of the section above titled "Words Used Often In This Document." A notice will be mailed to Lender at a different address if Lender gives me a notice of the different address. A notice required by this Security Instrument is given when it is mailed or when it is delivered according to the requirements of this Paragraph 14 or of applicable law. 15. LAW THAT GOVERNS THIS SECURITY INSTRUMENT This Security Instrument is governed by federal law and the law that applies in the place where the Property is located. If any term of this Security Instrument or of the Note conflicts with the law, all other terms of this Security Instrument and of the Note will still remain in effect if they can be given effect without the conflicting term. This means that any terms of this Security Instrument and of the Note which conflict with the law can be separated from the remaining terms, and the remaining terms will still be enforced. 17. AGREEMENTS ABOUT LENDER'S RIGHTS IF THE PROPERTY IS SOLD OR TRANSFERRED Lender may require immediate payment in full of all Sums Secured by this Security Instrument if all or any part of the Property, or if any right in the Property, is sold or transferred without Lender's prior written permission. Lender may also require immediate payment in full if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person. However, Lender shall not require immediate payment in full ifthis is prohibited by federal law on the date of this Security Instrument. If Lender requires immediate payment in full under this Paragraph 17, Lender will give me a notice which states this requirement. The notice will give me at least 30 days to make the required payment. The 30 -day period will begin on the date the notice is mailed or delivered. If I do not make the required payment during that period, Lender may act to enforce its rights under this Security Instrument without giving me any further notice or demand for payment. 18. BORROWER'S RIGHTS TO HAVE LENDER'S ENFORCEMENT OF THIS SECURITY INTEREST DISCONTINUED Even if Lender has required immediate payment in full, I may have the right to have enforcement of this Security Instrument discontinued. I will have this right at any time before sale of the Property under any power of sale granted by this Security Instrument or at any time before a judgment has been entered enforcing this Security Instrument if I meet the following conditions: 10 Wt. INMC #912WY 8/15/95 Fixed Mortgage 1;1) alreffuoy4 paxi3 S6/51 /8 T AMZ I6 #3 NNJ l t Hours asagl aims JO asn Cum I pun `/Claadoad alp jo aouuualuteut puu asn Ie►luaptsaa Inuuou aoj aluudoadde se paztu5ooaa IrinaauaS aan legs saounlsgns snopanzuH Jo sa►TUuunb hems jo /Claadoad agI uo aouasaad alp 1truaad /(nut I `aanannoH 'OS op 01 asp auo/Cue noun loU Minn I pun `/Claadoad alp uo aouuisgns snopanznH Aug map.' JO `/Claadoad agl uo saouelsgns snopanznH jo asods►p 1ou Iltnn Ogg I •os op o1 asia auo/Cue mop 1ou Iltnn I puu `/Claadoad alp uo saounlsgns snopauzuH gaols JO asn lou rum I •/Claadoad aqI uo luasaad aq 01 saouulsgns snopanznH l►tuaad Iou Minn I snopanznH„ paiieo age 0Z gdua5naud sigl jo sasodand aoj snopanznq paaaptsuoo saouulsgns aqI puu sMU'I inluatuuoa►nug /Cg snop.anzuq ao o►xo1 su paugap saounlsgns a41 •srupalnru angoeorpna puu `ap/cgapinuuoj ao solsagsn 5urutnluoo stupor `sluanlos aiilnion `saptotgaaq puu saplollsad o►xo1 `spnpoad umaioalad otxol 10 alquuzuzulj aaglo `auasoaaN `autlos1 aau asagi •0Z gduafuaud sign jo sasodand aoj snopauzeq paaapisuoo am Turn saouulsgns aagl0 OM aaagj •snopauzuq 10 oixol su saouulsgns utulaao /(j ssejo smuj inluautuoatnug •os op of asp auo/Cue moire 1ou Iltnn j pun `sMnrl Inluamuoatnug salnioin 1ng1 /Claadoad ag1 2utloaJ3u utg1/Cuu op loU illm I •smu l Ieluauruoarnug„ paiino aau uotloaload Ieluauzuoatnua ao /(lanes `glieaq 01 alum.' legs palnooi Si /Claadoad aril aaagm uo!lotpstanf agl jo moor aril puu smut inaapaJ a41 A.L21IId021d 311113II,L02Id (INV NIV,LNIVI^I 01 SNOIIV011g0 SaI LMO2RIOg 30 NOIIVf1AIIINOD 'OZ °mui 041 Cq paambaa uotluu.uojui _moo /Cue utuluoo IITnn osie aotlou a41 •sluaut,Cnd /Cut avur pings I goigm o1 ssaappn agl ow Hal osie pun `aao!naas uuo-I Mau aril Jo ssaappn pun auzuu aq1 alms Him aoclou ags, Hoer aiquotlddn aapun pun anogn b 1 gdea2uand aapun paambaa aauuew aril u► uani5 aq Isncu ao►1ou ua11JM a41 •aaotnaas ueoZ ag1 Jo auugo ,Cun jo aotlou ual3IJM cm/0 aq 11ng1 saambaa mui a41 •aloN alp jo ales a o1 paleiaaun aaornaas uuo-I agl Jo saSungo aaoul ao auo aq /Cnut osie aaagl `-aloN alp Jo ores atop linsaa a se aaotnaas ueo'I agl jo a2uugo a aq /(nut aaa41 ueo-I„ alp pain sr Iuautnalsul /Clunoas sign pun a3ON ag1 aapun anp slum/Cud /Cigluout /Cup sloalioo ingl Ilgua agy sores asagl jo aotlou aorad Xun antaoaa 1ou /cure I •sautil wow 10 auo pros aq ,Coot `luarunalsul /(lianas stgl gltnn aag1a2ol `aloN ag1 u[ lsaaaIU[ ue ao `anon, aril 2IIIDIA1IIS MVO'I 30 IIONVHD JO axLLOm 01 IHORI SaIIIMO2RIOg !IIZON IIHI Nl ,LSII1 Lim NV 110 II1ON IIHI T IIS OZ ZHORI smarm"' a,LON '6I •anoge L i gdeBuaud aapun Iin3 u! Iuaur/Ced aleiparumi paambaa seg aapuai jr panutluoostp Iuatunalsul /(Iunoas siti13o luautaoaoJua mapua-I mull 01 11129 011 aneg 1ou iilm I `aanamoH •paambaa uaaq aanau pug iinj ui Iuatu/Ced alnipatutul J! su papa IInJ ut ututuaa Brno IuatunIIsul /(Iranoas sign puu awiq ago. mg `g 1 gdnafnand sig1 ut suoilipuoo aril jo IIn IIIIInJ I JI •pa &uegoun anuiluoo luarunaIsui /ilianoas s[gl aapun puu °ION at{1 aapun suot1atigo ,Cut puu `luatunJIsui /Clranoas s1gl aapun slg0t1 s,aapun `/Cpadoad agl ur slg2r1 s,aapua-I Im aanssu 01 saambaa /(ignuosuaa aapua' aanalegm op i (u) puu -saaj ,s,(auaolln aignuoseaa `aldtuexa aoj `5u►pnioui Iuaumalsul /Ciunoas sign 2utoaoJua ur sasuadxa aignuosnaa sdapuoJo IIe iced I (j) pun `luamnalsui /(lianas stg1 ur °peat sluauraaa2u ao sasrutoad aati10 /Cul jo /Cuu daal o1 aanilEJ /Cut loaaa0o I (H) puu `.paambaa uaaq aanau pug IInJ ui luaut/Cnd alnrpatuwi di sn a3ON aril pun Iuaurnalsui /(Itanoas sign aapun anp aq pinom uagl JET Iunotun iin3 ag1 aapua7 0l /Cud i (d) OS3 F9FL9f9 0367363 F 5` quantities on the Property. In addition, unless the law requires removal or other action, the buildings, the improvements and the fixtures on the Property are permitted to contain asbestos and asbestos containing materials if the asbestos and asbestos containing materials are undisturbed and "non- friable" (that is, not easily crumbled by hand pressure). If I know of any investigation, claim, demand, lawsuit or other action by the government or by a private party involving the Property and any Hazardous Substance or Environmental Laws, I will promptly notify the Lender in writing. If the government notifies me (or I otherwise learn) that it is necessary to remove a Hazardous Substance affecting the Property or to take other remedial actions, I will promptly take all necessary remedial acitons as required by Environmental Laws. 21. LENDER'S RIGHTS IF BORROWER FAILS TO KEEP PROMISES AND AGREEMENTS Except as provided in Paragraph 17 above, if all of the conditions stated in subparagraphs (A), (B) and (C) of this Paragraph 21 are met, Lender may require that I pay immediately the entire amount then remaining unpaid under the Note an under this Security Instrument. Lender may do this without making any further demand for payment. This requirement is called "immediate payment in full." If Lender requires immediate payment in full, Lender, at its election, may foreclose this Security Instrument, either by (A) advertisement and sale of the Property as provided in the Wyoming Statutes, as amended from time to time (the power of sale authorized by the Wyoming Statutes is hereby expressly granted to Lender by me) or (B) bringing a lawsuit to foreclose and take away all my remaining rights in the Property and having the Property sold. Under either of these methods, Lender or another person may acquire the Property. The right of Lender to take away all of my remaining rights in the Property and to have the Property sold, whether by advertisement and sale or by bringing a lawsuit, is known as "foreclosure and sale In any proceeding for foreclosure and sale of the Property, Lender will have the right to collect all costs and disbursements and additional allowances allowed by law and will have the right to add all reasonable attorneys' fees to the amount I owe Lender, which fees shall become part of the Sums Secured. If Lender elects to foreclose and sell the Property by exercising the power of sale that I have granted to Lender in this Paragraph 21, Lender will give written notice of its intent to foreclose this Security Instrument to me and, if I am not possessing or occupying the Property, to the person who is in possession of the Property, in the manner allowed by law. The notice of intent to foreclose will be given to me, by certified mail, return receipt requested, in the manner provided by Paragraph 14. After giving me notice of its intent to foreclose, Lender will publish notice of the sale of the Property for four (4) consecutive weeks, at least once in each week, in a newspaper printed or of general circulation in the county where the Property is located. After publishing the notice of sale, the Property will be sold by the sheriff or deputy sheriff of the county where the Property is located at the time and place and in the manner required by applicable law and published in the notice of sale. Lender may require immediate payment in full under this Paragraph 21 only if all of the following conditions are met:. (A) I fail to keep any promise or agreement made in this Security Instrument, including the promises to pay when due the Sums Secured. (B) Lender sends to me, in the manner described in Paragraph 14 above, a notice that states: 12 INMC #912WY 8/15/95 Fixed Mortgage aSaAuoyni paw.J 56/51/8 AMZl6 #3WN1 S9 aaptg uollonalsuo3 x .tap!x IuatuXud /CPIaaMTH [,Cjtoads] (s)aagl0 tam Iuamanoadml algN lam tuat.udolana j gun pauuuId .tapmml mnlulmopuoj 3'>t [(sa)xoq a1quogddg )Ioag3] Iuamnalsul /OrtonS TIT Jo pgd sg paigaodaoout aat aapp gaga jo sivamaai2g pug sasltuoad agl `Iuawnalsul kginoas sigl glPM aagiaSoi papaooaa pug aamoaaog Xq paints aau saapu atom JO auo 3I INaI4If1HISNII AIRIIIDaS SIH L OZ S2IIIQI2I 'bZ °ututo,CM Jo awls aglJo snout uotidmaxa pualsamog agl jo anp!A pun aapun slgSu llu antum puu asuala1 Xgaaaq I 'ow of alggotlddu lualxa agi o,L aVHISIIIIIOH 3O IISVII'IIIII '£Z •mut atquollddu Xq palgu.uad s1 aaj alp jo Swatugo agl puu paaapuat saotnaas .toj /Claud palgi u of mud s1 aaj aqi 31 Xluo Inq `aaj u dons Cud I mil gimbal /cum .tapual •saatnbaa os aapuaj j1 `Iuamnalsul XunoaS stgl jo i goslp agl aoj aaj u /Cud of aaagg I •spaooaa mow ladoid agi ut aS.regosip ulp.tooaa jo sisoo IIu /Cud IIIAA I 'pagslius uaaq suq Iuawn.tlsul XllanoaS snit Imp 2upuls algolgpao u Suuanrlap iCq luamnaisul XllanoaS stgl a2augoslp IIIAk aapua7 `luamnalsui 'CllanoaS slgi aapun pug alol`I agl aapun anp siunomu IIg mud uaaq suq aapual uaq imam 2IISM A,LRIIIIIIIS SIH.L IIO2IVHDSIQ OZ N0I1 SaIIIQ1\III'I 'ZZ aollou Iggi ut pawls aigp aql Xq aapual wag aollou agi ut paluls linujap agl loa.uoo 1ou op I (j) •anuq Xum I lugl sasuajap .talo Xuu luasaad of puu `Iuawnaisul AlunoaS slgl aapun pug aloN aqi aapun sluamaaagu puu saslmoad dam' ptp I lugl anaag of alas puu aansoloaaoj to) gnsmul ,Cuu ut IqO1.t agl aim! I lugi (!A) puu `.pa.itnbai uaaq .tanau pug mu ut IuautXud aiglpamm131 su anItoajJa XIIn3 utgmaa luamnaisul ,CllanoaS stgl puu al°N agl angq of puu panuiuoostp luamnaisul kllanoaS slit Jo luamaoaojua mapua7 anuq of I115!1 aql anvil !gm I `anoqu 8! gdgJRuaud u1 pawls suo!gpuoo aql paw I31 lug' (A) talus puu a.tnsoloa.toj jo sugaw ,Cq /Claadoad aql aatnbou iCum uosaad aagloug JO .tapuaj pug `Itn3 ut uamaud alulpamml agnbaa kew aapual `aollou agi ut pawls algp agl (q itnujap agl Toaaaoo lou op I31 luta (nl) :uant2 Si aollou alp go!gm uo alup mg moat &Cup 0£ lsual aq Isom aiup lugZ •linujap alit loaaao° isnm I golgnn ,Cq alup d (H1) tgtvejap yap loauoo of algl isnm I lggl uoliou ata (11) `'daal oI pafuJ 1 lugs luamaaa2u .to astmoad aqj (t) 101)t21 °WMH puooaS 10P1g ,CI! d 1 aaP!a dA aaplg uoollgg aaplg luamkud palunpua J (s)aapv>j 31gH algglsnfpd X BY SIGNING BELOW, I accept and agree to the promises and agreements contained in pages 1 through 13 of this Security Instrument and in any rider(s) signed by me and recorded with it. STATE OFD1 COUNTY OF The foregoing instr me t was acknowled day of �i� J4' WITNE My Commission Expires: g 11 1 11 1 SSW Va'S"T 00O SZAirkt fkOY UT 040a1 C 3iva. EX?. d3 -2.6-2t at s s: 14 0367363 ed before me by 'Kin 6831%,.10T1 cthL this INMC #912WY 8/15/95 Fixed Mortgage 65 V6 8 116 DInINI III11O3 3x (amispinvi) 1631 aq IIIm aloN aqI ,iq paouapina mot aqj, •olatatll sluawpuawe IIe pue „Iuawaat2v ueo' uopon.Ilsuo3„ atp) Iuawnalsui Afltanoos am se app awes am paw!) `Iuawaady ueo' uoponisuop uwlrao Ieul Japun suonatlgo s,lamoaaog jo IIe anp uagm uuopad pue iced iijldwoad Hugs .Iamor.Iog •,LNHL\I DIOV NIVO'I NOIIDRIIISNOD 'I :smojjoJ Se aa.I2e pue lueuanoo JaminJ .tapual pue Jamouog Iuawn.Ilsui iilunoaS am ut apew slueuanoo am oI uopippe u 6SVIZL d,LO ue01 r9r:49€ 0 (ssaappv Xltadoid) I 'SZNVNaAOO'IiNOILIQQV LZT£8 AM 'NNAKH1L (MOH NrPIIAEZN2lns SMO2I2IYN £T :Ie paleool pue IuauIru sui AltmoaS auI ut paguosap Altadoad am 2upanoo pue alep awes Pip jo „.Iapua-I„ am) Nueq s6uTAes peiegaet;o A rte./ape; s I '?INva OlIw aNI oI „aloN„ am) aloN aIe2I paxid JO PION MN ajgelsnfpd s,JOMOJ.IOg ins of „iaMOftOH pau2Isiapun aqI Aq uanp alep awes a p jo „Iuawntnsui 4unoaS„ am) paa j i unoaS JO Ism! jo paac `a2e2Iiow atll Iuawajddns pue puawe oI pawaap oq Iletls pue olui paleJodaoaut si pue 000 Z A'Inr ao Ava ZS T Z SRjl apew s! zapig NOLLDf1 LLSNOO SIH.L uani NOlsanxISNOD DDS -K91 (Multistate) -2- 0 &673 661 advanced to Borrower pursuant to the Construction Loan Agreement. The period of time commencing on the date hereof and ending on the last day of the month in which the "Completion Date" under the Construction Loan Agreement occurs is referred to herein as the "Construction Period." If there is no "Adjustable Rate Rider" attached hereto the first day of the first month after the Completion Date occurs is referred to herein as the "Permanent Loan Commencement Date." If there is an Adjustable Rate Rider attached hereto, the "Permanent Loan Commencement Date" shall be the date referred to in such Adjustable Rate Rider. The period of time commencing on the Permanent Loan Commencement Date and ending on the Maturity Date described below is referred to herein as the "Permanent Loan Period." The expiration of the Construction Period may be evidenced by the Lender's execution and recordation in the Official Records of the County where the Property is located of a supplement to the Security Instrument which includes a certification stating the Completion Date, the Permanent Loan Commencement Date, the Maturity Date and the principal balance of the loan evidenced by the Note on the Permanent Loan Commencement Date. Any subsequent holder of the Security Instrument shall be entitled to rely on such certification. 2. MATURITY DATE. The indebtedness evidenced by the Note, if not earlier paid, shall become due and payable on 3 0 years after the Permanent Loan Commencement Date. That date is called the "Maturity Date." 3. INTEREST RATE DURING CONSTRUCTION PERIOD. During the Construction Period, the Note provides for an interest rate of 7.625 This rate may change during the Permanent Loan Period as provided in the Note or in any other Rider attached to the Security Instrument. M FORM INMC 911 8 -30 -94 b6 116 ONINI NRIOd ;799 uual aLi.L °OMILI all .LXI3 !S. NalAJa OV 'S `J! 1eg1 saaiBu nmallog °MON NVO'I IOQRIf 'b (alelsia[ny I6X Avadoad„ uua1 alp utg1im papniout sairuxtj aur000q aaljeaaag /Cum 10 aq mou /Ceui gotgm spool icue JO sazruxg ile pue Niue of 2oadsaI gpIm Eui anuxtJ a sanuusuoo 2uawrulsui'i1!1noas aqZ •/fuadoid ieuosaad a p ui Isamu! Siunoas s,aapuaj 1oajiad of aapto u! 3sanba.I Aleut .iapua se s1uauia2efs &uIoueug Lions aaniiap pue ainoaxa hugs 1amoa.IOg 1uaLUrulsui 41noas age ui juautaaige JO Iueuanoo Cu e jo tioiaiq icue Jo Juana aLp ut apop ieio1aunuoD uuojiun agi iapun ic 1 d painoas a 3o saipautar pug slg2ua lie pue `paleooi st Xuadoid pax age aIatim ales alp 3o apop irtoaauiuroD Lu.IOjtun age puu 2uauin.ITsuI ,f1u.inoas ag2 of luenslnd `joaJaq spaaooid lie pue Aiado.id Ieuosnd atp 01 pue ut 1saia2ut Slunoas a Japua oa s2um2 icgaiag a3mo1.IOg pue `2uautaaAy uuo7 uot1onnsuoJ 01[101 iuensmd .iamoaiog 01 aapua-i apeui ueoi alp Jo spaaooid atp uio.ij 1ar;d II! 10 aiogm u! `pted sum goigm Jo isoo alp `utatag pagiiosap Xuadoid ieaz ag1 o1 paxt33t? JO pagoene JO uo paleooi _Taman El JO MOU „X1.i0do.Ld ieuosaad„ `Xianpoaiioo) sa.znlxIJ put spool `tiiaungoeut luautdinba `saouetidde `simialeiu &unpitnq lie apnioui osie hugs luaum.nsui Animas step ut pasn se „Apadoid„ uisui Alimoas ag1 ui o1 paiiajai salon 1atpo Ite se Ham se a1oN ueo' agpt1g ag1 apnioui Hugs luaunuisui iilUnoas ag1 Xq paznoas lgap ao ssaupa1gapui a1i1 10 „a20N„ alp 01 1uaullulsui Jil!Jnoas ag1 ut S OUOJOJa1 lie 1eg1 pue 'maw 1 2uuei0i sluauinoop iag10 lie pue „a1oN monk apug„ alp) [„aigeoiidde 1ou„ 10 lunoute pue alp aims] K/N Jo lunouie iediouud ieu!2!io 0111 ur Si pue V/N pawl) s! awe gopim `ueoi aapuq gons 2uIouapina aim atp Japun Jamonog Jo suouOtigo lie `uiaratp tp.ioj 1as suoilatigo lie o1 uouippe u! `sa.Inoas luaturuisui JC111noas au1 imp `Japua-i uioig ueoi „02p!Jq„ ieuollIppe ue paumgo seg Jamo11og luautaa1 V ueo' uotlonalsuo3 0111 ut pagu.Iosap se OS67363 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Construction Rider. M EG ES TON DATE RAEDENE EGGLES DATE -4- D DS -K91 (Multistate) FORM INMC 911 8 -30 -94 96/91/SO 086# JINNI IAl2I0d -i- „•pouad uotlonaisuoD„ am sr uiaaag o1 paaaajaa Si s.m000 ivautaaaV u1o'I uoilan-tlsuoD ag1 .zapun „alua uotlaidutoa„ agi gotgm ui giuout au1 Jo Sup isni ag1 uo uipua pun pang amp am uo 2utouauiuioo auiil Jo pouad aqi („luatuaaa v uno-I uotlonalsuoD„ aril) aut pur aapua' aqi uaannlaq luautaaaN awl uoponalsuoD i of 1uinsand aut of paounnpn aq iuum Imo' au smoiioj si aaAr pun lunuanoo aagianl aapual pur aamoaaog `luautnalsui Allmon am ut ap3ut sluatuaaat pun siunuanoo am 01 uoclippe uI SINVNdAOJ 'IVNOLLI IUV 'AVd 1SMAI IIIMO211IOg aH,L MINH Y%If1I\IIXVIAI UHL (INV HMI aNO ANA' IV RONVHD NVD IJNU ISHITHIM Si2IIMO2RIOg CHI .LNf1OL\IV aiu S LIIMII'I aLON aH,L LNIINAVd A'IHZNOLSI aH,L (INN �Z�'2i .LSd?IaiNI HILL NI SdONVHD 110 ,4 ONIMOTIV SNOISIAO?Id SNIVINOD HZON dH1 x''99 6SVTZL d.1.0 :aaqumN ugo' [ssaappd iiiaadoad] L Z T 8 AM aNAVEL av02i a'IZIAEHNUILL SMO2I2tYN £££T (sdn3 aing xapul Sinsnai j anaA i) x�Qlx aiv i azsyssnruv 08N SUQ (omsl]InYsI) ?2I IAI2Itr 11 1S .L /I a2EJ 2uUEO13 VOID NIVO'I NOIZ2f12I.LSNIOD 'I :1n pait;ooi pug agi 3o (fiaapua"I1, aqi) luatunalsui Aluunoas aqi ut pagtaosap Aiaadoad aq1 2utaanoo pur amp awes xuEq s5uTAes pa.zaq.zetto AZIE .Xapa; "EUS'3 'XNVS DVWAQNI 01 „a1oN„ am) aloN aing aigi nsnfpy s,aam0aaog aanoas 01 aamoaaog paugisaapun am uant2 amp auras agi Jo „luautnaisui 4.moas„ agi) paaU Aluunoas .10 istui Jo paa( `a5alaow agi luautaiddns pug puaum of pump aq Hulls put 01ui painaodaooui si pur 0 0 o Z' S tnr Jo kelp 1 ST Z si11 ap1ut si ITHGRI g.Ld2I II'IIH,LSf1fUV SIHZ 086'7363 The first day of the first month after the Completion Date is referred to herein as the "Permanent Loan Commencement Date." The "Pricing Date" is the fifth (5th) day (or if such day is not a business day, the next business day thereafter) after the date of the final disbursement of the loan pursuant to Paragraph 5.10 of the Construction Loan Agreement. The period of time commencing on the Permanent Loan Commencement Date and ending on the Maturity Date referred to in the Security Instrument is referred to herein as the "Permanent Loan Period." The Construction Rider attached to the Security Instrument sets forth the interest rate applicable during the Construction Period. The expiration of the Construction Period may be evidenced by the Lender's execution and recordation in the Official Records of the County where the Property is located of a supplement to the Security Instrument which includes a certification stating the Pricing Date, the Completion Date, the Permanent Loan Commencement Date, the Maturity Date, the principal balance of my loan on the Permanent Loan Commencement Date and the interest rate on my loan as of the Permanent Loan Commencement Date (the "Initial Interest Rate (as determined pursuant to Section II below and which is subject to adjustment pursuant to Section III below). Any subsequent holder of the Security Instrument or the Note shall be entitled to rely thereon. II. CALCULATION OF INITIAL INTEREST RATE My Initial Interest Rate for the Permanent Loan Period will be determined by the Note Holder based on IndyMac Mortgage Holdings, Inc.'s required net yield as of the Pricing Date, for 1 Year Treasury adjustable rate mortgages covered by applicable 30 -day mandatory delivery commitments, plus one quarter of one percentage point (0.250 and any applicable adjustments, rounded up to the nearest one eighth of one percentage point (0.125 If this required net yield cannot be determined because the applicable commitments are not available, the Note Holder will determine my Initial Interest Rate by using comparable information. III. INTEREST RATE AND MONTHLY PAYMENT CHANGES 66� (A) Change Dates The interest rate I will pay may change on the Permanent Loan Commencement Date, and on that day every 12th month thereafter. The Permanent Loan Commencement Date and each other date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index." CLCA Floating Rate 1/T -Bill ARM Rider (Multistate) DDS -K80 -2- FORM INMC #980 05/16/96 96/9I/SO 086# DINNII IN1IO3 08x saa (a1E1s!1InY1l) J PRI MIN (i!H /1 atg 1 Su!1e V31 •aopou aql 2uip11 o1 aim! Sulu I uotlsanb Auu aamsuu iitm oqm uosi d u jo Jaqutnu auogdaial pug in aql osiu pug atu uant2 aq o1 muj Act paztnbat uopuuuojut apniout_ 'pm aotlou aqj •a2uugo Aug jo alup anpoaJ3a am atom luau /Cud Slgluout /Cut jo lunoutu ag1 pug a1iu Isamu! /Cut ut sa2uugo ifuu Jo aoilou auz 01 'FLU .to 1antiap Iltm aapioH aloN O LL sauggo 3o aatloiSi (J) grew sauugo luautAud iCpgluout ,Cut Jo lunoun aril 'pun a1uQ a2uugo aril aa13u alup luatuSud ;Citiluouz log aril uo 2utuut2aq luau /Cud iiigluouz mau Au! Jo lunoutu a p Aud ipm I •aluj auug3 goua uo antloajja autooaq 'pm alga 1satalu! mau AI sauggD jo all j an (a) •ssai Si Janagotgm %81) luao.tad uaalg2ta a0 alga 1S I UI !EMU' aq1 aA0qu 9) slutod 02u1uaozad xts uugl .taluai2 aq .zanau Iitm aluJ- 1satalui =wpm! AIA,T •sgluout zi 2utpaoaid aiI JoJ ui1CL'd uaaq anuq I lsaaalu! 3o slut aql wag %0•z) slutod a2uluaotad om1 uugl WOW icq aluQ amp ai2uts Aug uo pasuamap 10 pasuaaout aq aanau 'pm a1ut 2s01011.1t �Ctu a1eU auugo lS1IJ aql nip/ •aotogo stgl JO OOt1011 OW OAP iitm iapioH a10N aqU •xaptu mat u asoogo iitm J PI0H 010N 01 11 `aiqupenu aa5uoi ou si xapuI 2 g13I sagui qo alga Isaaalul uo min (u) •luatuSud iCigluout Stu Jo lunoutu matt aq1 aq 'pm uopeinoiuo sup Jo linsaa aq j sluawAud Iunba Allupuulsgns ut aluz 1SOMU! mau ictu lu awl iiltanluw aql uo iittj ut `a1uQ amp ls.tIJ ag1 2utpnlout `a 1uQ auugo agl lu amo o1 palaadxa tug I lugs ludtauttd ptudun atp Cudaz of luatotjjns aq mom 1ug1 luau/Cud Algluout aril Jo lunotuu am autuualap uagl Iltm •TaPioH aloN a' L 'ma auugJ lxau ag1 Itlun alai Isaxalu! mat /Cut aq iitm lunotuu papun0Z sup `moiaq (Q) uotloas ut paluis sltattl agl of loafgns SZI lutod a&luaatad auo 3o glg2ta -auo Isamu am 01 uotltppu sup Jo llnsaa aq1 punt uagl Iitm aapioH a1oN ata •xapui luaunp ag1 o f 9L8 Z slutod auluaotad SHSHDIS ME112S ct&v OM.L &utppu iiq alut lsatalu! mat 1Ctu aluinoiuo IItm 1 apioH aloN a ii `a1uu auugJ luanbasgns goua azojag •moiaq (u) uopoas ut palms quill alp 01 loafgns log st pug anoqu II uotloas of luunsind .tapua-1 ag1 Sq pautuualap aq hugs a1uu a2uugo lug aq1 uo /iud iitm I mull Isatalul IuPtul aqj 999 C9f.:1,9S0 sauutD 3o uoileinalup (3) IV. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST HI BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by applicable law, Lender may charge a reasonable fee as a condition to Lender's consent to the loan assumption. Lender may also require the transferee to sign an assumption agreement that is acceptable to Lender and that obligates the transferee to keep all the promises and agreements made in the Note and in this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in full, 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 delivered or mailed 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. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. KIM EGG ON RAEDENE EGGLE N CLCA Floating Rate 1/T -Bill ARM Rider (Multistate) DDS -K80 -4- \..00 DATE DATE 66`; FORM INMC #980 05/16/96 6917-i ZO /10'd 8PZ -1 6517IZL IIag14111N NVOI 1.6ZL SWHOO 30VOIUOW dWA (9OL6) MAD Z to L *Bed Aamea et >i301tl MOH ONOOaS i LVistrmea qua rapua'i apptord of pope; ro) rapua of summarily JO uopsano;ut alernmmsut JO rite; Megan= aeer 'smog! +ro1eatidde ueol am rump '10h10110$ ;t unmap ut eq vale pegs Jammu% imam Animas s,rapuri ro tuaaulusui Altrnma$ stgl Aq mean um am ;o tuauutedmt teualeut raglo ro Auadord atp ut imam s,ramouog atp ;o otnimpo; sapnpatd 'uousutuuaiap qne; poor s,rapua-1 ut leap ruttnr a tgtm pasatutstp aq oI 8mpaaamd io uotime am Sutsttea Aq 'RI gderrered ut paptnord se 'atetsutar putt norm a gars aura ■efu ramOrrog 'swam! Animas s,lapuo i ro mau ntisui Altman aim Aq pots= uall atp rtttdtut Appoint astmaagto ro Auadord am Jo amna ;xo; to unsai p[noa tuam8pn( qua; poor s,rapuoi tit X341 unraq at `intense, ro l tntm amine /a 'Smpaaaoid ro uopme attune:; Atte ;t ttne;ap ul aq netts ramouog •Auadoed age uo atoms Ramon 10 'ateroualap m Auadord 11141 mode 'Alradord alp 'malt io Amnia 'Aortaap too pegs ramouog •amoq puoaas s,iamouog se Au11dord 11341 'asn A[uo Ilegs pus Adnmao pegs mamma 'splogastia'I tuotim[1ddy urn s 1Luedord eql jo uoilmeloed pus eausua;uteyy 'uoNsn.rasatd tasil Poe AaaedtwDO .g :rmmollo3 em Aq I melda' at putt patatap st tuatmUtaui A3una1S ammo 9 lueaano3 tuto;taf 3eg1 aarre pus IUSUOAmm ragtm; Japan putt ramouog 'Iuatuttrlsui Animas am tit apes stuatuoath pue stueuaeom 11341 m uotuppe uI [flurry gradual LZT£9 AM '3NAVH1 OVON 311IAN3NNf1 SMONNVN £££I :1e NNirol at toms `(.Altadold» am) muumuu Anrtaas 11141 ut pagtimsap Auado3d 113[1 212tr1AO3 Putt OW OURS 11141 40 eapua L, age) 3ueq s6uoes ''9'S'3 'NNV9 OVNAONI 02 MMONN s,rasouog aromas o1 (pau$tsrapun suosiad maul ro 0110 are atom 1agtagm 's11m0uog am) paurtsrapun aqt Aq uatgl amp auras ag1 ;o (.lnaunrlslq Mutton. 0341) paaQ AltmanS JO 'mil J p"Q 'areruoytt am tuamalddns pus pima at paaroap aq hags pus olut parerodloam si putt OOOZ 40 Amp 3,sTZ spy u0 OP= ST Valli aP[OH QNO3aS Mil xaaRt 3Iox auo31s P0,1044'40 Alie,aapa4 e 8LZ8S899Z9+ OYIYA0N1 -molA 91 :01 00 -1Z -20 VMS.g00 07 -21 -00 10:26 From-INDYMAC OD -9HA ostirica +6266858278 7-248 P.02/02 F -469 any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy and use of the Property as a second home. 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 Leader agrees to the merger in writing. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. (Seal) R K EGGLES Borrower RAEt)EIIE EGGLESTON Borrower (Seal) (Seat) Borrower Borrower (Seal) (Seal) Borrower Borrower 4209U (9705) Pape 2 of 2 (Seal) (Seal) Borrower Borrower 6191 66E. EXHIBIT A Legal Description for Kim Eggleston and Raedene Eggleston O ti73& 67C Part of the SE',4SW /a of Section 7, T33N R118W of the 6th P.M., Lincoln County, Wyoming being more particularly described as follows: Beginning S 0 °08'39" W, 26.00 feet and S 88 °39'05" E, 448.50 feet to the POINT OF BEGINNING; and running thence S 88 °39'05" E, 706.74 feet; thence S 18 °37'54" W, 512.26 feet; thence S 82 °58'26" W, 125.42 feet, bordering the "Willow Creek" road (Narrows Turnerville County Road); thence N 68 °33'12" W, 57.53 feet, bordering said road; thence N 64 °12'55" W, 308.54 feet, bordering said road; thence N 82 °48'43" W, 156.19 feet, bordering said road; thence N 11°12'49" E, 349.26 feet to the POINT OF BEGINNING.