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HomeMy WebLinkAbout866790WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007687445 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 June 28, 2 0 0 0 together with all Riders to this document. (B) "Borrower" is N. CHRISTINE SKILTON, an unmarried woman Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. Lender is a Corporation organized and existing under the laws of The United States of America Lender's address is 485 Washington Afton, WY 83110 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated June 28, 2 0 0 0 The Note states that Borrower owes Lender Sixty -Three Thousand and No /100 Dollars (U.S. 63 ,D00.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than July 1 2030 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. 11 11 i u 6 D Y Space Above This Line For Recording Data u i i BOOK PR PAGE`_ MORTGAGE i WYOMING-Single Family -Fannie Mas/FraddIe Mac UNIFORM INSTRUMENT LT. 3/00 866790 RECEIVED _1NCOL CO iN Y CLEF 00 JUN 30 hi 2: 01 JEANNE WA6NER KEMMERER, WYOMING clnnlala) nnitlals} C -5 Form 3051 3/99 (page 1 of 15 pages) MWYO1CV (G) "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]: El 086679 Adjustable Rate Rider 0 Balloon Rider [l 1 -4 Family Rider (H) "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. (I) "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. (J) "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. (K) "Escrow Items" mean those items that are described in Section 3. (L) "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. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. 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. (P) "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 Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does Loan Number: 0007687445 El Condominium Rider Planned Unit Development Rider Biweekly Payment Rider W YOMINOSingie Famiy— Fannla Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) Intllals) cs 084 Second Home Rider Other(s) [specify] For, 3051 3/99 (page 2 of 15 pages) MWYO2CV AOBOAMN (sebed gi Jo S eyed) sem isoc u+ioA 5'"D (wpm •zajsutzj spund oluozaoaja (p) zo Amua zo `A ;tirluatunnsat `Aouaar maim r Aq pamsw azt s;tsodap asogm uopn;psat ur uodn umrzp sl vago ions Aur papinozd 'Anal° s zo 3[o2go sjaznseaj 'lamp Iueq 'vow pautuao (o) 'zapzo Aauotu (q) `gsro (r) :zapual Aq wraps se `sauoj Sutmoiioj atp jo azout z° QUO UT aprw aq auaunuasui A;un3as stq pur a;oN aga zapun anp sauatuArd ;uanbasgns pr JO Aur imp azmbaz Arm zapuri `predun zapuaj o; pattm;az st mamma! Aaunoas snp JO 210N alp zapun ;uatuArd se zapuaj Aq pantaoaz ;uawnzlsat zatp° z° 310a110 Aur 3T 'zanamoH •Aouazzno s•n ui apttu aq prgs auatunnsal Aaunoas sm par aloN alp zapun anp mama,' uopoas of luensznd saran mama ioj spunj /Cud osie putts zatozzog •aa OH alp zapun anp saatego atej par salmi° AuatuAudazd Aur put aaoN alp Aq paouaptna ;qap alp `Ito Isaza ;u! put `3o Irdiouud atg anp uagm /Cud Reis zamozzog •sa8atgO a ;Ei pue 'sa8asgO ;uawAedam 'swan etonsa saaa ;uI 'lediauiad jo minim •i :smoiloj se aaiSr put 2utaan03 zapun put zamouog SIMVINIaAOO YCl2iOdII�I[1 Atiadozd pat Suuanoo ;uatun nsuy Alunoas tuzogun E aimpsaoo o; uopotpsunf Aq suoprutn pa;ttail grim slutaano° uuo ;Ian -uou pur asn iraopeu zo; s;uruanoo tuzoltan sauiqutoo J.1`IHYQfIILLSIII A,LRICIOas SIH,L °pzooaz ;o saouezgtttnoua Cu ,e of aoafgns `spuewap pue sanrio IIr ;surRE Auadozd atp al; alp AllrzauaS puaJap Il!m pue s;trezzem zamozzog •pzooaz 3o saouezqu noua zoj ;daoxa `pazaquinnuaun st, Auadozd alp mtp par Auadozd alp Aanuoo pug It r1S `aSrStiout o; ;gap atp srg FIE paAanuoo Agazag amsa alp 3o pas!as Ailtumn st zamozzog aeg3 S,LAIVAIHAOO 2IHMO1NO13 „•Auadozd„ atp sr mamma! A;unoas stgl ui o' pazzajaz si SutoSazo3 alp 3o Ild 1mmism A;unoaS snp Aq pazanoo aq °sir imp suoptppr par sauawaoridaz Ild •Auadozd atp jo tied r zagrazag JO mou sazn;xg pue `saoueuatindde 'sauatuasra pun AUadozd atp uo poi za eazaq JO MOU s ;uawanozdwt at 1 fl HIIM 2IHH,LaOO,L 8O „ssazppy Auadozd [pails] 1VIOIdIO 3H1 NI 0308003H ONV [uopoipsunf Sulpzooa213o adAy] A L Nif10O zamod tgim `suStsse pat szossaoons (s�eluul [d ?Z] LZls8 guRoAm 3AI80 30f18dS Z6Z oot '1'I iN3wntusNt *ow •PP•a&l•ew yuum -N!W d •iaul9OMwoAM 9 6 bL 89 L 0 0 0 :JegtunN uso-t VIKA 3NAVH1 jo ssazppr atp sug Apuauno gotgm 'ONINOAM 'A1Nf100 Nl00NI1 d0 S08003H 0311Vld SV 'l 1Vld HONVH A311VA MS '09 101 [uopotpsuni• Suipzooau 3o autrN] N100NI1 3° alp tit moo! Auadozd paquosap Sutmoiio3 aq; `airs jo s,zapua pug zapuai o; Aanuoo pue autzS `a2EBuotu Agazag 06e.99S30 0866790 Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any Loan Number: 0007687445 WYOMING-Single Family- -Fannie Mae/Freddie Mao UNIFORM INSTRUMENT I.T. 3/00 (Initials) Initials) GS- 086 Form 3051 3/09 (page 4 of 15 pages) MWYO4CV AOMOAMN (sebed gi 10 g et3ed) eeie woe uuod L80 (e1BMu1 ($IBINuI owe '1'1 1NHNflULSM nvodINfl DSN MPPU3/IiPI itoued-- 1WBA BIOuISONINOAM SPVL89L000 :JegwnN ueo7 isRal `at uatj aq3 jo lam: mamma )sun spuapap to `Aq glte) pooR ut uatj aip slsaluoo (q) :Iuamaaae tons &uttuzo;Jad st JOMOIJOg se &toj os A uo Inq `Japurj 01 ajgeldaooe Jauusm s ut trap agl Aq paznoas uopsRtjgo all 3o IuamAed aql o1 Supji tit saaas (s) :JaMOI10g ssajan auatunpsal Allmon spp JOAO ,cluoud seq gotgi =It Rue a2Jegostp ,Cpdmoid iijtts JamoJJOg E uopOaS ut papiAOJd Jauuem aql ut matp Asd netts JamoUOg `salad Mo1OSg O1S smali asap Imp mama app Oy •Aue 3t `sluamssassy pus `soo `sang uopetoossy Alummmoj pue Cue ;t quadoJd app uo sivai punod Jo smatuAsd pjogassaj luatutulsaj *moos stip JOAO *fluoud menu tiro ttotgp ICuado1d alp 02 ajgelnqulle suoptsodmt pus `sang `sanetp `sjuauxssasss `saxsl Iis Aed Jamortog •suar tsaa.tegj •Japuar Aq Nag spun SUE .taMOflog 01 panjal iCpdmoid usgs Japaa luauuu1suI Alunoas sttp Aq pamoas sums its jo Btu ut ;uamAed uodn •sivamiCed itjtpuom anjaml until atom ou 11t inq `ydSa J tjlt' aOaspIooOs ut AOaatogap aip dn 031em oI AJessaoau Juntas aip Japua-t Asd jjegs JaMO.uog pus 'yam Aq paztnbaJ ss JaMO.IIOg ijpou jjegs Japan `ydSail Japan paugap se `MOJOSa ut pjag spend 30 AouatOgap s st aiatp 3I •sivatuArd iCjtpuow anjaM) usgi aim ou ut Ing `ydsa2I I IM aousp1000R ut aRsuotjs aip dn alstu oI AIESSaOaa lunoms atp Japaa-j of Aed Ijegs 1 M OU0 pus `ydsau Aq pa1tnbaJ ss JOMOJJOg 4110U lints Japua1 `ydsau Japan pauuap se `MOJOSO ut mat! spand Jo aRsuogs a st 010111 3I 'yam' gltM aouspioOOS ut spun3 ssaOxa all J0j 1amo1JOg of I1m033e imp JaPual `ydsgu Japan paugap ss `MO13Sa ut pjatj spend ;o snidlns a st aim 3I VdSa?I iCq paimbaJ ss spend alp 30 Ruptm000s mutts us `af1eg3 1notptM `JamMJJOE 01 anti pegs Japuaq •spung atp uo pled aq Hugs Isazalut imp 'Jana/wog `811pjM 114 Jaffe UEO Japaa-j pus Jamo11Og •spend alp uo slu uJea Jo ma'am! 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Jamming sAed Japua-j ssajan `small mama alp RutAjuan .10 11111000E MO1OSa alp RutzAfjeur 1Clenuas 'spud alp Rut/Cidds pus Rutpioq 103 JOMOJJOg aSJego 1011 !imp JaPua'I •ydSail Japan pagtoads amp all tretj Jalei ou small MoJOSg atp /Cud 01 spun o p Aidds Huts Japua-I peg aso-j amo13 Imam' Aug ut Jo (pamsut os ale sitsodap asoTM uopnlpsut us st Japaa-I 3t `Japuarj &utpniout) ,Clpua JO `Rltjeluatuf1lstlt `Aouaas tempo a Aq pima! slisodap asotim uopnlpsat tre at matt aq Iisgs spand a t1 •Ms-j ajgsogddy t{1tM ao11ep1000e ut astmzatpo Jo small mama a1nlnj 3o saznitpuadxa 3o saIempsa ajgruossaz pus slep luann° 3O stssq all 110 anp spend 30 ltmoms a p alsatpsa iisqS Japual 'ydSazt Japan atmbaJ use Japuai s I11noms ttmmtxeat alp paaoxa oI lou (Z) Pus ydSa2I Japan pagpads amts aql Ie spend aqp Atdde of Japual IttuJad of luatP!J3ns (1) Iunoure UE ut spend pjoq ptIE I30II03 `amp ,Cis Ie `Asti Japuarl uopoaS stgp Japan paint= uagl a1E Isgl `slunows 'gong ut pus `spund u Japua-I 01 pied items Jo /Awns `uopsoonaJ gons uodn `pus gj uot1OaS gltm aoaepz000s 11t uant8 aopou E Aq amp Aus le small Mo1OSg its Jo AIR 01 se JanteM aql all0na' dCem Japan •lunowe gons ICus Japuarl of Asdai 01 6 uopOaS Japan pals$tig0 aq uatp ijegs Jam0ztog pus 111notae qons ,isd pus 6 uotloaS Japan s11j u sat aspiaxa As[.0 Japual `mall Mo1OSg us Joj anp 111nows alp dsd 01 spej Jamo110U pug` `JantEM a of lusnsznd `Apoagtp small mama ,ied of palsttjgo 51 JaM0110g 3I '6 a011O0S at pasn st „luamaaas pus lusaanoo„ assnjd all SE I11amnJlsui *moos stgl IIi paatelaoo 1uamaaas pus Iueaano) s aq 01 pamaap aq sasodJnd Its Joj iisgs sldtaoaJ apptoJd 01 pus sluatuArd qons 03Iem o1 uopatjg0 S,Jamo1JOg •aJmbat Arm Japan ss pouad amp gons upptm 1uauI 11d gons Sutouaptna sldtaOa1 Japuai of gsputu letls `saitnbai Japun dt `pus Japua•j Rq pan uaaq seq spend jo 1uamAed gotgM Joj small MoJOSg Pius Joj anp slunome atp `ajgeA1d aJa1M pus uagM `Apoaltp /Ced ijegs Iam0.110g `Jant1M gons 3o liana alp ul •Ruppm ut aq iCluo Arta Jan1EM lions 06t.99R0 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: (1) a one -time charge for flood zone determination, certification and tracking services or (2) 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 or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 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. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if Loan Number: 0007687445 WYOMING-Single FamAy- -Fenno Mae/Fnddb Mac UNIFORM INSTRUMENT I.T. 3/10 (Initials) (Initials) c -7 088 Fam 3051 3/93 (page 6 of 15 pages) MWYO6CV AOLOAMW (so5ed 91 jo z et3ed) eeie 690e w,oA D 01 oo'c T1 1N]WntLLSNI WHOdMn a'W 011 M/0411 00011 wej eleul913NIVOAM 5PPL89L000 ueol •asnro ajgruosraz Irons Rupc loads uopoadsuj zoua1u? ur Irons o3 Joud Jo ;o atmp atp pg aopou zamouog ang try Japan •,C3zadozd atp uo qua alp jo mum! atp vadsa? Arut zapun -I `asneo ajgquoseaz srq 3i n •Auadoid a p jo suoj3oadsut pug uodn sau3ua ajgeuoseaz a3jgta Arww 3Ua8g s3? Jo napua7 •uopgzo3saz Jo in dai Irons jo uopajdutoo atp Jo; uopr2ggo s,JaMOUOg ;o pana ?jai Sou s? JOMOJJOff 'A3iado1d atp ano3sal Jo n?gdal o3 3uapg;ns Sou air spaaoozd uopnuumpuoo JO aaagznsu? atp ;j •pa3ajdutoo s? 3jioM atp sr s3aaui igd ssaaozd jo sauas g u? no 3110111 d aJBUts n ul uopnio3s0i pug si?gdai alp IN spaaoozd asingstp Arai zapuaj •sasodnnd tons Jo; spaaoozd pasnajai srq Japaa7 i(juo £3iadoid atp 8uuo3saz zo &uup dai Jo; ajq?suodsai aq jjggs i oiiog `A3nadoid atp ;o &upig3 alp Jo '0p ahuup tpis uopoatmoo UT pled am spaaoozd uopruumpuoo z0 aournnsUT ;j •affrtuep Jo uopnzoua3ap zaqunj p!onr o3 paBrunrp ;i iC3nado1d alp n dai Apduzozd pry JaMouog 'ajgisea; djjeopuouooa Sou s? uopezo1san Jo Jredaz 3etp s uopoas 03 3urnsind pauptuapp s? 3? ssajun •uompuoo 51! 03 anp omit u? T razoap no 2upenoua3ap wog ituadoid atp 3uanaid o3 Japzo u! Apiado1d alp urepureai jjggs Jamoziog `AUadond alp u? st Jam0UOg p0U Jo Ja13palp •/C3Jadozd atp uo alSEM 3TMUI00 Jo a2rioua2ap o3 iC3iadoid atp mops `AuadoJd alp itrdtu? so aWguz p `,Coi3sap Sou pugs JaMOiiog •suojjaadstg '.,fjaadord aq; jo uojpajoad putt aauttuajum 'uoiaun.TasaJd •L •joz3UOO s,1aNOZiog puoiCaq azg to?tM lsra saoun1sutnonp 8uprnuapxa ssajun Jo 'ppgg11M /Cjgruosramn aq 3ou jp qs 3uasuoo tp?gm lupUM ut saaz8e as?Mia133o zapuai ssapn `Aourdn000 jo atop alp Jour mai( 0110 3sraj 3g no; =appal jgdtouud s,zaMOUOg sn Auado1d atp Adn000 03 anUpuoO pry pug 3Uaunutsuj A3unoas sp p ;o UopnOaxa alp Jour siCnp )(pits U?Ir3TM aouapisai p d ?ouud s,1oMouog sr Auadozd 0133 asn par `tjs ?jgnasa `i(dn000 jugs iaMouog •Sattudn3o0 •9 •anp uatp Sou i0 na pagM '1U0UI1U3suj £31noas slip J0 atom alp Japan pr dun s3unom Ard 03 Jo MIodoJd alp 0103s0J J0 JTrdai 01 Jatpma spaaoozd aounznsU1 atp asn Artu Japua'j •A3iadoid alp jo a8rzanoo alp o3 ajgro?iddr azg spj u tons sr .re ;osai `/iizadozd atp 2uuanoo sap ?jod aourmsa? jjg zapun (naMouog Aq pi d sumiamaid paturaun jo pun;az Cur op )g5u alp urtp zatpo) s1g8u s,iamouog ;o Jatpo ,Cur (Z) pur uatutu3SUj A3unoas sp p JO 0 N alp zapun p?ndun s3tmouzr 0131 paaoxa o3 300 moms ur ut spaaoozd aoarmsat Aun o3 s3t8u s,1amouog (I) Japan' 03 sa8?sse ,(gazat 10m0110g `asTMJal po Jo ZZ TM Japan Auadond atp sa1jnbor Japua-I Jo '3uana -atpta Uj •uan ?8 s? aopo1 atp uagm u?8aq jj ?M pouad Arp -p£ 0Iri •tu?rp alp aj33as pug a3rpoSau virtu JapMa-j trap 'tarp r al33as 03 pana ;3o srq zauzg3 aourmsu! atp 3rtp Japua7 moij aopou a o3 &Cep p£ uj133TM puodsaz Sou saop zaMOUOg ;j •szarira1 pa3em put tU ?r(O aourznsUT ajgrpenr ,Cur Nips pug a15(3o8au 'Ng ArUT 1apua•j `i(lIadond atp suopurgr JaMOUog 3I •Z uopoas ut io; pap?nozd Japzo atp u? pa?jddr aq pry spaaoond aourmsu? Irons •zaMOUOf 03 pird `,Cur ;j 'ssaoxa atp t3TM `anp uat3 Sou Jo natpagM '3uatunzlsul Munoas s?q3 pamoas stuns alp 03 pa?jddr aq juts spaaoozd aournnsat alp 'paUassaj aq pjnoM A3noas s,JapU01 Jo ajq ?sra; Ajp o?tuouooa Sou s? zredaz Jo uoprno3saJ alp ;j .10M01,10e ;o uoprWpgo Nos al3 aq pry pun spaaoozd aourinsuj alp ;0 3no pied aq 3ou pry JaMouog paup of `sapnnd pip Jatp0 Jo 'szapsnfpr o?ignd no; sand •spaaoozd lops uo S U?uzna Jo 3saza3U1 /fur zamouog i(rd 03 panmbai aq 1011 jjggs napuOZ `spaaoozd aougnnsu? tons uo p?gd aq 03 Isamu! samba' As aiggo ?jddd Jo 8ur3UM u? aprtu si 3Uatuaa1Bg ur ssajan •palajdtuoo sj 3(10M atp sr s3uatuArd ssaaoid jo sa1Jas n uT J0 3uam/Crd 0JRu1S n u? uopgzo3saz pun siredan alp io; spaaoozd asings ?p /Cm Japurj •iCpdtuozd uaie3upun aq jjggs uopoadsui ions 311131 pap(nond 'uopoe;spes s,zapUa-j o3 palajdmoo uaaq seg v0M alp amsaa 03 Ji3Jadozd tons palm! o3 ,C3jun3zoddo 1111 pgq set Japua-j mun spaaoozd a0Urznsa? Irons p(OIr 03 map alp anrt ins napua' 'pouad uopgzo3saz par ugdaz lops &uunU •pauassaj 3ou s( iC3ufOas s,Japua-j pun aIg?sna; AprolutouoOa s? JpdaJ Jo 110priO3S01 0131 680 061,9980 0866"790 Loan Number: 0 0 0 76 8 7445 WYOMING-Snots FamI y —FennI. MaeTFnddlo Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) (Initials) Cg 090 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (1) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (2) 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 (3) 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, (1) paying any sums secured by a lien which has priority over this Security Instrument, (2) appearing in court, and (3) 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. Form mu 3/99 (page 8 of 15 pages) MWYO$cv A060AMI9 (se6ed 9L /o 6 eyed) 66/e 190e We 160 IsIHuI sI flluI 00/5 .uormasta muffin nit I pwameV stuuU- -Alfwsd 9I uis-or loAM 9d la091.000:aegwnN us01 wisp s aliias of premr ue 031euu of sza33o (aouaivas ixau app ut paugap se) Mira ffugsoddp air) rip zamozzog of zapua-g aopou zaije II JO `zamozzog £q pauopuege si Amdahl app 3I -anp uaip are sums agi iou .to zagfatM fuaumzpsul ,(pumas sigi pamoas sums app of palidds aq yetis spaaoozd snoauegiaosiy4 app &upuM ui =As asiMZagio zapua pue zamozzog ssagun `anise iq ssog JO `uoponzisap `Supiei 'egged am azojaq ,Clapetpaimui pamoas sums am 3o punoiue ati usgi ssag sl amen ul ssog JO `uoponusap lupgsi jellied app azopaq ,CgOfelpamnai Auadozd ati jo amen ia3izeac zts3 ail) goyim ul ,ifzadozd app JO amen ul SSOI JO `uop3nzisap &upgsp gspred a JO piano air) ug •zamonog of p sd aq lists aousleq duy .angst ul ssog JO `uoifonzisap `aupisi isrizsd app azojaq Agaisgpamiul Auadozd app jo amen 223Ireum zisj Opp (q) Aq papinlp angst ul ssog zo `uoponzfsap 'Bum) !spied am azojaq Maislpauiuit pamoas sums app 3 funoiue ism app (s) :uoiiavj &ugmollo3 app Aq paigdliinui spaa3ozd snoausggaasm app jo iunoute app £q paonpaz aq yetis puatunzisug Mgmoas snp iq pamoas sums agi `SupuM ul aaz ?s asmumgfo zapuai pus zamozzog ssagun `angst ul ssog zo `uopoiuisap lerusd app =jag Agamslpauunil ivauinzisug Ai sgip iCq pamoas sums alp jo moms am ue zaieaza JO 01 gsnba sl angst lit ssog JO `uoponzfsap `ffuglei Isifred alp azojaq Rlaiegpaumn Attadozd alp 3o amen fa3izsai zls3 app goigM ul iCfzadozd ail) jo amen ui ssog 10 `uoponzisap &TIM Isrizsd a 3o pion app ug •zamouog of pled `,Cue 3l `ssaoxa app qqm `anp uaip tot' JO zagiagM `fuamnzfsug Riunoas slgi q pamoas sums ail) of palgdds aq 'legs spaaoozd Snoausllaosryg app `Aizadozd app JO angen lit SSOI JO 'uoponzfsap `&up[ef ieioi E JO puana all ag •Z uopoas uI zo3 papinozd rpm ail) ui pagdds aq jjsts spaaoozd SnoOUSIIaOs1IH tons °zamozzog of pled 'Aug 3i `ssaoxa app gitM `anp uaip Iou 10 =palm `ivaumzisui diunoas slip pamoas stuns am of pagdds aq Hugs spaaoozd snoaaeggaosgg app `pauassag aq pinom i(punoas s,zapua-g JO aggissa3 Riisoluiaaooa you si zisdaz zo uoliszofsaz agi 3g •spaaoozd snoausggaosm tons uo sUtluzsa zo Isamu! Aus zamozzog Asd of pazmbaz aq iou usgs zapaa7 `spaaoozd snoausigaosgg tons uo plsd aq op isazaiui sazlnbaz Me-g aggs njddd JO $uppm ul apsui sg fuauiaaiae us ssal)un •pai0gdmoo Si 7IzoM agf se sivauuiCsd ssaz8ozd jo sauas s ui JO fuauiaszngsip aggugs s ui uogszopsaz pue sgisdaz app zo3 /Cud Asiu zapua-g qpduiozd ualsizapun aq Iisgs uoif3adsug lions ism papinozd `uoposjspss s,zapua-I of paiagduioo uaaq set 3IzoM alp aznsua of ,CUadozd tons ioadsai of Aqunizoddo us pst ssq zapurj !pun spaaoozd snoausggaosryq tons ppog of iq$u agi ansq gists zapuar `polzad uopszopsaz pus zisdaz gaps &uunQ •pauassal iou sl Munoas s,zapua-I pus aggissaj (Iisomuouooa sl iisdaz JO uopezoisaz app 3l `Afzadozd app jo zisdaz zo uoliszoisaz of pagdds aq usgs spaaoozd snoausgiaosq tons `paWstusp sl 1Cfzadozd am 3I •zapual of pled aq gists pus 01 paugisss )(gazag azs spaaoozd snoaueggaos1W !iv •ainga3.iog tspaaaoid snoaueggaasm 30 3aamu2gssd •IT °afoN app ui papino1d a isz app is roam Asd op uopeRiggo S,Iamonos s1Oa33e pg uolioas sitf ui &ulgfoN .Mtn aggsoigddy i q pazlnbaz sl uopsumuai 'pun JO uolisutuuai tans 103 &uipinozd zapua-g pus JO/1%01.10f uaaMpaq ivauiaaag uap1PM Alm gf1M aouspzo33s lit spua aousmsug affsnuoN zo3 fuauuaignbaz s,iapua-I alp 'pun `anzasaz ssog aggepunjaz -uou r aptnozd of JO 130330 ui aousznsul aSeauow ulsiulsiu of pazmbaz siunluuazd app ,Ced ggsgs 1 M011og `a0ueznsug anauow zo3 sumIt uazd aqp memo) sfuaulAsd pafeu2gsap Alaiszedas 03lsai of pazmbaz sSM zamozzog pus uso-g atf RupiSW 3o uopipuoo a SR a0uemsag aesaizogg pazmbaz zapurg 3I •aousmsul 05sauog, zo3 stunmuazd agf pzemoi sivauiAed paisualsap Rlaiszsdas sazlnbaz zapual pus `pauisfgo st `aggsgiens satuooaq mar zapua-I eCq pai3aias zamsug us Rq papinozd (sannbaz zapuarg imp pouad alp zo3 pue iunome alp ul) a15zan00 a0usznsul 025 210JAg 3i siaauIRed anzasaz ssog gimbal zaRuol ou us0 zapua-I 0f4.99F30 for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property Loan Number: 0007687445 WYOMINOSingle Family—Fannie Maa/Freddla Mac UNIFORM INSTRUMENT I.T. 3/00 MNials) (Initials) c.5. 092 Fora, 3051 arose (page 10 of 15 pages) MWYIOCV A3I IAMVII (s98ed 5l /o 11 959d) slue ten two t:60 (dell u (s1B18u? ooI '1'I 1N3Nf iSNI raloAlNO afw MPPaliMI Y Mwed e1l 5VVL89L000 :JegwnN U •lUatwnzlsuj ,ilunoas sup jo par aloN am jo Adoo auo uaAIS aq jjsgs zamouog •,fdop s,x3Aio tlog .LT •uopoe Cue mitt 01 uop1Stjgo !Cue 1nolltM uopazosIp Nos santii „Ar u„ pzom am pUe `eszan OOTA pue jeznjd am apnpui par uuaut jjegS zujnWuis am ui spzoM (Z) `zapUaR autupmaj a p jo spzoM z0 mom zalnau 8uipuodsauoo apnjouj puu uEatu jlpgs zapuag aui1nos= am jo spzom (j) ,luaUmzlsai Alunoas Sip u! pasn sy °uoistAold &upotljuoo ag1 lnotpiM 1oa33a uaAT2 aq uuo gotgm aloN atll JO luaumzlsuj ,ilpnoas spit 3o saoispnOZd zaglo 1oa33u iou mils lomuoo gons `ME-i ajgEotjddy mph slogjuoo a1Orl am zo luatunzlsai Alunoas sigl ;o asngp z0 U0!S!Aozd iCu1 rip ma to am ul 1oVZluoo Aq manmade lsare$u uoplqujozd E se panzlsuoo aq iou jjugs aouajts lions inq 'mans aq 31 jm 1! JO log111100 Aq aazBE of sap.Ed atp mom £ppljdta! z0 Xptoijdxa lgWpa Mu-i ajggoljddy •mrj ajquojjddy jo suopeluutj pug sluatmazmbaz Aue of loafgns are luatu ulsaj 'flunoas sigl ui pauteluoo suopE2ggo par may IIy •palEooj st Azadozd am t pigM ut uopoipsunf aql jo mE! alp puu Muj imam £q paazanog aq !ins 1Uautnzlsai Alunoas SUJJ •uollant;suop Jo salt% `•Allljgeaatas !mei ;IulutaAOD •91 •luautnzlsuj ,Clunoas spp zapun luatiazrnbaz 8uq uodsauoo am IJspus !!Tm 111autazrnbaz mu-i algEoljddy am `MUrj ajggotjddy zapun pazmbaz oslE sT luatUnzlsa! Animas sitp Aq paztnba1 aotlou i(uE 31 °Japan Aq pan!aoaz AII W°E !pun zapuaj of uan!B uaaq aim! 01 patuaap aq 1011 netts luatunzlsaj IC1TZnoas s!gl 11TH uopoauaoo ut aopou ICuy •1 At011og of aopou Aq ssazppe zagl0uu pa ruksap seq zapua-j ssalun uTazaq palmis ssa1ppI s,lapua-! 01 IretU ssep lszg Aq 1! Rutliu11 Aq zo lT 5uuan!jap Aq ttamff aq ii is zapua-j Ol aopou Auy •atail auo Auu lE 1Uatutulsai Alunmas sp.p Japan ssalppE aopou palua$tsap auo Alta) aq Arm amid, •aznpaoozd pa!Jipads 111111 Onortll ssazppE Jo aRuugo E izodaz /quo imp zaMOZZOg uatp `ssazppu jo affuEg3 s,zamozzog tupzodaz iO3 aznpaoozd a saijtoads zapuai 3j •ssazppE jo afurgo s,zamozzog jo zapual Ajpou Apdtaozd Ijggs zaM0li0 •zaptta-i of aopou Xq ssazppe aopou alnlpsgns E paleaksap sEI zam0z1011 ssajan ssazppy filmdom a'p aq !LEgs ssazppE aoi2OU aqy •as1M1aglo swath= Ajssazdxa Attu ajgeoilddy ssajun szaM0zz0g HE 01 0011011 alnlpsaoo !jugs 1 Mozzog aao Afar of ao!loN •sUUaat iaglo Aq lugs 3T ssazpp1 aOp0U s,zaMO11Og Ol pato /Tlap '(IIEttloE uagm JO jiuut ssep lszg Aq papetu uagm lamozzog 01 uani8 uaaq angq of patuaap aq Timis luatutulsai ,(lunoaS sTgl glom uopoaUa0o u! zamozzog Ol aopou Cu y •Ruppm uT aq 1snut luaunulsai Animas stgp tl1TM uopoattUOO UT Japua-i JO zam0110g Aq uania saopou Ily •saarlON •S1 •affzugozano Ions 30 lno 8u1sUE anal ;1810' zaMOZZOg 110113E JO 1118tz ,(TIE JO zanTEM E alnlpsuo3 IjiM zamozzog of ivatuCEd 1Oazip Aq apetu puma/ lions A11E ;o aoueldaooe s,zamouog •(alobj atp zaputt 1OJ pap!A01d s! aizego luaul/Wazd g 1011 zo zatpagM) a2lggo luatuAudazd (uu lnogl!M luatuCEdazd irpzud E sr pavan aq tilm uoponpaz am Igdtouud saonpaz punpaz u 3! •z2nt0110g o1 luautAud 13azip E Bupteut Aq JO MOM all zapun panto jEdiouud atp gonpaz Aq punjaz sip alum 01 asoutp i Rtu zapuarj •1oMO11Of o1 papUn;az aq Ijim sum!! palnntuzad papaa3xa tp!gM zamozzog wog pa1Oa!!oo Apra* stuns /Cue (q) pue Mum pa11puuad alp 01 021113 all aonpaz of ,Czgssaoau 1Unoure agl Aq pampa/ aq jjEgs a81E1jO ugo! gons i(ue (g) :nap 'mum pal1!uuad a'n paaoxa awl am glom uop0011110o tut paloaij0o aq o1 JO pal0a103 sa!zugo UEOI zallo JO swam! all Imp os palazdzalut AjjEag s! mEI imp par `sa81Eg3 aeo! Utnunxutu slas g3PTM MEj E 01 10acgns s1 UEO-i 0111 3I •MEri ajquoTlddy Aq JO 211atunzlsai Alun3as sill Aq paltgpjozd Aissazdxa air Imp saa3 a8zugo iou Aral zapua-j •aaj lions jo 8ujazugo all 110 uotltglgozd sE panuisuoo aq ion jjetjs zam0zz0g of aa3 ojjpods a aazego Ol luatuttusaj £lunoas sjgl 111 Antogln1 ssazdxa 3o aouasgq 011 `saa; zaglo Au 02 p1Elaz ui •saa3 uopunlun pue uopoadsut 06.990 086679 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 federal 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: (i) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (ii) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (iii) 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. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due Tinder the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA Loan Number: 0007687445 WYOMING-Single Family-Fannie Mee/Freddie Mae UNIFORM INSTRUMENT I.T. 3/00 (Initials) (Inlials) U94 c orm 9051 win (page 12 of 15 pages) MWYI2CV AOCIAMf (se5ed g so et eyed) ee/e msos WIN 0ae 'El 1N311naLsw weoaINn NPP•i/I'w NUd NIuied e1BuI40MwoAM 9P1L89L000 :JegwnN 11801 •dnuralj lgivaunro1Tnug ue zo3 zapuarl uo uoprapgo Cue arm mils claim! aulrpoN •mrZ Ieluatuuo1Tnug g3tm aauepz000e 111 suopo8 lelpauraz ssaoaa !!e aIel Apdurozd Ilegs zamouog `A ssaoau s1 I11adozd alp &upoaJJe aon83sgns snopz8Z8H fun 3o uopeipatuaz tat po JO lgnouraz Aug legl `Alzrd a38nud Cue JO `eiluollne Azo1eln2az zo l8luauruzan0B Aq paijpou sT JO 'mural zamozzog 3I •,Clzadozd aq1 3o aninn arp s10aJ3e iCiaszanpe toTtm 0ourpsgns snopzrzeH n jo asealaz JO asn `a0u0sazd ati Aq pasneo uoplpao0 Niue pu8 '00uelsgns sn0pzez8H LCue 3o asealaz ;o lump z0 asealaz `0$z8tpsTp lu1)leal lupgds Cue '01 pallcut 1ou lnq Ru!pnlou! `uoppuoJ leluautuozinug (z) :00paimom! lenl0g seq zamozzog go!gm 3o me'1 leluatuuoz!nug zo aaaelsgns snopzrztil ,Cue pur dClzadozd alp &uptionu! ,Cited a3enud JO d0uaSn Szolrin2az JO 1ep110tuazan08 Cur iCq uopoe za JO pmsmnl `pueraap 'mu p 'uoi1eRpsanu! £u8 (I) jo aopou ual3um zapual omo Apdurozd guts zamozzog (sionpoid zamns1100 uT saoaelsgns snopzez8q '01 pal!rug lou 3nq '&i pnpur) Rlzadozd alp 3o a0u8aa3unn11 0l ply sasn igpuaplsaz puma 03 alnudozdde aq o3 pazru8o3az Rljezaua8 ate 1813 saoueisgns sn0p18Z8H jo sappuEnb !Furs jo i(pzadozd alp 110 a1ezois z0 `asn `aouasazd alp 02 Aldd8 lou Ilrts sa0ualuas oml 8ulp0o0zd NJ, •A1z0d0zd 0111 JO awn alp 8100338 I(laszanpn legs uopipuoo n 8018010 `a3u8lsgns snopzez8H E jo as80101 z0 `asn `aouasazd alp of anp 'goiq{m 10 uoi31puo3 irpuauruozlnug tie saw= gorgnr (z) `m8Z leluaruuozinug Aug ;o uopeloin u! si rip (I) .Alzadozd at1 8upoa33e 811Tt1iti8 `op 01 asp auo,Cue moue zou 'op 1011 gets zam0.uog •A11adozd aq3 tit JO 110 `sa0ue3sgns snopzez8H ,fun asealaz 01 =maim JO `sa0u83sgns snopzez8H Iiue jo asealaz JO '0W8z03S `l8sodslP `asn `aOuasazd all 3Tuuad JO 0S1180 1011 !Eels zam0zz0g dnu8oJJ leluauamzlnug tie z0281.1 asrmzatpo z0 `03 alnqu3uo0 `051180 tiro 1811 uot31puo0 e saea111 „u0plpuo3 ie3uauruozrnug„ tie (y) ptie M8'l leluaur110z1nug tiT paugap se `1101308 I8AOtiraz zo `11op08 le!patuaz '1101108 asuodsaz /Cue sapnj0UT „dnueaJD ieluaurnozrnug„ :uo!loalozd i83u011ru01Tnu0 JO /Cops 'twat! 01 038101 38111 pa18001 s1 Aiadozd alp =gm uop0Tpsunf alp JO Smel Puy Smni Iezapa3 su8OW me'I ie2uauruozinug„ (z) :s181zalear ani30eoip8z pun `ap1CgapiEauo3 zo soisagsr RU ui83uo0 sl8ualear `sluanlos alpel0n 'sapiotgzag par sapopsad 0701 `sionpozd urnaiozlad 0ixo1 z0 ajg8ararep 10110 'mason)! `augose8 :saouelsgns S11!moJio3 all pun me-1 I81tiaaru0ZTntig 1Cq sa158m z0 'sluelnjlod `saouelsgns snopzezeg z0 OIX03 88 paugap saOu81sgns asorp ate „saoue1sgns snoprez8H„ (I) :IZ uop0as 5111 u! pasn sy •80oun3sgns snopJezIH •IZ •OZ uopOas srrp 3o sao!srnozd uop08 0ATl001100 03181 03 £llunUoddo pug 00pou atp Ajsp8s 01 paruaap aq 118118 8I uop0as o3 ltiensznd zamozzog o3 uanTB uop8zala008 3o a0pou 0tl pub zz uop0as o1 luensznd zam0.uog 0l 11011!8 azn0 03 1C3TUn3zoddo pub uo138za10008 3o 00rlou agy •ldez8ez8d sirp jo sasodznd zo3 aigeaoseaz aq of paumap aq !!gm pouad amp 18g3 `ua3181 aq 1180 uop08 11181100 azojaq asdR10 lsnur 11ow11 n pouad amp 8 sapinozd nitri alg8ollddy 31 •uoT3oe 0AT3001100 0ri 03 00po11 tons 30 Bur/TB all za33r pouad alg8aoseaz a o1azaq /C3z8d zar{3o alp papzo33e pub Trani p080118 11ons jo (SI uopoas jo mamma= 0113 t3Tm a0u8T1dur00 111 MATS' a0pou tons g3Tm) /Curd zatlo arp pagpou set zapua-I JO zam0zz0g tons !pun '3uarunzlsul 1(1!1108 spp `3o nosnaz 1q pamo Any Aun z0 `3o uolsInozd Are pagoeazq 8811 1118d zarpo at3 18111 saffa!!e 3813 JO 111auttlzlsul /firzn0as sill 03 luensznd sa0p08 s,1C118d zarp0 alp wag sasur 1813 (ssrlo a jo zaquiauu all z0 pu8 11!r 18npATpuI 118 zarpra sr) 11op08 I8T0!pnf ,fur 01 pautof aq z0 `idol `aouotumoo hut zapual zou zamouog zat3ION •zas8g0znd mot al31q papAOzd aslmzallo ssalun zas8goznd a10M alp 1q paamssr 1011 018 pub (s)zaolnzas ueo-I IOSSa00ns r 01 pazzajsuez3 aq JO z00Tnzas 11801 al) I111m Truro !!1m zam0zzog o1 saopea1lgo &ulornzas 11801 0 821zouz alp 'awls' alp 3o zas8gOznd all 118143 zatlo za0rnzas uro7 a 1£q paolnzas sI u8o1 alp zageaz0113 par Nos sl aloM at3 3I •1101nzas 3o zajsuez3 3o a0pou n g11m uop0auuo0 u! sazmbaz S 6 p 0G1.499S0 ost;6 7 )0 0 9 6 NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. 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. Loan Number: 0007687445 WYOMING-Single Family- -FannM MaNFreddM Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) Inftlele) C>. Form 3051 3/99 (page 14 of 15 pages) MWY14CV A04IAMw (se5ed 9110 91 eyed) eels wee used L60 SD (sleiqul (sIBIAuI 'GUMS aye peroexe Aeyyeysiey ae ew o1 peOpelmoure App oym luewnarsul °nogg syl p (s)JeuBls e43 ow eiopq pereedde /llauoswed QA De •Q•b buewepelmowpy Jo; eull situ Mows voedSl oo/6 '1'I pawpaws! wtlodMn sew wppwweew Mwy -Aemed eJouls- ceswoAM svpL89L000 .jegwn ueo 10 sand uoissaurruoo ,iys NO1lI)IS 3NIISIHHO 'N }o step O e43 u0 30 AJM(IOO ass i•NINioAM 10 aLVZS NO1lINS 3N 1SIHH0 °N °ax !RA paw= par .ramofog Rq paanoaxa (s)zapu Rue u! pug auaurruasul Mpnoas sign ut pauteauoo saueaaAoo pun slum aga oa saazte pue sadaooe zamoIzog `MO"Igg ONINOIS Ag SuauoiCAt ;o smei uopduraxa peaasauioq aga 3o anazrn Aq par Jopun sagaiz lie sam nn pue saseaia1 aamozaog •s ramuM •tz 064,99€ O V V V V79O WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN: Charlotte Neel- Reinhart PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made 28th this day of June, 2000 ,and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument of the same date, given by the undersigned (the "Borrower to secure Borrower's Note to First Security Bank, N.A. (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 292 SPRUCE DRIVE, THAYNE, WY 83127 STAR VALLEY RANCH LOAN NO: 0007687445 u E n [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in THE COVENANTS, CONDITONS. ANDRESTRICTIONS FILED OF RECORD THAT AFFECT THE PROPERTY (the Declaration The Property is a part of a planned unit development known as [Name of Planned Unit Development] (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 Obligations. Borrower shall perform all of Borrower's obligations under the PUD's D i V 11 MULTISTATE PUD RIDER Single Fam y -Fann a Mae/Freddle Mac UNIFORM NSTRUMENT FORM 3150 3/99 I.T. 10/99 (page 1 of 3 pages) 098 {I nitials) Ini ials) RMS1PUD 0f1dZSWd 9 1B IAu I alp jo 1uauwa8eutTa -nas jo uopdwnsse put 1uama2turtT p uoissajozd jo uopeuiuua) (iii) :Iapua-i jo 3gauaq ssaldxa alp Io3 sI U0ISTn0Id ag3 3i „S1Uawn3oQ 1Uan1ilsuo3 alp 3o uoTSTnoJd dill 02 luau:Timme due (TT) :ultuzop luaunua JO uoileuuzapuoo dq e 3o aseo all ui JO dllanst0 Ia10 JO azij dq uopon1lsap ieputlsgns jo asto alp ui mti Cq pazmbaz uopeaitual Io luatuuoputgt loj idaoxa `and all jo 110pEUnu.Ta1 JO 1uaUIUOputge alp (T) :ol luasuoo JO Apadozd aril apinipgns .to uoppied =pp luasuo0 ua11i1M Loud s,iapua-i p pm put iapuai 01 aopou nut ldaaxa `iou iieTis Iamozzoa luasuoD Jolla s,Japua' •a 11 uopoaS ur papin0zd se luaumzlsui dlunoas alp dq paznoas sums all o1 zapUa7 dq pagdde aq Huffs spaaoozd pons •Iapua- o1 pied aq !laps put pau2isse Sgaial alt `uopeauzapuoo ;o nail ui aDuedan1103 dui zo3 so 'and alp jo sapgroej put Seaze uouuuuoo at!) 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'pm `ajquArd aq jjrijs pur aavJ afojj pip fE auaaasmgstp jo aarp pip uio13 asaiaaui nag Timis sfunotur asap `fuaui,Crd jo sum; Jaino oa 00Jar npuai pue JaMOJJOg ssajan 'auaumJasui AaunpaS pip iq pampas JamoJJOg 3o fgap jeuoptppi auiooaq Ergs d gdEaEJrd saga Japun Japuri Aq pasmgstp slunoui Arty •uiaip hd dram Japua-j uaip `anp mum saualussassr par sanp and Xrd fou swop JOMOJJOH ji saipawag •3 •Japua-j of ajgradaooran uoprtpossy szaum° alp ,tq pautEfureai aSr1anop aaurmsui Aaijigrq oijgnd pip &uuapuai jo fpa3ja pip anrij pjnom ijppim uopor Aur (Ai) JO :uoprtpossy sIaMMO 00T (seded a 10 E eyed) 88/04 '11 88/£ 094£ WNW 1N3WfH1SNI WHOIINf asW oIPPoId/asW aluusd-- Allwed ei6u1S_H301H and 3D /1SI1111W SL VL8 9L000 :ON NYO1 NO1lI)IS 3NIISILH3 'N 0GI!,99R0 oisbb't Loan Number:0007687445 ADJUSTABLE RATE RIDER (5 Year Treasury Index Rate Caps) (Initials) 101 THIS ADJUSTABLE RATE RIDER is made this 28th day of June, 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower to secure Borrower's Adjustable Rate Note (the "Note") to First Security Bank, N.A. (the "Lender of the same date and covering the property described in the Security Instrument and located at: 292 SPRUCE. DRIVE. THAYNE. WY 83127 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 7.6250%. The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of Ju 1 v 2005 and on that day every 60th month thereafter. Each 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 5 years, 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." (Initials MULTISTATE ADJUSTABLE RATE RIDER 5 YEAR ARM Single Family Fannie Mae/Freddle Mac Uniform Instrument Form 3131 3/99 I.T. 2/00 Pagel of 3 RMS5YR1 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 federal law. 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 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. By SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Adjustable Rate Rider. Loan Number: 000 7687445 C _&/`°s° Lez gA's N. CHRISTINE SKILTON MULTISTATE ADJUSTABLE RATE RIDER 5 YEAR ARM Single Family Fannie Mae/Freddle Mac Uniform Instrument Form 3131 3/99 I.T. 2/00 Page 3 of 3 RMS5YR3 102 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower