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Home My WebLink About86684701013579 WHEN RECORDED MAIL TO: First Security Bank, N.A. Rock Springs Mortgage Production Office 1400 Dewar Drive Rock Springs, WY 82901 0007688666 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 30, 2 0 0 0 together with all Riders to this document. (B) 'Borrower" is DAN T MERRITT and MARY W MERRITT, husband and wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. Lender is a Corporation organized and existing under the laws of The United States of America. Lender's address is 1400 Dewar Drive Rock Springs, WY 82901 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated June 30 2000 The Note states that Borrower owes Lender Twenty -Six Thousand, Two Hundred Fifty and No /100 (U.S. 26 250.00 plus interest. Borrower has promised Dollars to pay this debt in regular Periodic Payments and to pay the debt in full not later than July 1 2005 (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. D D LT. 3/00 i u D i A Space Above This Line For Recording Data D U MORTGAGE 8668 BOOK 448 PR PAGE 2 4 1 Initials Initials WYOM NG -Single Family Fannie Mae/Freddie Mao UNIFORM INSTRUMENT Form 3051 3/99 (page 1 of 15 pages) RECEIVED COtL nI 4j .('Ft N 00 JUL MWYOICV VSI: KEMMERER, VIYOMINi 0s66S4"` (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]: Adjustable Rate Rider Balloon Rider 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. (IC) "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, dr 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: 0007688666 W YOMINGSingle Family-- Fannie Maa/Fnddla Mac UNIFORM INSTRUMENT I.T. 3/00 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider nitials Initials 242 n Second Home Rider Other(s) [specify] 3051 3/99 (page 2 of 15 pages) MWYO2CV AOtOAMW (salted gt }o E aged) 6610 Lsoe W CP „ssatppy Auadoid !emu 3AIIO 1VIUV1 v£ ooie •1•i 41316I1H1SNI WHOdINII ORP( NPPudN•W •w.d elByStNi1WOAM 999889L000:aegwnN ue01 •J JSU 11. spund oiuolloaig (p) JO Alilua so `AlipTluawnpsu! `Aoua$e imam E Aq pamsrn aiE sqsodap asoi{M uorinlpsuT ue uodn u4e1p ST ][oai[O Ions Sue papinord 'raw s,iaigseo zo 3io0lo mainseail `3I0ago YIugq `Aoago pampao (o) 'aapio Aauour (q) 'TTseo (e) :Japuaj Aq paloaias se 'stun BuiMojjoj alp jo aioTU so MO ui Op= aq luaaTnpsul AlpnoaS spp pug aloN all iapun anp sluaurAgd luanbasgns fig JO Cu e imp aiinbaz ,Ceuz 1apua'l `piedun iapua'I of paurnlai si luatuiu suj Alunoas sup so 010N agl .rapun luau/cud sr iapua-j Aq pa /goon auaumpsut ialpo JO 31oa140 Sue 3i `zanMOH •Aouazino •s• fi ui spear aq Hems luaurnrlsui Alunoas sPp pug al 0M alp zapun anp swam/cud E uopoas Ol luEnsand small Mo.zosg lo3 spunj AEd oslg hugs .Tamouog •al0N all Japun anp sagngtp algl pug saBieTTo luamAgdaad Aue pug atom all Aq paouapina )gap alp 'uo lsaialui pug `3o Igdiouud all anp ualt Aed putts iaMO.uog •saHaugO awl rl puu 'sa8aug0 juawLuda.rd 'swajl Atonsa 'jsaaalul 'Iudlouud jo juaw,Cud :sMoiioj se aaz8e pue lueaano° aapua-I pug iaMOiiog S.LAIVAIaAOD NRIOiJII�1f1 Auadozd Ieaz Bui1n00 lU UTnpsUI Alunoas uuo3Tun a alnlpsaoo of uopotpsunf Aq suopeT.Ten paaiuzil Tp!M slumanoo uuojitm -uou pug asn IeaopgU .103 slUEU0A00 uuojian sauigmoo AIRIfID2S SIHI •pi000i jo saoueiqurnoua Aue of loafgns `spueurap pue suTieio IIe lsuie8e Alzadord all of app alp Aiieaaua puajap IIIM Put SlUEJJEM za&ouog •paooai jo saouguqumoua .zo3 ldaoxa 'pa1aqurnouaun st Alzadoid all lug) pug Alzado.rd all SOAU00 put lugig 'a8e8laotu of Mall all SETT pue paAanuoo Agaiag alma all 3o pasias AIITTJMei si zamoz'° I rgTP S,LAIVAIaAOO IMMO2RIOg Ar1ado1d„ all se mamma' AjunoaS sItp ui of pomp/ si 8uiogaioj alp jo iIV 'luaurTTTlsal Alunoas sup Aq paianoo aq osle pegs suormppe pu sluauraogidaa iw •SlJodoad all jo lled a zal ;eazal 10 MOU sainlxj pue `saoueual ndde 'mamma Tilt puu `AUadoid alp uo pinata Javrazal JO MOU sluauranozdtui agl ILE H,LIM IlaHJ OO,L drZ 81.1. ?uiuro/Cm [AID] VN13 jo ssaippu agl seq Apuauno goilM ')18310 ALN1100 N100NI1 3H1 JO 30Idd0 3H1 NI 41.1.E ON V1Vld SV 9661. '81. AVN 031Id iYld 1VH1 01 ONIOd000V '9NINOAM 'A1Nl00 N103NI1 '9 ON NOISIAIO S3H3NVH 0IOHON '98 101 [uoiloipsunr guip1ooau jo U Nl [uoiloipsunl• guipiooau3o adkL] N100NI1 3° AINf103 all ui palgool Aliadoid paquosap &uimollo3 a p `ales jo 1aMOd TPIM `su`Aisse pue SIOSSaoOUS s,Japua'l pug Japua7 0l Aanuoo pug Tun `a8e$uour Agatal 4.37S99S0 OS66847 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: 00 07688666 WYOMING -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) (Initials 244 orm 3051 3/99 (page 4 of 15 pages) MWYO {CV AOSOAMW (seed lit {o g eyed) 66/C 440E wid OWE T1 1N3Wnll1SNI WHOIINf e'W MPPOM/OOW 6 1 009 a1 Nlwed eI ONIWOAM 999889L000:JegwnN uthri iESai `ut uat aip jo auamaozojua ismar spuajap JO `Aq ipiEj poo8 ut uail aqa sasa3uoo (q) `°3uauraaiSg ions Sutuuojzad si zamozzog st Suol os Aluo inq `zapual oa apgg3daooE =MITI E ut uaii aqa Xq pampas uotazSilgo aip jo 3uaurAEd alp oa Sar1mM uT saai (g) :zamozzog ssalan 3uatunr1sul AaunoaS spy JOAO Aauorzd SETT totgM nail Cun aSzEgosip Apdmozd jags zamozzog °E uopoaS ut papinozd zauuEm OM in utaip /cEd IJEgs zaM0I1Og `small MOZOsa OJE smaai sop 1Eila mama agl oy •,Cut 3r `S3ualuSSassy pun `soap `sand uopmtoossy ,iaiunuuuoD puE `Sur 3t `4Jadozd alp uo s3uai punoz8 zo slum/Cud plogasnal `3uautnzlsul Animas sup zano 41zoud utna3t uEO goiqM A3zadozd a p of alginngTZaan suoraisodun pue `saag `saSzngo `sauaurssassE `saxE3 yt X d This zamozzog •suail tsaWitga •zapua-I Xq ppag spund /CuE iamozzog o3 punjaz Apdmozd lings zapua'l 3uaumz ;sul AIIITIoaS sup Aq painoas sums IIE jo ppn3 ui auaw CEd uodn •sauaurAnd Appuour anlaM3 unup azour ou uI anq `ddsaI gaits aouEpl000E ui ,Couaiogap am dn aaiEar of Aznssaoau aunouiE am zapual oa AEd IIEgs zamozzog pun `ydSa2I �Cq pazinbaz sr zamozzog &pou iings zapua-1 `VdSH21 zapun paurlap SE `mozosa ui ppag spund jo Anuatogap E si azaip 3I °s3Uaut/Cud iipgiuoul anpama uEip aiour ou ut 3nq `ddsaa ippin aouipz000E ui aSEazogs lip dn alEra o3 £i ssaoau aunouzn alp zapual oa rd iEgs zamozzog puB `ydsazi Aq pazmbaz sr zamozzog SJT0u IIEgs zapua-I `ydsarn zapun paugap sr 'mama ur ppat spun] 3o affn1zogs E Si alaga JI 'ydS32I gaits aoumpzoon ur spun; ssaoxa aga zoJ zamozzog o3 3unoOOn ins zapua•l `ydS31 zapun paui3ap sE `Mozosa ul ppaq spund 3o snpdzns g si azaga 3I •ydSa2l Aq pazinbaz sg spund alp jo Suiaun0001 pnnuui un `aBiEgo ano psn `zamozzog 03 AT hugs zapuarl spund alp uo pred aq pj maim! 3EIp `zanMOq `SUpuM ui aazSn uEO zapual puE zamozzog •spund alp 110 SSUiuzEa JO 1s0za3ut ,CuE zamozzog iCEd oa pazinbaz aq )ou pangs zapuai `spund am uo piEd aq o3 maim! sannbaz ME-j apmonddy zo Sui1TM ui apnm si auauraaz?t un ssalun •aSzngo g lions azlpm oa Japan suuuad ME apggoipddy pun spund am uo 3s0z011It zamozzog sAnd zapua7 ssapun `small mama alp Sutkjtzan JO `3unooOE Mozosa ag3 SutzAman ATTtnUUn `spund aga SaiifpddR pun Sutppoq zoj zamozzog a21Eto 3011 hugs zapual °ydSa2I zapun pat;ioads amp am uEga za3El ou swan Mo1OSg amp rind o3 spund ag3 AIddf IIEgs zapua1 711eg ut°'1 amoH Inzapaj Aug ut JO (pansui os azn s3rsodap asogM uopn3psut RR sr zapua-1 3t `zapuaTl Sutpnpoat) tCaiaua z0 `/i3p1EauaUtn ISTII `,CouaSE imam paznsai azE s3rsodap asogM uopnaasut ut ui ppaq aq Iings spund agy .Mr apgmotjddy IpiM aounpz000E ut asimzagao zo srualI mimosa azn3nj jo saznnpuadxa jo saama as° apgEuostaz put n3mp 3Uazzno jo stsnq aq3 uo anp spund 3o aunotur aria a3tnupsa IIEgs zapua-I ydsaJ zapun aunbaz U13 zapual E IUnouIE LunatixRUl at3 paaOxa 03 3011 (z) pun ydSi32l zapun paUTOads amp am aE spund am Apddd oa zapual a!UUad oa auatOgjns (I) 3UnoUIE aE ut spund ppoq put ramp `aura i(uR 3g 'Arm zapua-I uopoaS sign zapun paztnbaz uaga O1E 3Eg3 `saunourt Lions ut puE `spund lln zapuaq o3 ,Cnd IIEts zamozzog `uopEoonaz lions uodn `pug SI uopoaS IpiM aoiEpzmor 11! Uan1B aopou r Aq aura /cur 3E sUIaai mama TIE 10 XU 03 SE zan1EM alp 03IOAPI AMU zapua'I •3IInoLUn ions iut zapua'I 0 3 AEdaz 03 6 uopoaS zapun paaEStgo aq uaip uurts zamozzog put 3unourR Bons AEd pug 6 uopaas zapun spigu sai astaioxa Am zapua-I `mall Mozosa ut 10J anp aun0UtE aga AEd o3 sJ1E3 zamozzog puR `zantEM g o3 3utnsznd `Apoaztp small Mo1OSa /CEd oa pa1m5ggo st zamozzog 3I •6 uo Ui pasn st „auauraazgt pun 3UEtanoo„ asgzgd aga sE `auaum13sul /CaunOaS stg3 ui pau1E3uoO auauraa1Sn puE auEUanoo n aq o3 paivaap aq sasodtnd pIE 10j Iings sadiaOaz apinoid 0a puE s3uam10Ed Ions a)lEU1 o3 uoptWggo S,JOMOZZOg •azmbaz Attu zapuarl st pouad aura lions uig3IM 1UaUriCnd Bons SuIOUaptna sadiaOaz zapuaq 03 1.1siuzn3 Hugs `sazinbaz zapua-J 3t `put zapua7 Aq paniEM uaaq sEq spund 30 3uaUriiEd IOigM zo; stua3l Mozosa /Cur zo; anp s1unoun alp `aignAEd azagM pui UagM `Apoaztp AEd TIEgs zamozzog `zaninM tons Jo Juana alp in Sut1uM iii aq Xpao 1anUUM lions S z 417899f0 0866547 246 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:0007688666 WYOMING-Single Famiy-- Fannle Mee/Freddle Mee UNIFORM INSTRUMENT I.T. 3/00 Initials Initial Form 3051 3/99 (page 6 of 15 pages) MWY66CV A090AM I (se6ed gi Jog eSed) 6w6 1.905 u++ej v 11 (sIeiiiul (smut) OWE 'll 1N3WfiFLLSN1 WUOAINfl Devi elppuj/eeW eluuej -Ap ej eIBuISONIWOAM 999999L000 uso •anzasai ssoi cans uo s &utuuea zo isazafut Auu zamozzog Aed o; pazmbaz aq uou netts zapua- puu `iin3 ut pied £ta ;Hatpin sr uuo'1 an mil iouj atp fttputristplAtiou `atqupunJaz -uou aq tie's anzasaz ssoi t'onS •aODUnsui a5e51101A1 jo no!' ui anusaz ssoi aigvpunjaz -uou e se s uautAHd asap utuuaz puu asn `idaooH 'um zapua7 •;oa33a ut aq o; paseao aBuzanoo aoueznsut atp uat'm anp azam ;Hip sivauiAud pa ;Hagtsap Alanuzudas atn jo ;unotuH an zapua-j o; ,Cud o; anupuoo Imp zamozzog `aiggitene iou Si aBHZanoo aourinsui aBegizoy\t uuaienmba Aiiepueusgns ;I °Japua'j Aq pops zaznsut aBeBUout airuJauie ue utoz3 `;oa33a ut Jilsnotnazd aouHZnsui aBeBUoyAI alit JO zamozzog of usoo an ou ;uaptntnba iillepueisgns usoo a fu Iowa ut Aisnotnazd aoueznsui aBuBUow an o; 3uaiuninba AituputUsgns aBuzanoo uwigo o; pazmbaz stunttuaid atp And hugs zamozzog `aourinsui aBuBuoj zoj stunituaid atp pzumoi sluatuiCud paieuBisap Alauuzudas a3l1W o; pazinbaz sem zamozzog pue aoueznsut bons papinozd Aisnotnazd uuip zainsut age alp utoz3 apluttune aq of saseao zapuar' ,Cq pal a aoueznsui aBeBuoj atp `uosuaz Cue zo3 31 •ioajja ut aODUZnsui aBHBUoyq agi utuuutu U of pazinbaz stuntuiaid aip £ed Iiugs zamozzog `uuo-i atp BuReat 3o uoptpuoo H sr aODUZnsui aBuBuolAI pazinbaz Japua'I JI •aauHansui a2H23aoytI '0I Hui ;tzm ut zaBzam alp o; saaJB1 zapuar' ssaiun aBzaui Jou Bet's app aaj atp puH piot'asuat an `Anzadozd alp ou anti aaj sazinboH zamozzog 31 asual at'i jo sUOtsinozd aip lie ipim Aidtuoo hugs zamozzog `pioipsual a uo Si uuautruisui iiuunOaS styli ji •ivatuSud Bupsanbaz zamozzog o; Jaguar' moz3 aopou uodn `;saza;ut Bons gptm `atgeAed aq Ergs pue ;uamaszngsip jo am) alit woz3 MI aiiu ie isazauut zeaq 'tugs sfunotue asajj •Juaunt sui 'C;unoas site Aq paznoas zamozzog 3o igap iuuopippH atuooaq pugs 6 uopoas sun zapun zapuar' i(q paszngsip suunotur Auy 6 uopOas sign zapun pazuoipne sUOpO1 Iii JO Cue BuDIeu iou zo3 Aftitqutt ou sznout zapuar" Imp paa1Bu st 3i •os op ou uopeStigo JO ,Cfnp Niue zapun iou st pue os op 03 anug ;ou saop zapuoi `6 uopoaS sup zapun uot4Oe ale) AHUJ Japua-t qualm °BO JO 110 pawn) satuiitin anug puH `suopipuoo snozaBuup zo suotuHiotn apoo zatpo JO Butpimq aueuttutia `sadid tuoz3 zaiem utezp `smoputm puH sloop do pzeoq zo aouidaz `s poi aSuutp `sztudaz a3Ieut of Suadozd an Buuafua '02 pauttutl iou st 3nq `sapnput Auadozd alp Buunoas 'Butpaaoozd Aoidtuniuuq e ui uoptsod pampas sit Butpniout `ivatunzisui Aiunoas slip zapun siq a zoipuu ICuzadozd an ut Isamut sit ioaiozd of saaj ,sAauzo ;iu atquuoseaz ButAud (E) puu `unoo ut Buueaddu (Z) `uuautiuisut AUunoas sign zano Aiuoud sHq gOigm =II a iCq paznoas stuns Cue ButAed (I) `o; paint Sou OR unq `apnput uuo manor manual •AUadozd an Buutudaz zo /puu BuunOas puu `iCizadozd an go amen an Butssassu zoipue BupOaiozd Butpntout `3uaumzusui *moos site zapun sup!' pm Atiadozd atp ut Isamu! s,zapua-i 3oauozd o3 a3Hudozdde JO atquuosuaz st zanauugm zoj Aed puu op iCuut zapuar' uatp `AUadozd an pauopuequ set' zamozzog (E) zo `(suopelnBaz zo smut aoJojua 01 JO nuatunznsui AiunOaS sun zano iCiuoud uteiie ICHU1 t'otgm uatl u 3o fuamaatojua zo3 `aznutajzo3 JO uopuuutapuoO zo; `auegozd `,foudnzwtuuq ut Butpaaoozd e sr lions) ;uatunzusui AitznOaS sun zapun sft'$u zoipue Suadozd an ut fsazaiut s,zapua1 ;oa33e 6lfueoJWBts iOBtui win Butpaaoozd t1Bal a st azagf (z) `uuaumzusui /CiunoaS sit'; ut pauiBuuoO sfuautaa1Br puu s3UHUanoo an uuO3zad on spej zamozzog (I) 3I ;uautn.i;sui £jpnaas sigi zapun sit'Bij put ,f;aadoad alp ui isaaa ;ui mapuaj jo uoi ;aa;oad •6 aouapisaz ludtouud s,zamozzog su Auadozd alp jo Souudn000 s,zamozzog ButuzaouoO sUOtiuivasazdaz `oi pafitutl um ale inq `apnput suoiluuuasazdaz luuauelAI •ueo-I an t'lim uopOauuoO ut (uopuuuoJut Iutzaiuui gntm Janua'I apinozd ou palm zo) zapuar' 03 suuatua4H3s JO uopeauoJut aieznOOHUt JO `Butpuatstui `asiu3 Xituuaiuut anRa uuasUOO zo aBpatmouit s,zamozzog grim JO zamozzog ;o uoi ;oaztp atp 21? Buiiou satipua JO suoszad Xuu zo zamozzog `ssaOOZd uop1Otiddu uuoei an Buunp `3t flnuJap ut aq pugs zamozzog •uot;HatlddV uuo i mantoJaog •g e,iR99S0 08b6841 248 the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument, and (2) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. Loan Number:0007688666 WYOMING-Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initials Form 3061 3/99 (page 7 of 15 pages) MWYO7CV AOOIAMW *Bed gL jo pL eOed) ewe MC w10 oa/ '11 1N3WfH1SNI WHOAINI, 0IPPIPJd/.eW .Nuuvd— nuni el 999889L000:IegwnN ueoi Auadozd `saa; sAauzolpe `01 paltuil lot lnq &ulpnioul luamuulsui Alpnoas sup zapun sul2p puu Alzadozd alp ui lsazalui s,zapua'l 5upoalo1d ;o asodznd alp zo; `llnu ;ap s,zamozzog glim uopoauuoo uT pauuojzad saolnzas Jo; saa; zamozzog a i qo AMU zapua-j •SaSaegj uuo' •pj 1apua- ;o suSjsse puu szossaoons alp ptjauaq pue (pt uopoas uI papinozd se ldaoxa) puuq hugs IuaunzlsuI Alpnoas sup ;o sluamaa1S1 pue spuIaanoo ata •Supzm ui asuaiaz lions op saa1Su 'opal ssalun luamtulsti Alimoas slur .zapun Sptjig1ti pue suopuStjgo s,zamozzog moz; pasuapz aq lot Hulls zamozzog •luamtulsui Alunoas sup zapun spgauaq pue sulk' s,zamozzog ;o HU urelgo 'jugs `zapua-1 Aq panozddn si puu `Supum uI luamnzlsul Appnoas sup zapun suo1;t qgo s,zamozzog samnssu ogm zamouog JO lsazapul IIi zossaoons Auu `81 uozpoas ;o suoistnozd alp of loafgns •luasuoo s,zauSts -oo atp lnoglim aloN alp JO 111011111.11SIII AlF1100S Situ JO smzal all o1 p1u5a1 ulim Su0pup0mm0Ooe /Wu a]jeul JO zuagzo; ipotu `puma of aaar uuo zamozzog zaglo Aug puu iapua -i p ql saajSu (o) pun :luamnzlsul Alitnoas sup Aq paznoas sums am Aid op paluSggo At1uuoszad lot sI (q) `.Iuamlulsui Alpnoas sup ;o suzal alp zapun Alzadozd alp uI isazalul s,zauszs -oo all Aanuoo pue luevS `aSES;zoul op Siuo luatu ulsul Aptznoas sup SurSis -oo si (e) zauSis -oo„ e) a1ON all alnoaxa lot saop pnq luauzlulsul Alpnoas sup suSis -oo ogm zamozzog `zanamog pianos pun luiof aq puu suopu2t1Qo s,zamozzog lugs saaiSu puu sluuuanoo zamozzog •punog sUSiss\ put saossaoans isaauSis -oD `.Aliiigei7 ivaanas pue luiof •£T •Apamaz JO 11141 iCue ;o asrozaxa all apnjoazd JO JO zanjem a NA 1011 Mugs `anp uagl lunouzu alp uuul ssai slunomu ill JO zamozzog ;o lsazalui ut szossa33US JO sappua `suoszad pJup wog swam/Cud jo aouuldaoou s,zapua-i `uopultmii lnoulim `Suzpnpui Apamai zo 111311 /Cur Sutstozaxa uI zapuai Aq aouuzuagzo; Cur •zamozzog ;o lsazalui ui szossaoons Xuu zo JOMOIJog juuiSlzo aql Aq a puu puumap Auu ;o uosuaz Aq luamnzlsui Altmoas sup Aq pa1noas stuns alp ;o uopuzplomu Appom asimzaglo zo luamiCUd zo; amp puma 01 asn;az 01 zo zamoz.IOg ;o lsazalui uI zossaoons Auu lsucuSu ssuzpaaoozd aouaunzzoo of pazmbaz aq lot hugs zapua-I •1aMO1JOH ;o lsa1alul uI szossaool>S 'CUE JO zamozzog Jo i quu all asualaz of aluzado lot Hugs zamozzog JO lsazalui uI z0SS OOPS Sun zo 1amozzog of JapuaJ paltre1S luamllzlsui ,Clunoas step Xq paznoas stuns alp ;o uopuzpzoWU ;o uopuogtpom JO luau /Cud zo; amp alp ;o uotsualxg •aanitM t 30N JapuaJ ,fg aauuitaq.zog :paseajag loN aamo.uog •ZJ z uoipoas ui zo; papinozd zapzo am ut ponddu aq hugs iipadozd alit ;o zindai zo uou1UZOpsa1 of pattddu 1011 On lull spaaoozd snoauuilaOSTJAI Ijd •zapual 01 mud aq Hugs pun pauszssu Agazaq azU ,Clzadozd all ui lsazalui s,zapuai ;o luauziudut alp op ajqulnqullu aze 1u1{1 saSuuzup zo; mrep 10 pzume Am ;o spaaoozd ata •Iuamnzpsul Alunoas stul zapun su1511 JO AI dO1d all ui lsazalui s,zapual ;o luamztudut 1rt.Ialulu zaglo zo flzadozd gip ;o aznita;zo; sapnpazd `luamSpnf s,zapua' ut `lull Suignz e upim passtusip aq 0l Sutpaaoozd JO 11093n alp Suisnuo `61 uorlOas ui papinozd se alRlsumaz `pazzn000 snq uotpuzajaoou ;i `puu llnu;ap u lion azno uuo zamozzog •luamnzlsui Alpnoas sup zapun slgSiz zo iipzadozd alp ut lsazalui s,zapua-i ;o luamnudmi 1uizalelu zaglo JO Mzadozd alp ;o aznlza;zo; uI 1Insaz pinoo luamspnf s,zapua-i ui `ingl unsaq si `leuimpo JO itnio zaupogm `Suipaaoozd JO 110110E AIR ;i linu;ap uz aq Hugs 1am01.10g •spaaoozd snoaumposm op pJI ut 110t1OU ;o map U sug zamozzog mogm psutuSu 1Cpznd alp JO spaaoozd snoauuTaosryN zamozzog samo rap /Curd pzttp atp souam „JttJUd Suzsoddp„ •anp uatp 1011 JO zaglagm luamnzlsuj Apunoas Sup Aq paznoas suns am 01 zo iClzadozd alp ;o ztndaz zo uopuzolsaz of zatma spaaoozd snoau1Haosuni alp puu IoaHoo of pazpoupnu st zapua-I `uanIS sI aopou all ale' all zal ;e sAUp pE uupim zapua-I 011 puodsaz of sure; aamouog `so2uturp zo; AtS99 30 0866847 Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim Loan Number: 00 07688666 WYOMING-Shots Family— Fannis Mae/Fraddle Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) Form 3051 3/99 (page 9 of 15 pages) MWY99CY 250. AO l UMW (se6ed 91 Jo 11 abed) ewe LSOe w+a rsz IB!uUI St�iuU 00/£ '1'I 1N3WnM1SNI WUOdINf °BW •IPP•M/" "W MU+id elOuIS!)NIWOAM 999989L000 eegwnN ueo-i JuatunuJsul AlpnOas sup 3o pue apoN alp JO Adoo auo uanTS aq Iletls JOMOZlog 'Moo yaMo uog •Li •uotpoe Sue ale; of uopr2pgo Aug Jnogptm uotpazosip alos sang „/Cent„ pzoM a l pue `eszan Join pur. 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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 under 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: 0007688666 WYOMING-Single Family Fannie Maa/Fraddia Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initials orm 3051 3re9 (page 12 of 15 pages) MWY12CV AOBLAMW (se5ed gL 10 et e6ed) 66/B INC w+o SIrlWuI SIEliUI oae •1•I 1N3WfH1SNI WHOdINn o i •IPP•&/ ',UMW-AP-MA 9 IBUISS'ONIWOAM 999889L000:JegwnN usol dnuuaJD jl;Uaurao1inug UU zoj zapua-i uo uopr2ggo Auu mato Hugs ata1aq UttpoN •mu-i jr1uauruo1!AUg mint aouUp1000r ui suopor iutpauraz ,Czussaoau jir Apdurozd iiugs .raMOmmOg `A.iUSSaoau Si Auado1d atp &at;Oa33r aouu;sgns snopzuzuH Attu JO UoT ;uipaura1 zatpo JO iunotu= AIM ;rtp `,Curd a ;Unud Auu JO `ii1uog;ne Azo ;rinaz Jo JU2Uattrazano2 ,Cq pagpou Si JO `SU1raj 1amo11og 31 •Auado1d atp 3o aniun atp s;oa ;3r AIaszanpr tpnJM aour;sgns snopzrzuH U 3o asraja1 JO asn `aouasazd atp Aq pasnuo uopipuoo /Cur (E) pur `aouu ;sgns Snop1uzuH Auu 3o asuaiaz 3o ;uaztp zo asuaiai `o 1egosip `guppraj luijjids 1Cuu `o; pa2Ttuii ;ou ;nq guipnioui `uonpuo3 ju ;uaunro1inug Attu (Z) :a2paTMOU3T tumor srg zamozzog gOUjM Jo Mini iu ;uauruo1inug JO aouuisgns snop1uzuH Alp pure 'adozd atp 2utnjonUT zud a;rnud JO AMORE i(1o;uinWa1 zo iu ;uatuuzano5 uoi;ou zatpo JO ;msMUi `puutuap `wt jo `UOpr2psanut Auu (j) 3o aopou ua;;uM zapua-J anti Apdtuozd ijUgs IOMOLIOg (s;Onpozd zatunsuoo ui saoutisgns snopzrzrq `o; paiTurg ;ou ;nq lutpnput) A;1adozd am Jo aODUUa;ututu o; pure sasn irpuaptsa1 irauou o; atuudo1ddu aq o; paziuWooa1 AuriaUaff on ;utp saoueisgns snop1uz1H jo sai;r;uunb Rums ;o iCuadoid am uo affuzo ;s zo `asn `aouasazd am 0; Xjddu ;ou Hugs saoua;uas oM; Suipaoazd atjZ •A ;zadoJd alp Jo awn atp S;oaJ3u ,Cpszanpu letp uot;Tpuoo r sa ;ra1O `aouu;sgns snopzrzuH r 3o asrapl so `asn `aouasazd atp o; anp `goTIIM (E) JO uot;TpuoD Fluatuumptug ue saran 1OtgM (z) `MU i it ;Uatmo1!AUg JCur JO UopuIoTA trt ST WTI) (I) A;zado1d anp 211p0033u 2mm/cur `op 02 asp auoiCur mom zou `op Sou hugs 1amo11og •Auadozd atp uT 10 uo `saouu;sgns snoprzuH iCuu asuaiaz o; ua;uanp zo `sa0Ur;sgns snopfZUH Aur. 3o asraja1 JO `0RU1O 1S `iusodsip `asn `aouasaid am ;ttuzad JO asnno ;ou iirgs 1oMo11o11 dnurajj iu;uatuuo1rnug Ur 1a58iz; OSTMZati;o JO `o; a;ngu;UOO `asnno Ura Imp UopipuoO sauatu „uopipuo3 jr;UatUUOltnug„ ur (t) puu MUJ TU;u0111ao1inug Ut paugap Sg `UOp0U iunouraz zo `uop0U juipatuaz `UOp0r asuodsaz /Cur sapnpui „dnuuaD Iu;uatuuozinUE„ :uopoaiozd iu;uatuuo1inua JO iC;aJus `tpjraq o; a;Ujaz ;rip p;rooi ST IC ;zado1d atp azagM UOpOipsunf alp Jo SMrj puu SMUT jrzapOJ suratu „ME ju;uatuuolTnug (Z) `.Siuua ;nut anporoipvv puu `apiCgapiuuuo3 JO soisagsu guRa1U;uoo S1rua ;rar `s;uanios ait;uion `sappig1aq puu sapppsad oix0; `slonpozd tunajoz ;ad onto; zo ajgrtuutrT3 1atpo 'mason)! `aUriosr5 :saouU;sgns &uimojjoJ am puu Mini ju ;uatuaozinug Aq sa ;SUM JO `s;uu;nijod `saour;sgns Snop1uzrg zo 0t3L0; su paugap sa3UU;sgns asotp PIE „s ;sgns snopzuzuH„ (i) :IZ uopoas sup ut pasn sy •saaurisgns snop.rezBH •iZ •OZ uopOas sup 3o sUOisinoId uopOU ant;oa1100 a3iE1 o; X ;inn ;zoddo puU aopou atp i3ST ;US o; p0Uraap aq mils gj uopoas o; ;Urnsmd zaM0lzog o; uaniff uopuJajaoou Jo aopou alp puu et uopoas o; ;UUnsznd 1amozzog o; uani� ORMO o; A;Tunuoddo puu uop1Za1aoo1 3o aopou aq1 •gdri5rnud sup 3o sasodznd zoj ajgraosua1 aq o; patuaap aq JJTM pouad aura; ;Utp `ua3i1; aq UUO not ;o1 uiuuaO azo;aq asdria Thum 1Oigm pouad amp r sapinoid MEI aiquoijddy 31 •uopor anj;OaIzoO 01u; 02 aopou IjOnS JO $utnP atp 1a ;3r pouad aigquosuaz r O;azag ,turd zagp ag, pap1o3 e puu tpraIq 1Ons 3O (si uopoas Jo s;UatuazmbaI am tpTM aODUgdtUOO ITT uanTff aopou bons IpTM) durd latpo atp pagpo1 suq 1apua-i zo 10MOZ1Og gons Emu ;ttatuIU ;stq r(;unoas sup `Jo uosuaI ,Cq pamo Amp iiu1 JO ;o uoisinozd /Cur pagouazq srg XCurd 1aupo ag1 ;Utp sa2ajj1 imp zo ;uatunz ;sai /C;unoas sup o; ;urnsznd suot;OU s,Iiuud zagio atp tuozu sasUU ;Utp (ssrio r Jo zagtuam atp zo ;uuffp1I jrnpTA!PUT uU zatpia sr) uop0U jutOtpnf iiur o; pautof aq JO 'UM' `00Uaurur00 Arm Iapua' JOU 1amo11og 1atp!ON •1aseipmd a;oN am iCq paptnOld asTMZaIpo ssajun zasugomd a;oN atp i(q pouiussu 3011 am puU (s)zaOTnzas UUOrj Iossa0Ons U o; paIIaJsau1; aq zo 1aotn1as UUO'i alp tp!M mutual TUUM 10M0110 o; suopr$ijgo &utotnzas uuoi aRrSuoW atp `a;oN atp Jo IasugOmd atn Uutp zatpo 1aotnzas uro-1 U Aq paOtnzas sr uro•i atp za;3ra1atp our pion si a;oN am 31 •5upinlas Jo IOJSUU1t Jo aopou u tptM uo1Oauuoo ui sa1inba1 ttR99NO 0866847 254 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: 0007688666 WYOMINGSIngIe Family Fannie Mae/Frddle Mae UNIFORM INSTRUMENT I.T. 3/00 Initials Initial rm 3051 3/99 (page 14 of 15 pages) MWYI4CV qSZ A3 IAMW (seed gL 10 g e5ed) eon isoc w,o (slellul) (sle!llul) iir lv 8uippai align,' (tvloN 00/E '1'1 1N3WfU1SNI Ivuo Nn oeW SIPPWAMIW eluuy —A Wed eI uJSONIWOAM 999899L000 :iegwnN ueo1 sandxa uo!SSILU[IIO3 SIN ewes ay; pa;noaxe Aey; /ays /ey ;ey; ew o; pe6p9IMow{oe App oynn ';uewnJ;sui enoqe ey; ;o (s)Jeu6is ey; ew eao;aq peasadde Apeuosied woe r o step _rap ey; up [wewBpe)MOUMod eun s)yj moles aoedg] 11IUH3W M ABVW PUB 11Iad3W 1 NVO N0131 3O A.LAIIlOD :ss OAIIBIOAAA 3O aiviS ai Ipinn paw= put 1amouog Aq painoaxa (s).lapTl'Cur ui put Iuaumslsul Xipnoas stgn ui pauit ;uoo sautuaneo put SUM am oa saoar put sadaoaw J MO110g `m0-ma ONItsIOIS AR &uiuroIIM Jo smti uopdutaxa ptalsauxoq alp 3o anUln .iq put upon map nu sanutm pure sastaial lamozzog •saaniem •tz 4tR99NO