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HomeComings Financial Network, Inc.
One Meridian Crossing, Ste. 100
Minneapolis, MN 55423
Loan Number: 041- 200265 -1
Prepared By: HomeComings Financial Network
14850 Quorum Drive, Suite 450
Dallas, TX 75240
DEFINITIONS
(A) "Security Instrument" means this document, which is dated JULY 7TH, 200 0
together with all Riders to this document.
(B) "Borrower" is
STEVEN CRAIG FIRTH, A SINGLE MAN
WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT WITH MERS
MFWY7770 (04/00) 041 200265 1
6A(WY) (99o5)
Page 1 of 15 initials:
VMP MORTGAGE FORMS -1500)521-7291
866959
[Space Above This Line For Recording Data]
MORTGAGE
RECEIVED
w t, I T i=
00 JUL 12 FN 3: (C1
JEANNE f f
KEMMERER, WYOMING
BOOK 4 48PR PAGE 4 7
MIN 100062604120026515
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.
Borrower is the mortgagor under this Security Instrument.
(C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and assigns MERS is the mortgagee
under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an
address and telephone of P.O. Box 2026, Flint, MI 48501 -2026, tel. (888) 679 -MERS.
11
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Form 3051 3/99
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0866959
(Q) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the 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 Instrumentand the Note. For this purpose, Borrower does hereby mortgage, grant and convey
to MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors
and assigns of MERS, with power of sale, the following described property located
in the COUNTY of LINCOLN
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
THAT PART OF THE SW1 /4SW1 /4 OF SECTION 2, T31N R119W OF THE 6TH P.M.,
LINCOLN COUNTY, WYOMING DESCRIBED AS FOLLOWS: BEGINNING AT THE
SOUTHWEST CORNER OF SAID SECTION 2 AND RUNNING THENCE EAST 26.67 RODS;
THENCE NORTH 60 RODS;THENCE WEST 8.89 RODS; THENCE SOUTH 45 RODS;
THENCE WEST 17.78 RODS; THENCE SOUTH 15 RODS TO THE POINT OF
BEGINNING.
Parcel ID Number: 1231190230008800 which currently has the address of
2076 STATE HIGHWAY 236 [Street]
AFTON [City] Wyoming 83110 [Zip Code]
("Property Address
TOGETHER WITH all the improvements now or hereafter erected on the property, and all
easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and
additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this
Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal title
to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or
custom, MERS (as nominee for Lender and Lender's successors and assigns) has the right: to exercise any
or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to
take any action required of Lender including, but not limited to, releasing and canceling this Security
Instrument.
BORROWERCOVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for
encumbrancesof record. Borrower warrants and will defend generally the title to the Property against all
claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
property.
MFWY7770 (04/00) 041- 200265 -1
6AIWY) moos)
Page 3 of 15
Initials:
Form 3051 3/99
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sumo= 2uiursniai Amy anp auieoaq 1! sor1(M Ur J01110 au] m 1UaUJAed orpouad Ioea of middy aq pegs
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spunj sons `iogn a pagddR fou jj •JOMOJOg 01 wo um= Jo spunj Ions Ajdde Ja5iia pegs Japua'j `quip
jo pouadaigvuosRa1 a ui1(mM os op fou sanp JaMOZJOg jj Tramp ueorj alp 2uuq of (s)1uaw, d so w
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MPWY7770 (04/00) 041- 200265 -1
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due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires,
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.
Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to
be a covenant and agreementcontainedin this Security Instrument, as the phrase "covenant and agreement"
is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and
Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9
and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such
amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in
accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in
such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (1) sufficient to permit Lender to
apply the Funds at the time specified under RESPA and (2) not to exceed the maximum amount a lender
can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable
Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in
any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the
Funds and Applicable Law permits Lender to make such a charge. Unless an agreementis made in writing
or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower
any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds as required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in accordancewith RESPA. If there is a shortage of Funds held in escrow,
as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than
twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA,
Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount
necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly
payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
to Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To
the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower: (a) agrees in writing to the payment of the obligation securedby the lien in a manner acceptable
to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith
by, or defends against enforcementof the lien in, legal proceedings which in Lender's opinion operate to
prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings
are concluded; or (c) secures from the holder of the lien an agreementsatisfactory 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
Page 5 of 16
0S(i(i959
481
Form 3051 3/99
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jem0110l pue so pljod aqi pio11 11121 atp aneg iivtts zapua- •aaAed ssoi ieuog1ppu ue sezo /pue aa11S4louu
se zapua- aureu netts pue `astmp a r21.10u1 pzepuejs v apnpur pegs `saipriod 11pns gnozddesrp of iglu
s,zapua- of Ipafgns aq hugs saipgod t prts jo stemma.' pug zapua- Sq pannbaz sarpljod apuvinsut iiFL
•luauufed 2upsanbal laMOlzog OI zapua
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isazaiut mac' jjetjs siunoule asap i, •luatunz)sui diunpas sup Aq pampas zamozlog jo igap jeuopippe autopaq
netts S uorpas sup zapun zapua- Aq paszngsip slunotue ,iuy •paulp)go aA Tj moo .t Mozzog 411114 ap11eznsur
JO )sop 011) paapxa 1ipuvpgiais )g2pu p0urp)go os aezano3 aOuvznsur agI 30 )sop ail) 4011) sapajmounpe
zgmolzog -paja 11 kisnoinazd sem amp a usanop zassaj JO zalea x2 apinold )g2tur pue A11ipgv!i JO pzvzeq
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oaupznsur upe)go Amu zapua- `anogv pagizpsap S02EJOA03 ail) 3O Aue utv)ur11tu o) site; JOMOZZOg 3I
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?RP
669980
Nose) (AM)tl9
T (00 /b0) OLLLAMLIPI
MFWY7770 (04/00) 041 200265 -1
6A(WY) mos)
Page 7 of 16
0 (i(i959 4 8
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 Instrumentand 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
condemnationproceeds 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 disburseproceedsfor the repairs and restorationin a single payment or in a series of
progress payments as the work is completed. If the insurance or condemnationproceeds 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
reasonablecause, 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.
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 inaccurateinformation or statementsto Lender
(or failed to provide Lender with material information) in connection with the Loan. Material
representationsinclude, 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 agreementscontainedin this Security Instrument, (2) there
is a legal proceeding that might significantly affect Lender's interest in the Property and /orrights under
this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnationor 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 /orassessing the value of the Property, and securing and /orrepairing
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
Initials:
Form 3061 3/99
66/£ L50£ waoj
j 1----
aIei1M
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(5066) (Am)vg
T O (00 /17O) OLLLA/MYI
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tons uo pied aq op 1sazapul sa unbaz me-i aige0liddy JO 11r1l1m 111 apeul slpuaiva012e ue ssaiun •papaidluoo
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gip ro3 'Cud Diem zapua -i •Aildu1oldumlzapun aq nets uoipadsut tons Iggp papinozd `uopaejspes s,lapuo'
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s,lapual all 'pun `anzasal ssoi algepunJaz -uou g apTnozd op JO 'MHO ut a0ueznsui ae21z01N uueluleuu
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a2e211oyAipaltnbazlapuai 3I •aoueznsui 02e2izoj, zojsttnnuazd alp 1 11 M03 spuauuiedpalgu2Isap
sazlnbal zapua? pue `paulepgo s1 `aiggitene saucing ulae zapua' papaps 101115111 1111 Sq papinozd
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48E,
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 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 securedby 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
accelerationhas 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 attributableto 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 amortizationof the sums securedby this Security Instrumentgrantedby Lender
to Borrower or any Successor in Interest of Borrower shall not operateto release the liability of Borrower
or any Successors in Interest of Borrower. Lender shall not be required to commenceproceedings against
any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify
amortizationof the sums securedby this Security Instrumentby reason of any demandmadeby the original
Borrower or any Successors in Interest of Borrower. Any forbearanceby 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 amountsless 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
MFWY7770 (04/00) 041 200265 -1
(0- 6A(WY) (9905)
Page 9 of 15
Initials:
Form 3051 3/99
66/£ 1.90£ Wiod
6 ;994 0
5l °OLG
It :eqemui
Ism) (AM)V9 Cip
T 59Z00Z (00 /0o) OLLLAm3W
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jo suopeaiiuij pug sauauia.iinba.i ,(u5 o1 pafgns axe ivauin.iisui ,(Jonas spgl ui paumuoo suoi qqo
pug sltr5px Try •p31130T sT ,ilxadoxd alp g3T11M ui uoppipsixnf nip jo mei gip pm mei jexapaj £q pauxanog
aq jpgs luauini suj Sipxnaas sNJ, •uolianalsuoD jo sajng :,f)ijtgeaanas :ng- Su►uaanof •9i
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MFWY7770 (04/00) 041- 200265 -1
6A(WY) (9905)
Page 11 of 15
Initials:
0866959
9
487
Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be
given effect without the conflicting provision.
As used in this Security Instrument: (1) words of the masculine gender shall mean and include
corresponding neuter words or words of the feminine gender, (2) words in the singular shall mean and
include the plural and vice versa, and (3) the word "may" gives sole discretion without any obligation to
take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
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 transferredin 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 Interestin 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
Instrumentand the Note as if no accelerationhad 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 reinstatementsums 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 reinstatementby Borrower, this Security Instrumentand 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 m
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 unrelatedto 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
Form 3051 3/99
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NON UNIFORMCOVENANTS. 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.
24. Waivers. Borrower releases and waives all rights under and by virtue of the homestead
exemption laws of Wyoming.
MFWY7770 (04/00) 041- 200265 -1
E2)- 6A(WY) t99o5I
Page 13 of 15
086'6959 59 4 8 C:
Form 3051 3/99
66/£ L90£ WJad
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STATE OF WYOMING, Lincoln County ss:
The foregoing instrument was acknowledged before me this 7 At
by
STEVEN CRAIG FIRTH, A SINGLE MAN
My Commission Expires: 2 -49) 25
ARYPUI UC
Stated
Mhai
18 2003
Una h
L My Commission Expires
MFWY7770 (04/00) 041 200265 -1
CD- 6A(WY) (99051
Page 15 of 15
Ini
2000
Form 3051 3/99