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HomeMy WebLinkAbout867019Fog RELEASE OF This M ort gg ge SEE BbOX 01013689 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007688880 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 Jul y 14 2000 together with all Riders to this document. (B) "Borrower" is JAY KYLE RODBERG and JENNIFER L THOMAS RODBERG, 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 Un i t e d States of Amer I ca 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 J u 1 y 14 2000 The Note states that Borrower owes Lender One Hundred Seventy -Two Thousand and No /100 (U.S. 172 000.00 plus interest. Borrower has promised to pay this debt in Periodic Payments and to pay the debt in full not later than August 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. i d i u Space Above This Line For Recording Data] u 367019 11 WYOMING- Single Family Fannie Mee/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 MORTGAGE RECEIVED _iNCO'_..N COUNTy C E 00 JUL 17 PH 3: 21 yi KEMMERER, WYOMING BOOK 448 PR PAGE 61 Dollars regular Form 3051 3/99 (page 1 of 15 pages) MWY01cv (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 (II) "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. (1) "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 io 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 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider 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: 0007688880 W YOMINOSingle Fare y- -FannM Mao/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 0867019 61 Second Home Rider Other(s) [specify] orro 3051 3/99 (page 2 of 15 pages) MWYO2CV AQeOAMW (se6ed gl So 6 e6ed) ee/e esoe w+oA oo/e i•i 1N3vmusNI WU0 INn otW •PPud/SIW Mwed eleu,SDNIWOAM 088889L000JegwnN ueol •1ajsurJJ, spund otuo ioata (p) 10 ililua 10 `,ClijEluaumllsut `e(ouaBr imam E eCq pamsut a1E slisodap asogm uopnlpsui uE uodn umrip st raw lions /Cur paptnold Vaip s,laigsro 10 Yfoatto s,lalnsrau `>joa to 3jueq `Aoatto paijplao (o) `1apwo Aauout (q) `tpro (E) :lapuaj Aq wraps sE `suuo3 gutmojjoj atp jo alom 10 auo ui aprm aq mamma' ,C;pnoas sup pure aloes aim lapun anp sluau"iCed luanbasgns pr .to /CUE )rm aainbaz Aram lapua-I `piedun Jopuaj of paulnlal si luaunulsui Alpnoas sup xo atoll am xapun luamArd se xapua' Aq panraoal luatunllsut tail° 10 1102110 AIR 3i `1anaMOH •Aouaxrno •S• fI T"" open" aq jjegs luaurtulsul Alunoas sup pur aloN atp lapun anp sluamArd uopoas of lurnslnd small molosa 103 spunj Ard osjr legs 1aM0110g 'MOM alp 1spun anp saSxego awl puE saalrgo luatuArdald Atre puE a3oN ail ,Cq paouapina lgap am 'Ito 1salalut puE `3o Irdtoupd am anp uagm AEd jjEgs 1am011og •saH.iegO awl pug 'saaegO ;uatuArda td 'small Mo tasa ';saia ;ui 'jedpupad 3o ;uau"ded i :SMOjjo3 sE aax$E puE 1UEUan00 10717I pity 1aM011og •S,LNVNaAOO Y"RIOdINfl Auadold 1ea1 8ui1an00 luaumllsai ,(tunas uuoJiun a altupsUOO of uopoipsunf Aq snoprprn palituij tpim siuruanoo tulo;iun -uou pue asn IEUOpeu 103 sluruanoo uuo ;tun sauigmoo ,L1�IaIHf12IJ,SI�II A.LRIhDOaS SIHI -moo jo saouilqumoua ,Cur of loafgns `spurmap puE smut° IIE lsu!ESE Alladold alp of app aql ,CjjElaUaa pun ;ap Ilim pun sumurm 1am0110g 'wool jo saounlqumoua ioj ldaoxa `palaqu"nouaun st Auadoid am min pur Auadold atp Aanuoo pur Jura `a5r5uom 03 ;tjSu alp sEtj pur paAanuoo JCgazaq alE3sa alp 3o pastas ,CjjnjmEJ si 1aM0110 1E SINVAIaAOO 2IHMO211IOa „•Alladold„ alp sr luatunusul Allmon suit ui of pa11aJa1 st 5uto5alo3 ail 3o tty •luatutu3suI Tumours sup Xq palanoo aq osjE jjetjs suoilippE puE sluatuaorjdal II`d Auadoid all jo urd E 1a1Ealaq 10 m0u saln3xg puE `saouruaundde `sluatuasra HE pue `,Clladold alit uo par= lagealag 10 MOU sluamanoldtui alp pr H.LIAA 2IHH,LHOO1 AZ1sIf1OO L T 9 6T049NO ssalppy Auadold [1aa11s] [the] 9 Z l 8 Sulam/Cm L9l d0 1d0 NOSa313d £6'l [M!O] LOONS ;o ssalppu ail srq Apua.uno goitim 3 31003HOS 03HOV11V 33S [uoiloipspnr &uip1o30>j Jo N] [uopotpsunr Buiplooa21 jo adAy] N100NI1 J° ail ut palrooj Alladold paquosap &uimojjoj atp `airs jo Jamod tpiM `su2issr par slossaoons s,lapual pue lapua-I of Ranuoo pug luta `agrRuoul Agalaq 086701;9 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. 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Mo1OSg Aug J0; anp slunotue am `aprAed aJagM pug unit `Apoaiip AEd !ings J0M0n011 `JanteM gons JO liana am 111 •iupJJM ut aq /quo Aeai Jan!M gons Loan Number: 00 07688880 WYOMING-Single Family Fannie Mee/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials) (Initials) 4) 0- OS67013 6 2 0 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 Form 3051 3/99 (page 6 of 15 pages) MWY00CV A3LOAMw (se5ed 9l Jo L eyed) eas 1906 WJOA asnno aigquosnaz gous &tit Cgoads uopoadsat zoualut ue gons of zoud JO JO atuta alp 111 aotlou zamozzog oittg ip'tis zapua-i •XUadozd aql uo sluatuanozduit alp 3o zopaaut ail loadsai Arm zapua7 `asnno aig11uoseaz suit at 3i °Auadozd atp jo suoiloadsut pun uodn saulua aig11aoseaz a3leut dent aua211 Sp zo 1apuoi •uopnzolsaz JO ziedaz lions jo uopaidmoo alp 1O3 uopnaigo s,z0M0LIOg JO panariaz lou sr zamozzog `duadozd atp azolsaz JO ziedaz 0) luatogjns lou on spaaoozd uoputnuopuoo JO aou11znsut a p 3i •palaidtuoo st 3poM ail se sluautA11d ssaz2ozd jo sus nut zo luatuA11d aiffuts 11 ut uopnzolsaz pun sir dal am zoj spaaoozd aszngstp Amu zapurt •sasodznd gons zo; spaaoozd pasuotaz sat zapua -1 3t Aim AUadozd aril Wuuolsaz JO 8uutndaz zoj aigisuodsaz oq urns zaM01I0 `Auadozd alp `3o alp JO `01 a5nutRp gaits uotloauuoo ut pied azn spaaoozd uotanatuapuoo z0 aoueznsut 3i a811tunp JO uopnzoualap zatpznj Rohr 01 paSnarep 3t AUadozd am ziedaz Apduiozd iings zaMOJJOH `aigrs11aj Aii11otutouooa 3011 st uopnzolsaz z0 ziedaz 111gl S uopoas o1 auensznd paumualap st It ssaiun •uoptpuoo s lt o anp amen ut &utseazoap zo ffupezouaaap utozj ,tuadozd aq1 luanazd o1 zapzo ur iilzadozd atp urelureut urns 1 M0110 `iCU0do1d atp ut Rutpisaz st zamozzog 3011 zo za poem •,CUadozd am uo a3s11M lri1111100 JO 231zoualap o1 LClzadozd ail /hour a p zredtat z0 agntunp `Aozlsap 1ou HMIs 10mo11oa •suoi ;aadsuI :Svado.1.J aq; jo uoi;aa;ozd pun aauuua;uieN 'uoi ;11Ansa°td °L 10111100 s,zam0ztog puokq azn tiotgM lstxa sa0u111suin0zr0 &up11nuaaxa ssaiun JO `p(atitptM ,iignuos11azun aq aou ins luasaoo tioigM &upUM ur saaa11 as!MZatpo zapua -i ssaiun `Aouedn000 3o art) atp za1311 JeaA auo iseai 111 10j a0uaprsaz i11diouud s,1amozzog s11 Auadozd atp Adn000 of anupuo0 iintis pun auaumzasui iilun0as stip 3o uopn0axa atp 131311 sA11p A1xis utgatM aouapisaz i11dt0uud s,zam0zzog s11 ICUadozd ai1 asn pun `tisrig11lsa `Adn000 iings zamouog •/fauudnaa0 °9 •anp uatp 3011 zo zatpa1M luatuiulsai Rlunoas spit JO 0)0N aril zapun p!Bdun sllnotu11 Aed of 10 Auadozd agl azolsaz JO zindaz Ol zatiita spaaoozd aoueznsat agl asn (eat zapual •Auadozd atp jo a811zano0 atp 01 aigeotidd11 aze slq$u gons sr zejosur `filmdozd atp 8uuanoo satotiod aounznsut tin zapun (zaMOZZOg Aq prod sainttuazd patunaun jo pun;az /fu11 01 ittOp oq unip zappo) saq$u s,zam0zzog 3o zappo (Z) pun luatunzlsai 'Caunoas spp JO OWN aql zapun ptndun sl11noutn atp paaoxa Ol 1ou Amour 1111 ui spaaoozd aoueznsut kn 01 s1g2t= s,zamauog (i) 1apuaZ o1 sa8issn Agazaq zamozz0g `as!M1atpo zo zZ u0p0as zapun Aazadozd a p sazmbon zapua' 3t JO 1110A0 zaglta 111 •aant8 sr aopou OTT) uagM 100q II1M pouad Anp -p£ on" °utinio ail MPS pun MrpORmi iC11uI zapua-i uatp `tut11io 11 aplas o1 paza33o sun zatzzno aoumznsar all rip zapua-i man aopou n o1 s,C11p p£ unp1M puodsaz 1011 saop zamozzog 3i •szal;11at portaz pan wry a0titmsat aicrpuh11 Aug aplas pa11 al1pO2au `aig Real zapua-i `AUadozd atp saopungt; zamozzog n •z uopoas u zo3 paptn0zd zapzo alp ut patiddn aq iris spaaoozd aoueznsut tons °zamozzog 01 pred `tine 3t `ssa0xa aq1 qpM `anp uagl 1011 JO Japan/h. luoultuisui Alunoas snip A pa1noas stuns atp Ol patiddn oq urns spaaoozd aou11znsut alp `pauassai aq pinoM Alunoas s,zapurr JO aigisna3 Aii11ottuou0oa 1011 st zt1daz zo uopnzolsaz atp 3T '10m0110 3O uope8rigo otos aga oq pugs pue spaaoozd a0u1znsut atp jo 1110 pred aq 1011 urns zamozzog tiq pautmlaz `satu1d pzttp zaglo JO `szalsnfp11 oggnd zo3 soo •spaaoozd Irons uo s&t JO lsazalut t(un 1aMOZZOg Aid of paztnbaz oq 1011 pugs zapua-i `spaaoozd oratinsut lions uo pied aq o1 lsazalut sazmbaz Mn'i aig1otiddy zo &uppm 11t aprut 5! luautaaz8e 1111 ssaiun .palaiduioo 5! 3poM ail s11 sluaut1C11d ssalffozd jo sauas 11 in zo luautii1d aiffuts n 11t uopnzolsaz pun szr1daz aql zo3 spaaoozd aszngsip ,Cent zapua-i •tCpdmozd ua)i111zapUn oq iings uop0adsut gons leap papinozd `uoponjsp11s s,zapua-i Ol palaiduio0 uaaq sun 4z0M ail aznsua of ti)adozd lions a0adsut 01 Altunuoddo 1111 p11q sett zapuoi !pun spaaoozd aounznsat lions pioq 01 map am anvil urns zapzo i `pouad uopnzolsaz pun n11daz lions RuunQ •pauassai 3011 st /Clun0as s,zapua-i pus aigpsia3 tCii11ottu T29 GT0119R0 00/e '1'I 1N311IfINJ.BNI YIIIIOAINf OiIN NPP J /•1 IIUU NIW d BI®u!SONIVIOAM 099089L000 ueon 011003 st zredaz JO uopnzolsaz aia Loan Number: 0007688880 WYOMING-Single Family—Fannie Mae/FraddI. Mac UNIFORM INSTRUMENT I.T. 3/00 (Initials) (Initials) 08;'7019 622 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 3051 3/99 (page 8 of 15 pages) MWYO8CV AOOOAMW (se5ed 9L JO 6 °Bed) ee✓e tape WPM uiteTO a al ;aas o; pxeme ue apeui o; sza33o (aoualuas 1101.1 aga ut pup se) ,cued &isodd() atp ;etp xamoxxog o; xapuai Aq aopou xaawe 41 JO `JaMonog ,Cq pauopuege si AUadoxd a'ta ji •anp Imp axe stuns atp ;oU 10 =pawn ;uamnxmsui Aaunoas site i(q pamoas stuns atp o; paiidde aq prgs spaaooxd snoau1Tiaosgni am Tim uT tax ?e 2s1MxatpO xapua pue JOMOJzog SSOTun `amen uT SSOT JO `uoponi;sap `�upiea per;led atp aiojaq ATaaelpautui pampas suns am jo aunome atp arm ssaj si amen ui ssoi JO `uoponx ;sap `ffuwe; turned atp aiojaq i(Ta ;eipauiut Aaxadoxd alp 3o amen m.reu xre; atp tloimM 111 ,(uadoxd a'ta 3o amen uT ssoi xo `uopon.i ;sap `frame) Tepxed a 3o auana atp uT °xamoxxog o; pied aq pints aoueieq Auy •anoen uT ssoi JO `uorJotu ;sap 'ffuppu pn iii d am aiojaq ATaleipatum! i(uadoxd atp 3o amen aatixem .iie3 atp (q) Aq pap1nip amen ui ss0T JO `uor3onx ;sap luDie; IRTued atp aiopaq Aia ;eipatuut painOas sums am JO Tummy trim am (r) :uopoex; 2uimojjoj am Aq pa!ldpInm spaaooxd snoauRITaosrysi aq jo ;unouie am Aq paonpax aq puts mamma' Animas slip Rq pampas suns atp `dui ;uM ui aax8e asTMxagao Japua-T par a0MOZ1og ssaUun `amen uT ssoi xo `uopOnx ;sap upiea Iepied atp aiopaq AIarTpatuul aUamnxasUI ,i;unoas sup Aq pampas sums atp jo ;Unotue tip uetp xaleax$ JO 01 ienba st amen uT ssoi JO `uoT1onx ;sap `Bupie; Tepxed atp axopq ,ilaleipaunu1 ,CUadoxd all ;o amen ;a)ixeu xiej atp goniM ui Aaxadoxd a't1 3o amen ui ss°T JO `uoT;otu ;sap lupie; TBTued a JO ;uana atp uT •iamoziog o; pled 'Cu e 3T `ssaoxa am tpiM `anp amp lou JO zatpagM `;uaunusaJ Aaunoas sttp i(q pampas suns atp o; paijdde aq putts spaaooxd snoauziiaosi atp `Auadoxd am 3o amen uT ssoi JO `uoponx ;sap Tapir) ie ;o; a JO 3T10n0 atp ui •z uoi;oas aT x03 paranoid xapxo atp uT middy aq !tugs spaaooxd snoauRTTaosunt 'tons •xamoxxog o; pled `Cue 3t `ssaoxa am tram 'arm uatp ;ou JO xama1M ;uauni ;sus £;unoas sup Aq paxnoas stuns atp o; paiidde aq Tiegs spaaooxd snoauRJiaOS!JA atp `pauassat aq pinoM ;unoas s,xapurj JO aigtseaj iCfeoiuiouoOa toll ST .nedaa xo uoTae1o;sai atp 3I spaaooxd snoaueliaos1TnJ 'tons uo S UUUea xo ;sa1a;uT /Cue JOMOZaog iCed o; paxmbax aq 3011 Begs Japua-T `spaaoosd snoaue1iaos1lnN gons uo pied aq o; asaxaa1I saxmbax inn aigeoTTddd JO 5'11ptpM ui apem sT ;uauaax2e ue ssaUUn •paaaiduoo Si 3[IOM atp se s;uatuXed ssax$oxd jo sus a uT xo ;uauasxngsip atRuis a uT uol;e1O ;sax pue sxiedax 21 xoj pied AMU Japua-T ,ipdtuoxd ua3ieuapun aq putts uo!aoadsui gons asLp papinoxd `uopoRJspes s,xapun o; pa;aidmoo uaaq seq )IxoM atp amnia o; Auadoxd gons ;OadsUT o; A;TUnuoddo 115 putt seg Japan man spaaooxd snoauRTTaosm gons pTog o; ag8u at3 ane't iie'ts Japan `pouad uoT ;exo ;sax pue *dal gons $UptlQ •pauassaj tort sT A;Tmoas s,xapun pue 0jgiSea3 AITROTmouoOa ST 1pedax xo uopexo ;sax atp 3T `Aiiadoxd atp 3o xTedax JO UOlaexo ;sax o; patjdde aq Bets spaaooxd snoaueiiaospni gons `pa8emep Si Alxadoxd atp 3I •Japan o; pled act Iletis par o; pauffTsse ,(gaxag an spaaoosd snoaueiiaosii^I 'Ty •a nitaJaog tspaaaoad snoaueiiaosy%i Jo 2uatuu2issV •TT •a ;oN atp ui papinoxd 01e1 atp 35 Isamu! Aed o; uoi;e2iigo s s;oajje pi uotaoas sup ui SuitpoN •Me1T aigeo 'tddy paxinbax st uor3RUTmxai TT1un JO uopeuntua; gons 303 ffUTpinoxd Joplin pus xamoxxog uaoMaaq ;uauaa1Se ua;;TUM Cue tram aouepx000e uT spua aOUemsUi a5r5noy%i x03 ;uauiaxinbai s,xapun atp plan `anxasax ssoi aigepunJax -uou a apinoxd 01 JO `;01331 ut a0UeinsUT affeguoint ute;u!eu o; paxmbax smniuxaxd atp /Cud togs xamoxxog `aouexnsuI a5e2noint x03 smmmaid am pxemol sluauiAed paaeaffTsap Apirxedas a3iem o; paxmbax sem JOMOxxog pue ueo-T asp &ul ai 3o uot;lpuo0 a se 00Uemsui a8e81xojni paxmbax xapU 3T -a0Uexnsul affeffuoJSI x03 suimmaxd tip pxemo; sluam)Ced pa ;euttsap icialexedas saxinbai xapua pus `pauisigo sI `aigeiiene sawooaq uieffe xapuaZ Aq pa;oaias xaxnsUt ue iiq paranoid (saxmbax Japua-i Isip pouad atp x03 pue 7unoue 01p UT) 22ex0n00 00UemsUi aRe2uoint 3T sluauaed anxasax ssoi axmbax xa8uoi ou 1E0 xapua -i C 9 GI01,,9S0 IN�I) (ele; uI) 00/B '1'1 1N]WntinNI raioae f 31W NP maosow «1111.- -AflUN eI otawOAm 0888 :)egwn ueo1 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: 0007688880 WYOMING-Single Family—Fannie Maa/FreddI. Mae UNIFORM INSTRUMENT I.T. 3/00 nftals Initial 086 624 orm 3051 3/99 (page 10 of 15 pages) MWYIOCV AOIIAMW (seBed 9L /O it e8ed) 6e/6 1.906 Z9 00/£ '1'i M1 P(flH18N1 V OdINO •IPP•WW1 e!UU I kwed 8I84SONIWOAM 088889L000:JequanN ueo-3 •3uaum13sUI Altman sup Jo purr a30N 0111 Jo /CdOO 0U0 uanjs aq 'pm 12mo11o11 •,fdoD s�. 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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 orm 3051 3/99 (page 12 of 15 pages) MWY12CV A3CIAMw (soBed 9L 10 Et °Bed) me 160E UM relaul 8 1e1Aul 1, 7, 9 GTOL9NO 00/£ '1'1 J1131MU.SNI PnlOdINf, eewl •IPP•+d/S *PI MUed II!wu eiO4SJNIWOAM 088889L000 AegwnN UBO1 •dnueaj3 o1uatuuoz!nug uE zoj zapua'j uo uopESi[go /Cur a3Eaz3 jogs uiazaq SunpoN •ME'4 PErauuzo1inug tgyik aou1pzo33E 114 saoi3oe o!pamaz £L SSaoau j1E 034113 Xldtuozd jogs zaMOZZOg `i(z11ssaoau s4 Auadozd am Rupoajje aouE3Sgns snopiiz j-j AuE jo uopripauiaz z01110 JO iEnouraz /CUE jE[p 'Sued aJEnud puE JO `Mnuoipne /103ejn$az z0 jEjuaunUanoS Iu1 pa4j13ou si zo 'mural zaMOZZOg jj •AUadozd atp jo anon all S33ajj11 Ajaszanpe IpnjM aou13sgns Snop1Uztm E jo asEapz JO asn `a3uasazd am Aq pasn.EO uoi;ipuo3 AuE puE `aoue3Sgns Snop1KLEH i(ui jO aseajaz j0 1Eazip z0 aSEaja1 `a$1E143sip `Suplraj `Rupjids Niue `03 pantutj iou 3nq Suipnpui `uompuoj Wrauiuozinug AuE (Z) 'a$pa4Mou34 rum sEij zaAlonog Typist jo ME-4 oivaatuozinug JO 001IFISWIS snoprzrH Any pun Ajzadozd all Su4Ajonut ,Curd a311nud JO hUa$E i(z03Ejn$az JO o3ualutuano2 ,CUE za110 JO unmet `puiluap `tutej3 `U01111 3sanu4 RuE (j) JO 23i10U T1 11UM zapua'j AT Apdtuozd 4411446 zaMOZZOg (sionpozd zatunsuoo 114 saou113sgns snop1EZE14 `o3 pa34unj iou )nq `Su4pnjoui) Auadozd at1 jo aoU1 Ua1utEW 03 puE sash ot1uap!saz oaizou o3 a3Eudozdde aq o; pazrn ooaz AjozauaS azE 111440 Sao11113SgnS snop1Ez1H jo sappuEnb jotus jo i uadozd alp uo a5E103s z0 `asn `a3uasazd am o3 Ajdde aou i114s samaras OM) Su!pa0azd 0ijj •,Cuadozd all JO anon 0143 sa3a33E Apszanp1 Sep uoi31pu03 r saran `aoue1sgns S110p1EZEjj 11 j0 amp.' 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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. WYOMING-Single Famfy-- Fannlo Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initial 0Sb O19 628 orm 3051 3/99 (page 14 of 15 pages) MWY14CV AO9LAMW (se8ed gt so 93 e8ed) ewe iioe W,o 6Z9 ooI '1'I 1N3WfI11SNI roloa Nn eeW NPpud&SW eryuew- -/1fwej eIOu!S-DNIWOAM 088889L000peownN ueol salidxa uotsstu woo AI ewes eyi peinoexe Aeyueys /ey ieyi ew of peepelmours Amp oqM 'iuewnJisui enoge NI io (s)iou6is eyi 9H39008 SVW0H1 1 H3iINN3r Pue 0113900H 31AM Avr ow eio ;eq pe Allouosied WOG 'a'v io yep ulI7 1 eui u0 fIO�9WO [iuew6peiMow oy 10; eon slgj Mole8 eosdSi N 0131 JO AZNI1O3 :ss ONIBIOAM 3O H VJ S 9113800H- SVW0H1 1 9113X 3� •it Ip M paw= pue J MOITOg paanoaxa (s)lapu Cu e TIT pue iuomtuasuj Saunas snp ut pautmoo siueaanoo pue suuai alp 01 Path put SPdaooe 1amollog `ma OAIIAijOIS Ag •BunuoICM jo smei uopduiaxa peaasatuoq aip jo anizin Aq par iopun siq$u iie santem pue sasuaiaa aamo,uog •saaAiBM •IZ •buTuUTbaq go 4uTod aq4 04 4a T£'L9 go aoue4sTp a M►,Tt',99000N aouauq !4a83 LL'98T go eouegsTp a aUTT aaquao pies buoTR 21110t,8T08SN aouauq !gaag ZZ'OT9 go aouegsTp e auTT aaquao pTes buoTe 3o00,t0o98N a0u9t44 !9L9 abed qe Ed 66T spaaa go xoog uT pepaooaa sT gegq quautasea AeMpeoa a go autT go aaquao auq oq 4aa3 00'TOZ 3o aouegsTp o Taoaed pTes go Aaepunoq ATaagsea agq buoTe a,OO,OZoZOS aouauq !SZ abed qe '2id 8TT 'spaao go xoog uT papaooaa Taoaed se oq paaaagea pueT go Taoaed a go aeuaoo gseaggaou auq oq 4aa3 9L'''LL go aouegsTp a M►,00,6Z068S aouagq !Z£ uoT4oag pTes go aauaoo 9T /TMS agq buTquasaadaa quatunuouu deo sseaq a qe buTuuTbeg :sIoTTog se pagTaosap ATaeTnoTgaed a1out buTaq Teoaed pTeS 'buTuzoAM 'A4uno3 uToouTZ 'ueTpTaaN TedTouTad ti4xTS auq go gseM 8TT abueg 'u41ON T£ dtusuMoy 'Z£ uoTgoaS go /TMS 't /TMs agq go uoTgaod a uT pageooT pueT go Taoaed V u C9 „y„ II WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN:HEATHER 143 PETERSON CRT CR 157, SMOOT, WY 83126 SECOND HOME RIDER [Property Address] 0867019 631 THIS SECOND HOME RIDER is made this 14th day of July, 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," whether there are one or more persons undersigned) 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 (the "Property which is located at: In addition to the covenants and agreements made in this Security Instrument, Borrower and Lender further covenant and agree that Section 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 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 second home. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. LOAN NO: 0007688880 '_oa -eA (Seal) JAY KYLE RODBERG Borrower 140 _.tJi IFER L TIMAS- RODBERG (Seal) Borrower (Seal) Borrower (Seal) Borrower MULTISTATE SECOND HOME RIDER Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FORM 3890 3/99 I.T. 10/99 (page 1 of 1 pages) RMS1SEC