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HomeMy WebLinkAbout867060}oeJeq; mid mow° eq; uo peglaosep se `BulwoAM'A ;unoo uloaull b6 ;eld g ielleA Je ;S ag; io 191 :WuiwoXM `Atunop ulooull u► mum! Xpadoad pagTJosop SulMollo3 aft `ales jo JaAod g2TM `iapuol aq; o; ,Canuoo pun tuna `oSapOw ,CgaJaq sop J0Moi1oH `asodlnd Tit Jod •a;oN aql pun ;uawnJ ;sul Sttinoas SIq] Japun s;uawaaan pun s;ueuanoo s,JaMoJJog jo aouuwio3Jad aqa (o) pun `tuawnijsul iC;iJnoas silt 30 iC ;TJnoas aqt toa;oJd o] L gdBJ9eJnd Japun paounnpu Isamu! gtIM `suns Jail ;o lie jo luawiCnd alp (q) `atoN ato jo suoitnogipotu pun suoisuapm 'slnMauaJ Hu pun `1saiatui g3IM `aloM aqa Cq paouapina tgap aqt jo 3uaui(ndai ow! (u) :Japua-I o� saanoas }uaun11sul Alpnoas sm 0£OZ 6 ;sn6ny uo oiquAud pun anp 'lailwn° ptnd iou 31 `igap lin; agp tmM 'sivaw/Ced ,Clgluotu Joj sap[noad golgM „atoM tuatuniisuj X2IJnooS sup se arp owns alp patep atou 8,10M0J1Og ,Cq paouap!na si agap stgd, 00'009`bs6 •sii) sJnjIou S1Ns3 oJaz pue 3O tuns Indiouud aqp Japuoi sumo JaMoiJog opus al 11111 4 3 1e)1 6£Z£ XOs 'O 'd s! ssaJppe asogM pun ,t���ff Jo sMnl alp Japun 2upspco pun pazluaJO si gor4M S21ylloa paapunH1L16! puesno4l Jnod pGJpunH eup „Japun l -uot4. JeJJe9- Qysppue.uol ;eiodJoa (Nepl ue `ogepl ;o dues ;sJld 0; uani5 s! tuaunJ3sul ,C;IJnoaS stq MoLJOg E60179 lfl `/(puss euel pooMBupdS L6£6 s' ssaappn asogM rguA V pzsuoaz sxe `e4IM pue puegsnH IBeAoy y eIOIJ;ed pue i6edoy 1 paeuoal sI 000Z'96 dInr uo uana si „luaunJ2sul i(1►Jnoos gJvoniolAI sIH1. Jo5eda.Tow aqd, 3DVd Na ')IO011 oar ll A ,JI „I r� ;vra Sri a9V91MOI%J a�ei�iul L 4 1. °Bed 66f1. 1.5OCVVJN #1d1 959E (008) 'out sulio aasei 06/6 1.50£ wJOj luewnJ;su] wio ;lug aeyyalppaad /aei leluued ,giwed 016u!S DNIINOAM [era Buipiooaa aun situ anogy aoeds] 1,10 tfOrz 9617£9ZL/0£L£60066 ON ueol s'39tl918611 13 (7 f7 1008 33S 40 *01 which has the address of 241 Vista West Drive, Thayne [Street] [City] Wyoming 83127- "Property Address [Zip Code] 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 COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of 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. UNIFORM COVENANTS Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. 2601 et seg. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may 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 such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may 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. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may 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, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender WYOMING Single Family FannieMae /FreddieMac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (BOO) 446 -3555 LFI #FNMA3051 1/99 Page2 of 7 Initials: pm. 0867060 "1 5 t. k! 3ingkap u! aq osle Hugs aaMOaaog •lsaaalu! Ai !anoos s,aapuaZ to luawna3sul Alunoas sigi Aq palga=O uay ay3 jo 3uawa!edwt leualew aaglo ao A3aadoad alp u! lsaaa1u! s,aaMoaaog ow jo aan1takaok sapnioaad `uonyu!tuaa3ap gl!gk pooh s,aapua' ui `1yg3 Sulina u q IM passtwsip aq of 2wpaaooad JO uollog ay1 Ru!snyo Aq `81 gdgagagd u! papinoad se `alelstgaa pug linekap g yons awn Amu .I MOaaog •3saaa3U! 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Uail ay3 Aq paan0as uo!3a!lgo alp jo 3Uawked 041 01 Sul2l1M ui saaae (g) :aaMoa1Og ssalun luawna3sul AlunOas s!yl aano Aluoiad sett y014M Uay Aug a;lagyostp Al3dwoad Bugs aaMOaaog •sluawkud ow 2ulouappto sld!0001 aapuaZ 01 gs!Uank ,illdwoad gals aaMOaa0g `Al2Oaalp s3UaWAgd maw sa)lgw 10MOaaog kl •gdgaOgagd sig3 aapun pted aq o3 wino= jo sa0!10u llg aapua-I 01 ttswank Aildw0ad Iigys a0M0110g •3uawAed p0M0 uosaad ay1 03 Alloaa!p awl uo w041 Agd imp 10M011Og `aauugw Jew ui pied 20U k! ao `z gdgaggagd ut papinoad aauugw ay3 u! suotlallg0 asay3 Aud imp aaMOaaog •Aug k! `s3U01 punoa3 to s3Uatuhd ployasgal pug luawna3sul A3un0as Slg3 aano Aluo!ad u!g31g Agw y0!IM A3aadoad att3 0l alquinqunB suOl2lsodw! pug smug `sa ngo `sluawssassu `saxgl Iii iced !lugs aaMO110 •suaf !saney3 •f •a3oM ow aapun anp saJae40 awl Aug 01 'wet pug :anp Igd!oupd 01 Vito; `anp 3saaalu! 03 `pa!y1 `z yde1Reagd aapun alquhd s3Unowg o3 `puo0as taloN alp aapun anp Sanyo wow/Cydaad Aug of 'wig :paliddu aq digs z pug I sydgiSgaed aapun 1, 0 O :sleiiul L ;o £eBed 66n. r9osei4N #Id1 9M 'ouI swJo aasei 06/6 650£ Wand Iuewna3sui uuo ;iun ae1Ne!ppeJ ueevIe!uued �tIiwed 91611 S ONIWOAM 086'706o 76 the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. 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. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, 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 approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before'the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the 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 condemnor offers to make an award or 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 proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment WYOMING Single Family FannieMae /Freddie Mac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3051 1/99 Page4 of 7 Initials: slap. `loMOaaog ,Cq 3uau1a3e3suta.i uodn •paSuegoun anuquoo pegs 3uauini sul ,C3unoas sig3 ,(q pamoas sums alp ,Cud o3 uogatpgo s .iog pue ,ipaadoad alp Ut s2qpu s,aapua-I `3uaum.l2sul ,(ptmoas Srrll Jo uali agp Imp aansse o3 aitnba.i ,Cigeuoseaa ,(mw aapua-I se uot1oe gons sale3 (p) pue :saaj ,s,cauao;;t aigeuosea.t `03 pa2twtl Sou Inc! `Vutpniout `3uatun12sul ,Cptanoas sig3 SutoioJua ut paaanout sasuadxa iim s,Cmd (o) :spuawaaam a0 S3umuanoO .rag3o Alm jo pinepap ,(um samo (q) `pai.in000 peg uog iaiaooe ou 3t se aloN alp pus Iuawnapsuj X3t.1noas slip aapun anp aq pinoM uag3 gotgM sums Hu .iapua-I s,ced (e) :aaMoaaog Imp aae suompuoo asouj •3uawn4sul ,c1tmoas sp.') 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Lit aossaoons Sim 3sutm5e auipaaooad aouawwoo 02 paainbaa aq 3ou pugs aapua-I •3Sa.Ia1ut ui sJOssaoons s,aaMOa1Og ao aaMOaaog ieut2iao alp 30 ,(3iitgzil aq3 asmaiaa o3 a3eaado 3ou 'legs aaMOaaog 3o 2sa.ia3u1 Lit aossaoons (ue 02 aapaai ,(q pa1uea`d 3uawna1sul r(Iunoas Stl3 ,(q pamoas scans alp 3o uot3zzt3aowe Jo uot1eogtpow a0 :slel ;lul L ;o 9e6ed 66n 1.9o£vIJNA #id1 995E (OOB) 'out mod lase 06/6 ISOC wand ;Lieu nJIsul uuo;lun aeyyalppaad /aeVde!UUed ,tllwed 916ulg D•IINOAM 090L9€0 WYOMING Single Family FannieMae /FreddieMac Uniform Instrument Form 3051 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3051 1/99 Page6 of 7 Initials: 086'7060 76 Security Instrument and the 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 paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also may 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 in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON UNIFORM COVENANTS Borrower and Lender further covenant and agree as follows: 21. 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 paragraph 17 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 paragraph 21, 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 paragraph 14. 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. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtesy and dower in the Property. 8ulurofM to etu3S o41gnd kai°N '1'7" V uoriss Iies_ d Al 000Z 'AMP a au lo 3 J8M0JJOg- (l JeMOJJOg- (i JaMOJJOe- (i JBMOJJ0e- (I taplg awoH puooas 0 .tapm ;uawICed J(ppaMtg tap 1 /C 9 •i •s Psi ©oog 'k nr A,97 spit; au amojaq pakermotope sUR quamulsur Eitrycfaxg 0'010 [luawBpeiMouHoy Jod euFI sigl Moleg eoedg] !BeAoy •y e!o!J ;ed !6eAoy 1 pteuo L 3 L a 6d taplg luawanotdwl apex n Jam puawdoianaQ plun pauueid N lam wn!urwopuo0 'Tees Lewi33D Pee Psi SEENTM4 birwribt 3a was /ev 72/0 -I to? �J AFI -I T s TErrarago pue PSI Au SMNI.IM Ppe s 714 quaaccuistrr3aiL 000Z 'Amp 3o Lisp 7 srm. 3oasag AjeAT pus uoranoexe anp at;} ssamrM •ss &guava 303s sassaup'M pt q ;lnn palm= pue tannottog JCq papnoaxa (s)tapp Aug u! pue;uauzntusui JCpltnoos sup ur pau[epuoo s ;ueuanoo pue swtap alp o1 saeas pue s;daoos tannottog `MO'Igg OIsIINOIS Ag [JC3toads] (s)taq ;O Q taplg uooiieg taplg luaulArd papenpetD tapm owl; aigepsnfpy E [(sa)xoq a!geolidde xoagj] ivawnt;su! JC;ltnoas siq}3o >ted a ataM (s)tapu atop se puatuntpsul Allmon sup 3o spuawaaJBe pue spueuanoo alp puawaiddns pue pumas !legs pue our! paletodtoou! aq gags tape Bons goes 3o spuawaaiBe pue spueuanoo alp `puawn4sul ,Cpunoos slgl gllnn tagpaBop paptooat pue tannottog ,Cq papnoaxa ate staplt atotu .10 Quo 3I ;aawnJ;sai ,C;lanaas slq; o; staplg PREPARED BY: First Mortgage, A Loan Production Office PO Box 12860 Jackson, WY 83002 Parcel Tax ID 12- 3518- 31 -2 -02- 054.00 0867060 SECOND HOME RIDER WHEN RECORDED MAIL TO: Loan No: 190013730/7263418 76 THIS SECOND HOME RIDER is made on 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 Bank of Idaho, an Idaho Corporation (the "Lender of the same date and covering the property described in the Security Instrument (the "Property which is located at: 241 Vista West Drive Thayne, WY 83127 [Property Address] In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that Uniform Covenant 6 of the Security Instrument is deleted and is replaced by the following: 6. Occupancy and Use; Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. 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. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to MULTISTATESECONDHOME RIDER Single Family FreddieMac UNIFORM INSTRUMENT Form 3890 9/90 Laser Forms Inc. (B00) 446 -3555 LFI #FMAC3890 8/98 Page1 of 2 Initials: i9MOJJOB- (taas) Z ;o Z abed 96/8 06980Vwd# Id1 9999-9i:1(m) 'oui swjod Jase� 06/6 068£ mod 1N3Wf1211SNI W21O IINl o BIN PP Jd itliwed 916u!S -tam 3WOHaNOa3S31ViSlllflW JBMOJJOQ- JeMOJJO9- Japmg awoH puooas s►ql u[ pauigluoo suo►srnoid pug swaal agl of saaag pug sldaoou .zaMo.uog `moiau DNINDIS Ag •durpraM ur JaSiaw agp of saaiSr .capuaJ ssalun aSlaw lou Hulls aaj aql pug plogasuai agl `/Claadoid alp of mill aaj sa.unbog ia&onog 3I •asuaj alp jo suo►srnoad at p He quM Aldwoo hugs JaMO1JOg `plogasgal g uo s! luawn.zlsul ,Cliinoas s!qp 3I 'awog puooas g su ,Claadoid agl jo asn pug Aougdn000 s,laM0.110g Suru.raouoo suoilgivasaidai `ol paltw[I lou inq Turpnput `atom alp /Cq paouapina uuol a43 iPM uogoauuoo w (uorpgwaoJur lupalgw 'iuu qp►M Japua1 apinold )9d, 0904 x' 0 e Loan No: 190013730/7263418 [Space Above This Line For Recording Data] PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made this 18th 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 to secure Borrower's Note to First Bank of Idaho, an Idaho Corporation an Idaho Corporation (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 241 Vista West Drive, Thayne, WY 83127 [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in Covenants, Conditions and Restrictions (the "Declaration The Property is a part of a planned unit development known as Star Valley Ranch [Name of Planned Unit Development] (the "PUD The Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners Association and the uses, benefits and proceeds of Borrower's interest. PUD Covenants. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's Constituent Documents. The "Constituent Documents" are the: (i) Declaration; (ii) articles of incorporation, trust instrument or any equivalent document which creates the Owners Association; and (iii) any by -laws or other rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. B. Hazard Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts, for the periods, and against the hazards Lender requires, including fire and hazards included within the term "extended coverage then: (i) Lender waives the provision in Uniform Covenant 2 for the monthly payment to Lender of the yearly premium installments for hazard insurance on the Property; and (ii) Borrower's obligation under Uniform Covenant 5 to maintain hazard insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. MULTISTATE PUD RIDER- Single Family FannieMae /Freddie Mac UNIFORM INSTRUMENT Form 3150 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3150 1199 Page 1 of 2 Initials: 0860060 76', Borrower shall give Lender prompt notice of any lapse in required hazard insurance coverage provided by the master or blanket policy. In the event of a distribution of hazard insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, with any excess paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Uniform Covenant 10. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the "Constituent Documents" if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this PUD Rider. and T. Aoyagi Patricia A. Aoyagi MULTISTATE PUD RIDER- Single Family FannieMae /FreddieMac UNIFORM INSTRUMENT Form 3150 9/90 Laser Forms Inc. (800) 446 -3555 LFI #FNMA3150 1/99 Page 2 of 2 .Q 7 6 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower