HomeMy WebLinkAbout8663299 JO L 3OVd l L06-6)1.90E /L6ti0 /AMl4W0 /OSI
06/6 LB06 WUOd. 1N311Md1SNI V OdINf OWIHd/VWNd AlIWVd 31DNIS--DNIWOAM
•piooei ;o seoueigwnoue
ALM o;;oefgns `spuewep pue swle[o lie;sule6e RpedoJd ay; o; ei ;l; ey; J(ll8Jeue6 pue;ep II!M pue s;UaJJaM JeMOJJOe
•paooea ;o seouaJgwnoue io; ;deoxe 'peiegwnoueun s! A edoJd (NI ;ay; pue itpedoJd ay; Aenuo3 pue ;ueJ6 'e6e6pow
o ;q6p ay; say pue pOAOAUoo /geJeq a ;a ;se ey ;o posies Rlln;Mel s! JOMoJJog ley S1NVN3A00 HMMOH1:108
„•ApedoJd„ ey; se wewni;sul A HJnOes sly; u! o; peiie;ei si 6ulo6eJO; ay; to ily ;uewnJ ;su[ i ;!,noes sly; Aq peienoo
eq osie !legs suol;lppe pue s ;ueweoeideJ I!y •J( iedoid ay ;o pad e Je ;eaJeq Jo Mou sawn ;x!; pue `seoueuapndde
's;uewesee ve pue 'J(pedoid ey; uo papaw Je ;eeley Jo MOU s ;ueweAoJdw! eql lie
s! Jo6e6pow e41
SNW OAS' 3Wt J B)
1.3N )\f A 3NNV3f
5 :0 WV n1 Nn 00
rn J NI J1t.)r�J N-1001\11'
V 7A13V3
yob
[A1IO1
euReyl
ss J(pedoJd„)
[leees]
en I. J9 el LV IT
H_IM H3H13001
[epoO d1Z]
LZiE9 6ulw0AM
sseippe eqi say go!gM
6uLwoRM •Rlunop uLo3u11 `1Jato Rluno3 to a3Ld 3142 uL p,JO3aJ
�o leLd lain 02 6uLpJO33e '9I le Id y3Uea Ra1IPA Je2S 'E6 201
:6uiwoAM 'J(;uno0
u L o 3 u n u! pe;eool J(pedwd peq!JOSap 6u!MOilo; ay; 'alas ;o JOMOd y;lM `iepue
o; I OAUOO pue ;ueJ6 'e6e6pow Ageieq seop JaMOJJOB 'esodind siy; Jod •e oN ey; pue ;uewni;sul A ;!,noes sly; Japun
s ;Ueweei6e pue s;ueuenoo s,JeMoiioB ;o eouewioped ay; (o) pue :;uewnJ ;sui ;!,noes sly; ;o J( ;!,noes ey ;;oe ;ad o;
L qdei6eied Japun peouenpe ;seie ;U! y;lM 'scans Jay ;o lie ;o ;uewAed eq; (q) :e ;oN ey ;o suol;aol ;!pow pue suolsue;xe
'sleMeuei lie pue ';seJe ;u! yip 'e;oN ay; i(q peoueplAe iqep ;uew, edei ay; (e) :iepuel o; seinoes;uewni;sul
Aiunoes sly_ 9 i 0 Z '1 R 1 n uo a geked pue enp 'Je!IJee pied ;ou I! `;clap lln; ey; y;lM `s ;uewAed
J(ly ;uow Jo; sepinoid golgM'( „e ;oN „);uewni ;sui i;IJnoes sly; se e;ep ewes ay; peep a ou s,JBMOJJ09 i(q peouepine
sl;gepsly! o 0 o0o' 9Zi$'8n)
00T /ou pue sae L Loa puesnoyl an LH Sluami peJpun au ;o cans led!oupd ay ;Jepue seMOJeMOJJOs
•(„Jepuei„) IOOZ8 AM 'euuaRayu 'any Re.Jeu OZOZ
s! sseippe esogM pue 6 u L w o R M ;o SM6I ay; Japun 6ul;s!xe pue pezlue6Jo s! golgM
uo1le.JOdJo3 6uLwoRM V
a6e61.J0W aoCe14 0 ue /q6 s!;uewnj;sulJ( ;!,noes sly!
ad LM pue puegsnH °903314 LLe9 ua.JeN pue an3314 9 uob
0 0 0 Z Z a u n cUO uen!6 s! ;uewnU;su[ A;!Jn °eS.1) 3OV911:1O1A1 SIHI
[elea 6ulpjoaea Jod eun e141 mow ends]
a OVd xa x00S
6ZC998
NMI
Z9Z190 'ON
1Oo8 AM 'auuaRag3
any RaJeu OZOZ
a6e61.JOW JoCe14
:01IIvW ONI4H0031A H31AV
orr rnrn
008
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
seq. "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 under
paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable
under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the
Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any.
Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall
pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of
amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to
Lender receipts evidencing the payments.
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 secured by the lien in a manner acceptable to Lender; (b) contests in
good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion
operate to prevent the enforcement of the lien; 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 may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien.
Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice.
5. Hazard or 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 floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and
WYOMING-SINGLE FAMILY- FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90
ISC /CMDTWY//0491/3051(9 -90)=L PAGE 2 OF 6
LOAN NO. 061252
9 JO 3OVd 1 106 L90£/L6b0 /AMLaWO /OSI
06/6 ISO£ If10:10A IN3WHd1SNI WfOdINH OW1Hd/WJNd 31DNIS
Aq pepinoad (selinbea iepuei ley; spotted eta Jo; pue ;unowe eq; u!) 069 .1Onoo eoueansul e6e6pow ;l 'aepue ;o uo1ldo
ey ;e'pealnbei eq ae6uol ou Aew s ;UewAed enaase'ssoi •eoueansul e6e6pow ;o Hell ul enaese.1 ssol 9 se sluewAed
esegl uie ;ea pue esn 'ldeooe IIIM aopuei 'loop ui eq o; peseoo JO pesdei e6eaenoo eoueansul eq; ;Jew aeMoaaog Aq pled
6uteq wniwaad eoueansul e6e6pow AlaeaA e4; ;o 11; ;IeMI -euo o; ienbe wns e y;uow goee aepuei o; i d Heys aannoaaog
'emellene lou sl e6eieAoo eoueansul e6e6pow;uelentnbe AHel ;Lie ;sgns ;I •iepuel Aq penoadde ae .1nsul e6e6pow
elewelie ue woe; ;oa ;e ul AisnolneJd eoueansul e6e6pow eq; }o aeMoaaog o;;soo eq; o ;ueienInbe AHe1 ;ue;sgns
lsoo s 1e 'pep ui Aisnolnead eOU9 .1nsul e6e6pow ey; o ;;ueientnbe AH9l ;uelsgns e6eJanoo uielgo o; pennbea swnlwa.1d
eta i(ed hays JOMOaaog 'pane Ui eq o; seseeo JO sesdei aepuei Aq paainbea 06eaenoo eoueansul e6e6pow eq 'uoseeJ
Aue ao; 1oa ;a ul eoueansul e6e6pow eq; ule ;ulew o; pealnbea swniwaad eq; A6d Heys Jenno ;uewna ;sul AlpnoeS
sly; Aq paanoas ueoi eq; 6upjew ;o uogipuoo e se eoueansul e6e6pow pealnbei aepuei ;I •eoueansul e6e6ilaoini •9
;uawAed 6ul ;senbeJ aeMoaaog
o; aepuei woe; eot;ou uodn ;sea0 ;ul y;iM'eig9Aed eq Heys pue 019.1 e;oN eq; ;9 ;UewesJngstp ;o a;ep eta wag ;sale ;Ut
aeeq Hugs s;unowe eseg1 '1uewAed ;o swae; a0410 o; eaa6e aepuel pue aeMoaaog sseiun •1Uawna ;sul A;Unoes 61141
Aq paanoas aeMoaaog ;o ;clap leuol ;lppe ewooeq Heys L ydea6eaed sly; aapun aapue Aq pesangslp slunowe Auy
•os op o; eneq 1ou seop aapuel 'L ydea6eaed sly; aapun uol;oe axle; A9w Jepuei g6noy ;ly S .1l6de.1
93Iew 01 Apedo .1d ay; uo 6uuelue pue see; ,sAeuaolle elgeuoseaa 6uyted 'moo ul 6uueedde 'luewn .1lsul Alunoe9
sly; aano A;uolad spy golgM uall e Aq pampas swns Aue 6uiAed epnloul Aew suo11oe s,aepuei Apadoad ay; ul S;116U
s,iepuei pue Apedoad eq; ;o enien e41 loeload o; Aaesseoeu sl aano ;e1M .1o; i d pue op Aew aepue uay ;'(suot ;ein6ei
ao SM9I eoao;ue o; ao eanliepo; JO uo1leuwepuoo ao; 'eiegoad 'Ao;dn.olueq Lit 6ulpeaooad e se Lions) Apado .1d
ay; ui 91461.1 s,aepuei pep A11ueo1 ;tu6ls Aew ley; 6ulpeaooad Ie6ei e sl eley1 io ;uewna ;sul A ;unoes sly; ui peuie ;uoo
slueweea6e pue s ;UeUOAO3 ay; moped 01 site; aeMoaaog ;I •Apedoad ay; u; s;y6DA s,aapuei jo UOR3O10ad 'L
•6ui ;jJM ul ae6aew ay; o; seea6e Jepuei ssalun e6aew;ou Heys egg ea; 9 pue ployeseel e4;
'Apedoad e41 mitt ee; se Inboe aeMoaaog ;I 'inn' ay; ;o suoislnoad ay; HE 141IM Aidwoo Heys aannoaaog 'ployeseei a Uo
sl ;uewna ;sui Allanoes sly; ;I •aouaplsea I6dloulad 6 se Apado .1d eta ;o Aouedn000 s,aaMonog 6ulweouoo suolle;uesaadea
`o; pe ;Iwl1 ;ou ;nq '6ulpnloul 'e;oN eta Aq peouepine ueoi e11; yliM uol;oeuuoo ui (uol;ewao ;ut Ielaeiew Aue yl1M aapue
aphid o; pep; ao) aepue o; sluewelels JO uo116wao ;U1 eleanooeul .10 asp; Allelaelew ane6 'sseooad uoIleolldde ueoi
eta 6uunp `aeMoaaog ;l ;Ins ;ep ul eq oste (legs aeMoaaog ;seJelul A;Unoes s,aapuo ao ;Uawna;SUI A11anoeS sly; Aq p;eeaa
uell eq ;o ;uewal9dwl Ieuelew aay ;o JO Apedoad eta ui ;swop s,aaMOaaog ay ;o can ;lapo; sepnloead 'uol ;eulwaelep
141I pooh s,aepuei ul '1e416win.1 e 411M pesslwsip eq o; 6ulpeaooad JO uol1O9 ay; 6uisneo Aq 'g G ydea6eaed
ul pepinoad se '0;93suiea pue 9 Lions aano, w aaMOaaog •;saga ;ul Alunoes s,aepuei JO luawna1SUI A ;unoes sly;
Aq pa;eeao uell eq; aledwl Alielaa ;ew esinueq ;o JO Apadoad eta lo eJn ;iepol U! 1Ins0 pinoo 1Uew6pnf 4ile; pooh s,aapue1
ul 1911; un6aq Sl 'Ieulwlao JO limo ley ;a1M '6ulpeaooad .10 uol ;oe eanilepo; Aug 11 ;Ine;ep ul eq hays J0MOaaog •Apedoad
0141 uo eisem liwwoo JO `el9aolae ;ep 0; Apedoad eq; Mop 'Apedoad eta al6dwl ao 96ewep 'Aoa;sep ;ou Ileys JOM0aaog
•Ioaluoo S,aaMOaaog puoAeq 0.16 go14M 4Slxe "seOU6lswnOalo 6ul ;enualxe ssaiun ao `p1a11411M Algeuoseaaun eq ;ou Heys
luesuoo (olyM '6ul ;l .1M ul seeJ6e esiM.1e11 ;o aapue1 sseiun 'Aouedn000 ;o elep 041.101le aeoA euo ;seal le ao; eouepisea
Iedlouud s,aaMOaaos se Apedoad 0141 Adn000 o; enui;uoO Heys pU61Uawna;sui Alpnoas sly; ;o uol;noexe ay; ae; ;e
SASp Axis LiIyIIM aouaplsea Iedloulad s,aeMOaaog se Apedoad e41 esn pue 'ysiige ;se 'Adn000 Keys aeMoaaog •spioyasea,
:uope3iiddy ueoi S,aaMOaa08 :AIadoad 01.11 O UOI 3e;oad pue aOUeueluiew `U0110Aaesaad `AOUed11000
•uoi ;lslnbOe 01110; loud A;elelpeww1 IUOwn .1lsul A4unoes sly; Aq paanoas
swns ay; ;o ;ualxa eq; o; a0pue o; ssed Keys uoll!slnboe eq; o;.oud Apedoad eta 01 e6ewep woe; 6uilInsea spaaooad
pus solollod OouSansul AU6 o; 146p s,aaMOaaog 'aepue Aq paalnboe sI Apedoad 0141 1 Z ydea6eaed aapun ;I •s;uewAed
04; ;0;unow6 eta 96ueLio .10 Z pug sgdea66aed ui l 0; paaaa ;ea sluewAed AILi;uow 041 ;0 elep enp ay; euod ;sod
JO pUO3xe;0U Keys ledloulad 01 spaaooad ;o uo1leolldde Aus'6ul ;!JM ul ee169 eS!Maey10 Jenn0aaog pug JOpue 1 sseiun
•ueni6 si e01;ou eq; ue11M ul6eq IlIM
potaad Aep -0£ a111 'enp u0LiI lou ao JewegM 'luawna1SUI Altanoes sly; Aq paanoas swns Aed 0; JO Apedoad ay; e101S9a ao
aiedea 01 spaaooad eta esn Aew aepuei •spaaooad eoueansul x411001100 Aew aapue U041 'wielo a ewes 01 peas ;0 6614
aeuaeo eoueansul eta ;eta aepue wog a0l;ou e sAep 0£ my ;iM aaMsue ;ou saop ao 'Apedoad ay; suopuege JenNoaaog 41
•aeMoaaog 01 pled sSOOxe Aug y11M 'enp Lieu ;ou ao a0y;04M 'luewnaisui Alpnoes s141 Aq peJnOeS swns ay; o; paltdde eq
Dais spaaooad OOUSansui ay; 'peuessel eq pInoM A11anoes S,aapue ao eiglsee; Alle0iwouo0e ;oU sl aiedea .10 U011eao ;sea
eta ;1 •peuesse11ou sl A;lanoes S,aapuei pug a Q1see; Alieolwouooe Sl medal ao uoileao ;Sea 0414! 'pe6ewep Apedoad 041
aledea .10 uoi;eao;saa o; paiIdde eq Heys spaaooad 0ou6ansui '6ul ;jM Ul aea6e es!M.1ay ;o aeMoa pug aepua1 sseiun
•JOMOaaog Aq AI ;dwoad Opew 1ou ;I ssol 40 paid 0)IBw ABU! aapuei •aapue1 pue aelaaeo eOU9ansui
ay; o; 0911ou ;dwoad anl6 Keys aeMoaaog 'ssol ;o ;Liana eq; Li' •se0t;oU I6Meua.1 pue swniwaad pied ;o s;dleoea 11
aepua1 o; enl6 Al ;dwoad Heys aeMoaaog 'sealnbaa aapue, ;I •Slemeuaa pue salollod 0111 ploy 011461.1 eta ane4 Heys aapua1
•esnelo e6e6pow p .16puels a epnloul Heys pue aepu0 0; eige ;deooe eq [legs SI6Meuea pue saloHod eoueansul Ily
'L gdea6eaed
Li1IM 0OU6pa000S Lit Apedoad e41 ui s146i.1 sdepuei ;0e;o.1d o; 96eaenoo ule ;go 'uol ;do s,aepua11e 'Amu aepua1
`enoge pequosep e6eaano0 uieluiew o; SIe; aeMoaaog 41 •pleUy ;iM Algeuoseeaun eq 1ou Heys gown ienoadde s,aapue104
;0afgns aeMoaaog Aq uesoyo eq Hugs OOU6ansuI 0416ulpinoad .101.1.190 eoueansul 941 •sealnbaa iepue spoiled eta ao;
6 0 0
:.:ZI 'ON NVO-1
08 1+C,:.s 4IJ
010
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 Toss 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 or
modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in
interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in
interest. Lender shall not be required to commence proceedings against any successor in interest or 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 Borrower's successors in interest. Any forbearance by Lender in exercising
any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy.
12. Successors and Assigns Bound; Joint and Several Liability; Co- signers. The covenants and agreements of
this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the
provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who
co -signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to
mortgage, grant and convey that Borrower'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 may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security
Instrument or the Note without that Borrower's consent.
13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan
charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in
connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount
necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which
exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the
principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction
will be treated as a partial prepayment without any prepayment charge under the Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the
Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given
by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any
notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given
as provided in this paragraph.
15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the
Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note
which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the
Note are declared to be severable.
WYOMING SINGLE FAMILY-- FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90
ISC /CMDTWY //0491/3051(9 -90) -L PAGE 4 OF 6
LOAN NO. 061252
9 AO 9 39Vd 1 /AI&LOW0 /OSI
06/6 190E WHOd 1NJWnli1SNI WUOdINn 31 /ViHA NNI A11Wdd 31DNIS ONIWOAM
to eol1ou 9A16 nets Japuei •Mel e(geolidde y ;Inn eouepaoaoe Li! `tueJe IIp tI `RpedoJd ay; to uoissessod ui uosaad
ay; 04 pug JOMOJJO8 O; OSO 3Daot of luelui to a°Itou eA!6 Bets Japua, `ales to JeMod ayt se onus Japua- ti
•a°uepine edit
to stso3 pug seat ,sAeuaottg eigeuosee 'ot pa ;lwll tou;nq `6uipniaui LZ ydeJ6eJed slit ui papinoJd seipewei ay;
6uinsand ul paaanoul sesuedxe Ile loeiloo o} pORltue eq Hugs Japue •Mel elgeoildde Aq pejiwaed selpeweJ Jay ;o
Aug pug ales to JeMod eta Enionui Amu pue puewep Jegpnt inoy ;lM;uewnitsui R;IJnoag slit Aq paJnoes swns Ile
to Ilnt ul ;uaWRed ateipawwl aJinbaJ Amu uol ;do S to Japua `a3RRou ay; ul Peitloeds amp ay; aaotaq Jo uo paano
uou si tlnetap 043 ti 'ales pue uoltBJaleooe o; JaMOaJo9 to asuatap Jew Aug Jo tinetep e to e3uejsixe -uou ayt
passe 01 top °e lino° a Gulag o; ly6lJ ayt pue uolleJeieooe mite etetsulei o 101J ayt to JOMOJJO8 U1.10401 .10141.1111
Heys eoi;ou ell •A iedoJd ail to ems pue wewnilsup AUJnO9S situ Aq pampas swns ay; to uoRwe e3oe ul linsai
Aew eoigou ay; ul paid °ads amp ay; aaoteq Jo uo tinetap ay; aJno of einl1 3 (p) pus :palm eq lsnw;inetep
044 4 Aq `JannoJao8 of uenl6 si a3llou 941 step alit wont sAep of ueyt ssei uou `ate( a (o) :unstop 9 Dino
of paainbai uoitoe 043 (q) :tlnetap 04; (e) :Rhoads hays eoi ;ou ail •(asInuay ;o sepinoad Mgl algeolldde ssalun �L
ydeJ6eJed Japun uolleaala °°e 0; Joiad iou tnq) tuewnJtsui R ;!Jnoas siyl ul ;uaweeJ6e Jo 41.1eUOAO3 Rue to yogaaq
S I0MOJJO9 6UIMO1101 uollea01a° °e o; JOIJd JOMOaa08 01 00110U en16 Heys Japua, •selpewaH :uolialeieooy lZ
:sMOilot se 9°.169 pue lueuenoo Jeiunl Japue1 pue JBMOJJOe SINVN3A00 WaOdINfl
•uoploaloJd Ieluewuo.1inue JO Rleles `ylleay o; a ;elal ;ail pe;eool sp RpedoJd ail a .1ayM uop;oppspJnl
eill to SMei pue sMei leiepel sueew „Mei IeluewuoJpAu3„ 'og ydeJ6eJed sly; up pesn sy •sle!Jelew enp;oeolpeJ pue
'epityaplewJo; Jo so ;segse 6upuleluoo sleuelew `sluenlos eon `seppopgJey pue seppop;sed oixo; `s;onpo .1d wneloged
opxol Jo ejgewwell Jeylo 'euesam{ `euplose6 :seouelsgns 6upM0II0 ay; pue Mei IeluewuoJpnu3 Aq seouelsgns
snoprzeq Jo oixo; se peuilep seouelsgns esoy; eJe „seouelsgns snopJezeH„ 'oz ydeJ6eJed spill up pesn sy
Mel IeluewuoJpnu3 ylpM eouep .1000e up suoplOe peipewei AJesseoeu He eNe; Rlldwo .1d Help JaMoJJoe 'itJesseoeu
sp A iedoJd ail 6uploelle eauelsgns snopJezeH Aue to uopleppeweJ Jaylo Jo ienowei Rue ;eyt'Alp .1oylne RJoleln6eJ
Jo Ie4uewuJeno6 Rue Aq peplplou si Jo 'sweep JOMOJJO9 11 •a6pe ;Moue{ Ienloe set JeMOJJo9 wpm to Mel Ie ;uewuoiiAu3
Jo eouelsgns snopJezeH Rue pue /pedoJd ail 6upnlonup Rued elenpud Jo Roue6e i(JO;epn6eJ Jo Ie;uewuJeno6 Rue
Aq uoploe Jey ;o Jo;pnsMel `puewep 'tupelo `uop;e6p;senup Aim to eoplou wpm Japuei enp6 ARdwo .1d Heis JaMOJJOB
•RpedoJd ail to eoueue ;upew of pus sesn Ie14uepiseJ iew.1ou o; a ;epidoadde
eq of peziu600eJ RIIeieue6 eJe ta seouetsgns snopJezeH to seplpluenb spews to RuedoJd eyl uo e6eJols Jo 'esn
'eoueseid eyl of Ridde lou Keys seouelues OMl 6uppeoe .1d eyl Mel le4uewuoJpnu3 Rue to uop ;elopn up s1 ley; AuedoJd eyl
6up1oelle 6upy(ue `op o; esie auoAue Mope Jou `op lou Heys JaMoJJoe •ApedoJd eyl ul Jo uo saoue ;sgnS snopJezeH Rue
Jo escape.' Jo `e6eJols 'lesodsip 'esn 'eouesa.1d ey4 41wJed JO esneo lou Keys JaMoJJoe •seouetsgns snopJezeH 'OZ
•Mei e;geopldde Aq peJpnba.1 uo14ewJolup Jeylo Rue upeluoo osle IIpM eoplou ail spew
eq wogs sluewAed golgM o; sseippe eyl pue Jeoin.1es ueoi Mau eyl to sseJppe pue eweu eql ems IIpM aoilou eyl
•Mel e;geoildde pue enoge 171. ydeJ6eJed y;pM aouepJ000e up e6uego ail to eoplou uefpJM uenp6 eq Him JeMaJJoe 'JeoIAJes
ueoi eql to a6ueyo e si amyl 11 eloN eyl to ems e o; pe4eielun JeopAJes ueoi eyl to se6ueyo eJow JO euo eq Aew osle
emu •uewnJ ;sup Rli .1noes spill pue ejoN eyl Jepun enp s;uewAed Rlyluow s ;oelloo ;ey; „JeopMeS ueoi„ ay; se uMOU){)
Alplue ail up a6ue e up pm' Aew eles y •JeMOJJos o; eop;ou Jopud lnoilpM sewp1 eJow Jo Duo plos eq Aew (;uewnJ ;sup
Alynoes Siy ;144iM Jeq e6o;) eloN ail up lseJe ;up pepped a Jo eloN eyl •la°inaa$ ueoi JO e6us113 :a1ON JO 0 1 9 9 '6L
L L ydeJ6eJed
Jepun uople .1eleooe to eseo ail up Aidde lou Heys a elsupe.1 01 u spy; `JenemoH •paJJn000 peg uopleJeleooe ou
1p se enp ;Della Runj upeweJ Heys i(qe ey peinoes suople6plgo ail pue ;uewnJ ;sup Rlunoes spy 'JaMoJJoe Aq luewelelsuleJ
uodn •pe6ueyoun enup ;uoo Heys;uewnilsui Aunoes spill Aq peinoes swns ey; Aed 01 uoile6ilgo S,JaMOJJOB
pue ApedoJd ay; up sly6p1 s, .1epuei ';uewnJ ;sal Aunoes spill to ue l ey; pill einsse 01 aapnbeJ RlgeuoseeJ Aew Jepue se
uoploe Lions se)jel (p) pue :seal ,sAeuJo1 ;e e;geuoseei 'O1 pelpwpi IOU lnq `6uppnloup ;uewnJ ;sup R1!Jnoes spy; 6upoJolue up
peJJnoup sesuedxe He sled (o) :s1ueweeJ6e Jo slueuenoo Jeq o Aue lo;Inelep Rue seJno (q) :paJJn000 pet uopleJeIeooe
ou 1p se eloN eql pue luewnJ4sui Acanoes spit Jepun enp eq mom will yopuM swns He Jepue sAed (e) :JaMoJJO9
tail eJe suoilppuoo esoyl •luewnilsul Aluunoes spill 6upoJolue luew6pnl a to /we (q) Jo ;uewnJlsup R1!Jnoes spill
up peupe ;uoo ales to JeMod Aue o; luensJnd ApadoJd ail to ems eioleq (luewelelsuiei Jol Rlpoeds Aew Mel e;geopldde se
potted Jay ;o Lions Jo) sAep g (e) :lo Jew() ail o; Jop .1d ewp1 Aue le penupluoospp 1uewnJ1SUi A1!Jnoes spy; to lueweoJolue
any 01;1461.1 0144 aAey Heys JOMOJJO9 `suoilppuoo upepe° s48aw JaMoJJoe ll •a ;e ;sulaa 0111.161d s,JaMOaa09 '9L
•JeM0J .1o9 uo puewep Jo eoplou Jequnl lnoylpM 4uawnJ4sui RipJnoes spit Aq pellpwJed seipeweJ Rue
e)IonuI Aew Jepuei 'po►ied spy; to uo14eJpdxe 914101 .1opJd swns eseyl Red o; spel JaMoJJoe 11 •4uewnJ ;sal R4pJnoes spill Aq
paJnoes swns Ile Red ;snw JaMoJJoe gopgM ups pM peppew Jo p0Janplap sp eoplou ay; e4ep 8144 woJl si(ep oc U9144 sse; mu to
potted e eppno.1d Heys eoplou eyl •uople .1eleooe to eoplou JaMoJJoe enp6 Heys Jepue `uopldo spy; sespoJexe Jepuei lI
•luewnJ ;sup R ;!Jnoes s1144 to amp ail to se Mel IeJepe4
Aq pe11Q114oJd sp espoJexe 1p Jepuei Aq pespoJexe eq lou Heys uopldo spill `JeA0M0H •luewnJtsul Rl!Jnoes spy; Aq paJnoes
swns He to Hnl up 4uew /ed e;eppewwl eilnbe.1 'uopido s ;p le 'Aew Japuei 1UOSUOO ue4 ;pJM Jopd S,Japuei mown (uosJed
le .1nleu e;ou s1 JaMoJJoe pue paJJelsu9JI Jo Pios Si JaMoJJoe up 4SeJe4UI Iepop4eueq a 4! Jo) peJJO4SU9J1 Jo paps sill up
;s0Je4u1 AU9 JO AlledoJd 9144 to ped Rue .10 IIe 41 •J0MOaaoe ul tsaaatul 111101191.109 13.10 RpadoJd MOM Jatsueal 'LL
•luawnilSui *noes spy; 40 pue eioN mil to Rdoo pewJoluoo DUo uen16 eq 11e14s JaMOJJOg •Ado s,JaMOaaoB '91.
II0 7gz190 'ON NV01
LOAN NO. 061252 01 2
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.
24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together
with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall
amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this
Security Instrument. [Check applicable box(es)]
❑Adjustable Rate Rider ❑Condominium Rider 111 1--4 Family Rider
El Graduated Payment Rider ❑Planned Unit Development Rider El Biweekly Payment Rider
Balloon Rider Rate Improvement Rider Second Home Rider
❑Other(s) [specify]
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any rider(s) executed by Borrower and recorded with it.
Witnesses:
R B McCu
Social Security Number 520
t
.tom-!' e C Q (Seal)
i r en Gail McCue Borrower
Social Security Number 520
(Seal) -Borrower
Social Security Number Social Security Number
[Space Below Thls Line For Acknowledgment]
STATE OF WYOMING, Lincoln County ss:
The foregoing instrument was acknowledged before me this June 2, 2000
(date)
by Ron B McCue and Karen Gail McCue
(person acknowledging)
My Commission expires:
Sharon Walker Notary Public
County of State of
Lincoln t Wyoming
Ivy Commisjion Expires June 4. 2004
otary Public
WYOMING— SINGLE FAMILY FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90
ISC /CMDTWY //0491/3051(9 -90)-t PAGE 6 OF 6
(Seal)
Borrower
AP# MCCUE, R. AF LN# 061252
PLANNED UNIT DEVELOPMENT RIDER
THIS PLANNED UNIT DEVELOPMENT RIDER is made this2nd day of June 2000
and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or
Security Deed (the "Security Instrument of the same date, given by the undersigned (the "Borrower to
secure Borrower's Note to Major Mortgage, A Wyoming Corporation
(the
"Lender of the same date and covering the Property described in the Security Instrument and located at:
17 Alta 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 (the "Declaration The Property is a part of a planned unit development known as
STAR VALLEY RANCH
0 13
[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: (1) 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:
(1) 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.
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.
MULTISTATE PUD RIDER Single Family-- FNMA/FHLMC UNIFORM INSTRUMENT Form 3150 9/90
ISC /CRID* *//0195/3150(0990) -L Page 1 of 2 Revised 8/91
16/9 paslnald Z ;0 Z eBed 1-(0660)091E /961.0 *.QIUO /0SI
06/6 091E W 1N3Wf1H1SNI WHOIINfl 31N1HIMWN I AIlwed alsuIS and 31111SI11fIN
JeMoJJ08-
(Iee
JeMoJJoB-
(IBeS)
JeMOJJ08-
(IeeS)
JeMOJJOB-
(IBeS)
1? 10
an90W i t, P9 ua e
an90
U0
'Jepod and s1g1 I0 Z pue
se6ed u! peuleluoo suolslnoad pue swaei ey1 O1 seeJ6e pue sldeooe JeMoJJoe 'M0138 ONINOIS A8
•IuewAed 6uIlsenbeJ JaMaJJOe o; Jepuel wont eonou uodn 'lseie u!
11HM 'elgeAed eq !legs pue elmJ eloN eta le luewesJngslp Io elep 0111 woJl Ise elu! Jeeq !legs slunowe
esegi 'luewAed Io swiel Jey10 Ol eei6e Jepuel pue JeMoaaog sseiun •luewnaisuI /1!Jnoes eq1 Aq peinoes
J0MOJJ08 Io Igep leuoluppe ewooeq !legs d ydeJ6eJed slyI aepun Jepuel Aq pesJngsip slunowe Auy 'weyl
Aed ABU/ Jepuel ueyi 'enp uegm sluewssesse pue senp and Aed lou seop JoMOJJo9 11 •sejpeweH •d
•Jepuel of eigeldeooeun uo! }e!oossy sJeuMO eqj Aq peulelulew
e6eJenoo eoueinsu! AIullge!! olignd e 6upepuei IO pens 941 eneg mom go111M uolioe i(ue (Al)
JO 1u011eIOossy
sJeuMO ey1 Jo luewe6euew -Iles Io uolldwnsse pue luewe6euew IBuoisseload Io uoneuiwiei (11!)
:Japual Io Iueueq sseidxe
eti JoI s! uo!s!noJd 0111 I! „sluewnooa lueninsuo0„ Oyl jo uoislno.d Aue o1 luewpuewe Aue
!ulewop lueulwe Jo uoneuwepuoo
Aq a Io eseo 041 u! JO Auenseo a0y10 Jo eJII Aq uononJlsep lelluelsgns jo eseo 811i ul Me! Aq
peilnbeJ uo!leuiwael Jo luewuopuege J0I ldeoxe 'and eqi 10 uoneulwael ao luewuopuege 49 111
:01 IU49suoo Jo AuedoJd 041 epinipgns Jo uoll!lJed Jay1!e 'luasuoo uell!JM
Jopd s,Jepue-j yl!M pue Japual Ol eollou Jalle ldeoxe 'IOU hays JeMOJJOB •luasuoo aolad s •3
•O1 lueueno0 WJ01!Un u1 pap!noad se Iuewnalsul i(iunoes 0111
Aq peJnoes swns 041 01 Jepuel Aq pelidde eq !legs speeooad gonS •Japual 01 pled eq !legs pue peu6lsse
i(geieq eae 'uolleuwepuoo IO nell u! eoueAanuo0 Aue J01.10 'and 49111 soave! pue seem uowwoo 041 Jo
Alaedoad 4911110 !Jed Aue Jo lie Jo 6441)1e1 Jeylo Jo uol1euwepuoo Aue 1111M uolloeuuoo u! JeMOJJOB of elgB/ed
lenuenbesuoo a0 imp `se6ewep .101 wield Jo !Name i ue Io speeooad 49 111 •uoneuwepuoo •0
Z9Zt90 #N1 3d 'd 3fl33W #dy