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Home My WebLink About866350(saSed 9 bo I aged) 06/6 150£ X Si ssaippt asogm put c5() `)N!x'01,.M 1j N' N N V3 f wd zl unroo 8 8998 ,i, 0.1tii_ N10ONI' G3Ai3O3 d INHNi(12LTSNI NRIO JIMf1 5 g111 0 1PP NW 3mue3 ,Sllu u3 012u!S DMIIRO `(,ssa.tppv Xuadotd„) [laansl HNId`IV 2IQ HEART H}IYNS LIE Jo ssalppt 0g1 stg lotgm 'JSL1ff1Th I Sld INErniaa NISIlVd V Sand AN I= MESTMB NNEND NiJI SIHL ,D S'EH 3HL 9ZVi L9L ON ZNHYSf1HLSNI SV £66Z Z AMC QH'II3 ILK'Id LVHdL OS, ONIOE ODDV M8 Z ZH NL £I, 0 NOII,DHS 30 fi! /TES HILL NIHSIM HNIdrIV 30 NMO,L HHS, OS, NOI LIQQV SMOQVHW MHIA 21HAIII S,OrI :2utwoAM `,C1uno0 NrIODNIrI ut paltooj ii doid paquosap 2 utmo1[o] 0141 ajus jo .lamod gltm 'i purj o1 ICanuoo put lut.12 `a5t21Joul ,Cgazaq sop .i0mo.uog `asodand sup Jog •a1oN ag1 put luautnalsuj AlunoaS sup .lapun sluauiaa.lgt put slutuanoo s,.tamoIog jo aoutuuojiad all (o) put :luauln.zlsuj 'C1t.lnoas sup Alt.tnoas all loalotd 01 L gdt.13t.n d aapun paoutnpt Isamu! tiltm `sums .taglo jjt jo luautAtd ag1 (q) `.a1oN a113o suotltot31Pout pug suotsualxa 'sitmauat lit put Isamu! gltm `a1oN ag14q paouaptna Nap amp luaui,itdal 0141 (t) :JapuaJ o1 saanoas 1uatun.11suI 'Ciunoas sRL S Z 0 Z Z Z HNflr uo ajgt,Ctd put anp `.latjita pttd lou 3t 'Nap [[n3 alp gltm 'sluawAvd Xjgluoui .103 saptnold got4m „aloN luau1n.11sui ,Clunoas sup st am) autts all paltp alou s,a0810130g iq paouaptna Si Nap stg,j 00 000 fi LT °S °n) sit]Ioa **********00T/00 QNV cN` SfloH,L 2in03 A,LNHAHS QHHQNf1H HNO jo urns jtdtouud all aapua7 samo iamo.uog „aapua-j 9ZZ£S NISNODSIM 'VSOIVMf1VM 9# HAV HLHON M S01 NISNODSIM 3o smut al1 Japun 2upstxa put paztut210 st gotgm NOIS,VH0d2IOD NISNODSIM V 'DTI HOF/O1,2IOW MS 01 uant;I st luauln.zlsuj ,Cltmoas stq,j, „.1amouog) HIIM QNY QNYSSf1H Q2I03NVHD VIIHA CNV QHO!NFiHD SIf O'I rIHVHDIN Si Jo3t2l.lout aiZ 000 Z L H Nflr uo uant3 st „luatunalsuj X1unoaS govo.L110IAI SIH.L 1OV J IOYAT [msu Surpaooag ao3 aur7 slgl anogy ands] [apo3 dtZ] 8Z1£8 Sututo,CM £96 'oN uporl 9ZZ£S NISNODSIM 'VSO,LYMf1VM 9tZ# HAV H UON M SZV01 DTI HDVDdLHON WMS OS, 'II W QHQ2IODH2i NHHM asrtxnv.aow` MORTWY2.LSR r 0 5 f; 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 seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for 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 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 for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. WYOMING— Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 9/90 (Page 2 of 6 Pages) (sa8ed 9 3U age(1) 06/6 ISO£ ruw1 .LNHWL1ILLSNL }NOdINII DEN a!PPwilPsli amued 41luied a'FU►S `JNtIL�i01�M :anp uagi ale sums ail iou 10 Iaylagm 1Uatunllsui Aptlnoas stye Aq paanoas sums ayp 01 patidde aq Keys spaaooad 0111 `saptnoid as!miagio Mei aigeotidde ssaiun io Suppm u1 aa1$e as!mmt to Iapua-I pug JaMO.uog ssaiun `Supi01 0111 aiojaq Aialetpauitu! pumas sums am 3o IunoUI ayl uutp ssai St Supiel gyp aaojaq Aialempauntil Clladold ayl 3o amen 10311e111 Ite3 0111 gOtgM ut Amdahl doad agp jo 2unigi 1epled a jo Juana ayl ui •10mo1l0g 01 pied aq Heys aougit q Auy •2uplei ayp aiojaq Aialetpauiutt Auadold alp Jo amen Ia) 1U J 0111 (q) Aq paptntp `2Unie1 alp alopaq App mpaunu! paanoas sums ay1 jo lunome trim atp (e) :uoparg 2 UtMOlIOd all Aq patidtlinui spaaooad ayl jo iunotue aqi Aq paonpai aq {lugs luatuntlsui Alunoas stye Aq paanoas sums atp `SuppM ut 0012¢ asiMJOylo zapuaj pue aamo11og ssaiun `SuT1el ayp aiojaq Aialgtpauiun luauinilsui Alunoas sup Aq paanoas sums all jo iunouie all ueyl aaleaa8 Jo 01 p nba st Supin ayi aiojaq Aialetpaumq filmdotd ayi jo amen 10311eut Jpj alp gotlM ut Auadold a 11 jo 2untri Trilled a jo Juana 0111 ui •aaMOlaog 01 pied ssaoxa Aug 111tH `anp uagi lou 10 Ial1a11M 'puaunuisui Alunoas stye Aq pampas sums ayl o1 par1dde aq Hugs spaaooad 0111 `Auadold a ii jo 2up1e1 ieloi a jo Juana all ui •Iapua-i op pied aq iieys pue pau2tsse Agaaag ale `uoueuuiapuoo jo nag ut aOUeAanuOO .toj Jo `Auadold atp jo lied Aug jo 2uppi Ia1110 Jo uopi uuiapuoo Aug y tm uotlOauuoO Ut 'irpuanbasuoo so maim `saSruirp Ioj Uitep JO pigmy ,cue 3o spaaooad ayy •uopeuumpuoD Oi •uopoadsut atp Ioj asnro aigeuoseaa Sut (3pads uojioadsut ue of .loud JO 3o auiil am aotlou Iamoiiog ant2 Hugs Iapua, ,claadoad aqi jo suotioadsut pue uodn saulua aiquuosual a?ieui AgtU lua2e sit JO Iapua-i •uotmodsui •6 Mel aiggotidde JO IOpuaj pue Iamonog uaamiaq 1UamaaiSe ualluM Aug iltM aouepa000e ut spun 0oueansul a$02uom Joj IUaUialmbai ay1 'gun `anlasal ssoi t aptn0ld of Jo 'mOag ;a ut aoueansut agalaoui uteluteui of paatnbaa sumtuiaad ayi Aed Hugs Iamouog •paui iqo st pue among sautooaq mar .tapuari,(q panoadde Iainsut ug Aq papnoid (sai!nbal Iapua-I imp pouad 0111 Ioj pue lunouie ag1 ut) aSelanoO aoueansut aSeSpaoui 3t `Iapua7 jo uotpdo alp le `paatnbaa aq aaguoi ou Amu sivautArd anaasaa sso'l •aoueansut a uguow jo nail ut anaasaa ssol t se sivauiAed asa111 umia.i pue asn `ldazoe film Iapua-i •1Oa33a ut aq of pasrao JO pasdei aSelanon aoueansut ayi 11011M JOMOIIOg ,c(1 mud Sutaq umtuiaad aoueansut aSe211oUi Aural( a p jo y13iaM1 -auo of ienba urns r yluoui toga Iapua-i o1 'Cud {iris 10mo11o1j `alquitene iou st a$eaan00 aoueansut a nguout luaientnba Aiirtlurpsgns 3i •aapun-{ Aq panoadde Iaansut a uguoui aleuaalie u0 uioi3 `maga u1 Aisnotnaad aoueansut aSrSuoui oqi jo aamonog o1 Isoo ayi o1 luaientnba Aiietluelsgns isoo r le loajja ut AisnOlnaad aoueansut agauoui ayi o1 Iuaientnba Atteputlsgns a2eianoo uttlgo of paatnbaa stunttuaid alp A0d Keys 10M0 10 `ma33a ut aq of saseao JO sasdel aapuai Aq paatnbaa a2raanoo aoueansut a2eSIJOUI aqI `UOSea1 ,CUR Jo `3i •1Oagga Ut aoueansut a2eSuoui alp utelumn of paatnba.i suintuiaad 0111 Atd iiegs aaMoa.iog luaumaisui Altmoas stye Aq paanoas two! all Sup eui jo uoptpuoo g se aoueansut agauout palinbai Iapua-i 3i •aoutlnsuj ogapoyli •g •luoluXud Sutisanboi Iamo.uog o1 Iapuai wog aopou uodn Isamu! g1tM `aigeAed aq iieys pue ilea a1°N ail lr luauiasingstp jo amp ag1 wog psalalut Iraq iiegs muumuu asatp `ivatuAgd jo swung imp of a012g lapua-i pue J MO11OH ssaiun •Iuatunllsui Ailmoas stye Aq paanoas Iamonog jo igap Ieuotltppe au ooaq iieys L gdelgrled sty{ 1apun Iapual Aq pasingstp siunow Auy •os op 01 aney iou saop Iapua-i `L ydelSeaed sup aapun uotlpe 031¢1 Arm Iapuaj 11Snoypiy •satedaa a3igui of Auadold 0111 uo 2uualua pug saaj ,sAauloile aigeuosrai 2utAgd `unoo ut Suueadde luaumllsui Aiunoas sty{ Iano Aiuoud seq gotgM uaq a ,(q paanoas stuns Aug SuiArd apniout Aum suopoe s,Iapua7 •AUadoad 0111 ut sig2u s,Iapual pug Auadold 0tp jo anien ay1 ioaload 01 Alessaoau st Ianale11M Ioj Aed pug op Agin aapun ua p `(suopeinSai so sMei aolojua of 10 alnita31oj 10 uou uumpuoo Ioj 'alegold `AOldnniueq ut Sutpaaoold a se Ions) Auadoad ail ut sl11SU S,Iapua-i 1Oa33e ApueotJ!USts A1Ui 1¢111 Sutpaaooad legal a st amp JO IuatunJlsui AlunOas stye U1 pauteluoo SluatuaaJSe pue slueuano0 all uuopad of site3 Iamouog 3I -Amdahl atg ut sitigm s,aapua-i 3o uopoaload •2upuM ut 1a21aui ail 01 saaIge Iapua-i ssaiun a21atu 100 iieys aim aaj 0111 pue pioyaseai 0111 `Auadoid aril 01 app aaj saitnboe aaMOalog ii •aseat ag1 jo suotstnoad ayi iig tiqm Aiduioo Hugs Iam0II0g `pioyaseai a uo st Iuatunllsui Aiunoas sup m •aouaptsal iedpuud e sr Auadold ail jo Aouedn000 s,lamoaaog 2utulaouo0 suotieluasaldaa `01 paltaitl low lnq `Sutpnput `aloN aq1 Aq paOUaptna 0001 am 111tH u0t1OauuoO Ui (uotleuuojut mpaleui Aug qI!M Iapua-i aptnold 01 paitei .10) 1apuog 01 slu0uta1e1S 10 UOpeuuOJUI 01ea1O30u! ao asiej ,(iieuaieui ane2 `ssaooad uopeotidde not aq1 SUunp `1aMO11ogji 1ingjap ut aq osie {lugs 1amouog Isamu! Aiunoas s,Iapua-1 10 1Uautn11SUI A1UnOas sup Aq par= uati ayi jo luatuateduit irualeul Iaiio JO Alladold 01/1 ut 1S 1 1Ut S,10M0110g ag13o aln1ta31o3 sapnioaad `uopeututlalap y1t0j po0S s,1apuai ut `1¢141 2utin10 11iiM passttustp aq 0l 2utpaaooad Jo 00th¢ aq1 Sutsneo Aq `gi ydeiSeaed ut paptnold 50 `al0lsutal pue 1inePap a yons amn° ,Cear Iamonog •psalaput Aiunoas S,1apua1 10 1Uautnllsai A1Unoas sup Aq palgaJO wail ayi Iledtut Atietlaletu as1M1ay10 so Auadold ay1 3o alnhtm3103 ut 11nsal pinoO 1U 1-U pnf yite3 pool s,1apua-J ut imp un2aq s1 `ieuttutm Io two Ia111agM `2utpaaoold 10 uotioe alnita3Io3 Aue it iine;ap ut aq Hugs aaMOalog •(uadold ayi uo a1s0M 1iWW00 10 `01eaoualap 01 Auad01d a111 molly `Ap1adold 0111 Itedutt JO 020100p `Ao115ap Iou 110115 IaMOUog 1011003 s,10m0II0g puo,caq ate lotgM istxa saOUelsumO11O Suuenualxa ssaiun 10 `piagyltM Aigeuosealun aq Iou Heys mama gOtgM `SutpJM ut saaiSe 051M1ag10 Iapua' ssaiun `Aourdn000 3o amp alp aai ;e ma,( auo meal 10 ao3 aouaptsaa iedtouud s,1amouog se Apaadoad ayi Adn000 01 anupuo0 grip pug luaUinllsUI Aiunoas sup jo uotlnOaxa ayi Jaw s,Cep,(ixts utg1iA aouaptsai Iediouud s,1oMOIIOg se Alladoad 0141 asn pue `lstigelsa `Adn000 iiegs JOMOJIOH •spioyasea `.uonl3tiddy ueo-i s,IaMOIIog `.Auadoad all jo uopoalold put: aoueualuteyt 'uopenlasald 'AOuedn0O0 •9 •uotitsmboe ayi o1 Ioud Aialetpauiutt IuaumIlsui Altm0as stye Aq pamoas sums all 3o IUOIxa all 01 10U0 i of ssed imp uoutstnboe ail 01 mud Xlladold a111 01 a2eutep mono 2uuinsai spaaooad pue satotiod aoueansut Aug 01 igSU S,I0MOIJOg `Iapual cq paitnboe st Auado1d all tz gdejSuled aapun 3i •sluouiAed ayi jo iunouxe ail a2uego Jo Z pug i sydea3eaed ut of paUaJai sivaUiAed Attptto u ay1 jo amp anp 0141 auodlsod 10 puma low Hugs tedtouud 01 spa00oad jo Uoti0otidde Aug `Suti!IM ut aa120 astM1aglo IOMOaaog pue Iaptta1 ssaiun :wants st aotlou alp uayM ut2aq II!M pouad ,Cep -p£ aq,L :anp uayl iou so Iayla1M `puatufIIsui Allmoas stye Aq pamoas sums Aed of 10 Auadold ayi OIO15aa 10 pedal 01 spaaooad ayi asn Aeui Iapua- •spaaooad aoueansut am 1001100 Anil Iapua1 uayl `uitep a 0111as 01 paia33o sey Iat1100 aoueansut alp 1011 1apUa7 mono aotlou 0 sAep HE utyltM IaMSUO Iou saop Jo `Alladold x111 suopuege IaMOUOg 3i •1aMollog 01 pied ssaoxa Aue gItM `anp Uagl Iou Jo Ia11lagM 'luaUmllsui Alun0as sup Aq paanoas sums ag1 01 middy aq Keys spaaooad aoutlnsUl all 'pauassai aq mom Apunoas s,1apua'i JO aigiseaj ApeO1WOU0oa Iou SI Itedal Jo 00110101501 0111 JI •pauassal 10u 51 Alunoas s,Japua7 pug aigtseaj Aiieottuou00a Si Itedal Jo 00110101501 0141 j! `pa2Omep Auadoad ay1 3o Itedaa JO 00110101501 01 patidde aq Heys spaaooad a000JOSUt `SUIIuM Ut 00120 asIMlaylo IaMOJIOg pue Iapuari ssaiun •1amollog Aq Apd1uoad apeui Iou ji ssoi jo jooad a3ieut Aeui Iapuai •aapuo' pug aawe0 aoueansut ay1 op aotlou ldtuold an1 hugs IOMOIIOH 'SSOi JO Iuana all ui •sa0pou iemaual pue sumIUlald pied jo sldtaaal 110 Iapua-i 01 0n18 Atiduiold Heys 1amolaog `saatnbai Iapua-i 3i •sIOMaUOJ pu0 saptiod all piny of 111211 ayi aney Hugs Iapua1 •asnep 0802210ut paepuels 0 apnput iiegs pu0 1apua7 0l apgeidaooe aq Keys sieMaual put samOtiod aoueansut Hy i� NS1 '£RM.L1I01N1 MORTWY4.LSR D 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. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. 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 delivered or mailed 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. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) 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; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this 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. WYOMING Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 9/90 (Page 4 of 6 Pages) (sa8gd 9 do S aged) 06/6 IOC Kaa3 .Iapta otuog puooaS I I aaptg fuauthd1iplaaMtg I I aapRI ,Citturd b i F I aapRl U. 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Xxessaoau tit a)irl Aipdutoad iiuys aamolog `kaussaoau st Xuadoad aq1 gupOaJ3u aourisgnS sn0parzgH ,(ue jo uotlutpauIaa aayeo ao irnotuaa Air rip 'Xipoyinr Xmiuinlaa ao ireuautuaanoS Aug Xq pagtfou st .to suamoi 10M0110g 3i •agpaiMou t tumor sty aaMOa1Ol y3tiM jo Mu-I iuluatuuoatnug ao aougisgnS snopn zuil Xug put (uadoad 0111 Sutnionut Xurd alrnpd so 'Cougar £iolrinat 10 iufu0utuaano3 'Cur Aq uopou 10y10 JO 1tnsMri `pugutap `uutgi3 `uottattsanut ,Cur jo aOtlou ua11UM aapual anti iiI1dtt0ad HMIs aaMOaaog asrsAM.L l0;; MORTWY6.LSR BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in pages 1 through 6 of this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Witnesses: Witnesses: 'Adel 7 (Seal) (Seal) MICHAEL LOUIS CRANF RD Borrower VERA CRANFORD Borrower Social Security Number 559-11-1666 (Seal) Borrower Social Security Number Social Security Number (Seal) Borrower Social Security Number Social Security Number STATE OF WYOMING, Teton County ss: Social Security Number 625-03-4597 The foregoing instrument was acknowledged before me this 7th day of June, 2000 (date) Michael Louis Cranford and Vera Cranford My Commission Expires: Feb. 26, 2002 a (person acknowledging) WYOMING— Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT l (Seal) Borrower (Seal) Borrower by (=I: Ajoeoi Notary Public Form 3051 9/90 (Page 6 of 6 Pages) lamonog- xamo.uo g- a2103NY D Fi2I3A lamonog- 190 Olga a2103 D SHIM nIHVHDIIWI JO/410120g- MI (008) 'out •swals.s tumunoor Ealani INHPJAVd NOOTIVf •laptg uoolieg sigi u► pauieluoo slueuanoo pug suuai alp of saaffe pug sidaoog Jamoalog MO IHf DNIINDIS AH •snpui of pautgidxa uaaq osie aneq goigm `ueol stgf jo uoisinoad luawAed uoolieq am 01 Suifeiai aopou anoge aqf jo fdiaoaa apaimou)iog Along amg 'lapual amps alp moa3 2uiaugugat uiglgo noA 3! uana `ueoi mau a gfpm pafeioosse Aliemaou woo 2uisoio Hu .to amos Agd of anvil Amu noA `Aluniem le ugoi sigl aougupaa noA II •ugol sigl uo alga agf uggf .tamoI .30 lagRiq Aiggaaptsuoo aq Amu goigm `alga 1a3jaem gutitgnaad alp Ig Aauouz aql noA pia! 01 SU lim Japual a purl of aneg iltm noA to 'umo Amu noA siasse Jagio jo ino ivamAgd algal of paatnbaa act aiojaiagf iiim nox •autp iegi le ueol agi aougutjaa of uoifekgo ou iapun si lapual aqj •anp uagl Isamu! ptgdun alp pug ueoi aqf jo aoueieq iedioupd aapua alp Agdaa lsnm noA saga,( ST Jo pua alp le lin3 ui aigeAed si ueol slgs SZOZ 'ZZ HNnr I�IO aE2IIfCOH2I HH TIIM E9 6 9 Z 8 Z dO iNHIAIAVd NOOTIV 1 V `SH.LNOI 1 081 NI H'IIVAVd SI HDNV'IV g TIfld Hill ROAMS iria H'InaHHDS UVHA OE V NO NVO'I TddIDNRId HH.L HZLLaO1' 1V flflOM ('NV IOlDVd 2IVHA A,L2IIH.L V NO aHSV1 SI isaNglMI QNV 'IddIDNRId d0 NOIIVZIIHOIAIV HHI A LI2In LF�T�i IV INMAIAVd NOOTIV1 V HlIInaH'I 'TIIM HDIHM SNOISIA02Id NIVINOD NHO'I MIL JO SLR ai HHI E9 6 Z :JagmnN ugo-I 8 Z Z E 8 DNINOAM HNIdnIV HC d2AI2i 3?IVNS LT E :ssaappd Afaadoad a2I03Nv21D FL 'Q2103NVIID SInOZ nIHVHDIN :au.1rN s,lamoaaog warm 1 Vd MOOTIV 1 [ow 2u1paooa JO I aurl SIUJ anoq' aoedg] 9ZZES NISNODSIM 'VSO1LYMfriM 9IiZ# HiW HIHON M SZPOZ DTI 3DYD1LHON WMS Os, rIIVN aaa230D32i NHHM 3WH'QNZ