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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. 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ApedoJd ap u! 51146!, S,Japue1 loeloJd 01 e6eJenoo uplgo `uo!ldo S,Japual le 'Aew Jepuai 'enoge pequosep 86BJen00 U!e1U!ew 01 spa; JaMoJJog jI 'p!011113!M A!geuoseeJun eq 1ou !ieys LOIUM Ienoadde S,Jepuei 01 loergns JaMoJJog Aq uesogo eq pegs aoueJnsu! ay; 6u!p!noJd Je!JJeo eouaansu! eql •swinbei Jepue1 lap spo!Jed 041 J01 L 9 0 'ON NyO1 LOAN NO. 0 6 1 2 51 WYOMING- SINGLE FAMILY-- FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90 ISC /CMDTWY //0491/3051(9 -90) -L PAGE 4 OF 6 108 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 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. 9 d0 9 3OVd 1 L50E /L6b0 /AMlaWO /OSI 06/6 LSOC WHOA 1N3WfH1SNI WEIOdINfl O1111HdNWNd A1IWVd 31DNIS ONIWOAM ;o apl ;OU eA!6 hags aapue •MeI algeplldde g ;Inn aouepa000e u! `;uaaa ;;lp `Apadoad ay uoissessod u! uosaad ay; o; pue JGMOJJO9 o; eSOI3Oi0; o; WOW! ;o 001 10U OA!6 days aapuol `Gies jo ieMOd ay; S MOAU! aapuai ;I •aouapina Gill; ;o s ;sop pue sae; ,sAauao ;e algeuoseaa `o; pa ;!wll;ou ;nq `bulpnlaul'LZ gdw6eaed sly; ul papinoad salpewaa ay; Buinsind uI paaanoul sasuadxa Ile 1001103 o; pal ;l ;ua aq !legs aapual •noel algeolldde Aq pa ;lwaed seipewaa moo Aue Aue pue ales jo aaMod ay; wpm!! Rena pue puewap Jewry ;noy ;lM;uawna;sul Allmon sly; Aq paanoas swns lie ;o lln; u! ;uawAed a;elpaww! alinbeJ Aew uol ;do s ;l ;e aepuel `aol ;ou ay; ul payloads amp aq; aao;aq JO uo pa= ;au sl;Ine;ap ay; •ales pue uol ;eaalaooe o; aaMoaaog ;o esua;ap say ;o Aue ao ;Ine;ap a ;o aoua;slxa -uou ay; passe o; uo fpe poop a 6ulaq o; ;q6! ag; pue conwelaooe as ;e a ;e ;sulaa o ;;g6la ay; ;o aaMOaaog waotu! aagpn; !legs aol;ou ayl •Apedoad ay ;o ales pue ;uawna ;sui AllmonS sly; Aq pampas swns ay ;o uol;eaalaooe U!;Insaa Aew eol ;ou ay; u! payloads amp a aao;aq ao uo imam ay; aim o; aanile;< ;ey; (p) pue :paano aq ;snw ;Ine ;ep ay; yolIM Aq `aaMoaaog o; uen16 si aol ;ou ay; a;ep ay; woa; sAep 06 wing ssal ;ou 'amp e (3) ;ine;ap ay; aim 01 paalnbaa uol ;oe ey; (q) :;Ine;ap ay; (e) :A ;loads Begs aol;ou ayl •(aslMaag ;o sepinoad noel algeolldde ssaiun LI. gdw6eaed aapun coReaalaooe o; aolad;ou ;nq);uawna;sul Allmon sly; u! ;uawaaa6e Jo;ueuanoo Aue jo yoeaaq S,aaMOaaog 6ulMollo; uoleaaleooe o; aolad a9MOaa08 0100110U anl6 Keys aapual •se!pawaH :uol;eaaiappy Le :sMollo; se eaa6e pue ;UeUOAO3 aegpn; aepue pue JeMOJJO9 SINVN3AO3 VkIOdINfl •uouoe dad le ;uewuoalnue JO A ;e ;es 't ;lea f o; a ;glaa leg; pe ;Boo! s! Apedoad eq; eaegM uolpoipsunf eq ;o SMe! pue SMeI sueew „Me Ie ;uewuoi!Au3„ 'og gdga6eaed sly; u! pesn sy •since ;ew enl ;oeolpga pue `epAgepiewao; JO so;segse 6ulule ;coo stelae ;ew 'slumps ell ;elon `seplolgieg pue sepl3I ;sad olio; `s ;onpoad wneloa ;ad olio; JO eigewwel; sag ;o 'euesoaeN `eullose6 :seoue ;sgns 6uIMollo; eq; pue Mel le;uewuoalnu3 Aq saoue ;sgns snopaezeg JO olxo; se pain ;ep seoue ;sgns esog; aae „seoue ;sgnS snopaezeH„ `0Z gdea6eaed slq; u! pesn sy Mel Ie ;uewuoalnu3 g ;IM aouepa000e u! suol ;oe le1pewei Aaesseoeu Ile mig; Al ;dwwd !legs JOMOaaog `AJesseoeu s! Apedoid eq; 6ul ;oe ;e eoue ;sgnS SnopaezeH Aue ;o uope peweJ aeg ;o JO Ienowaa Aue imp `A ;cog ;ne Aao ;eln6ea JO Ie ;uewweno6 Rue Aq pet ;l ;ou 91 JO `sweel JeMouog ;i •e6pelMowi !enpoe seg aeMouog golgM ;o Me le ;uewuoa!Au3 JO eoue ;sgnS SnopluzgH Rue pue i(pedoad eg; 6ulnlonu! Aped elenlad JO Aoue6e fuo ;einbea JO Ie ;uewweno6 Aue Aq uol ;oe aeg ;o ao ;msMe! `puewap 'wield `uol ;e6psenu! Aug ;o eol ;ou ue ;uM aepue eni6 Apdwoad Begs aeMaaaos 'Apedoad eg ;o eougue ;clew o; pue sesn lei ;ueplsaa Iewaou o; a eudoadde eq o; pez!u600ea Alleaeue6 am leg; seoue ;sgnS snopaezBH ;o sal ;l ;uenb news lo Apedoad eq; uo e6eao ;s ao'esn 'eouesead eq; o; Aidde ;ou pegs seoue ;uas OM; 6ulpeoeid eql •Meq IB ;uewuoa!Au3 Aug ;o col ;elo!A u! s! leg; Apedoad eg; 6ul ;oe ;e 6uly ;Aue `op o; esie euoAue Mona JOU 'op ;ou Hugs aeMoaaog 'Apedoad ay; u! JO uo saoue ;sgnS snopaezeH Aue eseelaa Jo'e6eao ;s lesodslp 'esn 'eoueseid gig; puled JO esneo ;ou Heys JOMOaaos •saoue ;sgng snopaezeH •Oe 'Me! algeoildde Aq parbeJ uopewao ;u! sag ;o Aue ule ;coo oSje IIIM OOl ;ou eql epew eq pinogs s ;uawAed golgM o; sseappe eq; pue aaolnaag ueoi Meu eg ;o sseippe pue eweu eq; ems II!M eo! ;ou egl 'me! elgeolidde pue enoge bl gdea6eaed g ;IM aouepa000e u! e6uego eq; ;o eol ;ou ua ;uM UeAI6 eq IoM aaMOaaog `JeolnaeS ueoi eq; ;o e6uego a s! aaag ;l a ;oN ay ;o ales e o; pe ;eiaaun aaolnaes ueoi eg ;o se6uego (Mow ao euo eq Aew osie aaegl luewnpsui A ;unoeg slq; pue eloN ey; aepun enp s; uawAed Alt ;uow s ;oelloo ;ey; aeo!/ue9 ueol„ eq; se uMOUN) A ;l ;ue ag; u! e6uego e u! ;lnsaa Aew eies v •JeMOaaog o; eol ;ou aoud ;nog ;lM saw!; wow JO euo plos eq Aew ;uewna ;sui A ;unoeS slui q IM s041e60 1) a ;ON ag; u! ;seas ;u! legJed e JO eloN eql •Je3IAJaS ueoi ;o a6ueg3 :a ;oN ;o GIBS '61. L; gdea6saed aepun uol ;eaeleooe ;o eseo au; u! Aidde ;ou hags e e sulaa o ;g6u slq; `aeneMOH •paaan000 peg uol ;eaeleooe ou ;1 se enl ;oeile Alin; u!ewea Hugs Ageaag paanoes suol ;e6llgo eq; pue ;uewna ;sui A ;unoeS slip `aeMoaaog Aq ;uewele suies uodN 'pe6uetoun enul ;uoo pegs ;uewna ;sui A ;unoeS sly; Aq paanoes swns alp Aed o; uol ;e6pgo s,aeMoaaog pus Apedoad eq; u! s ;g6u sdepue-I ;uewna ;sui A ;unoeS sly; }o ue!! eg ;eg; einsse o; ealnbea Algeuoseea Aew aepuei se uol ;oe yons seNe; (p) pue :see; ,sAewo ;e algeuoseea 'o; pa ;lwll ;ou ;nq '6ulpniou! ;uawna ;sui A ;unoeS sly; 6uloao ;ue u! paaanou! sesuedxe He sAed (3) :s ;ueweea6e JO s ;ueuenoo aeg ;o Aug ;o ;ine ;ep Aue seano (q) :paaan000 peg uo! ;eaeleooe ou;! se eloN eq; pue ;uewna ;sui A ;unoeS slg; aepun enp eq pinoM ueq; go!gM swns He aepuei sAed (e) :aeMoaaos leg; eau suol ;lpuoo esogl ;uewna ;sui A ;unoeS slg; 6uloao ;ue ;uew6pnf e Aa ;ue (q) ao ;uewna ;sui A ;unoeS slq; u! peuie uoo ales ;o aeMod Aue o ;uensand Apedoad eg ;o ales a o;aq ;uewe ;e ;sulea ao; A ;beds Aew Mel a geondde se poped aeg ;o yons JO) sAep 9 (e) ;o aapee eq; o; aopd awl; Aue ;e penu! ;uoos!p ;uewna ;sui A ;unoeS s!y ;o ;ueweoao ;ue enet o ;q6u ey; aneg Hugs aeMOaaog `suol ;lpuoo ulepOO spew aaMOaao9 ;I •a ;e ;sulea 01 ;g6!H S,JOMOJJOg •9L •ieMoaaog uo puewep a0 eol ;ou aegpn; ;nog ;iM ;uewna ;sui A ;unoeS slg; Aq pe ;lwaed selpewea Aug e onu! Aew aapua1 'potted sly; lo uoilea!dxe eq; o; aoud swns asap Aed o; sue; aeMOaa09 fl luewna ;sui A ;unoeS S!4; Aq paanoes swns pe Aed ;snw aaMOaaog golgM wpm penew ao peJennep s! eol ;ou aq; amp et; woa; sAep 0c ueq; ssei ;ou ;o pouad e epinoad Heys eol ;ou egl 'uol ;eaeleooe ;o eol;ou aeMOaaog en!6 Heys aepueg 'uoi ;do s!g; sesloaexe aepue ;uewna ;sui A ;unoeS s!g ;o amp ag ;o se Mel ieaepe; Aq pa ;Iglgoad s! esloaexa iepuei Aq pesIoJexe eq ;ou !legs uo! ;do slg; `JOAeMOH luewna ;sui A ;unoeS s!y; Aq paanoes swns ng lo !In; u! ;uawAed a elpeww! ealnbea `uol ;do s ;l ;g `Aew aepuei ;uesuoo ue ;uM aoud s,aepuei ;nog ;lM (uosaed lean ;eu a ;ou s! aaMOaaos pue peaaa ;sues; JO pios s! aeMOaaog u! ;seJe u! ieiol ;eueq a ao) pease ;SUea ;ao !Dios s! 3! u! ;saga ;u! Au5 .10 Apedoad eq ;o pad Aue .10 HB ;I •aaMOJJOg U!;saaa;ul leloyauag e JO A iedoad 9y 110 aG ;sueal 'LL ;uewna ;sui A ;unoeS slg ;o pue eloN eg ;o Adoo pewao ;uoo euo ueni6 eq !legs JSMOaao9 Ado s,aannoaaog '91, 6 0 1 lit 9 0 'ON NVO1 IMP iiie9S10 LOAN NO. 061251 1 1 0 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 ❑1 -4 Family Rider Graduated Payment Rider El Planned Unit Development Rider 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: '-'-4 (Seal) L a r r y A Allred Borrower Social Security Number 520 76 [tiC 1 (Seal) Ronda Gaye Al l red Borrower Social Security Number 520 Social Security Number Social Security Number [Space Below Thls Line For Acknowledgment] Lincoln County ss: STATE OF WYOMING, The foregoing instrument was acknowledged before me this June 6 2000 (date) by Larry L Allred and Ronda Gaye Allred (person acknowledging) My Commission expires: 6 1`/-04. WYOMING SINGLE FAMILY FNMA/FHLMC UNIFORM INSTRUMENT FORM 3051 9/90 ISC /CMDTWY //0491/3051(9 -90) -L PAGE 6 OF 6 (Seal) Borrower (Seal) Borrower