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Loan 8023372
Application PHILLIPS, K 2 N D
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(ii) Borrower defaults by failing, for a period of thirty days, to perform any other obligations
contained in this Security Instrument.
(b) Sale Without Credit Approval. Lender shall, if permitted by applicable law, require immediate
payment in full of all the sums secured by this Security Instrument if:
(i) All or part of the Property, or a beneficial interest in a trust owning all or part of the Property, is
sold or otherwise transferred (other than by devise or descent) by the Borrower, and
(ii) The Property is not occupied by the purchaser or grantee as his or her principal residence, or
the purchaser or grantee does so occupy the Property but his or her credit has not been approved in
accordance with the requirements of the Lender.
(c) Default Interest. If Lender has not received the full monthly payment required by the Security
Instrument by the end of the thirty calendar days after the payment is due, Lender may increase the
interest rate as described in Paragraph 2 of the Note to twelve percent (12 Lender may choose not to
exercise this option without waiving its right in the event of any subsequent default.
(d) No Waiver. If circumstances occur that would permit Lender to require immediate payment in
full, but Lender does not require such payments, Lender does not waive its rights with respect to
subsequent events.
9. Reinstatement. Borrower has a right to be reinstated if Lender has required immediate payment in
full because of Borrower's failure to pay an amount due under the Note or this Security Instrument. This
right applies even after foreclosure proceedings are instituted. To reinstate the Security Instrument,
Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including,
to the extent they are obligations of Borrower under this Security Instrument, foreclosure costs and
reasonable and customary attorneys' fees and expenses properly associated with the foreclosure
proceeding. Upon reinstatement by Borrower, this Security Instrument and the obligations that it secures
shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not
required to permit reinstatement if: (i) Lender has accepted reinstatement after the commencement of
foreclosure proceedings within two years immediately preceding the commencement of a current
foreclosure proceeding, (ii) reinstatement will preclude foreclosure on different grounds in the future, or
(iii) reinstatement will adversely affect the priority of the lien created by this Security Instrument.
10. Borrower Not Released; Forbearance by Lender Not a Waiver. Extension of the time of 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 successor in interest, 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.
11. 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 8.b. 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.
12. 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
address Lender designates by notice to Borrower. Any notice provided for in the Security Instrument shall
be deemed to have been given to Borrower or Lender when given as provided in this paragraph.
13. 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 provision of this Security Instrument and the Note are declared to be severable.
14. Borrower's Copy. Borrower shall be given one conformed copy of this Security Instrument.
15. Assignments of Rents. Borrower unconditionally assigns and transfers to Lender all the rents and
revenues of the Property. Borrower authorized Lender or Lender's agents to collect the rents and
revenues and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents.
However, prior to Lender's notice to Borrower of Borrower's breach of any covenant or agreement in the
Security Instrument, Borrower shall collect and receive all rents and revenues of the Property as trustee for
the benefit of Lender and Borrower. This assignment of rents constitutes an absolute assignment and not
an assignment for additional security only.
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'Apedoad eql u! aennop pue Asalano ;o sl46la
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202
\`E
A portion of the Imlay property referred to in Instrument No.
865637 recorded in Book 445 P.R., on Page 55, all in the
NE1 /4SW1 /4 of Section 11, T34N, R119W, of the 6th P.M., Lincoln
County, Wyoming, being more particularly described as follows:
BEGINNING at an Iron Pipe Set at a point in the West line of
the above referred to properties, said point being 171.30 feet
S0 °08'17 "W from the B.L.M. type Monument marking the Baker
Engineers PE /LS 698 location for the Northwest corner of said
NE1 /4SW1/4 (CW1 /16 S11); thence S88 °43'34 "E 261.47 feet to an
Iron Pipe set at a point in the East line of said Imlay
property; thence SO °08'17 "W, along said East line, 172.03 feet
to an Iron Pipe set marking the Southeast corner of said
property; thence N88 °33'59 "W, along the South line of said
property, 261.48 feet to an Iron Pipe set marking the Southwest
corner of said property; thence N0 °08'17 "E, along said West
line, 171.30 feet, to the Point of Beginning.