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Home My WebLink About866567m 'RrLsAse This, Mort gage SEE 880IL 2' MOITIAW ►mf r WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007688690 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated June 20, 2 0 0 0 together with all Riders to this document. (B) "Borrower" is RICHARD E NIMMO and GENEVA L NIMMO, husband and wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. Lender is a Corporation organized and existing under the laws of The United States of America Lender's address is 485 Washington Afton, WY 83110 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated June 20, 2 0 0 0 The Note states that Borrower owes Lender Eighty Thousand and No /100 Dollars (U.S. 80,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than July 1 2007 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. i i D i B Space Above This Line For Recording Data i u i u WYOMING- Single Family-- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT LT. 3/00 866567 MORTGAGE BOO K�.___..�_PR PAGE_ RECEIVED t t:1 00 JUN 21 1(EMMCi ER', WYOMING Form 3051 3/00 (page 1 of 15 pages) MWYO1CV (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider ILI Balloon Rider 1-4 Family Rider (A) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" mean those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does Loan Number:0007688690 Condominium Rider Planned Unit Development Rider Biweekly Payment Rider W YOMINGFSingle Family-- Fannla Maa/FnddN Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Infials Second Home Rider Other(s) [specify] 47 b mm 3051 3/99 (page 2 of 15 pages) MWY02CV A3COAMPI (seBed gl /o a eBed) ee/e toe uuom 00/C '1'I JN3WntliSM PniodINn oe►ry •PPemle•PI •UUed-•Alewed eteu!SONIWOAM 069289L000:JegwnN ue0-1 •zaJsutzZ spund anrozloaia (p) JO Alrpua zo `,Citie1uanmzlsu! `Aoua8r ivapaj r Aq paznsu azr sgsodap asogm uopnlpsui ur uodn umgzp sT 3ioaga mans Niue papptaid `oioago s,zatgseo JO /aago s,zaznsrap '3ioa 3rueq 'vow pampao (a) `zapzo Amour (q) `gsgo (t) :zapuarl ,iq pops se `suuoj 2uphopo3 alp jo azour JO auo III aprm aq ivatun Tsui AlunoaS snit pur aloN alp zapun anp sivamArd luanbasgns iln zo Cue irtp azmbaz Arm zapuri `piedun zapuri of pauzniaz si luaanulsul Alunoas snp JO 010N ail zapun luatuArd se zapu3 I ifq panraoaz luaum riot zatllo JO voila Jiut 3T `lanamoH •Aauazzno •s•il ar apeur aq ijrgs 1uamnzlsul IClunaas s!g1 pun aloN alp zapun anp sluauWICrd uoiloas of lurnsznd small mozosa zoj spun; Aed osie pegs zamozzog •aloN alp zapun anp saRznga girl put sa.n qo luamuArdazd Liar pue a1oN alp Aq paouaprna igap atil `uo Isazalu! lour `3o ird!auud alp anp uagm Std pugs zamozzog °sa8aeg0 alei pure 'sagango luatuSedaad 'small Moaasa 'lsaaalul 'isdiauiad jo luaw,Cud •j :smofo3 se aazSt par 111r110n00 zapua-1 pure zamozzo •S.LNVManoD inploa Atri Alzadozd iraz 8utzan03 luamnzlsat Alunoas wzo3Jun t aln1llsuoa o1 uozloipsunf Aq suoprurA paluuri ippkt sluruanoo uuo ;tun -uou pun asn peaotlra zo3 sluraanoa wzo ;tan saurquroa 1NaNif12LLSNI SIHI •pzooaz jo saourzgtunoua 'Cur of loafgns `spurmap pur smreio lie lsuir8e ,Clzadozd amt of app amp �Iirzaua� puapp JJTM pur slurzzrM zamozzog •pzoaaz ;o saaurzqurnaua zoj ldaoxa `pazagtunauaun st AUadozd ail pep par AUadozd alp ICanuoa pun 1urz8 `a8e8UOm of Tipp aql stg put paAanuoa Agazag alrpsa ail 3o pastas Aiin►3mri sr zamozzog MI) S1AIV■IaA00 2IaMO'U OH „•,CUadozd„ am sr luai:mural AlunoaS slip uT of pazza;az sT Su1oRazo3 alp ;o ild •luatutulsuI AlunoaS snip Aq pazanoa aq osig 1ntis suoilrppr par sluauraoridaz iiy •AUadozd agp jo lord n zaljrazag zo mou saznlxp put `saautuaUnddr `sluaurasra Ile pue `i(Uadozd aup uo paiaaza zalpgalag JO Mou sluamanozdWT aup pr HIIM 2IaHZaDO.L „ssazppy iCpadozd [1 [dTZ] Elms $uoicM 3NV1 30V110O L££ [AID] 3NId1V 3o ssazppr agp seq Apuazzna gapim 'A03113111 1Vld 1VIOIHd0 3111 NO 038IH3S30 SV 9NINOAM `AIN1100 N10ONI1 `NOISIAI08fS NOISONIAI1 NO31 NI (6) 3NIN ONV (8) 1H0I3 8101 [uotloTpsunf Srnpzoaa2i JO aureN] [uopotpspnr BuTpzooaj jo adLCy] N100NI1 ;o A.LAMIIOO alp uT palrooi Alladozd paquosap 8tnmoiioj alp `airs jo zamod 1p M `saBTssr put szossaaans s pug zapua-1 01 Aanuoa par luez8 `aSg3potu iCgazaq 4, 4... i 9` 0 Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) 'Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any Loan Number:0007688690 WYOMING-Single Family- FannI. Mae/Fraddb Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initial 478 Form 3051 3/99 (page 4 of 15 pages) MWYO4CV A3 OAMW (seBed gt to g et3ed) ewe Mt uuo Ie1uUl $IeWUI oo/ '1'I 1N3PIflYLSNI PIHOAINfl e%1 •IPPLdNUW e!uuty- /ylwej eI 069889L000:JagwnN ueo� iraai `ut uaii aq3 JO 3uaataOZO3ua 3suieSe spuajap JO `,fq ipm poo8 at uaii OT maiuo° (q) :3uatuaaiSe tons Suituzojzad si mamoiiog se Buoi os Sum lnq `zapua- of aigsldaoor zauueuz g ui uaij a p i(q pains uoprgugo aq3 jo 3uautAed am of 8upuM ut saazSe (r) :zamozzog salon mamma' /Clumps sup Jan) X3uoud srg gotgM uag ,Cue a2JSgosip ,Cpdtuomd !Teas JOMOIJOg uopoas ui papinozd zauaeui atp ui ma pied !legs Jamozzog 'small MOZOSa OH stua3i OPT 3et11 3u03x0 atp oy Cur 3i `s3uatussassy pas `saad `sang uoi3eioossv 1i3tuntuuoJ pus `Cue 3i uadozd alp uo s3uaz punoz3 JO sJuautiCsd piogasrai `3uautnusui A3unoas sup zano iCluoud uir33r use ipnim IC1JadoJd atp of aigrmquur suoptsodwr pug 'soup `saSzsgp `sluatussassr `saxs3 lie Agd iistis JamofOg •sua17 :saareg3 •y •Japual plat spung Cur JamoJlog o3 punjaz Apdtuozd iiegs zapuaJ `3uautni3sui A3unoas sup Aq paznoas sums lie jo iin3 ut mallard uodfl •sivautAed ACit3uoul aniam3 ustp amour ou uI 3nq `vdSa2i t3TM aouepz000s ui ,Couatogap at3 do aAetu o3 kirssaoau 3unotue am zapur o3 pied !legs Jamauog pus `ddsau i(q pazmbaz se Jamozzog Ajpou iirgs zapua'i `ddSgH Japun pauuap sr `MOZOSa ui piaq spung JO Aouaiogap a si amp 3i •s2uatuArd Xitpuoul aniaMl urtp amour Ou ui mg `VdSa2I IPTiet aouspzoOOe ui aSe3iogs am do 03irat 01 ,iJrssaoau MOMS aql Japaa- o3 dsd !legs JOMOJJOg pus `ydSaI dq pazmbaz Sr Jamozzog Ap1011 iiegs Japua-i `ii'dS32i zapult pup se `MOJOSO ui ppq spung 3o aSs3zogs a Si amat3 JI °VdS321 114m aousp1oOOR ut spun; ssaOxa alp JOJ JaMO.uog o3 3un000e iisgs Japun `Vasa I Japun pautpap sr `MOJOSO ui piaq spung 3o snidzns a si azag3 3I •ddSr32I Cq pazmbaz se spung atp jo Sur un000e irnuue us `aSzrgo 3notpiM `zamouzog o3 ani8 iirgs zapuari spun am uo pied aq !tugs 3saza1ut 3et3 `Janamoq `Supum ui aa1S1 urn zapua3 pus JOMOJJOg •spung aql uo sSultura zo 3saza3ui Cur zamozzog Ard o3 pazmbaz aq 3ou urtis zapua-i `spung ati3 uo pied aq o3 3saza3u! sazmbaz mt-i aiggoiiddy JO Sui3uM ui apeal si 3uautaa1SR ue ssaiafi •ORJetO s tons alum 03 Japan s3muad ms-i aigeoiidd d pus spung alp uo Isaza3u! 1amozzog sArd zapuaj ssaiun `small mimosa at3 SuTJuan JO `3unoOOS mama am Butz/Ciear Ajsttttar `spung a1il SuiiCiddr pus Suipioq J oj JOMOJJOH aS1s p Sou putts zaPua'J °vdSa2I Japan pagioads atut3 atp ump Ja3si ou sula3i matosg aql iCrd 03 spung atp Aiddr !legs zapua-i •3iusg uro autoH iszapad Cur ui JO (paznsut os OJe s3isodap asogM uoi3n3t3SRt ur si zapua-i 3i `Japan Suipnpui) S pua JO `A31pT uauinJ3sui `,(oua5r iszapa3 s paznsui OJS slisodap asogM uoi3n3i3sui ur ui piaq aq imp spund agy •Me-j aiggoiiddy tpim aouepz000e ui asimzatpo Jo sma3i mimosa azn1n; 3o sazn2ipuadxa 3o sa3empsa aigsuoseaz pus stsp 3uazzno ;o sissq agl uo anp spun JO 3unotur at3 artupsa !Tugs Japua-i ddSa)i Japun azinbaz uro zapuai r 3unoutr tunutnceut am paaoxa o3 3ou (Z) PIIe VdS22I Japun pa!J!Oads amp atp 3e spung atp Aiddr o3 zapuaJ 3muad o3 3uaioujns (T) 3unoute ue ui spund P1Oq Pug loajj0O 'amp ,Cue 35 `,ieut Japan uopoas sup Japun pazmbaz uatp ale 3etp `s3unOtus Bons ui pus `spung lie JapuaZ o3 Aed ins JOMOJJOg `uop5OOnaz gins uodn `pug Si uopoas tpTM aousp000r ui uani8 aOpou s Aq amp Cue 3e staa3T Mo1OSa lie zo ,Cur o3 se zanIrm am a}ionaz Artu zapuaj •3unotue lions Ain zapual o3 ,Csdaz 03 6 uopoas Japan palsSggo aq ua iigts Jamozzog par 3anou r lions Aed pm 6 uopoas Japun s3gSu s3i aspzaxa Aelu Japua-i 'man mimosa ur zo3 anp 3uummtr alp 1Ced o3 site3 zamozzog par `zanirm a 03 3usnsznd `ICpoanp sata1i mama Asd o3 pairSiigo si Jam0,uog 3I •6 uopoas ut pasn si 3uautaa1Ss pur 3ueaanoo„ asrzgd am sr `3uautnz3sal Animas sup ui pauteluoo 3uautaa1Se pus 3asuan0O s aq o3 pautaap aq sasodznd its zo3 lugs sldtaoaz apinozd 03 pus s3uam/Ced lions mum o3 uoprgugo s,zamo1zog •azmbaz Arm zapun se pouad amp tons ullpTM 3uatu1Cgd lions Supaap /to sldpoaz zapua-i o3 gsiuznj !legs `sannbaz zapua-i 3i `pus zapuaj ,Cq paAmm uaaq sal sptmd JO 3uatu1ed goulm Io3 Stua3i mama Aus Joj anp s3unotus am `aige1ed azagt pus uagM `1Cpoazip 1Crd !legs JOMOJJOg `JanTTM lions jo 3uana am in •SU UM ui aq /CTuo Aral Jani5M lions proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; 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 can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. 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, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone determination, certification and tracking services or (2) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if Loan Number: 00 07688690 WYOMING-Single Family -Fannie Maa/Freddle Mae UNIFORM INSTRUMENT I.T. 3/00 Initials Initial 4 Form 3051 3/99 (page 6 of 15 pages) MWYO6CV AOLOAMw (seded gt {o e6ed) ewe isoe uuoi Tf3V oo, •1 1N37ntusto rooamin O*w •PP•dMe■ quultA--A UNj BIOu!S-ONIMIOAM 069889L000 :JegwnN ueoi •asnuo ajgguosraz gons Sutjioads uopoadsur zouaaut uE gons 03 zoud so JO aau 3 atp 3E aOpou zamo.uog an!S IIEgs zapUai •A31adozd atp uo s3uatuanozdutt agp jo zouami alp padsut Arat lapua-j `asnuo ajgruosraz srg 3l 3I A ;zadozd alp jo suopoadsut pug uodn sau3ua algEuosraz app m Arm 3uaSE s31 JO zapurj •uopulo3sal Jo 1!Eda1 gons jo uopaidtuoo alp to; uoprSggo s,zamo11og ;o panatiaz 3011 si zamozzog q3zadozd atp aims= zo .nrdaz o3 3uato1J;ns 0011 azg spaaoozd uoprumapUO0 Jo aongznsui alp ;i •paaaidutoo st 3[10M gip sr s3uauard ssazgozd jo sus E ut 10 3uatuArd aiSuts g 111 uopg1o38az puE snudaz an 1o; spaaoozd aszngsip (gat zapuar •sasodznd irons Jo; spaaoozd pasraiaz srtl zapua' ;T Aluo A3ladoJd ag3 Suuopsaz JO Suun daz zo; aTgtsuodsaJ aq !lugs Jamozzog `i(31ado1d an ;o Sugu3 atp JO `03 aSEUrep g31M uopoauuoo 111 pird azg spaaoozd uopt utuapuoo 10 aougznsut •aSEtmp 10 uopVZOua3ap zagUttj pions o3 paffrump jl Auadozd asp nEdaz ACpdmold Timis lamozzog `algisraj ,Clproittouooa 3011 Si uopgzo38az 10 zirda1 3Egp S uopoas o3 3urnslnd paumuaaap sl ai ssaiun •uopipuoo 831 o3 anp awn u! Sutsrazoap 10 Suprioua3ap tu01j i3zadold an luanazd of zapzo 11! 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Aur zamozlog ,Cud o3 pazinbaz aq 3011 !iris 10131101 `spaaoozd a0urinsut gons uo pird aq o3 Isamu! saztnbaz tj ojquoiiddd Jo SupUM ut apecu sT 3uataaa1Sg ur ssaiun •pa3aldutoo st )!IOM an sr s3uatu10Ed ssaiSozd jo sagas r 11t 10 puatu,Crd ajSuis r ut 1101311103801 pug sziudaz an to; spaaoozd aszngsip Arm 101310-1 •,(pdm01d ualu3zapun aq imp uopoadsut gons imp papinozd `uo130E;spES s,lapua1 03 palaldtmoo uaaq srg vizoM am 01115110 03 (310d01d gons 3OadsUt o3 ,C1Tun3zodd0 uE put! srg 1013101 Spun spaaoozd 00urznsat gons ping o3 3g$ 0 13 3 an!g Buis Jopua'! `pouad uopm:1350z pug zirdaz gons SuunQ •pauassa! aou 5! ii3Tlnoas s,lapua-J par aJgTsuaj Apronuouo0a sT zigdaz Jo U013g103S0J 013 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (1) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (2) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (3) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and /or repairing the Property. Lender's actions can include, but are not limited to, (1) paying any sums secured by a lien which has priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Loan Number: 0007688690 WYOMING-Single Famfy- -Fenno Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 nitials Infial 482 onn 3051 3/99 (page 8 of 15 pages) MWY9$CV A060AMW (se5ed gi Jo 6 eBed) se/e iioe UM Id E8V 00/6 '1'I JN31WIt11SNI WW0AINf OIW MPPN4I""111 •M+.d AA A 9 1 8 UISONIWOAM 069989L000 usoi tuigio a ap3as o3 pznMn ug 031gcu 0) sza33o (aoua2uas ixau all ut paujap sr) /Curd 8ursoddp arm azga zamo.uog o3 zapual A aopou za33g `3l JO `zaMOZZOg pauopungn s! AUadozd ag3 3I •anp Imp an stuns am Iou JO zatpaIM ivauiiuisui A3tmoas sttii A pamoas sums alp o3 papddn ag iirgs spaaoozd snoauriiaosiini alp &ti3r1M ul aaae asTmzatpo zapua7 pue zamozzog ssaiun `amen uT ssoi JO `uoponz1sap 'Rupp; inpznd atp azopaq ,iiaiETpa tnzn pamoas sums atp jo 3unouig atp uggi ssai sl amen ut ssoi JO `uoporuisap '&1Diu1 igtugd aip azojaq Aia3gipatuml Auadozd am jo anion ziej am tioulm ul Auadozd atp ;o amen UT ssoi zo 'UOl3onz1sap '9upiei jgpzed a jo 3Uana atp uj •zaMOZZOg o3 pngd ag iietis aougigq Cud .amen ut ssoi zo `uopotu3sap `8ugei p pzgd am azojaq Aia3etpatutul Aizadozd atp jo amen 3avgtu ztn; amp (q) Aq paplATp amen ul ssOJ zo `uoponz1sap 'Rupp igtugd am amp(' AiaieTpatutu! pamoas sums am jo 3unotug mot atp (g) :uopogz3 Bu1Moloj atp Aq papdpinm spaaoozd snoaugiiaosm atp JO 3unomg atp Aq pampa' aq iigtis SUatmzisUi Aiunoas sup Aq pampas stuns alp TuiuxM ut aaz8n asTMZatpo zapuo-i pue zamozzog ssaiun 'amen ul ssoI JO `uoponz2sap igpzed ag3 azojaq Aia3nmpatuun 3uatUtuisui A3unoas sup Aq pamoas stuns atp 3o 3unot r amp ugtp zaieazg JO 03 innba si amen ut ssoi zo `uopotuisap `8upiei iepznd alp azojaq ICiaieTpatuuIT Auadozd atp 3o amen ia3izeai innj am goulm ul A3.tadozd atp 3o amen UT SSOI JO `uopotulsap lUt 3 Igpzgd n jo 31Ian0 an ui °zamozzog of ptgd 'CCU 3t `ssaoxa atp tptM 'op uatp IOU JO zatpagM `IuamnzisuI A3pnoas slip Aq pamoas sums atp of paTidde aq iris spaaoozd snoaueiiaos N atp `/Cuadozd alp 3o own ul SSOI JO 'uopotizlsap `dupim Imo) g JO 31I0n0 atp ui Z uopoas ut zo3 papinozd zapzo atp UT paiiddg aq hers spaaoozd snoauniiaOS!JA guns •zamozzog o3 mud 'Ifun 3T `ssaoxa atp mph `anp uagi 3011 zo zagmagM `ivatunzisui 'iiunoas sup A pamoas sums atp o3 paliddg aq hers spaaoozd snoaugiiaosip atp `pauassai aq mom Animas maptta-i zo aigr itiinoltuouooa 301 Si ztedat JO UOTinzois atp 3I •spaaoozd snoaugiiaosm goes uo s &utuzna zo Isaza3u! Sun zamozzog Xi d of pazmbaz aq Sou hers zapua-i `spaaoozd snoauniiaosm Bons uo pied aq of Isaza3Ul sazmbaz Ann-i aignoiiddy JO ffutUM Ut apgai st 3uatuaaz8g Ug ssaiun •paiajdtuoo si AzoM am se s3uauiAgd ssaz8ozd jo sus a uT zo ivatuasmgsTp apUTs g ut uopnzoisaz pus szlgdaz ag3 zoj Agd ,Gem zapua-j Apdmoid uawapun aq sings uopoadsui Bons 3gm paptnozd `uoponJspes s,zapua-i o3 paiaidtuoo uaaq sgg )izom am aznsua 03 Altadozd lions 3oadsUT o3 Aimnuoddo ug peg sal zapua-i ipun spaaoozd snoauniiaosm lions Not! o3 3g8u atp aneq purls zapua-i `pouad uopgzoisaz pug znedaz lions &tuna •pauassai Sou sT A3unoas mapuaJ pug aigisgaj Xiigoluiouooa si itgdai JO uopgzo2saz alp 3l iCizadozd atp JO zlgdai JO Uoligzo1saz of paiidde oq iietis spaaoozd snoaueiiaosm lions `pantugp sT Auadozd am 3I •zapuaj o1 pled aq ions pun o3 pau2Issg Agazag azn spaaoozd snoaugiiaos!YAI ld •aJn3ia3Jo3 :spaaaoad snoaugipaasryli Jo ivatu issd •1T •a1oN atp uT papinozd a2gz atp ie 3saza3ut 1 i d o3 uoi1 i qo s,zamozzog sioa33e 0I uopoas sup uT SuIgIom -i aigeotiddy A pazmbaz sl U0F3 U uua3 man zo uopEUTtual lions zo3 8utptnozd zapua-i pue zamouog uaaMiaq ivatUaaag Ua33uM /pug tplM aougpz000g ut spua aougmsui a2n8uoy4I zoj ivauiazmbaz s,zapua7 atp !pun 'anzasaz SSOI aignpunjaz -uou g aprnozd 03 JO '0033a ut aougmsai a8g8u0JA1 urunut i o3 pazmbaz stunmi id alp Aed jogs zaMOZZOg 'aougznsui a8g83zoj zoj sum-plaid alp pzemo3 s3uattard pa3gu8Tsap £ia1gzndas a3igau o3 pazmbaz SEM Jah011011 pug ueo7 am 8ut�inai 3o Uoptpuoo g sr aoUnznsUi a8g83zoN pazmbaz zapUa7 3i •aoUeznsai a8g8uoyAi zo3 sumuuazd alp pzgmo3 s3UatuAed pa1gu8lsap iCia1vedas sazmbaz zapua- pun `paup qo sl `aigejieAi sauiooaq un zapuaj A paioaias zamsul Ut A pap1nozd (sazmbaz zapua[ igtp pouad atp zoj pug 3unouig amp ut) a8ezanoo a0ugznsai a8n83.tow 31 s1uatuiigd anzasaz ssoi azmbaz za8uoi ou ueo zapua-i 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 Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. 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 Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to 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 any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer'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 can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property Loan Number: 0007688690 WYOMING-Single Family Fannie Mee/FnWd. Mao UNIFORM INSTRUMENT I.T. 3/00 484 am 3051 5/09 (page 10 of 15 pages) MWY1OCV AOLLAMII (se5ed g1 to i aged) sets Loot wio r IEluw BIBl.UI owe Ti iN3WnliLSt5 wtho Nn OVw SIPPud/m MUA- 4!W plows otimoAM 069889L000 u50-1 fuautnzfsu' ,Cfunoas sup jo put a10N am jo Adoo auo uanta aq ''tits zamouog •,fdop maMo.uog •LI •uopoe Cue ale) of uopr5itgo ,Cur inotptm uopazostp atos sani8 „that„ mom agf put `rszan aotn put "mid agf apnpui put uram ip qs zr'nRuts atp ut spzoM (z) `zapua5 aulutuiaj atp jo spzoM JO spzoM zainau 8utpuodsauoo apnpun par uuaui units zapuag augnosrm atp jo spots (I) quantum' Aiunoas sup ui pasn sy •uotstnozd Bupotipioo atp inotptm toaj ;a uant8 aq uto tiowAt atoN a p zo Juaurtuisui Aiunoas stgi jo suotstnozd zatpo toa33t Lou tugs ioluttoo gons `Mr-i atgeonddy tptM stou;uoo atoM a p JO tuaamutsui Atunoas step Jo asnrp JO uotstnozd Cur trip tuana alp ui •torziuoo £q fuatuaaL isutrWe uotttgigozd t st panztsuoo aq tau mils oxtails Lions tnq quoits aq itiffuu ft JO 13r4u03 Aq aai e of satutd alp mote Apiogduii JO ,Cppttdxa Nap nnt- atgtoitddy Mt- a 3o suoptttcuq put stuatuaztnbaz /Cur 01 pafgns azt ivatutufsu' ,itunoas step ut pauu uoo suoptffngo put sii12u Hy poi st Auadozd alp tplgm ui uopotpsunf app jo mrt app pue mr' trzapaj iiq pauzano2 aq tugs tuatu uisui 'itunoas sign •uorionusuop Jo saing :,Ciiitquaanas :A4 2upuiaAOJ '9I •taatunztsu' 'Cftmoas sup Japan tuauiazinbaz 8utpuodsazzoo aqi (jsprs "pm tuautazmbaz mr-1 a'gtoitddy aip `Mr-1 atgeotiddy zapun pannbaz osir st luaumitsui Atunoas step paztnbaz aopou ,Cue d' •zapua-i pantaoaz 'Cnrntor 'pun zapua1 of uanTW uaaq anrg of pauiaap aq Lou 'hits fuatuuz3sa' Amunoas stip mph uopoauuoo ut aopou Auy •zamozzog 01 aopou /Cc' ssazppr Jatpout pafruRTsap seq zapun' ssatun utazag paths ssazppr s,zapuaj of 'mu Ssrp tsig Xq tt &utittui Aq zo iT guuannap Rq uant8 aq net's zapua-i 03 aopou i(uy •a up auo Cur ft fuatunzisui LCtunoas sup zapun ssazppr aopou patru8isap auo /quo aq Amu azatu, •aznpaooid paiitoads trip g2nozip ssazppr jo a8utgo a fzodaz Alm) ergs zamozzog uaip `ssazppr jo aSuego S,zamozzog 3ugiodaz zoj aznpaoozd r sagpads zapuaj 3i •ssaippr jo oWurgo s,zam0110g 3o zapuaZ ,CStiou Apdtuozd netts zamozzog •zapun-' of aopou iiq ssaippr aopou ainfpsgns pafru2Tsap stq z0m0zzog ssa'un ssazppy ,Ctzadozd alp aq tugs ssazppr aopou ata •asTMZatpo sazmbaz Atssazdxa Mt-i aigtot'ddy ssatun szamozzog "r of aopou 03113psuoo imp zamozzog auo Cut 01 aop0N •saraui zaipo Aq funs 3T ssaippr aopou s,zamozzog of pazanttap LCnrnfor uagM JO 'tai ssrp isiTj Aq patina uatim zamozzog O3 uantff uaaq anti of patuaap aq 'tits tuatutuisui ,Ctunoas sTip iptm uopoauaoo ui zamozzog 01 aopou iCuy •8upum ui ag tsniu tuaamztsai Aitznoas stip g3tM uopoauaoo ui zapun zo z0m0zz0g Aq =ma saopou tty •saapoN •gi •aSzrgozano gons 30 3110 Sutsut anrg 3g2'ttu zamozzog uopor ;o 11"41 iCut jo zantrM t ain3psaoo tuts zam0zzog of tuatuArd ram) ,Cg open' punjaz tons ,fur jo aour3daoor s,zamouog (a3oN a p zapun zoj papinozd st a8zrtpo 3uautArdazd r 3011 JO zaipatiM) aSzrtio 3uauiAedazd JCur moipim 3uatu1irdazd triurd se 'vim) aq Ii!M uoponpaz app `trdpuud saonpaz puttlaz r 3' •zamozzog of 3uatu1Crd toazip e &ut3tea1 Aq JO MOM app zapun pomp Itdtouud app StiTonpaz punjaz sup oral 03 0S00110 iCriu zapua-i •zamouog 01 papunjaz aq'jiM smut' paimat d papaaoxa gopim zamozzog uzozu pa3oa'l ,ipraztr sums Cur (q) par :ittutt patittuzad alp 01 a5Jrgo app =poi of iCzessaoau 3unotur alp dq paonpaz aq "rqs aBzego uro' gons kr (r) :uaip 'small pa3inuzad a p pox uroq a iptm uopoauuoo ut patoai'oo aq 01 JO pat3atI03 SaSzego uro' zatpo zo 3saza3ut alp trip os patazdzaiut Amuu st Me' teat put `Salrego uro' amutpmm pas gotgM Met t 01 foafgns st uto-i alp n •Msi atgtonddy fiq JO tuatunzisu' Atunoas stgi Aq pattgigozd ,Cissazdxa azt 3ttp sooj a8ztgo ton )(tai zapua-i •aaj gons jo 8ut8zrgo app uo uoptqujozd t sr panztsuoo aq 3011 ergs z 03 aaJ otipads t aWzrgo o3 tuauznz3sai 1Ctunoas STip ut ii3uotpnr ssazdxa jo aouasgt agf `saaj zarpo Cur 01 pit ?az uI •saa; uotirtgen pus uopoadsut c`�<n r 40 tAi 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by federal law. 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 given in accordance with Section 15 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. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (i) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (ii) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (iii) 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, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and 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 Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might 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 which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA Loan Number: 0007688690 WYOMING Single Family Fannie Mae/Freddie Mee UNIFORM INSTRUMENT I.T. 3/00 Initial a Initials 486 OTT 3051 3/99 (page 12 of 15 pages) MWYI2CV AMMIAM I (se5ed lit Jo lit e8ed) ee/e 1.9os mio IBlllul Slelpu 00/£ '1•I 1N]VdAULSNI WtlodINfl a'W'IPPNI"W eluuy-Anured BI 0698 ue o-i •dnueaj3 ieluautuozrnug ue zo; zapuaj uo uope2tjgo due aleazo jjegs uinzaq ffucglox •Me-j pluautuozinug ini■ nouepz000e ui suoiloe maim dzessaoau ije a3jel CpdUtozd nulls zamonog `dzessaoau si dlzadozd alp WupOa33e aouelsgns snopezeH due JO uopeipatuaz zaglo JO jeAOUZa1 due 1eg1 `dlzed alenud due JO `dluotjlne dzolejngaz JO jeluatutuano2 due dq pagpou si JO `aura] 1a/wit/oil 3j •dlzadozd an ;o awn agl s1Oa33e djaszanpe goiqM aouelsgts snopzezeH a 3o aseajaz JO asn `aouasazd aj1 dq pasneo uopipUOO due (E) pue `aouelsgns snopezeH due ;o aseajaz 30 maim JO aseajaz `aSzegOSip luppaj `ffui11tds due `o1 palm!! 1ou inq &utpnpui `uopipuo3 jeluatuaozinug ,Cue (Z) 'aBpajMouoi purr seq zamozzog goiqM 3o Me-j jeluaWWUOZinug zo aouelsgti snopzezeH due pue dlzadozd alp $uinjonui /Cued alenud JO doua ?e Aiming= zo jeluautuzanog due dq uopoe nip JO 1msMej `puetuap `tupp `11011eBpsanui due (j) JO 2O13011 11011UM Japua-j ani8 dpdtuozd ijegs zaMOZZOg (slonpozd zatunsuoo ui saouelsgns snopezeq `01 palmup lou lnq `8uipnpui) Clzadozd agl 3o aoueualumu of pug sash jepuapisaz jeuu0u of aleudozdde aq o1 pazjuBooaz djjezaua8 aze letil saourlsqns snopzezeH jo sapiluenb jjetus jo )(lzadozd atp uo age10ls JO `asn `aauasazd aq1 01 djdde 101 Timis saoUaluas onto 8uipaoazd agZ •dlzadozd agl 3o omit alp s1oa33e djaszanpe Imp uoilipuoo a saran `aouelsgns snopez1H a 3o aseajaz zo `asn `aouasazd alp o1 anp `goiqM zo uopipuo3 jeluamaozinug tre saleaJO goiqM (Z) `Mr-j jeluatuuozinug due 3o uoilejotn tit st 1eg1 (j) dlzadozd alp Rui1Oa33e ffuigldue `op 01 asja auodue mom JOU `op jou jjegs JOM0110H �ilzadozd aq1 LIT JO 110 `sa3Uelsgt>S snOpIBZRH due aseajaz o1 ualeazgl zo `saouelsgns snopzezEH due 3o aseajaz JO `02ezolS `iesodsip `asn `aouasazd agl lnuzad zo asneO 1ou jjegs 1am0zz0g dnueaJD jeluatuuozinug Ue zaa2p2 aspirin JO `01 alnquluoO `asneO ueO 1eg1 uopipuoo e arrow „uoilipuoj jeluatuaozinug„ ue (b) pug Me-I jeluatUUOZinug ui paupap se `uopoe jenOataz zo `uopoe ieipautaz 'uopoe asuodsaz due sapnjoui „dnueajj je2UatIUOZinug„ :UOpoalozd I111uaUtaozinua JO dlaJes `tpjeaq of alejaz 1eg1 paleooj st dpadozd alp azagM uoipipsunf aq1 3o sMej pue star' jezapa3 sueaut „M1'j jeluaiuuortnug„ (z) :sjeualetu anpmeotpez pue `apdgapjeuuo3 z0 solsagse SuiUieluoo wpm= `s2Uanjos ajtlejon `sapiOigzaq par sappilsad oixol `slonpozd utnajozlad Oixol zo ajcpurturp zaglo `0u0soz031 `augosrS :saouelsgns 2uTMojjoj atp par Me-j jeluatuUOZinug dq sals1M zo `sluelnjjod `saouelsgns snopzezeq JO O701 se paugap saouelsgns asotp air „saouelsgns snopzez1H,, (j) :iZ uoi23as sigl ui pasn sd •saauu1sgns snopmzUH •1Z •0Z u sigl 3o suoisinozd uopoe anpoazzo0 a3je1 01 dliunlzoddo pre aotlou an iJspes o1 patuaap aq jjegs 81 uopoas o1 luensznd zam0110g 02 Uani3 uopezaja0O1 ;o a0p0u gip pue ZZ uopoas o1 luensmd zamozzog of uant2 amo of Clianlzoddo put uopezajaOOI jo aOpOU atgj, •gdeAezed sjtp jo sasodznd zoj aigeaoseaz aq 01 pautaap aq 'pm pound niup 1eg1 'um) aq 11110 uopoe utelzao azojaq asdeja lsnul goiqM pound aunt a sapinozd Me-j ajgeotjddy 3j •uoj301 aniloazzoo a1jel 01 a0pou lions ;o guint2 an za1ue pound ajgeuoseaz a olazag Aued zatpo agl papzo33e pue goeazq paaajje lions jo (sj uopoas jo sluatuazinbaz a p g1tM aoueijdtuoo ui uanTS aopou lions gum) And 1atpo alp pappou seq zapual I0 zaMO.uog lion Emu luaumzlsuj dlunoas sup `Jo uoseaz dq pamo dlnp due JO 10 uoisinozd due pagoeazq seq deed zaglo alp Imp sa2aije 1111(1 z0 luaunujsaj dlunoas sigl 01 luensznd suopoe s,dlzed zaglo alp tuoij sasue 1etp (ssep a jo zagtuatu alp zo lueffpij jenpinipui ue zaglia se) uopoe jepipnf due o1 paU!Of aq JO 'mot' `a0UatUUto0 dear zapua-j JOU zaM0110H za •zasegomd alojl aql dq papinozd as1M.1 po ssajun zasegoznd alum alp dq patunsse lot am pue (s)zaoinzas Ueo-j zossaoons e of pazzmJsuril aq JO za0inzas ueog alp Tint mutual jjiM Jam0110g 01 suop1Rijgo guioinzas ueoj a8e$lzotu ag1 `a10N aq1 3o zaseg0Znd aql amp zaglo za0Utas 111101 e dq paoinzas sT wog an 1 Jeazagl Fir pjos si a10N aql 3j •Bu1Oinzas 3o zajsUez1 3o aopoa a mph uopoaUUOO ui sazmbaz NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. 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. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. Loan Number: 0007688690 WYOMING-Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 488 cnn 3051 3roa (page 14 of 15 pages) MWY14CV AOQIAMW (sexed g! Jo gt abed) es/e ssoe w 'ewes NI pefnoexe Aeyua shay ew emo }eq peaeedde AIleuosiod 687 AM 'aTTTApuouiPTQ :av 8utprsaJ ollcind kiVJ 000Z .a.d (3uawepsfMowpy Boa aufl spa mom] +toads] oae Ti 1NBMInuisNl WdodJNn OR siPPaumeri huuu- -piwej elBu!otarioAM 069889L000:aegwnN ueo1 Z 0 0 Z S Z 1-101.2W satidxa uotssiuiazoo dye Z 00 Z S Z modz3 uolsstwwo0 ,fw j:Cf i 9NI1610,lM (ir tJ N100N11 30 31NLS 30A 1N000 0118fld Aad10N NVWM3N 'N HONYM aunt do /ep 1.140Z eta u0 pet. eimouxoe AInp own luewrulsul enoge eyf fo (s)JauBls ayf OWWIN 1 VA3N3D PUe OWWIN 3 08VHOI8 N103NI1 3O A.LN11O0 :ss( DNINIOAAA ,30 aivis ONNIN 1 VA3N39 WIN 3 0 (.4 •1T mint paw= pug zamouog iiq palnoaxa (s)zapp Aug ut pug luaunulsul Aiunoas sire ut paureluoa sauguanoa pug sruzal a p oa saazag pug sidaoae Jamul% `MO Iffff ONINDIS AEI 2uiuro,iM 3o smzi uoruduraxa pgalsauioq alp 3o anupt Aq pue zapun sagWp i]g santgm pug sasga]az zaMouog •sa3.41uAk •PZ 6ir 9S0 ION WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN:Charlotte Neel- Reinhart THIS 1 -4 FAMILY RIDER is made this 20th 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 First Security Bank. N.A. (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 337 COTTAGE LANE. ALPINE. WY 83128 1 -4 FAMILY COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTRUMENT. In addition to the Property described in the Security Instrument, the following items now or hereafter attached to the Property to the extent they are fixtures are added to the Property description, and shall also constitute the Property covered by the Security Instrument: building materials, appliances and goods of every nature whatsoever now or hereafter located in, on, or used, or intended to be used in connection with the Property, including, but not limited to, those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and light, fire prevention and extinguishing apparatus, security and access control apparatus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached mirrors, cabinets, paneling and attached floor coverings, all of which including replacements and additions thereto, shall be deemed to be and remain a part of the Property covered by the Security Instrument. All of the foregoing together with the Property described in the Security Instrument (or the leasehold estate if the Security Instrument is on a leasehold) are referred to in this 1 -4 Family Rider and the Security Instrument as the "Property." B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower shall not seek, agree to make a change in the use of the Property or its zoning classification, unless Lender has agreed LOAN NO: 0007688690 i 1 -4 FAMILY RIDER (Assignment of Rents) u i I 8 MULTISTATE 1-4 FAMILY RIDER Fannie Mae/Fredd a Mac UNIFORM NSTRUMENT FORM 3170 3/99 I.T. 10/99 (page 1 of 3 pages) D 490 Initials Initials RMSIFAM (se5ed g /o z eBed) 66/01 '1'I 66/6 OL1S WUO4 1N3INfla1SNI W8OIINf1 IN oIPPoia /oaW SIUUVI a301:1 A1IWVd 4-1 31ViSI11fL •LideiSezed SIT spp zapun swap s31 Suisiozaxa map zapuaZ 3112nazd pinom Sep 3oe /Cue `iuzojzad 3011 iilm pue pauuopzad 1011 sal pue small alp jo luauruslssg zoud &IV pa3noaxa 3011 seq zamozzog 11tH slums& pue sivasazdaz zam0zz011 6 u0poas 0f 3uensznd 3uaumzisul iClunoas alp pamoas zapuaZ o3 zamouog jo ssaupaigapuT auiooaq pups sasodmd Lions zo; zapuaZ iCq papuadxa spun3 Cue small alp Supoaitoo 3o pue Xizadozd atp &game= pue ;o toz311oo SuTxel jo slsoo atp zanoo 03 luaioi33ns mu an Xlzadozd alp 3o small alp 3I •Aiunoas se Aizadozd atp jo Soenbapeat ail of se Suimogs /Cue Inotptm Sizadozd a 11 11WOz; panuap sigoad pue small atp loaitoo pue Alzadozd alp aSeufUT pue Jo uotssassod axes 03 palutodde zaATODaz g angg o3 pai3pua aq pegs zapuaZ (TA) pue pantaoaz ,Ciien1oe slua21 asog3 Aino zo3 lun000e o3 aigRli aq pulls zaAtaoal paiutodde £1JRtotpnf Jiue JO S3II s,zapuaj `zapuaZ (A) :3Uaunulsul X3unoas alp ,Cq pamoas stuns atp of min pue `Aizadozd atp uo saSzRgo zatpo pue s3uauussasse `saxel `samnuazd aoueznsut 'moo aoueua3uteur pue ziidaz `spuoq S,zantaoaz uo stuniruazd 'sag S,zantaoaz `saaj ,siCaU1013e `03 pa3ituti Sou 3nq `&gpntouT `small atp SuI3oaJJOo pue Alzadozd atp SurgeuRaI pue Jo i0111103 $uTxe3 JO S1SOO alp 03 1sip patjdde aq pegs sfuaSe S,zapuaT zo zapuai pa1oapoo small iie `as!mzati;o saptAaid mRi aigeogdde ssaiun (n1) :3UgUai alp 01 pueanap ualum s,zapuaj uodn s3uaSe S,zapuaJ JO zapuaZ o3 ptedun pue anp siva21 pr /Cud pegs Anadozd alp Jo lueaa3 Lioea legs saa1SR zamozzog (in) tiCfzad01d alp 30 s3ua21 atp Jo ire antaoaz pue ;oapoo of pat1pua aq TMs zapuaZ (it) :3UaUmzlsul A3Tznoas atp pamoas sums atp of papddE aq zapuaZ Jo Igauaq atp zo3 aa3snz3 SE zamozzog ptag aq pegs zam0zzog Aq pantaoaz small HE (i) :zam0zzog 01 line ;ap Jo aoI3ou uaATB zapuari 3I •Apro A3iznoas ieuopippe zoj 3uatuUSisse uR 1ot pue 31T UIU Tsse alniosge TR aln3psuoo siva21 Jo 3uauIUStssg sTTU •3uaSe s,zapua1 z0 zapuaZ o3 mud aq of aze sfua21 atp 3etp (s)lueual alp 03 aopou uanIS seq zapuaZ (1T) pue 3Uatunz3sul A;unoas atp Jo ZZ Uopoas 0f 3URnsznd 3inEjap Jo aopou zam0110g uanTS sell zapuaZ (1) !pun small am ontaoaz !tells zamozz0g `zan0m0H •s311a5R s,zapuaZ z0 zapuaZ of small atp /Cud pegs Alzadozd alp Jo lama) goea 1ELP saa1SR pue `small alp foapoo 01 siva2E s,zapuaZ zo zapuaZ sazuoglne Jamozzog •atgq,Ced aze iilzad0zd alp JO sl11all alp urOgm 01 JO SSaipze$a1 `Altadozd alp ;o „s3uaJ san11anaz pue qua' alp HE zapuaZ 0l sza;saezl pue SUSS ifiieuot3ipuooun pug ,CialntosgR zam0110 NI Haci i3'I tHa iaD32I 30 itsmuLIM I0ddV `•SJ.Aial 30 Jd1iTAIAi0ISSV 'H •piogaseai e 110 SI 3UatutuIsul Xlunoas alp 3i „aseaigns„ TROUT WV aseai pzom alp `O Lidersezed spp uT pasn sd •uopazos!P atos s,zapua3 ut `saseai mau a3noaxa of pue 835E33 Sups!xa alp a3RU(TUZa3 JO p1.101x0 `Appotu 01 igSp alp anti urns zapuaZ luatuualsse uodn •X1zadozd agl Jo saseai TIM uopoatiUoo 111 spear sllsodap Xlunoas iig pue X2zadozd atp ;o saseai itg zapuaZ o3 uSlsse !IR1s zamozzog `linRJap Jane lsanbaz s,zapu3Z uodn •SaSv3Z 30 INZAIAIOISSv 'O •3oa3ja uT 11le1raz pups 9 uot3oas Tt glzo3 las s3Uatuaa1Se pus SIUSU3AOO autumnal 11V •pa1aiap st X3zadozd alp 3o Xouedn000 s,zamozzog Suluzaouoo 9 uolfaas 11t aoualuaS 1511) alp `Supum tit 3315 asImzag3o zamozlog pue zapuaZ SsaJUn 'AJ1■1 Sala/WO/1110a 3 •pafatap si 61 UO1l 'aaia' 3.LVZSNEnI OZ ZHORI SaI3AAOURI0 '3 S uopoas A pazmbaz st aoueznsuI Lioppt zoj spIRZRLi zagl0 alp 01 uolflppe uT SSOJ fuaz 3sate2e aougmsu1 ute3111e11 putts zamozzog '3lNVR(1SM SSO'I JNIU 'Q •uotsstuuad ua33um loud s,zapua1 lnogllm AiJadozd alp 3sul5S5 paloajzad 3(3 03 fuaIUtu1sal *moos atp 03 zo3zajut tali /Cue moimm 3011 wits la/llama `met iRZapa; ,Cq pallluuad se 3d2oxg 'SN3IZ 3.LVAIIQ?IOff1S '0 �Clzadozd atp 03 atgeoltddE Xpoq !mamma/tog /WE jo sfuaurazmbaz pug suopeinsaz `Saoueatpzo `smei 11 girm Atduroo pegs zamozz0g 3 1I5133 alp 0l Supum ut 069829L000 NY01 g 'AiOISSaSSOd Lender or Lender's agents or a judicially appointed receiver, shall not be required to enter upon, take control of or maintain the Property before or after giving notice of default to Borrower. However, Lender, or Lender's agents or a judicially appointed receiver, may do so at any time when a default occurs. Any application of Rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of Rents of the Property shall terminate when all the sums secured by the Security Instrument are paid in full. I. CROSS DEFAULT PROVISION. Borrower's default or breach under any note or agreement in which Lender has an interest shall be a breach under the Security Instrument and Lender may invoke any of the remedies permitted by the Security Instrument. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this 1 -4 Family Rider. LOAN NO: 0007688690 ,„.0 RICH ;D E NIMMO GENEVA L NIMMO 492 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower MULTISTATE 1-4 FAMILY RIDER Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FORM 3170 3/99 I.T. 10/99 (page 3 of 3 pages) RMS3FAM 0id1ve I „zapua'I„ ant) I A A 11 u I luaumusul uuoJtun aeyAl atppa .13- (awed aputs- (uotsuatxg pue uopeat,Iipow) isprJ uoojjeg atutsptny. ut patejnoTeo se put; minor; atom a133 Jig pantaoaz st uopmogpou alep uo lova in plat( tau pannba.1 pagstjgnd aigeotidds s,uopszod.to0 a21321zoj uso'j aumg 113zapag app uodn passq auali atom pagtpow paxg alp aunnoleo ITiF zapjoH atom ma 'amsa Sultus1At atom am' 01 zoud scup mpuajeo Sb uetp zalsj ou pug scrap ispualeo 09 imp zatizea ou .19110H atom atp StnA3pou uopd0 uotsuatxg pus uo 113uoptpuo0 alp astozaxa Asm I `anoqu Z uopoas ;o suoptpuoo alp 1aam I 3I •uonldO uotsuatxg pus uopttogtpolk Tsuoplpuo0 alp astozaxa o f .1apzo ut A;pou mum I tsgt zappH atom am 2upuasa .1da. uoszad amp jo ssa.1ppe pus app `attisu am nlnm zagta8ot `uopetuioJut pzooaz 3uatukud Aut aptno .1d "gm zapjoH atom aqj taro 2.113 anoge Z uopoas ut suoptpuoo alp 3T uopd0 uotsuatxg pu13 u0t3e3t31 ON jeuoptpuo0 alp astozaxa ABUT j 313113 aW OStnps 1TIM osjm zapjoH atom alL ama Alun1 N atom amp uo amo o1 paloadxa 31113 I sums zatpo lis pus lsazattn pt13dun tug patinae `iedtouud am jo am Ostnp13 putt arc' AtunlgN atom am 3o 00u13npm ut scup zgpuam 09 twat re am A;ttou J[TM zapjoH atom ani, NOI IAO NOISN LXa QNV NOI LVDLIQONI 'IVNIOLLI11■100 IIH.L OAiISIO2I3Xa 'S .peed Ajjn3 st atom atp Tpun Ipuotu Azana luaur(13d Isaza3u" pus jedpuud Aut 30 lunotus Mau alp aq mm uopinnolgo sup jo gnsaz aqs •stuaum /ud Altpuout jenba ut ate) atom pagtpon atp is uuat papuatxa Sututsmaz alp .1ano `(anoqu Z uopoas Iapun pa.1rnbaz se `tuauno 2.113 uanp sluautAsd Alg3uom iur $uturnss13) alma Alunlmp' atom 2313 uo 3uautnztsul (tunas pug atom amp zapun amo mm j sums zatpo jjm (o) snit! `3sazalut pmdun 3nq panzooe (q) snjd `jgdpuud pedun am (m) iinl ut Suds' o3 3uapujns aq ii1M 3erj3 luaul(ed Sitpuotu app 30 lunotuu a131 aunzuatap 11TM .10ploH atom amp `pagsptts 2.113 anoge Z uopoas ui pannbaz suoptpuoo .1atpo T's pus awl' atom alp anoge slutod aSetuaozad 5 uetp za3ga.1S tou st 0n0g13 uopoas ui palepomo se ate) atom pagtpoyAl aql paptnozd ,LAif1011IV INTHWAV'd Mt1M IIAI ONLLVIfID'IVD 'b •uop13uuoJu ajge.1edtuoo Sutsn (q aim) atom pampoJA 2313 autuua3ap "gm zapjoH atom am `aTgettene too st plat( tau pa.1tnbaz sup 3I •uopd0 uotsuatxg pus uopsotjTPon muonlnpuo0 am aspzaxa of uopoaia AUI 3o aopou sannaoa.1 zapjoH atom am teat (1313 JO amp pus amp alp uo toa33a ut plat( tau ajquogddit amp aq thins plat( tau paztnbaz ally .(„ate) atom pagtpom, alp) %SZT '0) luaomd auo jo tjtgSta -auo tsazeau am of papunoz %g 3uaozad auo 30 3tetbauo snjd `3uauttttuttroa Azan3Tap Azotepustu ■13p-09 13 03 toafgns sageStzout 2313.1 paxg marl -0£ .O3 plop( tau pazrnbaz s,uopezodzo0 aSe23.1ow uso-I autoH puapaj app op jenba tsazatut jo ales paxg s aq ittm am' atom pagtpoiN aqZ ai v2I a.LON a naol T auLL OAIILV'If1Y1VO •MOjaq 5 uopoas UT papTno .1d se zapjoH atom and 03 3sanba.1 ua33uM s 031eu1 knot I (g) pus 'am' atom a133 anoge sttitod aS133uaomd 5 ustp a .1otu aq louueo ate) atom pompon amp (y) !pap.10oat sum 31;101UTU15UI (tunas alp nun Sursue (ajge(ed pus anp ta( 3011 s3uautssasse Tetoads pus saxel zo; ldaoxa) Ausdo.1d am 01 app Suoa33m s .121113311 aszanpm zatpo .10 `A3 .1adozd am tsuta t; saouszqurnoua zo `stoajap 'scan ou ass a .12313 :alma (lump' atom ail) Surpaoaid (T21utpatutat sluautcud Appuotu pajnpagos ZT aq1 3o Aug uo 23131 scup OE umgl azoul uaaq aneq 3ouuso pus stuaul(ed Sppuotu cur ut marina aq psntu I (Z) `.(,At.1adozd„ 2131) 3uaurnz3sul Salmon alt o3 3oafgns ilzado .1d am 3o tusdn000 pus saumo alt aq ups sum I (I) :a .1e suoptpuoo asa1Z •23132 Atunlmy atom alp ;o se taut aq lsntu suoptpuoo utet.1ao `uopd0 uotsuatxg pus uopsogrpo}Q jguoptpuo0 am astozaxa 01 mum I 3I MOLLdO Oz SNOI.LIQ■10D 'Z .atom all (edaz op cauout am am puaT 03 Sutjitm zopuaj u pug .10 saoznosaz UMW (uI tuoz3 atom alp Asdaz o1 angq 111M 1 111133 pug `Olen A3unlgyQ atON atp pua3xa z0 am; atom ant lasa.1 `atom am AjTPotu 01 .10 atom alp aou13uga.1 01 uopoStlgo ou zapun st zapjoH atom am ltrtp puelszapun j `taus 1011 9.113 suoptpuoo asogl 3I „uopdO uotsuatxg pus uotloon33pow Teuotltpuo0„ alp) taut 0 113 Mojaq 5 pus z suopoas m paptnozd suoptpuoo 0131 TTs 3t motaq uopoas num aouep.100013 ur pauttuzat2p „am' atom pat;tpof„al1 of arm) atom alp A3tpour putt auto kultu1Nl papuatxm amp) 0£0? 1. A 1 n r 01 ma (lump" atom am p11a3xa °l a3ge aq 333M I '(eats( Atun1 NN at °N aril) 3uatunztstll Alunoas putt atom alp jo amp Apunteul and lip' SNMML NVO'I I0 NOISNIZLXa QNV NOLIVDL4IQONI'IVANOLLIQNNOD 't :(atom am zo 3uautn.1tsul 'lunoaS am ut paurepuoo Azez3uoo am 03 Suttpcus altdsap) smol10j se 22.1$11 pus 1u1uanoo .1allzn; zapua-I pus .12mouog `3uaurnzlsul (tunas atp to sluUtuaaJS1 pue stutmanoo alp 01 uoptpp13 uI 'SJINVNaA00 'IVNOIIIQQV zapjoH atom„ 01 11 p070 st atom 0131 zapun stuaumsd an3aoaz 03 paTlpua st oi& pus z0Jsuszl cq zapt) site pus luatun.1lsul Animas amp `atom am swim oqM auo(ue 10 zapual aqZ •.mpu slut pus luaurnztsul A3unoas `atom alp 103sutut (gut .1apu9' and puglszapun I ;alma atom„ alp pa3Tmo st atom alp jo amp 213,E ;am' atom„ alp palls° ST atom am uo palmis atmz ts0.121ur any [ssa .1ppy 4iadoid] 8ZIS8 AM '3NId1V '3NV1 30V1103 L££ :3s pa3goo3 pus 3uatun.1lsul Alunoas alp ut paquosap Auadozd am 211u0n00 pus amp sums alp jo "V•N '4UB8 All -MOOS 1.Sa!d 01 atom S 0131 aznoas of „zamouog„ atp) pau$tszapun alp Al uan1S amp mugs atp 30 „luaurnrlsul AtunoaS„ atp) lgaa aznoaS of paaQ .10 1531.11 ;o paaa, `a8e83zoW atp 3uatuatddns pug puatu13 01 pauraap aq hens pus 01113 papuzodzoout st pus 000? 8U n JO gp u 0 Z slut apgur sT Imam) AIOOTIdg SIHJ. 069999L000 (Waal NV01 lO NOISN3.LX3 2Nd N011v01IIQOW 1vNOIlIaN00) a3ala NOO11VB 494 Section 3 above. I will then have 30 calendar days to provide the Note Holder with acceptable proof of my required ownership, occupancy and property lien status. Before the Note Maturity Date the Note Holder will advise me of the new interest rate (the Modified Note Rate), new monthly payment amount and a date, time and place at which I must appear to sign any documents required to complete the required Note Rate modification and Note Maturity Date extension. I understand the Note Holder will charge me a $250 processing fee and the costs associated with the exercise of the Conditional Modification and Extension Option, including but not limited to the cost of updating the title insurance policy. BY SIGNING BELOW, BORROWER accepts and agrees to the terms and covenants contained in this Balloon Note Rider. (Seal) Borrower i (Seal) Borrower GENEVA L NIMMO (Seal) Borrower (Seal) Borrower Multistate Balloon Rider Modification and Extension Single Family Freddie Mac Uniform Instrument BALRIo2