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HomeMy WebLinkAbout86669401013588 I.T. 3/00 WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 Words used in multiple sections of this document are defined below in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated together with all Riders to this document. (B) "Borrower" is LINDA S CAMPBELL, a married woman Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. a Corporation organized and existing under the laws of The United 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 23, 2 0 0 0 The Note states that Borrower owes Lender One Hundred Sixty Thousand and No /100 Dollars (U.S. 160,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than J u 1 y 1, 2030 (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. n 0 u i 0 Space Above This Line For Recording Data i u BOOK 447 PR PAGE 5 3 MORTGAGE u 86669 kINF and other w RECEIVED COUNT" 00 JUN 2 I KEMMERER; WYOMING G r, 5 ftELEA3s p�\ 0,5_5 Thi Mortgage SEE BOOK_. .IF MOBTiAi e Phi ed usage of words used in this States of America. WYOMING- Single Family-Fannie Mae/Fraddle Mac UNIFORM INSTRUMENT Form 3051 3/99 (page 1 of 15 pages) MWYO1CV A07AAMW (se5ed 10 a eyed) ewe ism uuoa oae Ti navinuLSNI WWdINI1 O'W •IPP•MHIW *wind-ALMA 0 1 8 WSONIWOA M 9Z 1.689LOD0:JegwnN usoi saop zamouog `asodind spp zod •aaoN atp pue auauznnsui Saunas slip zapun s;uaucaaae pue s1UEUaA03 S,JOM01JOg JO aoueuuo;zad gip (q) pue :aa0M alp jo suopeoljipotu pue suoisuaaxa `slemauaz IIe pue aqa jo auatuAedaz alp (e) :zapua-I 03 saunas auau turui Saunas sTgs A,LaIad01.Id aHS Nl S,LHORI d0 2IadSAlH2I L •auamnnsul Saunas spp Jo/pue aaoN aqa zapun suope2Tlgo s,zamouog paumsse sell Cued lap ;ou Jo zagaagM `Suadozd all; o; Opp ua3Ie1 sett lug) Sued Aug sue= „aaMOaaog jo lsaaa ;uj ul aossaaanS„ (d) 'vdSa2I zapun „ueol a2e2uotu paaelaz Sllezapa3„ a se S311enb iou saop ueoi alp 3l Uana „MOT 05EBuoui pony.' 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AS PLAT NO. 343. which currently has the address of 637 RICHARDSON CREEK DR. [Street] AFTON Wyoming 83110 "Property Address [City] [Zip] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made 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. Loan Number: 0007689128 WYOMING-Single Family- -FannIe Mse/Fmddis Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initial WM 3051 3ro9 (page 3 of 15 pages) MWYO3CV 9g1, A040AMW (sebed lid jo 6 abed) ee/e 'sae uuo I Stela oo/E •1'I 1N3Wf1ULSNI WHOdINf o'W NPPad/"YY efuued -Alwej ei 8Z1689L000 :JagmnN ueoi Any •aurp Cue ;e small mimosa in zo Aue zoj spund zapua'-j 0; AEd Ol uopeSijgo s,JamoIIog anteM Amu zapua -j smog mama IIE z0 iCur zoj spun,d ail Aed Ol uopeSijgo mamonog san1EM zapua-J ssajun sarail Momasg zo3 spun atp zapual Aud pegs zaMauog •uopoaS snp zapim pied aq o; slunourE jo saopou jjE zapuarj o; gstain3 i(pdurozd pugs zamozzog man mama UE aq pegs sivaurssassn pue sac; `sang lion pun `Jamozzog pamozosa aq 'Cu e 3l `sluauissassy pue saaj `sang uoi ;epossy IlianurmoD ;etp aiinbai Amu zapua-j `ueo-j ail jo uual alp Suiinp amp Aug le JO UOiEU12110 ly „•stuall mo1OSg„ papjPO azE sum! asaijI •0i uotpas ;o suolsinozd alp ipim aOUepzooOR ul surnituazd aauemsuj aSESlzojjj jo luatuAed aij; ;o nap ui mpua-j o; zamozzog ajgEited scans Niue zo `Aue 3i 'sum a3UEmsui aSeS;ioj (p) pue S uotpas zapun zapua-j pazmbaz aOUEmsui jjE pue &IE zo; sLUnituazd (0) Cue 3i `iCpadozd atja uo sivaz puno1S JO sivaulAEd pjoijaseaj (q) :Alzadozd atp uo aouezgmnoua JO Ualj E SE luaurnzlsuj ,Ciimaas sup JOAO iCluoud menu uEO goptm sutall zaglo pue s;uauissasse pue sum (e) :Jo; anp slunomE jo luauaed zoj apjnozd o; „spund„ atp) urns E jj n j ui pied si aloN an 'pun `aloN ail zapun anp aze s ;Uatu1Cnd Oipouad 'Cep atp uo zapuaj o; fed pugs zaMOZZOg 'small mama an.; spung •sluaurIfed °Topad atp jo 'mom an aSungo JO `amp anp alp auodisod JO puma l0U pugs al0N atp iapun anp pedpuud o; spaaOOZd snoauejjaosm JO `spaaooid aorninsui `s ;uauded jo uopeoijddi £uy •al0N ail tit pagposap se ua n pue saSzegp luatu,CEdazd Aue o; lszg pagddE aq pegs sluatuARdazd ,tie ;union .anp salmi° ate' SUE o; paijdde aq AEui ssaoxa ipns `sluatuited Olpouad azout JO OU0 30 luaus ed jjnj asp o; paijddt si ;uaurAed an z013E s;sjxa ssaoxa AuE letp lualxa air; oZ •jjn3 ui pied aq uEO ;uam CEd Tea `lain luo ;xa am o; pue `3i s ;uaUI,Ced Olpouad aql ;o ;uauiifndaz an o; 'ammo g uroz; panpaaz ;uam Ced AuE Ajdde Aetu zapua-j `Suipuelslno Si ;uaurAEd oipopad auo min aunt 31 a8zetjO a ;ej an pue ivamAed luanbuipap an o; paijddd aq Aecr luatuAEd am `anp aSiEgo alai AUe Ad o; ;unoure ;uatowns E sapnpui goigM luatraed Oipouad ;uanbuipp a zo3 zamozzog tuoz3 ;uaurdid E saniO30z zapua-j 3I •aloN alp jo aouep q Iedpuud alp aonpaz o; nail pue ;uaurnpsnl ,Clun3as slip zapun anp siunocrE zatfo Ain o; puooas `sazega ant 03 3511) paijdde aq pegs slunourn SUJU!Emaz Any .anp auimoaq ;l goigt ui zapzo ail ul ;uatuXed Oipopad goEO o; paijddn aq pugs s;uatuAEd inns uopOas zapUU anp slunotun (E) :a;0N agi zapun anp Iedpuud (z) !amNi atp zapun anp lsazalu! (I) :Xluoud ;o zapzo Sutmojjot an ui paljddi ag pegs zapua-j Aq paljddE pue paidaOOn sivauaed ii `Z uopoas sttn ui paquosap aslmzaglo sE ldaoxg •spaaaoad so sluaul,fsd 3o uopEmddy •z luaumrlsaj A ;unoas slip Cq pamoas sluauuaaan pue s;ueuanoo asp SuiurzoJzad JO luaUrngsul Agmoas spn pug mom ail zapun anp s ;uaui&i d &tiro uioz3 zaMOZZOg anagaz BETTS zapua-j lsUfl aznln3 an Ui zo MOU anEq ;g$lur 1 At011Of gotgm MI RO JO las; ;o ON •aznsopazo; o; zoud AIa;Eipaturui a;0N ail zapun aouip q jedpuud SuipuRlslno ail o; paljddi aq "um spun; lions 'Jaffna, patidde l0u ji •zamozzog of alai; Uzn;az JO spun3 ions ,fjdd& zaglia pugs zapUa' `aunt jo pouad apgecoseaz a minim os op loll swop zamozzog 31 •luazzno ueo-j alp Suuq o; (s) »uatuiCed salmi zamozzog jpun spun; paijddEUn pans Nog ABM zapua' .spun] paijddiun uo Isamu! /Cud ;ou pa= zapua-j nap `alep anp pajnpagos ell ;o se paijddn sl ;uaurAed Olpopad Ip 31 •paldaoOE azE s;uaurAed lions aural atj; ;E sluaur&ed lions Aldde of pa3RSljgo Ion si zapua7 lnq `ainin3 ail ui swanked ed pitied JO (s)luatu&Ed pans asnjai o; mgt.' sll o; apupnfazd zo zapunazag slg5p /Cue ;o zanUEM ;nog ;iM 'manna uno-j ail Suuq of luapg;nsUJ (s);uauaEd jellied zo (s);uaurAed CUE ;daooe ilea zapuai manna ueo-j ail Suuq o; luatoijJnsul aiE swam/Cud IEilzed zo (s);uaurited an 3l (s)luaiuiCed jellied JO (s)luautiCed Cue iunlaz AeUZ zapua-j •SI uopOas tit suoIstnozd aOpou an gllM aouepz000e Ul zapua -j £q pa ;EUSlsap aq Aeau se uopEOOj Jail° lions le JO OWN ail ui pa ;EUSlsap UopeOOJ ail ;e paniaoaz uagm zapuaj ,Cq paniaaaz pamaap azE s;Uaur fed tC999Rn such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an amount (1) sufficient to permit Lender to apply the Funds at the time specified under RESPA and (2) not to exceed the maximum amount a lender can require under RESPA. Lender shall 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 an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall 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. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be reghired to pay Borrower any interest or earnings on the Funds. Borrower and Lender can 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 as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than twelve monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than twelve monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. 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, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal Loan Number: 0 007689128 WYOMING-Single Family -Fannie Mee/Freddie Mao UNIFORM INSTRUMENT I.T. 3/00 initials Initials 757 Form 3051 3/90 (page 5 of 15 pages) MWYO5CV 85/ AO90AMW (se5ed 91 Jo 9 eyed) ei/c MC uuo Blenul 8 1eIAul oa '1'1 1N3W11131SNI WHOuINn 3•W MPp.J /aeW quutI-- ,y!weI e1Bu1S-ONIWOAM 8Z1.6 89L00 0 :JegwnN ueo1 JT `Spadozd at1 3o zp11daz JO UOpezo;saz o; papldd11 aq !lugs `zapun-! 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Alun3as sirp Jig pampas zamozz0g jo ;qap psuonpp1 aurooaq !legs g uoipoas sup zapun zapuaj Aq paszngsip nano= Suy •paui113Qo aneg pinoo z0M0110g 1s aouemsup 30 1500 0143 p03ox0 ApueogiuWis ;farm paun qo os aIUanOO a0usznsup 0143 30 1S00 a1 p ;11143 sa2papMoU3lOe zaMOZZOg •;00330 up iClsnopnazd sum u11g1 02ezanoo lasso! z0 10111012 appnozd 1t81ar pue A ;gpgep! z0 went' Niue ;supp8e `ICUadozd a143 ;0 5311a;UO3 am zo `duadozd am ut (lmba s,zamouog `zamozzog palate! ;ou 1i2mi JO Wm! ;nq `zapua-J 1 A00 !lugs 3811zan03 Bons `azojazagy •02ez0n00 JO 1unotue JO 3d/C1 zulnm ped Niue asetaznd 01 uopu2ugo ou zapun st zapuaJ •asuadxa s,zaMozzog pus uopdo s,zapua- 1e `05s10A03 a3u1znsut memo /isur zapua-i `anoge paquosap sa$ezan03 atp jo ,Cue ulep11pum 01 sipe3 z0M01z011 3I •z3M011013 Xq uopoafgo us wog &gllnsaz uopEuntualap auoz pop); i(us 3o Malnaz atp t;iM uor;oauuoo ut Xouo y 1Uaur0211uuyq Souo iomg pe1apad am sq pasodun saaj /Cue jo main/Cud alp 10j apgisuodsaz aq ogle !pugs 10M0zzog •uopeoiilu00 JO notpeapuualap tons 1003311 )1121m S1gWu0seaz g3ii M zn330 sa &uet0 Juuans zo saupddturaz amp gOsa saIreg3 puanbasgns pus sa3lnzas notleoulua3 pus uopeUJUua ;ap auoz p00g 10J o n qo aunt -0U0 a (Z) JO S03pnzas &uplOezl pus uope313pza3 `uol;sutuualap auoz pool; zo; a8zsg0 aurp -auo a (i) :la1431a `uuo-i spm43 g;rM uoppoauuoo UT `/i11d 01 z0m0z10g azinbaz Ssur zapua-i •digiaoseazun paslozaxa aq 1011 uegs ;q$p gopM `0o1ogo s,zamozz0g anozddesip o; ;t811 s,zapual o; poafgns zamozzog Xq uasogo aq !juts 0311e111SM am SUippieud zauzu3 00uemsul aty •11110.1 am 3O 111za1 am Suiznp afUug3 UE3 saOua1Uas turpaoazd a143 o; ;uunsmd sazmbaz zapua-i 1111M •sazmbaz zapua-1 ;11143 spouad at; zoj pus (spanal apgponpap guipnpul) sluno aria 111 paUrelul11Ur aq Hulls 03umnsup sign •03uVznsul sazinbaz zapuaJ topM zo3 `spoog pUs so)l11nbtprea `0; pa ;purl! p0u ;nq &utpnpul spzeg111t za143o ,Cu11 pue „`a2eJano0 papualxa„ 11110; am Up ppM papilla!! spIzug `01J 1Cq sso! ;suFae paznsup Suadozd a143 uo par= Impala!! zo 2upspxa Mou s ;ua11manozdmp am daal !legs zaMOZZOH •a3ueznsuI ,filadozd 's •u110 sp p g1pM 110400111103 111 zapua'p ,iq pasn aOxnzaS 8upuodaz zoipuu uop;eOIJpzan x111 a;1isa lean 11 103 0W111g0 aim; -auo 11 ,led o; zaMO1IOg azinbaz /Cm zap110.1 y not ;pas SKI up anoqu quoj las suop ;Os a ;O azour JO 0110 0)1s; JO 1311 alp Jspss !lugs zaMOZZOg `ua tIR Si 039011 311143 t31gM uo ale! am ;O s'Cup pI u1143mM •uat! aql 2u1Aj11U0p! a3p0U 11 zam011011 0A1 i(eur zapuai `puamnulsu! d ;pm3as SF43 JOAO itluoud mum 11113 1OrtM uap! 11 0; loafgns si SUadozd at1 ;o u11d /Cm pe saunuzalap zapun' 3! •luaurnzlsul X ;unoas sp143 01 ua11 0143 Supuuppzogns zap110J 0; £Io ;o113s1;es ;uataaaau 1111 ual! at; 3o zaplo1 am uroz; saz13as (o) JO :papnpuo3 are sSuipaaoozd gOns !pun /tpao lnq uipuad are s& npaaoozd asap a11gM 11014 aim 30 ;110ur03J0J113 0143 luana1d o; alezado uoluido s,zapua-I 11! topgM sau!paa3ozd t6999R0 O866694 the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing, or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30 -day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (1) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Notts or this Security Instrument, and (2) any other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. Loan Number: 0007689128 WYOMING-Single Family- -Fannie Mao/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 InIUala Inftial 759 orm a0s1 3ro9 (page 7 of 15 pages) MWY07CV AOeOAMW (sel3ed gl Jo g aBed) we ►5011 w of 09/ 001E '1'I 1N3Wf1NISNI WtlO lNn ooW NPPa rnevi Nuue3- -Ague 9 1 8 4S-DNIWOAM 8Z1689L000:JagwnN ueo •anzasaz ssoi t ;ans uo s&Tuu a JO isazalui Aue zamofog Aed of pazmbaz aq 3011 putts zapuai pus 'iin3 Ut pled Aiale<uilin si trerri am ism loe3 am Suipueisglimiou `aigepunjaz -uou aq putts anzasaz SSOJ 1(O1>S •0011eznsui agsgUopq 3o nap ut anzasaz SSOI aigepun;ai -uou s se sluatu1fed asagf ute3az pure asn '3da0oe 'pm zapun •33a33a ui aq o3 passao a2ezan00 03usznsui aril uagm anp azam 311gi sluata& d palsu asap Aiaiezedas am 3o iunotus alp zapun of Asd of anutiUO3 pegs zamo.uog `aigeitens 3011 si agszano3 aousznsui ageg310j luaisninba Aiiepu sgns 3i •zapua- ,Cq pops zaznsai a5eg3zotu amazons us mop '30a33a Ui Aisnoptazd aoreznsui a2eg3opq atp 3o zamoUog of isoo atp O3 3uaienmba Aiieiiue3sgns 3500 a 311 `loa3 ;a ut Aisnoinazd aoueznsul a2e83zoj atp of fuaieninba Xiispusisgns a2ezanoo upngo of pazinbaz sainiaiaid atif hd pegs zamonog 'aousznsui aSegioj zo3 stunimazd am pzemo3 s3uauiAed paieagisap Ala3ezedas mien' o3 paztnbaz ssm zamozzog pure aouunsui bons papinozd Aisnornatd 3etp zaznsui a2s51oui am map aigeitsns aq of saseao zapun £q pazinbaz agezanoo aoueznsui a2s23.topq am `uossaz Niue zoj `3I •1oa33a ui aoueznsul aSsgioysi ag3 uteiuieai o3 papnbaz sumpaiaid atp 'fed iisgs zamozzog 'ueo-i aril Baiwu 3o uotiipuoo s se aoueznsui agegizoysi pazinbaz zapun 3i •aaueansuI a2s23Joyti •OT •gupum ui zagzaui atp 03 saazgs zapUa-i Ssaitin agzaui 3011 pegs app aa3 alp pus piogaseai aril `4Uadozd aril 03 app aaJ sagnbos zamozzog 3i •aseai aril jo suoiSTnozd ag3 pe mph Aidtuoo iistis zamozzog `pioiiaseai a uo si luauinx sul Alunoas sup 3I •fuauiiCed gupsanbaz zamouog 03 zapun mop aopou uodn 'fsaza3ui tons tpim 'aigsAsd aq Tugs pus luatuaszngsip 3o awep atp map aim awls' am Is 3sazalui nag iisgs 53unouis asags •3uamnz3sui ,C3un3as sitp Aq pamoas zamozzog 3o fgap psaopippe atuooaq pegs 6 uoi30as sitp Japtm zapuaj Sq paszngsip slunotus Airy •6 U01}oas spy zapun pazuogins moms Tie zo Aug &miss Sou zo3 £3pige1i ou sznOUI zapua•i ism pawls st ii -Os op 03 uopeSiigo JO Afnp Aug zapun Sou si pus os op 03 ansq Sou saop zapun '6 uoil0as situ zapun imps min ,Csai zapun ggnogfid •330 z0 110 pauznf sai3tipn aneg pus 'suopipu03 sn0ZaSusp zo suot1eioin apo0 zag3o O Rippling aleuiatua `sadId Uioz3 za3em uiezp `SMOpurm pus sloop do pzsoq JO aosidaz `s)jOOI aStregO `sztedaz wpm 03 A3adozd am 2uua3ua '03 pa3TaJ1 3011 st inq `sapnioui ifiadozd am guunoas •gutpaa3ozd Ao3dnz}Iueq s ui uopisod paznoas sft gutpnIOui luaumz3sul iClun0as spy zapun S3g5u 10/pU1 AUadozd a13 Ut isaza3Ui 531 loafozd of saa3 ,sAau1011e aigsuossaz guided pus 'woo ut Suusadde (z) `3uatuiu3sui Xlunoas Site zano A3uoud set qopuit uati pazn0as stuns Am guiAsd (I) `03 pa3ituii Sou azs 3nq 'apni0ui ueo suoi30e s,zapun •/CUadozd ag3 guizisdaz zo/pus SUun0as pus `1tizadozd am 3o amen atp gutssasss zoipue gup3afozd gutpnjOui `3Uatunzfsul Alun °as site zapun siggu pus Ailadozd ag3 ui Isamu! s,zapua-i loalozd of alsudozdde JO aigeaossaz st zanafegm zo3 Xsd pus op hai zapun uatp `Aizadozd am pauopusge seq zamozzog zo `(saoi3singaz JO smei a3zojua 03 z0 lUatUnz3sui A3un3as sig3 zano Afuoud ute33s Astu goigm trap s 3o luatua0zojua zo3 'azn3taj1O3 z0 U0t3satuapu00 zo3 `alegozd `d0fdnz}iusq ui guipaaoozd a ss lions) fuatUnz35Ui iiiun0as site zapun siggU zo /pus IfJadozd ag3 ui 3sazalui s,zapua-i 30a33s ApUeog1U2Ts 3ggiuz 3etp guipaa0ozd is2ai a st azatp (z) `fuatunzfsai ItlunOaS sig3 ut pauie3uo3 S3tauiaaJSs pus 53ueaano0 am tuzojzad 03 sue; zamozzog (I) 3I ;uauin i ;suI .C3ianoas sit; aapua sjggig puu Cpado id aq; ui 3saaa ;UI s,Japuaj jo uoipaa;o id •6 •a0uapisaz iedIODUd s,zamozzog se i(Uadozd ag3 3o /C3Uedn03o s,zamozzog 2utuza3u03 suops3Uasazdaz `03 palitap Sou ale fnq 'apnjOUJ suot3sluasazdaz ieualeyq •ueo-i 313E glint 1101303111103 ui (uonsauojut Ieualeta tpim zapun apinozd 03 pope; zo) zapun 03 S3t3Utafe3S JO 110pEI UO3ai 33ezn00eui JO `Sutpeaisitu `asis3 Aiieualetu aneS 3uasu0o zo agpaimou)i s,zamozzog tpim zo zamozzog 3o uotl0azip 3133 311 gut30s sat313ta JO suoszad LCu1 JO zamozzog `ssa001d uoileoiidds Uso'l am Suunp `31 linsJap ut aq 1111138 zamouog •uopioiiddy uuo-I s •g 176999RO Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non refundable loss reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscellaneous 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 Opposing Party (as defined in the next sentence) offers to make an award to settle a claim Loan Number: 0 00 7689128 WYOMING-Single Runk- -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initials 761 orm 3051 3/99 (page 9 of 15 pages) MWY99CV A3OIAMW (se6ed 91 Jo 01 e6ed) 66/C ISOB wJo el sIBw we '1'I 1N]Wf1HLSNI WUOmINf1 Dow NPP J&Iepy eluui /tllulej eIBuISONIWOAM 8Z1.689L000:JegwnN ueo1 kuadozd `saa; sAauuop3e `op paprtug 1011 pnq `guipnpul `3uauttuisai ,CpunOas sitp zapun spggu put; iCUadoud aqp ul psaza ;ut s gupoa;ozd jo asodznd alp uo; `1ine;ap maiming pplm uopoauuoo ui patuzo ;zad saornzas zo; saaj zamouuog agzego Xeuz zapua? •sagaeg3 ueo-I •bJ •zapua-1 jo sugisse put; szossaoons am 1pauaq pue (oz uopoas ui paprnozd se ldaoxa) puiq litgs luaunulsai J(3unoas sigl jo s3uamaaugt put slutaanoo ags gt 113 aseaiaz ions o; saazge zapua -I ssaiun luamnzlsui Alimoas sigl zapun 'C3tligtg put suoutgilgo s,uamozzog iuoz; pastalaz aq you jp qs lamozzog •;uatmu3sui Alunoas slgl zapun s113auaq put s3ggu s jo iie memo pegs `iapua -i ,Cq panozddt si put `gup1M ul 1uautnzlsui Apunoas Slm zapun saopegllgo s,uamouuog saumsse own zamozzog jo 3saza311i 11i zossaoons 'f"e `81 uopoas jo suoisinozd agl of loafgnn •luaSUOO s,z0115ls -0O ag3 lnogliM a3oN am zo luatutulsui Alunoas srgl ;o sum am 01 pzegaz Tim suopepomui000t Cut aaielu zo now; ipotu 'puma 03 aazge uRO zamouzog zagpo Aug put zapua-I 3>ttip saazge (o) put `3uaumzlsui A;unoas srg3 (q paznoas sums am £i d 03 pa3egijQo Aiituoszad jou st (q) :luatutupsn' Ifpunaas sigl jo SWIM ag3 zapun ivadozd ag1 ui Isamu! s,zaugis -oo ag1 i(anuoo put 3uezg `ageguoui 03 I(1ao =mum' iC3unoas sigl guragls -oo si (e) („uaugis -oo„ u) atom a p apnoaxa 1011 saop pnq luattmz3sui Alunoas slip sugis -oo oqM zamouog Cut `zanamoH •lezanas put 3uiof aq pegs iC1iligeg put suoptgggo s,zamozzog legl saazge put puma/too zamozzog •punog sugrssv puu saossaaans saaugis -o0 ieaanas pus luiop '£I •ifpautaz z0 3ggu Itue jo asrozaxa aq1 apnpazd JO ;o zanitm a aq 3011 ftgs `anp uagl lunoute agp utg3 ssal spina= ul JO 1 M011og ;o 3Saua3ui ul szossaoons JO sappua `saosiad pip p map s3uam,Ced jo aoueldaooe s,zapua--j `uoileliaiii inotiliM `guipnpul £pautaz JO 3ggu Cu e guisTOZaxa ui zapua -I aouezeagio; Auy •zamozzog ;o lsazalui ur szossaoons ,Cue JO 1aM011013 1t utguo aq3 ,Cq aim! pueuiap AuE jo u0sea1 Aq ;uaiun psui iC ;unOas slip paznoas sums am ;o uor3tzt3zoutt (3ipom QS JO 311aulAed uo; auip puma 03 asn;az 03 JO 1amozuog ;0 Isamu' 11t zossaoots /Cue 1supge sguipaaoozd aouatumoo 03 papa= aq 3011 putts zapua-1 zamozzog ;0 3saza3ui 11r szossaoons Cut: JO zamozzog ;o Aprilgeli ag3 astalaz of a3ezad0 3011 pegs 1 M0110& JO 1S0J0111i ui zossaoons Au JO uamoz1Qg 3 zapua] ,(q paluezg puaumzpsui Jf3unOas sigl Act paunoas stuns am ;o uoptzruouo ;o uopeoi3ipolu 10 3uauzifed zo; aiur3 alp Jo uorsaa3xg •aam-um a lox aapua' ,fg aauuaeagaog :pasuaiag 3om aanto.uog •ZI •z uoi3oas ui zo; papinoud zapzo a13 ui pagdde aq pugs Auadozd ag3 ;o zredaz zo uopezo3saz o1 pagdde 1011 OH letg spaaooud snoautlp3Sm HV zapua] o; pied aq pugs pue puss Agazag azt .AUadozd aqp ut ;saza3ur s,zapua-1 ;0 311atuzreduti am 01 aigtlnqu3pe aze ptgp sagttu p zo; mop z0 p1EMe 'WU ;o spaaoozd agy •luaumu3sui A3unOas slip zapun 5311 1 JO ICUadozd am ur 3saza3u! S,zapuaj ;o luauutedm! itualtai uag3o JO JCUadoud ail ;o azn3ra;zo; sapnpazd luaudpnf s,zapua- ur `3tg1 gugnz a gpiM passtiusrp aq o; gutpaaoozd JO uop3e aq; gursnua `61 uopOas 111 papnozd SE a3e3surau `paun000 suit uopezaiaooe ;r `put 31ne ;apt gons azn3 atD zamozzog '3uautnz3sui 1i1unoas spp zapun s ;qgu JO I(uad0zd am 113 lsaza3ul s jo 3uauurtdwi leualt:at ua JO iCUadozd 0I13 JO azniia;zo3 ul 3insaz P1noo 'ma11igpnf s,zapua-i u `1tg1 ungaq si. `Ieul11tuo JO I?nio uaglatjM `gulpaaoozd JO U0i1Oe Cue ;l pine;ap ui aq pegs 1amoz1og •Spaaoozd snoaut11aos! 03 imam 113 uopOe ;o ;qgu a seq zam011011 11101m 3sulegu Au Ed am JO spaaoozd snoauepaoswi zamozzog samo ;eq1 ,i3ztd min a p sueatu „,Cued guisoddp„ •anp uagp 3011 zo zag3atim luaumpsui A1unoas sit!) iCq paznoas sums am 01 JO A1z0d0zd ail JO z1tdau z0 uoptzolsaz o1 ua spaaoozd snoaue11a3SJJA aq1 iiidde put 1oailoo 01 pazuoglne sl zapua-1 `uanig s! aopou agp altp alp za3 ;t: sAtp OE ulgllm uapua' of puodsal o3 sjp j zamouog `saguump 10J 9L 08 66 b 94- inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan 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 (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. 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. As used in this Security Instrument: (1) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender, (2) words in the singular shall mean and include the plural and vice versa, and (3) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. Loan Number: 0007689128 WYOMING-Single Family -Fannie Mao/FteddIe Mac UNIFORM INSTRUMENT I.T. 3/00 Initials InMials 763 orm awn 3/99 (page 11 of 15 pages) MWYIICV AOZLAMW (sated gL {o Et abed) 66/e 'new I9L Ieluw 8 BluU OWE •i •i 1N311/01ULLSNI a'W NPPa4IIVW eryuu e1 9Z 1699/.000 :JoownN ueo VdSU tonutu0 ;uu Jarp° Cue pus opeui aq pinois sluatuAnd uaniM of ssazpps atp `Jaopuas uiOZ Mau atp jo ssaipps pus taut atp alms iiIM uoigM a5uego all JO aopou uaaauM uani8 aq ii!M JOMOJJOg `JODIn30S um01 alp JO aSuigo E si aJaii 31 •al0N atp ;o ails a on paneialun JO3IAJOS uso atp jo sa2ungo aJOUw Jo auo aq uj uu psis azagj, •Me-i aiquotiddy pus luauun1isui ,ClunOas soil 'awls' alp zapun suopeSggo 311toinzas two' ae9uouc Jaga) steno ;pad pun luaumz1sai AlpnoaS sign pus aioN alp zapun anp smut/Cud oipouad saoaijoo into „JaoiAJas uno1„ ago sm uMoux) ,flpua alp in aSusgo s ui linsai 142nu ails d laMO.uog of aopou Joud lnotpiM sawn azout Jo auo pios aq use (ivatunulsui Anunoas sitp gain Jagia2o2) atom tin TIT Isamu! Inured m Jo a1 °N OR! •aauRnaia3 3o aolioN :aaapnaaS ueol ;o a2urto :aioN ;o airs •0Z •8T uopOas Japan uopezapo0n ;o aSs3 aii ui Aidde lou HMIs Oiejsu aJ Oi 21 U saga 'Jana/hot; •pazm000 putt uope1aiaOOn Ou ;u se OAT133JJO Aiin3 uj uiaz jets Aga zag paints suopugggo pun luatuninsuj Animas saga `JaMOZZOg iii luautalmnsupi uodn •Ja;suuj spun] ouuoiloaig (p) JO Alpua Jo Aitisluaumzlsui `Aoua2e Iezapa; pamsut aze siisodap asogM uopnlpsai un uodn uMmzp si Motto goes Cue papinozd `Motto s,zautiss° Jo Motto s,Jaznsmai `Motto 3iunq 'raw par (o) `Japzo Aauout (q) `i ssO (n) :Japuaj ,Cq paioaps sr `suuo% ffinMOij0; alp ;o anti' Jo auo uu sasuadxa pun sums luautainisuiaz guns And Jamozzog imp aiunbal iCmtt zapuai •pausgoun anupuoo !Tugs `nuatunrisuj ,Cipnoas sup Aq paznOas sums alp rind of uopugugo s,zamoriog pun `ivaunulsui iCnimOas sup Japan sli5p pue ,crado1d aii ui isazaiuu s,Japua-i lntp amssu of aznibai Aigeuossaz 1Ceut Japua'i sn aopou Bons sa)iei (p) pun :ivaum1isui Aiunoas sup Japan siuBp pun Alzadozd an; un ;sazalui s,zapuaq &apoaiozd jo asodznd atp Jo; paunoui sat; Jampo pun `sat; uopenien pun uopoadsui Apadozd `sat; ,sAatuons aigsuosnaz `03 paiuuu!T ion lnq `2uipnpui `ivauuuisui £Tunas snit 5upzo;ua ui paJJnouu sasaadxa Iii sAnd (o) :sluauiaazae Jo siusuanoo Jag° /Cur ;O nine;ap Ann samo (q) tpazzn000 pug uopeJaiaoon ou A sm a30 atp pun 1uaumrlsul AlunoaS snip zapun anp aq pinoM uaip gougM stuns Iis Japurj siCed (e) :JamoJJog imp an suop puoo asogs •luatutuisui iCipnoas snit &uiOz0;ua luaudpn f s ;0 Apra (tit) JO :ale3SLnaJ 02 1112p ma/holing ;0 uOpeaiuuai atp z0; tc;ioads 1112na Mn-i aiggoiiddy se popad zatpo tons (ii) `ivatutu1sui Anpnoas saga uu pauimnuOO aies ;o Jamod Cue 01 iuensznd AJado1d alp ;o aies azopaq sAip an1J (t) :jo wan= ago 03 zopd amp ACuu lu panupuoosup luatunrasui A1umOaS snp ;o luawaOJO;ua anng of lgBu tin am' Bugs zaMOJZOg `suoiiipuoo U1131aO Shout J9M0110g ;i •uonuaapaaV Jolly amsulaU o; I'l D1 s •6I 'JO/110110a 110 pumluap I0 aopou Jarpzn; inogi!M ivaumzlsui AipnoaS saga Aq paiiunuad saipatuai Aum op/tit! Arm zapua-i `popad spp jo uopn1idxa alp of Jopd stuns asaip rind 0l sire; JaMOJJOg ;T luatmxnsuI IC1un3aS sup iCq paints sums Tie And isntu JaMOZZOg ioigM unpph ST uopOas nliM aOUSp1000n ui tanu9 si aopou MO trop atp tuOJ; Step OE ustta SSOI 1011 jo popad n apuno1d iisgs aopou agy •uopszapDOn JO aopou JaMO110a Onl2 Iiugs Japual `uopdo sup saspzaxa Japua 3I MST inzapa3 Aq paiugitiozd su aspzaxa Bons ;u Japua- ifq paspzaxa aq 1011 Timis uopdo suit `JOAOMOH 1uaum1isai AipnOaS sugi £q pamOas sums its 3O iin3 uq luau:and aluipatuutu azmbai Ceti Japaa' `ivasuoO uaaluM zopd s,zapuaJ lnotpuM (paua;suep Jo pins Si Jamming uu lsazaiuu Ispgauaq n put: uoszad Fawn a iou si .1a/holing Jo) paUa;sun4 Jo pins si /iradozd aii uu isazalui Aun zo Aradozd alp ;o Ind ,Cur z0 3Ts 3I zasugOJnd m of amp aznln; n is 1a/holing Aq app ;o Ja;sam1i aii si gougM ;o 1ualuu atp luamaaz9n MoJOSO JO 3On1iuoO saps luatuiiu1sui 'pap J0; 30131100 `poop zo; puoq a ui paua;sueun slsazalui Teiogauaq asoil `03 painun lou inq Itupnpui `1(1adozd alp au lsazaiuu inpuauaq JO Iu2ai Sus snout „Auado1d ail uu lsaza3UT„ `81 uopoas sup ut poem sd •aaMOaaog u► isaaalul I1 I s JO Svadoad ag; 3o aaisusa j, •81 17699980 U866 694 requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer(s) and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (1) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (2) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (3) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law and (4) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (1) that is in violation of any Environmental Law, (2) which creates an Environmental Condition or (3) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of (1) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge; (2) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (3) any condition caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender for an Environmental Cleanup. Loan Number: 0 0 0 7 6 8 912 8 WYOMING Single Family Fannie Maa&Fnddle Mac UNIFORM INSTRUMENT I.T. 3/00 niliale) (Initials 765 Of 3051 3/99 (page 13 of 15 pages) MWYI3CV 9 92 A34lAMW 00/E %CI (seBed 91 Jo p abed) 66/E 'sae two 1N3160k11SNI WNO4INn 0.va 0.v nPPudl••W •uuu--NILU BIe4s-DMWOAM 8 Z 1.68910 0 0 :JogwnN ugo] °Me'i aiggouddy zapun pa ;uuzad si aaj ag ;o gutgzego am pug pazapuaz saoinzas zo3 Lii d pznp g o; mud si aaj alp ;i Liuo ;nq ';uaunu;sui L;tznoas sup 3urseaiaz zoj aaj a zamozzog amp hui zapua s ;soo uotpspzooaz Lug Led jugs mmouog ;uaunu;sui Munoas sup amp.' Hugs zapuar ';uaumu;sui L;unoas sup Lq paznoas sums He jo ;uauiLsd uodfi •asuaga •£Z •;i op pappua Siiao suosaad ao uosaad ag; o ssaaxa Aug (a) pus :puawna;sul Animas sigp £q patinas scans Hu o (q) :saaj ,s.fauaoppg aigguosgaa '01 pa ;iwii you inq luipnpui 'ails agp jo sasuadxa pg o; (s) aapao 2uiMoiioj agp ui paiiddg aq Hots ayes agp jo spaaaoad aq j •ails Lug le Lpaadoad agp asngaand £gw aau2isap spy ao aapuaZ -Angrj ayg11ailddv ,fq pagpasaad aauuew aq; ui P1os aq yiegs L;aadoad aqp pug 'ayes Jo aapou ag; gsiignd iisgs aapuaZ •sj uopaas ui papinoad aauuew aq; ui Jankoaaog o; aigs alp jo aapou any$ hugs aapua'I •MWZ aigeaiiddy gpp& aauepaoaa11 ui ';uaaaJiip 3i 'Liadoad agp jo uoissassod ui uosiad alp o; pue aaMoaaog o; asopaao3 op puapui Jo aapou an12 yysgs aapuaZ 'am jo aaMod aqp sanonui aapua-I II •aauapina app Jo s;soa pug saaj ,s,fauaopp11 aigeuoseaa 'o; papiwg you ;nq luipnpui 'ZZ uopaas sig; ui papinoad saipawaa alp 2umsand ui paaanaui sasuadxa 1111 paaiioa o; pappua aq iisgs aapuaZ aigeaiiddy Lq pappiwaad saypawaa aa Lug pug ayes jo aamod agp of 0A111 Lew pug pu11wap aagpan3 pnogpinw puawnapsul L ;ianaas sig Lq pumas scans 11g 3o iinj ui puawLgd apgipaunui aambaa £gw uoi ;do spy pg aapuaZ 'aapou aqp ui paupads a;sp alp aaopaq ao 'to palm ;oa si ;yn113ap aqp 3I •ales pug uopgaaiaaae o; aa,kMoaaog 3o asuajap aa ;o Lug ao ;ingJap 11 3o aauapsixa -uou aq; passe o; uoipa11 ;anon g 2uuq o; ;OP aq; pug uoi;11aa1aoo11 nun a;e;suiaa o; alp 3o aaMO.uog waoJui aaq;anj Hogs aapou aqy •L;aadoad ag; jo ales pug puawna;sui L;unaas s►qp Lq paanoas scans ag; Jo uoipeaaiaao11 u1 pynsaa Lsw aapou alp u► paiypads amp agp aaoiaq ao uo pynejap aqp ama o; aaniigi Imp (p) pug :paano aq ;sum ;ingjap alp gaignti £q 'aamoaaog o; uan12 111 aapou aq; ap11p aq3 woaj sSup OE us ssay you 'ap11p g (a) :;1nUUap alp aana op paainbaa 'tome aq; (q) :pingJap aq; (11) :L,{pads Hugs aapou aq,L •(aspnaaq ;o sapinoad Ave i a1giauddy ssaiun gi uopaas aapou uopeaaiaaos o; aoiad loll pup ;uawnapsul L ;ianaas sigp ui ;uawaaas ao ;uguanoa Lug Jo gasaaq s 2 uiMOfo3 uopsaaiaaog o; aopd aantoaaog op aapou ani3 Hugs aapuaZ •saipawag :uopspaiaaaV •ZZ :SMOIIO3 se aaz811 pug 10>:uaA03 zag).1n3 zapua-i pug zamozzo g •SINVN[AOO IARIOdINf1 NON i76999R0 no9MMW (se5ed gl Jo 91 abed) ewe me w.° 191 Sleluuu (sIell!uI Ic pp-d� n"r" :iv 8u1p1sai atlgnd IGv1ON ew mpg pereedde Alleuosied ciwe •0'y [lww6papMOUPoy .1Oj gull aryl moms goads] 00/e '1'I 1N3WnULSNI PltlodINn a•W •IPP•ad/aeW Named AlwLJ elausi»JIWOAM 8Z1.689L000:JegwnN ueoi sandxa uoissttuu[oo AIN 'ewes ey; pe;noexe Aey;/eys /ay ;ey; ew o; peBpeiMou)oe Ainp own ';uewn.isui enoge oy; }o (s)Jouths ay; 1138d111/0 S y0NI1 �rV r) }o Aep y l eyl u0 1 N100NI1 JO A.LAif1O3 :ss ONIINIOAM IO tLVLS 1138 Wtl0 s va 1 •11 ipim papiooai pue zamozzoH Xq palnoaxa (s)aapu Cue III pue luauinrlsul Alunoas slip ut paumuoo sluea0n03 puz suual alp of saadu pue sldaaoz aamoliO PACTSEI DNINDIS AEI 2m too/Cm 3o Pity! uopduiaxa peaisauioq gip 3o anliin Aq put; Japun map iie saniem pun saseaiai Aamoziof •saan[EM •I,z t6999R0 0866694 For good and valuable consideration, the receipt and sufficiency of which is acknowledged, i, Richard M. Truchot do hereby forever release and waive all rights under and by virtue of the itomestead Exemption Laws of the State of Wyoming in regard to Lot 12. of Westhills Subdivision, according to that plat filed in the Office of the Lincoln County Clerk on June 12 1992 Instrument No. 749847 as Plat No. 343. together with all improvements thereon. I realize that my wife to First Security Bank, N.A. DATED This ss. County of Lincoln STATE OF WYOMING 23rd day of June WITNESS my hand and official seat.. My Commission expires: 9/12/03 E and WAIVER 768 Linda S. Campbell has applied for a loan in connection with the pur:hase of the said property presently owned by Janis Burton Campbell Nathan Rav Campoel1 and acknowledge that the said First Security Bank, N.A. has relied upon this release and waiver in making the said loan. MX 2000 Richard M. Truchot The foregoing instrument was acknowledged before me this 23rd 12000b Richard M. Truchot day of June.