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Home My WebLink About866721(9 )0 j efied) 06/6 190£ 'mod st .togeguout aUZ Veal :gutuzof M `Aluno3 bi�I�' ut palroo] Alladoid paquosap gup ouoj am `airs 3o .tamod q1t& `iapuai of b./woo pue mug 'aSeguout iigaaaq swop iamortog `asodand stgl .tog •aloN aqi pur 1uatunalsui AltanoaS sup iapun sivautaaage pue sluruanoo s,zamoltog jo aoumuuopad aql (o) puu :ivautnilsui Alunoas sun jo Xlunoas am loaloid of L gdriSe.ird iapun paouunpe 'lsazalu! g2tM `sums Jaglo Tie jo ivauaed aql (q) :aloN am jo suoprotjtpom pue suotsualxa `stumaua.t ]]u pur `lsata1ut U `aloN agl 'iq paouaptna igap am Jo luatuAudai am (e) :Japua- of samoas luauttulsui'lunoaS sRL 660Z 5 eisek tId`3S uo a]gvhd pue anp `iat].tra ptrd 1ou 3t 'MP tin3 agl glum `sluauthd .zoj saptnoid gotgM „aloN luautn.tuui AipnoaS sun sr alrp auras am palup alou s,aamo.t.tog paouaptna st igap stuff, 06 t5g' ()9T 'S'n) s iioa ¥'OOT7ON QNK sEmt41 m iUNr]}1 XIS QNV OILI, =CIS ClaZIQN[I 3N0 Jo tuns ]edtouud am iapuaj samo .tamouog zapua-i ()ITN 2M 'NOLIY 7 N6IbNIHSVM •8E LbO8 XO$ O d st ssa.tppr asogM put ONIIAD M 30 a an Jo sMr] ag1 aapun gupstxa pur paztuegio st gotgM larlrIVA HF S 33 ?INF/a S of uantg st 1uaunuisui i(lunoaS stg1, „zamo.uog VIII sD M =CO N dO saucosu TJIDI3d0 I, NI CCE(CRIODEE QN`d ClaLLVId SF/ (ZT) EA MI• JT d i DNFRI AETNA 21K,LS NI (T) aN0 JClI L6 /8 /Z AM WHO4 (LbEZ ZO£99 NW '0(1010'LS "ON( 'S'4 1SAS SH3)INV8 IN]Wf1H.LSNI MINIM aeW elppeyd /eeW eluued Apwed e16u!S ONIINOAM •u IM ONFi QN SIli- S3dab11 H NNX9E U 53d0X zi Narn V 60OZ 'L u0 uo nt2 st „luaunutsui ,ilttnoaS) dDV ,LUUONN SIH,L aO OI oI [Kea 6ulpJoaeu 40A eull slq j enogy eaedg] g Z 8 HOW Ed ��oog 1/..990 [apoj d!z] „ssampy Ifuadotd LtTE$ 2ututoAM n1=s] aAI2NQ krau'ios 8f Jo ssazppu alp SRI gotgM OMAN f@” t 7 mu 3s oopow 'slum 40 isvsTA'S 101- giq£ToEo 0866?21 826 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum "Funds for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, if any; (e) yearly mortgage insurance premiums, if any; and (f) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance premiums. These items are called "Escrow Items." Lender may, at any time, collect and hold Funds in an amount not to exceed the maximum amount a lender far a federally related mortgage loan may require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. 2601 et seq. "RESPA unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. BANKERS SYSTEMS, INC., ST. CLOUD, MN 56302 (1- 800 397 -2341) FORM MD -1 -WY 2/8/91 Form 3051 9/90 (page 2 of 6) (9 Jog abed/ 06/6 LSOE wJod ageguout jt `zapua-I 3o uopdo 3111 le `pa .1mbaz aq zaguoi ou Mutt sluauged amasa.1 sso-i •aouunsut aguguom jo nali uI amasat ssot a se sluauzi(ed asa141 uie13.1 put asn `idaooe IIIM zapuo' •loaj ;a ul aq o1 paseao zo pasde4 a aoueinsut aril ua14M zamozzog iiq pled gutaq tunluia .1d aoueznsul o2v2uouu Sinai( agi jo tigiami -auo of Tuba tuns E 111110111 goes zapua of hd pegs aan+ouog `aigeitene lot st agei0A00 aouunsut aguguotu 1uaWntnba ,ipepuelsgns 3I .1apuaj ,iq panozddu .1ainsut 32e2uom muumuu ue uuouu `1oaja ut Aisnotnazd aoueznsut 02u2uouu all Jo JOM0110g 01 1SOO 3141 Ol luaJeninba Apetfuelsgns lsoo a 1e 'raga ut Aisnotnazd a3uu .1nsut 02eguoui 3111 01 1ualentnba Apetluefsgns agelanoo up iqo of paitnbai suznituaid 3141 pied pegs zamouog lzajp.a ut aq of saseao zo sasdel zapua-i Aq pazmbai a2eI0A03 aoueznsut agE2uo u aril `uosua.1 Aus 10J 11 •103333 ut aouE.insut ageguoti am ttuluieut o1 pa1mbaz suintuiaid 3141 tied pugs zamouog `luatutulsul ,ilunoas sup i(q paznoas mot am Suplum jo uompuoo u su aoue.insm ageguoum pannba1 zapu3J 31 a x nsui 3SuSlaop •g •luatu,ied gupsanbai .13MOU013 01 zapua' uio .13 aotlou uodn Isamu!! 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zapua-i 3i •s4emaua.1 pue satopod a141 Noll 01 11424.1 0141 aneg 4te14s zapu3-I •3sne4o ageguotu pmepusis a apnlOUl 44uus pue .1apua-I o1 atquldao0e aq pugs siemauaz pue satopod aoUeznsut Iid L 14dez2ered 'gum aouepz000u ul ,ivado.1d 3141 111 siggu s,zopual loaiozd o1 agezan00 utu1go uotldo s,zapua-i 1e `Sum .1apua4 `anoqu pagliosap agez0A00 utulututi o1 S4te3 zamouog 31 •plat4gi4M A4QEuosea .1un aq 1011 pugs 140u1M 11111ldde s,.1apua'4 01 loafgns zaMOUOEI uasogo aq pugs aouuznsut 0141 Sutp4no .1d zaureo aote .1nsut 314,1, •sannbaz Japual 1eg1 spouad 3141 zo3 pue sumo= all ut pautulututU aq grits a0tueznsut spa •aoue .1nsut saztnbaz zapuari tot14M Jo3 `21Itp00T3 10 Sp0o43 gutpniotn `spreze14 .131410 Ate pue „a2e 131100 papu3lxa„ utual 0111 utllIM papniout sprezeg 'mg sso4 1su1E2e pa .1nsui Auadozd all uo pavan zalJeaza14 gutlstxa Mou sluauuanozdUUT all ciao)! 11u1s .1amouog •33ummsui ,fl.iad0.4 .10 paersg •S Lz8 L6/8/Z AM L Wtl03 Ilb£Z ZOE99 NW 'Ol01o "OM 'SW3ISAS SH3NNV9 0866741; 828 insurance coverage (in the amount and for the period that Lender requires) provided by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; Joint and Several Liability; Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in conncction with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender: Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. BANKERS SYSTEMS, INC., ST. 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IOMOJIOg ill 1901alui impauaq 9 A.! Jo) palloJsu911 SO pios st 114 ill lsalalu! Sur Jo Auadold am J0 119d tiU9 .10 49 3I •JaMOalog ill ;Sala ;ill Iy3!Tauag y 10 ,f;aadoJd at; To 1gjsuya,I. *LT •luatunllsul'iltlnoas snit Jo pug a30N a41 3o Adoo pauucquoo auo uaAi2 aq !jets IaMOIIOg •Adop maMOaaog •91 T72,9980 0866'x;41 sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. 23. Waivers. Borrower waives all rights of homestead exemption in the Property and relinquishes all rights of curtesy and dower in the Property. 24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument. [Check applicable box(es)] Adjustable Rate Rider Condominium Rider 1 -4 Family Rider Graduated Payment Rider Planned Unit Development Rider Biweekly Payment Rider Balloon Rider Rate Improvement Rider Second Home Rider Other(s) [specify] BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. My commission expires: C)C. 1:?, 2 ROD R. JENSEN NOTARY PUBLIC County d Linroln State of Wyoming My Commission Expires October 12, 2000 BANKERS SYSTEMS, INC., ST. CLOUD, MN 58302 (1- 800 397 -2341) FORM MD -1 -WY 2/8/91 'ALIEN R. HOOPES by ..HoopEa AND. TAI` I MN. H., QDPES... e I MD .5(4X t^1Z (person acknowletCging) Social Security Number �YT W (Seal) EMI H HOOPES Borrower Social Security Number [Space Below This Line For Acknowledgment] STATE OF WYOMING, ....LINCOLN County ss: The foregoing instrument was acknowledged before me this ,;,tri.�.° 7 dQQo (date) Notary Public 830 (Seal) Borrower Form 3051 9/90 (page 6 of 6) 1z jo j aged/ r £s 86/8 L/E Skid WJod NW'pnol0'1S "DUI 'swelsA9siequeg (31v1SlllfnW) H34IH 1N3WAVd O3XI3 3SOdafldll 'IapioH aloNi atp Aq paltnbal ji amid lualajjip lv Io bI'La$- XM N6L3Ft t ISW HE LOb$ XOH 6 d sluautXgd painpanos Xut a}igm 11 I „•alep Xlunlgut„ alp pope° s? goinm 'am) peiip uo iin3 u? spunouty asoll /fed Him I `aloN Steil Iapun siunomt amo iips I n '0£ 133 Id'2S uo `31 'igd!ou ?Id aiojaq lsalapui of middy aq Him sluautAed pompanos AIN s ?nl Iapun amo /ieut 11g11 moiaq paq ?Iosap saIgno Iagpo Auv pug Isaaalut pue p diouud anp jo iiv pied anen I spun pompanos se sluau[Aed asap awu Him I sluacuSrd 3o amid Pun alga SminlBL4i (g) •anp s? p? 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FUNDS FOR TAXES AND INSURANCE (check one) Uniform Covenant 2 of the Security Instrument is waived by the Lender. Uniform Covenant 2 of the Security Instrument is amended to read as follows: 1. The word "monthly" is changed to "scheduled." 2. Paragraph 3 is amended to read as follows: If the funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to the Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at that time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the shortage or d ,tficiency. Borrower shall make up the shortage or deficiency at Lender's sole discretion, subject to the requirements of applicable law. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Payment Rider. 832 (Seal) Borrower (Seal) Borrower Bankers Systems, Inc., St. Cloud, MN Form MPFR -PRS 3/18/98 /page 2 of 2)