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Home My WebLink About866019i6 /S p puawV 06/6 IOC mao slLn1uI (s)laMOlion n I `scu 9JoIAu .LNaL1if11I,LSNI I/111103INf1 DY1f IH3 /VIAIN3 01 9NIN AM `osIj lunowu lasso! u sfas spun3 aql of sarlddw Imp Mu1 aaglouu ssalun „vdsgu bas Ia I09Z uoluoas 'O ZI `mill of =IP um-1J papuaww sv tL6 1 ,f0 l3V saanpaooad auaulawaS al03sg qua l iQaapa; agf aapun Iunoaau MOaasa s,aaMOlaog aoj 0ambaa ,CQw ugo1 aapow pafwlaa /Clivaapa. aapuai a lunowu wnunxww aql paaaxa 01 loo lunowu UU ui spend ppq puu pa11OO `aw11 ,Cur au ',CQW aapuarl Moaosg„ paliQO aa0 swap asata •swnlwaad mougansui aMfaow jo luawXud ayl jo nag ui `g gduauand jo suo!sinoad aqf gum aouupa0000 u1 `aapun' 01 aaMouog ,Cq a1g0,Ced suns ,Cut (1) pu0 ',Cue }i `swmwmad aouuansw a2alaow X1JQa,C (a) `,Cu03r `swntwaad aoutansur pood ,ila0a,( (p) `.swmwaad aouuansui Xfladoad ao pluzwq Xpro (a) `.,(uu 1! `,Claadoad alp uo sluaa puno18 10 sfuaw,(0d wows ,{ll0a,( (q) `.,(f.ladold agl uo uag g se uawnafsul ,C111noaS s141 JOAO ,C311opd mono Sew go1LM sluawssassu puu saxei ,C1iQa,C (u) :ao; „spun3 ins 0 'HT 141 mud s1 aupq agf r11un 'aloN aqi aapun anp aau sluaw,Cud ,Clq ;uow ,Cup aqI uo aapuai of ,CQd !lugs aaMOalog `aapuaq Cq aaMMM ua1IUM g 01.10 M01 alg0orlddu of foafgns •aauuansui puu sax01, ao; spung •Z •afoN alp aapun anp sa nga af01 puu fuaw,Cudaad ,(140 pu0 aloN aql riq paauaptna ;qap aqI uo Isaaafu! puu to 1udlouud all anp uagm ,Cud ,ijldwoad Hugs aaMouog •so .OqJ a;wg puw ;ualu,Cedaad :Isamu' pug iedraulad ;o ;uaw,COd •I :sMoilo; so 03a2g pug luguanoo aapua1 pun J0M0110H 'S.LNVNgA00 YARIOdINfl ,Ci.ladoad Ig01 2wlOA03 luaunafsul ,Clranoas na1O;1w1 0 afnftlsuoo of uo1O!Psunf ,(q suoifgllgn paflunl gl!M sfn0uanoa wlojrun -uou pug asn IQU0U0u ao3 sfuwuanOa u1o;lun saulquoo LNgY1II12ILSNI A.LI2iIlOIS SIHI •paooaa jo saouwagwnoua ,Sou of Ioafgns `spu0wap pug swtnlo ilw ;su1Ou Xlaadoad 0141 of app aqi Xptaaua pualap wM pug sluwaiOM 1aMOfog •p10aa 3o saauuagwnoua ao; fdaoxa `paaagwnauaun st Apadold ag1amp pu0 ,(faadoad aqI ,Canuoo pug luua8 `a &r.8faow of Ig3u agl swq puw pa,ianuoo ,(gaaag alulsa agl ;o pastas /C11nmmu! s1 a0M0a10 1 10141 S.LNVNHAOO 2IHMO2RIOg „',CUadold„ mg se luawnlIsui ,Clranoas scut uc o3 pa11aJa1 s! 2ulaalod alp Jo IIf7 luawnalsui ,Clunoas scut /Cc' palanoo aq osiw hugs suorlcpp0 puw sluawaooidal IId ,tlladold ay. Jo laud o 101j001au 10 moo saln;xij pug `saou0uallnddu `sluaucasua IIu puu `,Clladold 0141 uo pavan 101J001au 10 nnou sluawanolduu 0141 II H.LIM 2IHH.L190.L „ssaappy ,ilaadoad I0I£S ONIIAIOAM `unta11IIAt1)I IAV NOS'If1O0 I£1i ;o ssaapp0 alp sgg got4M •30111111111 .LV'Id'IVIDk1I011111 NO Q11fI80S11Q SV ONIIAIOAM `A1.Nf10a N'IODNI'I `1111N11WIAr11)I 30 NMO.L 1111,E 01 NOISIAI IIMS HIV S,LHOI11H N'IODNI'I IH1, 10 9 )I00'I11 30 L 101 :21.!wo,CM `,ClunoD N'IOONi'i ui pa100w ,(laadoad paquosap 5 u!M 0 11o3 agI `alas ;o aaMod q1!M `aapua'-1 01 danaoo pun 1U01$ `a8w8f1ow ,Cgaaaq slop 10MOl10g 'asod.md sup Jo' .0 1 0 N agl puw Iuawnafsul ,Cfunoas sup aapun sfuawaala0 puu sI00uanO3 s,aaMOlaog ;o aouOWJo31ad agf (o) puu `.fuawnafsul ,Cfunaas s1141 Jo ,(lunaas 0141 loaload 01 L gdga80agd aapun paouOnpO 'Isaaaf0! gltnn `suns laglo 1(0 JO Iuaw,COd aqf (q) `.aloN am ;o suolf0og(Pow pug suolsualxa `s(OMaua1110 pug Isaaafui 1411M `afoN alp ,C paouapina !gap amp faaw,{udaa aql (o) :lapuarl of swims fuawnafsul ,Cflanoas sru p 'soot I aunt' uo am/Cud puu anp 'nil= prod loo ;1 `!gap Iin3 aql 41!” 'sluaw,Cud ,Clgfuow ao; sapinoad goiwM =for fuawnafsul RflanoaS s19I SO anp awws agI !amp aloe s,1aMO11og iq paouapina s1 !gap sea '(00 'S'(1) S 001 /00 pug QNVSI1OHI XIS-A.LNaM,I,;o ins 1gd[ouud aql Iapuai saMO 19M0110 aapua-1 911178 HV,LII `A.IIO 11)IV1 I'IVS 1'Id11Ia1 MINON M GUI s1 ssaappu aso1M pun `HV,LR3o sM01 alp aapun 8u11sixa pup paziUO a( si ga1gM NOINf1.LIQIDI0 ,S1111A0'Id1AI11.LH311 r' 1I11MOd HV1 f102 uant8 s1 luawnalsul C111naas sigZ „Jamonog F N 7 1 1' AVYT 00 QBA1L33 J 6W 21d t rl x005 IHSIN 2I 11NVIQ 2I11HOV11fi f 'ILlVd sr 10aa11ow 0111 000ZLJwb1I uo uanr$ sl „luawnalsul ,ilianoas gDVD.L'IOY"I SIH.L V't )1 gfdt ftVD1llOI (z1SQ 2uiplooall 1o3 au!Z sp.” anogy ands) 61099E :"OM 1apa0 uoO-I 911178 HV.LI1 `A.LIO TAV'I .I'IV S 111dIAI111 HIMONT M LO17i NOINII 11U31 3 1S1111AO'IMAI111119I1 HaMOd HV.Lfl :01 IIVY�I `C[11Q2IO0112I N11HM U8titi0 .."i 090 Lender may, at any time, collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender may require Borrower to pay a one -time charge for an independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the sums secured by this Security Instrument. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. 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, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. 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 any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin when the notice is given. 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 the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. 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 WYOMING Single Family FNMA /FHLMC UNIFORM INSTRUMENT Form 3051 9/90 Page 2 of 6 Amended 5/91 Ins, Inc Borrower(s) Initials '..l I 6 /S Impurity 06/6 IS0£ 11IJO3 160 S1eiTIUI (s)JaMOJJO$ 'SUI 9J0 E Oft LPI3L1IR21LSNII 11111031N11 oPu!S •,Cpawoi .10 u4.1 ,Cue ;o asiraaxa ay; appal(' Jo jo JanieM a aq sou 'pus,Cpawai Jo fl ,Cue Buis!OJaxa ui Japuai Cq aoue.rn gJOJ ,iud •lsaaalui ui sJOSSaoOnS vowing JO JaMO.uog 1gui3uo ay; ,Cq apew ptrewap ,iue ;o uoseaJ Cq luawn.nsui ,Cir.Inoas siyl Cq pan swns ap ;o uoilezi /Cppow asiMJayio Jo luaw,Ced Jo; awrl puma o; asnJaJ 10 1S=1Ui ui Jossaaons ,Cue 1SUIt2g s&ipaaooad aouawwoo of pannbaJ oq ;ou Begs Japua-i •isaaalui ui siossaoons S,JaMOnog Jo JaMoJJog ieORO ay jo kliiigeii ay; aseaiai of aleaado sou Boys JOMO.UOJ, }o lsaaalui ui Jossarons Are o; Japul dq puma ivawnJlsui ,Clrmoas siyi Cq pumas swns ap ;O uopurtpoure Jo uoileoyipoW Jo luau/Cud Jo} aural aya jo uoisualx3 •JaniuM ioN lapuarl ,Cg aaueueaq.log :passaim ;oil .ianAoa.iog 'II "sluaw,ced gons ;o ;unotu0 ap agueya Jo z pue l sgdti easd ur of pauapai sivaw,Ssd ,ilgiuow amp alep anp am auodlsod Jo puma Iou Heys ledioupd of spaaooad ;o uoneoydds ,Cure `gur;uM ut aaae astMJaglo JaMoJJog pus Japua-i ssalun •anp uayi sou Jo JaglagM `luawnJ ;sui ,C0pn0as sup ,Cq paanoas swns ap of Jo ,Cp0do1d all Jo Jiedaj Jo 11011B.101S01 o; Japia `uoildo sit ie `spaaooid ap ,Cidd0 pun loapoO oI pazpoglne Si Japuari `uantg si aopou agl amp ay; Jags s,Cep pI u[pfM Japuag Ol puodsaJ oI slit; JaMonog `sageurep Jo; wreio adios Jo prime up a>iew of SJOJJO Jouurapuoo aq; soli JOMOJJOg Ol Japua-i Xq aoi;ou Jags 3i Jo `JaMoJJog Cq pauopuege sT ,CliadoJd a nji •anp ua or swns ay; sou JO JapayM luawnJlsui ,ii sip Xq paJnoas stuns ayi o; paydde aq pggs spaaooad agl `sapinoad astMJaylo Mel aigeogdds ssalun Jo 2uppM ui oo.ap astMJaglo Japuol pus JaMO.uog ssalun Tupigl ap aJo }aq ,Cia ;eipawun pamoas swns 0141 JO lunowe am tre ssal sr guniel ap aiopaq ,Cialetpawwt XpodoId aql ;o amen my= JTeJ agl yariM uI ,Cpadoad ayi Jo 3ui>1ei ieuaed g ;o ivana ay( ui •JaMoaaog in pied aq iieys aouurq ,Cud Buniel ayi along ,Cialeipawwi XpadoJd aqi J o anion to .rnw JieJ ay; (q) Cq papinrp `3ui>iel ail aaonq ,Cialeipawwi paanoas sums aql ;o lunoure 1e101 am (s) :uoipei; 2uiMopo; ail iq paiid► ;inw spaaooad ayi jo ;unows ayi ,Cq pampa., aq Begs IuawnJlsui X noas sup ,Sq paanoas swns ap `dui ;ruM ui =Au asiMJapo Japual pug JaMoJJog ssalun `gtipp i ail ongaq ,Cialeipawwi Iuawn.nsui ,Clunoas sup cq paanoas swns amp lunoure ail uttp Jo eaa Jo of lenba su'Rupp ail aiopaq ,Cialeipawwt ,C;Jadoad ail jo alien la>iJeur Jig; am goigM ui XpadOJd ayi jo 2ui>19 lgiped e jo Juana ayi ui •JaMoJJog of pied ssaoxa ,Cue glint `anp urn sou 10 JaylayM `ivawn.lsui *moos sty; Cq paJnoas swns alp of paiidde aq pegs spaaooid ail `,Cpadoid amp Rui>iel ie ;o; a jo Juana ail ui aapua� O; pied aq iieys pus pauaisss ,Cgaaay aJe `uoi ;eUwapuoo ;o nail ut aoug,SanuoO Jo; JO `,C;10do1d 01j1 JO lied /CUE Jo 2ur31e1 Jaglo Jo uoileuwapuoo ,Sue gum uoi;rauuor ut `lei ;uanbasuoo 10 nano) `sagetuep JO; wiep 10 pJeMe ,Cut ;o spaaooad agi, •uol ;euwapuoD •0I uopoodsU! ail Jo; asner aigeuoseal gui jioads uoiloadsui ut of Joud JO jo amp ayi is arilou JaMoJJog anig pegs Japuo i ,Cpadoad ail ;o su000adsui pus uodn saplua aigquosiai a>p iu Sew luagu sli Jo Japuaj •uoipedsul •6 *mu' aigeoyddg 10 mpuaj pus JaMO.uog troomnq luawaaJge ualli1M (ue glint aauepaoaae ui spur arueinsUr agapow Jo; ivawannbaJ am iilun `anaasai ssol a apinoad 01 Jo 'raga ui aoueansui agOpow uieluiew of pannbar swniwaid ayi ,Cod hogs JOMOJaog •paueigo si pue algsiiene saurooaq uinRe Japuoq Cq panoidde Jainsui ue Xq pap/told (sannbai Japua7 ieyi popad ail Jo} pue lanoure ail ui) eaanoo aouemsui a2e2pow J1 `Japua-I ;o uoi;do agI le `pannba.i aq Jaguol ou ,Cow Sluaw,Ced anaasa' ssori oousansu! a2apow Jo nail ui anJosoJ ssoi a se sluaw,Ced asap uielaJ pue osn `Idaooe hint Japua1 •;oa33a ui aq 04 pastor Jo pasdsi a2ea0n00 ooueansui ayi uogm JaMoaaog ,Cq pied Araq wnrwaad aousmsut aegpow /Ciaea,S ayi jo ggiaM4 -auo of ienba wns a gluow gaga Japua(I of ,Cod Bugs JaMoJJog `algepene sou si ageaanoo aoueansui agapow ;uaieninba ,Speilugisgns Ji •Japuaq Sq panoaddv Jamsui agegpow alelualle Jr wag ;oa }a ur ,tisnoinaJd arueJnsui agegpow a jo JaMoJJog o; lsoo ail of luaienmba Xpepuelsgns ism ale 'pogo uT Xisnoinaad artreinsur aeglaow ayi of luaieninba ,Ciietlusisgns ageaanoo u of pannbai swniutaad ayi ,Cod pugs JaMoJJog 'raga ui aq o; saseao Jo sasdel aapuo i Sq pannbaI ogeaano0 aatreansui age9potu ay1 `uoseaJ Rue Jo3 JI '1ra33a ui a0ueansur age2pow ay; uteluiew of pannbai stun uoid ail ,Cod slogs JaMoJJog luawn.gsui ,C;unoas 9141 Cg paanoas mot a gunipw ;o uoi ;ipuo0 a st arugansui agegpow poJnbal Japua-I ;j •arusansul aged;JOIAI •g •luaw,ied 2uilsanbai laming 0; Japual wog aoilou uodn `Isaac ;u! glint `alge,Ced oq pugs pue alga aioN aq; is luawasangs1P jo olep ail wag Isaac ;w roil hugs slunoure asap `luaw,ced ;o stwal Jay ;o Ol a0Jgs Japuo l put JaMoJJog ssalun •luautn.gsui /Clunoos sly; ,Cq paJnoas JaMoJJog ;o lgap leuoilrppe autooaq Bugs L gd0J20.ed sip Japun Japua1 pasangsip siunotue ,Cud os op 01 aneg ;ou saw Japua4 `L gdeagmd sip Japun uorloe 019 ,Ceur noun Onoyild snedai a>lew of ,Cpadoid ayi uo gui.I01U0 pus sac; ,sdaw0lle aigeuoseal &ur,Ced Imo ui gUpeadde `luawn.lsui ,Clunras suit JOAO ,Cii.Ioud soy y0iyM'uar e Sq paanoas swns ,Cue gui,Ced apnpw ,Cetu SUO!;oe s,Japuog •,Cl.iadoJd alp ui supra s,Japua•i pue ,Cpado1d rip Jo onion ayi loaload of ,CJessaoau si Janargm ao; ,Cod pue op ,Cow Japua' 11014; `(suoileingaJ Jo SMei a0JOJua 01 10 aanira ;JO; 10 Uoueuwapuor Jo; `a;egoad `,Coldnnpreq ui 2uipaaooid a se yons) ,CpadoJd ayi ui S4q !1 s,Japual nave ,Ciluergiu2is ,Cow ley; guip0000ad 1029 a st onto JO `IUawnIisui ,Cil.inoas sup 0! paure;uoo sluanna& pue slueuanoO ay; uuoj.ad o; sire; loMOaaog31 S;Jad01d ay; ul s;gAg s,Japuarl ;o uoi;aal •L ur ;i.M 0i Ja2J0111 0141 01 saaw& mpual ssalun aglow 1ou pegs 01ul aa; ay; pue plogaseai ay; `,Cpodoad ay; of ailil aa} sannbre JaMoJJog Ji •asgai 0141 ;O suoisrnoad ap lie glint Xldwoo slugs JaMo.uog `pioyastai g uo si luawIulsul ,Siunoas sip ;i oouapisoi lediouud s se ,cpadoad ail Jo ,Couedn000 s,JaMOnog guiwaouoo suoileluasaadaJ `01 pap!' sou nig Tuipnpui `aloN ay; Cq paruapi to 11001 ail glint uoiloauuo0 ui (uoilouuoJui lepa;ew ,Sue glrM Japuarl apinoad Ol poke; Jo) Japua' of s;Uawa4Ois Jo uopewao;ui alem00eui Jo asIOJ Xileuartu ana `ssaooad uoiisoydde U0ol ay; gwJnp JaMoJJog Ji yne ;ap ui oq 0010 list's JaMoJJog •isaaa;ui ,Ciun0as S,Japua-i 10;nawnJISUI ,iiimoas sup h patro.ro 1101i a111 Jo ivawnedun ieua;ew Jaylo Jo ,CA.IadoJd ap ui lsaaalur S,JOMOJJOg agl Jo amlia ;Jo3 sap `uoilsuiULi0Pp ylie3 pool s,Japual ui `igyi 'duyn.I e glint passrwsip aq of guip0000ad Jo uotloe ay; guisne0 dq `g) gde.ggJed 0i papinoad ss `aleisu!01 pue llne ;ape inns aanO ,cow JaMO.uog Isaac ;ui ,Climoas s,JapuaJ 10 IuawnJisui Xiimoas sly; Xq pavan uay am Jtedwi Xlisportu as!MJaylo Jo Xpadold alp jo aJnlia ;JO; uI linsaa pinoo ;uawgpnl yli0J pool S,Japuarl ai rip ungaq sr `jOUiw JO limo Ja `guipaaooid Jo wpm aanlia3oj ,SU0 ;r iineJap uT oq 1104s .I0MOJ.IOg •,C;JadoJd 0113 uo OISUM ltwwo0 Jo `aleaopalap of ,Spado.d ail; maim `,C3Jado1d ayi nsdwi Jo a2ewgp `,io1lsap sou limp aaMOJJOg •iolluoO s,aaMOaaog puodaq axe yoigM isixa sa0uelswn0n0 2uiienualxa ssalun Jo `ppgpiM ,Cigeuoseaaun aq sou pegs 3UaSUOO 4Ot4M TuiluM ut saaJfe W O'` S IIIP U Y' ;C>4f 1.`.) 0 9 2 12. Successors and Assigns Bound; Joint and Several Liability; Co- signers. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who co -signs this Security Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. 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 delivered or mailed 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. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) 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; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the 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 paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also may 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 in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any I lazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. 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. Borrower shall promptly give Lender written notice of 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. If Borrower learns, or is notified by any governmental or regulatory authority, 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. 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Witnesses: IDS, Inc. STATE OF WYOMING, Lincoln County ss: 7 iA The foregoing instrument was acknowledged before me this May4-2, 2000 �,4, PAUL J BEACHLER and DIANE R NISHI. My commission expires: February 2, 2002 WYOMING Single Family-- FNMA/FHLMC UNIFORM INSTRUMENT Page 6 of 6 "aer 1 PAUL J BEACH LER /r 11,4W /C 1/1 4 4 (Seal) DIANE R NISHI Borrower (Seal) Borrower (Seal) Borrower Notary Public 094 (Seal) Borrower Form 3051 9/90 Amended 5/91