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iI 205
Property, (b) leasehold payments or ground rents on the Property, and (c) premiums for insurance
required by Paragraph 4. The Borrower shall furnish proof of payment to Lender upon request
by the Lender.
3. Application of Payments. All payments under Paragraphs 1 and 2 shall be
applied by Lender as follows:
FIRST, to interest due under the Note;
SECOND, to amortization of the principal of the Note;
THIRD, to late charges due under the Note.
4. Fire, Flood and Other Hazard Insurance. Borrower shall insure all
improvements on the Property, whether now in existence or subsequently erected, against any
hazards, casualties, and contingencies, including fire, for which Lender requires insurance. This
insurance shall be maintained in the amounts and for the periods that Lender requires. Borrower
shall also insure all improvements on the Property, whether now in existence or subsequently
erected against loss by floods to the extent required by the Lender. All insurance shall be carried
with companies approved by Lender. The insurance policies and any renewals shall include loss
payable clauses in favor of, and in a form acceptable to, Lender. Borrower shall furnish a copy
of the policy or policies of insurance to the Lender upon request by the lender.
In the event of loss, Borrower shall give Lender immediate notice by mail. Lender may
make proof of loss if not made promptly by Borrower. Each insurance company concerned is
hereby authorized and directed to make payment for such loss directly to Lender instead of to
Borrower and to Lender jointly. All or any part of the insurance proceeds may be applied by
Lender, at its option, either (a) to the reduction of the indebtedness under the note and this
Security Instrument, first to any delinquent amounts applied in the order in Paragraph 3, and then
to prepayment of principal, or (b) to the restoration or repair of the damaged property. Any
application of the proceeds to the principal shall not extend or postpone the due date of the
monthly payments which are referred to in Paragraph 2, or change the amount of such payments.
Any excess insurance proceeds over an amount required to pay all outstanding indebtedness
under the Note and this Security Instrument shall be paid to the entity legally entitled hereto.
In the event of foreclosure of this Security Instrument or other transfer of title to the
Property that extinguishes the indebtedness, all right, title and interest of Borrower in and to
insurance policies in force shall pass to the purchaser.
5. 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 the Lender determines this requirement will
cause undue hardship for Borrower, or unless extenuating circumstances exist which are beyond
Borrower's control. Borrower shall notify Lenders of any extenuating circumstances. Borrower
shall not commit waste or destroy, damage or substantially change the Property or allow the
Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if
the Property is vacant or abandoned or the loan is in default. Lender may take reasonable action
to protect and preserve such vacant or abandoned Property. Borrower shall also be in default if
Borrower, during the loan application process, gave materially false or inaccurate information or
statements to Lender (or failed to provide Lender with any material information) in connection
with the loan evidenced by the Note, including, but not limited to, representations concerning
Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a
leasehold, Borrower shall comply with the provisions of the lease. If Borrower acquires fee title
to the Property, the leasehold and fee title shall not be merged unless Lender agrees to the merger
in writing.
all; jo sauautaatnbaa all; grim aouupa000u ut panoaddu uaaq Jou sup aipaao Jag JO sill
lug Xaaadoad all; Xdn000 os saop aa;usa5 JO aasugomd all; JO `aouapisaa judtouud
Jag JO sill St 003usa2 JO aasugomd all; icq paidn000 ;ou st Xa.adoad aga (ii)
pug `aaMonog aLi; Aq
(auaosap ao astnap Xq Imp aag ;o) paaaajsusa; astnnaag ;o JO pjos Si `Xaaadoad milk)
a.red JO llu &utumo asnaa u ut isaaa;ui luiogauaq u JO `Xaaadoad alp jo aaud ao Hy (i)
auautna;sui Xlimoas sip; Cq pamoas sums aLi; pup jjnj ui ;uauxXud a ;sipauzutt aiinbaa
`nnuj ajquogddu Xq pauiuuad ji `ilpgs aapuaq •lnno zddy pipa.i3 ;noq ;IM aiuS (q)
•;uauma;sui A;ianoas saga. ui paui iuoo suoiau2ijgo
Jatpo Xuu uuojiad o; `skep )(pup jo pound u aoj `Suipm s;jnujap aamonog (ii)
JO
`luau /Cud ,ijg ;uout;xau all; jo alup anp all; uo JO 02 aoud ;uautnaisui A;imoas sup
Xq paatnbaa ivautXud Rjgauout Xuu jjnj ut ,Cud o; 2uiji j Xq sajnujap Jamo.uog (i)
;uauma;sui �;tmoaS
sup Xq pamoas sums jo iinj ut ivautkud ampau u i aatnbaa Ault' aapuo •;lnujaa (11)
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;qaa jo uoi ;uiaiaaay .ioj spunoa9 g
o ;aaag; pajai ;ua Aite2al iilpua all; 02 pied aq pugs
auauma ;suj Iiaimoas sip; pup a }oN all; aapun ssaupa;gaput Suipusas ;no jju /cud o; paatnbaa iunoutu
lit JOAO spaaooad ssaoxa •sauautkud 1[o1S JO 1.11110111t all; amigo JO `Z gdua ?sand TIT 02 paaaajaa
aau got4nn `sivauzkud iJq;uout amp aaup anp all; auod ;sod JO pua;xa aou pugs judiouud all;
oa spaaooad milk) not ;sotjddu Auy •judiouud jo;uauardaad of sag} pup gduaguaud ut papinoad
Japan all; ui middy slunoun luanbuijap Jup oa ;sag `IuautnJIsui Iumoas sup pup a2oN alp
aapun ssaupa;gapui aga Jo not ;onpaa all; o; spaaooad pons Xjddu hugs aapua' •;uatuna}sui i ;ianoas
sup pup aioM all; aapun piudun sureutai Imp ssaupalgapui all; jo 2unotuu iin3 alp jo ;uaixa alp
o; aapua'i o; pled aq iegs pup pau5issp Agaaag are `uoppuutapuoo jo amid ui aouuXanuoo aoj JO
`1(210doad all; Jo a.tpd AIM jo 2upju; Jag ;o JO uot;puuzapuoo iiue g ;inn uot;oauuoo ut `jlJluanbasuoo
ao ;oaaip `saSuump aoj utiujo JO primp Attu jo spaaaoad aqZ •uoi;nuutapuoa
•ajquXud pup anp Iilaapipauzurt aq pugs
`aapuaq Jo not ;do all; ;u pup `a;sa asaaa}ut ;lnpjap all} JO `a;sa 010M 042 ;u `ivautasmgstp 3o aaup all;
map asaaa;ui asaq jjpgs s;unouau °sou, •auauma;sui Xaimoas sup xq paanoas aq pup aamoaaOH JO
;qap jpuoi;ippe up autooaq jjugs gduasaud sip; aapun aapuaq pasmgsip saunoure Rud
•Z
gdu1Vsaud ut pauoi;uaut suzaai Jag ;o pup aouumsut papzug `saxu; jo aualuked Butpnjout `Aaaadoad
all;
ui sigpta s,aapuaq pup katadoid mil Jo anjpn N120010.0 oa £tussaoau st Jana ;u4M iced pup op
Amu aapua-i sag; `(suotaujnSaa JO snnuj OOIOJua o; JO uot;uuutapuoo aoj `So;dnnjupq ui 2uipaaooad
sg Lions) Xa tadoad all ui s,aapua -i aoajse Jij;upopiats Xsut Imp 2uipaaooad ju aj p st aaatp
JO `auauzna;suj ,fatmoas sign ui paurp2uoo s;uautaaagu pup sausuanoo Japan Xup uuojaad o; sjlej
ao `Z gduauaud'iq paatnbaa sauauz1iud aga JO s;uauz1iud asap} a)jpuz o; sjipj aamonog Ji
•s;uauzCud asap;
Sutouapina sadtaoaa aapua' 01 gsiumj AJ;duzoad pugs aamoatog;sanbaI s,aapuaq uodn `Aatadoad
all; ut ;saaaaui s,aapuaJ loam iijasaanpu pjnom Xud oa amjiuj 3i •;uatuiiud aga pamo st goignn
C4aua all; oa Xjaoanp amp uo suotaOtjgo asap; ,Cud pugs aamoaaog •Z gduasaud ut papnjoui
Jou am ;ug3 suopisoduti pus soup tango judioiunm JO juauautuaano2 jju Aud lisps JOMOaaog
•S4.1adoad alp u! wpm s,Japuai 3o uot;aa;oad pun ..tanto.uog o; sanugp •9
Lender.
2 0 '1
(c) Default Interest. If Lender has not received the full monthly payment required
by the Security Instrument by the end of the thirty calendar days after the payment is due,
Lender may increase the interest rate as described in Paragraph 2 of the Note to twelve
percent (12 Lender may choose not to exercise this option without waiving its right in
the event of any subsequent default.
(d) No Waiver. If circumstances occur that would permit Lender to require
immediate payment in full, but Lender does not require such payments, Lender does not
waive its rights with respect to subsequent events.
9. Reinstatement. Borrower has a right to be reinstated if Lender has required
immediate payment in full because of Borrower's failure to pay an amount due under the Note or
this Security Instrument. This right applies even after foreclosure proceedings are instituted. To
reinstate the Security Instrument, Borrower shall tender in a lump sum all amounts required to
bring Borrower's account current including, to the extent they are obligations of Borrower under
this Security Instrument, foreclosure costs and reasonable and customary attorneys' fees and
expenses properly associated with the foreclosure proceeding. Upon reinstatement by Borrower,
this Security Instrument and the obligations that it secures shall remain in effect as if Lender had
not required immediate payment in full. However, Lender is not required to permit reinstatement
if: (i) Lender has accepted reinstatement after the commencement of foreclosure proceedings
within two years proceeding, (ii) reinstatement will preclude foreclosure on different grounds in
the future, or (iii) reinstatement will adversely affect the priority of the lien created by this
Security Instrument.
10. Borrower not Released; Forbearance by Lender Not a Waiver. Extension of
the time of payment or modification of amortization of the sums secured by this Security
Instrument granted by Lender to any successor in interest of Borrower shall not operate to release
the liability of the original Borrower or Borrower's successor in interest. 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.
11. Successors and Assigns Bound; Joint and Several Liability; Co Signers. The
covenants and agreements of this Security Instrument shall bind and benefit the successors and
assigns of Lender and Borrower, subject to the provisions of Paragraph 8.b. Borrower's
covenants and agreements shall be joint and several. Any Borrower who co -signs this Security
Instrument but does not execute the Note: (a) is co- signing this Security Instrument only to
mortgage, grant and convey that Borrower's interest in the Property under the terms of this
Security Instrument; (b) is not personally obligated to pay the sums secured by this Security
Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify,
forbear or make any accommodations with regard to the terms of this Security Instrument or the
note without that Borrower's consent.
12. Notices. Any notice to Borrower provided for in this Security Instrument shall be
given by delivering it or by mailing it by first class mail unless applicable law requires use of
another method. The notice shall be directed to the property Address or any other address
Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail
to Lender's address stated herein or any address Lender designates by notice to Borrower. Any
notice provided for in this Security Instrument shall be deemed to have been given to Borrower
or Lender when given as provided in this paragraph.
•SjSOO uourpzooaz
Xug /Cud Timis zamouog •zamozzog of amp jnotjjtnn juauznzjsuj 4unoas sup asgajaz jj2tjs
zapuaj `juatunzjsuj unoos snjj Sq pamoas sums jjg jo juaua2d uodn •astaiag •L j
1! oa. paijtjua Xjjaai suoszad JO uoszad atjj of ssaoxa Xu2 (o) pug `juaumzjsuj
Xjtmoas sitij Xq pampas sums jjg oa. (q) `saaj ,sAauzojj2 ajg2uoseaz of pa4uzij jou jnq `5utpnjoui
'airs amp sasuadxa jjn of (b) :zapzo Sutnnojjoj aqj m paijdd2 aq jjggs ajps amp spaaoozd
au °airs Xug j2 Xjzadozd am asggoznd Arm aau2tsap sji zo zapuaj •m2! ajgtotjddg Xq paqu3sazd
zauutut am ui pjos aq !Tugs Xpadozd atjj put 'airs Jo aotjou gsijgnd jj2tis zapuai •zi tid2zff2z2d
ut papinozd zauutuz atjj ut zannozzog of airs atjj JO aotjou anti jjgtjs zapuaj •nn2j ajggotid&
tijinn aouupz000g ui `juazajj'pjt `Iivadozd amp uotssassod ut uoszad am of pug zannouog
01 asoioazoj of luajui Jo aotjou At jjggjs zapuo `airs Jo zaMod atjj sa)jonui zapuaj Jj
•aouaptna app JO
sjsoo pug saaJ ,sXauzojj2 ajgguostaz `oj pajturtj lot! jnq `Butpnjou! `91 tjdgiBgznd sup ut papTnozd
satpautaz am Outnsmd ut pazznout sasuadxa jig joajjoo of pajjijua aq jjgcjs zapuaj •nnti ajgtogdd2
Xq pajjtuuad satpautaz .xoq o Xu2 pug airs Jo zaMod alp aajonut kern zapuaj `g 4dIzg2z2d
zapun jjnj ui ivauuuigd ajgipauturt sazmbaz zapuaj Jj •aanpaaoad aansojaaaog '91
:smojjoj sg aaza2 pug jutuanoO zatjjznu zapuaj pug JO/4/10110H 'SINVNTAOJ 1AI11O3INf1
•Apadozd atjj ut2jutgut JO 3o jo4uo0 aajpj `uodn zajua of
Xjtznoas zatjjo JO puoq Xu2 lsod 01 pazmbaz aq jou jj2tjs zant000z pajuiodd2 Xjjrtotpnf 2 zo zapuaj
atu, 'jinj ut mud st juaumzjsuj iijtmoas am Xq pamoas jgap atjj uatjnn ajtutuuaj Hugs Xjzadozd
am Jo sum! Jo juautaissu sttj,j, •zapuai Jo Xpautaz JO 14 !1 zatjjo Xug alupti2nut zo jjn2Pap
Xu2 aA!2M JO azno jou Hugs Rua! Jo uougotjddt Xuy •tjotazq 2 st azatjj autij /Cut jg os op Sgut
zantaoaz pajutoddg Xjjgiotpnf g JO zapuaq `zanaMoH •zamozzog of go2azq Jo aotjou 2uint2 zau2 JO
azojaq Xjzadozd am un uu ut JO Jo 1011.u00 071 `uodn zajua of paztnbaz aq jou Hugs zapuaj
S i gd2iOrnd sup zapun sjtpu 53121.1tstoz0xa tuozu zapuaj juanazd mom rem jot Jiue tuzojzad
jou jjtm pug jou S24 pug sum.' amp juauJUSissg zoud Xug pajnoaxa jou SUIT zaMozzog
1u2u31 am o} puguzap ua131ZM s,zapua -j uo luau s,zapua-j
JO zapuaj of ptgdun pug anp sum! Hu /fed Hugs Xjzadozd atjmJo ju2uaj toga (0) pug `.iijzadozd
am Jo sum! am Jo jjg ania00z pug joajjo° of pajjijua aq jjgtjs zapuaj (q) `juatunzjsuj Jijunoas
Xq pamoas sums am of patjddg aq of zapua'J Jo jgauaq zoj aajsnzj sr zannozzog iiq Nag
aq !Tugs IOMOZZOg pantaoaz sum' jjg (2) :zaMozzog of gOtazq Jo a0tjou sant2 zapuaj Jj
•Jijuo Xjizn0as
i2uoijtppe zoJ juauzu2tsst 112 loll pug juatuu2tsst ajniosgt tz2 sajnjtjsuoo Rua' Jo juautatssg
sp.!' •zan10110g pug zapua' Jo jtdauaq am zoj aajsnzj s2 ii).tadozd amp sanuanaz pug sum!
II2 OA!000z pug 1001100 ji24S zamozzog `juautnajsuj iijtmoas am ut juauzaaz t JO ju2uan00 /iut Jo
402azq S,zannozzog JO JO/1'10110H of 0090u s,zapuaJ of zoud `JO /Onnojj s,zapuaj JO zapua'j
of sjuaz am /i2d of Xjzadozd am Jo 3UUuaj gora sj0aztp Aigazmj pug sanuanaz pug sjuaz am joajio°
of guar s,zapuaj JO zapua7 pazizotijn2 zamozzog •iijzadozd amp sanuanaz pug sjuaz alp jig
zapuaj of szaJsutzj pug saiss2 Iijj2uoijipuo3un aamozzog .s wag Jo ;uauiu2!ssy S I
Xjiznoas sup Jo 1idoo patuzojuo0 auo uanIS aq imp zamouog •,idoD s,aantoaaog
•juaumzjsuj
•ajggzanas aq of paz2ioap 012 010N atjj pug juatunzjsuj
1ijun0as sujj Jo uotstnozd am pm sup oZ •uotsinozd 2utjoi1Juo3 041 jnotjjtm lOajja =AO
aq 1120 40!4M ajoN atjj zo juaumzjsuj Ifjiznoas sup Jo suotstnozd zatijo joajjg jou jj2tjs jotjjuo0
tj0ns `nn2j ajg20ijdd2 tjj1M sjotijuoo ajoN atjj JO juatunzjsuj RjtznOas sup Jo asn2j0 JO uoistno.td
Xut rip Juana 0113 uj •paj2ooj st Xjzadozd am 40t4nn ui uotlOipsiznf alp JO AVM atjj put M2j j2z0pOd
Xq pauzana aq Hugs 3uatunz2suj *moos s!qI •Ajgiguaanas 2uivaano9 i
F3
18. Waivers. Borrower waives all rights of homestead exemption in the Property and
relinquishes all rights of curtesy and dower in the Property.
Riders to this Security Instrument. If one or more riders are executed by Borrower and
recorded together with this Security Instrument, the covenants 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 in a part of this Security Instrument. [Check applicable
space(s)].
Condominium Rider Graduated Payment Rider
Growing Equity Rider Planned Unit Development Rider
Other [Specify] Other [Specify]
BY SIGNING BELOW, Borrower accepts and agrees to the terms contained in pages 1
through 6 of this Security Instrument and in any rider(s) executed by Borrower and recorded with
it.
Witnesses:
My Commission Expires: Q ra'05
Borrower:
Borrower: 11 A
Stacey C. :eck
Borrower:
Borrower:
STATE OF WYOMING, 're-ten County ss:
The foregoing instrument was acknowledged before, me thisY day of alcu
0 b R. Lt,S le.c�l. 5 6c..clG C (c U0
6
Notary Public
ell S. Bec
2