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Home My WebLink About865643WHEN RECORDED MAIL First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007687668 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated April 28, 2000 together with all Riders to this document. (B) "Borrower" is BARRY K KENDALL and COY ANN KENDALL, husband and wife Borrower is the mortgagor under this Security Instrument. (C) "Lender" is First Security Bank, N.A. Lender is a Corporation organized and existing under the laws of The United States of America. Lender's address is 485 Washington Afton, WY 83110 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated A p r i l 28, 2000 The Note states that Borrower owes Lender One Hundred Thirty -Five Thousand and No /100 Dollars (U.S. 135,000.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than May 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. D 8 i 11 i D i Space Above This Line For Recording Data D TO: 865643 MORTGAGE WYOMING Single Family- -Fannis Mae/Freddie Mac UNIFORM INSTRUMENT LT. 3/00 BOOICALIPR PAO8.6. RECEIVED uu#SAY f A 10: x' JEANN I(EMMERER, WYOMING 2 (Initials) Initals) Form 3051 3/33 (page 1 of 15 pages) MWY01 CV (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Condominium Rider Planned Unit Development Rider Biweekly Payment Rider 0 Balloon Rider 0 1 -4 Family Rider (H) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (K) "Escrow Items" mean those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. 2601et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does Loan Number: 0007687668 W TONING-Single Family- Fannie Mee/FnWdls Mac UNIFORM INSTRUMENT I.T. 3/00 Second Home Rider Other(s) [specify] Fonn ao81 3/99 (page 2 of 15 pages) MWYO2CV 063 V90 AOCOAMIIY (se8ed 91 JO 6 abed) ee/e 19OC W,od •Ja;sutuL spund ouroJloala (p) Jo Atpua Jo `Alileluaturulsui `Aouage pupa; t Xq pamsai air sgsodap asogm uopnlpsai ue uodn Timm) sr Jloago lions Cur papinozd 'Ingo s,iaigseo Jo patio s,Jaznsr0.0 `3I3010 3Iueq `joago panpiao (o) 'Japzo Sauouw (q) `gseo (e) Japan Aq paloalas se `suuo3 Suimollo3 alit jo azour zo auo ui sprat aq manurial' Airmoas sup pas aloes alit Japan anp spuamArd Iuanbasgns pr Jo iCur trip 2ztnba1 Amu Japuai `pirdun JapurZ op pauznlaz si ;uaumpsul iClunoas snip Jo atom ail Japan IuatuiCrd se Japan iiq paniaoaJ mammal! zagmo Jo Jloago ICut 31 4 10n0MOH •Aouaiino •S•n ur sprat aq nrgs Iuaunutsul AtunoaS sup pue atom agt Japan arm mortar,' uopoaS of Iuensmd small mimosa Jo; spunj Ard oslr Ilrgs JaMOIJOg •atom alp Japan anp sagirgo atel par saSirgo tuaur,irdaid dur par slim am ifq paouapina map an 'uo Isamu! par ;o Irdiouud anp uagm 1(rd llrgs JaMOJJOH •sa8ang0 a ;ew pug `sa8asg0 ;uaw,fedaad 'swan moaosa ;saaa;ul 'Irdlaulad JO ;uaut,fed •I :smollo; se aaJBe pur aueuanoo Japan put JO/1.10110g •S,LNVNIaA00 IATITOdINfl (iiadozd Ira/ 8uuanoo tuatatutsui A;unoas uuoJian a atnppsuoo of uoitoipsunf Aq suopeuen pap!! grim Sluruanoo iuJO ;um -uou pue asn Iraopra Jo; siuraanoo ttuo ;urn sauigaroo A LRIIIOHS SITU •piooai jo saouriqumoua Car of ioafgns 'spurtttap pun suuieio !Tr lsuFOr Anadozd ail oI spit ail JIl pua;ap Ilan par spueurM zaMo1JOg •piooai jo saoaezqu noua wit tdaoxa `pazagtunouaun si AlJado1d alit trip pue Al1adoid am AOMJ03 pue Iuria `aar2nout op man am seg pue paXanuoo ,Cgaiaq atetsa slip ;o pasias XIIn3MeI st Jamoz1og peat SJNVANNA00 IIaMoa IOH „•Aliado1d„ aq3 sr taatanitsal ,(tunas sign ui o; pals ;111 si SaioSazo; alit ;o ITV •IuaumJpsal Ain sup ,Cq pazanoo aq osir netts suopippe par spaamoorldaz II' •/Cjjadoid am jo pied r Janraiaq Jo Mou saintxn put `saouruapznddr `stuatuasra nu pur `Auadoid alit uo patoaza zal;eazaq Jo MOU SlUauranozdun NI lir HIM UaH,LaDO,L "ONIWOAM 'A1NfOO N103NI1 d0 SOa0O38 1VI3IddO 3H1 NI 030110038 ONV 0311V1d SV (Vl) N331H00d 1V1d H3NV11 A311VA HV1S NI IL 1.) N331N3A3S .1.01 [uopoipspnr 8aipiooa213o swum [uoiloipsunr Suipzooag ;o ad�Cy1 N103NI1 3® AJdsIf100 am III palm! Anadoid paquosap Su!Mollo; am `airs ;o zamod mpit `sugtsse pur szossaoons s,Japua- par Japuaq o; Sanaoo put tar111 `a2E JOUr Agazaq „s saippd A nado1d Pails] [diZ1 Lugs SuiwoAM "OS 3138I3 3Of)hIIOS Z5 00/C TI 1N3WfU iSNI VWOi1Nn pew •IPP•ain"N1 MUUSi -I fuivd elau!S`INIIWOAM 899L89L000 ueoi 3NAVH1 ;o ssaippr an srq iCpuauno goigm Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any Loan Number: 0007687668 WYOMING Single Family Fannin Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials initials 065 Form 3051 3/99 (page 4 of 15 pages) MWYO4CV A3soAMW (Wed gl {o g ()Bed) ewe rsoe LIMA 990 OWE '1'1 1N]PIfltl1SNI nvomifl a'W •PP•3ntW S --kWed OIBu!9•D■IWOAM 899L99Loop uequmN ueoi `ut ua11 atp 30 ;11amaatojua isum8r spuapap Jo `Aq Ipur3 pooS 111 uali am s;saluoo (q) :luau:mar gons ffau11zo;zad si JamoUOg se BUG( os iCiuo ;nq `Japua o; aigtudaoor zauueru E a1 uaii gip Aq paznoas uopiSligo am jo ;uuaiXrd atp o; &uppm u1 saazgr (t) :1amozzog ssaptn luaarnz ;sui Animas sup zano iCJuoud srq gotgM uaii Cur a2zegosip Apdutozd iirgs zamouog uopoas ui paPlnozd zauurm aq1 111 tuatp /Cud iirgs zamozzog `swan Mo1OSa OJe suzall asagl mtp mama am os •Atre 3t `s ;uauissassy pue `saga `sane uopetoossy i ;iunura o3 pule Cur 31 uadoJd atp uo slum punoi2 JO sluatuArd piogastal `luatun-nsai iilunoas sup MO Muoud unrni uro gougi Auado1d atp o; aigvinqu ;e suoptsodtut pue `sauna `sa8zego `sl11aurssassr `Saxri iir gird pegs zamozzog sun :s32ae113 •b •Japaa-i ,Cq piaq spuna /Cur zamonog o; punpaz ,Cpdtuozd plugs zapua ;uatunz;sai Aunoas sup paznoas sums pr jo iin3 u1 ;uauded uodn sluatuiCed Appuom aniaM; urtp azour ou ut ;nq `VdSag tinm aouep1oaoe at ICOUaiogap atp do 031ru1 o; £i ssaoau ;enure atp Japua- o; Ad pegs Jamonog par `ydsa>l �Cq pazlnbaz se zam01J0g Ajpou iiegs Japaa-i `ydSaJ zapun paugap se `M01350 111 piati spend ;o AouaioiJap a s1 a1atp 3i •s;uatuird Aitpuour aniaM; urtp 010111 011 in 1nq `ydSa 1 q ;IM aOUrp1000t uI affruogs atp do oval o; £I SSaoau lunoure alp Japuar o; d pegs 10M0110g par `ydSa2l £q pazmbaz sr zamofOg Ajnoa iittis Japual `ydSaN lapun paugap se 'Mm" It PIN spund 3o aRruogs a sI map 3I •ydSa2I tpIM 0011e111000E 111 spun3 ssaOxa aqi J0j lOMOliOg o1 ;att000r HET JOPIIO'I `ydsn zapun paugap se `Mozosg 111 matt spend 3o snidzns a s1 a1atp 3I ydSa2I Cq pazmbaz se spund am jo &upuno0Or irntmr TIE `agzego ;nog ;iM `10MOIJOg 01 OAP pegs zapual spund atp uo pied aq putts Isamu! lttp `JanamOg TapuM 111 00J2t ueo zapual pue laming .spend atp uo sguuuea zo 3Sazalur Cu e z0mo1z0g pazmbaz aq 2011 iiegs Japan `spend aq1 110 gird aq o; mama! saunbaz Me-1 ajgeoriddy Jo BupuM 111 opera sr laauraaar ue Ssaiun 0 1111 t gons a3irm o; Japua-i s;uuuad mri aigrogddy par spend am 110 1saza111! JOMOJJOg spied Japuri ssaian 'small mimosa am ffuiJuan JO `;un000e MoIOSa am $u1ZIfitue R1rnuue spund am &utiiidde pue 8u.1P1og z0j JOMOJ10g agztgo 3011 iirgs zapun •ydsaI Japan pagloads arul; am item Ja;ri ou slaa;i Mozosg am /Cud o; spend am iiiddr pegs zapua-i •)Tars urn aULOH 111apaa Car 111 Jo (paznsut os aze sllsodap asogM uopn;psal 1111 si zapua -i j `Japua-i 2u1Pniour) S1r;ua Jo `Apentatun1 ;su! `Aouaffe irzapaj t Aq paznsuc 0111 sllsodap asogM 110pn3ps11 ur 1111 piaq aq pegs spend aqu •Mr'i aigeoiidd d q ;1M aourpz000r u! as3MZatpo JO sara n Mozosg mug jo sazn;ipuadxa jo salralpsa aigruosraJ par tarp mum jo slsrq olp uo anp spuna ;0 loners atp a;1Wt ;sa Evils Japaa-i •ydSa21 Japan azmbaz ueo Japaai r molar urnurpertu atp paaoxa o; 1011 (Z) PIre VdSa 1 Japan pagloads atop 0111 ;r spund am iJddt o; zapua-I ;Fund o; luatoIJns (i) lunotur ur at spend Nog per loa1oo `atop /Cur it `hat Japua-i aopoas sup Japan pazmbaz uagl aze lrlp `s;unotue gans a1 pur `spend !Iv Japaa°i o1 �Ced pegs Jamozz0g `11opro0naz gons uodn `put Si aopoas g11M aoutpz000r a1 uanl$ a0p011 t i(q amp Cue lr stua;i Mozosg pr J0 Cut 01 se zanteM atp a)iona1 JCtar zapua' •lunotur gons ,Car Japua-i o; Ada/ o; 6 11opoas Japan pa;t2iigo aq 11agl pegs zamozz0g par 111notue gons Iced par 6 11opoas Japan SW31 slt aSIOZaxa Aum Japua'•i 'man mama UV 10J anp mom atp 1Ctd o1 siie3 laMOJJOg par `zanteM t o; luensznd `,Cpoazlp small Mozosg pied 0; pa11Wtigo Si JOM01JO11 3I •6 11o1Oas 111 pasn si „111aaraa1Sr per lureanO% asrzgd am sr `111aarnz ;sal Animas sup 111 paule ;uo3 111aamaaz5ie put 111raanoo r aq o; pataaap aq sasodmd iir zo3 putts sldtaoaz apinozd o; par sluaur,Crd gons alum o; 11ope81igo s,zamozzog •azmbaz Arum Jap11a1 se pouad amp gons 11up1M 111aul,Crd gons 8111ouaptna s;dtaoa1 Japaa7 01 aspens pulls `sannbai zapua -I 3I `par zapuai Aq pani1M uaaq seq SpUna 3o ;11auri 11d 1OuIM Jo; small Mozosg Asir 10j anp s3unourt atp `aigeiCtd azagM p11t ua1M `Apoai1P itrd !Imp JOM01z0g `Jan31M lions 3o Juana am ui •gapUM 11! aq Biao Aar zanl1M gons proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone determination, certification and tracking services or (2) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if Loan Number: 0007687668 WYOMING-Single Family- -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initial OM 3051 3/99 (page 6 of 15 pages) MWYOSCV 067 AOLOAMW (se5ed 9L p L abed) 66/C ins uuo 890 slBlll�l $Ie1Hul 00/e '1'1 1I13MInILLSNI V1110AINII 3 '11 •PPN &*W quusd elaH3flNIWOAM 899L89L000:aequmN ueo1 •asneo ajgraoseai ions Sul /pads uoj3oadsuj zoua3111 ur lions o3 ioud 10 Jo 011113 0113 3E aopou zaMOZZOg ants jir is iapua-j •A3zadozd a1j3 uo s3uatuanoidtul 0113 jo zoua3ui ag3 3oadsui Arm zapaa-j 'asneo ajggaosiaz srq T1 31 •iCUadozd atp jo suopoadsut par uodn sau3ua ajgraoseaz virtu Arta Taa3r sat JO zapaa-j •110pEZ03sai 10 zlEdaz ions jo uopajdutoo atp ioj uoprRljgo s,iamouog jo panapai Sou s1 zamouog 'A3iadozd atp aioisai so zledai o3 3uappjns 1011 azE spaaoozd 11oprutuapaoo JO aoununsu1 0113 31 •pa3ajdtuoo si ;pont a113 sr s3uamArd ssadozd jo sus r Ut zo 3uamArd aj8uts r at uotiezo3saz par sir daz 0133 ioj spaaoozd aszngsip Arm iapuaq •sasodind lions zoj spaaoozd pasrajaz sr11 iapu 31 Ajuo Auadozd atp 8uuo3sai zo 8uuirdaz ioj ajgtsuodsai aq jjrtjs iamouog 'ATzadozd alp ;o SupjE3 am zo `03 a8etarp mph uopoauuoo ar pled air spaaoozd uopraarapuoo zo aoueinsal jj •agratrp 10 uoprioua3ap zatj3zn3 ptonr o3 paartarp 31 iC3iadoid 0113 ilydaz ,Cj3dtaozd jjggs zamozzog 'ajgisraj Ajjroatrouooa Sou Si uor3EZO3Saz 10 itrdaz 3Etj3 S uor3oas o3 3urnsmd pauruualap st 31 ssajun •uoplpuoo S3! 03 anp awn ut 2alsta1Oap 10 lupezoua3ap IUOZ3 Auadoid am 3uanazd o3 iapio uI A3iadozd am mem= jjrgs zamozzog ',i3zadozd 0133 u1 SamTsai 81 zamozi0g Sou JO zatj3atjM •A3zadozd a113 110 03srM ;Taman 10 03rioua3ap o3 Amadozd 0113 mom 'A3iadozd am ztrdWI zo agrturp 'Aoz3sap Sou pegs Jamoiz0g •SUOj ;oadsUI fAvado.t aq; 3o uopaa ;o.rd pun aoueua;u 3)j J 'uo pen rasaad •L joz3uoo S,zamoziog puoAaq air tpitjm ;slim saour3samomo Ruprnua3xo ssajun 10 'platjq pit Ajgeaoseaiun aq 3ou Hugs 3uasUOO warm lui3UM ut saaaE aspiva1p0 zapua7 ssajan 'Aoaedn00o ;o amp 0113 za3 ;r .reap( auo 3sraj 3r zoj aouaptsaz jrdiouud s,zamozzog SE iC3z0dozd ate Adn000 o3 an11p1100 Timis pur luaumz3saj ,C3un0as 51113 jo uot3noaxa atp zagr sXrp A3x1s 1111131m aoUapIsaz jedpuud s,zamozzog sr fi3zadoid am asn pur '11stjge3sa 'Adn000 pegs lOMOZZOg •(auedno30 •9 •anp uatp 1011 s0 za113a1M `3uatunzlsaj d3unoas spp io a30N 0113 zaptm pIrdun s1Uf011rr /Cud o3 10 ICTzadozd aq3 azo3saz zo itrdai o3 zagma spaaoozd aourmsat am asn ,Cain iapua-j •A3zadoid atp 3o agrzanoo am 03 algro11ddr air s21j U tjons se mom! 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Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (1) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (2) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (3) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and /or repairing the Property. Lender's actions can include, but are not limited to, (1) paying any sums secured by a lien which has priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. 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Am iam0110g /CRd 01 paimbai aq Jou Hugs iapun `spaaooid snoauella0stini 'tons uo pied aq of Isamu! saimbai Mr-1 alggotlddy 10 Sut3uM ut apeat st 1uamaa1Se ug ssalun °paaaldmoo st 3110M am se swanked ed ssaiSoid ;o sauas a ut so nuautasingstp ajSuts a ut uotleioasai pus sltedai air i0; Aed Arm iapuaq iCpduzoid uo pn.Iapun aq hags uopoadsut ions lair paranoid `uopo8;sp8s s oa paialdmoo wag sag 31ioM am ammo oa r(niadoid lions Jmadsut 0a (Jutnuoddo ue pall set iapan !pun spaaooid snoauellaostJA lions plot 0J itiRp am anetl hags iapua'I `pouad u0pg10JsaI pug itedai 'tons SutinQ •pauassal 1ou st AJunoas s,iapaa-I rue algtseai Afeotatouooa st itedai JO uopeioasai ate it `Ifniadoid ate jo itedai 10 uop8101sa1 0l patldde aq netts spaaooid snoaueilaosty4I tons `paS8tuep st Aalado1d air 3I •ianuar! 01 pled aq I1811s rue 0J pauStsse Agaia't ale spaaooid snoaaella0sm Ily •ainita;ao3 :spaaaoad snoaue11aasyk 3o JuamuStssy •II •0101 an ut paranoid 0181 am J8 Isamu! pied of uope$tigo seiamoiiog s1 OI uopoas- sun ut SutglON •Me°i algeoalddy Aq paimbai st uotn8attuimm !pun JO uop8ataual dons io; Stripanoid iapan pare iaAO1i0g uaaMJaq lualua01 8 uaaauM J(u8 train aouep10008 111 spun aoaemsal ag1S1J0JA 10; luatuaitnbai manual an !putt 'wins= not ai4epun;ai -uou a aptnoid on 10 'mama ut aoaeinsul aS8S1iop utelut8a1 01 paimbai sutntmaid 011 Aed IIe1Is iamoiiog `aouemsal a5ESl1Oy\j 10; stun an plemol sluatu,Ced pa38UStsap Alan8redas a318a1 0J paitnbai sem iaMO.uog pub ueo-i air Sut}18az jo uoptpuoo a s8 aoue.msul ag8Suoy%I paimbai Japan ;I •aou8msal a2B2110;n1 10; samituaid air p18MOJ swam/Cud paaeu!tsap Aia3818das sal1nba1 iapuo pub 'part sT `aJgeltene samooaq uie$e iapio'i Aq paIoalas iamsat 118 Aq paranoid (saimbai iapual Jett pouad an IN pas mow an ITT) aSe1anoo aouelnsal aS8Snlow it swam/Cud anlasal ssol aitnbai ia&uol 011 tram iapuo' 071 for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property Loan Number: 0007687668 WYOMINO-SIngIe Family—Fannie Maa/Froddla Mac UNIFORM INSTRUMENT I.T. 3/00 Initial Initial orm 3051 3/99 (page 10 of 15 pages) MWY1OCV AO I. (se bed gi /o 11 o5ed) ee/e isoc two F, I 0 fe1Nu1 SI fllu 00/£ '1'I JN3WnaLsN1 WHOdINn NuU 4 wed e1 899L89L000 ueo1 •tuauu a set dtunoas sip jo pee atom alp jo /(doo auo uama aq !iris zamonog •Rdop s,.cato uog •Lt •uopoe /Cur mist of uoprdligo /fur tnoapiM uopaospp aos sant4 11 Aeau 11 prom tut (E) pare 'BMA rain par !mid tut apnpup par watt !!gals zeinSuis tut up spzoM (z) `zapuaS aulupaaaj alp jo spzoM Jo sprom Jan= Sutpuodsaiioo apniout pas ueaua !iris JapuaS aaiinoszaa tut jo spzoM (i) :teatunpsui /!tunas sop up pasn sy •uotsinozd 4upopljuoo tap tnoipiM toa3ja uan1S aq urO gown atom art zo tuaumJtsui /(tunas snit jo suopstnozd Jauto 1Oa3jr iou Hugs topipuoo lions `mlJ ageopddy pppm stotuuoo atom tut zo mamma! Animas slit ;o asnsp Jo uotstnozd /Car trap tarot alit ui •touziuoo /Cq tuaauaa1Su utters uoppgpgozd r sr pannsuoo aq iou !!liar aouaias apps tnq luaus aq 312nu 1! 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Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by federal law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (i) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (ii) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (iii) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA Loan Number: 0007687668 WYOMING-Single Family- -Fannie Mae/Fraddle Mae UNIFORM INSTRUMENT I.T. 3/00 Initials Inftials orm 3051 3/99 (page 12 of 15 pages) MWY12CV AOCIAMYI (se6ed gt /0 EL °Bed) ee/e 690E two PING 00/£ •1•I 1N3WnlUSNI WtlOAINf O WP M/ o •uued- -A,WRJ eIB4S WWOAM 899L89L000 ueori dnMEajD ieivaaruo1TAug UE zoj zapua"j uo uoprgrjgo Aug airazo HET uTazaij gunpoM •Mr'i jrauaTUUOZinug Tiais aouepzoaor ui suopoe Ieipauiaz £zessaoau jje air) Apduiozd Hulls zamozzog `Azrssaoau st Aazadozd an 211110033E aoueisgns snopzezeH Cue jo uopEipauraz zaipo z0 jEAOUIaz /CUE MITI `/CUEd ajEnud AtIE z0 `iCfUOiiine ,Czofejngaz IO jefuaaluzanog tour pagpou si 10 `SUZEaj zamozzog 3I °Afzadozd aif 3o amen alp S100JJE JCias1anpe gpigen aoueasgns snopzez1H a jo aseapz JO asn `aouasazd aip Aq pasneo uoiaipuoo Cue (E) pur `aoueasgns snopzezRH Niue jo aseajaz jo arazip JO asEaiaz `agzegosip upiraj `guijiids Cue `oa papa!' aou anq guipnjoui `uopipuoj jeivauiuozinug Niue (z) `apajmou4 purr srq zamozzog 1jOigM 3o Ieauauluozinug zo aourisgns snopzezeH Cue pur Auadozd aTp &ITnionui hued alEnud JO AouagE kzoaEjngaz JO irivaaauanog ,Cur Aq uopoE zaipo JO IinsMEj `pueauap `artep IOITE2psanut AUE (I) 3o aopou ua11uM zapua an!! Apdmozd ijETis zamozzog •(saonpozd zaumsaoo ui saourasgns snopzrzrq `oi paiiuiij iou anq gU!pnjou!) Aazadozd aTji 3o aouruaiutea' of pur sasn iepuapisaz irauou oa afrudozddr aq of paziugooaz Aiirzauag an inn saourisgns snopnnz1H 3o Sappurnb Emus jo Aazadozd an uo ageiois z0 `asn `aaaasazd aqi of Aidde Jou Hulls saouaauas oma guipaoazd aqj •,CUadozd alp jo anirn aqa ma33E Aias1anpr fegi uopipuoo E saran `aaueisgns snopzrzrH r 3o asraiaz JO `asn `aouasazd aip of anp `tioitjM (E) JO uoiaipuo3 jefuaTUUO1TAUa Ue SaleaIO IIOTijM (Z) `Mr IEIua=IUOZinug Rur JO uopRjorn ui si irgi (I) Aazadozd alit gupoa33r guigf,Cue `op Oa asia auoICur Mojir zou `op mu Iris zamozzog •Afzadozd an ui JO uo `saouefsgns snopzezeH ifur asraiaz 01 =ramp zo `saourfsgnn snopzezrH Cur 3o asrajaz JO `agezoas `jesodsip `asn `aouasazd alp iiiuzad JO asnro aou jj ijs zaMO1JOg dnuraij jrivauTUOZinug uE zaggui asiMZaijao z0 `01 aanquiuoa `asnWO uEO ir1ji uoiupuoo MEOW „UOpTpUO3 jeluaT1m01 nug„ UE (f) pur ME-i jBivaiuuozinug UT paugap SE `u0113E Trnouraz JO `uoppE IE'pauiaz `uopor asuodsaz Cur sapnpui „dnurajj jrivauuiozinug„ :uopoafozd Irfuauiaozlnua zo Aims Viral" of aria' imp paieoo' s! Auadozd 0111 azaILM uopoipsunf aqf 3O &Mei pur &Mej 'viva steam „MWZ 1EfuaUIU011nug„ (Z) `sJEuaieul anpOr0Iprz pur `ap,CTjapirnlzo3 JO soasagsr 2timrauoa siruairai `sluan jos ajpejon `sapioigzaij pur sapiopsad oixoa `sionpozd uniaiozfad oix01 10 ajgEaiarri; zaiifo `auasozal `auijoseg :saouEfsgns guimojjo3 a'p pur jefuauiuozpnug SO1SEM zo `sfuEfnjjod `saourisgns snopzeze'q 10 OTxof se paugap saoueisgns aso'p aze „saaurasgns snop1ezeH„ (I) :jz uopoas siiii ui pasn sv •saaurisgns snopauzrg •iz 'OZ uopoas snit 3O suoisrnozd uopor anpaazz0o a3ir1 of Afiunuoddo pur aopou an ifJsprs of paaraap aq hells gI uopaas of aurnsznd zaMOZZOg of uanig UOI1MOj0OOE JO 2OI0U aTii pur ZZ uopaas of fuensznd zamozzog Oa =AIR azno of Aiiunazoddo pur uopezapooe jo aopou aijy Ildrzgrzed snp jo sasodznd zo3 ajgeuosraz aq of pauiaap aq jjtH pouad aiup Jr* 'um; aq uro uopor uppao azopaq asdrja asnul iipiliM pouad aurp a saprnozd Mel ajgeoijddy 3i •uonoe anpoazzoo ply) of aopou 'ions 3O gu'nig a1ji zai ;E pouad aigeuosraz a ofaza'j Afaed zallpO an papzo33r pur iprazq pagaIIE ions 3 (Sj uopoas 3 sfuauia g baz atjf iifrt aourijduioo ui uanig aopou 'ions Tpim) Aizrd zaiifo alp pagpou sETI zapual zo zamozzog icons !pun `fuauznzfsai Aiunoas sitji `3O uosraz ,Cq panto Ainp iCue JO 40 uoTSrnozd Aug paliorazq sEij Afzed zaipo aTjf iegf sagaJr 3E'I1 zo auaam Isai Afunoas sign OI aurnsznd suopoe sA.Ed zaipo a p wag sasur arlp (ssrp r jo Japan a iii zo iurgpg jrnpin!pui ur zaipia se) uopor jeiaipnf Niue of paatof aq zo 'up! `aauauauoa Aum zapua-j JOU zaMO.uog Ja'jiia s' •zasrtioind aaoN alp ,(q papinozd asTMZatpo ssajun zasegoznd afobj alp A pauznssr fou On pur (s)zaoinzas ueo-i zossaoons r of pazzaJsurzi aq zo zaoin1as urO1 alp tpTM ulturaz flint zamozzog of suoifrgiigo guioinzas arm aBr2uoul aqi `a1ON alp 3o zasrijoznd alp uegl zagfo zaoinzas uro-i r Aq paoinzas si carol alp za3JeazaTf pur pjos Si afoN a'P 3i luiainzas 3o zaJsur.p 3o aopou a TIM uopoauuoo cat sa Inbaz 075 NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. Loan Number: 0007687668 WYOMING-Single Famiy —FannI. Ma./Fraddia Mac UNIFORM INSTRUMENT 1.T. 3/00 orm 3081 3/99 (page 14 of 15 pages) MWYI /CV A09IAMW (se6ed gl Jo gl e6ed) eets ►9oe w,o :lv 811tpsal a11R tivoN 'ewes l pelnoexe AN OL of pe6peIMOU)oe App own 'luewnJlsui mope eql to (s)aeu6is eta ew eaoleq peJeedde Alleuosied (7Q(' •a•y 9/.0 9 [luowBpoiMOU V Jo; auf sItll smog weds] oae 1 nownuLSNI WtIOd1Nfl *ow SIPPu&I ""W Mwlu-IIl A eIB 899L89L000 :JegwnN Ue01 sandxa uotsstututoo AIN 11VON3M N A03 PUB 11VON3)I )I A88V9 Aep e43 u0 N103NI1 3O AINI11O3 :ss OAIINioAM 30 alv.Ls 11VON3N N}7 A03 i 4,4. 0N3)I 88 8 It ttltM papzooaz pue zaMO1JOg palnoaxa (s)zapu ,Cuz ut pue luaumzlsui'Cltmaas sari ut pauteauoo slul'tlanoo pue suual alp of mite pue sldaooe zamozzog `MO'I3g ONINIDIS AEI 8uttuoECM 3o sMe] uopdutaxa pealsatuoq aul ;o anlztn pue zapun sip iie SOATRM pug saseaiaz zamozzog •saaAreM •'z Loan Number: 0 0 076 8 76 68 ADJUSTABLE RATE RIDER (5 Year Treasury Index Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 28th day of Apr i 1 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower to secure Borrower's Adjustable Rate Note (the "Note to First Security Bank. N.A. (the "Lender of the same date and covering the property described in the Security Instrument and located at: 52 SOLITUDE CIRCLE SO.. THAYNE. WY 83127 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND '111E MONTHLY PAYMENT. THE NOTE LIMITS 1HE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 7.6250%. The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of May, 2005 and on that day every 60th month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of 5 years, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index." Initials Initial 077 MULTISTATE ADJUSTABLE RATE RIDER 5 YEAR ARM Single Family Fannie Mae/Freddle Mac Uniform Instrument Form 3131 3/99 I.T. 2/00 Page 1 of 3 RMS5YR1 2/O ZWASSWd to a eBed 002 '11 66/C ICI .0 auewnJleu1 woo ;dun aQyy eippaureeyy equusj /IiweJ e16uiS WIiV liV3A s !Bold 31vu 318V.snrav 31VisinnW 899L89L000 uagwnN win st zamozzog ui ;saza ;ut ietoiauaq a pun uoszad inznaeu a ;ou st zamozzog ji zo) pazzajsueza JO pios si AUadozd atp ui Isaza ;ui Cu e JO Auadozd atp jo and iiun 'o Iin 3I •zasngoind n oa an!) azn;n; a ;e /ammo*" Aq app Jo zajsunza alp si gotgm Jo maul ag; `nuatuaa1Se mama JO n3e41100 sales nuatuUeasut `poop zo3 noeznuoo 'pap zo3 puoq n ut pa.UNSTIez; s;saza;ui ieioi,Iauaq asotp `o; nap!! aou inq `&i pniout `,CUadozd atp ut nsazaaui ptoi;auaq JO Ma! 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Z (s)nu!od aSeauao'ad SglafOA 09J11 pun oMl Sutppe Aq anez Isamu! mau itu a;einoieo inm zapiog aaoN alp 'ma aRuetp goes azojag sa2u6g3 3o uo961n3163 (3) •aoiogo sign Jo aopou out anIg iiim zapiog aaoN agZ •uopeuuoJui aigezndtuoo uodn nasal si angn xapri mau a asoogo Iiinn 'aping aaoN ago `aigeiienn zaSuoi ou s! xapui a 3I £HASSWH E E egad 002 '1'I 66/E MK WJod iuown WJojlun aeiry eIPP0JA/881111 aluund eI6u!S IBV HV3A S Ham 31VH wilansnrav 31ViSIlV1W zamozz0g (Ms) z2mozz0g (MS) Jamozz0g (Ms) JaM0LI0H (Ms) •zapm aleg ajgeisnfpy sup ut paute3uoo s3ueaan00 par stuzal aril 03 =An pue s3daooe Jamming `Bc10'IIIg ONIAIOIS ICg °z0m0z10g uo puemap z0 aor3ou zatpznJ 3noglim nroturmsuj A3unoaS sup ,Cq pa,ivazad sarpautaz Ate alonui Arm Jopua-i `pouad sup jo uopezidxa alp 03 amid stuns asap Aed o3 sjte3 Jamozzog 3i •luauttulsuj Allmon suit paints stuns Er Aed 3snm zamozzog goltim uigitm Sj uopoos Ipim aouepz000e ut uani8 ST aoi3ou atp amp alp moz; s,Cep p£ uegl ssaj iou jo pouad a aptnozd Ergs 2o11ou oip °uopezajaooe jo aopou zamouog ants Ergs zapua'I 'jjnj ui 3uamaed aleipautuj aztnbaz o3 uopdo alp sastoiaxa zapu2-1 3i •8upum ut zamozzog saseajaz Japu2' ssajun luamnz3sui ii3unoaS sup pue aloN alp Japan paleMijgo oq o3 anut3too jjim Jam0110a ivamnzlsui AlunoaS sujl 111 pue mom ag1 uT apem sIuautaaz8e pue sasuuozd ag3 u dog 03 aaza :sum) atj3 saim qqo letp pue zapuaj o3 ajgeldaooe si Imp 3uamaaz8e uopdmnsse ue uSjs o3 aazaJsuez3 2tp timbal osie AIM zapua-j •uot3dumsse ueoj tip 01 3uasaoo s,zapu2-1 o3 uor3ipuoo e se aa3 ajgeuosuaz a a8zego AMU zapua-1 'me-1 ajgeotjddy Aq pa33uuzad 3ua3xa alp oy •zapuaj of ajge3daooe st 3uamnz3sui Allmon sup ui 3uamaaz8z zo lueaanoo /Cue jo tjorazq a jo ,jsu atp ;up pue uopdmnsse ueoj atp ,Cq paziedmt aq 3011 jjim IClunoas s,Japuaj Imp sauimzalap Xjgeuoseaz zapu2-1 (q) pue `.aaza;suezl agl 03 apetu ffutaq azam ueoj mau a di se aazajsuez3 papua3ui atp aleniena o3 zapua'i /Cq pazlnbai u0i3eau0jUI Japaa-j o3 pa33tutgns aq o3 sasneo zamozzog (e) :3i uopdo sup asiazaxa 1011 Ergs osje zapua-I •mej jezapa3 pa3iqujozd Si asiozaxa lions 3j zapua-I pasiozaxa aq jou Ergs uopdo snit `zanam0H •3uamnz3sai A3unoaS sup Aq paints stuns jje 3o Ijnj ut 3uamaed aleipammt azmbaz ,Cetu zapu27 `3uasuoo ua33um loud sjapu2Z 3nOtpim (pauaJsuezl z0 pjos 1, 0 11110N3)I NN A03 w 7 1 )I 8HV9 899L89L000 J°gwnN um", WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ArrN: Charlotte Neel- Reinhart THIS PLANNED UNIT DEVELOPMENT RIDER is made 28th this day of April, 2 0 0 0 ,and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument of the same date, given by the undersigned (the "Borrower to secure Borrower's Note to First Security Bank, N.A. (the "Lender of the same date and covering the Property described in the Security Instrument and located at: 52 SOLITUDE CIRCLE SO., THAYNE, WY 83127 [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in SEE ATTACHED SCHEDULE C (the Declaration The Property is a part of a planned unit development known as STAR VALLEY RANCH ASSOCIATION (the "PUD The Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the Owners Association and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's LOAN NO: 0007687668 PLANNED UNIT DEVELOPMENT RIDER i [Name of Planned Unit Development] D u i D 11 11 u MULTISTATE PUD RIDER Single Fam y -Fann a Mae/Freddle Mac UNIFORM NSTRUMENT FORM 3150 3/99 LT. 10/99 (page 1 of 3 pages) 080 Initials Initials RMS1PUD 08 Constituent Documents. The Constituent Documents" are the (i) Declaration; (ii) articles of incorporation, trust instrument or any equivalent document which creates the Owners Association; and (iii) any by -laws or other rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and against loss by fire, hazards included within the term "extended coverage," and any other hazards, including, but not limited to, earthquakes and floods, for which Lender requires insurance, then: (i) Lender waives the provision in Section 3 for the monthly payment to Lender of the yearly premium installments for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the master or blanket policy. In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public liability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 11. E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; (ii) any amendment to any provision of the Constituent Documents" if the provision is for the express benefit of Lender; (iii) termination of professional management and assumption of self management of the LOAN NO: 0007687668 MULTISTATE PUD RIDER Single Family Fannie Mae/Freddle Mac UNIFORM INSTRUMENT FORM 3150 3/99 I.T. 10/99 (page 2 of 3 pages) (initials) (Inhlals) RMS2PUD afld£SWH (seBed g jo E °Bed) 66/01 1•I 66/£ 091S WHOA IN3Wf1H1SNI WHOdINf °sW 0 IPPoJd/ 0 e11 eluted —AIIW d el and 31ViSI1V1W zaM011og (Ms) zamoJzog (iEaS) Jamolzog (iEaS) zamollog (iEaS) 11VON3N NN'I A03 t °0 »2 l 2 11VONTA N •uv9 899189L000 :ON NV01 zapRi and Sim ui pauiu)uoo suoisinozd pun stun) am o3 saadn pun s)daoon I0m0110$ `MO'IHH rONINDIS AEI lualuAnd Rupsanbaz Iamollog o) zapuo' j tuol; aopou uodn Isamu! mim `aiquAnd aq ii s pun am a)ori ate )u )uatiaszngsip jo a)np ate wog )saza)ui nag um s)unouxn amp `ivauxAnd jo stum Jamo o) aaAn zapuTI pun Jamozzog ssaiun •)uauuu)sui ,()!moos ate Aq pamaas zamozzog 3o map inuot)ippn atuooaq Hurls a tidnanzud site Japan Iapua -I iiq paszngsip s)unotuu iCuy lump And /Crux zapua- tare `anp uatim s)uatUSSOSSn pun sang arid And )ou saop zamouog 3i •sa><patuag •3 •Japan -i o) aiqu)daoouan uoi)uioossy mum() ate Aq paun un ur a2uzan00 aouuznsui k)iiigR?i oiignd ate Wuuapuaz jo )oa33a ate annq mom tioitim uopon stun (AO JO `.U0i)nIOOSSV SlaumO WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN: WANDA 52 SOLITUDE CIRCLE SO., THAYNE, WY 83127 LOAN NO: 0007687668 SECOND HOME RIDER THIS SECOND HOME RIDER is made this 28th day of Apr i t 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower," whether there are one or more persons undersigned) to secure Borrower's Note to First Security Bank, N.A. (the "Lender of the same date and covering the Property described in the Security Instrument (the "Property which is located at: [Property Address] In addition to the covenants and agreements made in this Security Instrument, Borrower and Lender further covenant and agree that Section 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's second home BY SKGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. BARRY K, COY ANNdENDALL /e-pt..e‘cci/ 083 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower MULTISTATE SECOND HOME RIDER Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FORM 3890 9/99 I.T. 10/99 (page 1 of 1 pages) RMS1SEC