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HomeMy WebLinkAbout865686This Mortgage SU 8841( ,DI IORT &AUS Phi E____. When Recorded Return To: ONCALL MORTGAGE 2200 POWELL STREET SUITE 750 EMERYVILLE, CALIFORNIA 94608 510- 595 -2000 "Borrower This Security Instrument is given to ONCALL MORTGAGE AKA CROSSLAND MORTGAGE CORP Item which has the address of Wyoming 83110 WYOMING Single Family- FNMA /FHLMC UNIFORM INSTRUMENT Form 3051 9/90 6R(WY) (9212).01 Amended 5/ ;1 VMP MORTGAGE FORMS (800)521 -7291 Page 1 of 6 Initials: RECEIVED .m by L 8656 8 6 OO MAY -2 Vu 2 I, 445 2 1 4RE dEHER, BOOK,..,.... _PR PAGE_____._ [Space Above This Line For Recording Data] MORTGAGE Loan ID: 0018883934 THIS MORTGAGE "Security Instrument is given on April 27th, 2000 The mortgagor is CASEY E. ERICKSON and SHELLY M. ERICKSON, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETIES which is organized and existing under the laws of "The State of Utah" and whose address is P.O. Box 410430 Salt Lake City, UT 84141 -0430 "Lender Borrower owes Lender the principal sum of One Hundred Eight Thousand Seven Hundred Fifty and no /100 Dollars (U.S. 108 750.00 This debt is evidenced by Borrower's note dated the same date as this Security Instrument "Note which provides for monthly payments, with the full debt, if not paid earlier, due and payable on May 1st 2030 This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, with power of sale, the following described property located in LINCOLN County, Wyoming: LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. 3610 BITTERCREEK ROAD, AFTON [Zip Code] "Property Address 11 1 1 1 [Street, City], 110 11 9 ;o Z e6ed LO I.z6) (AMA19 •0311011 JO 2u!nt2 am Jo sAgp pi ulgpiM anogr t11103 ins suotfoe agi 3o arom .10 auo ailul to ua!I agf A3sprs hugs 10M01x0g •ualr all 2utA3tluapt nor ou a .IPM01.1og ant2 Arm aapuaq luaunuisul AlunoaS stt p Jane Aluoud utMllr Agm lONm uatl r o1 13afgns st Suadord atp 3o lied Sure 1eg1 sautnuapap xapua7 3I •luauttulsul Aromas stgl of uati all 2utirurprogns iapua-I of Stopoejspes puawaar2g tre uari alp jo rapiol alp tuoi3 samoas (o) ro fug!' agi 3o ivawaoto3ua agp fuanard of alerado uoluldo s,iapuai alp u1 q q s2utpaaoord regal `ut uati all jo luatuaaiojua isutr2r spuajap xo `Sq uali all tp1e3 poog 111 slsafuo3 (q) `iapua-I of algridaoor r0uuew r 11t uaIJ all Sq pamoas uoue2tigo agi 3o fuawArd atp of 2utlum ut saar2e (e) :raMouog ssaiun luawruisul Apunoas snp nano Sfuoud seq 1mq /it uai Rue a2aegosiP Apdword pegs xamorrog •sfuawAed atp 2utouaptna s1d10oar rapua'l of gsluzn3 Apdmoxd rlegs JOM0.1aog `Apoartp sfuawAed asali sa3iuui ramonog 3l •gdut2gtud stgp Iapun Peed aq of slunotue jo saopou Tie rapuarl Ol gsuurn3 Apdword pegs xamorrog °ivatuhd pamo uostad alp o1 Spoartp atop uo uzatp Ard Begs .10M0.11og `.tauuew i t p ut P1ed iou J! 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Alradoxd agi imp pug Auadoxd agf So/woo par mug `a8g8uotu of 11121 all srq pug paAanuoo Agarag alelsa ail 3o pastas Arin3Mgr st tamortog 1811 S1NNNaAOO 2I1MO2I1IOg „•Auadord„ am sr luatuntlsul AlttnoaS stgi 11101 paxxaJa1 Si 2uto2aro3 agf Jo IIN •luaumtisuI S1unnaS slip Sq patano3 aq osie rrggs suotitppr pug sluawaneidat TIN •Auadoxd all 3o Ind r ragrarag 10 MOU satn13C1J pug `saoueualanddr `s1uamasea rig pure `Aptadotd agf uo papoara ra1;raIag JO Mou sfuawanordmt 1 3 1 agf 11E I- LIM �IaH LaJO L 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 agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. 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 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. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, 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 approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve 6R(VVY) (9212).01 Page 3 of 6 216 Form 3051 =/90 Initials: 9toge6ed to (z Lz6) (AMIti9- <110 •ivatun 1suI Sulnaas sup JO pue aloN am JO Adoa pauuoJuoa 3110 UanP aq Timis 1amo11og •,CdoD s •91 •aiquanas aq of pare13ap a1E a1oN atrl pus luauznllsul S3unlas sigl JO SUO!S!AOJd ag1 pua sup os •uotscnold 2upot13uoa aq1 motil!m 133333 uant� N use gl!trm aloN ag1 luaumllsUI'i1i1n3 °S SRI JO SUO!S!nold 1a1110 13333E 1ou pegs 1aijjuoa trans 'mgt aigsoiidde g1lm siat13uoa a30N am 10 luau1npsul A1tlneas sigl Jo asnulo 10 uoisinold Aug rum liana atp ul •palulo! s! 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Auadold 0141 2upiE1 1ei11Ed a 30 liana 0141 ul •1amo11og or mud SSaexa CUE gltnt `anp tram 1ou 10 1atrlatrm `luatutulsul Aiunoas sup Aq palneas stuns am or palidde aq delis spaaeold ail `A11ado1d 311130 2upler 15101 5 30 111ana ail 111 lapuarl 01 pled aq Hugs pug pau21sse Agalag 015 `uopeutuapuoo 3o nap u! aottsi(anuo3 103 10 `Auadold atp 30 lied Aug jo 2upt51 131410 10 uoiletnxapuo3 Niue gllm 101!03111100 lit ls1luanbasuoo 10 1ea1!p `sagsulep 1o3 ultete 10 p15ME Aug 3o spaaoold ail, •uopeuwlapuon •pt •uoil0adsui atp 103 asnea alg5uoseal SuiiC3i0ads uopeadsut 115 0l loud 10 JO amp atp lE 3011011 10M0110g ani2 !legs lapua-I •Auadold ag1jo suopeadsur pus uodn saillua aigeuoseai alisul AEUw 1uagE s1! 10 lapuoZ •uoi ;3adsui '6 mu! aigsorldd& 101apUal pu5 1amo11og uaamlaq 1Uatuaal$s ua11Um iC15 gum a3U5p10005 u! spua aouSlnsu! aSeguot11103 1uatualtnbal ail !pun `anlasal ssoT E aPlnold or Jo `103333 u! aougmsu1 0g52110u1 UIElUIEU1 01 palinbal swill am Asd !lugs 1amo11og •pauislgo sr pus aigsiisns satuooaq uis s Iapua'I Aq panolddg lalnsu! us Aq papinold salinbal Japuarl rem pouad atr11o3 pu5111noute ail u!) 05510A00 aauemsut a2eguotu 3! `lapual 3o uotldo ag1re `palinbal aq 132110! ou Amu sluauL sd T2 91R9 990 218 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 Hazardous 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. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. 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 paragraph 17 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 paragraph 21, 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 CID 49 -6R(WY) 192121.01 Page 5 of 6 Form 3051. /90 Initials: 06/6 69O£ WM /A iamouog- (i iamouog- (TeaS) .amouog- (TeaS) 6TZ (91 p) ownd 0002 `u L 1 Tidy sup aw atojaq pa5paimouxae sum luautnmut Vutoaa.toj at0, :ss ,C ;un o� NOS)iDIZIS 14 AZ'ISHS NOSN3IHa 'a iASSVD 91ogeO lamouog- (FaS) /100( :sa pdxg uotsstutuio3 IN (BuiSpaimouXae uosiad) NOS)i3I 12 W XFI'ISHS Pue NOSMOIHE 'a ASSKD `DMINIOAM LO U V LS :sassauum °1t tpum papaooai pus aannoiiog pa ;noaxa (s).tapu Niue ul pue luatun.ilsui IltmoaS _tp ut pa uoo e uanoo pus swim aril 01 saaae pue sldaooe .iamouog `MO'1 H ONINOIS All aapl2I 'WA aaptg uooHeg laplg ;uatu1fed palenpe'O Japi?I alej aigeisnfpd pq [(sa)xoq aigt:otidde }loagp] luatutulsui S;unoaS site jo ued a oiam (s)iapu alp jt se ;uaum ilsui'1l maaS sup jo sluammal& pue smuanoo aq1 luauiaiddns pue puaWf pegs pus o;ul pale.todtoout aq pegs zapu tons Ipso jo swoutaa.au pue slueuanoo aq1 luatunilsui A;unoaS slip gilm aagla2oi papiooaa pue iamoiaog ,iq painoaxa are szapp arum 10 OLIO jj ;uatuna;suj £;tmaas sit; o; saappj •pZ zapzg .iapm aWOH puooaS JapRm i ui�i ua ed l)iaamlg .iapi2i Allured i -i n quaui<Cedazd [Snoads] (spoilt° .iam luawanozduii aw i Japlmi luauidoianaQ iiun pauueid Jam umtutuiopuo0 X 1 .Suadozd atp ut 1amop put; Asa ino jo siqPu ile sagsmbuiiat pug £uadoad aqi ul uopdtuaxa pealsautog jo sig2u lit santem aamouog saan!BM '£Z •s1S03 uotlep.103a1 Sue iced iiegs Jamouog °10m0110g 01 amp lnotpim luaunulsui AliinoaS sit; aseaj31 Begs iapual luatutulsui Si[.tnoaS sup sq pampas stuns lie jo;uaui,Ced uodn •aseaia2I 'ZZ •1l 0 1 palll ;ua AIlsgai suosaad .io uosaad am o; ssaaxa ,cue (a) pus ';uatuna ;sui £;ianaaS stq; painaas sums Hs o; (q) 'saaj ,sSatuo ;e algsuossaa 'o; pa ;null ;ou ;nq 'aulpnpul 'alas am jo sasuadxa lie o; (g) :aapao Sujitojloj aq; in middy aq lists alas am jo spaaaoid aq,L •ales £ue ;e 4i doad aq; asegaand £rnu aaualsap s1l ao aapuari -Aral aigeapddu ,fq pagpasaad aauUBW aq; ul pins aq Begs A;aadoad am pus 'ales jo apt;ou ag; gslignd Begs aapuarj .pi gdsaasasd ul papinoad aauusm at() ul aaAtoaaog 1 ADJUSTABLE RATE RIDER o1a8s3934 (LIBOR Index -Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 27th day of April >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 ONCALL MORTGAGE AKA CROSSLAND MORTGAGE CORP (the "Lender of the same date and covering the property described in the Security Instrument and located at: 3610 BITTERCREEK ROAD AFTON, WY 83110 (Property Address) THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE 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. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial rate of 10 .300 The Note provides for changes in the adjustable 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 2002 and on that day every sixth 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 average of interbank offered rates for six -month U.S. dollar denominated deposits in the London market "LIBOR as published in The Wall Street Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding Five and Fifty Eight o Percentage Points 5 .580%) to the Current Index. The Note Holder will then round the result of this addition to the nearest one eighth of one percentage point (0.125 Subject to limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater that 13 .300 or less than 10 .300 Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than One and one hal f percentage point(s) 1 .500 from the rate of interest I have been paying for the preceding six months; subject to the following limits: My interest rate will never be greater than 17 .300 nor less than 10 .300 (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone number of a person who will answer any question I have regarding the notice. CMT-42 2 -17 -98 Page 1 of 2 220 Z 3o Z aged 86-LI -Z Zb .CLAD awl; ajgelsnfpd sigi uj paute2UOO s2Ueuanoo pue swim aqI of SaaJge pue sldaooe 1aMOJJOg `MO'laH O IINOIS A •JaMOJ1og uo pUeuIap Jo aopou JogunJ inoglIM luawnJisul'funoaS Snp Aq pau uuad so Cue a)jonut dew Japua'- •pouad slgi jo uoinuidxa OM of Jojld scans asatp i(ed of sj►e; Jamonog 31 •fuawnisul Afunoas sjgl Xq palnoas sums jje ded lsnw JaMOJ1og go►gM unpiM pajjeui 10 pan/glop si ao►lou atp amp ow tool; si(ep pc uutp ssaj jo pouad a apjnold pugs aopou aqZ •uopelajaooe Jo aopou Jamo11og antil jjegs Japuo `lnj UI luawb(rd alejpau1un gimbal of uopdo atp sasjolaxa JapuaZ JI •5UpIiM u1 1aMO.uog saseajal Japua7 ssajun fuatunusul t(lunoos Snp pue aloN aq1 Iapun paiE$ijgo aq 01 anupuoo 'pm JOMOIJOg •luawnllsul iCl►moaS sup u! pue aloN agl ut apew sfuatuaal8e pue saspuold alp jje daalj Ol oomjsUe11 aqf sala►jgo Nip pus Iapua-I of ajgeidaooe sj Jetp luatuaaJSe uotldwnsse ue ugjs of aalajsueif agl almbaJ osje view Japtn •uopdwnsse ueoj ag1 of IUMSUOO S,Japua1 0f uojlipuoo a se aaJ ajgeuoseat a a$Iego AMU Japua-I `Mej ajgeogdde ,Cq pauiuuad wawa alp os •Japua-I 0f ajgeidaooe sj fuawn1lsul M sjtp ut fuawaaJ2e Jo 3UEUanoo ,Cue jo goealq a jo 4su aql tetp pue uopdwnsse ueoj aqi ,(q panedwi aq f0u II!M Aulnoas s,Japua-I Imp saw ,Cjgeuoseal Japua-I (q) pue `.aalaJSU511 aq1 01 apew Fujaq a1aM ueoj Mau a JI Se aaJ JsueJ3 papaw! aq1 alenjena 01 Japua'l pannbaJ uouetulojuj Japua-I o1 ',oppugns aq of sasneo JaMOIJOg (e) :J► uopdo as1O1OX 2011 pegs osje Japua-I •fuaumlisul ICnlnoaS sjgi jo olep atp jo se Mej jelapa3 ,iq paugtgoJd st asiolaxa Jj lapua-j Aq paslolaxa aq IOU jjegs uopdo sup `IanaMoH •luaumlisUI ,Uunoas sup Aq palnoas sums lie Jo jjnl u! 3uaw,(ed alejpawwj almbaJ `uopdo sn w 'dew Iapual `fuasuoo uaUuM Joud s,Japua-j 1lOg11M (uosi d 'mum a f0U Si JMMOJIOH pus pa1.1 JSUe1l .10 Nos s! JMMOI10g Ut Isamu! jeiogauaq a Ji 10) pa11a3SUe1i 10 pins si li Uj ISalalw Aue 10 Amdahl agl jo fled Attu Jo lie JI 'JaMO1Jog ut salami le[agauag a 10 A(11ado1d NI Jo 1a;sar.Jj :smoljoJ se peal 0i papuawe sj fuawnlfsul I1jlnoaS ow Jo LI luUUanoD autumn 8IIMO2D1Og HI J S M T1IOI3IIN ll V 1IO A.L1I'ddO1Id MU AO 1IH ISNV LL g TZZ 99O CMT -46 02 -17 -98 PREPAYMENT RIDER the property described in the Security Instrument and located at: 3610 BITTERCREEK ROAD AFTON, WY 83110 Page 1 of 1 LN 0018883934 By signing below, Borrower accepts and agrees to the terms and covenants contained in this Prepayment Rider. 222 This Prepayment Rider is made this 27th day of Apri 1 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or the Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower to secure Borrower's Note (the "Note to ONCALL MORTGAGE AKA CROSSLAND MORTGAGE CORP "the Lender of the same date and covering ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: Except as provided below, Borrower may make a full prepayment or a partial prepayment of principal at any time without paying any charge. However, if within the first 2.00 years after the date Borrower executes the Note, Borrower makes a full prepayment (including prepayments occurring as a result of the acceleration of the maturity of the Note), Borrower must, as a condition precedent to a full prepayment, pay a prepayment charge on the prepayment of that amount of principal which exceeds 20% of the principal amount stated in the Note (the "Excess Principal The prepayment charge will equal the interest that would accrue during a six -month period on the Excess Principal calculated at the rate of interest in effect under the terms of the Note at the time of the full prepayment. Do not sign this Prepayment Rider before you read it. This Prepayment Rider provides for the payment of a charge if you wish to repay the loan prior to the date provided for repayment. c (Seal) CASEY /E. ER KSON SHELLY M. ER CKSON (Seal) (Seal) (Seal) (Seal) Prepayment Rider -First Lien AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IN, LA, MO, NB, NV, NH, ND, OK, OR, SD, TN, UT, WA,WY 24 6A---, 16 September 1987 erickson.des 'C' DCHIBIT "A" 1 "Mou in any way of the foregoing descrtptton terminate. li.bility of the wrv.yar 223 That part of the SEs4NWs4 of Section 23, ?31N, 8119W, Lincoln County; Wyoming, being all of that tract of record in the Office of the Clerk of Lincoln County in Book 68 of Photostatic Records on page 392 and part of that tract of record in the said Office in Book 198 of Photostatic Records on page 433, described as follows BEGINNING at a 3/8' x 12' steal spike for Station 238+66.25 on the center -line of,the Bitter Creek County Road No. 12 -140, S37'- 11.4'W 2083.79 teat from the north one- quarter corner of said Section 23, found is described in the Certified Land Corner Recordation Cer:Lfic.:ce filed in the said Offices thence N89'- 33.4'f, 31.59 feet to a point on the east right -of- way line of the said County Road No. 12 -1401 thence continuing N89'- 33.4'E, 356.94 feet to a points thence S14 14.0'g, 579.14 feet to a point; thence S89 33.4 357.48 feet along an existing fence line, to a point on the scat sight -of -way line of the said County Roaa No. 12 -140$ thence continuing 889•- 33.4'W, 31.05 feet to a 3/8' x 12' steal spike on the center -line of the said County Road No. 12 -140 at Station 244 +45.881 thence northwesterly, 366.74 feet along a circular curve to the right through a f:$ntral angle of 03' -40.0' and a radius of 5731.92 feet and along said canter -line to a 3/8' x 12' steel spike at stallion PC thence nce 11 51.0'W, 109.2 4feet along the center -line of the said County Road No. 12 -140 to a P -Knail at station PI 239+69.90$ thence N18 41.5'W, 103.65 feet along the center -line of the said County Road No. 12 -140, to the STATION Or BEGIb11IlGs SUBJECT to all easements of sight and record including but not limited to as easement for the Bitter Creek County Road No. 12- 140 of record in the. Office of the Clerk of Lincoln County in Book 192 on pages 451 and 455; each point marked by a 5/8' x 24' steel reinforcing with an aluminum cap (SurvKap) inscribed 'SSLTD BIG PINEY WYO. RLS 164'. all in accordance with the plat prepared to be filed in the Office of the Clerk of Lincoln County titled 'LINDA A. ERICKSON PLAT OP TRACT WITHIN THE SEsNW+ SECTION 23 T31N R119W LINCOLN COUNTY WY01ttNG', dated 16 September 1987.