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HomeMy WebLinkAbout865719WHEN RECORDED MAIL TO: 8 6 5 6 It 3 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 A p r i 1 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 Apr 11 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. 11 11 i 8 Space Above This Line For Recording Data MORTGAGE 9 D 11 WYOMING-Single Family Fannie Mee/Freddle Mae UNIFORM INSTRUMENT LT. 3/00 06 5 719 44 5 BOOK PR PAGE 281 BOOK 145 PR PAo 2 RECEIVED 00iy -1 Ail 10: JEANI° E UN f(EMIHRER, WYOMING RE 3'ga (pag 1 of 15 pages) 00 H1 --3 ifEML ER, nitials Initials MWYO4CV 1 i i +IJI`.iIittl (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 Balloon Rider 1 -4 Family Rider Ell (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 Planned Unit Development Rider Biweekly Payment Rider 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 Maa/Fraddb Mac UNIFORM INSTRUMENT I.T. 3/00 282 Second Home Rider Other(s) [specify] Form 3051 3/99 (page 2 of 15 pages) MWYO2CV 063 AOeOAMw (se6ed gt 10 s eBed) sale ;sot uuod oae 1•i J lareguSN1 wk1OdINn pew 'mom/ um puued -A umj eI6uis- ogIwoAM 899L89L000:JequmN ueoi •za;saers spung oiuozaaaia (p) Jo dlpua JO ;lleauaumzlsut `douae iezapal a dq pamsua aze s3tsodap asogm uopnlpsun ue uodn umezp sT 3ioa113 lions due papInozd 'VOW s,zaigseo Jo /oago s 'vow 3iueq 'Amp pajpi o (o) 'zapzo dauow (q) `gseo (e) :Japur dq pops se `suuo; 8uimolio3 ag; jo azoum Jo MO ui api m aq luaamz ;sal d;imoos stgi pug a ;ox ag; Japan anp s ;uotuArd ;uanbasgns iie zo Rue ;rip azmbaz deru zapuaj `piedun Japua-I o; pampa' sT ;uaumgsul d ;unoaS sfp Jo a ;obi ag; Japan luauided se Japua'-1 dq pantaoaz 31101Mz;SUT Jag ;o JO patio due 3T `zanamoH •Aouazmo °S•n ui spew aq nags ;uaamz ;sal d ;unoaS sTg; pue a ;oN alp Japan anp mallard uopoaS o; ;uensznd anon mozosa Joj spun; drd osie pegs zamouog •oloN aqi zapun anp so2Jego alai pue saazego ;uauTdedazd due pue aloN alp dq paouapina ;qap aip `uo ;saza ;ut pue `3o ledIouud alp anp uagm did hags JamoJJOg •sa8aeg0 a ;e'I pug 'saH.n qO ;uaudedaad 'slum moaasa ';saga ;ul 'iedpuiad jo ;uatuSrd •I :SMOTIO3 se oath pue lueaanoo pue JOMOLIo Et S.LAIVNEAOD PRIOdINfl duadozd lean 8uu0n00 mammal! d ;TJnoas uuoJiun a alcupsaoo o; uopotpsTJnf dq suopeUen pa;Tapp! gatm slueaanoo uuo31un -uou pue asn !ruoru zo; s;ueaanoo uuo31un sautgruoo ,LMaI�If12I,LSI�iI 1ZnifnjaS SIH,L •pzooai jo saouezgmnoaa dui of ;oafgns `spueacap pue suprio lli lsuIr8e duado1d agl o; apt; alp dilezauoR pua ;ap litm pue S;ueu M zamoJZOg piooai jo saouezqumoua zo3 ldaoxa `pazaqumouaan sT d ;zado1d alp ;eq; put duado1d ag; danuoo pue ;ueJS `aSeBUour o; ;gpu alp seq pus padanuoo dgazaq a ;i ;sa alp jo pasTas dlitpmel sT zamonog jeIP SINVI\iaA00 2iaMO2RiO1 duadozd„ alp se ;uaunulsai d ;unoaS STg; ut o; pauajat sT 3utoSazo3 alp jo lid '3uaumz3sal d ;unoaS sTIP dq palanoo aq osie ins suopIPPr Par s ;uauIaoeidaz iiy •Mzadozd aip jo Ind a J04e210q Jo mou sam ;xg pue `saoueaaundde `s ;uaivasea lie pue `duadozd alp uo pa ;oaza za ;Jeazaq Jo mou sluaacanozduct alp IIe HIIM 2IaH,LarOO,L [dTZI ssazppy d ;Jadozd Luce 8uturod1 'OS 3131 30nii10S Z5 [d3TOl 3NAVHl ;o ssazppe atp seq dpuazzno tplgm '9NINOAM 'AINflO3 N100NI1 dO SOH0338 11/I3Idd0 3H1 NI Q308033H ONV 0311Vld SV (Pt) N3318fOd 1Vld H3NV8 A311VA HV1S NI (Ll) N331N3A3S 101 [uot ;otpsunf 8utpzooau jo =BM [uopotpsumf 2utpzooa21 jo adi jj Nl03NIl 30 AJMI100 aql uT pa ;eooi duadozd paquosap Sutmollo3 a n `axis jo Jamod qum `suWIsse pue szossaoons s,zapua -I pue zapua-i o; danuoo par ma `aadd1ouc dgazaq P90 E8Z 284 065 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 Fannie Mao/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Form aosi a/99 (page 4 of 15 pages) MWYO4CV AO40AMW (sel3ed g1 jo g abed) eo/s ►sos wiod 990 oft al J.N3WnlliSNl VWOdINfl ovri MPPUdNSW MwSd 4 11 d elau19- ONIMAM 899L89L000 uso-i inffai `ui uaii ail jo luauiaozojua Isuleffr sun spuajap z0 `Aq ipiej pooa ut uoti ag1 sisaluoo (q) °ivatuaazge gons &Uiuuojiod st zaMOuuog se But)! os AR) 1nq `zapuai o1 aigeldaooe zauuetu ui uati atg Act partings uoptTiigo all jo 3uamArd alp o1 RutiuM ut saai5E (E) :JOMOZZOg ssaiun luatanz3sai Alunoos SIM JOAO ,cluoud seq gotta& uaii AUS 02iElosip ,Cpdumzd ins JaMonog °E UoPOas ui papinozd Jauueui alp ui maip Xed pegs Jatozzog 'swan MoJOSa are SUN)! sip 3Eg1 pualxa am oj, .AuE 3i `s3uatussassy pue `saad `sang uopEioossy Alillnuttuoj pue `Aug 3t `ICliadoud ail uo swat pUnozl JO sluomArd piolaseai `luautnzlsui ,CrpooS sill zano Rluoud uiEllE uEo gotlM Xuado1d am of opwinqullE suopisodtut puE `snug `saffimpp `sluautssassu 'sow) iie Ard iiEls uamofOg sun '.sa.ieg3 •zapua-i Xq piag spund XuE 1OMOZiog of purga1 1tpdiuozd pegs zapua -i luatunzlsai A)I.moas sttp ,Cq patinas sinus iie 3o Iln3 uc 1uatwAed uodn •sluataiCnd Ailpuoui ammo uegl azom ou ut lnq `ydsa glint aouepz000n lit ,Couaiogap atp dn alums o1 tt°IESSaoau nmotur ail Japurj 03 iCEd iiEgs zamoJZOg puE `ydSa i Aq pazinbaz sE Jamo1JOg dJpou TEENS zapua7 vas Japan paugap SE `MOZOSa ui piag spund jo Aouatogap E s1 azagl 3i •sluauiAed AiTpuom aniaMl urg1 azom Ou III lnq irasaH i1iM aouepz000z lit ogr cogs ail dn 031Eat o1 ,i£ESSaoau lunouce ail zapua-j 01 dEd iiEgs JOMOJJOg put `ydsax Aq pazinbaz se zaM01z0g SjpOU imp zapua-i `VdSall Japan pupal) se `MOJOSO lit piag spund ;O age3JOis a Si azalp 3I °ydSg2l ITM aoUEp1000E ui spun; ssooxa all z03 J2M0110g O3 lun000r Iielis zapuxi `VcISH21 Joplin pupal) sr `MOJOSO ui piag spund 3O snjdms a si atom 3I VdS 1 I Aq pazinbaz se spund am jo ffupun000e plum uE `agnngo 3notplt `zaMOZZOg o3 aA1S JJEgs Japua-i .spund ail uo pied aq pr's 3SaJa3u1 3Eg1 `zanamog &apUM IIi aadE UEO Japua-i purr 1 MO.uog .spund ago uo sffutuzea Jo lsazalui ,Sue zaMOli0H AEd o1 pazinbaz aq 3011 legs Japua-i `spund all uo pied aq of lsazalui sazinbar Mrj aigEoiiddy to ffuiluM lit apeai st luoutaaae ue ssaiun °affzego a gons virtu o1 Japurj situuad Me-i aiggoiiddy par spund alp Ito lsazalui JaMOJZOg sAEd Japuaj ssaiun `stuai MOZOSg ail guiiizan Jo lunOOOE MOZOSa a111 2utziCt3 Allman `spund all &uiAiddi pue gutpioi J0J zaMOJZOg altrgo 1011 lets Japan °ydSa i Japun pagtoads amp all umtp _tom ou SU1 2J Mozosg all ,Ced o1 spund agl iCiddE pegs zapua•i uEo- au °H iuuapad Cu r lit JO (pamsui os aJe slisodap asogM Uopnlpsat uE st Japua-i 3t `zapuaj &.itpniout) Amin Jo `Aitteluauiiulsut `Aoaaffe iezapal a Aq pamsur OJe sljsodap asogM u0ptupsut uE lit piag aq pegs spund au •Me-i aigeoiiddy mytt aouEpz000E lit OgAviatno Jo SIICali Mozosg aznlnj jo samlipuadxa 3o salempsa aignuosnai pun elep luazznO jo siseq atp uo anp spund 30 3unoute atp aleaipsa Hulls zapuaJ •ydsau zopun azinbai URO zapuoi E mnotur Umutixeai ag1 paaoxa 03 3011 (Z) pue ydsazi Japan pagtoads amp am 3E spund ail Aidd& o1 zapuaZ ltuuad o1 lua1OgJns (j) 3Unoure Ue Ut spund piol puE loaiio° 'a tm Aug 1E 'Amu zapuaq uopoos sill Japan pazinbaz ualp aze Mil `s3unoU1E lions ui pue `spund iiE zapuaj O3 Aed ilk zaMOJJOg `uopeoonaz ions uodn `puE si uopoos 1 1M aouepz000e lit Uoniff oopoa a Aq atup ,Cue 1e small MOZOSg pr so ,sue O3 se zanieM a1i1 apnaz Arm Japua7 °lunoale gons Aue Japua-i o1 AEdoi o3 6 uopoos uapun paiE2tigo aq uaip iiels zaMoiiog puE lunom Ions AEd puE 6 uopoos Japan astouaxa Firm zapua•i `1aa1i MOJOSa UE JOJ anp 3Unotur all hd 01 siie3 JOMO°u0g puE `uantRM a o1 luensmd `ICpOazip small mama Aed o1 pa3Ekg0 St JOMOZZOg 3I °6 uopoos Ui pasn Si 3uaulaaae pun 3ueuanoO„ asEJ 1d alp se 'mamma' Allmon silp lit paUtemuoO 1UOUiaaar pue lueuanoO a aq o3 paulaap aq sasodmd iie z0J pegs snip= aptnozd o1 pun slum:card gons alum o1 uopESiig0 S,JOMOIJOg •a1mba1 Amu Japuaj se pouad auii gons upp1M momArd Ions ffutouaptna snip= zapuol o1 gsm.inj iiptis sazinbaz zapua-I 3t `pue zopua7 Aq paniRM uaaq seq spund jo 3uautAEd 1jOtgM uo; sulali Mo1OSg BUE zoj anp S1Unoule alp `aigg6Ed azogm pun uagM `Spoaztp Aed iiegs JaMO1JOg 'JOAWWM gons J0 1U0n0 0111 ui 2uj3uM UT aq /Ciao steal JOATEM 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 Mao/Fnddle Mac UNIFORM INSTRUMENT LT. 3/00 286 Foram 3011 3/30 (page 6 of 15 pages) MWYOIOV 067 AOLOAMw (seBed 91 Jo 1 eBed) we me wioA 890 1.87, owe •t•r 1NiWnM1SM rivomn OS MPPu ooert Nw+Ui -NltUB eIBulS`OMWOAM 899L89L000 ueori °asne0 aigeuoseai dons 8arjtoads uopoadsue zouapu? ug Mons o; loud Jo ;o alai at1 111 aopou aaMOJJOg 0n 18 Ipgs Japan •,C11adoJd 0411 uo s;uamanoidua alp jo iouaau? aim padsur Aeat Japun `asnro aigruosrat seq 1! 3I °AUOdoJd 0111 ;o suopoadsu? pur uodn saulua aigeaosrai 03igar Agra 1ua$u sp Jo Japan °a0pe101Sa1 Jo in dai tons ;o uopaldumo 0111 ao; uope8?Tgo s,Jamo11og ;o pananai 1011 Si aamonog `Alaado1d alp aims= a0 pedal 01 aua ?oSjns 10u Jae spaaooad uopuumapuoo JO aourinsai alp ;i •paiaidamoo s! 31JOm alp se sivatuArd ssaaSoad jo sus g u? 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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. Loan Number: 0007687668 WYOMING-Single Famly-- Fennle Mee/Freddle Mee UNIFORM INSTRUMENT LT. 3/00 orm 3051 3/99 (page 8 of 15 pages) MWYOSCV AJ8OAMw (se5ed 9L /o 6 eyed) ee/e Gsoe w.w leIllu BM oae Ti zlrawnuista weoaINn *•w •mt+• 0 w+•6 A UI eleUIS3NAwoAM 899L89L000.JeguanN ueo, ram g aplas op plume ue alum op sza33o (=auras JIM agp ui paugap se) Aped 8uisoddp am in p zamozzog op zapun £q aopou mug `3i zo `zamouog pauopuegg si Apzadozd atp 3I °anp tram are sums alp Jou zo zagpown puatunzisu! Appnoas sitp Aq pamoas sums am op paiidde aq hugs spaaoozd snoaug!laosi j, alp `BuppM ui aaAe as1MZagpo Joplin pug zaMOUOg ssaitn `amen ui ssop JO `uoponzpsap Tupinp pepznd am azmjaq £papuipatutu pamoas stuns am 3o punotuu am uetp ssap si anion III ssop JO `uoponzpsap &uprl jnpzed agp azopaq Apawtpatuuti Apadozd alp 3o amen pavetu ztn3 aria gonim ui Apzadozd am 3o amen ui ssop zo `uopotupsap `8up ri inpzed u 3o Juana atiJ u! °zamouog op pied aq Iiegs aouupnq Ifud amen ui ssop zo `uoponzisap lupiep lepznd am azojaq ICJapeipatum! Apzadozd am 3o amen Jaapetu zte3 alp (q) Aq papinip amen ui ssop zo `uoponzpsap 'Rum pepzed agp azopaq ApaJuipatutut pamoas sums alp 3 punotue rim alp (n) :uopouz3 RuyitouoJ ag1 Aq pagdppntu spaaoozd snoaurnaosm alp 3o punoute am Aq pampa.' aq !pegs Juatunzpsu! ,Cipmoas sigp /Cq pamoas stuns am `8uippM III =Au aspkuatpo zapual put zamoumg ssaptm `amen ui ssop 10 `uoponzpsap &upim ppzud am azojaq Aiaieipaurtui puatunzpsul Apunoas sup 'Cq pamoas sums am jo iunotue alp uegp zarazg zo of punba si amen ui ssop zo `uopotuJsap p pled am azopaq iClapnipauutui dpzadozd alp 3o amen mina ne3 alp goigM ut L(pzadozd aqp 3o amen ut ssop zo `uoiponzpsap lupim peiized n 3o Juana alp u! •zamouog of pied Cue 3i `ssaoxa agp IpiM 'arm tam you 10 zagmagM `Juamtupsu! Appnoas sip Rq pamoas sums am op paiidde aq !pegs spaaoozd snoaunppaosrysI alp `L(pzadozd am 3o amen ui ssop JO `uopotupsap `Rupp pepop u 3o Juana am u! •Z uoipoas ui zo3 paptnmid zapzo aria u! paiidde aq !pegs spaaoozd snoauuppaosm lions •zamouog of pied 'Attu 3i `ssaaxa alp tp1■ `anp uat p Jou zo zatpatiM `puaiunzpsu! AJpnoas sup ,(q pamoas stuns am op paipdde aq Hells spaaoozd snoaueppaosty\I am `pauassap aq mom AJpnoas s,zapun zo apgisga3 Aij oiutouooa Jou st ip dal .10 uopnzopsaz aqp 3I •spaaoozd snoauuppaosm lions uo sWuiuzea zm psazaJui Cue zamozzog /Cud of pazmbaz aq Jou !pegs Japan `spaaoozd snoaueiposij,i lions uo piud aq op isaza1ui sazmbaz Me'! apgeogddy 10 �urauM ui apetr si ivauuaaz8u ue ssapun •papapdtuoo si zlzoM alp se spuautAnd ssaz8ozd jo sagas n ui zo puauuasmgsip ai8uis u ur uopezopsaz pun sin dal agp zo3 rind Mutt zapua-j •Apdtuozd ualnuapun aq pings uopoadsui Irons pngp papinozd `uopoejspns s,zapuar op papaiduroo uaaq set! 3EIOM atip amsua op Apzadozd lions poadsut of i(imnuoddo in pug set! zapuaq !pun spaaoozd snoauullaosm qons ppoq op map alp aim! !legs zapua-j `pouad uoipezopsaz pue in dal lions &tuna •pauassap you si Appnoas s,zapua-j pun aigisea3 Aiieoi uouooa st ziedaz 10 uopnzoisaz am 3i `Jipzadozd alp 3o ziedaz JO uopezopsaz op paipddt aq hugs spaaoozd snoaueipaosm lions `paauttup s! AJzadozd am 3I °zapua- of pied aq ipugs pue of pau5tsse Jgazaq ale spaaoozd snoaueiposm rid •aanimaJaog :spaaamad snoauellaaslis 3o puatnu8lssy •ii •apoN app ui papinozd apex am in 3sazatui Aed of uopiWggo s,zamozzog spoa33u p! uopoas sigp ui 8utgpot .me-! apggotiddy ,Cq pazmbaz si uopnuituzai !pun zo uopetimual lions zo3 Wuipinozd Japan put zamouog uaaMJaq puautaaau ua2ppM Ifug IJ TM aougpzmoog ur spua aouemsu.I ageapzop^I z0J puatuaztnbaz s,zapua-J agi pun `anzasaz ssop apgepurgaz -uou a apunozd of zo `Joa33a ut aounznsui a8u8UOJAI uteiuietu op pazmbaz sutnuuazd am ,Cud !lugs zamo1Og `aoueznsui a8eBizoj zo3 stunittazd alp pzemop sivatu,Ced papeugisap iipapgzudas pazmbaz seM zamouog pue ueo-1 am gamut 3o uopipuoo n se aounmsui a8e8pzow pazinbaz zapur 3I •aougznsuJ age$pzow zo3 suutiuuazd am pzetop spuamAed papeugisap Aiapgzgdas saztnbaz lapin pug `pauui qo si `aigeiignu samooaq 'tray zapun iCq paloalas zamsui un eiq papinozd sazmbaz zapual imp popad atp zo3 pun punoutu am u!) affnzanoo aouemsul aRe8pzoJAJ 3! sivamded anzasaz ssop azmbaz za8uoi ou two zapua-! 0 0 U'i a 2 9 0 071 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 WYOMING-Single Family —Fannie Mae/Freddle Mac UNIFORM INSTRUMENT I.T. 3/00 orm 3051 3/99 (page 10 of 15 pages) MWYIOCV AO/4AMw (se8ed gt. 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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 Famiy- -FannI Mae/Fnddla Mac UNIFORM INSTRUMENT I.T. 3/00 nitials Initials 292 073 win 9051 3/00 (page 12 of 15 pages) MWYI2CV AOCIAMNI (Wed gL lo et abed) eels IsOe ZO 1er11u1 S fl!Ul oo/C •1'I 1N3VdflULSN1 MINOdINfl Dm IIPP*+d/ V quuea —A41weA e18uISONIWOAM 899 ueo-p •dnueajD irpuat11a0ztnug UE zoj zapua -i uo uorie8ggo Sue ap ro hags utazaq Su oN •Me-I irtuauzuozcnug 1piM aouepz000e ui suopor !mama' tSzessaoau lie 03[E1 i(pdtuozd HMIS zamouog `tizgssaoau st 4i dozd alp 8ur3oa3 r aoue3sgns snopzezeg SLUE JO uopEtpauiaz zatpo zo irnotuaz tCue 1r113 `ti)zrd atenud tSUE zo `dtpotpnr £IO1Rin2az z0 W1U0111UJOA02 Sur tCq pagTou st zo 'aura! 1aMOZZOg 3i •tilzadozd atp 3o amen atp s3oagr tiiaszanpe gotgM aourpsgns Snopzez1H r Jo aSROjaz 10 asn `aouasazd alp Ali pasnno uoT3ipuoo Sur pun `aourisgns snopzezrH Sur jo aseaiaz jo lraztp JO asraiaz `a8zegosip lupjrai `8utiiids Sur `02 paittutj 3OU tnq 8uipnpui `uo131puo3 irtUa1uu0ztnua Aug (z) :a8paintomi moor seq zamouog gonjM jo ME'i ie1uatuuozinua zo aourlsgns snopzrzeH SUE pue tivado1d alp atcinionut d3zrd 21RAUd JO tCouaEr £I03g111a0z z0 iEluaUTazan08 SUE tiq 110p0E zatpo 10 3111sMei `puraiap `Immo `uope2psanut tiU1 (1) JO 00110U 112111IM zapua-i antg t(pdtmozd iiggs zam0zzog (s3onpozd zauinsuoo ui saourpsgns snopzezeq `ot pailuiii Sou 3nq &uipnput) Slzadozd atp ;o aouruannruu o3 pue sasn !rituaptsaz irauou o3 ateudozddd aq o3 paztu800az Siiezauag aze 3E1'1p saourtsglnS snopzgzeg 3o sappurnb Hums 3o titzadozd atp uo a2EZOls 10 `asn `aouasazd alp o3 tCiddr )(au ijEgs saouatuas °M1 8utpaoazd agj, •titzadozd atp 3o amen alp spoa33r ICpszanpu trip uopipuoo a satrap `aourtsgns snopzrzrH r 3o asraiaz 10 `asn `aouasazd aq3 01 anp `gougM (E) 10 Uopipu03 1E1110111110ztn11a uE S02E01O 110111M (Z) `Mr'i ig1U0U1U0z1AUa SUR JO uopeioIA uT si trip (j) titzadozd atp gupOa3le BuTtpAur `op ca asp auotiur Moijr JOU `op you imp zaMozzog •titIadozd alp UT JO 110 `S031111sg115 snopzezeg tine asrajaz of ualeaztp 10 `s0our1s111ls snopzezeH Sur 3o aseaiaz z0 `a8e102s `iesodsip `asn `aouasazd alp 3ttuzad 10 asnuo tou jjrgs zamozzog dnuraj3 jRlua1uUOZtnug uE za2aul asIMZatp0 z0 `02 atngU1uoo `asnro Imo prig uoi2lpuoo SUROU1 „uoil?puoJ jeluauiuortAUa„ ue (t) pue ME igluaulU0ztAUa ui pauuap sr `U011Or irnouiaz JO `1101Og iiipatuaz `uopor asaodsaz titre sapnpul „dnuraij Wtuatuuo1TAUa„ 'uopoalozd irtuatuuozinua z0 tC3ajrs Viral o1 apgiaz trap paleooi st tCuado1d alp azatjM uorloipsunf alp Jo sMEm par SM1 j p:zapa3 SugaU1 „Mr! irtuauiuortnug„ (Z) !sir -palm anpoeotpez pue `aptSgappruuo3 z0 sotsagsr &utu!Eluoo Sietza3EUi `sluani0s autumn `sapiotgiaq par saptopsad Otxo1 `slonpozd tunaiortad otxol z0 aigganurg zallo `0110S0.103[ `autiose3 :saOurtsgns autmoiio3 0111 pug mei irluatuuortnug tiq sapsgM zo `s3urtmjod `saourlsgns snopzezeq JO Otxo3 se paugap saouepsgns asotp alt „saouelsgns SnopzezrH„ (I) :iZ uopoas sttp ut pasn sy •saauetsgns snopaezeg •IZ •0Z uopoas SRI JO SUOISIAOld U0p0E anpoazzoo a)1Et 01 ti2tun2ioddo par 0011011 al3 i(jst2es 01 patuaap aq 11 TS 8i uotloas o1 turnsmd zaMOZZOg Ol 11anT5 uOprzaiaO0r Jo 0011011 atp par ZZ uOpoas o1 luensznd z0M0zz0g 01 uanT2 ono 01 tC1tuntzoddo pug uottrzaiaooe jo 0011011 at u, •gdratird sttp jo sasodznd zoj aigruosraz aq op patuaap aq !um pouad amp prtp `umie3 aq ueo uot3011 uppzao azojaq asdrp tsnui gotgM pouad atop a saptnozd Ant- aige0tiddy 3i •U011011 antloazzo0 0)1111 01 0011011 ions JO 8UTAT8 alp za13r pouad ajgEUoseaz E opzaq tS3zrd zaglo 0111 pap1o; ;E pin 'maul pa8ajjr lions ;o (Si uotloas Jo sluatuazmbaz 0111 tptM a0Uegdtuo0 ut uant2 a0t3ou lion g3TM) titzgd zatpo atp paupou srq zapua-i JO zam0zzog lions !pun `luatunzlsui tittzn0as Stg1 `Jo 11051)01 Xq panto tCpnp Sur JO 40 uoisIAold Sur pagorazq seq Sped zatpo all 111111 saRaiie legt zo luatutuIsai iCpunoas sttp o1 turnsznd saopor sAtzrd zag3o atp uioz; saspr Imp (ssep g jo zaquiatu alp z0 1ur2pti jt'npinrpui ire zagga sr) uopor ieiotpnf titre 01 pautof aq z0 `UTOf `OOUOUutUOO tCea1 zapua'i JOU z0MO110g 101210N •zas1gOZnd atom ail tiq paptnozd asIMZatpo ssaiun zasegoznd a10N alp tCq paumsse 1011 011) pue (s)zaotnzas uro-i zossao0ns E 01 pazzaJsurz1 aq z0 z0O1A1as Ur0'1 0111 111tH utrtuaz !pm IOMOZZOg o1 suopr8ijgo &utotnzas urn! a8r83zo1u ail `atoN alp ;o zasegomd alp urg3 zatpo zaOTAZas ueo-i r tCq pa0tn1as st ug0-i alp zaljeazatp pug pios ST aloN 0111 .i Wupp Zas jo 'amyl 3o 0011011 E ip1M uOpOauUOO ut sazinbaz 294 075 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 Famly- -FannN Mas/Frsddle Mac UNIFORM INSTRUMENT I.T. 3/00 3051 3/99 (page 14 of 15 pages) MWY14CV A09WW1 (se5ed gl Jo gl °Bed) 66/e 190e WO 'ewes e43 pelnoexe Aey of pe6peiMOWpe Amp own luewnwsul enoge eye to (s)JeW3is eqi :lv 8u}pisa r i(rvJoN 11VON3N N V A0 PUe 11VON3M )I A88V8 ew eioleq peaeedde �tpeuosJed vw .a .v �o tap p e4l u0 IivawlfpeimoinOV JO; null tI41 Molee aasdSI owe '1'I J.N]WntusNi WNOdMf oar. SIPPudl ew iluusa--AntuBA eIDu19ONIVVOAM N103NI1 3O A.LKf1OD :ss OAIINIOAM 30 3.LVZS 899189L000.JegwnN aeon sandxa uorsstuxruoo Aysl 11VON3N NN A03 0N3)I 88 8 •it 1Ptm papzooaz put zamozzog i q painoaxa (s)zapu Cue ut pue Iuaumzisul *moos spp ut pauteluoo slutuanoo put suual aril of saaae pue sldaooe zannozzog `Mo rONINOIS Ag Rutmo/CM 3o smei uorldmaxa peaisamor{ aril 3o of lips put Japan siii;lu i[e santem put saseaiaz zamouog •saamuM 91,0 s6z 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] T ILE 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. 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 Ma y 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." Loan Number:0007687668 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 ADJUSTABLE RATE RIDER (5 Year Treasury Index Rate Caps) 296 077 8L 6 e ►o Z eBed 00/Z '1'1 66/£ I I WJoj 3WwnJWRUl ZyA WJO I as a UUtt Aped a 6u! w�oalu� oQW olPPvad/ W I d I! 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Appuout am Jo 3unoute all autmzaiap uatp THm zapjoH aloN atjy •owwQ oBuetD ixau agp mutt a1EZ Isamu! matt dtu oq !pm mom papunoz stlp `moiaq (Q)p uopoas ut pawls s wag' alp 01 3oafgnS cei.0) uto za o d a2Elua oz 1 ad auo 3o g3Ij d 8to -auo isaJEau al) 01 uor3IPpE SUP Jo Tins= alp punoz nail jj, Pj H s utod aBEluaozad aly •xapul iuo� atp of 0 0 5 L Z )3 `a3eQ a8tte logo mpg SSu �Cq a3E1 isaza1ul mau Ala a1EjnoTEO mm a zapjoH a1oN alp saung3 3o uoj ;ejnaj1a (3) •aololo slip Jo aopou out 04 HIM zapjoH awls' aqy •uopgtuzoJut ajgEZEdtuoo uodn pasgq st 3Eg3 xapul rim E asoolo rjtm zapjoH aloN alp `aj eueng J0 uor ou sl xapul alp JI EH1lSSWH a a eDad 002 it ewe ieic wuoj luawnu;eul wioalun osyy 0IPPeJAMell aluusi Alwej e16u1S WHV HV]A 9 113OIH 31V11 319V1Sf ralf 31VISILViW zapml ateli algelsnfpy sttp ut paureiuoo s11E110n03 pLE saum am of swath par sldaooE Jamozzog `MO'1 H ONINrDIS �g •zamozzog uo puEtuap JO aotiou zatiunJ inotptm luaum 1sUI Lilunoas siq Aq pamtuzad satpatuaz AuE a3iomq Meru zapuaj `pouad sigl jo uoptZtdxa 0111 of zoud stuns asaip £Ed of sip.; zamozzog 3I •ivaumzlsui Alunoas stgl Aq paznoas sums or AEd lsnuu Jgh1011011 gotgm ttil pim SI uopaas mph aoUEpz0DOE tti 110nt5 St aotlou am amEp am uuozj sAEp o£ uEgi ssai 1ou jo pouad E aptnozd ilEgs aotiou ata •uopvvaiaoor jo aopou zamozzog 04 imp zapuai ITN ut luauuArd alEtpauuttt aztnbaz of uopdo am sastozaxa zapua-I 3I Uupum ut zamozzog saszaiaz zapua-I ssaiun 1uauunzisul Aiunaas sup puE alox am zapun paiEffiigo aq of anupuoo ipm zamozzog •luatunzlsui Alinaas spp ut puE a lox am ut apmtu sluautaade puE sastuuozd am iir daa3i o1 aazajsur4 atp mango !Furl par zapuai o! aimdaooi si lEtp luatuaaaE uopduunssE uE ults o! aaiajstezl am aztnbaz osir /Cm zapuai •uopdtunssu ueoi a p of luasuoo s,zapua-I of uopipuoo E sr aaj aigsuoszaz E aWntio Arm zapua-i `ME-I aigeoiiddy pantuuad wawa am oZ •zapuar of aigEidaooE st luatunzistl Siunoas slp ut luauuaazBE zo lu1Uanoo 'CUE jo urotazq E jo 31su a p rip puE uolidutnssE uroj 0111 Aq paziEdmt aq lou Iitm Xlunoas s lEq! saulruzaiap AlgEUoseaz tapuaj (q) pug `.aazajsuvvi 0 111 of apmnn Rutaq azam uroi matt e 3t sr aazajsUEZ3 papuaiut alp alunisna o! zapuaj Aq pazmbaz uoii muojut zapun o1 paiipugns aq of sasnEo zamozzog (E) :3t uopdo sturl ammo mu Tim osTe zapual mEJ IEZapa3 Aq paitgigozd st astozaxa Bons 3i zapua-I Aq pastozaxa aq lou !!Furs uopdo slrp `zanamog luaumzistl Amnon slur! Aq pampas sums of jo IIn3 ut luautAEd a1Elpauutul azmbaz Amu zapua-j `luasuoo ua!!um ioud s,zapua-i lnotiltm (pompstezl JO pios 6 1, 0 86Z 8991.89L000 °gwnN usn WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ArrN: Charlotte Neel Reinhart PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made 28th this 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 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 [Name of Planned Unit Development] (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 i 11 u i u i I 11 0 11 299 MULTISTATE PUD RIDER Single Fam y —Fann Mae/Freddle Mac UNIFORM INSTRUMENT FORM 3150 3/99 I.T. 10/99 (page 1 of 3 pages) 080 RMS1PUD 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 Fannle Mae/Freddle Mac UNIFORM INSTRUMENT FORM 3150 3/99 LT. 10/99 (page 2 of 3 pages) 300 08 RMS2PUD andsswa (se5ed s Jo E stied) 66/04 •1'I 66/E OSIE WNW IN3WfU.SNI WHOJINfl **NI oIPP•id/seW aluued— /Maned OI and aivisiilnW (,S0 11VON3)I N A00 7 '1' -'7 11V0 11V9 899L89L000 :ON NV01 •zapm and stria ut pautzluoo suotstnozd pug Saual agl of saazgn pun sldaoon zamozzog `t410'IIIg DNINDIS AU •luauand &upsanbaz zamozzog of Japua-i utoz3 aopou uodn `lsazalut gltm `aigrAnd aq iings pan am mom aria In luaaiaszngstp jo alnp alp wag lsaznaut nag its slanoutn asaip luotaked jo sauna zaglo o; aaan zapual pun zamouog ssaiun •luaumzlsai 'Cltznoas alp Aq painoas zamozzog jo lgap inuornppE autooaq iings a gdrannd sap Japan Japan -i Aq paszngstp slanotan Ray -Lump And Amu zapurj na `anp uagm sluotassasse pun soup and And lou saop 'ontozzog 3i •saipamag •,4 °zapua-i of aignadaoonun uopgtoossy szaumo agl Aq paui iutnut aanzanoo aougznsat iiltitggti otignd agl guuapuaz jo loaJ3a agl annq pinom gotgm uoilon Can (At) JO :a0ilgiOOSSy Sham° To 03SISWH (seded I to et3ed) 66/01 '11 66/C 069E WHOA iN3Wf1H1SNI WHOIINf pew elppaI/oeI'd oluuy Allwed 01Bu!S 11301U 3WOH ON003S 31ViSI11fIW zamozzog (MS) zamozzog (FOS) zamozzog Oros) z0M0110g (Teas) (sseippy Avadoid] 11VON3 NNtl A03 •zaptg auoH pumas sup uT pauiefuoo sun pue suual aT1 of saa1 pue sfdaoou zamozaog `AAO'Igg ONIIMDIS Xg •autog puooas s,zamozzog se dlzadozd alp 3o dousdn000 s,zamouog 8uttu0ouoo suopuluasazdaz `ol paliuil lou azB fnq `apniout suoifmfuasazdaz ieualsytl °ueo -I atp glim uotloauuoo u[ (uopmuuojm ieualnul ipim zapua -i apinozd of paiisj so) zapua-i of sfuaualmfs JO uopmuuoJui almanoomui JO `2111psaisiu 'asis; diisualeut ane2 fuasuo° JO a$pajmou3I s,zamouog Ty& JO aamouog jo uopoaz p alp le &uilos sappuu zo suoszad Niue JO zamozzog `ssaooad uoilmoiidde ueoJ atp Suunp 'Jr linn ;ap ui aq Hugs zamouog •uolseopddy usol e,4eMoz4og •9 °dfzadozd alp 30 asn JO riouedn000 alp nano Iozluoo due uossad zatpo Cu ,e JO uug fuattta2mueu m aniS JO dlzadozd all was of zagfia zamozaog sa1Tnbaz li tp luauaa1Re JO Iood ieluaz due of JO fuaua$uszae dtgszaumo pomp zatpo zo 2uuugsouip due of dlzadozd alp loafgns lou iimgs pue 'saUTq 11 311 luaudofua pus asn antsnjoxa s,zamozzog zoj aigeiiene dlzadozd alp damI hugs zam0z10 •auog puooas s,zamozzog se dlzadozd alp `asn diuo hugs pus 'ddn000 hugs zamouog lousdnaoO '9 :ffutmoiio3 alp dq paosidaa age pue palaiap aze luautulsul dlunoaS alp jo g pus 9 uopoag lugs aa1R1 pue lueuanoo zaipini zapual puu zamozzog `luaunzfsul Amnon sup a open' smauaa =8e pue S1UWan03 alp 01 uoi11PP11 111 :Tm paleool sr 'mum „dfzadozd„ alp) luawn.Tlsul dfunoas agl ut paquosap dlzadozd agl guuanoo pue amp gums atp jo („zapual„ agl) tl' N 'lugs Al t anoaS ;sa of aloN s,zamoazog aznoas of (pau$iszapun suoszad azou .10 auo aze azagl zaglagm „`zamonog„ atp) paugTszapun alp dq uaniS alep gums gip jo „fuatutufsui dfunoas„ alp) paaa dltanoaS .10 '1St1.1,1, jo paaQ 'affenzow alp fuauaiddns pus puatue of pauaap ag iimtis pue o1UT palezodzoout s1 pun OOOZ 1 ady 3o Sup 1 119Z s!TP apeu Si 2i3QRt allOH QNIOOHS SIH.L 2I�QRI aI%JOH QMODHS 299L89L000 ON NVOI am AM '3NAVH1 ''OS 31311I0 30f11IlOS ZS vaNvti N11V OLIO AM 'uol ;tl uo;6u!ysej S8h ao! ;IO uollonpoad e6e64aoW uo; ;y •y•N 'Aue8 r(;tanoaS ;sat3 :01 'iIVW 030H003H N3HM SCHEDULE C ATTACHMENT 303 Conditions and Restrictions in Declaration, to which reference is hereby made, filed by Leisure Valley, Inc., recorded 8 -15- 1977, at Book 138PR, Page 403. As amended by instrument dated 12 -17 -1991, recorded 12 -19 -1991, at Book 305PR, Page 248. As amended by instrument dated 3 -12 -1992, as recorded 3 -13 -1992, at Book 308PR, Page 21.