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HomeMy WebLinkAbout979900WHEN RECORDED, fv1AIL'fO: Be aC of Jackson Hole Post Office Box 7000 Jackson, WYOM INC 83002 This instnirnent wits prepared by: Beni( of Jackson Hole Post Office Box 7000 haste, WYOMING 83002 307467 -2672 1 1111111 111111 1111 111111111111111 I I 1 11111 11111 11111 11111 111111111111 I I 1 1111 1111 MORTGAGE DEFINITIONS Words used hi 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 word's used in this document are also provided in'Suciion 16. (A) "Security Instrument" means this doeutnent, which is dated December'31, 2014, together with all Riders to this document. (B) "Borrower" is Pi rlok Zuleger, u Single mum Borrower Is the mortgagor under this Securitylnstrument, (C) "MRS" is Mortgnge.Electronic Registration Systems, Inc. NIERS a separate Corporation that Is acting solely as a nornlnee for Lender and Londer'ssueoessors end.:assigns. MFRS Is the mortgagee under this Security Instrument. NIERS is organized and existing under the Jaws of Delaware, andlras on address and telephone number bf P.O, BoX.2o26, Flint, MI 485(112026. tai. (888) 679 -MFRS. (D) "Under"' is Bank of Jackson Bolo, orgonlzod slid existing under the taws of Wyonring. tender's address is Post Office Box 7000, Jackson, WYOMING 83002. WYOMING -Single Family Fannie Mae&Floddle Mao IJNIFORM INSTRUMENT with MERS• Page 1 of14 IOS, hi (Space AbOve This Une For Recordln0 Oatel 979900 12/31/2014 11:10 AM LINCOLN COUNTY FEES: $54.00 PAGE 1OF 15 BOOK: 845 PAGE: 684 MORTGAGE JEANNE WAGNER, LINCOLN COUNTY CLERK MIN: 100196202848248188 SIS Telephone (888) 679 -MFRS Form 3081 1161 (E) "Note" means the. promissory note signed by Borrower and dated December 31, 2014, The Note states that Borrower oWes tender ONE HUNDRED THOUSAND AND NO /100 Dollars (U.S, $100,000,0) plus Interest Borrower hes promised to pay this debt In regular Periodio Payments and to pay the debt In fldl not Iaterthnn.Januaty 1, 2045. (F) "Property" means the property that Is 'described below tinder the heading "Transfer of Rights in.the Property." (G) "Lunn "moons the debt evidenced by the Note, plus Interest, any prepayment charges' and late charges due under the Note,.and all sums duo under this Security Instrument, pius:Interest. (11) "Riders" means all Riders to this Security Instr.'ument that are executed. by Borrower, 'rho following .Riders are.ta be executedby Borrower Meek bogus applicable); Q Atijuslable.Rate Rider Condominium Rider Second Home Rider Balloon Rider PlannedUnitDevelopmentRider VA Rider 1-4 Family Rider Biweekly Payment Rider al Other [Specify) (1) "Applicable Litw" means all controlling applicable federal, state and leant statutes, regttletions, ordinances and administrativerules and orders (thatliave theeffeet of law). as well as nil applicable,final, non appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" moatis.alt dues, fees, assessments and other charges that are linposod on Borrower or the Property by .a condominium association, homeowners association: or similar organization. (1L) "Etectroni'e Punds Transfer" means any transfer of funds, other.then a transaction originated by Cheek, :draft, or similar paper instrument, whioh is initiated through en electronic terminal, telephonic. inatrutttent, etimputer, or magnetlo•tape -so.as to order, instntct; or authorize a ftnarielal Institution to debit or Credit an account, Such terns includes; but is not limited to, point -of- -sale transfers, attontaied teller.machino hauseot(ons, transfers. initiated: by telephone, wire transfers, and au tonmtedclearinghouse 'transfers. (L) "I: crow Items" means. those Items that are described in notion 3. (M) "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 Seotion 5) for; (1) damage to; OT destruction of the Property; (ii) condemnation grottier taking of all or any pert. of the Property; (ill) conveyance in lieu ofeondenwa(ion; or (Iv) misrepresentations of, or omissions as to, the and/or condition ofthoProperty. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan,. (0) "Periodic Paymout ".means the regularly scheduled amount due for(i) principal and interest :under the Note, plus (Ii) any amounts under Section 3 of this-Security Instrument. (P) "It the Real Estato Settlement Procedures. Act (12 U.S.0 2601 4 Nag:) and its implementing tegtllation, Regtliatlon (12 CPL Part. 1024), as.thoy. might be amended frontline to tune, or any additional or successor legatlatl'on or regulation thin governs:the same subject matter. As used in this Seouritylnstn refers to all requirements and restrictions that are imposed fit regard t6 a "federally related mortgage leen" even, if the Loan does not qualify as a "federally related mortgage lottria' under RESPA, (Q)." Successor fn Interest of Borruwot•." lneama any partythat has taken title to the Property; whether or not that party has assumed Borrower's obligations under the Note and?orthis Security lnsttninelit, WYOMING -Slagle Family Fannie Mae /Freddle Mao UNIFORM INSTRUMENYwllli MERS page 2 ott4. dk Form 3061 1101 TRANSFER QF RIGHTS IN THE PROPERTY 'Flits Security Instrument secures to Lender: (i) the repayment of the Loon, and all renewals, extensions and modifications of the Note; and (it) 'the performance of Borrower's covenants and ngtoetnents under MIS Security instrument and the Note, For this purpose, Borrower does hereby mortgage, grant and oonvey to MERS (solely as nominee fur Lender and Lender's suocessors and assigns) and to the successors and assigns oflvfERS,.wlth power.of sale, the following'described property located In'the County of Lincoln; LOT 71 OF STAR VALLEY RANCFI PLAT 3,. LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFiCIAL PLAT FILED ON 1v1ARCII 3, 1971 AS INSTRUMENT NO, 428.885 OF THE RECORDS OF'TFIE LINCOLN COUNTY CLERK. Parcel ID Number: TAX NO.1 1235192440601000 whloh at ,ently has the ad dress of: 519 Chokecherry Dr StarValley Ranch, WY 83127 TOGETHER WITH all the .I'mproventents now or hereafter elected on the property, and all easements, appurtenances, turd fi;Xtures now. or hereafter a part of the property. All replacements and additions, shall also be covered by this `Security instrument, AU of the foregoing is referred to in'this Soourity instrument ns•thi: "Property." Borrower understands and agrees that.MERS holds only legal title to the:interests granted by Borrower in this'Security instrument, but, if necessuly to comply. with law or custotn, MERS (as nominee for Lender and Lender's successors :rind assigns). has the right: to exercise any .or all of those interests, iireluding, but not limited to the right fir foreclose and sell the Property; and. to take any action required Lit' Lender fncludingrbut not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that.Sorrower is (awfully neizod cfthc estate hereby Convoyed and has the right to' mortgage, grant and convey the Property end that thc'Froperty is unenbumbered, except for encumbrances of record, Borrower warrants and will defend generally the tithe to'the Prepefty against all claims and demands, subject to any enctunbrances ofreeord.. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering reel property; UNIFORM COVENANTS. Borrower and Lender Covenant end agree as follows: 1. Payment tifP rinelpnl, interest; Escrow Items, Prepayment Charges,. and Late Charges, Borrower shall spay when. dues the prinoipal of Lind interest.on, the debt evidenced by the Nate and any prepayment charges and late phergesdtte under the Note, Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Seow•ity Instrument snail be made. in U.S. Currency. However, if tiny check or other instrument received by Lender as pgyment.under.the Note or this Security Instrument Is returned to Lender Unpaid,. Lender may require that any or.all subsequent payments due under thesNote and this Sedurity.instrument be made in one or ris re .of the following forma, es selected v 141 er: (a) Cush; (b) tnaney order;.(e) certified check, bank check, tretigurer's check or cashier's chock, provided any such cheek Is drawn upon en institution whose deposits are insured by sffbeleral agency, histruitientality, or entity; er (d)lElcotronlc Funds Transfer. WYOMING Single Family- Fannie Maa/Freddle Mao UNIFORM INSTRUMENTwith.MERS Page 8 of 14 I05.lnn n ri<;vrl 1 Form 3051 1/01 7 "Property Address"): Payments are deemed received by Lender when received at the location designated In the Note or at suds other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment'or partial payment if the payment or partial payments are Insufficient to bring the. Loan current. Lender may accept any paymentor partial payment Insufficient to bring the Loan current, without.iv_aiveti of any rights hereunder or prejudice'to its rights torefitse suoh paymentor partial payments lathe future, but Lender is not obligated to apply such paymentsat the time such payments are accepted, If eaoli Periodlo.Payinent is applied as of its acheduieddue date, then Lender need.not pay interest on; unappiiod funds. Lender may:hold such unapplied funds until Borrower makes payment to bring the Louis 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 offhet or claim whichBort @ver might have now or in the future against Lender shall relieve Borrower from -mating 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 descnbcd in this Sectloa2, all payment5.accepted and applied by Lender shall be Applied in the following order of priority: (a) interest due under the:Note; (b) principal due udder (c) =mints due under Section 3, Suclrpayments shall be applied to eacliPeriodic Payment in the order in which it became doe, Any remaining amounts shall be applied 'first to late•chargey, second to any other amounts due' under this 'Security Instrument, anti then to rcduee the prinClpal balance of the Note. if Lender receives a payment froin Borivwer for a deiianvetit Periodic Payment which Includes a sufficient amount to pay any late charge dos, the payment may be. applied to the delinquent payment and rho late charge, Ifmare than ono Periodic Payment it outstanding, Lander may apply any payntont.reeeived front Borrower te.thcrcpayment of the Periodic Payments if, and.to the extent tbat, each paymentcen be paid is full. To the extent dint any excess exidta after thepayment.is applied to "fhe'fu ll payment acne or more PeriodM Payments, such excess may beapplied to any late charges due, Voluntatyprepaymentsshall he applied first to any prepayment charges and then as described In the Note, Any application orpayments; insuratteeproceeds, orlvllscelianeous.Procoeds to principal d uo under theNoto shall not extend or postpone the Misdate, 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 ender the Note; until the Note is paid in fldl, a sum (the "Punds to provide for payment.of amounts due for; (a) taxes and assessments and other items which can attain priority over this Security Instr anent as a lien or'encumbrance on the Property (b) leasehold payments or ground rents on the Property, if any; (o) premiums for any and all insurance required by .Lander under Section 5; and (d) Mortgage Insurance prcnihuns, if any, or any sums payable by Borrower to Lender In 'lieu of the payment of Mortgage Insurance premiums in accordance with theprovislons afSoction 10.'Thesa items are Called "Escrow'tains," Atorightation or at any time during the tens of the Loan, Lender may Ye that Community Association Dues, Fees,.and Assessments; tf any, be escrowed by Borrower, And such dues, fees and assessments shall lie an Escrow 'tent. Borrower shall promptly furnish tc Lender all notices of.aMeUnts to be paid tinder ihis:Section, Borrower shall pay Lender the Fonds for Baorew Items finless Lender waives Borrower's obligation to pay the Funds for any or ell Escrow Items, Loader may waive "Bon'oyver's obligation to pay to Lender Funds for any tir till Escrow Items at any time, Any such waiver may only be. in writing. Ih the event of snob waiver, Borrower shall pay directly, when and where paytible,.the ammpnts :due for any Escrow Items for whtoh payment of Ptmds.has been. waived by Lender5nd,.'if Lender inquires, shall farnish totender receipts evidencingstiph.pay"ment within such.time period as Lender may require, Borrower's obligation. to. make such payments and to provide receipts shrill foal purposes be deemed tube acovenant and agreement containedin thisSectirity Instrrrneht, at the phrase "eovenam and agreement" is used in Section 9.If Borrower Is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to WYOMING -Single Family -Fannie MaeiFreddle Mao UNIFORM with MERS 14 IDS, Inc, pay the amount due for an Escrow Item, Lender.nmy exercise its rights under Section 9 and pay auch amount and Borrower shall then be obligated under Scotian 9 to repay to Lender any such ambtin Lender may revoke the waiver as to any or all 'Escrow Items at any time by a notice given in acoordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in stab 'amounts, that arethen required under this Scotian 3. Lender may, at any time,.eolleot and hold.Funds in an amount (a)" aufticient to permit Lendor to apply the Punds at the titnc.specitled under RESPA, and (b) motto exceed the maximum amount a lender can require under RESPA. .Lender shall estimate the radiant Of Plaids due on the. basis of current data and reasonublc estimates of expenditure, of future Escrow Items or otherwise in aoaordmice with Applicab le Law TheFunds shaft be heldht an tnstttution whose deposits are insured by n federal agency, instrumentality, or 'entity (including Lender, If Lender is eu institution whose deposits are: so Insured)' or lit any Federal Nome Loan Bank. Lender shall apply the 'Funds to pay the E'sc'row Items no later than the time specified tinder RESPA. Lender shall not charge BorroWer'for holding and applying the Funds, annually analyzing the. escrow account, or verifying the Escrow .Items, nnlessLender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a' charge. •Unless an agreement IS made itt writing or Applicable Law requires interest to be paidan the Punds, Lender shall not beret to pay Borrower any Interest or earnings on the Fuids. Borrower and Lender can agree In writing, however, that interact shall be paid on. the Punds. Lender shall glVc to Borrower, WtthOut charge, an annual accounting ofthe Funds as required by R1 SPA. If there is surplus of Punds held is escrow; as defined under RBSPA, Lender shall account to Bot1'btiyer for the excess funds in accordance ivitli RESPA,1f there ts n shortage of Punds hold in escrow, as defined. under RESPA, Lender shall notify Borrower asrequircd by RESPA, and Ftorrower'shaii pay to Lender the amount necessary to make up the shortage in accordance with RESPA, btit in no mere :than 12 Monthly payments, If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lendertlte amount necessary to tnaice'up the defieiency'in accordance with.RESPA, but inno more than 12 monthly payments, •Upon payment in full of all suits secured by this Security instrument, Lender shall promptly refund to Borrower any Funds held liy Lander. 4, Charges;. Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Scantily Instrument, leasehold payments or ground rents on the Property, if any, land Community ,Association Dues, Pees, and Assessments, if any. To the extent thatthese items are Escrow Items, Borrower shall pay there in the mafiher provided in Sutton 3. Borrower shall promptly discharge any lien which has priority over this Security lnstranfent unless Borrower: (a) agrees in writing to the pgytnentof the obligation scoured by Mellen in a manner acceptablelo Lender, but only so long as Borrower Is performing such agreement; (bJ contests the lien. in good_ faith'by; or defends against enforcement of the 'lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of Mellen while Those proceedings are pending, butonly until such proceedings are concluded; or (c) secured from the holder of thelien an agreemotitsatisfaetot t to Lender subordinating the lien to this Security Instrument. If Lender determines Ihat pert of the Property is s.ubject to a Why/Nat can attaln priority over this.Seourity Instrument, Lender may give Borrower n nofce identifying the. lien. Within 10 days of the date on Wltich that notice is given, Borrower shall satisfy the lien or take one. or more df the actions set forth above in this Section 4. (Lender rimy require Borrower topay a onetime charge for a real estate ter verification undto r reporting servile used by Lender in connection with- 5, Property Insurance. Borrower shrill 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, WYOMING -Single Family Fannle.MaelFteddle MairUNIFORM (MENT with MERS lit les, Inc. but not tiinitedao, earthquakes and floods, 'for wltieh Lender requires insurance. This. insurance shall be ntaiintained in the tunounle°relating deductible levels) and for the periods that Lender requires., What Lender requires pursuant to the preceding sentences cnn change during the term oftho Loan. The insurance carrier providing the insurance shall be Dhceau by B'orrower'subjecfto Lender's right to disapprove. Borro wer's choice, which right shall not be exercised unreasonably. Lender may requite Bonbwerto pay, Itt:cointection with this Loan, :either: (a) a one- time'oharge for flood zone determination, certification and truokIng services; or (b) gone- time.chnrge for flood zone determination and .curti'tication services and subsequent charges ouch time rcmappings or similar'ohnnges occur which reasonably might argot such determingtioh or certification: Borrower shall also ba responsible for the payment of any fees Imposed by the Federal Emergency lvIenagement Agency in.connection with the review Of any :flood zone determination resulting from an objection by Borrower. if Borrower falls to mahttaitn any of the coverages destribed ebove,.Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under :no obligation to- purchase any particutar type or amount of coverage. Tberefore, such coverage shall cover Lender, botmight or might not protecrBorrower; BbrroinV's equity in Me Property, or the contents or the Property,'egainst any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect, Borrower acknowledges that the cost of the insurnrtoe. oovoraga so obtained might slgniflonntly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender trader this Section 5 shall become additional debt of Borrower secured by this Security Instrument.these amounts shallliear interest atthe Note rate brit the datenfdisbtirsement and 'shall be payable, with sudh interest, upon notice from Lender to BorroVer requesting payntetnt. All insurance policies required by Lender and renewals otsnah policies shall be subject to Lender's right to :disapprove such policies, shall htclude ,.standard mortgage ohmic, and shall name Lender as mortgagee andJea as an additional loss payee, Lender shall have the. right to, hold the policies and renewal cortifieetes, If Lender requires, Deflower shall promptly give to Lender all .receipts of pald. preipigms and renewal notices, if Borrower obtains any form of insurance coverage, not otherwise required by' Lender, for damage to, or destruodon of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee end /or nsmn additional Ions payee, In the event of loss, Boj owar'shall give prompt notice to the insurance eurrler and Lender. Lender may moko proofofloss rfnotinpde promptly by Borrower. UnlessLender and Borroiveepther•telse agree In writing; any insurance proceeds, whether or.not the underlying'insnrnnae was required by Lender; shall be applied to restoration or repair of the Property, If the restoration or repair is eoanonilcnily feasible and Lender's security is not lessened, During such repair and restoration period, Lender shall have the tight 'to had stoh [nsarnnee proceeds until Lender liaA had .rut opportunity to inspect siwh Property to ensure the work hits been. oompletod to Lender's satisfaction; provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repaiis"aitd restoration in u slagle payment or in a ,.Dries of progress payments as the work is completed. Unless an:: agreement is made in wr'itiug.or Applidahlo Law, requrres.interest'to be paid on such insurance preemie, :Leitrim: shall not be required to pay Borrower any interest or 'earnings on such proceeds, Fees forpubllo adjusters, or otlter'third parties, retained by Borrower shall hoGbe paid out of the Insurance proceeds and shall be the solo obligation ofBorrowea If therestoration ar repeiris.not economically feasible or Landeg'S secerity would be lessened; the,inseranee proceeds -shall be applied t the sums secured.by this Security Instrument, whether ornot then'tlue; with the execs,, limy, paid to Borrower, Such insurance proceeds shall bc.applledin the.order provided for in S.cetion.2. If Borrower abandons the Property, Lendernnnyfilo, negotiate attd settle any aVaitable :insurance claim and related matters, If borrower does not respond within 30 days o A hotiee [Vain Lender ihefthe insurance carrier has offered to settle n claim, then Lender may.negoilate mad settle the claim. The 30 -tiay period will begin when the.notice.Is given, In either event, or if Lender acquires the Property alder Seaton Si or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any Midrange proceeds in an amount not to exceed tine amounts unpaid under the Note or this Se urity instrument, and (b) nay o her of•Borrower's rights. (other than the tight tor, any refund of unearned premiums WYOMING Single Family FannieMaelFreddle Mac' UNIFORMINS Ruth 'Foga IDS, Imo,• Form 3051 1101 IDS. Ina paid by Ilon'ower) under all insurance politica c'ovcring the Property, Insofar as such rights are applicable to the coverage of the Property. Lender may use the insuranoe' proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrument,whethor or not then.dtte. 6.Oeeupii ley, Borrower shall occupy, establish, find use the Property as Bo'rrower's principal residence within 60 days after the execution of this Security instrument and shall. continue to o'ocupy the Property as Borrower's principal residence for at least one year after the' date of occupancy, unless Lender otherwise agrees Itrwriting, which consent shalitiot be unreasonably withheld,. or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the Pt'opertyt lnspecdiotrs.. Borrower shalt not destroy, damage or impair the Property, allow the Property to deteriorate. or commit' waste on the Property. whether or not Borrower is residing In the Property, Bon'ower shall Maintain the Property lit order to prevent the Property from deteriorating or decreasing In value due to its coalition; Unless it is determined pursuant to Section 3 that repair or restoration Is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or (laptop. If insurance or condemnation proceeds are pair) in connection with dariuge to, or the taking of the Property, 'Borrower shall be responsible for repairing or restoring the Property only if Lender, has released proceeds for su0h purposes. Ltindermay disburse proceeds for the,repairs and restgralion.lh it tingle payment or in it series of progress payments as the work is eanipfeted. if the Insuranoenr condemnation proceeds.aro not sufficient to repair or restore the Property, Boi'rownr.is not relieved of Borrower's obligation for the completion attar repair or .restoration, Lendoror its agent May make reasonable entries upon mad- ihspections of the Property. if it has reasonable Canso; .Lender array Inspect the Interior of the' improvements on the Property..I.erider• shall give Borrower notice at the time of or prior to such atrinterior inspection specifying such reasonable cause. 8. 'Borrower's Loan Application:. Borrdwer shall be in defeult If; during the Loan application process, Borrower 'or any persons:or entitles acting a( the direcilon of Borrower or with Borrower's'Ienowledge or consent.gave materially false, misleading; or Inaccurate information or statements to Lander (or rained to provide Lender with material information) in cbnliectl'on with the Lban. Material representations include, :bur are riot limited to, representations concerning Borrower's odoaptutcy of the Properly as 'Borrower's principal residenoc. 9, Protection of Lender's Interest in the Property and :Flights Under 'this Security Instrument. If (a) Borrower friiieto perform the covenants and agreements contained in this Security instrument, (b) the'e.is a legal proceeding that night silntificantly, affectLendei "s interest in the Property and /or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, 'for condemnation or forfeiture, for enfoioemenf of n lien.whibh may atinin priority over this Seemly Instrument or to enforce laws or regulations), or (c)'•Borrower has abandoned the Property, then 'Lender may do and pay for whateveris reasonable or. appropriate to protect Lender's Interest in the Property and rights tinder this Instrument, including proteethigand /or assessing the value of the Property., and securing and /or repairing the Property. Lender's actions• can include, but are not limited to: (a).paying,rmy sums seethed by a lien: Which has priority over this Security Instrument; (b)'appearing in court; and (c) paying reasonable attorneys' Amato protect its interest in the tnd /or rights under.this Security Instrument, including its seemed position in a banttrgpte )i' ro'ceedIng. Securing the.Property. includes, but Is not limil'ed to, entering the Property to metre repair's, ehangd'locks, replace br board up'doors and windows dram wiper front pipes, eliminate building mother coda giotations or dangerous oonditlons, and have utilities turned on or off. Altho.ugh Lender may take action under this Section 9, Lender does not have to do so'utnd Is not under any dutyorobligation to do so. It is agreed`that.Lender incurs no liability for not taking any droll octions,andiorixed under this Section 9. WIO MIND .Single Family Fannie Mae /Freddle Mac UNIFORM INSTRUMENT with MERS Pegs 7 of 14. Form 3069 1101 Any amounts disbursed by Lender under this Section 9 shell become additional debt of Borrower secured by this Secpiity 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 ivtortgage.Insurance as a d tidition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance In effect. lf, for any reason; the Mortgage Insurance coverage requited by tender 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 tb 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 Lander. 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 tho insurance coverage ceased to be in. afoot. Lender will eoeept;.use and retain these payments as 'a non refundable loss reserve in lieu of Mortgage Insurance: Such loss reselye shall be tton.refundeble, notwithstanding the fact that the Loan is.ultimktalypaid in full, andLendor shall not be required to pay Borrower any interest or earnings on such Toss reserve, Lcnder'ven no longer require leas reserve payments.lf Mortgage Insurance coverage(in the amount and :for the period that Lender required) provided by :an insurer selected by. Lender again becomes• available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage insilranee. df Lender required Mortgage Insurance as n condition of making 'the Loan and Borrower Was remitted to 'rake separately designatedpayinents toward the premiums forMortgage insurance, Borrownrshall pay the preniiuns required to maintain Mortgage Insurer= in effect, or to provide a non-refundable foss reserve; until Lender's requirement for Mo•tgageTnsurance ends in nceordence with any. written agreement between Borrower and Ceaderproviding for such ternilhatior pi uritil termination is required by Applicable Law, Nothing in this Section. 10 affects Bor er s obligation to pay interest at the rata provided in theNote, Mortgage Insurancereimburses.Lender (or any entity that purchases the Note) for certain losses' it may Incur if Bortowerdoes not repay the Loan as egreed, Borrower is not a pertyto the Mortgage Insurenee. Mortgage insurers evaluate thelr total risk on all suet' Irisurnnde force Rom time to time, and may enter into agreements with other partiesthatshare or modify thelr risk, oC toduae losses, T.hesc agreements are• on terms and conditions that are satisfactory. to the mortgage insurer and the other party or parties) to these agreoinentsi These agreements may require the. mortgage insurer to make payments using any source offbnds that the mortgage insurer may have available (which may Include funds obtained frem.Mortgage Insurance preinitima). As a.resuh of these agreements, Lender, any purchaser dithe Note, another iirsurer, any reinsnrer, any other entity; or any affiliate daily of the foregoing, may receive.(direptly or indirectly) emoants that derive from (or Might be characterized esy a portion ofBorrovyer's payments `for Mortgage Insurance,. in exchange forsharing or modifying the mortgage insurer's risk, or reducing.losses, If such agreement provides that. an affiliate of Lender takes a share of the 'Insurer's risk in exchange for share of the premiums paid to the Maurer, the arrangement is:often termed "captive reinsutance." Further: (a) Any such agreements will not affect. The amounts that Berrow.er has agreed to pay. for 'Mortgage Insurance, ar any' other terms of fire Loan. Such agreements will not increase the amount Borrower will owe for .Mortgage lnsuratiee and they will not eutitle'Borraiverte any refund. (b) Any such agreements will not. affect the rights Borrower has if any with respect to the. Mortgage insurance under the Iiomaowners Protection Act of 1998`e any ether law, These rights may include the right WYOMINO -Single Family -Fannie Mee/Freddie Mao UNIFORM INSTRUMENT with MERS Form906.11/Of Page 8or14 W to receive certain disclosures, to request and obtain cancellation of. the Mortgage Insurance, To have the Mortgage insurance terminated automatically, andfor to. receive 'a refund of any Mortgage Insurance prentttims that were unearned at the time of such cancellation or termination. I:1, Assignment of Miscellaneous Proceeds; Forfeiture. MI Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,. If the restoration or repair Is pcone oloally feasible and L'ender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opporttinily to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in n singie disbursement or fn u series of progress payments as the work is completed, Unless an :agreement is made In writing Or Applicable Law requires interest to be paid on adoh Miscellaneous Proceeds, Lender shntl sat be required to pay Borrower any interest or. earnings on such Miscellaneous Proceeds, if the restoration or repair is not economicaity feasible or i.,ender'b security would belessened, the Miscellaneous Proceeds shall be applied to tite sums secured by this Security Instrument, whether:or not. then dire, With the excess, if any,'pald to Borrower. Such Misvollaneous;Pbroceeds shall be applied In the order provided Tor in Section Z. In the even of a total talcing,.dostructlon, or loss in vriluc of the Property, the Miscellaneous :i'roeoeds shall be applied to the stuns secured by thls Seourily Instrument, 'whether or 'not then due, with the excess, if'any, paid to Borrower. In the event of a'pattial taking, destruction, or loss in of the.Property in which the fair market value of the Propertyimmedfateiy before timpanist taking, destruction, or loss in value is equal ter or greater than the'antount ofthe sums =tired by this Security Instrument immediately before the. partial taking, destrtfiction, or.ldsa fq vuluo; unless Borrower alai Lender otherwise agree in writing, the sums secured by this Seettrity'lnstrement shall be reduced by the amount of the Miscellaneous Proceeds. multiplied by the tollowing 'fraction: (a) the total amount of the sums secured inunediately before the partial taking, (testr:uotion,'or loss in value divided by (b)tite:fttirmarket value of the Property immediately before the taking, destorotion, or loss in vain: Any balance shall be paid to Bon'oWer. in tinfevont of a partial taking destruction, of loss. lit value of the Property. in which the fait market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of. the sum /secured inunediately before the partial taking, destruction, or loss Mourne, unless BorroWer nod Loader otherwise agree in writing, the'Mlseellaneous Proceeds shall he applied to The sums sedated by this Security Instrument whether allot the suns aro than due. If the Property is abandoned by Borrower, cell; after notice by Lender to Borrower that the Opposing Party (as defined lathe Next sentence) offers to stake an award to. setile.a claim for damages, Borrower fails to respond 10 Lender Within 30:days alter the date thenotiee is given, Lender is atithorized to` collect and apply :the Miscellaneous Proceeds either to restoration or repair of the Property-or to the sums.iceured by this Security Instrument, whether or not then true,. "Opposing Patty" moans the third party otvbsBorrower Miscellaneous Proceeds or the party against whom Borrower has is rightof action In regard to Miscellaneous Proceeds, Borrower shall be; hi default if any action Or proceeding, whether civil or eriutinal,. Is begun that, itt Lender's ,judgment, could result In forfeituro of the ?roperty:or outer material. impairment of Lender's interest In the Property or rights Under this Security instrument, Borrower can cutesueh a default and, IfaOceieration has marred, reitstate as provided: in Seelion.1 9, by causing the:notion or proceeding to be dismissed with a ruling that in Lender's judgment, precludes forfeiture of the Property or other material irirpairment of Interest in the Property or rights trader this Scourity Instrument, The. proceeds ofanyitwatil ar eliint for damages that are attributable to the Impairment of Lender's. inicrost in the Property are horobyt assigned and shall be paid to'Lender, WYOMING- Single Family- Fannie MaelFreddle Mao UNIFORM INSTRUMENT with MERE Page S or114 •.i:;',1.0.; r4 t` '-'I Form 3051 1101 ILA i,a, g lta All Miscellaneous Proceeds that ore not applied to restoration or repulrof the Propertyshall be npplied filth() order provided for. in Section 2. 12. Borrower Not Released; Forbearance By Lcnder•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 ofHorrower:shall riot operate to release the liability' of Borrower or any Successors in Interest of Borrower. Lender shall not be required to oopmience proceedings' against'any Successor'in Interest. ol'Borrowcr or to refuse to extend time forpaymenl' or otherwise mbdtfy amartlzation cif the sums secured by this•Sectirity Instrument by reason of any demand made by the original Borrower or any Successors in Interest of.Borrowec.Any forbearanoo by Lender in exercising any right or remedy including, without limitation, Lender's acceptanoe.of paymonis from'third persons, entities or Successors in Interest of Borrower or in amounts less than the mount then due, shall not be a waiver of Cr preoludethe exercise of anyright or rowdy, 13. Joint grad Several Liability• Co- signers; Successors and Assigns Bound, Borrower covenants and agrees thatBorrawer's.obligadons'and liability shall be Joint and several. However, any Borrower who co-signs thts Security instrument but does not execute the *Note (a "co- signet" )r (a) is ao- signing this Security instrument only to Mortgage, grant and convey the co- signer's Interest 'In the. Property under tthe'terins of this Security Instrument; (b) is 'not personally, obligated to pay the suns secured by this Security lhstrument; and (c) agrees that Lender and .any other Borrower can agree to extend, modify, forbear or melte any aacommodtttions with regard 10 the terins ofthis Security', lnstrurnetit or the Note .without the co- signets consent. Subject to. the provisions of Section 18, any Soccessor itt interest of Borrower vrh0 assumes. Borrower's obligations under this Security instrument in writing, and is approved' by' Lender, shall obtain alt of Borrow er's'rights .end benefits tinder this Security Instrument. Borrower shall tio'tbo;releesed from Borrower's,obligations and liability underthis Security Instrument unless Lender agrees to such release fn writing. The oovenanfs and agreements ofthis Security instrument shall bind (except as'pravided In Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender tray °barge Borrower fees for services performed in yennectlon with Borrower's default,'forthe purpose of protesting Lender's Interest in the Property and rightkiindee'Titi;; Security Instr inent, including, but not limited to, attorneys' fees, property inspeotiott end valuation fees. In regard to any other fees, the 'absence bf express authority in this Security Instalment to. charge a apecifid fee to B'ortoWer shall not be.eonsti'tted as a prohibition on the charging.ofsuolt fee. Lender maynot charge fens that are oxpresslyprohibited by this Security Instrument or by Applicabto Law: If the Loan is subject to a late which sets tnaxlmum.loan charges, and that law is finally interpreted so that the interest teethe! local eliarges collected or lo be'collected in eonneotlon with the Loan exceed titer perniltted Iltnits, then: (tt) anysuett loan charge Shell be reduced by the amount nooessary to reduce:the charge to the porinittod limit; anti (b) flay sums already collected:fioni Borrower which exceeded permitted unfits wilt l,o reflmded to Borrower.'Lender may choose to make this refund by.reducingthe principal owed Under the Note_or by malting adirect paymonfto Borrower. if h refund reduces principal, the reduction will be treated usro. partial.prepayment without any prepayment charge' (whether or note prepayment charge is provided far taller the Note), Borrower's acceptance of .ally such retbnd made by direct payment to Borrower will constitute a waiver of any right or action Borrower might have arising out of such overchnrge. 15. Notices. All notices given by Borrower or Lender.ln connection with this Security instrument trust be in writing. Any notice to Borrower in connection With 'this Security Ins ()tunent shall be deemedto have been given to Borrower when mailed by first class mail 'or When actually delivered to B.orrower's notice address if sent by.odcr WYOMING- Single Family Fannie MaelFroddie.Mao UNIFORM INSTRUMENT with NIERS Form 3061 1101 Pavia of 14 q�tsry� IDS, file: means. Notice to may one Borrower shall constitute notice to all.Bbrrowera unless Applicable Law expressly requires otherwise. The:notice address shall bathe Property Address unless Borrower. has. designated a substitute notice address by notice-to Lender. Borrower shall promptly notify Lender of Borrower's change of address, If Leader specifies a procedure for reporting Borrower's change of address, then Borrower shall Only report a change of address through that specified procedure. There may bo.unly one designated notice address under this Security Instrument at any one time. Any notioe to Lender shall be given by delivering it or by mailing it by first class malfto Lender's address stated: herein unless Lender has dosignated another address by notice to Borrower, Any notice In connection with/his Security. Instrument .shall notbe deemed to have been given to Lender until actually received by Lender. if any notice required by this Security Instrutnont' is also required under Applicable Law, the Applicable Law requirement will Satisfy the corresponding requirement under this Security Instrument. 16. Governing Lnw; Severability;.Rules ofConstructian: This Seour(ty Instrument shall be governed by federal lew.end•the law ofthe jurisdiction in which the Property islooated. All rights and obligations contained in this Security Instrument, pre subject to any requirements• and limitations of Applicable Law, Applicable Law might explicitly or implicitly elloW the parties to agree by contract or it might be silent, taut such silende. Shall not be donstrbed as a prohibition against agreement by contract. In the event that any provision or clause of this SeeuTlty instrument or the Note conflicts with Applicable Law, such conflict shell not effeet other provisions of this Security 'Instrument or the Note oan be given effect tvithout prevision. As used in this Sedttrlty Instrument. (a) 'words of the masculine .gender shall mean and include corresponding neuter words or words of the feminine gettden.(b) words in the singular .shall mean and include the plural and vice versa; and (a) the word "may" gives sole discretion wititotit any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of' the Note and of this Security instrument. 18, Transfer ache Property ar a Beneficial interest in.Barrower, As used lit 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.fcr deed, eontradtfor deed, installment soles contract or escrow agreement, tlta Intent of which Is the transfer of title by Borrower at future date to a purchaser, If all or tiny partof the Property ornnylnterest In the Propertyis sold or transferred (or.ifBorrower in note natural person and ti benefieialinterest In Borrower Is sold or transfen•ed) without Lender's prior wtitterr consent, Lender may require immediate payment to full of all sums securedby Security Instrument. However, this option shall not be exerclsed by Lender 1'f such exercise is prohibited :by AppllcableLaw, If Lender exercises this option, Lender give Borrower notice of acceleration, The notice shall provide a period of net less than 10 days. Horn the date the notice:is given ht accordance with Section .igwithin wh19h Borrower Must pay ail sums secured by this Security Instrunrcnt.IfBarrower fail to pay those suns prior to the expiretiun of this perfect, 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 oonditions, Borrower shell have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of (a) five days before stile of the Properly pursuant 10 any power of sale contained in Utia Sedsrlty.instrument; (b) such• other period as rlpplieableLaw might speclfyfor'the termination cif Borrower s right to feinstate; or (o) entry of.aJudgment .enforcing this SeeunityTnstn,ment.Those eottdlttons are'tliat Borrowor; (a) pays Lender titans which then would be duo tender this SecurityTnstrument and the Note. as if no acceleration had occurred; (b). cures any default of any other covenants or agreements; (c) pays all expenses incurred h enforcing this. Security Instrument, including, but not WYOMING -Single Family Fennle Mae/Freddle Mao UNIFORM INSTRUMENT with MERS. Form 9061 1 Page it of 14 155, Inc, limited to, reasoitelrlo attorneys' foes, 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 notion as Lender may reasonably require to assure that Lender's interest in thc'P.rroperty and 'rights under this Seourity Instrument, and Borrower's obligation to pay. the stims secured by this Security ttistrunient, shall continue unchanged. Lender any require that Borrower paysuoh reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money 'order; (c) certified cheek, bank check, treasures checker cashier's cheek, provided any such.cltealt is drawn upon. an institution whose deposits are Insured by a federal agency, instrumentality, dr entity; or (d) Electronic Ponds Transfer. Upon reinstatement. by Borrower, this.SecurityItrstruinent 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 necelerntion under Section 18. 20. Sale of Note; Change of Loon Scrvicer; Notice of Grievance. The Note or a partial interest's i the Note (.together with thia.Seeprity Instrumcnt)'enn 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 Servtcer that collects Periodic Payments due under the Note and this Seourity Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law: Therealso might be one.or mare changes of the Loan Servieer unrelated to a sale of the Note. [fillet* Is a change of the"Loon'Servicer, Borrower Will be given writted notice of the change wit ioh will state the name and address of the new Loan Serylcer, the address .td Which payments should be made and any other information.RBSPA regt ires in coinnectign with a notice of transfer of servicing. lithe Note is sold and thereafter the Loan is serviced by a Load Servicer'other than the parbhaser.of the Note, the mortgage loan servicing obligations ro Borrower will remain with the Loan Servieer or be.transferred to.a successor Leah Servicer and are not assented by the Note purchaser *unless otherwise provided by the Note purchaser. Neiihur Borrower nor Lender may oommence, john, Cr be jdined to any jutlieial action (as either an individual litigant erne member of a class) that arises front the other party`s actions pursuant to this Security instrutnentor that alleges that the other partyhas breached any provision of, or any duiy'owed byreason of, this Security Instrument; until wit Borrower orLendcr has notified the other party(with such notice given in compliance with the requirements of Section l5) of such alleged breach and afforded the otherperty hereto a reasonable parsed after the giving of such notice to take corrective hbtion, If Applicable Law provides a tinee period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this.paragraph. The notice of acceleration and opportunity to cure given to Borrower ptdsitant to Stictiou 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed 're satisfy the notice and opportunity to take corrective action preYisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) Hazardous Substances!' are those substances defined as toxic or hazardous substances, pollutants, or wastes by BnVironnientai Law and the following substances: gasoline, kerosetne, other flammable or toxto petroleuin.produots, toxic pesticides end herbicides, volatile solvents, materials containing asbestos or•'forntaldehyde, and radioactive materials; (b) "Environmental Law" meats federitl laws and laws of the Jurisdiction where the.Property' Is located that relate to health, safety or environmental protection; co) "Enfiiotiniental Cleanup" includes any response notion, 'remedial notion, or removal action, tts defined in Envirorunegtnl Law;' and (d) an "Environmental Condition" means a condition that can cause, eontributc to, or .otberWlse trigger an Environmental Cleanup: Borrower shell not cause or permit the presence, use „disposal, storage, or release ofany'hinzardous Substances, or threaten to release any Iltizardous Substances, on or in the Property. Borrower shall not do nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Bnvironmental Law, (b) which orates. to. Environmental Condition, or. (o) which, due to the pretenee, use. or release of a Hazardous Substance, erentes a ;WYOMING Slagle Femlly Fannie MaelFraddle Mao UNIFORM INSTRUMENT with MERS Page .12.6t 14 IDS find r l y t <i �ii ::IitiL��r at. condition that adversely affects tho value of the Property. The preueding two sentences shall not apply to the presence, use, vi° storage on the Property of small quantities of Hazardous Substances lint are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not lhniicd to hazardous substances n consumer products). Borrower shell promptly give Lender 'Written notice of (a) any inyost gation, cla'iiu, demand, lawsuit or other action by any govui'nnientrtl or regulatory"agency or private part y'invelving'tho Property and any Hitzardotis Substance or Environmental Law of'which Borrower has actual knowledge,. (b) any Environmental Condition, including but not limited to any spilling, leaking, discharge, release or threat ofrelease of any hlazardous Substance, and (c) any condition caused by the presence, use or release ofa Ilazardotis.Substance which adversely affects the value of the Property. If Borrower lea us,.or is notified by any governmental or regulatory ngthothy,''or itny private patty, that any removal or other retnediatian of.anyHazerdous Substance affecting the Property is necessary, .Burrower shall promptly take. all necessary remedial actions In aneerdance withEnvironmental Law. Nothing herein shall vreate any obligation on Lender for an BnVirenmental Cleanup. NON -UNIPORM COVENANTS. Borrowor and Lender neither covenant and agree no fotIowsr 22. Acceleration; Remedies. Lender shell give 'notice to Burrower prior to acceleration 'following Borrower's breach of any cove» not ar agreement In this Sectrity Instrument (bat not prior to Acceleration under Section 18 unless Applicable Law'provides otttoriyise), The notice shall specify: (n) the defrudt;'(It) the adder required to cure the default; (c) n date, not less than 30 days from 'the date the notice Is given to Borrower, by which the default must ha cured; and (d) that failure to curo tha default on or before tho dote specified in the suttee may result In acceleration of the sums secured. by this Security Inatrnmont and solo of the Property, The notice shall further Inform Borrower of the. right to reinstate' after acceleration »nd the.rightto tiring a court action to assert the non- exIstenee.of a default or any bther'defense ofBorrower to Acceleration and sale, If the default is not cured on or before the data Specified in'thenotice, Leader at Its option may require Immediate payment in fail ofall.sums. secbt'ed by this Security Instrument without fnrtberdemand .and may 'invoke the power of sale and any ether remedies. permitted by Applicable Lniv. Lender shall be entitled to collect all expenses Incurred in.jiursuing the rentedfes.pro\ided in this Section 22,1neluding, but notllmited to, reasonable utterneys' tees and costs ethic evidence. If Lander Invokes the power ofsalo,,L•onder shall give notice of Intent to foreclose to Borrower and to the person in possession of the Property, if different, In aeeordaneo with Applicable Law: Lender shall give notice of the sole to Borrower in the manner provided in Section 15..Lendershall 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 Properly at any sale. Tine proceed's of tho.snle shall be applied In the following order: (a) to all expenses of the sale,. Including, but not. limited llo, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person dr persons.legally entitled to'lt. 23..Relense. Upon payment of all suns secured by this Smithy Instrument, Lender shall release this Security htstruptept, Borrower shalt pay any recordation costs. bender may charge lorrower a fee for releasing this Security Instrument, but only iflhefee is paid to a third party for services rendered and the ehargingof the foe is permitted under Applicable Law, 24. Waivers. .Borrower releases and wel'vcs. all rights under and by virtue oflhe homestead exemption laws of Wyoming, WYOMINQ..SIngle Family Fannie MaelFreddle Mac UNIFORM INSTRUMENT with MERE. Form 3081'1/01 P800136114 'rcS, W: •_,.'�h .lA d,u:�Qll l�l BY STONING BELOW; Borrower adocpts. and agrees to.'the terms and covonants contnined.'in this Security Instrument and In any Rider executed by Borrower and recorded with it. Witnesses: A L` State oft YOKING County of L I nco I n Borrower Witness (Seal) Borrower This instrument eras acitnotvlodged before me on 0 e(t° VY heo(' t 1 I c 44_ by Patrick Zuleger, sa+,w, o os, wara,o�,., �a�'" 1 VICKI &lk JN NOTARY PUBLIC l G /�/�Un1n�i1� County of 0 S( B4t? Of (SIgnature of notarial officer) Lincoln l ,:r Wyoming 17 �O ct?/ MY COMMISSION EXPIRES: 26 Dec, 2016 Tide (and. Rank) .4tD4J..0 K,"0WW:rcr'W. OY ..LM My commission expires: I a a Eo ao t Loan originator (organization): Bank of: Jaekson Hole; NMLS lit 421629 Loan originator (individual.): Thomas Mark,lyliekolson; NMLS 11: 707798. WYOMING Family Fannie Mae /Freddle.Mao UNIFORM INSTRUMENT with MERS Form 3051 1101 'Page 14vt14 IDS; fro.. LEGAL DESCRIPTION 7 Lot 71 of Star Valley Ranch Plat 3, Lincoln County, Wyoming as described on the official plat filed on March 3, 1971 as Instrument No. 428885 of the records of the Lincoln County Clerk