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HomeMy WebLinkAbout898911 REOE IVED LINOOLN COUr,tTY CLERK 89891 noo : ,-' 3_ .p ,,. ,.,,.: 826 State of Wyoming Ab~v~ This Line Pot Re~ord~g Data] MORTGAGE THIS MORTGAGE ("Security Instrument") is given on JOnIL 26, 2004 The Mortgagor is ~I~TOPH~R J BRYLIN~KI AND ~ZLAR¥ C ~RYLINSKI, H~$~A~D AND WIFR AND ROBERT C GRIFPITR, A SIN~LR P~RSON ("Borrowor"). This Security ln.~trurnent is given to f~LL~ FARGO RO~ I~RTC~a~, which is orgaai2~d and existing trader thc laWs of T~ STATE O1~' C~/FO~A ,'~d whoseaddressisP.O. BOX 10304, B~S ~X~S, IA 503060304 O~ ~R~D FOR~ 8~ THOUS~ YI~ ~ S~X~ gIO~ ~ 00/100 Doll.s (U.S~ $~**'**~*'147,568.00 ). ~iS d~b~ iS evld~ by ~wer's note ~ .~e s~ date ~ ~is ~c~W Ins[~om ("Note"), which Provid~ for momhly pa~cms, wilh ~e ~[I deb~, if noi p~d ~licr. due ~d pay~le on ~Y 01, 2034 . ~ls S~uN~ I~m ~urvs to ~nder: (a) ~e r~pay~n[ of ~e ~b~ evidenc~ by thc Note, with ~l. ~d ~1 ~n~s, extensions ~d m~ificadons of wilh int~t, adv~ccd under para~aph 7 to pro~t 0040632002 827 of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower ind°esL'rl, tCoL~hereby mortgage, grant and convey to the Lender with power of sale. the following de.~c'ribed property located County, Wyoming: LOT 170 0P' THE NORDIC RANCHE~ DIVISION NO. 12, LINCOLN COUNTY, WYOMIN(~ AS DgSCRIBI~D ON THIg OFFICIAL PLAT THEREOF. 'TAX STATEMEh"I'S SROULD 1sE $1gl~rl' TO= WELr. S ~'ARGO NOM~ MORT(;AQE, P.O. BOX 10304, DIgS MOI1FRS, IA 503060304 which has the address of 577 LARIAT DRIVE, ETNA IS=eel. CityJ. Wyoming 83118 IZip Cod~] ('Property Address'); T~ETHER WITH ~1 ~e improv~on~ now or here~ ere~ on ~e propo~, ~d appuaen~ces ~d fixt~ now or hereafter a pan of ~e pro~. All r~lac~ts ~d Mditions shgl ~wr~ by ~ls ~fity Instant. ~1 of the foregoing is referr~ to ~ als ~u~ty I~tmment ~ BORROWER COVENANTS ~at Borrower is lawMly seiz~ of the ~ate hereby ~nvey~ ~a h= ~gage, gr~t ~d convey ~e ~y ~d that ~g Propc~ is ~cum~r~, except for ~cumbr~s of r~ord. ~ower w~ts ~ will def~d 8~crally ~e titl~ to ~e Pro~rty aganst ~1 cl~ ~d de--ds, subj~t to ~y en~mbr~ of r~o~. THIS SECU~TY INS~UMENT combines ~itb~ corena for nation~ ~ ~d non-unifo~ ~v~ts wi~ li~t~ v~ations by jurisdiction to ~tlmte a uniform ~uri~ ~t~ment ~vefing rea prepay. Bo~ower ~d ~nder ~van~t ~d agr~ ~ follows: · UNIFORM COVENANTS. 1, Pa~t of ~pal, ~t~t and Late Charge. Bo~ower sh~l pay wh~ due ~e p~cip~ of, ~d inter~ on, ~e debt evidenced by tho Note ~d late ~arges due under ~ Note. 2. Mont~y Pa~eat et Tax~, ~ance and Othg C~g~, Borrower sh~l include In e~h moa~ly payment, toge~er wi~ ~e pfincip~ ~d interest ~ ~t fo~ in ~e Nbte ~d ~y Igc chases, a sum for (a) ~1~ ~s~s~nts l~vi~ or to be levied ag~nst the Prepay, ~) le~ehold payments or gm~d Prope~, ~d (c) pr~u~ for tnsuranc~ r~uir~ under p~graph 4. In ~y y~ ia which ~o ~ndg must pay a ~ngge imut~ pre~ to the 8~reta~ of Housing ~d Urb~ Devdopment (~rg~'), or ~ ~y year in whi~ such presto would have b~n requited if ~nd,r still held ~ S~y ~t~t, ~ch ~n~y pa~ent shill ~so ~clude eider: (i) a sm for ~e ~ ~gage insur~ce pre.urn ~o ~ pMd by ~nder to ~e S~mt~, or 0i) a mon~iy ch~ge instead of a mortgage ~ur~ce pr~ if ~is ~u~ty ~m~t Is held by ~ a r~onable ~o~t to be dete~ by ~e ~r~t~. Except for ~e money ~argg by ~e ite~ ~e ~1~ "Escrow It~" ~d ~e su~ p~d. to Lc~r ~e c~led 'Escrow Funds.' L~d,r ~y, at ~y t~e, coll~t ~d hold amours for' Egrow h~ ~ ~ ag~gate ~oant not to ~imm ~ount ~at may be r~uired for Bo~ower's ~crow a~o~t under ~e Real Estate S, ttle~nt ~edur~ Act of 1974, 12 U.S.C. ~tion 260~ a seq. ~d implanting regul~ions, 24 CFR Pan 35~, ~nd~ i~om tl~ to time ("RESPA"), exert ~at ~e cushion or r~e~e ~ed by RESPA for ~ticipat~ dtsbursomen~ or disbarments before ~e Bo~ower's pay~nts ~e av~l~lg ~ ~e ~unt my not be b~ ~ts du~ for ~c mortgage i~u~ce pr~iam. If the amounts bcld by Lender for Escrow Items exceixi the amotmts permitted to b~ held by RESPA. Lender shall account to Borrower for thc excess funds as required by RESPA., If the mnounts of funds held by I~nd~r at any tin~ are not sufficient to pay the Escrow Iterm when due, Lender may notify the Borrower and require Borrower to make up tho shortage as l~rmirted by RE~PA. The E~crow Funds are pledged as additional security for all sums secured by ~his SecuriPy Instrument. If Borrower tenders to Lender the full payment of all such sums. Borrower's account shall be credited with the balance remaining for all inStaJlment items (a), (b). and (c) Md any mortgage insuranc~ premium inslallment that L~nder has not become obligated to pay to. the Secret~y, ami Lender shall promptly refund any excess Jbnds to Borrower. Immediately prior to a foreclosure sale of the Property or ils acquisition by Lender, BOrrower's account shah bc credited with any b~lance remaining for ldl installments for itcm~ (a), (b), and (c). 3. Application of payments. All payments under paragraphs 1 and 2 shall be ~plied by Lender as follows: Fi_~, to thc mortgage im'urance premium to be paid by Leader to thc Secretary or to Iht; monthly charge by thc Secretary instead of the monthly mortgage insurance premium; '~9~[, to any taxes, special ~sessment,% leasehold payments or ground rents, and ['ire, flood and other hazard insurance prcmiurm, ~ requh'ed; ~__~d, to interest due under the Note: o~9.9.~, to ~mortiz~tion of the principal of the Note: and '- .FiSh, to late charg~ due ~mder the Note. 4. Fire, Flood mid Other Hazard ]nauranee, Borrower shat! insure all improvements on the Property, whether nov/in existence or subsequently erected, against any l~*~'~rds, casuahics, and comiagencies, including fire, for which Lender rcquire~ insurance. This Insurance shall bc maintained in the amo~n~ and for thc periods that Lender reqtlires. Borrower shall also insure all improvements on the Property. whether now in cxistcnc~ or subsequently erected, against los~ by Hoods tO the extent required by the Secrctm'y. All insurance shall be carried with companies approved by Lender. The insurance policies and any renewals ~alI be held by Lender and shall include loss payable clau~ in favor of, and in a form acceptable ~o, Lender. In th~ event of ]o~, Borrower shall give Lender immediate notice by mail. Lender may make proof of loss if no~ mad~ promptly by Borrower. Each insuran~ company concerned is hereby authorized and directed lo make paymen! for s~eh loss directly to Lender, imtead of to Borrower and to Lender jointly. All or any part of the lnsuran~ proceeds may be applied by Lender, at its option, either (a) to the reduction of the indebtedness under thc Note aud this ~curlty Instrument, first to any delinquent amotmts applied in t~o order in paragraph 3, and then to prepayment of principal, or ~b) to the restoration or repair of'the d~rnaged ProperS. Any application of the proceeds to thc principal shall not extend or postpone thc duc date of the monthly payments which are referred to m paragraph 2, or change the amount of such paymcnu. Any excess in~uranc, o proceeds over an amount reqUired to pay all outstanding indebtedness under the Note and this Security Instrument shall be paid to thc entity legally c'ntitied thereto. In the event of foreclosure of this Security Instrurr~nt or ocher transfer of lille to thc Property that extinguishes the indebtedness, all right, title and interest of Borrower in and to insurance policies in force shall p~s to the purchaser. ~. Occupan~cy, PreservatiOn, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and ~e th~ Property as Borrower's principal residence within sixty days after the execution of this Security Instrument (or within sixty days of a later ~ale or' transfer of the Property) and shall continue to o~upy the Property as Borrower's principal residence for at least one y~ar after the da~e of occupancy, unless Lender determines that requirement ~ill cansc undue hardship for Borrower, or unless extenuating circumstances exist which m'e beyond Borrower's control. Borrower shall notify L~ndcr of any exlenualing circumstance~. Borrower shall not commit waste or destroy, damage or substantially change the Property or allow thc Property to deteriorate, reasonable wear and tear excepted. Lender may inspect the Property if thc Property iS vacant or abandoned or the loan is in dcfanit. Lender m~y take reasonable action to protect and preserve such vacant or abandon~ Property. Borrower shall also be in default if Borrower, during tho loan application process, gave materially false or Inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on leasehold. Borrower shall comply with the provisions of the lease. If Borrower acquire~ f~ title to the Property, the leasehold and fe~ title shall not be merged unless Lender.agrees to the merger in writing. 6. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in place of condemnation, are hereby assigned and shall be paid to Lender to the extent of the full amount of the indebtedness that remains unpaid under the Note and tl~s Securl~ lnstrum~t. Leader shall apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrament, first to any delinquent amounts applied in the order provided in paragraph 3, and then to prepayment of principal. Any application of the proceeds to the principal shall not extend or postpone th~ duc dam of thc monthly', payments, which are referred tt~ in paragraph 2, or change the amount of such payments. Any excess proceeds over aa amount required to pay all outstanding indebtedness under the Note and this S0curity Instrument shall be paid to the entity legally entitled thereto. 7. Charges to Borrower and Protection of I~nder's Rights in the Prepay. Borrower shall pay all goventmen~ or municipal charges, fines and impositions that are not included in paragraph 2. Borrower shall pay these obligations oa time dir~tiy to the entity which is owed the payment. If failure to pay would adversely affect Lender's interest in the Prop,~ty, upon Lender's request Borrower shall promptly furnish Io l.~nder rec, ip~s evidencing these payments. If Borrower fails to make thee payments or the payments required by paragraph 2, or fails m perform any other covenants and agreements contained in this Security Instmmem, or there is a legal proceeding that may significantly affect Lender's fights in the Property (such as a preceding in bankruptcy, for condenmation or to enforce laws or regulations), th~ Lender may do and pay whatever is necessary to protect the value of the Prolx:rty and Lender's Hghts in the Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2. Any amounts disbursed by secured by this Security Instrument. These amounts shall bear interest from the dat~ of disburs,~ment, at Ih~ Note rate, and at the option of L~nder, shall be immediately due and payable. Borrower shall promptly discharge any lien which has priority over this Security InsLmn~nt unless BorrOwer: (a) ogres in writing to the paymt~nt of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good faith the lien by, or defends against enforcement of the lien in, Itsgal proceedings which in the Lender's opinion operate to prevent, the enforcement of the lien: 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 may attain priority over this S~curity Instrument, Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take aaa ar more of the actions scl forth above within 10 days of the giving of notice. $, Fees. Leader may coll~ct fees sad charges authorized by the Secretary. 9, Grounds for Acceleration of Debt. (a) .Default, Lender may, except as limited by regulations Issued by the $ocrgtary, in the case of payment defaults, require immediate payment in full of all sums secured bY this Security Instrumem if: (i) Borrower defaults by failing to pay in full any mnnthly payment required by this $~'urity Insiru~nt prior to or on the due date of the next monthly payment, or (ii) Borrower defaults by falling, tbr a period of thirty days, to perform any other obligations contained in this Security Inset. (b) Sale Without Credit Approval. Lender shall, if permitted by applicable law (including S~ction 341(d) of the Gem-St. German Depository Institutions Act of 1982, 12 U.S.C. 1701J-3(d)) and with the prior approval of the Secretary, require immediate payment in full of all sums secured by this Security Instrument if: 829 Initials:, C~ 8 '30 (i) All or part of thc Prol~rty, or a beneficial inter~t in a trust owning all or part of the Property, is sold or otherwise transferred (other than by devise or descent), and (ii) The ~openy is not occupied by the purchaser or grantee as his or her pi'im:lpal residence, or the purchaser or grantee do~s so occupy the Property but his or her credit has not been approved in aaeordane~ with the requirements of the $~r~tary. (c} No Waiver. It' circumstances occur that would pm:nit Lender to require immediate payment in full, but L~nder does not r~uire such payments, Leader do~s not waive Its rights with respect to subsequent events. (d) Regulations off I~[YD Secr~aary. In many circumstances regulations is,m~ by the S~:retary will limit Lender's fights, in the case of payment d~faults, to r~ulre immediate payment in full and fora:lose if not paid. This $~eurity Instrument does not authoriz~ acceleration or infix:Insure if not l~rmitted by regulations of th~ Se~re~ry. (e) Mortgage Not Insured. Borrower agrees that If this Security Instrument and the Note are not dcterminccl to be eligible for insurance t~der the National Housing Act within 60 days from the date hereof, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. A written statement of any authorized agem of the Secretary dated subsequent to 60 days from the date hereof, declining to insure this Seeuxity Instrument and the Note, shall bo deemed conclusive proof of such ineligibility. Notwithstanding the foregoing, this option may not be exercised by Lender when th~ tmavallabillty of insurance is solely due to Lender's failure to remit a mortgage insurance premium to the ~ Secretary. 10, Reinstatement. Borrower has a right to be reinstated if Lender has requited immediat~ payment in full because of Borrower's failure to pay an amount duc under the Note or this Security Instrument. This fight applies even after foreclosure proceedings arc instituted. To reinstate the Security Instrument. Borrower shall tender in a lump sum all amounts required to bring Borrower's account current including, to thc extent they arc oblig~ons of Borrower undex this Security Instrument, foreclosur~ costs and reasonable and customary attorneys' fees and expenses properly associated with the foreclosure proceed!ag. Upon reinstatement by Borrower. this Security Instrument and tho obligations that It secttres shall remain in effect as if Lender had not required immediate payment in full. However, Lender is not required to permit reinstatement if: ([) Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediately preceding the commeneemem of a current fore. closure proceeding, (11) reinstatement will preclude foreclosure on different grounds ia the future, or (lid reinstatement Will adversely affect the priority of the lien created by this Security Instrument. I1. Borrower Not Released; Forbearance By Lender Not n Waiver. Extension of the time of payment or modification of amortization of the sums secured by this 5ecurity Instrument granted by Lender to any suece.ssor in interest of Borrower shall not operate to release the liability of the orighud Borrower or Borrower's successor in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to cxtead time for payment or otherwise'madi~ amortization of thc sums secured by this security lnstrurff~m by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender ia exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound; .)'oint and Several Liability; Co-~igner~. The covenants and agreernems of this Security Instrument shall bind and benefit the stw.~essors and assigns of Lender.and Borrower, subject to the provisions of paragraph 9(b). Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note: (a) is co-signing this Security Instrument only to me,gage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) Is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any oth~r Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. :!;: :,::' : · .13. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class marl unless applicable law requires use of another.method. The notice shall bc directed Ia the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated here~n or any atltlress Lender designates by notice to Borrower. Any notice provided for in this Security Instrumem shall be deemed to have been given to Borrower or Lender when given as provided in thls paragraph. 14. Governing Law; Severability. This Security Instrument shill be governed by Federal law and the law of the jurisdiction.in wkich the Property is located. In the event that any provision or clause of thN Security Ir~tmment or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, To this end the provisions of this Security Instrument and the Note are declared io be severable. 18. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument, 16, Hazardous Sub~,'tancea~ Borrower shall not cause or pennit the presence, use, dia'posal, storage, or release of any Hazardous Substance~ on or in the Propexty. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law, The preceding two sentences.~all not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substanc~ that are generally reeoglalzecl to be appropriate to norn'utl residential uses and to mainlenance of the Property. Borrower shall promptly give Lender written notic~ of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private patty involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Haz.z_rdous Substances afl.'ting the Property Is necessary, Borrower shall promptly take all neee.~sa~ remedial aetio~ in aecor4znce with Environmental ]Law. As used in this paragraph 16, "l-Iazatdou.s Substances" ate those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile golvents, materials containing asbextos or formaldehyde, and ra~oacflve materials. As used in this paragraph 16, "Envh'onmental Law" means federal laws and iaws of the jurisdiction where the Property is located that relate to health, satbty or environmental protection. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agre~ as tbllows: 17. Assi.vnment of Rents. Borrower unconditionally assigns and transfer, to Lender all the rents and revenues of the Property. Borrower authorizes Lender or Lender's agents to collect the rents and revenue, and hereby directs each tenant of the Property to pay the rents to Lender or Lender's agents. However. prior to 'Lender's noti~ tO Borrower of Borrower's breach of any cov¢'nant or agreement in the Security Instnnnent, Borrower shall collect and r0c~ivO all rents and revenues of ~he' Property as trustee for the benefit of Lender and Borrower. This assignment of rents constitutes an abmlute assigmment and not an assigmment for additional security only. It' Lender gives notice of breach to Borrower: (a) all rents received by Borrower shall be held by Borrower as trastee for benefit of Lender only, to be applied to the sums secured by the Security Instrun~nt; (b) Lender shall be entitled to COllect and receive all of the rents of the Property; and (c) each tenant of the Property shall pay all rents due and unpaid to Lender or Lender's 'agent on Lender's written demand to the tenant. Borrower has not executed any prior assigmment of the rents and has not and will not perform any act that would prevent Lender f¥om exorcising its rights under this paragraph 17. Lender shall not be requited to enter upon, take control of or maintain tho Property before or after giving notice of breach to Borrower. However, Lender Or a judicially appoint~ receiver may do so at any time there is a breach. Any application of rents shall not cure or waive any default or invalidate any other right or remedy of Lender. This assignment of rents of the Property shall terminate when the debt secured by the Security Instrument is paid in full. 832 18, Foreclosure Procedure. If Lender requires Immediate payment In fuil under paragraph 9, Lender may invoke the power of sale and any other remedies permitted by applicable law. Lender ~hall be entitlefl to coll~.-t all expenses incurred h~ pursuing the remedies provided in this paragraph 18, including, but not limited to, reasonable aRorneys' 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 po~se~ioa of the Property, if different, in accordance with applicable law. Lender shall give notice of the sale m Borrower in the man,er provided in paragraph 13. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by applicable law. Leader or its d~lgnee may purchase the Property at any sale. The proc~ds of the sale shall be applied in the following order: (a) lo all expen.~ of the sale, including, but not limited to, reasonable attorneys' fees; 0a) to all lalms secured by this Security Instrument; and (e) any excess to the person or persons legally entitled to it. If the Lender's interest in this Security Instrument i~ hdd by thc S~rctary and the Szcr~ary requires immediate payment in full under Paragraph 9, the Secretary may invoke the nonjudicial power of sale provided in the Single Family Mortgage Foreclosure Act of 1994 ("Act") (12 U.q.C. 3751 et seq.) by requesting a foreclosure commi~ioner designated under the Act to commence foreclosure and to ~11 the Property a~ provided In the Aa. Noth~g In the precedIng sentence shall deprive the Secretary of any rights otherwise available to a Lender under lh~ Paragraph 18 or applicable law. 19. Release, Upon payment of all sums secured by this Security Instmrn~t. Lender shall release this Security Instrument without charge to Borrower. Borrower shall pay a~y recordation cosu. 20. Waivers. Borrower waives all rights of homcztcad ex.option in the Property and relinquishes all rights of curtezy and dower in the Propeny. 21. Riders to this Security Instrument. If one or more riders are executed by Borrower and r~ordod wgeth~r with this Security Insmunent, the covenants of each such rider shall b~ incorporated into and shall amend and supplement the covenants and agr~mcnt$ of this Security Instrument aa if thc rider(s) were a part of this Security InstEll{nont, [CheCk applicable box(es)]. II CondomiM~,n Rider [--] .Growing.Equity Rider ~--~ Other [specify] ~--] Planned Unit Development RiderL~ Oraduated'Payrnen~ Rider ARM RIDBR InMal~: BY SIGNING BELOW, Borrower accept,, any rider(s) executed by Borrower and Wimess~: and agrees to the ten ~ith it. 833 ~s containc~ i~ this S~curity I~trum~nt and in iBotrowcr STATE OF WYOMING, t,'rzccOz,l¢ The foregoing instrument waS acknowl~$~d before n~ by CHRISTOPHER J BRYLINSK% AND M HIS ATTORNEY IN FACT HILAR~ My Commission Expires: ' ' PUBLIC JILL H i~RSON NOT, a.~"~'~ I OOU~rfOF ~ 'ST/~EOF l IJNOOLN WYOMi~ ~~~___ ~Y OOMMISSION ~PIRES JUNE ~, 2007 this APl LARY C BRYLINSI C. BRYLINSKI (l~rson acknowledging) , .Borrower County ,IL 26TH, 2004 (~) .I AND R0~ERT C GRIFFITH BY 1 0040632002 834 MANUFACTURED HOME RIDER TO THE MORTGAGE/DEED OF TRUST/SECURITY DEED This Rider Is made [his ~RIT. 36, 3004 , and is incorporated Into and amends and supplements the Mortgage/Deed of Trust/Security Deed (the "Security Instrument") of the same date, given by the undersigned (the "Borrower") to secure Borrower's Note to WELLS FAR~O IlOK~ MO~T~., INC. (the "Lender") of the ~ame date (the "Note") and covering the Property described In the Security Instrument and located at: 5?? LARIAT DRIVE, ETNA, WY 83118 (ptapatv/Aadress) Borrower and Lender agree that the Security Instrument is amended and supplemented to read as follows: A. The Property covered by the Security InStrument (referred to as "Property" In the Security Instrument) includes, but is not limited to, the Manufactured Home (Serial Number, if required, ***. .) affixed to the property legally described in the Security Instrument. *** 201456 & 201457, NA$IIUA, F,_-~¥ACTU~D 4/29/02 LABEL NO NNID-39745 AD5228 3DFLR 800 B. Additional Covenants of Borrower 1. Borrower wilt oomply with all state and local laws and regulations regarding the affixation of the Manufactured Home to the property described in the SacurIw Instrument InclUding, but not limited to, surrendering the Certificate of Title (if required) and obtaining the requisite governmental approval and accompanying documentation necessary to classify the Manufactured Home as real property under state and local law. 2. The Manufactured Home described above will be, at all times and for all purposes, Permanently affixed to and part of the property described In the Security Instrument. 3. Affixing the Manufactured Home to The property described'in the Security Instrument does not violate any zoning laws or other local requirements applicable to manufactured homes. NMFL ~3322 03/01 83,5 By signing below, Borrower accepts and agrees %0 the terms and covenants contained in this Manufactured Home Rider. (Seal) -Borrower -Bom~wcr (S~al) -Borrowor -I~)rrower -~r~ower STAT~, OF ]SS. COUNTY OF LINCOLN I, the undersigned Notary Public, in and for the aforesaid State and County, do hereby certify that C]~RISTOPH~R J BRYLINSKI A.ND HILARY O BRYLINSKI AND ROMX~T C eRIFFITH Borrower(s), personally appeared before me in said County and acknowledged the within instrument to be their act and deed. Given under my hand and seal this 263'~ day of My oommisslon expires: (~' ~'~ 0 - c~ ~-) Notary Public NMFL//3322 03/01 P~ge 2 of 2