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HomeMy WebLinkAbout90006330640 (01) 900063 RECE VED LINCOLN COUNTY CLERK Oq JUN !1 . ,HIO: 32 After Recording Remm To: FIRST BANK OF IDAHO, FSB D/B/A FIRST BANK OF THE'SETONS P.O BOX 12860 JACKSON, WY 83002 d }Space Above This Line For Recording Data] SMITH MORTGAGE ~o~ #: 494o123vo MIN: 100174102000012445 PIN #: 36192210101200 DEFINITIONS Words used in multiple sections o:' [tis document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules re~ arding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument" mean., this document, which is dated JUNE 4, 2004 together with all Riders to this docnment. (B) "Borrower"is GEORGE ~ODD SMITH AND ABBEY LEE SMITH, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETIES Borrower is the mortgagor under tl is Security Instrument. (C) "MERS" is Mortgage Electronic Regisn'ation Systems, Inc. MERS is a separate cmporation that is acting solely as a nominee for Lender ant. Iender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (D) "Lender" is FIRST BANK :3}' IDAHO, WYOMING - Single Family- Fannie h'la.'dlh'eddie DOC U KWY I DOCUKWY1. VT¥ 10/17/2002 FSB, DBA FIRST BANK OF THE TETONS organized and existing under the . Lender's address is P.O.BOX 128~0 / Lender is a CORPORATION laws of IDAHO 170 E BROADWAY' JACKSON, W.t 83002 (E) "Note" means the promissory role signed by Borrower and dated ffUlq'E 4, 2004 The Note states that Borrower owe(. Lender TWO I-I-tlNDRED SIXTY-SEVEN TSIODSA_N-D FIVE HI/NDRED AND 00/100 Dollars (U.S. $ 267,500.00 ) plos interest. Borrower has promised to pay this debt in regular Periodic Payments ant, to pay the debt in fidl not later than ,.,wjLy 1, 2034 (F) "Property" means the prope~D' that is described below under the heading "Transfer of Rights in the Property." (G) "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. Mac UNIFORM INSTRUMENT Form 3051 1/01 (Page I of 13 pages) 0:9000;58 ,-. . 48 9 494012370 (H) "Riders" means all Riders to ~hi'~s Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: [] Adjustable Rate Rider [] Balloon Rider [] 1-4 Fanffly Rider [] Condominium Rider ['~ Planned Unit Development Rider [i~] Other(s) [specify] [] Second Home Rider [] Biweekly Payment Rider (I~ "Applicable Law" means all csn}rolling applicable federal, state and local statutes, regulations, ordinances and adnfinistrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Feeg, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower Or l'he Property by a condominium association, homeowners association or similar organization. , (K) "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 temfinal, telephonic instrnment, computer, or magnetic tape so as to order, instr.m;, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, poi_~t-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and autor na!~ed clearinghouse n'ansfers. (L) "Escrow Items" means those i:ems that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance pro¢:;eeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) ceadenmation or other taking of all or any part of the Properly; (iii) conveyance in lieu of condemnation; or (iv) nfisreimsentations of, or omissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" means i~surance protecting Lender against the nonpayment of, or default on, the Loan. (O) ,Periodic Payment" means the regularly scheduled amount due for (0 principal and interest under the Note, plus (ii) any amounts under Sectior. 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. {}2601 et seq.) dud its implementing regulation, Regulation X (24 C.F.k. '.:?art 3500), as they might be amended from time to time, or any additional or successor legislation or regulation taat governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requiremepts and restrictions that are in,posed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest of Bmr'rower'' means any party that has takeu 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 Tiffs Security Instrument secures to Lender: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii]. the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this propose, Borrower does hereby mortgage, grant and convey to MERS (solely as nominee for Lender and Lender's suc:cssors and assigns) and to the successors and assigns of MERS, and Lender's successors and assigns, with power of sale, the following described property located in the COUNTY of LINCOLN (Type of Recording Jurisdiction) (Name of Recording Jurisdiction) · LOT 9 OF ASPEN HILL SUBI'IVlSION, BEING PART OF THE NORTH HALF OF SECTION 22, T36N Rll9W, 6:?H P.M., WYOMING, ACCORDING TO THE PLAT THEREOF AS RECORDED IN 9HE OFFICE OF THE COUNTY CLERK AND EX-OFFICIO REGISTER OF f~EL'DS OF LINCOLN COUNTY, WYOMING. which currently has the address of ~ 202 ASPEN HILL DRIVE ETNA ,Wyoming 8 3 1 1 8 [City] [Zip Code] WYOMING - Single Family - Fannie Ma.~F 'eddie Mac UNIFORM INSTRUMENT DOCUKWY2 DOCUKW~2 .VTX 10/17/2002 (Page 2 of l3 pages) [Street] ("Property Address"). Form 3051 1/01 o , ooocaa4 ':3 0 494012370 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now m h~:reafter a part of the property. All replacements and additions shall also be covered by this Security Instrumeni. All of the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees thafMERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necesszry !to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the rig~lt: Io exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, bill llot limited to, releasing and canceling this Security Instmmcn :. BOtLROWER COVENANTig that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and conw-y lhe Property and that the Proper{), is unencmnbered, except for encumbrances of record. Borrower warrants and. will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INS~I"RI)MENT combines uniform covenants for natioual use and non-mfifonn covenants with limited variations by jurisdiction to constitute a uniform security instrnment Covering real property. UNIFORM COVENANTS' Borrower and Lender covenant and agree as follows: 1. Payment of Principal, h~terest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal 0f, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under the Not~. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due nnder the Note and this Security Instrument shall be made iii U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instmn~ent is returned to Lender unpaid, Lender may require that ary or. all subsequent payments due under the Note and this Security hlstrument be made 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 drawu upon an institution whose deposits are insured bY a federal aE:ency, instrumentality, or entity; or (d) Electronic Funds Transfer. Payments are deemed rec;eived by Leuder when received at the loca'tion designated iii the Note or at such other location as may be designated by Lender in accordance with the notice provisious in Section 15. Lender may return any payment or partial paymen~ if the payment or partial pay~nents are insufficient to bring the Loan current. Lender may accept any payment or [artial payment insufficient to bring the Loan current, without waiver, of any rights hereunder or prejudice to its.rights to refuse such payment or partial payments in the furore, 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 Lendz'r need not pay interest on unapplied funds. Lender may hold such unapplied funds until Bon'ower makes payment, to bring the Loan cun-ent. If Bm-rower does not do so within a reasonable period of time, Lender shall either ap',9ly such funds or return them to Borrower. If not applied earlier,_ such funds will be applied to the outstanding.principal balance under the Note inunediately prior to foreclosure. No offset or claim which Borrower might haxe now or in the future against Lender shall relieve Borrower fi'om making payments due tinder the Note and ',his Security Instrument or performing the covenants and agreements secured by this Security Insn'ument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied iii the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (ti:) amounts due under Section 3. Such palnnents shall be applied to each Periodic Payment in the order in which it became due. Any remaining amouuts shall be applied first to late charges, second to any other amoonts 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"s outstanding, Lender nmy apply any payment received from Borrower to the repayment of the Periodic Paymen s i:!; and to the extent that, each payment can be paid in full. To the extent that any excess exists after the paymert is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges .tue. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. WYOMING 7 Single Family - Fannie Ma PFr'eddie Mac UNIFORM INSTRUMENT DOCUKWY3 (Page 3 o fl3 pages) DOCIIiOiY~, '~X~ .. 10/17/2002 i Form 3051 1/01 ~ 494012370 Any application of paym~]~ts, insurance proceeds, or Miscellaneous Proceeds to principal due uuder the Note shah not extend or pos[pone th~ due date, or change the amount, of the Periodic Payments. 3. Funds for. Escrow Itelns. Bon'ower shall pay to Lender oil tile day Periodic Payments are due under the Note, until the Note is paid in fill[, 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 ~v ground rents on the Property, if any; (c) prelmums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance prenuums, if any, or any sums payable by Borrower to Lender in lieu of the ;p,:~yment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are calle~l "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Cormnurr ty Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessmems shall be an Escrow Item. Borrower shall promptly fiirnish to Lender all notices of amounts to be paid tinder this gection. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to piy the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds 'ar any or all Escrow Items at any tmre. Any such waiver may only be iii writing. In the event of such waiver, Borrower shall pay.directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds'has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment ~ithin such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts Shall for all purposes be deemed to be a covenant and agreement contained m this Security hlstmment, as the ph"ase "covenant and agreement" is used in Section 9. If Bm-rower IS obligated to pay Escrow Items directly, pursuant to a waives, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights uno e~ Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at ally time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such alnounts, that ar: .then required under this Section 3. Lender may, at any time, 'xiilect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the thne specified tinder i;~ESPA, and (b) not to exceed the maximum amount a lender can require under ILESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of fim~re Escrow Item'; or otherwise in accordance with Applicable Law. The Funds shall be held i 1 ~n institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lende: is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items ilo later than the time specified under RESPA. Lender shall not charge Borrower for hold'}ng and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender p?:ys Borrower interest on tile Ftmds and Applicable Law permits Lender to make such a charge. Unless an agreemen: is made iii writing or Applicable Law requires interest tO be paid on the Funds, Lender shall not be required to pay,BorroWer any interest or earnings on the Funds. Borrower and Lender can agree ia wa'iting, however, that interest .,'hall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as r,i~quired by RESPA. If there is a surplus of FundS held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess filnds in accordance With RESPA. If there is a shortage of Funds held in escrow, as defined tinder RESPA, Lender shall notify Borr,)wer as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage i~a accordance with RESPA, but in nn more than 12 monthly payments. If there is a deficiency of Fnnds held in esc'row, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay t,:l Lender the amount necessary to make up the deficiency in accordance wills RESPA, but in no more than 12 mo6thly payments. Upon payment in full of all sums secured by this Security Insn'mnent, Lender shall promptly retired to Borrower any Funds held by Lender ~ 4. ChargeS; Liens. Borrower Shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Commnnity ~,ssociation Dues, Fees, and Assessments, if any. To tile extent that these items are Escrow Itmns,~ Borrower shall paylthem in the manner provided in Section 3. Borrower shall promptly .discharge any lien which has priority over tiffs Security Instrument unless Borrower: (a) agrees in writing tO the payment of the obligation secured by the lien in a mamler acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or WYOMING - Single Family - Fannie Mae/Fi'eddie Mac UNIFORM INSTRUMENT Form 3051 1/01 DOCUKWY4 ~ ' (Page 4 of 13 pages) DOCU'KWY4 . V~X 10/17/2000 i' ~' 494012370 defends against enforcement of tim:lien in, legal proceedings which ill Lender's opinion operate to prevent the enforcement of the Hen while those i3roceedings are pending, but only until such proceedings are concluded; or secm-es from the holder of tile lien an agreement satisfactory to Lender subordinating tile lien to this Security Instrument. If Lender determines taat any pan of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a nonce identifyiug 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 tiffs Section 4. Lender may reqmre Bon')vker to pay a one-trine charge for a real estate tax verification and/or reporting service used by Lender in connecti.~n' with this Loan. 5. Property Insurance. 7]cn'ower shall keep the inlprovements now existing or hereafter erected on the Property insm'ed against loss by fi:"e, hazards included within the term "extended coverage," and any other hazards including, but not limited to, ealntkqt:akes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (includir[g deductible levels) aud for the periods that Lender requires. What Lender requires pursuant to the precedir.g sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be rhosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised ltm'easonablyl Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for .,:lo.od zone determination, certificatiou and tracking services; or (b) a one-time charge for flood zone deternfinatior and certification services and subsequent charges each time renmppings or similar changes occur which reasonibly might affect such determination or certification. Borrower shall also be responsible for the payment of av.:y fees imposed by the Federal Elnergency Management Agency in connection with tl~e review of any flood zone determination resulting from au objection by Borrower. If Borrower fails to maintair, 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 cove. rage shall cover Lender, but might or might not protect Botxower, Borrower's equity in the Property, or the conteht:i of the Property, against any risk, hazard or liability and m/ght provide greater or lesser coverage than was previc'usly in effect. Borrower acknowledges that the cost of the insurance coverage so obtained nfight significantly, exct:ed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this ~e;:tiou 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall b,ear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice fror~ Lender to Borrower requesting payment. All insurance policies rec ui.:ed 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 sbaE have the right io hold file policies and renewal certificates. If Lender requires, Borrower shall promptly give to L~nder all receipts of paid prenfiums and renewal notices. If Borrower obtains any form of insurance coverage, not ol,herwise required by Lender, for damage to, or destruction of, the Propelly, such policy shall include a standard m6rtgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Bonower 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 no': rite underlying insurance was required by Lender, shall be applied to restoration or repair of file Property, if the resto:'ation or repair is economically feasible and Lender's security is not lessened. During such repair and restoration'period, Lender shall have the right to hold such insurance proceeds lmtil Lender has had an opportunity to inspect such Properly to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or ill a~ series of progress pa3qnents as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Bm-rower any intmes: or earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sole obligation of Bon'ower. If the restoration or repair is not ecru omically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secur:d by this Security Instrument, whether or not then due, with the excess, if any, paid to Bon-ower. Such insurance l:roceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Pr>perty, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not'respond within 30 days to a notice from Lender that the insurance carrier has %"t'OMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT DOCOKWY5 i ' (Page 5 of 15 pages) DOCIIKWY5 .VTX 10/17/2002 Form 3051 1/01 osoooa,-i 4 3 the merger in writing. WYOMING - Single Family - Fannie Ma~/F':eddie Mac UNIFORM INSTRUMENT ooculcwy6 (Page 6 of 13 pages) Docu~wt6 .v,x xo/~v/2ooa 494012370 offered to settle a claim, then Len~]er may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if' Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's l;~,~hts to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Inst' ument, and (bi any other of Borrower's rights (other than the right lo any retired of unearned premiums paid by Bm'rower) under all insurance policies covering the Propmxy, insofar as such rights are applicable to the coverage of tide:Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid 'ander the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower'shall occupy, establish, and use the Property as Borrower's principal residence within 60 days alter the executicn: of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not te~ unreasonably witlflleld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protec'tion of the Property; Inspections. Borrower shall 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 Proper.y, Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing iii value' due to its condition Unless it is deternfined pursuant to Section 5 that repair or restoration is not economically feasible, Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in cmmection with damage to, or the taking of, the Property, Borrower shall be responsible for repainng or restoring the Property only if Lender has released proceeds for such purpose?;. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condenmation proceeds are not sufficient to repair or res:ore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upon and inspections of the Propelxy. If it has reasonable cause, Lender may inspect the inte'ior of the improvements on the Property. Lender shall give Borrower notice at the time of or prior to such an interim inspection specifying such reasonable cause. 8. Borrower's Loan Ap[4ication. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entitle; ~cting at the direction of Borrower or with Borrower's lmowledge or consent gave materially false, misleading, ~r inaccurate informanon or statements to Lender (or failed to provide Lender with material infmmation) in convection with the Loan. Material representations include, but are not linfited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lenderh }nterest in the Property and Rights Under this Security Instruntent. If (a) Borrower fails to perform the covem~nts and agreements contained in this Security Instrument, (bi there is a legal proceeding that Inrght significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in banlo'uptcy, probate, for condenmation or forfeiture, for enforcement of a lien which may attain priority over thi; Security Instrument or to enfurce laws or regulations), or (c) 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 tiitder 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: (a) paying any sums secured by a lien ;which bas priority over this Security Instalment; (bi appearing in court; and (c) paying reasonable attnvneys' fees u.~ protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a':banlo'uptcy proceeding. Securing the Property includes, but is not linfited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, elinfinate building or other cl)de violations or dangerous conditious, and have utilities turned on or off. Although Lender may take action dnder this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed tha{ lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed b3. Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These a/nounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such mterest,~upon notice fi'om Lender to Borrower requesting payment. If this Security Instrument i~ on a leasehold, Borrower shall comply with all the provisions of the lease. Borrower shall not surrender fl~e leasehold estate and interests herein conveyed or terminate or cancel the ground lease. Borrower shall not, without the express written consent of Lender, alter or amend the ground lease. If Bon'ower acquires fee title to the Erc. pmxy, the leasehold and the fee title shall not merge unless Lender agrees to Form 3051 1/01 O )O00 ;Zt 494 49401237D 10. Mortgage InsurancE. t'f 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 Insm'ance coverage required by Lender ceases to be available from tile mortgage insurer that previously provided such insurance and Borrc, wer was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower st'all pay the premiums required to obtain coverage substantially equivaleut to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of tile Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance co~:erage is not available, Borrower shall continue to pay to Lender the amount of the separately designated pa)anent:; that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these pa)an, mt:s as a non-refundable loss reserve m lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loau is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer reqmre loss 'reserve payments if Mortgage Insu:rar. ce coverage (in the amount and for tile period that Lender requires) provided by an insurer selected by Lender egain becomes available, is obtained, and Lender requires separately designated payments toward the premiums fo:- Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower Was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower sh;dl pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss rese;ve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Boorower and Lender providing for such temffnation or until termination is required by Applicable Law. Nothing in tiff.; Section 10 affects Borrower's obligation to pay interest at the rate provided in tile Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay th) Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluale their total risk on all such insurance in force from time to time, and may enter into agreements with other partieslthz~t share or modify tbeir risk, or reduce losses. These agreements are on tmxns and conditions that are satisfactory'/ to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mcxtgage insurer to make payments using any source of funds that the mortgage insurer may have available (which ~nay include funds obtained from Mortgage Insurance premiums). As a result of these agre{iments, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, nmy receive (directly or indirectly) amounts that derive from (or might be characterized as) a poxtion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's ,,'is'<, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk ~n ,~xchange for a share of the premiunLs paid to the insurer, the arrangement is often te~med "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of.,the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and the,, will not entitle Borrower to auy refund. (b) Any such agreemenls will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the lt$meowners Protection Act of 1998 or any other law. These rights may include the right to receive certain [lisclosures, to request and obtaiu cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a retired of any Mortgage Insurance prenfiums that were m~ea?ned at tile time of such cancellation or ternfiuation. 11. Assignment of Misce}laneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damage:l, such Miscellaneous Proceeds shall be applied to restoration or repair of file Property, if the restoration or repair is economically feasible and Lender's security is eot lessened. During such repair and restoration period, Lend/ir shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such'Prooe;ty to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undcrtvken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series ofprog:esi~ pa)anents as the work is completed. Unless an agreement is made in writing or Applicable Law requires interesl to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by WYOMING ~ Single Family - Fannie Ma~dF[ eddie Mac UNIFORM INSTRUMENT DOCUKWY7 (Page 7 of 13 pages) DOCUkqqY7 .'/TX 10/1'1/2002 Form 3051 1/01 494012370 this Security Instnlment, whether 3r no! then due, v~th the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the orc er provided for in Section 2. In the event of a total taking destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by :'hi~ Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taki"tg, destruction, or loss in value of the Property in. which the fair market value of the Property immediately befor': the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Stlcurity Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miseel}aneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured innnediately before the partial taking, destruction, or loss in value divided by (b) the Pair inarket value of the Property immediately '~'3e fore the partial taking, destruction, or loss in value. Any balauce shall be paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property inanediately before tim partial taking, destruction, or loss in value is less than the amount of the sums secured immediately before't~e partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agq'ee in writing, the Iv:iscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums ar.~ then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within 30 days ~afi:er the date the nonce Is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Propel~y or to tile 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 def~u;t if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in lbrfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Sec.~rity Instrument. Borrower can cnre such a default aud, 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 impairmeni of Lender's interest iu the Property or rights under this Se%lrity Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Leader's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Procee~ls :hat are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 24 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the tinge for payment or modification of amortization off, he. sums secured by tiffs Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall uot operate to release the liability of Borrower or any Successors iu Interest of Borrower. Lender shall".net be required to commence proceedings against any Soccessor in Interest of Borrower or to refilse to extend tiiq~e for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of.~nl demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Leuder in exercisiug any right or remedy including, without limitation, Leuder's acceptance of payments from tlffrd..persons, ent/ties or Successors in Iuterest of Borrower or in amounts less than the amount then due, shall not be a ~'valver of or preclude the exercise of any right or remedy. 13. Joint and Several Li]bflity; Co-siguers; Successors aud Assigus Bound. Borrower covenants and agrees that Borrower's obligations ~'nd liability shall be joint and several. However, any Borrower who co-signs this Security Instalment but does not execate 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 ally other Borrower can agree to extend, rnodify, forbear or make any acconunodations with regard to the terms of this Security Instrument or the Note witltom the co-signer's consent. Snbject to the provisions of Section 18, any Successor io Interest of Borrower who assnmes 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 Instntm~nt.. unless Lender agrees to such release in writing. The covenants and WYOMING - Single Fanfily - Fannie IMa~?/F~ eddie Mac UNIFORM INSTRUMENT Form 3051 1/01 ~)octmwva ~'i (Page 8 of 13 pages) oocuva,t~, vrx zo/z~/aooo 4 9 6 494012370 agreements of this Secnrity Instrurae~.t shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. ; :. 14. Loan Charges. Le]!.der may charge Borrower fees for services performed in connection with Borrower's default, for the purpo~? 0f protecting Lender's interest in the Property and rights under this Security Instrument, including but not lire'ted to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express ~ utl:)ority in this Security Instnnnent to charge a specific fee to Borrower shall not be construed as a prohibition on tt.;s qharging of such fee. Lender may not charge fees that are expressly prohibited by tiffs Security Instrument or by Aipp:icable Law. If the Loan is subject to a]aW which sets maxinmm loan charges, and that law is finally interpreted so that the interest or other loan charges .co.lected or to be collected in connection ~vith the Loan exceed the pemutled limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the pemmted limit; and (b) any sums already collected fi-om Borrower which exceeded permitted limits will be refimded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a ref.]nd reduces phncipal, the reduction will be treated as a partial prepayment without any prepayment charge (v'he:her or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower nfight have arising out oi su:h overcharge. 15. Notices. All notices given by BmTower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrowe~ in cmmection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first c;ass mail or when actually delivered lo Bon'ower's notice address if sent by other means. Notice to any one BorroWer.shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice ad(~ress shall be the 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 Lender specifies a procedure for repoyting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only oue designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another add?ess by notice to Borrower. Any notice in com]ection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instnunent is also required under Applicable Law, the Applicable Law requirement will satisfy the corre3ponding requirement under this Security Instrument. 16. Governing Law; Sev,:~rability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the juri~di~:tion in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parqes to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against 'ag(eemeut by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts wi, th ?kpplicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note wlfich can be given effect without the conflicting provision. As used in this Securit? i'.nstrument: (a) words of the masculine gender shall mean and inclnde corresponding neuter words or wo-:ds'ibf the fen'finine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word"'may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrdwer shall be given one copy of the Note and of this Security Instrnment. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal o~ b~neficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for (eeO, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by E orrower at a future date to a purchaser. If all or any part of the Pr(,pe;-ty or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial int?re~t in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate p~,Yment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Le ~der if such exercise is prohibited by Applicable 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.,fr0m the date the notice is given in accordance with Section 15 within which Borrower nmst pay all sums secured by fifis Security Instrument. If Borrower fails to pay these sums prior to the WYOMING - Single Family - Fannie M:i~dF,:eddie Mac UNIFORM INSTRUMENT DOCUKWY9 (Page 9 of 13 pages) uoeu~wt~.vrx zo/~?/2oo: Form 3051 1/01 o9ooo¢;a 4 9 7 4940123?0 expiration of this period, Lender faa7 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 enfoi'oement of this Security Instnunent discontinued at any time prior to the earliest of(a) five days before sale of the Proberty pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security/ Insn-umen! Those conditions are that Bon'ower: (a) pays Lender all sums which then would be due under this Security Instrument and tile Note as if no acceleration had occurred; (b) cnres any default of any other covenants l or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, inchiding, but not lira. ted to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the pmpos,~.t qf protecting Lender's interest in the Property and rights under this Security Instrnment; and (d) takes such ac?io'~ as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Se,curity Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continnem;:changed. Lender may require that BmTower pay such reinstatement sulns and expenses in one or more of the fcllowing forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's ch~:ck! or cashier's cheek, provided any such check is drawn upon an institution whose deposits are insured by a fe;deral agency, insn'umentality 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 nines 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 InstmmL, nt and performs other mortgage loan servicing obligations under tile Note, this Secm'ity Instrument, and Applicable l?aw. There also aright be one or more changes of tile Loan Serwcer unrelated to a sale of the Note. If there is a cna~sge of the Loan Servicer, Borrower will be given written nonce 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 reqtires in com,ection with a notice of transfer of servicing If the Note is sold and thereafter the Loan is serviced by a, Lean Servicer other than the purchaser of tile Note, the mortgage loan servicing obligations to Borrower will remai~l v4th the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser-,mless otherwise provided by tile Note purchaser. Neither Borrower nor Let~der may commence, join, or be joined to any judicial action (as either an individual litigant or the member bf a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the ~ther party has breached any provision of, or any duty owed by reason or} this Security Instrument, until such B'on'ower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Laxv provides a time period which nmst elapse before certain aC, tioa can be taken, that time period will be deemed to be reasonable for ptuposes of this paragraph The notice of act eleration and oppornmity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given ti, Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective actim: piovisions of this Section 20. 21. Hazardons Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substz.nces, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable o-- toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or fo"maldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction wl-:ere the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanap" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d~ ail "Environmental Condition" ineans a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. Borrower shall not canse or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release ary I-azardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affect:ag the Property (a) that is in violation of any Enviromnental Law, (b) which creates an Environmental Conditio3.~, cr (c) which, due to the presence, use, or release of a Hazardous Substance, WYOMING - Single Family - Fannie MaUFrl'ddie Mac UNIFORM INSTRUMENT Form 3051 1/01 I~OCUKWWO ~ (Page 10 of 13 pages) IlO L-'UI~A. VTX 10/17/2002 0 000 8 '- 498 494012370 creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage on th'e Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to ~ormal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). Bmxower shall promptly 'gi~e Lender written notice of (a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party revolving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, an7 spilling, leaking, discharge, release or Itu'eat of release of any Hazardous Substance, and (c) any condition cau:~ed by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or ~s notified by any governmental or regnlatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Bon-ower shall promptly take all necessmT remedial actions in accordance with Enviromnental Law. Nothing herein shall create any obiig~ tion on Lender for an Enviromnental Cleanup. NON-UNIFOILM COVEiiANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remeflids. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any cove~ant or agreement in this Security Iustrument (but not prior to acceler.'~tion under Section 18 unless Applica)le Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the defmlt; (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 farther inform Borrower of the right to reinstate after acceleration and the right to bring a court action to aslsert the non-existence of a default or an), other defense of Borrower to acceleration and sale. If the defmlt 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 fm'ther demand and may invoke the power of sale and any other remedies pernfitted by Applicable Law. Lender shall be entitled to'collect all expenses incurred in porsuing lhe remedies provided in this Section 22, including, but not limited to, reasmmble attorneys' tees 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, ii' 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 apl)lied 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 Secm'ity Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payn:ent of all sums secured by this Security Instrument, Lender shall release this Security Insmm~ent. Borrower shaq Fay any recordation costs. £ender may charge Borrower a fee for releasing this Security Instrument, but only ifth~ f;e is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Bon'ower releases and waives all rights under and by virtue of the homestead exemption laws of Wyoming. WYOMING- Single Fanfily -Fannie Mee/F.i.eddie Mac UNIFORM INSTRUMENT r~ocu~cw',q ~ (Page 11 of 13 pages) DOCUKWY1/, VTX 10/17/2002 . Form 3051 1/01 494012370 BY SIGNING BELOW, B ~lrrower accepts and a~ees [o ~he ~e~ and covenants con~ined in tiffs Securhy ~ns~men~ and in any R~der execu~fd by Borrower and recorded ~i~h ~t BORROWER/~E~~O~E~ SMITH - 5ATE - ~ - BORROWE~- ~BBEY LE~ ~MIT~ - DAT~ - ~ WYOMING - Single Family - Fan.ie Mat~'reddie naac UNIFORM INSTRUMENT DOCIJKWYI2 , (Page 1 ~ of 13 pages) DOCU~C.WX xo/~v/~ooa - Form 3051 1/01 O O00L;Lt 494O12370 [5;pace Below This Line For Ackmowledgment] COUNTY OF ""--~ ~-, the foregoing instrument was ackn~wledged before me by 0_9_~e~ T~ad this d/F~&t~ day of '~/.t ,C,.~ ~>.31Y~/ Witness my hand and official seal. Notary Public My Commission Expires: WYOMING - Single Family - Fa.hie MaUFTeddie Mac UNIFORM INSTRUMENT DOCUI<WY~3 (Page 13 of 13 pages) DOCU IotCX'D. VTX 6/6/2002 Form 3051 1/01