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HomeMy WebLinkAbout900412 RECEIVED LINCOLN COUNTY CLERK BOOK 532PRPAO: 12 1 i Form RD 3550-14 WY (11-96) Form Approved OMB No. 0575-0172 United States Department of Agriculture Rural Housing Service :MORTGAGE FOR W~'OMING THIS MORTGAGE ("Security Instrument") is made on August 19, 2003 , [Date] The mortgagor is Pamela S. Li~l~ aka Pamela S. Brown aka Pamela Sue Brown ("Borrower"). This Security Instrument ~s given to the United States of America acting through the Rural Housing Service or successor agency, United States Depa:lment of Agriculture ("Lender"), whose address is Rural Housing Service, c/o Centralized Servicing Center, United States Deparment of Agriculture, P.O. Box 66889, St. Louis, Missouri 63166. ~ Borrower is indebted to Lender under he following promissory notes and/or assumption agreements (herein collectively called "Note") which have been executed or ~.ssumed by Borrower and which provide for monthly payments, with the full debt, if not paid earlier, due and payable on the maturity date: Date of Instrument Principal Amoum Maturity Date August 1'9, 2003 $24,000.00 August 19. 2036 This Security Instrument secures to LeFder: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the property covered by this Security Instrmnent; (c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note, and, (d) the recapture of any payment assistance and subsidy which may be granted to the Borrower by the Lender pursuant to 42 U.S.C. §§ 1472(g) or 1490a. For this purpose, Borrower does hereby mortgage, grant, and convey to Lender, with power of g'de, the followingdescribed property located in the County of ,' Li ncol n , State of Wyoming: Beginning at a point 667.28 feet South from the Northeast Corner of Section 12, T 31 N, R 119 W, 6th P.M., .Wyoming, and ~unnin~ thence South 11'0 feet, thence West 396 feet, thence North 110 Feet, thence East 396 feet to the place of beginning. which has the address of Wyoming [z~P] 4125 "~"'~ ".,v.wa~ 241 [Street] 83110 ("Property Address"); Public reporting burden for this collection of information is estimated to average 15 mintttes pet' response, including the lime for reviewing instruction, searching existing data source3, gathering and maintaining the data ~ ceded and completing and reviewing the collection of iaformation. Send comments regarding lhi: burden estimate or arty other aspect of this collection of information, including suggesffons for reducing this burden, to the U.S. Departme/.i of Agricalture. Cleat'at ce Officer. STOP-7602, 1400 Independence Ave., S.W.~ Wash '~ gto~. D.C. 20250-7602. Please DO NOTRETU~ thi. Jbrm lo this address. Forward to lhe local USDA office only. }~ are not reqaired to respond to this collection of information unless it displcys a currently valid OMB number. NOTE: ThSs serves to correct..:~that certaSn Hortgage recorded Pagelof6 August 25, 2003 5n Boo~ 532PR on page 121 of the records of ~7:7"~:Bcoln-County .21erk to corre~77~?,~:~ name of the Mo r~:~:~:~ ~::i:~. ~ ,' 7 4 9 12 2 TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures which now or hereafter are a pan of the property. All replacements and additions shall also be covered by this Security I.astrument. All of the foregomg is referred to m this Security Instrument as the "Property. BORROWER COVENANTS"that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defenc generally the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRU1V. ENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdict:cn to constitute a unitbrm security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of and interest o~ the debt evidenced by the Note and any prepayment and late charges due under the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day n-cnthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") for: (a) yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b) yearly leasehold payments or ground rents on the Property, if any; (c) yearly hazard or property insurance premmms; and (d) yearly flood insurance premiums, if any. These items are called "Escrow Items." Lender may, at any time, collect'and hold Funds iu an amount not to exceed the maxmmm amount a lender for a federally related mortgage loan ma3, require for Borrower's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amende'c from time to time, 12 U.S.C. § 2601 et seq. ("ILESPA"), unless another law or -federal regulation that applies to the Funds sets a lesser amount. If so, Lender may, at any time, collect and hold Funds in an amount not to exceed ;he lesser amount. Lender may estimate the amount of Funds due on the basis of current data and reasonable estirr, ates of expenditures of future Escrow Items or otherwise in accordance with applicable law. The Funds shall be held by a f(:deral agency (including Lender) or in an institution whose deposits are insured by a federal agency, instrumentalit?, or entity. Lender shall apply the Funds to pay the Escrow Items. Lender may not charge Borrower for holding ar.d applying the Funds, annually analyzing tile escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge, ttowever, Lender may rx~quire Borrower to pay a one-time charge for an independent real estate tax reporting service used by Lender in connection with this loan, mfless applicable law provides otherwise. Unless an agreement is made or applicable laxy requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an ammal accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by Lender ex'ceed the amounts permitted to be held by applicable law, Lender shall accouut to Borrower for the excess funds in accordance with the requirements of applicable law. If the amount of the Fnnds held by Lender at any time is not :ufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in such case Bon'owe--shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly payments, at Lender's sole discretion. Upon payment in full of all,,.:ums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender:. If Lender shall acquire or sell the Property after acceleration under paragraph 22, Lender, prior to the acquisition or sale of tile Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit agaim.t the sums secured by this Securi .ty Instrument. 3. Application of Payments. Unless applicable law or Lender's regulations provide otherwise, all payments received by Lender under paragraphs 1 and 2 shall be applied in the following order of priority: (1) to advances for the preservation or protection of thc Property or enforcement of this lien; (2) to accrued iute~ est due nnder tile Note; (3) to principal due under the Not'z; (4) to amounts required for tile escrow items under paragraph 2; (5) to late charges and other fees and charges. 4. Charges; Liens. Borrower,shall pay all taxes, assessments, charges, fines and impositions attaqbutable to the Property which may attain priority'6ver this Security lnsta-ument, and leasehold paymeuts or ground rents, if any. Borrower shall pay these obligatio~,g in the maturer provided m paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly fiu-nish to Lender all notices of amounts to be paid under this paragraph. If Bon-oxver makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencir g the payments. Borrower shall promptly discha':ge an), lien which has priority over this Security Instrun~ent unless Lender has Page 2 of 6 OBOO4Z 7,'30 123 agreed in writing to such lien or B,)~'rower: (a) agrees in writing to tl~e payment of the obligation secured by the lien m a mariner acceptable to Lender; (b) contests in good faith the lien by, or defends agatnst enforcement of the lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcemem of the lien; or (c) secures fi'om the holder of the lien an agreement satisfactoO, to Lender subordinanng the lien to this Security Instrument. If Lender determines that any part 6f the Property is subject to a lien which may attain priority over this Security Instrument, Lender may give Bon.ower a notice identifying the lien. Borrower shall Satisfy the lien or take one or more of the actions set forth above, within ten (10) days. of the giving of notice. Borrower shall pay to Lender ..it'.ch fees and other charges as may now or hereafter be required by regulations of Lender, and pay or reimburse Lender for all of Lender=s fees, costs, and expenses in com~ection with any fall or partial release or subordination of lh s instrument or any other transaction affecting the property. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flood~n,g, for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurer providing the insurance shall be chosen by Borrower subject to Lender's appro'val which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, at Lender's option Lender may obtain coverage to protect Lender's rights in the Property pursuant to paragraph 7. All insurance policies and renewals shall be in a form acceptable to Lender and shall include a standard mortgagee clause. Lender shall hat,~ the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance car:let and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower '~therwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, i:~ ':he restoration or repair is economically feasible and Lender's security is not !essened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied !o the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If ,~30rrower abandons the Property, or does not answer within thirty (30) days a notice from Lender that the insurance carrier has offered to settle a claim, then Lmider may collect the insurance proceeds. Lender may use the proceeds to repair or restore file PropeiW or to pay sums secured by this Security Instrument, whether or not then dtm., The thirty (30) day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of tke monthly payments referred to in paragraphs 1 and 2 or change the alnount of the payments. If after acceleratior, the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Properly prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instnn:'~ent hnmediately prior to the acquisition. 6. Preservation, Maintenarce, and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall not 'testroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Boirower shall maintain theimprovemei~ts in good repair and make repairs required by Lender. Borrowex shall comply with all laws, ordinances, and regulations affecting the Property. Borrower shall be in default if any forfeiture acti6n or proceeding, whether civil or criminal, is begun that in Lender's good faith jndgment could result in forfeiture of the Property or otherwise materially impair the' lien created by this Security Instrument or Lender's security intuit.Sst. Borrower may cure such a default by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Pi-operty or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in d~fault if Borrower, during the loan application process, gave materially false or inaccurate information or statemel.:ts to Lender (or failed to provide Lender with any material infom~ation) m connection with the loan evidencecl by the Note. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of ti e lease. If Borrower acq¢ires fee title to the Properly, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perfom~ the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, ibr coude~mmtion or forfeiture or to enforce laws or regulations), then Lender may do ard pay for whatever is necessary to protect tl~e value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorueys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender is not required to do so. Any amounts disbursed by Len:tcr under this paragraph 7 shall become additional debt of Bmxower secured by this Security Instrument. Unless B3irower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursemen~ at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Refinancing. If at any time lit shall appear to Lender that Borrower may be able to obtain a loan from a Page 3 of 6 0bt '7 5 O O04.:tZ 75 124 responsible cooperative or private .credit source, at reasonable rates and terms for loans for similar purposes, Borrower will, upon the Lender's request, apply for and accept such loan in sufficient amount to pay the note and any indebtedness secured hereby itl lull. 9. Inspection. Lender or its agent may make reasonable enu'ies upon and inspecnons of the Property. Lender shall give Borrower nonce at the tm~e of or prior to an inspection specifying reasonable cause for the inspection. 10, Condemnation. The proceeds of any award or claim for damages, direct or consequential, tn connecnon w~th any condemnation or other tr~king of any part of the Property, o~ for conveyance m lieu of condenmation: are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property, tile proceeds shall be applied to the sums secured by thi} Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of he Property in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument inmmdiately before the taking, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instnm'mnt shall be reduced by the.amount of the .proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately before the ta 6ng, divided by (b) the fair market value of the Properly inunediately before the taking. Any balance shall be paid to Borrower In the event of a partial taking of the Property m which the thir market value of the Property imr.~ediately before the taking is less than the amount Of the sums secured hereby inunediately before the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides, the proceeds sha;l be applied to the sums secured by this Security Instrument whether or not the sums are then due. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condenmor offers to make an award or settle a claim for damages, Borrower fails to respond to Lender within thirty (30) days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the Property or to the su:ns secured by this Security Instrument, whether or not then due. Unless Lender and Borrower otherwise agree in ,vnting, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such payments. 11. Borrower Not Released' Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower and any successor in'interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest.' Lender shall 'not be required to commence proceedings against any successor in interest or refuse to extend time for payment ~r otherwise modify amortization of tim sums secured by this Security lnsn-ument by reason of any demand made by tke original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right'or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigus Bo~lnd; Joint and Several Liability; Co-signers. The covenants and agreements of this Security Instrument shall bi'ad, and benefit the successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16. Borrower's covenants and agreements shall be joint and several. Any Borrower who co-signs this Security' Instrument 15ut. does not execute the Note: (a) is co-signing this Security Instrument only to mortgage, grant and convey that B.orrower's interest in the Property under the terms of this Secnrity Insnnment; (b) is not personally obligated to pay the. sums secured by this Security instrument; and (C) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note wi' hcut that Borrower's consent. ' 13. Notices. Any notice to B(~rrawer provided for in this Security lnsn-ument shall be'given by delivering it or by mailing it by first' class mail unless applicable law requires use of another method. The notice shall be directed to 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 Le.~ der's address stated herein or any other address Lender designates by notice to Borrower. Any notice provided for i'4 this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in riffs paragraph. 14. Governing Law; Severa}~ility. This Security Instrument shall be governed by federal law. In the event that any provision or clause of this Security Instrument or th,e 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 provisk,ns of this Security histmment and thc Note are declared to be severable. This instrument shall be subject to the/:resent regulations of Lender, and to its fixture regulations not inconsistent with the express provisions hereof. All powers and agencies granted in this insn-ument are coupled with an interest and are irrevocable by death or other~ ise; and the rights and remedies provided iii this instrument are cumulative to remedies provided by law. 15. Borrower's Copy. Boryower ac~knowledges receipt of one conformed copy of the Note and of this Security Instrument. 16. Transfer of the Property or a Beneficial Interest iil Borrower. If all or any part of the Property or any interest in it is leased for a lem'l great.~r than three (3) years, leased with an option to purchase, sold, or transferred (or if a beneficial interest in Bo~Tov,ei is sold or transferred and Borrower is not a nao. iral person) without Lender's prior written consent, Lender may, ai its option, require immediate payment m full of all sums secured by this Security Instrument. ' Page 4 of 6 17, Nondiscrimination. If Borrower intends to sell or rent the Property or any part of it and has obtained Lender's consent to do so (a)neither Borrower nor anyone authorized to act for Borrower, will refiise to negotiate for the sale or rental of the Prope~y or will otherwise make unavailable or deny the Property to anyone because of race, color, religion, sex, national origin, handicap, age, or familial status, and (b) Borrower recogmzes as illegal and hereby disclaims and will no comply with or arteinpt to enforce any restrictive covenants on dwelling relating to race, color, religion, sex, natior'd origin, handicap, age or familial stares. 18. Sale of Note; Change cf Loan Servicer. The Note or a partial interest iii the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (~known as the "Lom,~ Servicer") that collects monthly payments due under the Note and this Security Instrument There also may be o~e or more changes of the Loan Servicer unrelated to a sale of the Note. If there, is a change of the Loan Servicer, Bcn-ower will be given written notice of the change in accordance with paragraph 13 above and applicable law. The nztice will state the name and address of the new Loan Servicer and the adch-ess to which payments should be made. 19. Uniform Federal Non-3 udicial Foreclosure. If a uniform federal non-judicial foreclosure law applicable to foreclosure of this security im:irument is enacted, Lender shall have the option to foreclose this instrument in accord ance with such federal proc edure. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any hazardous substances on or in the Property. The preceding sentence shall not apply to the presence use or storage on the Properly of small quantities of hazardous substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall not do, nor allow anyone else to do, anytlfing affecting the Property that is in violation of any federal, state, or local enviromnental law or regulation. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any hazardous substance or envirolunental law or regulation of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory aufl~cr~ity, that any removal or other remediation of any hazardous substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with applicable environmental law and regulatiom: As used in this paragraph."ha_*ardous substances" are those substances defined as toxic or hazardous substances by environmental law and the f:)llowing substances: gasoline, kerosene, other flanmmble or toxic petroleum products, toxic pesticides and .he?.icides, vol.ati!,e so.lvents, materia!s containing asbestos or formaldehyde, and radioactive materials. As used m mis paragrapl~, environmental law' means federal laws and regulations and laws and regulations of the jurisdictidu where the Propelty is located that relate to health, safety or environmental protection. 21. Cross Collateralization. Default hereunder shall constitute default under any other real estate security instrument held by Lender and :xecuted or assumed by Borrower, and default under any other such security instrument shall constitute default l~ereunder. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. SHOULD DEFAULT e~':cur in the performance or discharge of any obligation in this instrument or secured by this instrument, or Shm:,ld the parties named as Borrower die or be declared incompetent, or should any one of the parties named as Borrower be discharged in bankruptcy or declared an insolvent, or make an assigmnent for the benefit of creditors, Lender:, at its option, with or without notice may: (a) declare the entire amount unpaid tinder the note and any indebtedness to Lender hereby secured irrmmdiately due and payable, (b) for the account of Borrower incur and pay reasonable, expenses for repair or maintenance of' and take possession of, operate or rent the property, (c) collect the rentals and other income and profits from the property and appl7 it against the secured indebtedness, whether or not a recta, vet shall have been appointed, bot shall not be required or be liable fi)r failure to collect rent or other income, and s~l:all be held accountable for only such amounts as are actually received, (d) upon application by it and production of this mortgage, without other evidence and wifllout notice of hearing of said application, have a receiver appoi~ted for the property, with the usual powers of receivers in like cases, (e) foreclose this insn-ument as provided herein .'or by law, (f') require Borrower to surrender to Lender any and all abstracts of title then owned by Borrower cov,:,ring all or any part of the property, and (g) enforce any and all other rights and remedies provided herein or by pro.,ient or fi~ture law. 23. The proceeds of foreclos.)re sale shall be applied in the following order to the payment of: (a) costs and expenses incident to enforcing or complying with the provisions hereof, (b) any prior liens required by law o~ a competent court to be so paid, (c) .:,m debt evidenced by the note and all indebtedness to Lender secured hereby, (d) inferior liens of record raq.uir~id by law or a competent court to be so paid, (e) at Lender's option, any other indebtedness of Borrower owing t(-) Lender, and (f) any balance to Borrower. At foreclosure or other sale of all of any part of the propexxy, Lender a ~d its agents may bid and purchase as a stranger and may pay Lender's share of the purchase price by crediting su.dh amount on any debts of Borrowm o,a, ing to Lender, iii the order prescribed above. , 24. Borrower agrees that Lend!~r will not be bound by any present or filture laws, (a) providing for valuation or Page 5 of 6 appraisal of Se prope~, (b) prohibiting maintenance of an acnon for a deficiency judgment or l~t~g the amount thereof or ~e t~e within which su~ch action may be brought, (c) prescribing any other statute of lnnitations, (d) allowing any right of redemption or possession following any foreclosure sale, (e) requiring possession of the prope~ or appom~ent of a receiw:r before Lender is entitled to rents, or (0 l~itmg the conditions which Lender may by regulation ~pose, including the interest rate it may charge, as a condition of.approving a ~ansfer of the prope~ to a new Bo~ower. Bor:ower expressly waives the benefit of any such State laws. Bo~ower hereby releases and waives all rights under t nd by v~e of the homestead exempnon laws of Wyo~ng. 25. At the option of Lender tiff; mo~gage may be foreclosed by action or advemsement under Power of Sale as provided by law and statute, and Bo~ower hereby ~evocably vests in Lender ~e stamtoW Power of Sale. 26. Bo~ower hereby assigns to Lender all Bo~ower's rights under Wyo~g Statutes 34-4-113 to su~lus proceeds ancot su~lus money remaining after sale of the prope~ under stamto~ Power of Sale or any foreclosure sale or s~lar sale exercised by any 'foreclosing party or other pa~ and hereby waives any cla~ against ~he officer or person making such sale for paying said su~lus on demand of Lender. 27. ~ders to this Security Inst'rument. If one or more riders are executed by Bo~ower and recorded together wi~ t~s Securi~ Ins~ment, the co,~enants and agreements of each rider shall be inco~orated into and shall amend and supplement the covenants ana agreements of ~is SecuriW Ins~ment as if tim rider(s) were a pan of this SecufiW Ins~ment. [Check applicable box] ~ Condo~um ~der D Pla~ed Unit Development ~der ~ Oflmr(s) [specify] BY SIGN~G BELOW, Bo~ower accepts and agrees to the te~ and covenants con~ed m pages 1 t~ough 6 of ~s SecuhW ~s~ment and ~ any rider executed by Bo~ower and recorded with ~is SecufiW ~s~ent Pamela S. Lish Borrower Pamela S. Lish Borrower STATE OF WYOMING Ls .' COUNTY OF Lincoln ACKq~OWLEDGMENT The foregoing instrument was ~icknowledged before me by Pamela S. Li sh and Witness my hand and official se al. this (NOTARIAL SEAL) My commission expires: ~,~ $ttELI.k-Y ~ NOTA/W PL~JC Page 6 of 6 754 State of Wyoming COunty of Lincoln ) )ss ) The foregoing instm~nent was acknowledged before me by Pamela S. Lish this day of ~)~ , 2004. Witness my hand an~: official seal. { County of ~ State of"i Uinta ~ WY°rain'c: I Commission Expires: :{,7-~¥-u.0.a- ~otary Public