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HomeMy WebLinkAbout900635,-(q After Recording Return To: FIRST BANK OF IDAHO t'SB, DBA FIRST BANK OF THE TETON~S P.O.BOX 12860 -170 E BROADWAY JACKSON, WY 83002 DEFINITIONS [Space Above This Line For Recording Data] LYONS MORTGAGE Low ~: 494o~3o14 MIN; 100174102000012866 PIN ~ 36191530039000 Words used in mtfltiple sectiohs of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Cmlain rules regarding the usage of words used m this docmnent are also provided in Section 16. (A) "Security Instrmnent" n~eans this docoment, which is dated together with all Riders to this dodument. (B) "Borrower" is FRANK P. LYONS AND KATHLEEN F. WIFE JUNE 25, 2004 LYONS, HUSAND AND Borrower is the mortgagor under this Security Instrument. (C) "MERS" is Mortgage E~ect,-onic Registration Systems, Inc MERS ,s a separate corporation that is acting solely as a normnee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Secnrity hlStrument. MERS is organ;zed and existing nnder 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 OF IDAHO, FSB, DBA FIRST BANK OF THE TETONS Lender is a CORPORATION organized and existing under the laws of IDAHO . Lender's address is P.o. BOX 12 86 0 / 170 E BROADWAY JACKSON,' WY 83002 (E) "Note" means the promissory hote signed by Borroxver and daled ,TUNE 2 5, 2 0 04 The Note states that Borrower owes Lender TWO HUNDRED FORTY-EIGHT THOUSAND AND 00/100 Dollars (U.S. $ 24 8,000. o o ) phis interest. Borrower has pronfised to pay this debt in regular Periodic Payments and to pay the debt in full not later than JULY 1, 2 034 (F) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (G) "Loau" means the debt evidenced by the Note, plus interest, any prepasqnent charges and late charges due tinder the Note, and all stuns &re tinder this Security Instrument, plus interest. WYOMING - Single Family - Fa,m,e M ~e/Freddie Mac UNIFORM INSTRUMEN¥ Form 3051 1/01 DOCUKWY~ (Page I of 13 pages) 494013014 (H) "Riders" means all Riders ro this Security Instmmem that are executed by Bon'ower. The following Riders are to be executed by Bon'ower [check box as applicable]: [] Adjustable Rate Rider [] Balloon Rider [] 1-4 Family Rider [] Condominium Rider [] Planned Unit Development Rider [] Other(s) [specify] [] Second Home Rider [] Biweekly Payment Rider (I) "Applicable La~v" means a'l controlling applicable federal, state and local statutes, regulations, ordiuances and a&mnistrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Comnmnity Association Dues, Fees, and Assessments" means all dries, fees, assessments and other cbarges that are imposed on Borro~ver or the Property by a condominmm associatiou, homeowners associanon or similar organization. (K) "Electronic Funds Transfer" means any transfer of funds, other thau a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic termiual, telephonic insm,ment, coinputer, or magnetic tape so as to order, instruct, or authorize a financial inslimtiou to debit or credit an account. Such term includes, but is not limited to, poiW.-of-sale transfers, automated teller nmchine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlemem, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condmrmation or other taking of all or any part of the Property; (iii) conveyance in lieu of condenmation; or (iv) nfl;rep :esentations of, or onfissions as to, the value and/or condition of the Property. (N) "Mortgage Insurance" me~ns .nsnrance protecting Lender against the noupayment of, or default on, the Loan. {O) "Periodic Payment" means th3 regularly scheduled amount due for (i) principal and interest undm the Note, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulaSon that governs the same subject matter. As used iix this Security Insnmnent, "RESPA" refers to all requirement; and restrictions that are imposed in regard to a "federally related mm~tgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (Q) "Successor in Interest Of Bor~ ower" means any party that bas taken title to the Property, whether or uot that party has assumed Boxxower's obligations under the Note and/or this Security Instalment. TRANSFER OF RIGHTS 1N THE PROPERTY This Security Instrument secures to Leuder: (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (ii) fl~e perforrnance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS (solely as nonfinee for Lender and Lender's successors 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 16 OF THE TRAIL C}iEEK SUBDIVISION, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT FILED APRIL 3, 2002 AS INSTRUMENT NO. 880072 which currently has the address )f 101 ASHLEY DRIVE ALP INE ,Wyorrfing 83128 [City] '[Zip Code] WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT DOCUKWY2 (Page 2 of 13 pages) DOCUKIt~( 2 .VTI !0/17/2002 [Street] ("Proper~y Address"). Form 3051 1/01 :..: /t33 494013014 TOGETHER WITH ail the improvements now or hereafter erected on the property, and ali easements, appurtenances, and fixtures now or hereafter a part of the property. A]~ rephlcemen~s and additions shall also be covered by this Secm-ity Instruinent.. All of the foregoing is referred to in this Security Instrument as the "Prope~y." Bm-rower understands and agre es that MERS holds only legal title to the interests granted by Borrower m this Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the. right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; ahd to take any action required of Lender including, but not limited to, releasing and canceling this Security Ins' mmcnt. BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and o~nvey the Property and that the Property is unencumbered, except tbr encmnbrances of record. Borrower warrants and will defend generally the title to tl~e Property against all claims and demands, subject to any encumbrances .of record. THIS SECURITY INSTRUMENT combines nnifom~ covenants for national use and non-nnifom~ covenauts with limited variatio'ns by jurisdiction to constitute a uniform security iustrnment covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as lbllows: 1. Payment of Principal, Interest, Escrow Items, Prepaymeut Charges, and Late Charges. Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges due under tlae Note. Borrower shall also pay fimds for Escro~v Ite]ns pursuant to Section 3. Paymeuts due under the Note and this Security Iustrmnent shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender ]nay require that an/or all subsequent payments due under the Note and tlhs Security Instmmeut be made in one or nlore of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified ~heck, bank check, treasurer's check or Cashier's Check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, h~strumentality, or entity; or (d) Electronic Funds TransI~r. Payments are deemed :received by Lender when received at the location desiglmted m the Note or at such other location as may be designated by Lender in accordance with the uotice provisions in Section 15. Lender may return any payment or partial payment if the payment or partial payments are insufficient to bring the Loan curreut. Lender may accept any payment or partial 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 fi~ture, but Lender is not obligated to apply such payme'nts at the time such payments are accepted. If each Periodic Paymeut is applied as of its scheduled due date,'then Lender need not pay interest on unapplied fimds. Lender nhay hold such unapplied funds until Borrower makes I/ayment to bring the Loan cra-rent. If Borrower does not do so within a reasonable period of time, Lender shall either apply such fi~nds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanLing principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower nfight: have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Secority Instrument or perl~ormmg the covenants and agreements secured by this Security h~stmmeut. 2. Application of Pa:yments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the lbllowing order of priority: (a) interest due under the Note; (b) principal due under the No;e; (c~) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due unde: this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a p,ayment 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 Pa)qnent is outstanding, Lender may apply auy payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in fi,Il. To the extent that any excess exists after the pa)ment is applied to the full payment of one or more Periodic Pay~nents, such excess may be applied to any late chmges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note... WYOMING 2 Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 .DOCIJKWY3 (Page 3 of I3 pages) DOC~KWY3 .VTX 10/17/2002 '" 434 49401303.4 Any application of pa}uncnts, insurance proceeds, oi Miscellaneous Proceeds to principal due under the Note shall not extend or postpone file due date, or change the amou,lt, oftl~e Periodic Paymems. 3. Funds for Escrow Items. Bm-rower shall pay to Lende,' on the day Periodic Paymenis are due under the Note, until the Note is paid in fi, Il, a suni (the "Funds") to provide for payment of amounB due for: (a) taxes and assessments and other items whi_ch :can at~ain priority over this Sectu'ity htstrument as a lieu or encumbrance on the Properly; (b) leasehold paymen{s or ground rents on the Property, ii' any; (c) premiums for any and all insurance required by Lender trader Section ~; and {d) Morigage Iusumnce pre,mums, if any, or any sunts payable by Borrower to Lender in lieu of the payment of Mortgage Insurance p,'eminms in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during rite teHn of the Loan, Lender may require that Conmrmi~-y Association Dr, es, Fees, and Assessnlmlts, ii' any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow item. Borrower shall promptly furnish to Lender ali uotices of amounts to be paid nnder tb!s ~ection. Borrower sba{1 pay Lender lhe Funds for Escrow Items uuless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any os all Escrow Items at uny time. Any such waiver may only be in wriiing. In the event o£ such waiver, Bmrower shall pay directly, when aud where payable, the amounts due for any Escrow Items for which payment of Etnds has been waived by Lender aud, if Lender requires, shall furnish to Lender receipts evidencing such paymeut within such time period as Lender may require. Bon-ower's obligation to make such payments and to provide re;eipts shall for all proposes be deemed io be a covenant aud agreement contained in this Security Instrument, as the ptu'ase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay tile amount due for ail Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender an'/such amount. Lender may revoke the waiver as to any or all Escrow Items at arty time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Fmlds, and in such amounts, that are then required tinder this Section 3. Lender may, at auy tin-e, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under I{ESPA, and (b) not to exceed the nmximmn amount a lender can require under RESPA. Lender shall estintate ~he amount of Funds due on the basis of current data and reasonable estimates o£ expenditures of future Escrow Items. or otherwise in accordance with Applicable Law. The Funds shall be held iii an institution whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, ii' Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply tire Funds to pay the Escrow Items no later ihan the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, mmually analyzing the escrow account, or verifying the Escrow Items, unless Lcnde: pays Borrower interest on the Fuuds and Applicable Law pern~its Lender to make such a charge. Unless an agreement: is made in writing or Applicable Law requires interest to be paid on tl~e Funds, Lender shall not be required to pay :Borrower any interest or earnings on lhe Funds. Borrower and Leader can agree in writing, however, that interest strall be paid on rite Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of'Furds held in escrow, as defined uuder R_ESPA, Lender shall account to Borrower for the excess fimds in accordance wifll RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, ami Borrower shall pay to Lender file amount necessary to make up file shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined tinder RESPA, Lender shall notify Bon'ower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more thau 12 mol~thly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions atlributable to the Property Milch can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Conunt,nit¥ Association Dues, Fees, and Assessments, if any. To the exteut that these itents are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promp'tly discharge any lien which has priority over this Security Instrulnent unless Borrower: (a) agrees in writing tothe payment of the obligation secured by the lien in a ~nmmer acceptable to Lender, but only so long as Borrower is performing such agreemeut; (b) contests the lien in good faith by, or WYOMING - Single Family- Fannie Mae~Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 DOCU~WYq (Page 4 of 13 pages) ~ocu~.wx z0/~wa000 .... 435 494013014 defends against enforcement cf the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while thosi: proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security InstTument. If Lender determin,:s that any part of tl~e Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Bon-ower a notice identifying the lien. Within 10 days of the date on which that notice ~s given, Borrower sball satisfy the lien or take one or more of Ihe actions'set forth above in this Section 4 Lender may requn'e Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in commcti0n with this Loan. 5. Property Insurance. Borrower shall keep the in~provements now existing or hereafter erected on the Property insured against loss bi',' fire, hazards included within the term "extended coverage," and any other hazards including, but not linfited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Leuder requires. What Lender requires pursuaut to the preceding sentences can change dnring the tena~ of the Loan. The insurance carrier providing the insurance shall be chose'n by Borrower subject to Lender's right to disapprove Borrower's ctioice, which right shall not be exercised um'easonably. Lender may require Borrower to pay, in cotmection with this Loan, either: (a) a one-time charge fat' flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determi:~ation and certification services aud subsequent charges each time remappings or similar changes occur which reasonably ~night affect such determination or certification. Borrower shall also be responsible for the payment o:~ an), fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from au objection by Borrower. , If Borrower fails to maint~:in any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might uot protect Bon'ower, Borrower's equity in the Property, or the c(;ntents of the Property, against any risk, hazard or liability and nfight provide greater or lesser coverage lhan was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly C~xceed the cost of insurance that Bon'ower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shaJ1 bear interest at the Note rate fi'om the date of disbursement and shall be payable, with such interest, upon notice 'rom Lender to Borrower requesting payment. All insurance policies reqnh'ed by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shell include a standard ~nortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Leuder shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid prenfit, ms and renewal notices. If Borrower obtains any form of insurance coverage, net otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the iusurance carrier aud Lender. Leuder may make proof of loss if not made prmnptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the rest. oration or repair is econonhcally feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to bold such insurance proceeds until Lender has 'had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided 'that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any ioter','st 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 obligatiou of Bon'ower. If the restoration or repair is not (conomically feasible or Lender's security would be lessened, the insurance proceeds Shall be applied to the stuns secured by this Security Instrument, whether or not then due, with the excess, if' any, paid to Borrower. Such insuran ze proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days .to a notice fi'om Lender that the insurance carrier has WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INsTRUMENT Ii'arm 3051 l/Ol nocutcwvs . (Page 5 of] 3 pages) DOC~JK~5 .VI'l[ 10/1'//2002 0900G3,: 49401]014 offered to settle a claim, then I,ender may negouate and settle tile claim The 30-day period will begin when tile notice :s given. In either event,- or Y Lender acqmres the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's r ghts to any insurance proceeds in an amount not to exceed the amonnts unpaid under the Note or this Security Ihstmment, and (b) any other of Borroxver's rights (other than the right to any retired of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Propelxy or to pay amounts unptid under the Note or this Security lnstruu~ent, whether or not then due. 6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrumeut and shall continue ro occupy the Property as Borrower's principal residence writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservatiou, Maintenauce and Protection of the Property; Inspections. Borrower shall nol destroy, damage or impair the Property, allow the Property to deteriorate or conmfit waste on the Property. Whether or not Borrower is residing in the Property, Borrower shall maintain the Property in order to prevent the Propmxy from deteriorating or decreasing in w:lue due to its condition. Unless it is dctemfined pursuant to Section 5 that repmr 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 connection with damage to, or the taking of, the Property, Bm~ower shall be responsible tbr repairing or restoring the Properly only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payxnent or in a series of progress payments as the work is completed. If the insm'ance or condenulation proceeds are not sufficient to repair or~.rest'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 enta'ies upon and inspections of the Property. 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 ~merior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or enfities acting at the direction of Borrower or with Borrower's 'knowledge or consent gave materially false, nfisleadiLg, or inaccm-ate inlbrmation or statements to Lender (or failed to provide Lender with material information) in conn'ection with the Loan. Material representations include, but are not linfited to, representations concerning Bon-owcr's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Uuder this Security Instrument. If (a) Bon'0wer fails to perform the covenants and agreements contained m this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights nnder this Security Instrument (such as a proceeding in bankruptcy, probate, for condcnmation or forfeiture, for enforcement of a lien which may attain priority over thi~ Security Instrument or to entbrce laws or regulations), or (c) Borrower has abandoned the Property, then Lt:ndcr nray do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Insn'ument, inch,drag protecting and/or assessing tile value of the Property, and securing and~)r ~:epairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a l.en which has priority over this Security Instrument; (b) appearing iu court; and (c) paying reasonable attorneys' re{is to protect its interest in the Property and/or rights nnder this Secm-ity Instrument, including its secured position iu a.bankmptcy proceeding. Securing the Property includes, but is not linfited to, entering the Property to make :'epairs, change locks, replace or board t,p doors and windows, drain water fi-om pipes, elinfinate building or other code violations or dangerous conditious, and have utilities turned on or off: Although Lender may take actk n under this Section 9, Lender does not have to do sq and is not under any duty or obligation to do so.' It is agreed ~ha! Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursec b5 Lender under this Section 9 shall become additional debt of Borrower secured by this Security insta-ument. These 'amounts shall bear interest at the Note rate from'the date of disbursement and shall be payable, with such interest, upon notice l¥om Lender to Bon-ower requesting payment. Il' this Security Insn~ument is on a leasehold, Borrower shall comply with all the provisions of the lease. Borrower shall not sm'render the leasehold estate and interests herein conveyed or terminate or cancel the ground lease. Bm-rower shall not, wit'nout the express written consent of Lender, alter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. WYOMING - Single Family - Fannie iMae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 DoctJ~WY6 ~ (Page 6 o fl3 pages) DOCUIO~IY6. V?X 10/17/2002 494013014 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower sbatl pay the premi'~ms required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage 'req(ired by Leuder ceases to be available fi'om the mortgage insurer that previously provided such insurance and Borrower was required to make separately desiguated payments toward the premnm~s for Mortgage Insurance, Borrowe~' shall pay the prenfiums required to obtain coverage substantially equivalent ~o the Mortgage Insurance previous!y in effect, at a cost substantially equivalen! to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage iusm'er selected by Lender. If substantially equivalent Mortgage hmuranc¢ coverage is not available, Bon'ower shall continue to pa); to Lender the amonnt of the separately designated payments that were due when the insurance coverage ceased to be in effec~ Lender will accept, use and retain these p ~.yments as a non-refimdable loss reserve m lieu of Mortgage Insurance. Such loss reserve shall be non-relilndabl:, n'otwithstanding the fact that the Loan is ultimately paid iii fidl, and Lender shall not be required to pay Borrower,, any interest or earnings ou such loss reserve. Lender can no longer require loss resmwe pa>qnents if Mortgage tnshrance coverage (in the mnount aud for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requh'es separa/ely designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurauce as a condition of making the Loan and Bon'ower was required to make separately designated payments toward the prenfiums for Mortgage Insurance, Borrower shall pay the prenfinms required to maintain Mortgage Insurance in effect, or to provide a non-refimdable loss reset'Ye, until Lender's requirement lbr Mortgage Insurance ends in, accordance with any written agreement between Boixower and Lender providing for such temfination or nntil termination is required by Applicable Law. Nothing in this Section 10 affects Bon'ower's obligation to pay interest at the rate provided in the Note. Mortgage InsuranCe leinrburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repz.y tl'e Loan as agreed. Borrower is uot a party to the Mortgage Insurance. Mortgage insurers evtiluate their total risk on all such insurance in force fi'om time to t!me, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on trams and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the'mortgage insurer to make payments using any source of filnds that the mortgage insurer may have available (wh'ich may include fi~nds obtained fi'om Mortgage Insm'ance premimns). As a result of these agre,aments, Lender, any pm-chaser of the Note, another insurer, any reiusurer, any other entity, or any affiliate o~; any of the foregoing, may receive (directly or indirectly) amounts that derive from (or nfight be characterized as) ~} portion of Borrower's pa3anents for Mortgage Insurance, in exchange for sharing or modifying the mortgage insur[~r's ~risk, or reducing' losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's ~isk in exchange for a share of the premiums paid to the insurer, the arrangement is often tem~ed "captive reinsuring, ce.''' Further: (a) Any such agreement.s will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agree~nents will not increase the amonnt Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to all)' refund. (b) Any such agreements will not afIect the rights Borrower has - if any - with respect to the Mortgage Insurance under ihe Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive c~;rtain disclosures, to request and obtain cancellation of the Mortg.'lge Insurance, to have the Mortgage Insmance terminated automatically, and/or to receive a refnnd of any Morlgage Insurance premimns that wet'-e uaearned at the titne of such cancellation or tertnination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is daraaged, such Ivliscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, I.ender shall have flxe right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that sncb inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series ofpro~ress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires inrerest to be paid on such Miscellaueous Proceeds, Lender shall not be required to pay Bo~xower any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not econonfically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the stuns secured by WYOMING - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3051 1/01 DOCLIKWY7 (Page 7 of 13 pages) ~ocuxw~?. v, rx ~0/x~/200z o oo ;a5 '.-., 4 3 8 494013014 this Security Iusmlment, whetlier 'or not then due, with tile excess, if auy, paid to Borrower. Such Ivliscellaneous Proceeds shall be applied in tile: order provided roi' in Section 2. In the event of a total taking, desn'uction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to tile sums secured by this Security Instrument, whether or not then clue, with tile excess, ir'any, paid to Borrower. In the event of a pani[l t~king, destruction, or loss ill value of the Property m which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of tile sums secured by "his' Security Instrument irrmlediatcly befbre tile partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the stlms secured by this Security Instrument shall be reduced by the amount of the Misdellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured irranediately before the partial taking, destruction, or loss m value divided by (b) tile fair market value of the Propelty imanediatcly 'b'efore the partial taking, destruct/on, or loss in value. Any balance shall be paid to Borrower. . In the event of a partial .taking, destruction, or loss in value of the Property in which the lhir market value of the Property inm~ediately be, fore the partial taking, destruction, or loss in value is less than the amount of tile stuns secured inm~ediately before the partial taking, destrnction, or loss in value, unless Bon'ower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the srms are then due. If the Property is abandoned by Borrower, or if, after uotice by Lender to Borrower that the Opposing Party (as defined in the next sent~':nce) offers to make an award to settle a claim for damages, Borrower Pails to respond to Lender within 30 days.after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either, to'restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not, then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in dethult if any action or proceeding, whether civil or ~'rinfinal, is begun that, in Lender's judgment, could resulhin forfeiture of the Property or other ma lerial impaimlent of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a defimlt and, if acceleration bas occurred, reinstate as provided _n Section 19, by causing the action or proceeding to be disnfissed with a ruling that, in Leuder's judgment, preclude"s forfeiture of the Property or other material impairment of Lender's interest m the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of L~nder's interest in the Property are hereby assigned and shall be paid to Leuder. All Miscellaneous Proceeds that are not applied to restoration Or repair of the Property shall be applied in the order provided for ill Section 2. 12. Borrower Not ReIeased; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security I,~stmment granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors iu Interest of Borrower. Lender shall not be required to commence proceedings against any Successor m Interest of Borrower or to refi~se to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason,of any demand nmde by the original Bon-ower or any Successors in Interest of Borrower. Any forbearance by, Lender itl exercising any righ! or remedy including, without linfitation, Lender's acceptance of payments from thirr' persons, entities or Successors in Interest Of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Bmxower's obligatiqns "md liability shall be joint and sevelal. However, any Borrower who co-signs this Security iustrmnent but does nQ execute the Note (a "co ' '" -signer ): (a) is co-signing this Security Instrument only to mortgage, grant and convey the co.-signer's interest in the Property unde,' tile terms of this Security Instrument; (b) is not personally obligated to p.'iy the sums secured by this Security histrmnent; and (c) agrees that Lender aud any other Borrower can agree to extend, modify, forbear or make any acco,mnodations with regard to tile terms of this Security Instrument or the Note without the co-signer's consent. SUbject to the provisiqns of Section 18, ally Soccessor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this S ~cuity Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and WYOMING - Single Family - Fannie,MaWFreddie Mac UNIFORM INSTRUM£NT Form 3051 1/01 nOCUKWW8 (Page 8 oil3 pages) DOC~KI,~Y 8 .VTX 10/17/1000 ~ 494013014 agreements of this Secm'ity Instrum mi shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may cbarge Borrower fees for services perfunned in connection with Borrower's default, fox' the propose of protecting Lender's interest m the Property and rights under this Security Insmmient, inchiding, but not l~mit:d to, attorneys' fees, property inspectiou and valuation fees. In regard to any other fees, the absence of express arthority in this Security Instrnnient to charge a specific fee to Bmxower shall oot be constrtied as a prohibition on the'..charging of snch fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject t'o a law which sets maximum loan charges, and that law is finally intmpreted so lhat the interest or other loan charges collected or to be collected in connection with the Loan exceed the pmmitted linfits, then: (a) any such loan charge shall be reduced by tbe amonnt necessary to reduce the charge to the permitted linfit; and (b) any sums ah'eady collected from Bon'ower which exceeded pernfitted limits will be refimded to Bon'ower. Lender may choose to m&e this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be rrealed as a partial prcpaDncnt without any prepayment charge (whether or not a prepayment clmrge is provided for under the Note). Bon-ower's acceptance of any st,ch refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower nfight have arising out of such overcharge. 15. Notices. All notice:i given by Borrower or Lender m connection with this Security Instrmnent must be in writing. Any notice to Bon'ower in com~ection with this Security lnstrmneut shall be deemed to bare been given to Borrower when mailed by first ck ss mail or xvhen actually delivered to 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 other~vise. The notice ad&ess shall be the Property Address unless Bon'ower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's cbange of address. If Lender specifies a procedure for' reporting Borrower's change of address, then Borrower shall only report a change of address through that specifie.] procedure. There may be only one desiguated notice address tinder 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 hereit~ unless Lender has designated another address by notice to Borrower. Any notice in com~ection with this Security !nstmment shall not be deemed to have been given to Lender uutil actually received by Lender. If any notice requireil by this Security Insta'ument is also required under Applicable Law, the Applicable Law requirement will satisfy the,con'esponding requirement under this Secm'ity Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be goverued by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and linfitations of Applicable Law. Applicable Law might explicitly or implicitly allow tb.e pa. tries to agree by contract or it migbt be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of tlfis Secm'ity Instrument or the Note which can be given effect withont the conflicting provision. As used in this Security Instnmaent: (a) words of the masculine gender shall mean and include corresponding neuter words or woms of the feminine gender; (b) words in the singular shall mean attd inchide the plural and vice versa; and (c) the wo"d "nmy" gives sole discretion without any obligation to take any action. 17. Borrower's Copy.'Bor-ower shall be giv'eu one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest iu the Property" means any legal or beneficial interest in the Property, including, bnt not linfited to, those beneficial interests transferred in a bond fdr deed, coutract for deed, instalhnent sales corm'act or'escrow agreemeut, tbe intent of which is the transfer of title by Bmxower at a future date to a pt,rchaser. If all or any part of the '>ro~erty or any Interest m the Property is sold o,'l .... I;:rred (or if Borrower is not a natural person and a beneficial intmest m Borrower is sold or trausferred) withott, ._cnder's prior written consent, Lender may require immediate pas.ment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if snch exercise is prohibited by Applicable Law. If Lender exercises this optlon, Lender shall give Bon'ower notice of acceleration. The notice shall provide a period of not less than 30 days .from the date the notice is given m accordance with Section 15 within which Borrower nmst pay all sums secure,] by this Security Instrument. If Borrower fails to gay these sums prior to the WYOMING - Single Family - Fann!e iVlae/Fredtlie MacUNIFORI~I INSTiIUMENT Form 3051 1/01 pOCUKWY9 (Page 9 o fl3 pages) ~ocme,~r~ .wrx O 900G U ~94013014 expiration of this period, Lender may invoke any remedies pernutted by this Security Instrument withont lin'ther notice or demand on Borrower. , 19. Borrower's Right ro leinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of(a) five days before sale of tht Propelxy pursuant to any power of sale contained in this Security lnsnnmeut; (b) such other period as Applicable Law might specit~, lbr the tenninatlo,l of Bon'ower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Bon-ower: (a) pays Lender all sunls which then would be due tinder ':his Security Instrument and the Note as if no acceleratiou had occurred; (b) cures any default of any other cover.an;s or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not linfi~ed to, reasonable auomeys' fees, property inspection and valuation fees, and other fees incurred for the ptnpose: of protecting Lender's interesi in the Property and rights under this Security InstruInent; and (d) takes such act/on as Lender may reasonably reqt, ire to assure that Lender's interest iii the Property and rights under this ,';ec.urity Instrmnent, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue mchanged Lender may reqtm'e that Borrower pay such reinstatement stuns and expenses in one or more of the following forms, as selected by Leuder: (a) cash; (b) money order; (c) certilied check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, insn'umentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrnment and obligations secured hereby shall remain fidly effective as if' no acceleration had occurred. However, this right to reinstate shall not apply iii the case of acceleration nnder 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 h~strument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (kno;vn as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also lmght be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is ~ change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and ad dre~;s of the new Loan Servicer, the address to which payments should be ntade and any other information RESPA requ:]res in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced b~)- a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will rmfiair w~th the Loan Servicer or be transferred to a successor Loan Servicer and are not assnmed by the Note purchaser nnless otherwise provided by the Note purchaser. Neither Borrower nor Lender may cormnence, join, or be joined to any judicial action (as either an individual litigant or the memb~.r of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that tl',e other party has breached any provision of, or any duty owed by reason of, this Secm'ity Instrument, until such Borrower or Lender has notilied the other party (with such notice given in compliance with the requiremer~ts of Section 15) of such alleged breach and aflbrded the other party hereto a reasonable period after the giving of such notice to take corrective actmn. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of ;'.cceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given' to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective act ton provisions of this Section 20. 21. Hazardous Substance;. As used in this Section 21' (a) "llazardous St,bstances" are those substances defined as toxic or hazardous suhstances, pollutants, or wastes by Enviromnental Law and the following substances: gasoline, kerosene, other flanmiable, or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or £or!naldehyde, and radioactive materials; (b) "Enviromnental Law" means federal laws and laws of the jurisdictimi ~vhei:e the Property is located that relate to health, safety or environmental protection; (c) "Environmental ,Cleanup" includes any response action, remedial action, or rmnoval action, as defined in Enviroim~ental Law; and ~,d) an "Envirmm~ental Condition" m~ans a condition that can cause, contribute to, or otherwise trigger an Enviro~un~ntal Cleanup. Borrower shall not cat/se or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release~ any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Enviromnental Law, (b) which creates an Enviro~m~ental Condition., or (c) which, due to the presence, use, or release of a Hazardous Snbstance, WYOMING - Single Family - Fannie hladFreddie Mac UNIFORM INSTRUMENT Form 3051 1/01 DOCUKW¥~0 (Pttge 10 of I3 pages) DOC~K~YA. VT¥ 10/17/2002 , -~ . , ..:::,:-:'::i:.- 49'~ 03.3014 creates a condition that adve~se:y affects the value of the ~ropm-~. The ?[ccedin~ [wo sentences shall not apply the presence, use, or storage on the ~ro~er~ of small quan[ities of ~azardons Snbs~ances thru are recognized to be appropriate to normal residential uses and to maimenance of the Proper~ (including, bnt not li~ted to, hazardous substances in consumer products). Bo~ower shall promplly give Lender wrinen notice of (a) any investigation, claim, demand, lawsuit m' other action by any governmental or regulatory agency or privme prow revolving the Property and any Hazardous Substance or Euviromental Law of which Bon'ower has actual knowledge, (b) any Environmental Condition, including bnt not limited to, any' spilling, leaking, discharge, release ol' threat of release of any Hazardous Substance, and (c) any conditio~ c~,used by the presence, use or release of a Hazardous Sobstance which adversely affects the value of the Property. If Bon'ower learns, or is notified by any governmeutal or regnlatory authori~, or any private par~, that any removal or other remediation of any llazardons Substance affecting the Property ~s necessary, Bon'ower shall promptly take all necessm~ remedial actions in accordance with Environmental Law Not~g herein shall create any obligation on Lender for an Environmeutal Cleanup. NON-~IFO~ CO~ ENANTS. Bon'ower and Lender fin'ther covenant and agree as follows: 22. Acceleration; Remedies. Lender sball give notice Io Borrower prior to acceleration following Borrower's breach of any covenant or agreenrent in this Security Instrument (but not prior to acceleration under Section 18 nnless Applicable Law provides otherwise). The notice shall specil~: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is giveu to Borrower, by which tbe default mnst be cnred; and (d) that failure to cure the default on or before the date specified in the notice may resnlt-in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice sbal; further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a del'unit or any other defense of Borrower acceleration and sale. If the default is not cured on or before the date specilied in the notice, Lender at its option may require immediate payment in full of ali sums scented by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limiled to, reasonable attorneys' l~es and costs of title evidence. If Lender invokes the power of sale, Lender sball give notice of intent lo foreclose to Borrower and to the person in possession of tl~e Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in .iI~e manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, inclnding, but not limited to, reasonable attorueys' fees; (b) to all snms secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sun~ secured by dfis Securi~ Ins~-ument, Lender shall release SecnriW ins~tment. Bo~ower shall pay any recordation costs. Lender may charge Bon'ower a fee for releasing this SecnriW Instrument, but o~y if the fee is paid to a third parW fo~' services rendered and the charging of the fee is pemh~ed under Applicable Law. 24. Waivers. Bo~ower releases and waives all rights under and by virtue of the homestead exemption laws of Wymning. ? WYOMING- Single Family ~ Fannie Mae'Freddie Mac UNIFORM INSTRUMENT DOCUKWYii , (Page 11 of I3 pages) DOCUKI~YB .VT¥ 10/17/2002 Form 3051 1/01 49401~014 BY SIGNING BELOW', 13orrower accepts and agrees to the te~ms and covenants contained in this Secmity ~VYOMING - Single Family - Fa,role .¥1aWFreddie Mac UNIFORM INSTRUMENT DOCUKWYI2 DOCI~KWYC. VTX 10/17/;1002 Ftarm 3051 1/0! (Page 12 of 13 pages) 443 [Si)ace Below TI)is Line For Acknowledgment] STATE OF [/!)¥(A/~( COUNTY OF ffi-~ The foregoing insmm~ent was acknowledged before me by this 2firh dayof June, 2004 , Witness m)~ hand and official seal. My Cormnission Expires: 5~_~] WYOMING - Single Family - Fannie: Mae/Freddie Mac UNIFORM INSTRUMENT DOCU~.WY~3 (Page 13 of l 3 pages) DO~21JXh'YD. VTX fi/fi/il002 For~n 3051 1/01