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HomeMy WebLinkAbout904119Return To: WELLS FARGO HOME MORTGAGE 3601 MINNESOTA DR. SUITE 200 BLOOMINGTON, MAI 55435 Prepared By: COMMUNITY FIRST MORTGAGE, LLC RECEIVED LINCOLn',,! COU~",_.'-Fy CLERK 808 3RD AVE SOUTH,, FARGO, ND 581030000 [Space Above Tiffs Lh~e For Rec.rdi.g Data] MORTGAGE DEFINITIONS Words used in multiple sections of this document are defi,~xl hch)w and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding thc usm._.,c of words used in this document are also provided in Section 16.. (A) "Security Instrument" means this document, which is dated OCTOBER 2 6. together with all Riders to this document. (B) "Borrower" is TAMMY L. SMITH, A SINGLE PERSON 2004 Borrower is the mortgagor under this Security Instrument. (C) "Lender" is COMMUNITY FIRST MORTGAGE, LLC Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of THE STATE OF DELAWARE 0046097507 WYOMING-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT ~®-6(WY) VMP MORTGAGE FORMS - (800}521-7291 Form 3051 1/01 Lender's address is P.O. BOX 10304, DES MOINI~S, IA 503060304 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Bor~0wer ami datcctOCWOBER 26, 2004 The Note states that Borrower owes Lender $~..VIilNTY ONE THOUSAND TWO HIJNDR~.D I*IFTY ~ 00 / 100 Dollars (U.S. $ ****'71,250.00 ) plus interest. Borrower ha~ Ntmtised to pay this debt in regular Periodic Payments and to pay the debt in full not later than }~OVgMBE~ 0t, 2034 (E) "Property" means the property that is described below u~t,cr the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus intctcs, any prepayment charges and late charges due under the Note, and all sums due under this Security lnsm,~c,t, plus iuterest. (G) "Riders" means all Riders to this Security Instrument that arc executed by Borrower. The following Riders are to be executed by Borrower [check box as applicablc l [--] Adjustable Rate Rider ~ Condominium Rider [~ Second Home Rider ~ Balloon Rider ~ Planned Unit Development Ride, [~ 1-4 Family Rider ~] VA Rider ~] Biweekly Payment Rider ~-~ Other(s) [specifyl 0t) "Applicable Law" means all controlling applicable lcdclal, state and local statutes, regulations, ordinances and administrative rules and orders (that have rte ct ~cct of law) as well as all applicable final, non-appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" mc:nts all dues, fees, assessments and other charges that are imposed on Borrower or the Property t)y a ctmdotninium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of Itmds. other titan a transaction originated by check, draft, or similar paper instrument, wtfich is initiated throut/h all electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct. ,~1- authorize a financial institution to debit or credit an account. Such term includes, but is not limited t,,, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, x~i~c tlansfers, and automated clearinghouse transfers. (K) "Escrow Items" means those items that are described in Scctitm 3. (L) "Miscellaneous Proceeds" means any compensation, seul~'~c~t, award of datnages, or proceeds paid by any third party (other than insurance proceeds paid under tl~c coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condenumti~m m' miter taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) ,fisrcprcsel~tations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amotmt duc for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security l t~\llmnent. (O) "RESPA" means the Real Estate Settlement Procedures :\c~ ~ 12 U .S.C. Section 2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 35t)t1~. :ns they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requiremcnt~ and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan doc>, ~,~t qualify as a "federally related mortgage loan" under RESPA. (~-6(WY) tooo?,} ~'a~. 2 of ~s Form 3051 1/01 (P) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the N~,~c ami/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repaymem ~,l thc Loan, and all renewals, extensions and modifications of the Note; and (ii) the performance of Borr~x~cr's covenants and agreements under this Security Instrument and the Note. For this purpose, Borroxsct d~}cs hereby mortgage, grant and convey to Lender and Lender's successors and assigns, with power of s:,lc, the /bllowing described property located in the COUNTY of LINCOLN : ]Type of Recording Jurisdiction] J"(a,nc of Recording Jurisdiction] LOT 7 OF BLOCK 45 OF SECOND ADDITION TO THE TOWN OF KEMMERER, LINCOLN COUNTY, WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF THIS IS A PURCHASE MONEY SECURITY INSTRUMENT. TAX STATEMENTS SHOULD BE SENT TO: WELLS FARGO HOME MORTGAGE, P.O. 10304, DES MOINES, IA 503060304 BOX ParcellD Number: 12 2116 23 1025 BEECH AVENUE KEMMERER ("Property Address"): 1 02 025 which currently Ires the address of [Street] I~ iLsl , Wyonfing 83101 [Zip Code] TOGETHER WITH all the improvements now or hclcal'tcr erected on the property, and all easements, appurtenances, and fixtures now or hereafter a l,:,t of the property. All replacements and additions shall also be covered by this Security h~strument. ,\Il oI' the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully sol,cci {)f the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that thc Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend ~c~cl:tlly the title to the Property against all claims and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform ~,~xc~:mts lbr national use and non-uniform covenants with limited variations by jurisdiction to constitute .,~ tmifi)rm security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenam and agree as follows: 1. Payment of Principal, Interest, Escrow Items, PrCl}ayment Charges, and Late Charges. Borrower shall pay when due the principal of, and interest ~,~. tl~c debt evidenced by the Note and any prepayment charges and late charges due under the Note. B,, r,,wcr shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and fl~is ~ccurity Instrument shall be nmde in U.S. currency. However, if any check or other instrument received l)v Lender as payment under the Note or this Initial~:~ I~-6(WY) (ooosl P.o~ ~ o~ ~s Form 3051 1/01 Security Instrument is returned to Lender unpaid. Lender m:,) JCquirc that any or all subsequent payments due under the Note and this Security Instrument be made i~t .l~c ()r 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 drawn Upon a. i~stittltiox~ whose deposits are insured by a federal agency, instrumentality, or entity; or (d) Electro]tic Ft:.ds Tr:u~sfer. Payments are deemed received by Lender when received :u thc location designated in the Note or at such other location as may be designated by Lender in accord:, t,;c with the notice provisions in Section 15. Lender may return any payment or partial payment if the p:t3 ~}c.t {.' partial payments are insufficient to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice .} its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply s.~h payments at the time such payments are accepted. If each Periodic Payment is applied as of its schcd.lcd clue date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied ~.~.ls tJ mil Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonabl~, periled of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier. ~.ch funds will be applied to the outstanding principal balance under the Note immediately prior to forc~l, }scut. No offset or claim which Borrower might have now or in the future against Lender shall relieve il,.Tower from making payments due under the Note and this Security Instrument or performing the covct,...s ;.cd agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except a~ ~,~hcrwise described in tiffs Section 2, all payments accepted and applied by Lender shall be applied i~ tl~- fi~lh~wing order of priority: (a) interest due under the Note; (b) principal due under the Note; (c) a~,~,..ts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in xvhicll it became due. Any remaining amounts shall be applied first to late charges, second to any other am,,t~llts duc under tiffs Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a dcli~.l.c.t Periodic Payment which includes a sufficient amount to pay any late charge due, the payment m:~ bc applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstandi~, l.c~der may apply any payment received from Borrower to the repayment of the Periodic Payments i~~, :.~d t~ the extent that. each payment can be paid in full. To the extent that any excess exists after the pay~.c~, is applied to the full payment of one or more Periodic Payments. such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as describ~d i. the Note. Any application of payments, insurance proceeds, or lX lisccllalleous Proceeds to principal due under the Note shall not extend or postpone the due date, or change thc a..~unt, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lc~dcr ~.~ file day Periodic Payments are due under the Note. until the Note is paid in full, a sum (the "Ft..Is") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attai, prit.'ity over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payment~ t. g]'t~und rents on the Property, if any; (c) premiums for any and all insurance required by Lender u.&~r ~cction 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to [.cllt. lcr ill lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of .%ctit.~ 10, These items are called "Escrow Items." At origination or at any time during the term of thc l~,a., Lender may require that Community Association Dues, Fees, and Assessments, if any, be escr. x~cd t)y Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly ft.'~fish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the F..ds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Es~'r.w hems. Lender ~nay waive Borrower's obligation to pay to Lender Funds for any or all Escrow Ite.~s at ;.~y time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay di~c~:ll3, when and where payable, the amounts (~-6(WY) (ooo5) Page 4 of ~s Form 3051 1/01 due for any Escrow Items for which payment of Funds has beck. waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such tinle period as Lender may require. Borrower's obligation to make such payments and to provide ~cccipts shall for all purposes be deemed to be a covenam and agreement contained in this Security Instru.~c~. as the phrase "covenant and agreement" is used in Section 9. If Borrower is obligated to pay Escr./~ terns directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, kt:.clcr may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated mMcr Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Esc~,~xx hems at any time by a notice given in accordance with Section 15 and, upon such revocation. B(.~,~x~c~ shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may, at any time, collect and hold Funds in an am, mm (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not t,~ exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of I'umts due on the basis of current data and reasonable estimates of expenditures of future Escrow Items ,.' .therwise in accordance with Applicable Law. The Funds shall be held in an institution whose dcp,:.its are insured by a federal agency, instrumentality, or entity (including Lender, if Lender is an i~lit m it}u whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds t,~ P:b' the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower f.t h~dcling and applying the Funds, a~mually analyzing the escrow account, or verifying the Escrow Items. uMc'ss Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a ch:ui!c. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, I.cmtcr shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender c:m agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, /t itMmt charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. 11' ~hc~c- is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as rcq.ircd by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in acc~.d:mcc with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in c~c~, ~w, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall P:~3 t{E Lender the a~nount necessary to make up the deficiency in accordance with RESPA. but in no more th:tu 12 monthly payments. Upon payment in full of all sums secured by this Sect. il\ l~tstrument, Lender shall promptly refund 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 fill> .'%c.rity h~stru,nent, leasehold payments or ground rents on the Property. if any, and Community Associ.'.i,,a Du~s, Fees, and Assessments, if any. To the extent that these items are Escrow Items. Borrower shall p:~y thcul in die manner provided in Section 3. Borrower shall promptly discharge any lien which has i.i~.'ity over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligati., secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such :t$!~ccnlent; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal procc,:di~Egs which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings ~. ~. pcndiug, but only until such proceedings are concluded; or (c) secures from the holder of the lien an a~cc~.cnt satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines thai ,.mv part of the Property is subject to a lien which can attain priority over this Security Instrument, Lendc~ m:ty give Borrower a notice identifying the (~}~-6(WY) (ooos) Page S of ~ ~ Form 3051 1/01 lien. Within 10 days of the date on which that notice is giving. I~,~ r~wcr shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge Im· a real estate mx v~ri~cafion and/or reporting service used by Lender in co~ection wi~ ~is Loan. 5. ~operty Insurance. Borrower shall keep ~e imprm cmcnts now existing or hereafter erected on · e Property imured agaimt loss by fire, hazards included u ithi~t thc term "extended coverage," and any o~er ha~rds including, but not li~ted to, ear.quakes and I1~. ~cls, ft>r which Lender requires imurance. This insurance ~all be mimained in ~e amounts (includin~ deductible levels) and for ~e periods ~at LeMer requires. What Lender requires pursuant to ~e preccdi.~ sentences can change during ~e term of · e Loan. The imurame cagier providing ~e imurance shall bc chosen by Bo~ower subject to Lender's right to disapprove Bo~ower's choice, which right shall t~,~ bc exercised u~easombly~ Lender my require Bo~ower to pay, in co~ection wi~ ~is ~an, ~itl~c'r: (a) a one-time charge for flood zone deter~mtion, certification and tracking se~ices; or (b) a m~'-timc charge for flood zone detemmtion and certification services and subsequent charges each time rcm:tppings or similar changes occur which reasombly ~ght aflbct such detestation or ce~ification, lh,rt~m,cr shall also be responsible for the payment of any fees imposed by ~e Federal Emergency Nl:.~agcm~nt Agency in com~ction wi~ ~e review of any flood zone ~te~mtion resulting from an objccti~m by ~orrower. If Borrower fails to mintain ~y of ~e coverages dcsc~ ibcd above, Lender nmy obtain insurance coverage, at ~nder's option and Bo~ower's expeme. Lemlc~ is under no obligation to purchase any pa~icular t~e or amount of coverage. Therefore, such covc~aTc ~hall cover Lender, but ~ght or ~ght not protect Bo~ower, Bo~ower's equity in ~e Property, or thc c~mtcnts of ~e Property, agaimt any risk, hazard or liability and ~ght provide greater or lesser cover:tgc than was previously in effect. Bo~ower ac~owledges ~at ~e cost of ~e i~urance coverage so obr, fi~cd might sigNficantly exceed ~e cost of i~urance ~at Bo~ower could have ob~i~d. Any amounts di~bmscd by Lender under ~is Section 5 shall become additioml debt of Bo~ower secured by ~s Security l~t:;trUtlt~llt. These amounts shall bear interest at ~e Note rate from ~e date of disbursement and shall be p:~5",d)lc, wiflx such interest, upon notice from Lender to Bo~ower requesting paymem. All insurance policies required by LeMer and renewals ,~t such policies shall be subject to Lender's right to disapprove such policies, shall include a standard .,~tgagc clause, and shall rome Lender as mo~gagee and/or as an additioml loss payee. ~Mer shall h:~xc thc right to hold ~e policies and renewal certificates. If Lender requires, Bo~ower shall promptly give ~,, l.cndcr all receipts of paid pre~un~ and renewal notices. If Bo~ower obtai~ any fora of i~urance ~',~x ct:tgc, not o~erwise required by Lender, for damge to, or destruction of, ~e Property, such policy ~h:~ll include a standard mortgage clause and shall rome Lender as mortgagee a~or as an additioml loss p:~) In ~e event of loss, Bo~ower shall give prompt notice t,~ thc insurance ca~er aM Lender. Lender my rake proof of loss if ~t rode promptly by Borrower. t~.tcss Lender and Bo~ower otherwise agree in writing, any i~ura~me proceeds, whe~er or not ~e m~derlx i~g insurance was req~red by Lender, shall be applied to restoration or repair of ~e Property, if ~e rest,~r:ttim~ or repair is econo~cally feasible and Le~er's security is not lesse~d. During such repair and rest~, :~ it m period, Lender ~all We ~e right to hold such i~urance proceeds until Lender has had an oppmttmity to iuspect such Property to ensue ~e work has been completed to ~nder's satisfaction, provided th:it such i~pection ~all be undertaken promptly. Lender ~y disburse proceeds for ~e repairs and rcst~mltion iu a single paymem or in a series of progress pay~ms as ~e work is completed. Ufless an agrc*cmcnt is nmde in writing or Applicable Law requires imerest to be paid on such i~urame proceeds, Len(lc~ ,hzdl llOt be required to pay Bo~ower any interest or ea~ngs on such proceeds. Fees for public adjuslcrs, or other ~rd parties, retained by Bo~ower ~all not be paid out of ~e i~urance proceeds anti shzdt be fl~e sole obligation of Bo~ower. If · e restoration or repair is ~t econo~cally feasible or Lender's sccurity would be lessened, ~e i~urance proceeds ~all be applied to ~e su~ secured by ~s gecm'itx Instrument, whe~er or not ~en due, wi~ (~-6(WY) Iooos) Pag~ 6 of is Form 3051 1/01 the excess, if any, paid to Borrower. Such insurance proceeds ~hall bt: applied in the order provided for in Section 2. If Borrower abandons the Property, Lender may file, ~c?tiate aud settle any available insurance claim and related matters. If Borrower does not respond withi~ a{) days to a notice from Lender that the insurance carder has offered to settle a claim, then Lender may ~cgotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, m' il: Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lendc~ t'a~ Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid undc~ thc Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to 'a~y refund of unearned premiums paid by Borrower) under all insurance policies covering the Property. ins~lhr as such rights are applicable to the coverage of the Property. Lender may use the insurance procectls citht:r t() repair or restore the Property or to pay amounts unpaid under the Note or this Security Instrumcm ~ x~ hether or not then due. 6. Occupancy. Borrower shall occupy, establish, and usc the Property as Borrower's principal residence within 60 days after the execution of this Security Ii~slrumcnt and shall continue to occupy the Property as Borrower's principal residence for at least one yea,' alter the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be umcas, mabty withheld, or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation, Maintenance and Protection of the I'roperty; Inspections. Borrower shall not destroy, damage or impair the Property, allow the Propcrt3 t~ deteriorate or commit waste on the Property. Whether or not Borrower is residing in the Property. t/o,'rower shall maintain the Property in order to prevent the Property from deteriorating or decreasing i,~ value due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is ,~ol cctmomically feasible, Borrower shall promptly repair the Property if damaged to avoid further dctcrim'ation or damage. If insurance or condemnation proceeds are paid in connection with damage t,~, ~r the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property mdv it' Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and rcstt,ration iu a single payment or in a series of progress payments as the work is completed. If the insurance ~r cm~demuation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved ol' t~,}rmwer's obligation for the completion of such repair or restoration. Lender or its agent may make reasonable entries upm~ ami inspections of the Property. If it has reasonable cause, Lender may inspect the interior of the impr,~x cmc,~ts ou the Property. Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower's Loan Application. Borrower shall bc i~ dclhult if, during the Loan application process, Borrower or any persons or entities acting at thc di~c-ctim~ of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or in:recur'ate intbrmation or statements to Lender (or failed to provide Lender with material information~ i~} cmmection with the Loan. Material representations include, but are not limited to, representati~m, cm~ccrning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Riglus Under this Security Instrument. If (a) Borrower fails to perform the covenants and agreements co lit:tic,cd in this Security Instrument, (b) there is a legal proceeding that might sig~fificantly affect Lender's i~twrcst in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, p~ t~batc, fi)r condmmmtion or forfeiture, for enforcement of a lien wlfich nmy attain priority over this 5ccm'ity Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, thcll l.cndcr nmy do and pay for whatever is reasonable or appropriate to protect Lender's interest in thc I'mperty and rights under this Security Instrument, including protecting and/or assessing the value o l ~l~c I'roperty, and securing and/or repairing the Property. Lender's actions can include, but are not limitctl tt}: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appcari~g in court; and (c) paying reasonable (~-6(WY) ¢ooos) P~. 7 of ~ Form 3051 1/01 attorneys' fees to protect its interest in the Property and/or rights trade,' d~is Security Instrument, including its secured position in a bankruptcy proceeding. Securing thc Ihopcrty includes, but is not limited to, entering the Property to make repairs, change locks, replace o~ bt~ard up doors and windows, drain water from pipes, eliminate building or other code violations, or da~gclt~tis conditions, and have utilities turned on or off. Although Lender may take action under this Section t2 l.encter does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender i~ctirs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 5hall b~come additional debt of Borrower secured by this Security Instrument. These amounts shall beat imcrcst at the Note rate from the date of disbursement and shall be payable, with such interest, upon ~l,,ticc t'ro,n Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall ~:omply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasch,,ltl ami the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage l~15uiallcc as a condition of making the Loan, Borrower shall pay the premiums required to nmintain the Mo~tgagc l tisurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to b:, axailztble I¥om the mortgage insurer that previously provided such insurance and Borrower was required t,~ make separately designated payments toward the premiums for Mortgage Insurance, Borrower ~,hall pay thc premiums required to obtain coverage substantially equivalent to the Mortgage Insurance p~cxitmsly in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insura,,c p~eviously in effect, from an alternate mortgage insurer selected by Lender. If substantially equix:dc~lt Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amd trot ~, f thc separately designated payments that were due when the insurance coverage ceased to be in effccl, l.cnder will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage l~surance. Such loss reserve shall be non-refundable, notWithstanding the fact that the Loan is ultim:t~dv paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the anit~u~ll ;md lbr the period that Lender requires) provided by an insurer selected by Lender again becomes axailable, is obtained, and Lender requires separately designated payments toward the premiums for Mortgag c lusu rance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower xx:t~ rcqt, ired to ~nake separately designated payments toward the premiums for Mortgage Insurance, B~,'~,~wcr shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a ,,m ~chmdable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with :m~ xx rittcn agreement between Borrower and Lender providing for such termination or until termination is ,'cqui red by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the raw im~victed in the Note. Mortgage Insurance reimburses Lender (or any entity that l~urchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Ii~,~wer is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such inst~ra~cc in force from time to time, and may enter into agreements with other parties that share or modify thcil ~isk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortg:q~c i~surcr and the other party (or parties) to these agree~nents. These agreements ntay require the mortgage i~st~rcr to nmke payments using any source of funds that the mortgage insurer may have available (which ~t:~> ii,elude funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchase~' .I thc Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, uny receive (direcdy or indirectly) amounts that derive from (or might be characterized as) a portion of Bon',x~c~'s payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's rb;k, t~r reducing losses. If such agreement provides that an affiliate of Lender takes a share of the inst~cr's risk iu exchange for a share of the premiums paid to the insurer, the arrangement is often termed ",captive reiusurance." Further: (a) Any such agreements will not affect the amotmts 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 they will nol t,ntitle Borrower to any refund. ~-6(WY) Iooosl P.g. a o~ ~ ~ Form 3051 1/01 0 8 (b) Any such agreements will not affect the rights ll(~,'r(m'cr has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act i~r 1998 or any other law. These rights may include the right to receive certain disclosures, to r('Hues! and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance tern,imm~d automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unt.iwnc.d al 1he time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeitu,-c..-\ II Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is dankaged, such Miscellaneous Proceeds ~h:dl b~ 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, Lender shall have thc ~i~ht ti) hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property t,~ ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be tmclclt:ikcil promptly. Lender may pay for the repairs and restoration in a single disbursement or in a so, ices ~1' progress payments as the work is completed. Unless an agreement is made in writing or Applicable l.aw requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay ll,~rroxvcr any interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not econ~Mc:dly feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to thc stmls secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Bor~{~ c~..quch Miscellaneous Proceeds shall be applied in the order provided for in Section 2. In the event of a total taking, destruction, or loss i~ xzduc oi' the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Securitx l~lstrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value ~,f thc Property in 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 the sums secured by this Security I~s~rtunent i~mnediately before the partial taking, destruction, or loss in value, unless Borrower and Lc~dcr otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by tht: amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount ~1 tl~c sums secured inm~ediately before the partial taking, destruction, or loss in value divided by (b) the l':ti r m:u'k¢t value of the Property innnediately before the partial taking, destruction, or loss in value. Any bal:,~ct- shall be paid to Borrower. In the event of a partial taking, destruction, or loss in valut: {ff the Property in which the fair nmrket value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured innnediately before the partial t:dci~g, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the Miscelkmctms Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums arc then clue. If the Property is abandoned by Borrower, or if, al:tc~ nmice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to lnZd~c tm award to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the tt:~lc the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to rcst{}t:ttitm or repair of the Property or to the sums secured by tiffs Security Instrument, whether or not then duc. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against x~hmn Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, ix hcthcr civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Propert3 ~ mh¢r material impairment of Lender's interest in the Property or rights under this Security Instrument. B,~rrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19. hx c'.msiug the action or proceeding to be disxnissed with a ruling that, in Lender's judgment, precludes t,~Icittu'e of rite Property or other nmterial impairment of Lender's interest in the Property or rights undc~ thin Security Instrument. The proceeds of any award or claim for damages that are attributable to the inq3:tit mcnt of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to r¢st,~:ttitm or repair of the Property shall be applied in the order provided for in Section 2. (~)~-6(WY) (ooo5) pag~ 9 of 15 Form 3051 1/01 .... -08 i5 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured b,, ~l~is Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall n~,~ ~,l~.r:ac to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not {;~: required to conm~ence proceedings against any Successor in Interest of Borrower or to refuse to exte~d time for payment or otherwise modify amortization of the sums secured by this Security Instrument b~ rcas~m of any demand made by the original Borrower or any Successors in Interest of Borrower. Any tbrbca~ al,CC by Lender in exercising any right or remedy including, without limitation, Lender's acceptance ~,1 i~:<Vlnents t¥om third persons, entities or Successors in Interest of Borrower or in amounts less than thc m~,~unt then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successor~ and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be j~i~t :titcl several. However, any Borrower who co-signs this Security Instrument but does not execute thc N,,tc I',L "co-signer"): (a) is co-signing this Security Instrument only to mortgage, grant and convey the c,,-~igncr's iuterest in the Property under the terms of this Security Instrument; (b) is not personally oblig:~cd t~i pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrox~c~ can agree to extend, modify, forbear or make any accommodations with regard to the terms of this ~qccu~ity Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Succes~,,~ 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 Security Inst~ ttmcm. Borrower shall not be released from Borrower's obligations and liability under this Security Instru~'m unless Lender agrees to such release in writing. The covenants and agreements of this Security lllslr,~ment shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees h,r services performed in connection with Borrower's default, for the purpose of protecting Lender's imc~cst in the Property and rights under this Security Instrument, including, but not limited to, attorneys' Iccp, property inspection and valuation fees. In regard to any other fees, the absence of express authority it, ~l~i~ Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on fl~c dt:t~,~ing t~f such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument ~ hx Applicable Law. If the Loan is subject to a law which sets ~naximum loan cl~:. yes, :md fl~at law is finally interpreted so that the interest or other loan charges collected or to be collc~:tcd in com~ection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be red,~'d tly the a~nount necessary to reduce the charge to the permitted limit; and (b) any sums already collected I'mm Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose t~ .~akc this refund by reducing the principal owed under the Note or by making a direct payment to l~,~t,x~cr. Ifa refund reduces principal, the reduction will be treated as a partial prepayment without ;t~3 prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's ',~cceptance of any such refund made by direct payment to Borrower will constitute a waiver of any rigl, ~l action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender i~ cmmcction with this Security Instrument must be in writing. Any notice to Borrower in connection with ihi,~ .%curity Instrument shall be deemed to have been given to Borrower when mailed by first class mail m' when actually delivered to Borrower's notice address ff sent by other means. Notice to any one Bo,'~,x~cr ~hall constitute notice to all Borrowers unless Applicable. Law expressly requires otherwise. The n~,ticc address shall be the Property Address unless Borrower has designated a substitute notice address bx nmice to Lender. Borrower shall pro~nptly notify Lender of Borrower's change of address. If Lender spccitics a procedure for reporting Borrower's change of address, then Borrower shall only report a change t,l adclrcss through that specified procedure. There may be only one designated notice address under fl~is Nccurity Instrument at any one time. Any notice to Lender shall be given by delivering it or by maili~t~ it by first class mail to Lender's address stated herein unless Lender has designated another addre~,5 by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemetl ~, have been given to Lender until actually received by Lender. If any notice required by this Security It~rtimcnt is also required under Applicable Law, the Applicable Law requirement will satisfy the cor~c'q~nding require~nent under this Security Instrument. (~-6(WY) Iooo5) Page lO of 15 Form 3051 1/01 ,. 0836 16. Governing Law; Severability; Rules of Construclitm. This Security Instrument shall be governed by federal law and the law of the jurisdiction in xxhlch the Property is located. All rights and obligations contained in this Security Instrument are subjc,'~ t,~ any requirements and limitations of Applicable Law. Applicable Law nfight explicitly or implicitl.~ :direr tile parties to agree by contract or it nfight be silent, but such silence shall not be construed as a p~,,Idbitimi against agreement by contract. In the evem that any provision or clause of this Security Instnm~cnt or thc Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Seem i~v Instrument or the Note which can be given effect without the conflicting provision, As used in this Security Instrument: (a) words of file ma~culillC gender shall mean and include corresponding neuter words or words of the fe~ninine gender: th) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gix ~-:4 stoic discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy ,}~' tl~¢ Note atd of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Ih)rrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest i, thc Property, including, but not limited to, those beneficial interests transferred in a bond for deed, co~,~act tm' riced, installment sales contract or escrow agreement, the intent of which is the transfer of title b3 ll,,'rower at a future date to a purchaser. If all or any part of the Property or any Interest in the Pr,q~c~ty is st)Id or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is ~,tdd or transferred) without Lender's prior written consent, Lender may require inunediate payment in fldl of all sums secured by this Security Instrument. However, this option shall not be exercised bx Icnder if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borr,~xx~'~ nmice of acceleration. The notice shall provide a period of not less than 30 days from the date the nt~ticc is given in accordance with Section 15 within which Borrower must pay all sums secured by tiffs Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender max inv~,ke any remedies permitted by this Security Instrument without further notice or demand on Borrmx 19. Borrower's Right to Reinstate After Acceleration. II' Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Scctn-ity Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Propert3 ImtSuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable l:aw might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment c,l',,rcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums whid~ then would be due under this Security Instrument and the Note as if no acceleration had occurred; (bt ctllcs any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Scctll it3' Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valt~ati,m t'~s, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligati, m I~ pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require dn, t Bm rower pay such reinstatement sums and expenses in one or more of the following forms, as selected b,. l.cndcr: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's che~ k. provided any such check is drawn upon an institution whose deposits are insured by a federal agency, in~ttumeatality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Securitl I~tst rument and obligations secured hereby shall remain fully effective as if no acceleration had occurreti. Ih~xxever, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice ol' (;ricx ante. The Note or a partial interest in the Note (together with this Security Instrumen0 can be sold tmc m' more times without prior notice to Borrower. A sale might result in a change in the entity (knt,xx i~ as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security lnNttmncnt and pert'om other mortgage loan servicing obligations under the Note, this Security Instrumem. arid Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale ,,t thc Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change xx hich will state the name and address of the new Loan Servicer, the address to which payments should bc made and any other information RESPA (~-6{WY} Iooo*l pa~ ~ o* ~ Form 3051 1/01 requires in connection with a notice of transfer of servicing. I1' tl,c Nt)tc is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the N~tc. thc mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferlcd u~ a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by thc Nt~tc purchaser.' Neither Borrower nor Lender may commence, join. or bc itfined to any judicial action (as either an individual litigant or the member of a class) that arises from thc .ti}er party's actions pursuant to this Security Instrument or that alleges that the other party has brc:tchcd zmy provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or lc,der has notified the other party (with such notice given in compliance with the requirements of Section 151 ~,I' such alleged breach and afforded the other party hereto a reasonable period after the giving o1' s,d~ nt~tice to take corrective action. If Applicable Law provides a time period which must elapse bcl,~c certain action can be taken, that time period will be deemed to be reasonable for purposes of this i~:tr~lgraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 a.~d the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy thc nt~ticc and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants..r wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable m' t,~xic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos ,, l'm'maldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jtH i~diction where the Property is located that relate to health, safety or enviromnental protection; (c) "Enxi~.mtcntal Cleanup" includes any response action, remedial action, or removal action, as defined in Envilt.lmtcnt:d Law; and (d) an "Environmental Condition" means a condition that can cause, contribute tt~. {}1' otherwise trigger an Environmental Cleanup. Borrower shall not cause or permit the presence, use, disl),~s',tl, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, m~ ,.' in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property I:t~ ihat is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, duc to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affect~ thc xmlue of the Property. The preceding two sentences shall not apply to the presence, use, or stor:t~.c ~m thc Property of small quantities of Hazardous Substances that are generally recognized to be appr{q~ri:~te to normal residential uses and to maintenance of the Property (including, but not limited to, haz:, d(ms substances in consumer products). Borrower shall promptly give Lender written notice of (:~ :.~y investigation, clai~n, demand, lawsuit or other action by any governmental or regulatory agency or p~ ix':tt~ party involving the Property and any Hazardous Substance or Environmental Law of which B~,'~tm'cr has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilli.g, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition c:,~scd by the presence, use or release of a Hazardous Substance which adversely affects the value of thc I'~ ~q)crty. If Borrower learns, or is notified by any govennnental or regulatory authority, or any private p:, I), that any removal or other remediation of any Hazardous Substance affecting the Property is necessar.~, l l~FFower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nmhing hcreiu shall create any obligation on Lender for an Enviromnental Cleanup. (~-6(WY) (ooo~1 P~. 12 of 15 Form 3051 1/01 NON-UNIFORM COVENANTS. Borrower and Lender l't~,d,cr covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice t() I~o,'r(m'er prior to acceleration following Borrower's breach of any covenant or agreement in this Nccu,-ity Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides olherxvise). The notice shall specify: (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 given to Borrower, by which the default must h~· cured; aud (d) that failure to cure the default on or before the date specified in the notice may resul! iu acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a cm~rt action to assert the non-existence of a default or any other defense of Borrower to acceleration ami sale. If the default is not cured on or before the date specified in the notice, Lender at its option ma~ require immediate payment in full of all sums secured by this Security Instrument without furtht,,' demand and may invoke the power of sale and any other remedies permitted by Applicable L;m. I.cuder shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Nt.ctiou 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give ,mtice of intent to foreclose to Borrower and to the person in possession of the Property, if differem, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manm:r provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sohl iu the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at anx sale. The proceeds of the sale shall be applied 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 Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Sccm'itv Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs, t_cnctcr nmy charge Borrower a fee for releasing tiffs Security Instrument, but only if the fee is paid t,, a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Waivers. Borrower releases and waives all rights ulldcr and by virtue of the homestead exemption laws of Wyoming. (~-6(WY) (ooos) P~g. ~3 of ~ Form 3051 1/01 BY SIGNING BELOW, Borrower accepts and agrees to thc terms aud covenants contained in this Security Instrument and in any Rider executed by Borrower and ~ccordcd with it. Witnesses: TAI4NY L. S~f~TH Y -Borrower (Seal) -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower (~6(WY) {ooos) P.oo 14 of ~s Form 3051 1/01 090Gl1~ STATE OF WYOMING, The foregoing instrument was acknowledged befoTe me th i,, by TAMMY n. SMITH . ,- 0810 1-IPq ~--~'-'- County ss: My Commission Expires: ] 0 ~ ~-~ 07 Notary hmn, (~-6G(WY) 10oo5} page 1{5 of 15 Form 3051 1/01